Application program, payment system, and terminal device control method

Abstract

To provide an application program, a payment system, and a terminal device control method that allow a user to check details of electronic payment from a payment completion screen. [Solution] An application program that causes a terminal device capable of communicating with a payment server that provides electronic payment services via a network to send payment information including the payment amount of the electronic payment to the payment server, receive a payment completion notification from the payment server indicating that the electronic payment has been completed, and, in response to the payment completion notification, display on the display unit of the terminal device a payment completion screen including at least one of the following: a breakdown of the payment method for the payment amount, benefits used for the electronic payment, benefits applied to the electronic payment, and proposed information corresponding to the electronic payment.

Description

[Technical Field]

[0001] The present invention relates to an application program, a payment system, and a method for controlling a terminal device. [Background technology]

[0002] Conventionally, electronic payment services using user terminals owned by users have been known. For example, Patent Document 1 proposes a technology in which, when a user makes an electronic payment using a payment app, a payment completion screen is displayed on the display unit of the user terminal. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Japanese Patent Application Publication No. 2023-155392 Summary of the Invention [Problem to be solved by the invention]

[0004] However, while the payment app described in Patent Document 1 can display information about the store where the payment was made and the payment amount on a payment completion screen, it cannot display details of the payment method (e.g., a breakdown of points and electronic money balance), benefits used for the electronic payment (e.g., coupons), benefits applied to the electronic payment (e.g., campaigns), or suggested information related to the electronic payment (e.g., suggestions for available services) on the payment completion screen. As a result, users were sometimes unable to check the details of the electronic payment from the payment completion screen.

[0005] The present invention has been made in consideration of these circumstances, and one of its objectives is to provide an application program, a payment system, and a control method for a terminal device that allows users to check the details of electronic payments from a payment completion screen. [Means for solving the problem]

[0006] One aspect of the present invention is an application program that causes a terminal device capable of communicating with a payment server that provides electronic payment services via a network to send payment information including the payment amount of the electronic payment to the payment server, receive a payment completion notification from the payment server indicating that the electronic payment has been completed, and, in response to the payment completion notification, display on a display unit of the terminal device a payment completion screen that includes at least one of a breakdown of the payment method for the payment amount, benefits used for the electronic payment, benefits applied to the electronic payment, and proposed information corresponding to the electronic payment. [Effects of the Invention]

[0007] According to one aspect of the present invention, it is possible to provide an application program, a payment system, and a method for controlling a terminal device that allow a user to check details of an electronic payment from a payment completion screen. [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] This is a sequence diagram (part 1) illustrating the general flow of electronic payment. [Figure 3] This is a sequence diagram (part 2) illustrating the general flow of electronic payment. [Figure 4] FIG. 2 is a configuration diagram of a payment server 100 according to the first embodiment. [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 affiliated store / store information 176. [Figure 7] FIG. 10 is a diagram showing an example of the contents of coupon information 178. [Figure 8] FIG. 10 is a diagram showing an example of the contents of campaign information 179. [Figure 9] FIG. 2 is a diagram illustrating the configuration of a user terminal device 200. [Figure 10] 10 is a diagram showing an example of a payment completion screen SC1 of payment application 20. FIG. [Figure 11] FIG. 10 is a diagram showing an example of a sheet SH1 displayed on the payment completion screen SC1. [Figure 12] 10 is a diagram showing an example of a payment completion screen SC2 of payment application 20. FIG. [Figure 13] 13 is a diagram showing an example of a payment completion screen SC3 of payment application 20. FIG. [Figure 14] FIG. 10 is a diagram showing an example of a payment completion screen SC4 of payment application 20. [Figure 15] FIG. 10 is a diagram showing an example of a sheet SH2 displayed on the payment completion screen SC4. [Figure 16] FIG. 10 is a diagram showing an example of a sheet SH2. [Figure 17] FIG. 10 is a diagram illustrating an example of a widget. [Figure 18] 13 is a diagram showing an example of a payment completion screen SC5 of payment application 20. FIG. [Figure 19] 13 is a diagram showing an example of a payment completion screen SC6 of the payment application 20. FIG. [Figure 20] FIG. 10 is a diagram showing an example of a sheet SH3. [Figure 21] 13 is a diagram showing an example of a payment completion screen SC7 of payment application 20. FIG. [Figure 22] 13 is a diagram showing an example of a payment completion screen SC8 of payment application 20. FIG. DETAILED DESCRIPTION OF THE INVENTION

[0009] Hereinafter, with reference to the drawings, embodiments of an application program, a payment system, and a terminal device control method of the present invention will be described. The application program and a payment server work together to provide an electronic payment service. In the following description, the application program will be referred to as a payment app. The electronic payment service is a service that supports payments for the purchase of goods and services at a store. A store is, for example, a physical store (real store) existing in real space, but may also include a virtual store for e-commerce. A virtual store may also include a store provided by an entity other than the operator of the electronic payment service. In such a case, when paying for purchases at the virtual store, the user is controlled to transition to the interface screen of the electronic payment service. In an electronic payment service, a store is treated as belonging to, for example, an affiliated store (brand), and processing such as payment when a purchase is made at a store is primarily conducted between the user and the affiliated store. Alternatively, processing such as payment may be conducted between the user and the store.

[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 200, one or more first store terminal devices 50, and one or more second store 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] User terminal device 200 is, for example, a portable terminal device such as a smartphone or tablet terminal. User terminal device 200 is a computer device having at least an optical reading function, a communication function, a display function, an input acceptance function, and a program execution function. In the following description, components for realizing these functions are referred to as a camera, a communication device, a touch panel, a CPU (Central Processing Unit), etc. In user terminal device 200, a processor such as a CPU executes payment app 20, which operates in cooperation with payment server 100 to provide electronic payment services to users. Payment app 20 is installed on user terminal device 200 from, for example, an application store, and controls the camera, communication device, touch panel, etc.

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

[0013] The second store terminal device 70 is used by the operator of the affiliated store. The second store terminal device 70 is a smartphone, tablet terminal, personal computer, etc. An interface for affiliated stores 72 runs on the second store terminal device 70. The interface for affiliated stores 72 may be an app for affiliated stores or a browser. The interface for affiliated stores 72 accepts coupon settings and the like from the operator of the affiliated store and transmits them to the payment server 100. The second store terminal device 70, which is a smartphone, has the function of displaying a code image corresponding to a store code image and reading the code image displayed by the user terminal device 200 by executing the app for affiliated stores.

[0014] The payment server 100 realizes electronic payment based on payment information received from the user terminal device 200 or the first store terminal device 50. The first store terminal device 50 may include a POS device and an affiliated store server, in which case payment information is sent from the POS device via the affiliated store server to the payment server 100. In the following explanation, this distinction will not be made and it is assumed that payment information is sent from the first store terminal device 50.

[0015] 2 and 3 are sequence diagrams illustrating the general flow of electronic payment. There may be two patterns for electronic payment: Pattern 1 and Pattern 2.

[0016] In the case of pattern 1 (hereinafter referred to as user scan) shown in FIG. 2, user terminal device 200, with payment application 20 running, decodes store code image 60 using its optical reading function (S1). Store code image 60 includes store URL (Uniform Resource Locator) information. This store URL is the domain of the electronic payment service to which store identification information has been added, and is associated with an affiliated store ID, store ID, etc. in payment server 100 (described below). Payment application 20 sends first payment information including the store URL and account ID to payment server 100 (S2). Payment server 100 searches for store information (described below) using the affiliated store ID and store ID corresponding to the store URL, acquires information on the affiliated store name and store name (S3), and sends this information to payment application 20 (S4). The user enters the payment amount into user terminal device 200 on the screen displaying the affiliated store name and store name (S5). Then, the user terminal device 200 generates second payment information including at least the payment amount and sends it to the payment server 100 (S6). The payment server 100 makes the electronic payment based on the received second payment information (S7). The payment server 100 then sends a payment completion notice (information for displaying a payment completion screen) to the payment app 20 (S8), and the payment app 20 displays the payment completion screen (S9). Note that when the store code image 60 is displayed on a display installed in the store, the store code image 60 may include information on the payment amount in addition to the store URL. In this case, the step of the user inputting the payment amount is omitted, and the payment amount information is included in the first payment information and sent to the payment server 100. Information on the affiliated store name and store name may be included and displayed on the payment completion screen.

[0017] In the case of pattern 2 (hereinafter referred to as store scan) shown in FIG. 3, the payment app 20 sends a request to issue a one-time code to the payment server 100 when the payment app 20 is launched, when a payment operation is performed in the payment app 20, at the automatic update timing (e.g., every minute), and at other timings (S11). The payment server 100 generates a one-time code (S12) and sends it to the payment app 20 (S13). The payment app 20 displays a code image, such as a QR code (registered trademark) or barcode, generated based on the one-time code (S14). The user holds (presents) the display surface of the user terminal device 200 over the first in-store terminal device 50, and the first in-store terminal device 50 decodes the code image using its optical reading function and acquires the one-time code, etc. (S15). The first in-store terminal device 50 then generates payment information including the one-time code, payment amount, affiliated store ID, store ID, etc., and sends it to the payment server 100 (S16). The payment amount information is acquired in advance by reading a barcode, manually entering it, etc. Based on the received information, the payment server 100 identifies the user corresponding to the one-time code and performs electronic payment (S17). Then, the payment server 100 sends a payment completion notice to the payment application 20 (S18), and the payment application 20 displays a payment completion screen (S19).

[0018] Note that electronic payment may be performed using only one of the above patterns. Furthermore, the "account ID" described in FIG. 2 may be other information (e.g., a phone number) that can be used as user identification information. Furthermore, issuing a one-time code may be omitted in store scanning, and the payment application 20 may display a code image generated based on the user's account ID. In this case, the payment server 100 identifies the user corresponding to the account ID instead of identifying the user corresponding to the one-time code.

[0019] [Payment server] FIG. 4 is a configuration diagram of the payment server 100 according to the first embodiment. The payment server 100 includes, for example, a communication unit 110, a payment content providing unit 120, a payment processing unit 130, an information management unit 140, and a storage unit 170. The components other than the communication unit 110 and the storage unit 170 are 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 a large-scale integration (LSI), an application-specific integrated circuit (ASIC), a field-programmable gate array (FPGA), or a graphics processing unit (GPU), 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 with a non-transitory storage medium) such as a hard disk drive (HDD) 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.

[0020] The storage unit 170 is a hard disk drive (HDD), a flash memory, a random access memory (RAM), etc. The storage unit 170 may be a network attached storage (NAS) 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, affiliated store / shop information 176, coupon information 178, and campaign information 179.

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

[0022] The payment content providing unit 120 has, for example, a function of a web server, and provides information (content) for displaying various screens of the electronic payment service to the user terminal device 200. 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 200. The user terminal device 200 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 200 or the first 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 is an example of user registration information. User information 172 includes, for example, a user URL, account ID, telephone number, and password, as well as other information such as email address, user ID, name, address, date of birth, registration date, charge balance, deferred payment settings, deferred payment limit, deferred payment usage amount, available deferred payment amount, payment method settings, bank account, credit card number, charge history information, payment history information, points, coupons held, and campaign progress information. The user URL is used for remittance processing between users. When registering for the electronic payment service, registration of a phone number and password is required. The account ID is issued to the user by the payment server 100, and the user ID can be set arbitrarily by the user (or does not have to be set). Similarly, the email address, name, address, and date of birth are also information that can be set arbitrarily by the user (or do not have to be set). The registration date is the date on which the user registered for the electronic payment service (the date on which the account was created). Hereinafter, the user's instance (electronic payment account) to which this information is associated will be referred to as an account.

[0025] The charge balance indicates the balance of electronic money set by the user by transferring funds to the account in advance. Transfer methods include transfers from a designated service provider (bank) ATM (Automatic Teller Machine) or from a registered bank account. The deferred payment setting indicates whether the setting for deferred payment electronic payments has been completed and is set to either "completed" or "not completed." The deferred payment limit is the monthly deferred payment limit. The deferred payment usage amount is the amount of deferred payment already used in the current month. The available deferred payment amount is the amount of deferred payment available in the current month, calculated by subtracting the deferred payment usage amount from the deferred payment limit. While the figure shows only one deferred payment limit, in reality, there may also be daily upper limits, and the lower of these may be set as the deferred payment limit. Further details on deferred payment will be discussed later. The payment method setting indicates whether the user will make electronic payments using the charge balance or by deferred payment at that time. The bank account and credit card number are information on the bank account or credit card number (account number, card number) that can be used to deposit funds into the electronic payment service. The charge history information is a history of the user's previous transfers to the electronic payment service to increase the charge balance. The payment history information is information that shows the breakdown of payments made by the user for each payment (date and time, store ID of the store where the purchase was made, payment amount, payment method, etc.).

[0026] Points are a value acquired each time an electronic payment is made using the payment app 20, and can be used to pay the payment amount in the electronic payment service. In electronic payments, 1 point can be used at a rate of 1 yen. Owned coupons are information indicating coupons possessed by a user, and include a coupon ID for identifying the coupon. Coupons are issued by affiliated stores, and when used in electronic payments, points are awarded to users who make electronic payments. Campaign progress is information indicating the progress of a campaign applied by a user in electronic payments, and includes a campaign ID for identifying the campaign and points earned in the campaign. A campaign is a benefit in which points are awarded to users who make electronic payments when preset conditions in electronic payments are met.

[0027] 6 is a diagram showing an example of the contents of affiliated store / store information 176. The affiliated store / store information 176 includes, for example, a first table 176A in which an affiliated store ID and a store ID are associated with a store URL, a second table 176B in which an affiliated store ID is associated with an affiliated store name and sales amount (described above), and a third table 176C in which a store ID is associated with a store name. In addition to this information, the affiliated store / store information 176 may also include information such as the category of the affiliated store or store, the store's location, and payment patterns.

[0028] FIG. 7 is a diagram showing an example of the contents of coupon information 178. Coupon information 178 includes, for example, a coupon ID, coupon name, expiration date, point award rate, maximum awarded points, and affiliated store ID. The coupon ID is identification information for identifying the coupon. The coupon name is the name of the coupon that informs the user of the coupon's contents. The expiration date is the expiration date for using the coupon. The point award rate is the award rate of points awarded to the user when using a coupon, and indicates the ratio to the payment amount. The maximum awarded points indicates the maximum number of points awarded to the user for one use of a coupon. The affiliated store ID is identification information for identifying the affiliated store, and is the same information as the affiliated store ID shown in FIG. 6.

[0029] FIG. 8 is a diagram showing an example of the contents of campaign information 179. Campaign information 179 includes, for example, a campaign ID, a campaign name, a period, conditions, a point award rate, a point upper limit, and an affiliated store ID. The campaign ID is identification information for identifying the campaign. The campaign name is the name of the campaign used to inform users of the campaign content. The period is the period during which the campaign is held. The conditions are conditions under which the campaign can be applied to electronic payments. For example, conditions include the purchase of a specific product or the payment amount being equal to or greater than a predetermined amount. The point award rate is the rate at which points are awarded to a user when a campaign is applied, and is expressed as a percentage of the payment amount. The point upper limit indicates the upper limit of points awarded to a user when a campaign is applied. The affiliated store ID is identification information for identifying an affiliated store, and is the same information as the affiliated store ID shown in FIG. 6.

[0030] Returning to the explanation of Fig. 4, the information management unit 140 manages the user information 172 and the affiliated store / store information 176 based on information acquired from the user terminal device 200 and the second store terminal device 70. The information management unit 140 adds new records, edits, deletes, etc. for the user information 172, the affiliated store / store information 176, the coupon information 178, and the campaign information 179.

[0031] [Electronic Payment] When payment information is acquired from the user terminal device 200 or the first store terminal device 50, the payment processing unit 130 references the user information 172 to acquire the "payment method setting" of the user. For users whose "payment method setting" is set to "charge balance," the payment processing unit 130 performs electronic payment as follows: For example, the payment processing unit 130 performs electronic payment by decreasing the charge balance managed in association with the user ID and increasing the item value of the affiliated store's sales proceeds. The item value of the affiliated store's sales proceeds is not itself used as electronic money, for example, but rather the amount corresponding to the item value of the sales proceeds is transferred to a bank account in a cycle according to an agreement between the affiliated store and the electronic payment service.

[0032] The payment processing unit 130 performs electronic payments for users whose "setting information" is set to "deferred payment" as follows. Deferred payment is set separately from "credit card payment," which is set in cooperation with a credit card company, which is a separate entity from the operator of the electronic payment service. The operator of the electronic payment service acts as the creditor, and allows electronic payments within the deferred payment limit, independent of the charge balance. Note that obtaining a credit card provided by the operator of the electronic payment service may be required to receive the deferred payment service. The amount used for deferred payment is settled in full for one month on the payment date of the following month, for example, by debit from a bank account. In this case, the payment processing unit 130 makes a provisional settlement by adding the settlement amount to the deferred payment amount and subtracting the same amount from the available deferred payment balance. On the closing date, the payment for the current month is debited on the payment date of the following month, as described above. Note that if the settlement amount exceeds the available deferred payment balance at the time of provisional settlement, an error notification is returned to the payment app 20.

[0033] [User terminal device] FIG. 9 is a configuration diagram of the user terminal device 200. The user terminal device 200 includes, for example, a communication unit 210, a display unit 220, an input unit 230, a control unit 240, and a storage unit 250. The communication unit 210 is a communication interface for communicating with the settlement server 100. The display unit 220 and the input unit 230 are realized, for example, by a touch panel display.

[0034] The control unit 240 is realized, for example, by a hardware processor such as a CPU executing a program (software). Some or all of these components may be realized by hardware (including circuit parts) such as LSI, ASIC, FPGA, GPU, etc., or may be realized by the cooperation 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 or a flash memory, or may be stored in a removable storage medium (a non-transitory storage medium) such as a DVD or a CD-ROM, and may be installed in the storage device by mounting the storage medium on a drive device.

[0035] [[ID=*7]] The storage unit 250 is an HDD, a flash memory, or a RAM, etc. The storage unit 250 may be a NAS device accessible by the user terminal device 200 via a network. The storage unit 250 stores user information 252 and a settlement application 20, etc. The user information 252 is part or all of the information of the record corresponding to the user who owns the user terminal device 200 among the user information 172 shown in FIG. 5. The settlement application 20 is read and executed by a hardware processor (such as a CPU) in the user terminal device 200.

[0036] <0000 *177>Next, the design of the settlement completion screen will be described. The settlement completion screen of the present embodiment is designed for the following purposes. (1) The settlement completion screen contains sufficient information to help the user easily confirm and manage the transaction details. It should be noted that there seems to be an error in the original text where the tag has an asterisk in the English translation. It should be the same as the original tag without any modification in a proper translation. Also, the asterisk in in the original text might be a formatting or input error.(2) The payment completion screen helps users manage their purchasing behavior and achieve their goals (e.g., campaign conditions). (3) The payment completion screen will be personalized to display information that is valuable to the user. A specific example of a payment completion screen for achieving the above purpose will be described in detail below.

[0037] [Example of payment completion screen 1] Fig. 10 is a diagram showing an example of a payment completion screen SC1 of the payment application 20. When the payment application 20 receives a payment completion notice from the payment server 100 (step S8 in Fig. 2 or step S18 in Fig. 3), the payment application 20 displays the payment completion screen SC1 shown in Fig. 10 on the display unit 220 of the user terminal device 200.

[0038] The payment completion screen SC1 displays information about the store where the electronic payment was made and the date and time when the electronic payment was completed. The payment completion screen SC1 also displays multiple areas A1 to A6 and multiple buttons B1 to B3.

[0039] The payment amount is displayed in area A1. In the example shown in Figure 10, the payment amount is displayed as 2,800 yen. In addition, below the payment amount, a message indicating that the payment has been completed is displayed.

[0040] Area A2 displays a breakdown of the payment method for the payment amount. For example, the breakdown of the payment method for the payment amount may include a breakdown of the points used for the electronic payment and the balance of electronic money. In the example shown in Figure 10, 100 points are displayed as the points used for the electronic payment, and 2,700 yen is displayed as the balance of electronic money used for the electronic payment.

[0041] Area A3 displays the points earned through electronic payment. In the example shown in Figure 10, 280 points are displayed. The number of coupons used to earn the points and the number of campaigns applied are also displayed.

[0042] Area A4 displays information about the stamp card. The stamp card is a service that allows users to earn stamps when they make electronic payments of a certain amount or more. When users earn a certain number of stamps, they can exchange them for rewards designated by the affiliated store. In the example shown in Figure 10, it is displayed that the user earned two stamps through electronic payments.

[0043] Area A5 displays information about mileage. Mileage is a service that accumulates purchase records when a user purchases specific products through electronic payment, and awards points to the user when the purchase amount reaches a predetermined amount. In the example shown in Figure 10, it is displayed that the user has earned 1,000 yen worth of mileage through electronic payment.

[0044] Area A6 displays the rewards that the user can earn in response to the current electronic payment. In the example shown in FIG. 10, special coupons and scratch-off lottery tickets are displayed as rewards. Special coupons are given to users who make electronic payments that meet certain conditions. Scratch-off lottery tickets are tickets that award users with special benefits if the picture that appears when scratched indicates a winning combination.

[0045] When the user selects (tap) button B1, sheet SH1 showing details of the points earned is displayed. Details of sheet SH1 will be described later in Figure 11. Sheet SH1 displays points earned by using coupons, points earned by applying for campaigns, etc.

[0046] When the user selects (tap) button B2, a stamp card details screen (not shown) is displayed. The stamp card details screen displays a stamp card showing the number of stamps acquired.

[0047] When the user selects (tap) button B3, a mileage details screen (not shown) is displayed. The mileage details screen displays information such as the mileage achievement status for each product and the number of points that will be awarded to the user when the mileage is achieved.

[0048] 11 is a diagram showing an example of a sheet SH1 displayed on the payment completion screen SC1. A plurality of areas A7 to A13 and a plurality of buttons B4 to B7 are displayed on the sheet SH1.

[0049] Area A7 displays the points earned through electronic payment. In the example shown in Figure 11, 280 points are displayed as the earned points.

[0050] Area A8 displays information about the coupon used in the electronic payment. In the example shown in Figure 11, the name of the coupon used (Coupon A), the points earned by using the coupon (80 points), and the date on which the earned points will be awarded to the user (September 1, 2024) are displayed.

[0051] Area A9 displays information about the campaign applied in the electronic payment. In the example shown in Figure 11, the name of the applied campaign (Campaign B), the points earned by applying the campaign (100 points), and the date on which the earned points will be awarded to the user (September 1, 2024) are displayed.

[0052] Area A10 displays information about other campaigns applied in electronic payments. In the example shown in Figure 11, the name of the applied campaign (Campaign C), the points earned through the campaign (100 points), and the date on which the earned points will be awarded to the user (September 1, 2024) are displayed.

[0053] Area A11 displays suggested information according to the electronic payment. In the example shown in Fig. 11, suggested information is displayed to suggest the use of a specific credit card that will give the user a higher point reward rate when making an electronic payment.

[0054] Area A12 displays information about campaigns that could not be applied to the current electronic payment but may be applied at another time. In the example shown in Figure 11, information about a campaign that could not be applied because the time period for electronic payment did not meet the conditions (Campaign D, applicable time period 12:00-14:00) is displayed.

[0055] Area A13 displays information about campaigns that satisfy the conditions but cannot be applied to the current electronic payment. In the example shown in Figure 11, information about a campaign (Campaign E, 1000 points earned) that cannot be applied to the current electronic payment is displayed because the points earned have reached the upper limit.

[0056] When the user selects (tap) button B4, a credit card registration screen (not shown) is displayed. The credit card registration screen displays an input form for entering information about the credit card owned by the user. This allows the user to easily register their credit card, and from the next time onwards, they can earn a higher point award rate by using credit card payments.

[0057] When the user selects (tap) button B5, a reminder setting screen (not shown) is displayed. The reminder setting screen is a setting screen for reminding the user about campaigns that could not be applied to the current electronic payment. By setting the reminder, the payment application 20 can remind the user when the time period in which the campaign can be applied approaches, thereby encouraging the user to apply the campaign.

[0058] When the user selects (tap) button B6, a campaign details screen (not shown) is displayed. By checking the campaign details screen, the user can understand details about the campaign (campaign name, conditions, point award rate, earned points, etc.).

[0059] When the user selects (tap) the button B7, the sheet SH1 is closed, and the payment completion screen SC1 shown in FIG.

[0060] [Second example of payment completion screen] Fig. 12 is a diagram showing an example of a payment completion screen SC2 of payment application 20. Payment application 20 may display payment completion screen SC2 of Fig. 12 on display unit 220 of user terminal device 200, instead of payment completion screen SC1 of Fig. 10.

[0061] The payment completion screen SC2 displays information about the store where the electronic payment was made and the date and time when the electronic payment was completed. The payment completion screen SC2 also displays a number of areas A14 to A18.

[0062] The payment amount is displayed in area A14. In the example shown in Figure 12, the payment amount is displayed as 2,800 yen. In addition, below the payment amount, a message indicating that the payment has been completed is displayed.

[0063] Area A15 displays the breakdown of the payment method for the payment amount. In the example shown in Figure 12, 100 points are displayed as the points used for the electronic payment, and 2,700 yen is displayed as the balance of electronic money used for the electronic payment.

[0064] Area A16 displays the rewards earned through electronic payment. In the example shown in Figure 12, 280 points are displayed as the rewards earned through electronic payment. The number of stamps (+2) and mileage (+1000) earned through electronic payment are also displayed.

[0065] Area A17 displays the number of points the user currently possesses. In the example shown in Figure 12, 14,678 points are displayed as the number of points the user currently possesses. This allows the user to check the payment completion screen to see how many points they have.

[0066] Area A18 displays information recommended to the user. For example, the information recommended to the user may be information about coupons that could not be used in the current electronic payment but can be used on another occasion. For example, payment application 20 may display in area A18 coupons that will soon be usable from affiliated stores to which the store where the electronic payment was made belongs, coupons from affiliated stores to which other stores near the store where the electronic payment was made belong, and coupons from affiliated stores in categories that the user frequently uses based on the user's payment history.

[0067] [Third example of payment completion screen] Fig. 13 is a diagram showing an example of a payment completion screen SC3 of payment application 20. Payment application 20 may display payment completion screen SC3 of Fig. 13 on display unit 220 of user terminal device 200, instead of payment completion screen SC1 of Fig. 10 and payment completion screen SC2 of Fig. 12.

[0068] The payment completion screen SC3 displays information about the store where the electronic payment was made and the date and time when the electronic payment was completed. The payment completion screen SC3 also displays multiple areas A19 to A25 and multiple buttons B8 to B12.

[0069] The payment amount is displayed in area A19. In the example shown in Figure 13, the payment amount is displayed as 2,800 yen. In addition, below the payment amount, a message indicating that the payment has been completed is displayed.

[0070] Area A20 displays the points used in the electronic payment. In the example shown in Figure 13, it displays that 100 points were used in the electronic payment.

[0071] Area A21 displays the points earned through electronic payment. In the example shown in Figure 13, 280 points are displayed as the number of points earned. The number of coupons used to earn the points and the number of campaigns applied are also displayed.

[0072] Area A22 displays information about the stamp card. In the example shown in Figure 13, it displays that the user has acquired two stamps through electronic payment.

[0073] Area A23 displays information about mileage. In the example shown in Fig. 13, it displays that the user has earned 1000 yen worth of mileage through electronic payment.

[0074] Area A24 displays suggested information corresponding to the electronic payment. For example, the credit card registered by the user for credit card payment may include a service that allows free use of an airport lounge. In such a case, payment app 20 may suggest to the user that they use the airport lounge. In the example shown in FIG. 13, when an electronic payment is made at a store in an airport, payment app 20 displays information suggesting use of the airport lounge on the payment completion screen SC3.

[0075] Area A25 displays suggested information corresponding to the electronic payment. For example, the credit card registered by the user for credit card payment may include travel insurance. In such a case, payment app 20 may suggest to the user that they check information about the travel insurance. In the example shown in FIG. 13, when an electronic payment is made at a store in an airport, payment app 20 displays information on the payment completion screen SC3 that suggests that the user check information about the travel insurance attached to the user's credit card.

[0076] When the user selects (tap) button B8, sheet SH1 shown in Figure 11 above is displayed on the payment completion screen SC3. This allows the user to check the points earned by using coupons, points earned by applying for campaigns, etc.

[0077] When the user selects (tap) the button B9, a stamp card details screen (not shown) is displayed. The stamp card details screen displays a stamp card showing the number of stamps acquired.

[0078] When the user selects (tap) button B10, a mileage details screen (not shown) is displayed. The mileage details screen displays information such as the mileage achievement status for each product and the number of points that will be awarded to the user when the mileage is achieved.

[0079] When the user selects (tap) the button B11, a lounge details screen (not shown) is displayed. The lounge details screen displays information such as the location of the lounge in the airport and the services provided at the lounge.

[0080] When the user selects (tap) button B12, a travel insurance screen (not shown) is displayed. The travel insurance screen displays information such as the coverage details and terms of use of the travel insurance attached to the user's credit card.

[0081] [Example 4 of payment completion screen] Fig. 14 is a diagram showing an example of payment completion screen SC4 of payment application 20. Payment application 20 may display payment completion screen SC4 of Fig. 14 on display unit 220 of user terminal device 200 instead of payment completion screen SC1 of Fig. 10, payment completion screen SC2 of Fig. 12, and payment completion screen SC3 of Fig. 13.

[0082] The payment completion screen SC4 displays information about the store where the electronic payment was made and the date and time when the electronic payment was completed. The payment completion screen SC4 also displays multiple areas A26 to A31 and multiple buttons B13 to B16.

[0083] The payment amount is displayed in area A26. In the example shown in Figure 14, the payment amount is displayed as 2,800 yen. In addition, below the payment amount, a message indicating that the payment has been completed is displayed.

[0084] Area A27 displays the breakdown of the payment method for the payment amount. In the example shown in Figure 14, 100 points are displayed as the points used for the electronic payment, and 2,700 yen is displayed as the balance of electronic money used for the electronic payment.

[0085] Area A28 displays the points earned through electronic payment. In the example shown in Figure 14, 280 points are displayed. The number of coupons used to earn the points and the number of campaigns applied are also displayed.

[0086] Area A29 displays information about the stamp card. In the example shown in Figure 14, it displays that the user has acquired two stamps through electronic payment.

[0087] Area A30 displays information about mileage. In the example shown in Fig. 14, it displays that the user has earned 1000 yen worth of mileage through electronic payment.

[0088] Area A31 displays the category of the affiliated store to which the store where the electronic payment was made belongs. In the example shown in Fig. 14, "restaurant" is displayed as the category of the affiliated store to which the store where the electronic payment was made belongs. The category of each affiliated store may be set manually or automatically by AI.

[0089] When the user selects (tap) button B13, sheet SH1 shown in Fig. 11 above is displayed on the payment completion screen SC4. This allows the user to check the points earned by using coupons, points earned by applying for campaigns, etc.

[0090] When the user selects (tap) the button B14, a stamp card details screen (not shown) is displayed. The stamp card details screen displays a stamp card showing the number of stamps acquired.

[0091] When the user selects (tap) button B15, a mileage details screen (not shown) is displayed. The mileage details screen displays information such as the mileage achievement status for each product and the number of points that will be awarded to the user when the mileage is achieved.

[0092] When the user selects (tap) button B16, sheet SH2 is displayed for selecting the category of affiliated store to which the store where the electronic payment was made belongs. Details of sheet SH2 will be described later in Figure 15. By selecting a category from sheet SH2, the user can change the category of affiliated store to which the store where the electronic payment was made belongs.

[0093] 15 is a diagram showing an example of a sheet SH2 displayed on the payment completion screen SC4. An area A32 and a plurality of buttons B17 to B18 are displayed on the sheet SH2.

[0094] Area A32 displays multiple categories. In the example shown in Fig. 14, the following multiple categories are displayed: gourmet, cafes, shopping, supermarkets, home appliances and mobile phones, drugstores and pharmacies, fashion, convenience stores, department stores and shopping centers, massage, hotels and inns, beauty salons and salons, dry cleaning, hospitals and clinics, and entertainment. The user can select one category from these multiple categories. In the example shown in Fig. 15, it is displayed that the "cafe" category has been selected.

[0095] When the user selects (tap) button B17, payment application 20 changes the category of the affiliated store to which the store where the electronic payment was made belongs to the category selected from area A32. In this way, payment application 20 sets the category of the affiliated store to which the store where the electronic payment was made belongs in response to the operation of the user who made the electronic payment. This allows the user to easily change the category of the affiliated store.

[0096] When the user selects (tap) the button B18, the sheet SH2 is closed, and the payment completion screen SC4 shown in FIG.

[0097] Payment application 20 may display statistical information including the payment amount for each category on display unit 220. For example, payment application 20 may display the payment amount for each category in a graph on display unit 220. This allows the user to use the statistical information as a household account book.

[0098] [Another example of the sheet displayed on the payment completion screen] Fig. 16 is a diagram showing an example of sheet SH2. Although sheet SH1 (Fig. 11) is displayed on the payment completion screen SC1, this is not limiting. For example, sheet SH2 shown in Fig. 16 may be displayed on the payment completion screen SC1 instead of sheet SH1 shown in Fig. 11 above. Sheet SH2 displays a plurality of areas A33-A34 and a plurality of buttons B19-B20.

[0099] Area A33 displays information about the campaign applied in the electronic payment. In the example shown in FIG. 16, the name of the applied campaign (Campaign F), the points earned through the campaign (28 points), and the scheduled date on which the earned points will be awarded to the user (September 13, 2024) are displayed. Area A33 also displays an indicator showing the campaign achievement status. By displaying the indicator on sheet SH2, the user can easily understand the campaign achievement status (for example, the degree to which the campaign upper limit has been achieved).

[0100] Area A34 displays information about other campaigns applied in electronic payments. In the example shown in FIG. 16, the name of the campaign for which the conditions were met (Campaign G) and the scheduled date (September 13, 2024) on which the points earned will be awarded to the user are displayed. Area A34 also displays an indicator showing the campaign achievement status. Because the user has met the conditions for Campaign G, the indicator gauge shows its maximum value. By displaying such an indicator on sheet SH2, the user can easily understand the campaigns for which the conditions were met.

[0101] [Widget] FIG. 17 is a diagram showing an example of a widget. A plurality of widgets W1 to W8 may be displayed on the payment completion screen, and the user may switch between widgets by swiping the payment completion screen to scroll. A widget is a card for displaying information to be provided to the user. By selecting (tapping) a widget, the user can execute a function corresponding to the selected widget (for example, charging electronic money, setting up auto-charge, applying for a credit card, etc.).

[0102] As shown in Figure 17, Widget W1 is a widget for displaying the store where the electronic payment was made and the payment amount. Widget W2 is a widget for displaying awarded points, stamp cards, and mileage. Widget W3 is a widget for displaying information about completed payments. Widget W4 is a widget for displaying information about electronic money balances and auto-charges. Widget W5 is a widget for displaying information about credit card applications. Widget W6 is a widget for displaying information suggested to users (e.g., purchasing travel insurance or obtaining coupons). Widget W7 is a widget for displaying the progress of a campaign being run by an electronic payment service provider. Widget W8 is a widget for displaying information about installment payments, receipts, and troubleshoot issues.

[0103] The higher the widget is placed, the higher the priority, and the lower the widget is placed, the lower the priority. Therefore, widget W1 is displayed first on the payment completion screen, but the user can scroll the payment completion screen to display other widgets on the display unit 220 of the user terminal device 200.

[0104] [Fifth example of payment completion screen] Fig. 18 is a diagram showing an example of payment completion screen SC5 of payment application 20. Payment application 20 may display payment completion screen SC5 of Fig. 18 on display unit 220 of user terminal device 200 instead of payment completion screen SC1 of Fig. 10, payment completion screen SC2 of Fig. 12, payment completion screen SC3 of Fig. 13, and payment completion screen SC4 of Fig. 14.

[0105] The payment completion screen SC5 displays widgets W1 and W2. Note that in Figure 18, the widget that is displayed next in priority (usually widget W3) is displayed below widget W2, but this is omitted for ease of understanding.

[0106] Widget W1 displays information about the store where the electronic payment was made, the date and time when the electronic payment was completed, the payment amount, etc. Widget W1 also displays a plurality of buttons B21 to B22.

[0107] Button B21 is a button for selecting "Group Payment." "Group Payment" is a function that allows a group of multiple people to equally divide an electronic money payment or set individual payment amounts. When a user selects (tap) button B21, payment app 20 may display a screen on display 220 of user terminal device 200 for setting a group to pay the payment amount.

[0108] Button B22 is a button for selecting "Install Later." "Install Later" is a function that allows you to pay later in installments using revolving payments. When the user selects (tap) button B22, the payment app 20 may display a screen on the display unit 220 of the user terminal device 200 for inputting the amount to be changed to revolving payments. When payment using "Install Later" is set, the payment app 20 may display a widget on the payment completion screen for displaying the amount to be charged for future credit card payments taking "Install Later" into consideration.

[0109] Widget W2 displays information about the awarded points. In the example shown in Fig. 18, information about the stamp card and mileage is omitted for ease of understanding.

[0110] In addition, the widget W2 displays a message M1 indicating the scheduled date on which points will be awarded to the user. In the example shown in Fig. 18, the message M1 reads "Scheduled to be awarded on May 26th." This allows the user to easily understand the scheduled date on which points will be awarded.

[0111] [Example 6 of payment completion screen] Fig. 19 is a diagram showing an example of payment completion screen SC6 of payment application 20. Payment application 20 may display payment completion screen SC6 of Fig. 19 on display unit 220 of user terminal device 200 instead of payment completion screen SC1 of Fig. 10, payment completion screen SC2 of Fig. 12, payment completion screen SC3 of Fig. 13, payment completion screen SC4 of Fig. 14, and payment completion screen SC5 of Fig. 18.

[0112] On the payment completion screen SC5 in Fig. 18, a message M1 saying "Points will be awarded on May 26th" is displayed on the widget W2. However, if multiple campaigns are applied and there are multiple dates on which points will be awarded, a message M2 shown in Fig. 19 is displayed instead of message M1.

[0113] The payment completion screen SC6 shown in Figure 19 displays a message M2 that reads "Points will be awarded from May 26th." This indicates that the first scheduled date for points to be awarded is May 26th, and that points will be awarded sequentially from this date onwards. This allows the user to easily understand the first scheduled date for points to be awarded.

[0114] In this way, the payment application 20 may display different messages on the widget W2 depending on whether there are multiple scheduled points-granting dates, allowing the user to understand whether the awarded points can be earned all at once or over multiple days.

[0115] When points are awarded to a user, payment application 20 may reflect the awarded points in a point calendar. The point calendar is information that shows the scheduled points award date in a calendar format.

[0116] Fig. 20 is a diagram showing an example of sheet SH3. When the user selects (tap) widget W2 on the payment completion screen SC5 of Fig. 18 or the payment completion screen SC6 of Fig. 19, the payment application 20 causes sheet SH3 to be displayed on the display unit 220 of the user terminal device 200.

[0117] As shown in Figure 20, sheet SH3 displays the points earned by the user (28 points), the breakdown of the points earned (Coupon B: 14 points, Campaign H: 14 points), the stamps earned, and information about mileage.

[0118] Additionally, on sheet SH3, a message M3 indicating a "points calendar" is displayed below the earned points. When the user selects (tap) message M3, payment application 20 displays the points calendar on display unit 220 of user terminal device 200. This allows the user to easily grasp the scheduled date on which points will be awarded.

[0119] [Example 7 of payment completion screen] Fig. 21 is a diagram showing an example of payment completion screen SC7 of payment application 20. Payment application 20 may display payment completion screen SC7 of Fig. 21 on display unit 220 of user terminal device 200 instead of payment completion screen SC1 of Fig. 10, payment completion screen SC2 of Fig. 12, payment completion screen SC3 of Fig. 13, payment completion screen SC4 of Fig. 14, payment completion screen SC5 of Fig. 18, and payment completion screen SC6 of Fig. 19.

[0120] Normally, Widget W3 (FIG. 17), which has the next highest priority, is displayed below Widget W2, but in the example shown in FIG. 21, Widget W4 is displayed below Widget W2. Widget W4 is a widget for displaying information about electronic money balances and auto-charge. By selecting (tapping) Widget W4, users can charge electronic money or set up auto-charge.

[0121] For example, if the user's electronic money balance is below a threshold and auto-charge is not set, the payment application 20 displays Widget W4 before Widget W3. In this case, Widget W4 is displayed below Widget W2. Furthermore, to encourage the user to charge their electronic money balance, the payment application 20 displays a message M4 saying "Prevent shortage" next to the words "Electronic Money Balance" in Widget W4. This allows the user to easily understand that their electronic money balance is low and that they need to charge their electronic money.

[0122] [Example 8 of payment completion screen] Fig. 22 is a diagram showing an example of payment completion screen SC8 of payment application 20. Payment application 20 may display payment completion screen SC8 of Fig. 22 on display unit 220 of user terminal device 200 instead of payment completion screen SC1 of Fig. 10, payment completion screen SC2 of Fig. 12, payment completion screen SC3 of Fig. 13, payment completion screen SC4 of Fig. 14, payment completion screen SC5 of Fig. 18, payment completion screen SC6 of Fig. 19, and payment completion screen SC7 of Fig. 21.

[0123] For example, if the user's electronic money balance is equal to or greater than a threshold and auto-charge is not set, the payment application 20 displays Widget W4 before Widget W3. In this case, Widget W4 is displayed below Widget W2. Furthermore, to encourage the user to set up auto-charge, the payment application 20 displays a message M5 that reads "Recommended" next to the text "Set up auto-charge" in Widget W4. This allows the user to easily notice that they are being prompted to set up auto-charge.

[0124] If the user has enabled auto-charge, payment application 20 may choose not to display widget W4 on payment completion screens SC7 (FIG. 21) and SC8 (FIG. 22). This is because enabling auto-charge reduces the likelihood of a situation where the electronic money balance is insufficient. This prevents widgets that are unnecessary for the user from being displayed.

[0125] Furthermore, payment app 20 may display a specific widget on the payment completion screen when specific conditions are met. For example, if no bank account that can be used to deposit funds into the electronic payment service is registered in user information 172 (FIG. 5), a widget that prompts the user to register a bank account may be displayed on the payment completion screen. When the user selects (tap) this widget, payment app 20 may display a bank account registration screen on display unit 220 of user terminal device 200. This allows the user to easily register a bank account that can be used to deposit funds into the electronic payment service.

[0126] According to the embodiment described above, payment application 20 causes user terminal device 200, which can communicate with payment server 100 that provides electronic payment services via a network, to send payment information including the payment amount of the electronic payment to payment server 100, receive a payment completion notice from payment server 100 indicating that the electronic payment has been completed, and, in response to the payment completion notice, display on display unit 220 of user terminal device 200 a payment completion screen including at least one of a breakdown of the payment method for the payment amount (e.g., a breakdown of points and electronic money balance), benefits used for the electronic payment (e.g., coupons), benefits applied to the electronic payment (e.g., campaigns), and suggested information corresponding to the electronic payment (e.g., suggestions for available services). This allows the user to check details of the electronic payment from the payment completion screen.

[0127] Specifically, the payment application 20 of this embodiment can provide the following effects. (1) Verification of transaction details Users can grasp the details of the transaction at a glance. (2) Seamless management of transaction details Users can easily complete transactions, split payments, and more. (3) Streamlined purchasing management Users can improve purchasing control by tracking spending and effectively managing their budgets. (4) Maximizing savings and purchasing power Users can receive information (such as discounts, promotions, and service recommendations) that is customized to their spending habits and interests.

[0128] While examples of suggestion information have been described above, such as information suggesting the use of an airport lounge and information suggesting checking information about travel insurance, the information is not limited to these. For example, the suggestion information may be information suggesting that a user who has made an electronic payment top up their electronic money if their electronic money balance is less than a predetermined amount. This can encourage the user to top up their electronic money, thereby preventing the user from being unable to make an electronic payment due to an insufficient electronic money balance.

[0129] Furthermore, the suggestion information may be information that suggests registering a specific credit card when the balance of the electronic money of the user who has made an electronic payment is less than a predetermined amount. This allows for credit card payments, thereby preventing the inability to make an electronic payment due to an insufficient balance of electronic money.

[0130] The proposed information may also be information for proposing group payment for paying the electronic payment amount in a group of multiple people when the payment amount of the electronic payment is greater than a predetermined amount, thereby informing the user of a way to reduce the payment amount per person even when the payment amount is high.

[0131] 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]

[0132] 20. Payment App 100 Payment Server 110 Communications Department 120 Payment Contents Department 130 Payment processing unit 140 Information Management Department 170 Storage section 172 User information 174 Payment Content Information 176 Affiliated Stores / Store Information 178 Coupon Information 179 Campaign Information 200 User terminal device 210 Communications Department 220 Display section 230 Input section 240 Control Unit 250 Storage section 252 User information

Claims

1. A terminal device that can communicate with a payment server that provides electronic payment services via a network, Sending payment information including the payment amount of the electronic payment to the payment server; receiving a payment completion notice from the payment server indicating that the electronic payment has been completed; In response to the payment completion notice, displaying on the display unit of the terminal device a payment completion screen including at least one of a breakdown of the payment method for the payment amount, a benefit used for the electronic payment, a benefit applied to the electronic payment, and suggested information corresponding to the electronic payment. Application program.

2. The breakdown of the payment method of the payment amount includes a breakdown of the points used for the electronic payment and the balance of electronic money.

2. The application program according to claim 1.

3. The benefit used for the electronic payment is a coupon that, when used in the electronic payment, gives points to the user who made the electronic payment.

2. The application program according to claim 1.

4. displaying, on the payment completion screen, information about the coupon that could not be used in the current electronic payment but can be used on another occasion, on the terminal device; 4. The application program according to claim 3.

5. The benefit applied to the electronic payment is a campaign in which points are awarded to a user who makes the electronic payment if a predetermined condition is met in the electronic payment.

2. The application program according to claim 1.

6. displaying, on the terminal device, information about a campaign in which the acquired points have reached an upper limit, on the payment completion screen; 6. The application program according to claim 5.

7. causing the terminal device to display an indicator showing the progress of the campaign on the payment completion screen; 7. The application program according to claim 6.

8. displaying, on the payment completion screen, information about a campaign that could not be applied to the current electronic payment but may be applied on another occasion, on the terminal device; 6. The application program according to claim 5.

9. The suggestion information is information for suggesting charging of the electronic money when the balance of the electronic money of the user who has made the electronic payment is less than a predetermined amount.

2. The application program according to claim 1.

10. The suggestion information is information for suggesting the registration of a specific credit card when the balance of electronic money of the user who has made the electronic payment is less than a predetermined amount.

2. The application program according to claim 1.

11. The suggestion information is information for suggesting the use of a specific credit card that will give a higher point award rate to the user who has made the electronic payment.

2. The application program according to claim 1.

12. the suggestion information is information for suggesting use of a lounge in the airport when the electronic payment is made at a store in the airport; 2. The application program according to claim 1.

13. the suggestion information is information for suggesting that the customer check information about travel insurance when the electronic payment is made at a store in the airport; 2. The application program according to claim 1.

14. causing the terminal device to set a category of the affiliated store to which the store where the electronic payment is made belongs, in response to an operation by the user who has made the electronic payment; 2. The application program according to claim 1.

15. causing the terminal device to display statistical information including the payment amount for each of the categories on the display unit; 15. The application program according to claim 14.

16. a payment server that provides electronic payment services; an application program installed in a terminal device capable of communicating with the payment server via a network; A payment system comprising: The application program is installed on the terminal device. Sending payment information including the payment amount of the electronic payment to the payment server; receiving a payment completion notice from the payment server indicating that the electronic payment has been completed; In response to the payment completion notice, display a payment completion screen on a display unit of the terminal device, the screen including at least one of a breakdown of the payment method of the payment amount, a benefit used for the electronic payment, a benefit applied to the electronic payment, and suggested information corresponding to the electronic payment; The payment server performing the electronic payment based on the payment information received from the terminal device; transmitting the payment completion notice to the terminal device in response to the completion of the electronic payment; Payment system.

17. A terminal device capable of communicating with a payment server that provides electronic payment services via a network, Transmitting payment information including the payment amount of the electronic payment to the payment server; receiving a payment completion notice from the payment server indicating that the electronic payment has been completed; In response to the payment completion notice, a payment completion screen including at least one of a breakdown of the payment method for the payment amount, a benefit used for the electronic payment, a benefit applied to the electronic payment, and suggested information corresponding to the electronic payment is displayed on a display unit of the terminal device. A method for controlling a terminal device.

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