Information processing apparatus, information processing method, and program

Abstract

To provide an information processor, an information processing method, and a program capable of sufficiently improving convenience for a user.SOLUTION: An electronic settlement system comprising: a settlement information acquiring unit configured to acquire settlement information in an electronic settlement service related to a purchase action in a physical shop; and a privilege granting unit configured to grant a privilege to terminal users of the electronic settlement service when it is determined that the users have performed electronic settlement in a first number or more of physical shops among a plurality of predetermined physical shops, An information providing unit configured to provide settlement result information indicating a settlement result in the plurality of physical shops to the user terminal device when it is determined that the user has not performed the electronic settlement in the physical shops of which the number is equal to or larger than the first threshold among the plurality of physical shops based on the history of the settlement information.SELECTED DRAWING: Figure 3

Description

[Technical Field]

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

[0002] Conventionally, there is known a technology that enables events such as a stamp rally, in which a user can obtain a special benefit by reading information codes placed at multiple locations using a mobile terminal. For example, Patent Document 1 discloses a technology in which a mobile terminal reads information codes of event advertisements placed at various locations, and when the mobile terminal accesses an advertisement management server, the advertisement management server notifies the mobile terminal of a special benefit for the access. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Japanese Patent Application Publication No. 2019-114289 Summary of the Invention [Problem to be solved by the invention]

[0004] Patent Document 1 also describes that when the benefit is a discount on a product or service sold at a store of an advertiser participating in an event, the benefit information transmitted from the advertising management server is presented at the store of the advertiser participating in the event, allowing the user to purchase the product or service at a discounted price. While the prior art allows users to receive benefits such as discounts by manually presenting benefit information displayed on a mobile device, it does not implement events such as stamp rallies in conjunction with electronic payment services. This sometimes results in insufficient convenience for users.

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

[0006] One aspect of the present invention is an information processing device comprising: a payment information acquisition unit that acquires payment information in an electronic payment service related to purchasing behavior at physical stores; and an information provision unit that, if it is determined based on the history of the payment information that a user of the electronic payment service has made electronic payments at a number of physical stores out of a predetermined number of physical stores that is equal to or greater than a first threshold, grants a benefit to the user's user terminal device; and, if it is determined based on the history of the payment information that the user has not made electronic payments at a number of physical stores out of the plurality of physical stores that is equal to or greater than the first threshold, provides payment history information indicating the payment history at the plurality of physical stores to the user terminal device. [Effects of the Invention]

[0007] According to one aspect of the present invention, it is possible to provide an information processing device, an information processing method, and a program that can sufficiently improve convenience for users. [Brief explanation of the drawings]

[0008] [Figure 1] FIG. 1 is a diagram illustrating an example of a configuration for realizing an electronic payment service. [Figure 2] FIG. 1 is a diagram illustrating an example of the general flow of electronic payment. [Figure 3] FIG. 10 is a diagram illustrating an example of a payment completion screen. [Figure 4] FIG. 2 is a configuration diagram of a payment server 100. [Figure 5] FIG. 10 is a diagram showing an example of the contents of user information 172. [Figure 6] FIG. 10 is a diagram showing an example of the contents of store information 176. [Figure 7] FIG. 10 is a diagram showing an example of the contents of advertisement target criteria information 178. [Figure 8] FIG. 10 is a diagram showing an example of the contents of stamp rally performance information 180. [Figure 9] FIG. 10 is a diagram showing an example of the content of information indicating that a stamp rally is nearly complete. [Figure 10] FIG. 10 is a diagram showing an example of the content of information indicating that a stamp rally has been completed. [Figure 11] FIG. 10 is a diagram showing an example of a screen for a representative of a plurality of physical stores to set a stamply advertisement on an advertiser terminal device 70. [Figure 12] FIG. 10 is a diagram showing an example of the contents of stamp rally setting information 182. [Figure 13] 10 is a flowchart showing an example of the flow of processing executed by the payment server 100. [Figure 14] 10 is a flowchart showing an example of the flow of processing executed by an advertisement distribution unit 150. DETAILED DESCRIPTION OF THE INVENTION

[0009] Hereinafter, with reference to the drawings, embodiments of an information processing device, an information processing method, and a program of the present invention will be described. The information processing device is realized by one or more processors. The information processing device is a device that distributes advertisements in conjunction with an electronic payment service. The electronic payment service is a service that supports payments related to the purchase of goods and services at a store. The store is primarily a physical store (real store) that exists in real space, as opposed to a virtual store related to e-commerce. Note that the mechanism of the present invention does not necessarily exclude the application of a virtual store related to e-commerce, but the stores targeted by the present invention include at least real stores.

[0010] [Electronic payment service] Figure 1 shows an example of a configuration for realizing an electronic payment service. The electronic payment service is realized mainly by a payment server 100. The payment server 100 communicates with, for example, one or more user terminal devices 10, one or more store terminal devices 50, and one or more advertiser terminal devices 70 via a network NW. The network NW includes, for example, the Internet, a LAN (Local Area Network), a wireless base station, a provider device, etc.

[0011] The user terminal device 10 is, for example, a portable terminal device such as a smartphone or tablet terminal. The user terminal device 10 is a computer device having at least an optical reading function, a communication function, a display function, an input acceptance function, and a program execution function. In the following description, the components for realizing these functions are referred to as a camera, a communication device, a touch panel, a CPU (Central Processing Unit), etc. In the user terminal device 10, a processor such as a CPU executes a payment application 20, which operates in cooperation with the payment server 100 to provide electronic payment services to users. The payment application 20 controls the camera, communication device, touch panel, etc.

[0012] The store terminal device 50 is installed, for example, in a store. The store terminal device 50 is a computer device having at least a product price acquisition function, an optical reading function, a program execution function, and a communication function. The store terminal device 50 may include a so-called POS (Point of Sale) device, and the product price acquisition function and the optical reading function may be realized by the POS device. The store code image 60 is placed in the store and is a code image such as a QR code (registered trademark) printed on a paper or plastic medium. The store code image 60 may also be displayed on a display placed in the store.

[0013] The advertiser terminal device 70 is a terminal device used by a person (advertiser) who intends to post an online advertisement (hereinafter simply referred to as an advertisement) that will be included in the payment completion screen described later. The advertiser terminal device 70 may be any computer device that can be connected to the network NW, such as a personal computer, a smartphone, or a tablet terminal.

[0014] The payment server 100 performs electronic payment based on payment information received from the user terminal device 10 or the store terminal device 50. The payment server 100 performs electronic payment, for example, by increasing or decreasing the balance information managed in association with the user ID (in other words, by depositing or withdrawing electronic money). Electronic payment may include methods such as revolving payment or credit payment that allow for purchases of a larger amount than the balance information at the time of purchase.

[0015] FIG. 2 is a diagram illustrating the general flow of electronic payment. There may be two patterns for electronic payment: Pattern 1 and Pattern 2. In Pattern 1, first, the payment app 20 is launched on the user terminal device 10, and a code image such as a QR code or barcode is displayed. The user holds (presents) the display surface of the user terminal device 10 over the store terminal device 50. The store terminal device 50 decodes the code image using its optical reading function and acquires information such as the user ID. The store terminal device 50 then generates payment information including the user ID, payment amount, store ID, etc., and transmits it to the payment server 100. The payment amount information has been acquired in advance by reading a barcode or manually entering it. The payment server 100 performs payment processing based on the received information.

[0016] In pattern 2, the user terminal device 10, with the payment app 20 running, decodes the store code image 60 using its optical reading function. The store code image 60 contains information such as the store name. The user enters the payment amount into the user terminal device 10 on the screen displaying the store name, etc. The user terminal device 10 then generates payment information including the user ID, payment amount, store ID, etc., and sends it to the payment server 100. The payment server 100 performs payment processing based on the received information. Note that electronic payment may be performed using only one of the above patterns.

[0017] When the electronic payment is completed, a completion notice is sent from the payment server 100 to the user terminal device 10. In response to the received completion notice, the user terminal device 10 displays a payment completion screen. The completion notice may be in the form of a web page, for example. FIG. 3 illustrates an example of the payment completion screen. The payment completion screen includes, for example, an area A1 displaying information about the store where the payment was made, an area A2 displaying the payment amount, etc., an area A3 displaying points (an example of a benefit) awarded to the user as a result of the payment, an area A4 displaying advertisements by advertisers, and an area A5 displaying stamp rally advertisements related to multiple physical stores. A stamp rally advertisement is an advertisement that provides a benefit to the user's user terminal device 10 if the user makes an electronic payment at a predetermined number of physical stores (e.g., all stores) or more. In this case, the benefit may include, for example, points or discount information that can be used in the electronic payment service, or functions or designs that can be used in the payment app 20. Hereinafter, a user making an electronic payment at a number of physical stores or more than a threshold may be referred to as "complete." A stamp rally advertisement is an example of "payment history information."

[0018] The multiple physical stores participating in the stamp rally advertisement may be, for example, multiple stores located close to each other in a shopping district, or multiple affiliated stores operated by a company that operates a diversified business. FIG. 3 shows, as an example, a situation in which multiple stores in a shopping district are participating in the stamp rally advertisement. When a user of an electronic payment service makes an electronic payment at one of the multiple stores participating in the stamp rally advertisement, an image (stamp) indicating that the electronic payment at the store has been completed is displayed on the user terminal device 10. Once displayed, the stamp remains displayed continuously throughout the duration of the stamp rally advertisement, and a special benefit is awarded when the user collects a threshold number of stamps (i.e., when the user makes electronic payments at a threshold number of stores). For example, as shown in FIG. 11 (described later), the stamps are registered in advance using the advertiser terminal device 70 by representatives of the multiple stores participating in the stamp rally advertisement.

[0019] [Payment server] FIG. 4 is a configuration diagram of the payment server 100. The payment server 100 includes, for example, a communication unit 110, a payment content providing unit 120, a payment processing unit 130, and an advertisement distribution unit 150. The advertisement distribution unit 150 includes, for example, a payment information acquisition unit 152, an advertisement target determination unit 154, an advertisement content providing unit 156, a reward granting unit 158, and a stamp rally setting acceptance unit 160. Each of the payment content providing unit 120, the payment processing unit 130, and the advertisement distribution unit 150 is implemented by, for example, a hardware processor such as a CPU executing a program (software). Some or all of these components may be implemented by hardware (including circuitry) such as an LSI (Large Scale Integration), an ASIC (Application Specific Integrated Circuit), an FPGA (Field-Programmable Gate Array), or a GPU (Graphics Processing Unit), or may be implemented by a combination of software and hardware. The program may be stored in advance in a storage device (a storage device having a non-transitory storage medium) such as an HDD (Hard Disk Drive) or flash memory, or may be stored in a removable storage medium (a non-transitory storage medium) such as a DVD or CD-ROM, and installed in the storage device by inserting the storage medium into a drive device. Also, the benefit granting unit 158 ​​and the stamp rally setting accepting unit 160 may be implemented in a server separate from the payment server 100. The advertising content providing unit 156 is an example of an "information providing unit."

[0020] The storage unit 170 is a HDD, flash memory, RAM (Random Access Memory), etc. The storage unit 170 may be a NAS (Network Attached Storage) device that the payment server 100 can access via a network. The storage unit 170 stores information such as user information 172, payment content information 174, store information 176, advertisement target criteria information 178, stamp rally performance information 180, and stamp rally setting information 182.

[0021] The communication unit 110 is a communication interface for connecting to the network NW, and is, for example, a network card.

[0022] The payment content providing unit 120 has, for example, a web server function, and provides information (content) for displaying various screens of the electronic payment service, including the above-mentioned payment completion screen, to the user terminal device 10. The payment content providing unit 120 reads out necessary content from the payment content information 174 as appropriate and provides it to the user terminal device 10. The user terminal device 10 accepts various inputs from the user while content is being played by the payment application 20, and transmits the above-mentioned payment information and the like to the payment server 100.

[0023] The payment processing unit 130 performs payment processing based on the payment information transmitted by the user terminal device 10 or the store terminal device 50. The payment processing unit 130 performs payment processing while referring to the user information 172.

[0024] FIG. 5 is a diagram showing an example of the contents of user information 172. User information 172 associates information such as balance information, contact information, credit information, coupon grant information, and payment history information with a user ID, for example. Balance information is information indicating the balance of electronic money set by the user by transferring funds from a bank deposit or the like to the electronic payment service in advance. Note that balance information may also be automatically added by auto-charge associated with payment processing. Contact information is information entered when the user subscribes to the electronic payment service. Credit information is information indicating whether or not a revolving payment or the like has been approved. Coupon grant information is information indicating the contents of coupons (benefits) granted to the user. Payment history information is information indicating the breakdown of payments made by the user for each payment (date and time, store ID of the store where the purchase was made, payment amount, etc.).

[0025] Information about stores is managed as store information 176. FIG. 6 is a diagram showing an example of the contents of store information 176. Store information 176 associates, for example, store IDs with information such as store category, location, and payment pattern. Store category may be one-level information, or may have a hierarchical structure of two or more levels. For example, information such as "Japanese cuisine," "restaurant," or "eatery" may be assigned as a higher-level concept than "sushi" shown in the figure. Locations may be represented by hierarchical code information such as JIS code. Payment pattern is information indicating whether payment is possible using pattern 1 or pattern 2 described above.

[0026] [Advertising] The advertisement distribution unit 150 performs processing for displaying advertisement content on the user terminal device 10. The advertisement distribution unit 150 is an example of an "information processing device." In this embodiment, the advertisement distribution unit 150 is a function of the payment server 100, but the advertisement distribution unit 150 (information processing device) may be a device separate from the payment server 100.

[0027] The payment information acquisition unit 152 acquires payment information for the electronic payment service. As described in Fig. 2, payment information is information that is generated each time a payment is made at a physical store and transmitted to the payment server 100. The payment information is provided to the payment processing unit 130 and reflected in the user information 172, and at the same time, the payment information is provided to the payment information acquisition unit 152.

[0028] The advertisement target determination unit 154 determines whether or not to start providing the stamp rally advertisement to the user terminal device 10 based on the advertisement target criteria information 178. When the advertisement target determination unit 154 determines to start providing the stamp rally advertisement to the user terminal device 10, the advertisement content provision unit 156 transmits a notification message to the user terminal device 10 inquiring whether or not to participate in the stamp rally, and when information indicating that the user will participate in the stamp rally is received from the user terminal device 10, the advertisement content provision unit 156 starts providing the stamp rally advertisement to the user.

[0029] As described above, stamp rally advertisements are meaningful in that they encourage users to visit multiple stores and make electronic payments during the period in which the advertisement is displayed. In other words, providing stamp rally advertisements to users who are not expected to visit multiple stores and make electronic payments during the period in which the stamp rally advertisement is displayed is likely to result in low advertising effectiveness and a waste of advertising costs. The advertisement target determination unit 154 increases the advertising effectiveness of stamp rally advertisements by narrowing down in advance the users to whom the stamp rally advertisements are to be displayed.

[0030] 7 is a diagram showing an example of the contents of the advertisement target criteria information 178. The advertisement target criteria information 178 is, for example, an advertisement target criteria ID associated with information such as advertisement target criteria content. The advertisement target criteria content indicates the conditions for users to start receiving the stamp rally advertisement.

[0031] For example, as shown in the record for the advertisement target criteria ID "XXX", when the advertisement target determination unit 154 determines, based on the payment information acquired by the payment information acquisition unit 152, that an electronic payment has been made at at least one of the stores registered for the stamp rally advertisement, it decides to start providing the stamp rally advertisement to the user terminal device 10 of that user. This makes it possible to prevent a decrease in the advertising effectiveness caused by providing the stamp rally advertisement to users who are located far from the stamp rally venue.

[0032] Furthermore, for example, as shown in the record for advertisement target criteria ID "YYY", if the advertisement target determination unit 154 determines that an electronic payment was made within 1 km of the distance between the location information of the user terminal device 10 acquired by a system such as GPS and at least one of the stores registered in the stamp rally advertisement, the advertisement target determination unit 154 decides to start providing the stamp rally advertisement to the user terminal device 10 of that user. This makes it possible to prevent a decrease in advertising effectiveness caused by providing the stamp rally advertisement to users who are located far from the stamp rally venue.

[0033] Furthermore, for example, as shown in the record for advertisement target criteria ID "ZZZ," if the advertisement target determination unit 154 determines based on the payment history information in the user information 172 that the user has made electronic payments within the area where the stamp rally is held (for example, Chiyoda Ward) every week for the past month, the advertisement target determination unit 154 decides to start providing a stamp rally advertisement to the user terminal device 10 of the user. This makes it possible to prevent a decrease in advertising effectiveness caused by providing a stamp rally advertisement to users who are not expected to continuously make electronic payments within the area where the stamp rally is held, such as business travelers.

[0034] Note that, in the above description, an example has been described in which advertisement target determination unit 154 determines users to whom the provision of a stamp rally advertisement will begin based on advertisement target criteria information 178, but the present invention is not limited to such a configuration. For example, all users of payment application 20 may be notified of the implementation of a stamp rally advertisement on any screen of payment application 20 (top screen, payment completion screen, menu screen, etc.), and the provision of the stamp rally advertisement may begin to those who wish to participate. Furthermore, for example, users who are determined to be in the vicinity of an area where a stamp rally is being held based on location information of user terminal device 10 may be notified of the holding of the stamp rally by push notification or the like, and the provision of the stamp rally advertisement may begin to those who wish to participate.

[0035] When the payment information acquisition unit 152 acquires payment information and the advertisement target determination unit 154 determines to start providing a stamp rally advertisement to a certain user, the advertising content provision unit 156 displays the stamp rally advertisement on the user terminal device 10, including it in a payment completion screen of the user terminal device 10. At this time, the advertising content provision unit 156 creates a record corresponding to the user in the stamp rally performance information 180 for the user for whom the stamp rally advertisement is to be started, and delivers a stamp rally advertisement according to the stamp rally performance information 180 for each user.

[0036] FIG. 8 is a diagram illustrating an example of the contents of the stamp rally result information 180. For example, the stamp rally result information 180 associates information such as a stamp rally participation status, store 1, store 2, ..., and store n with a user ID. The stamp rally participation status is information indicating whether a user corresponding to the user ID is participating in the stamp rally. Store 1, store 2, ..., and store n are information indicating whether an electronic payment has been made at each of these stores. For example, when the advertising content providing unit 156 determines, based on the payment information acquired by the payment information acquiring unit 152, that a user with user ID "AAA" has made an electronic payment at store n, the advertising content providing unit 156 changes the data item for store n in the payment information acquiring unit 152 from "unpaid" to "paid," and displays stamps for store 1 and store n on the payment completion screen of the user terminal device 10. In this case, because the data item for store 2 indicates "unpaid," the advertising content providing unit 156 does not display the stamp for store 2 on the payment completion screen of the user terminal device 10. This allows the user to understand that electronic payment at store 2 has not been completed. Note that the advertising content providing unit 156 may display a stamp rally advertisement including stamps from a store whose stamp rally participation status is "not completed" on the user terminal device 10 only when the user has made an electronic payment at that store and stamps from stores whose stamp rally participation status is "completed". In other words, the advertising content providing unit 156 may display a stamp rally advertisement on the user terminal device 10 only when it is determined that the user has made an electronic payment for the first time at each of multiple physical stores that are running stamp rally advertisements. This eliminates the discomfort the user may feel when the same stamp rally advertisement is repeatedly displayed if the user visits stores whose stamp rally participation status is "completed" multiple times.

[0037] Furthermore, for example, if the advertising content providing unit 156 determines based on the stamp rally result information 180 that the number of stores that the user has visited is equal to or greater than a predetermined number (for example, all stores except one), the advertising content providing unit 156 displays information on the screen of the user terminal device 10 indicating that the stamp rally is near completion. FIG. 9 is a diagram showing an example of the content of the information indicating that the stamp rally is near completion. As shown in FIG. 9, for example, if the advertising content providing unit 156 determines based on the stamp rally result information 180 that only one store remains to complete the stamp rally, the advertising content providing unit 156 displays information on the screen of the user terminal device 10 indicating that the stamp rally will be completed by electronic payment at the one store remains. This increases the user's motivation to make electronic payments at the remaining stores, thereby improving the effectiveness of the advertisement.

[0038] FIG. 10 is a diagram showing an example of information indicating that a stamp rally has been completed. As shown in FIG. 10 , when it is determined, for example, based on the payment history information or stamp rally result information 180 of the user information 172, that the user has made electronic payments at a threshold number of stores (e.g., all stores), the advertising content providing unit 156 displays information indicating that the stamp rally has been completed on the screen of the user terminal device 10. At this time, the benefit granting unit 158 ​​grants a benefit, such as points for the electronic payment service, to the user terminal device 10 of the user and records the grant details in the coupon granting information of the user information 172. For a user who has completed the stamp rally once, the advertising content providing unit 156 may erase the stamp rally advertisement shown in area A5 without displaying it again, or may allow the user to view an image of the completed stamp rally via, for example, the top screen or menu screen of the payment app 20.

[0039] [Stamp rally ad settings] The stamp rally setting reception unit 160 accepts registration settings for stamp rally advertisements via the advertiser terminal device 70 from representatives of multiple physical stores that wish to participate in the stamp rally advertisement. FIG. 11 shows an example of a screen that allows representatives of multiple physical stores to set up stamp rally advertisements on the advertiser terminal device 70. The stamp rally setting screen includes, for example, an area B1 for specifying the physical stores participating in the stamp rally advertisement, an area B2 for setting the validity period of the stamp rally advertisement, an area B3 for setting the threshold value for determining whether the stamp rally has been completed and for setting the rewards to be awarded upon completion of the stamp rally, and an area B4 that functions as a button for registering the settings made on the stamp rally setting screen. Area B1 further includes an area for specifying the store ID of the physical store participating in the stamp rally advertisement and an area for registering (uploading) stamps corresponding to the physical store as image files. Representatives of multiple physical stores wishing to participate in providing stamp rally advertising input information items in areas B1 to B3 on the advertiser terminal device 70 and press the registration button B4, which causes the stamp rally setting acceptance unit 160 to accept the input settings and register them in the memory unit 170 as stamp rally setting information 182.

[0040] FIG. 12 is a diagram showing an example of the contents of stamp rally setting information 182. For example, stamp rally setting information 182 associates information such as a set period, store 1, stamp 1, ..., store n, stamp n, and benefits with a stamp rally ID. The set period indicates the validity period of the stamp rally advertisement corresponding to the stamp rally ID and corresponds to the information set in area B2 of the stamp rally setting screen shown in FIG. 11. Store 1, ..., store n indicate the store IDs of multiple physical stores participating in the stamp rally advertisement corresponding to the stamp rally ID, and stamp 1, ..., stamp n indicate the storage paths of image files of stamps displayed corresponding to store 1, ..., store n, respectively. This information corresponds to the information set in area B1 of the stamp rally setting screen shown in FIG. 11. The benefits indicate the benefits to be granted when a user completes the stamp rally corresponding to the stamp rally ID and correspond to the information set in area B3 of the stamp rally setting screen shown in FIG. 11.

[0041] When a user makes an electronic payment using the payment application 20, the advertisement target determination unit 154 determines, based on the advertisement target criteria information 178 and the stamp rally setting information 182, which of the multiple stamp rallies registered in the stamp rally setting information 182 to start providing to the user. For example, depending on the content of the user's payment information, both the stamp rally with stamp rally ID "100" and the stamp rally with stamp rally ID "101" may satisfy the advertisement target criteria information 178. In this case, the advertisement target determination unit 154 may determine, for example, to provide the user with a stamp rally that is closer to the physical store, to provide the user with a stamp rally that has a longer set period, or to provide the user with all stamp rallies that satisfy the advertisement target criteria information 178.

[0042] [Processing flow] 13 is a flowchart showing an example of the flow of processing executed by the payment server 100. First, the payment content providing unit 120 and the advertisement distribution unit 150 each determine whether the payment server 100 has received payment information (S100). The payment processing unit 130 performs payment processing based on the payment information (S102).

[0043] In parallel, the payment information acquisition unit 152 of the advertisement distribution unit 150 acquires the received payment information and also acquires the past payment history of the user (the user related to the payment information) from the user information 172 (S106).

[0044] Next, the advertising content providing unit 156 of the advertising distribution unit 150 executes the stamp rally related process indicated by symbol A, which will be described later, and provides the advertising content that takes into account the execution result of the stamp rally related process to the payment content providing unit 120 (S108).

[0045] The payment content providing unit 120 includes the advertising content provided by the advertising content providing unit 156 in the payment completion screen and displays it on the user terminal device 10 (S104).

[0046] FIG. 14 is a flowchart showing an example of the flow of stamp rally-related processing executed by the advertisement distribution unit 150. First, the advertising content providing unit 156 determines whether the user who made the electronic payment is currently participating in the stamp rally by referring to the stamp rally result information 180 using the payment information acquired by the payment information acquisition unit 152 (S200). If it is determined that the user who made the electronic payment is currently participating in the stamp rally, the advertising content providing unit 156 determines whether to award a stamp to the user terminal device 10 of the user in accordance with the acquired payment information (S202). More specifically, if the store information included in the acquired payment information matches the store information of one of the registered stores in the stamp rally advertisement and the data item for the store in the stamp rally result information 180 is "unpaid," the advertising content providing unit 156 determines to award a stamp corresponding to the store to the user terminal device 10. The advertising content providing unit 156 also changes the data item for the store in the stamp rally result information 180 from "unpaid" to "paid."

[0047] Next, the advertising content providing unit 156 determines whether the user who made the electronic payment has made the electronic payment at a threshold or more of registered stamp rally stores (S204). If it is determined that the user who made the electronic payment has made the electronic payment at a threshold or more of registered stamp rally stores, the advertising content providing unit 156 determines to include benefit granting information (for example, the granting information shown in FIG. 10) as advertising content to be displayed on the payment completion screen of the user terminal device 10 (S206). Furthermore, the benefit granting unit 158 ​​grants a benefit, such as points for the electronic payment service, to the user terminal device 10 of the user, and records the granting details in the coupon granting information of the user information 172 (S207). On the other hand, if it is determined that the user who has made an electronic payment has not made electronic payments at a number of stamp rally registered stores equal to or greater than the threshold value, the advertising content providing unit 156 decides to include a stamp rally advertisement as advertising content to be displayed on the payment completion screen of the user terminal device 10, i.e., an advertisement that displays stamps at stores among the stamp rally registered stores where electronic payments have been made, and does not display stamps at stores where electronic payments have not been made (S208).

[0048] On the other hand, if it is determined in step S200 that the user who made the electronic payment is not currently participating in a stamp rally, the advertisement target determination unit 154 determines whether or not there is a stamp rally in which the user satisfies the participation criteria (S210). More specifically, the advertisement target determination unit 154 refers to the advertisement target criteria information 178 and the stamp rally setting information 182, and determines whether or not there is a stamp rally in which the user satisfies the advertisement target criteria information 178 among the stamp rallies registered in the stamp rally setting information 182 for the user. If it is determined that there is a stamp rally that satisfies the advertisement target criteria information 178, the advertisement content providing unit 156 transmits a notification message to the user terminal device 10 inquiring about participation in the stamp rally, and receives information indicating whether or not to participate in the stamp rally from the user terminal device 10 (S212). If the information indicating participation in the stamp rally is received from the user terminal device 10, the advertisement content providing unit 156 determines to include a stamp rally advertisement as advertisement content to be displayed on the payment completion screen of the user terminal device 10. At this time, if the store information included in the acquired payment information matches the store information of any one of the registered stores in the stamp rally advertisement, the advertising content providing unit 156 also decides to grant a stamp corresponding to that store to the user terminal device 10 and display it on the payment completion screen as the first stamp acquired by the user.

[0049] On the other hand, if it is determined in step S210 that the user who made the electronic payment does not meet the criteria for participation in the stamp rally, or if information indicating that the user will not participate in the stamp rally is received from the user terminal device 10 in step S212, the advertising content providing unit 156 determines not to include a stamp rally advertisement as advertising content to be displayed on the payment completion screen of the user terminal device 10. In this case, for example, on the payment completion screen shown in FIG. 3, the stamp rally advertisement indicated by area A5 is not displayed, and a regular display advertisement indicated by area A4 is displayed. This ends the processing executed by the advertising distribution unit 150.

[0050] In the above description, a case where a stamp rally advertisement is displayed on the payment completion screen of user terminal device 10 has been described as an example, but the present invention is not limited to such a configuration. For example, a dedicated mini-app for displaying the stamp rally advertisement may be implemented in payment app 20, and the user may view the stamp rally advertisement by accessing the mini-app via the top screen or menu screen of payment app 20. Even when such a configuration is adopted, all of the processing of advertisement distribution unit 150 described above is applicable, except that the display destination of the stamp rally advertisement is changed from the payment completion screen to the mini-app.

[0051] According to the process described above, a stamp rally advertisement for a predetermined number of physical stores is displayed on the user terminal device based on the payment information of the user who has made an electronic payment, and if the user makes an electronic payment at a threshold number of physical stores or more, a bonus for the electronic payment service is granted to the user terminal device. This makes it possible to provide an information processing device, information processing method, and program that can sufficiently improve convenience for users.

[0052] The above describes the form for carrying out the present invention using an embodiment, but the present invention is not limited to such an embodiment, and various modifications and substitutions can be made within the scope that does not deviate from the gist of the present invention. [Explanation of symbols]

[0053] 10 User terminal device 20. Payment App 50 Store terminal equipment 60 Store Code Image 70 Advertiser terminal device 100 Payment Server 120 Payment Contents Department 130 Payment processing unit 150 Advertising distribution unit (information processing device) 152 Payment Information Acquisition Department 154 Advertising target determination unit 156 Advertising Content Provider 158 Benefits Granting Department 160 Stamp Rally Registration Reception 170 Storage section 172 User information 174 Payment Content Information 176 Store Information 178 Advertising Targeting Criteria Information 180 Stamp Rally Results Information 182 Stamp Rally Setting Information

Claims

1. a payment information acquisition unit that acquires payment information for an electronic payment service related to purchasing behavior at a physical store; an information providing unit that, when it is determined based on the payment information that the user of the electronic payment service has made an electronic payment at one of a predetermined number of physical stores, provides stamp rally content including payment record information showing payment records at the plurality of physical stores to the user terminal device of the user; the information providing unit, when it is determined that the user has made an electronic payment at a physical store among the plurality of predetermined physical stores, records information indicating that the user has made an electronic payment at the physical store, and provides the stamp rally content, including the payment record information, to the user terminal device; the information providing unit causes the user terminal device to display stamp rally content including the payment record information on a payment completion screen related to the electronic payment at the certain physical store. Information processing device.

2. The computer Obtain payment information for electronic payment services related to purchasing behavior in physical stores, If it is determined based on the payment information that the user of the electronic payment service has made an electronic payment at one of a predetermined number of physical stores, a stamp rally content including payment record information showing the payment records at the plurality of physical stores is provided to the user terminal device of the user, When it is determined that the user has made an electronic payment at a physical store among the plurality of predetermined physical stores, information indicating that the user has made an electronic payment at the physical store is recorded, and the stamp rally content is provided to the user terminal device together with the payment record information; displaying, on the user terminal device, stamp rally content including the payment record information in a payment completion screen related to the electronic payment at the certain physical store; Information processing methods.

3. On the computer, Acquire payment information for electronic payment services related to purchasing behavior in physical stores, When it is determined based on the payment information that the user of the electronic payment service has made an electronic payment at one of a plurality of predetermined physical stores, a stamp rally content including payment record information showing payment records at the plurality of physical stores is provided to the user terminal device of the user, When it is determined that the user has made an electronic payment at a physical store among the plurality of predetermined physical stores, information indicating that the user has made an electronic payment at the physical store is recorded, and the stamp rally content including the payment record information is provided to the user terminal device; displaying, on the user terminal device, stamp rally content including the payment record information, on a payment completion screen related to the electronic payment at the certain physical store; program.

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