Processing server, processing method, and program

Abstract

To further improve convenience for users. [Solution] A payment server that provides an electronic payment service to a user in cooperation with an application program running on the user's terminal device, which classifies the user into a rank according to predetermined criteria based on information indicating the usage status of the electronic payment service and information indicating the usage status of other services different from the electronic payment service that can be used or applied for using the application program, and provides the user's terminal device with a benefit corresponding to the rank to which the user belongs, by referring to correspondence information that matches the rank and benefit.

Description

[Technical field]

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

[0002] Conventionally, an information providing device has been disclosed that includes a payment information acquisition unit that acquires payment information from an electronic payment service that processes payments related to purchases at physical stores, and a benefit provision unit that, based on the payment information, provides a benefit that can be used during a specified period of time at physical stores where electronic payments using the electronic payment service are available to a user terminal device used by a user related to the payment information (see Patent Document 1). [Prior art documents] [Patent documents]

[0003] [Patent Document 1] JP 2023-088782 A Summary of the Invention [Problem to be solved by the invention]

[0004] In the conventional technology, the use of services other than electronic payment services has not been taken into consideration. For example, the provision of benefits to users by using information indicating the usage status of other services other than electronic payment services that can be used or applied for using an application program has not been taken into consideration.

[0005] The present invention has been made in consideration of the above circumstances, and an object of the present invention is to provide a processing server, a processing method, and a program that can improve user convenience. For example, since the usage status of the above-mentioned other services is taken into consideration, the user can enjoy more benefits. [Means for solving the problem]

[0006] One aspect of the present invention is a payment server that provides an electronic payment service to a user in cooperation with an application program running on the user's terminal device, and is a processing server that classifies the user into a rank according to predetermined criteria based on information indicating the usage status of the electronic payment service and information indicating the usage status of other services different from the electronic payment service that can be used or applied for using the application program, and provides the user's terminal device with a benefit corresponding to the rank to which the user belongs, by referring to correspondence information that matches the rank and benefit. Effect of the Invention

[0007] According to one aspect of the present invention, it is possible to provide a processing server, a processing method, and a program that can further improve user convenience. [Brief description of the drawings]

[0008] [Figure 1] FIG. 1 is a diagram showing an example of a configuration for realizing an electronic payment service. [Diagram 2] This is a sequence diagram (part 1) illustrating the general flow of electronic payment. [Diagram 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 embodiment. [Diagram 5] FIG. 13 is a diagram showing an example of the contents of user information 172. [Figure 6] FIG. 13 is a diagram showing an example of the contents of affiliated store / store information 176. [Figure 7] 13 is a diagram showing an example of rank information 173 included in user information 172. FIG. [Figure 8] FIG. 13 is a diagram showing an example of task information 178. [Figure 9] FIG. 13 is a diagram illustrating an example of a task. [Figure 10] FIG. 11 is a diagram for explaining another example of a task. [Figure 11] FIG. 11 is a diagram for explaining another example of a task. [Figure 12] FIG. 11 is a diagram for explaining another example of a task. [Figure 13] FIG. 11 is a diagram for explaining another example of a task. [Figure 14] FIG. 13 is a diagram showing an example of an interface screen provided when a user becomes a super user. [Figure 15] FIG. 13 is a diagram showing another example of an interface screen provided when a user becomes a super user. [Figure 16] FIG. 1 is a sequence diagram (part 1) showing an example of the flow of processing executed by each functional component of an electronic payment service. [Figure 17] FIG. 2 is a sequence diagram (part 2) showing an example of the flow of processing executed by each functional component of the electronic payment service. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0009] Hereinafter, with reference to the drawings, an embodiment of the processing server, the processing method, and the program of the present invention will be described. Various devices for providing services to users and performing internal analysis, such as the "server" that will appear below, may be realized by a group of distributed devices, and the business operators who operate each device may be different. Furthermore, the owner of the hardware of the device (the cloud server provider) and the business operator who actually operates it may also be different. The application program and the payment server work together to provide the electronic payment service. In the following description, the application program is referred to as a payment application. The electronic payment service is a service that supports payments related to the purchase of goods and services at a store. The store is, for example, a physical store (real store) that exists in the real world, but may also include a virtual store for electronic commerce. The virtual store may include one provided by an entity different from the operator of the electronic payment service. In that case, when making a payment for shopping at the virtual store, the screen is controlled to transition to an interface screen of the electronic payment service. In the electronic payment service, the store is treated as belonging to, for example, an affiliated store (brand), and processing such as payment when a purchase is made at the store is mainly performed between the user and the affiliated store. Alternatively, processing such as payment may be performed between the user and the store.

[0010] [Electronic payment service] FIG. 1 is a diagram showing 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 first store terminal devices 50, one or more second store terminal devices 70, and one or more service servers via a network NW. The service servers include, for example, a first service server 200, a second service server 300, a third service server 400, and the like. The network NW includes, for example, the Internet, a LAN (Local Area Network), a wireless base station, a provider device, and the like.

[0011] [User terminal device] The user terminal device 10 is, for example, a portable terminal device such as a smartphone or a 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 reception 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 the user terminal device 10, a processor such as a CPU executes a payment application 20, thereby operating to provide an electronic payment service to a user in cooperation with a payment server 100. The payment application 20 is installed in the user terminal device 10 from, for example, an application store, and controls the camera, communication device, touch panel, etc.

[0012] [First store terminal device] 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] [Second store terminal device] The second store terminal device 70 is used by the operator of the affiliated store. The second store terminal device 70 is a smartphone, a tablet terminal, a personal computer, or the like. An interface 72 for affiliated stores runs on the second store terminal device 70. The interface 72 for affiliated stores may be an app for affiliated stores or a browser. The interface 72 for affiliated stores accepts coupon settings and the like made by 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 a code image displayed by the user terminal device 10 by executing the app for affiliated stores.

[0014] [Payment server] The payment server 100 realizes electronic payment based on payment information received from the user terminal device 10 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 the payment information is sent from the POS device via the affiliated store server to the payment server 100. In the following explanation, no distinction is made between these two and it is assumed that the 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 of electronic payment: pattern 1 and pattern 2.

[0016] In the case of pattern 1 (hereinafter referred to as user scan) shown in FIG. 2, the user terminal device 10 with the payment application 20 activated decodes the store code image 60 by the optical reading function (S1). The store code image 60 includes store URL (Uniform Resource Locator) information. This store URL is an electronic payment service domain to which store-identifying information is added, and is associated with an affiliated store ID, a store ID, etc. in the payment server 100 (described later). The payment application 20 transmits the first payment information including the store URL and the account ID to the payment server 100 (S2). The payment server 100 searches for store information (described later) from the affiliated store ID and the store ID corresponding to the store URL, acquires the affiliated store name and the store name information (S3), and transmits it to the payment application 20 (S4). The user inputs the payment amount into the user terminal device 10 on the screen on which the affiliated store name and the store name are displayed (S5). Then, the user terminal device 10 generates second payment information including at least the payment amount, and transmits it to the payment server 100 (S6). The payment server 100 performs electronic payment based on the received second payment information (S7). The payment server 100 then transmits a payment completion notice (information for displaying a payment completion screen) to the payment application 20 (S8), and the payment application 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 not only the store URL but also information on the payment amount. In this case, the step of the user inputting the payment amount is omitted, and the information on the payment amount is included in the first payment information and transmitted to the payment server 100. Information on the affiliated store name and the store name may be included in the payment completion screen and displayed.

[0017] In the case of pattern 2 (hereinafter referred to as store scan) shown in FIG. 3, when the payment application 20 is started, when a payment operation is performed in the payment application 20, when an automatic update timing (e.g., every minute) occurs, and at other timings, the payment application 20 transmits a request for issuing a one-time code to the payment server 100 (S11). The payment server 100 generates a one-time code (S12) and transmits it to the payment application 20 (S13). The payment application 20 displays a code image such as a QR code or a barcode generated based on the one-time code (S14). The user holds (presents) the display surface of the user terminal device 10 over the first store terminal device 50, and the first store terminal device 50 decodes the code image by an optical reading function and obtains the one-time code, etc. (S15). The first store terminal device 50 then generates payment information including the one-time code, payment amount, affiliated store ID, store ID, etc., and transmits it to the payment server 100 (S16). The payment amount information is acquired in advance by reading a barcode or manually entering it. The payment server 100 identifies the user corresponding to the one-time code based on the received information and performs electronic payment (S17). The payment server 100 then transmits 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, issuance of a one-time code may be omitted in the store scan, 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 embodiment. The payment server 100 includes, for example, a communication unit 110, a content providing unit 120, a payment processing unit 130, an information management unit 140, an information processing unit 150, and a storage unit 170. The components other than the communication unit 110 and the storage unit 170 are realized by, for example, a hardware processor such as a CPU executing a program (software). Some or all of these components may be realized 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 realized by cooperation between software and hardware. The program may be stored in advance in a storage device (storage device having a non-transient storage medium) such as an HDD (Hard Disk Drive) or a flash memory, or may be stored in a removable storage medium (non-transient storage medium) such as a DVD or a CD-ROM, and may be installed in the storage device by mounting the storage medium in a drive device.

[0020] The storage unit 170 is a HDD, a flash memory, a 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, content information 174, affiliated store / shop information 176, and task information 178.

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

[0022] The 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 10. The content providing unit 120 reads out necessary content from the content information 174 as appropriate, and provides it to the user terminal device 10. The user terminal device 10 accepts various inputs by the user while the 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 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 the user information 172. The user information 172 is an example of the registration information of a user. The user information 172 is, for example, a user URL, an account ID, a telephone number, a password, as well as information associated with an email address, a user ID, a name, an address, a date of birth, a registration date, a charge balance, a credit payment setting, a credit payment limit, a credit payment amount used, a credit payment available amount, a payment method setting, a bank account, a credit card number, charge history information, and payment history information. The user URL is used for a remittance process between users. When registering for the electronic payment service, it is necessary to register a telephone number and a password. The account ID is issued to the user by the payment server 100, and the user ID is an ID that can be set by the user at will (does not have to be set). Similarly, the email address, and the name, address, and date of birth are information that can be set by the user at will (does 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 is information indicating the balance of electronic money that is set by a user by transferring money to an account in advance. The means of transfer include transfer from an ATM (Automatic Teller Machine) of a designated company (bank) and transfer from a registered bank account. The credit payment setting is information indicating whether or not the setting for enabling electronic payment by credit payment has been completed, and is set to either "completed" or "not completed." The credit payment limit is the credit payment limit that can be used each month, the credit payment usage amount is the amount of credit payment that has already been used in the current month, and the credit payment available amount is the amount of credit payment that can be used in the current month, which is calculated by subtracting the credit payment usage amount from the credit payment limit. Although only one credit payment limit is shown in the figure, in reality, there is also a daily upper limit, and the lower of these may be set as the credit payment limit. Further details of credit payment will be described later. The payment method setting is setting information indicating whether the user will perform electronic payment using the charge balance or payment by credit payment at that time. The bank account and credit card number are information on a bank account or credit card number (account number, card number) that can be used to deposit funds into an electronic payment service. Charge history information is a history of the user's previous transfers to the electronic payment service to increase the charge balance. Payment history information is information that indicates the details 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] 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 name and sales amount (described above) are associated with an affiliated store ID, 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 location of the store, and payment patterns.

[0027] The information management unit 140 manages user information 172 and affiliated store / store information 176 based on information acquired from the user terminal device 10 and the second store terminal device 70. The information management unit 140 adds new records to, edits, and deletes the user information 172 and affiliated store / store information 176.

[0028] The information processing unit 150 determines the rank of the user. This process will be described in detail later.

[0029] [Electronic payment] When payment information is acquired from the user terminal device 10 or the first store terminal device 50, the payment processing unit 130 refers to the user information 172 to acquire the "payment method setting" of the user. For a user 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. The item value of the affiliated store's sales is not used as electronic money itself, for example, and an amount corresponding to the item value of the sales is transferred to a bank account in a cycle according to an agreement between the affiliated store and the electronic payment service.

[0030] The payment processing unit 130 performs electronic payment for users whose "setting information" is set to "credit card payment" as follows. Credit card payment is a payment method in cooperation with a credit card company, which is a separate entity from the operator of the electronic payment service, and the operator of the electronic payment service acts as a creditor and allows electronic payment that is not dependent on the charge balance within the credit card payment limit. In order to receive the credit card payment service, a credit card provided by the operator of the electronic payment service may be required. The amount used in the credit card payment is settled on the payment date of the following month, for example, by debiting from a bank account, for one month. In this case, the payment processing unit 130 performs provisional payment by adding the payment amount to the credit card payment amount and subtracting the same amount from the available credit card payment amount, and when the closing date comes, it performs processing to debit the payment for the current month on the payment date of the following month as described above, or requests the operator of the credit card company to perform the processing. In addition, if the payment amount exceeds the available credit card payment amount at the time of provisional payment, an error notification is returned to the payment application 20.

[0031] [overview] The payment server 100 provides an electronic payment service to a user in cooperation with an application program (e.g., a payment application 20) running on the user terminal device 10. The payment server 100 classifies users into ranks according to a predetermined criterion based on information indicating the usage status of the electronic payment service and information indicating the usage status of other services different from the electronic payment service that can be used or applied for using the application program. The payment server 100 refers to correspondence information in which ranks and benefits are associated with each other, and provides the user terminal device 10 with a benefit according to the rank to which the user belongs.

[0032] The other services are, for example, services provided by service servers such as the first service server 200, the second service server 300, and the third service server 400. The service servers provide services to users in cooperation with, for example, the payment application 20 or a mini-app running in the payment application 20. The other services are, for example, any service. The other services are, for example, one or more of a banking service, an insurance service, a securities service, a shopping service, and a credit card service.

[0033] The usage status of an electronic payment service is, for example, the degree of use of the electronic payment service. The usage status of an electronic payment service is one or more of the usage status of deposits into the electronic wallet of a user of the electronic payment service, the usage status of deposits made by the user to the electronic wallet of another user different from the user, and the usage status of electronic payments made by a user using the electronic payment service. The deposit status is, for example, the deposit amount, the deposit frequency, the number of deposits, etc. The usage status of electronic payments is, for example, the degree of use of the electronic payment service. The usage status of electronic payments is, for example, the amount of electronic payments in a specified period, the frequency of electronic payments, the number of electronic payments made, etc.

[0034] [Rank information] The payment server 100 classifies users into ranks according to a predetermined criterion based on information indicating the usage status of the electronic payment service and information indicating the usage status of other services. FIG. 7 is a diagram showing an example of rank information 173 included in the user information 172. The rank information 173 is, for example, information in which a user rank, rank points, and accomplished tasks are associated with user identification information (user ID). The user rank is, for example, a rank determined according to rank points. The user rank is, for example, a rank determined by rank points granted according to the usage status of the electronic payment service and the usage status of other services. For example, the higher the usage level of the electronic payment service and the usage level of other services, the higher the rank. An accomplished task is an accomplished task among given tasks described later. For example, when a user accomplishes a given task, the task is registered as an accomplished task. For example, the more tasks accomplished, the higher the rank. For example, rank points are granted according to the accomplished tasks, and the rank is raised according to the granted points. An accomplished task is a task imposed on a user by the payment server 100. The payment server 100 refers to the task information 178 and provides the user with an accomplished task.

[0035] Task Information The payment server 100 provides a task to a user, and classifies the user who has performed the task into a rank to which a privilege under more favorable conditions will be granted when the task is executed by the user. The task is a task that uses another service or a task to apply for another service. The payment server 100 provides a task corresponding to each of a plurality of other services to the user, and classifies the user who has performed the task into a special rank to which a privilege under more favorable conditions will be granted when each of the tasks is executed by the user. The task is a task that uses each of the other services or a task to apply for another service.

[0036] 8 is a diagram showing an example of task information 178. Task information 178 is, for example, information in which one or more tasks are associated with the attributes of a user. The tasks include, for example, one or more services out of a task of using an insurance service that is another service or applying for insurance for an insurance service, a task of using a banking service that is another service, and a task of using a service provided by a securities service that is another service.

[0037] The user attributes are classified based on various information such as the user's gender, age, family structure, usage of electronic payment services, usage of other services, etc. The tasks may be different or the same for each attribute. For example, when a user accomplishes a given task, the user rank increases to a predetermined rank. A user who has reached a predetermined rank (special rank) is called a "super user." For example, the condition for reaching the special rank of a super user may be to accomplish tasks corresponding to multiple different service servers (first service server 200, second service server 300, third service server 400).

[0038] The above-mentioned task information 178 may be a task instructed by a service server. For example, each service server may provide a task to the payment server 100 at a predetermined time interval, and the payment server 100 may register the provided task in the task information 178.

[0039] An example of a task will be described below. The payment server 100 cooperates with the payment application 20 or a mini application to present a task to a user. The payment server 100 may request a service server to present a task to a user. In this case, for example, the service server cooperates with a mini application corresponding to the service server to present a task to a user. The task may be provided to a user at predetermined intervals (weekly), for example, or at a predetermined timing.

[0040] Fig. 9 is a diagram for explaining an example of a task. The payment server 100 presents an interface screen including information on task 1 to the user, and prompts the user to complete the task. Task 1 is for the user to transfer money to another user using an electronic payment service. Task 1 may include conditions for the amount of money to be transferred and the number of times of transfer in addition to the transfer.

[0041] FIG. 10 is a diagram for explaining another example of a task. The payment server 100 presents an interface screen including information on task 2 to the user, and prompts the user to complete the task. Task 2 is for the user to make an electronic payment using an electronic payment service. Task 2 may include conditions on the amount of the electronic payment and the number of times the electronic payment is made, in addition to making an electronic payment. The electronic payment may be an electronic payment using a charge balance using the payment application 20, an electronic payment using a credit card, or an electronic payment using points from an electronic payment service.

[0042] FIG. 11 is a diagram for explaining another example of a task. The payment server 100 presents an interface screen including information on task 3 to the user, and prompts the user to accomplish the task. Task 3 is for the user to purchase insurance from an insurance service provided by a service server. Task 3 may include, in addition to (or instead of) purchasing insurance, obtaining an insurance quote, requesting insurance documents, and the like. The insurance is any insurance, such as car insurance, home insurance, insurance for daily life, and leisure insurance (e.g., ski insurance) as shown in FIG. 12. When the user operates a predetermined area on the interface screen, a mini app is started, or the insurance service server provides information to the user terminal device 10.

[0043] FIG. 13 is a diagram for explaining another example of a task. The payment server 100 presents an interface screen including information on task 4 to the user, and prompts the user to complete the task. Task 4 is for the user to use a bank service provided by a service server. Task 4 may include, for example, opening an account with the bank, depositing a predetermined amount into the account, and taking out a mortgage. When the user operates a predetermined area on the interface screen, a mini app is launched, or the bank's service server provides information to the user terminal device 10.

[0044] In addition to the above tasks, various tasks may be set, such as a task for using a securities service, a task for using a shopping service, and a service for using (applying for) a credit card.

[0045] The payment server 100 acquires information indicating that the task has been accomplished from the corresponding service server, and assigns a flag indicating the accomplishment to the user ID in the user information 172. When the payment server 100 confirms that the set task has been accomplished, it certifies the user as a super user. Figure 14 is a diagram showing an example of an interface screen provided when a user becomes a super user.

[0046] The payment server 100 classifies users into ranks according to the magnitude of the sum of an index indicating the degree of use of the electronic payment service obtained from information indicating the use of the electronic payment service as described above and an index indicating the degree of use obtained from information indicating the use of other services, and provides more favorable benefits to users in the rank in which the user with the larger sum is classified. As shown in FIG. 15, the payment server 100 grants or offers benefits specific to super users to super users. For example, the payment server 100 provides or offers coupons, benefits, discount coupons, specified invitation tickets, etc.

[0047] The above process is expected to, for example, improve the convenience of users, deepen relationships with users through tasks, and further increase the use of each service by users. For example, banking services and insurance services are used. Furthermore, users can receive better services by using services related to electronic payment services starting from electronic payment services. Each user can be guided to users who use electronic payment services or related services more frequently. For example, users can reach the status of super users by completing tasks while having fun in a game-like manner as described above, thereby further improving the entertainment and convenience for users.

[0048] [Sequence diagram (part 1)] When a task is executed, the payment server 100 acquires information indicating that the task has been executed from the service server corresponding to the execution of the task, and determines the rank of the user based on the acquired information. Figure 16 is a sequence diagram (part 1) showing an example of the flow of processing executed by each functional configuration of the electronic payment service. This processing is performed when a user is promoted to a super user.

[0049] First, the payment server 100 identifies a task (S100). Next, the payment server 100 provides the identified task to the payment application 20 (S102). As a result, an interface screen including the above-mentioned task information is provided to the user.

[0050] When the user cooperates with the first service server 200 to execute a task (S104), the first service server 200 executes a service according to the task (S106). Next, the first service server 200 provides the above-mentioned service to the payment application 20 (S108). Next, the first service server 200 notifies the payment server 100 of information indicating that the task has been executed (S110).

[0051] Next, the payment server 100 registers information indicating that the task has been completed in response to the notification in association with the user who completed the task (S112). Next, the payment server 100 adds points to the user according to the completion of the task (S114).

[0052] Even if the task corresponds to the second service server, the payment server 100 executes the same processes as S100-S114 described above (S200-S214). Then, when these processes are executed and the added points reach a predetermined number of points, the payment server 100 promotes the user to a super user.

[0053] As described above, the payment server 100 can appropriately evaluate a user in electronic payment services and related services by determining the rank of the user according to the execution of tasks of a plurality of services.

[0054] [Sequence diagram (part 2)] The settlement server 100 provides information on users with a special rank to other service servers, and obtains information indicating a special rank and a privilege corresponding to the information on the user from the other service servers. The information on the user is, for example, various information on the user, such as the user's attributes and the result of classification based on the user's service usage history. The settlement server 100 provides the user terminal device 10 with a privilege corresponding to the acquired rank and the user's attributes. The privilege provided to a user with a special rank is a privilege with better conditions than the privilege provided to a user who is not in the special rank. The privilege provided to a user with a special rank may be, for example, a privilege of a service different from the service for which the task was completed. This promotes the use of other services. The privilege may be granted without taking into consideration the user's attributes.

[0055] FIG. 17 is a sequence diagram (part 2) showing an example of the flow of processing executed by each functional component of an electronic payment service. This processing is performed after a user is promoted to a superuser. First, when a user is promoted to a superuser, the payment server 100 notifies a service server (e.g., the first service server 200) that the user has been promoted to a superuser (S300). For example, the notification is sent together with a user ID managed by the electronic payment service or the service server.

[0056] Next, the first service server 200 identifies a privilege corresponding to the super user (S302). For example, a privilege corresponding to a predefined super user is identified. Next, the first service server 200 provides information on the identified privilege and information on the user to whom the privilege is to be granted to the payment server 100 (S304).

[0057] Next, the payment server 100 provides information on the specified benefit corresponding to the super user to the user to whom the benefit is to be granted (S306). Next, the payment application 20 causes the display unit of the user terminal device 10 to display the benefit information (S308). As a result, an interface screen such as that shown in FIG. 15 described above is displayed on the display unit.

[0058] As described above, the payment server 100 can provide more suitable benefits to users of special ranks. For example, different benefits of other services are provided to each user, improving the convenience of the users.

[0059] According to the embodiment described above, the payment server 100 classifies users into ranks according to predetermined criteria based on information indicating the usage status of the electronic payment service and information indicating the usage status of other services other than the electronic payment service that can be used or applied for using an application program, and provides the user terminal device 10 with benefits according to the rank to which the user belongs by referring to correspondence information that associates the ranks with benefits, thereby further improving user convenience.

[0060] 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]

[0061] 10 User terminal device 20. Payment App 100 Payment Server 120 Contents Provider 130 Payment processing unit 140 Information Management Department 150 Information Processing Section 200 First Service Server 300 Second Service Server 400 3rd Service Server

Claims

1. A payment server that provides an electronic payment service to a user in cooperation with an application program running on a terminal device of the user, classifying the user into ranks according to predetermined criteria based on information indicating a usage status of the electronic payment service and a status of execution of tasks corresponding to a plurality of other services different from the electronic payment service that can be used or applied for by using the application program; providing a benefit corresponding to the rank to which the user belongs to the terminal device of the user by referring to correspondence information in which the rank and the benefit are associated with each other; Processing server.

2. The task is a task of using each of the other services or a task of subscribing to each of the other services. The processing server of claim 1 .

3. Acquiring execution statuses of the tasks corresponding to the service servers from a plurality of service servers. The processing server of claim 2.

4. A payment server that provides an electronic payment service to a user in cooperation with an application program running on a terminal device of the user, classifying the users into ranks according to predetermined criteria based on information indicating the usage status of the electronic payment service and information indicating the usage status of other services different from the electronic payment service that can be used or applied for by using the application program; providing a benefit corresponding to the rank to which the user belongs to the terminal device of the user by referring to correspondence information in which the rank and the benefit are associated with each other; Providing the user with tasks corresponding to each of a plurality of other services; classifying users who have performed each of the tasks into a special rank to which a more favorable reward is given when the user performs each of the tasks; The task is a task of using each of the other services or a task of subscribing to each of the other services. Processing server.

5. The task is: The other service includes one or more of a task of using an insurance service or applying for insurance for an insurance service, a task of using a banking service as the other service, or a task of using a service provided by a securities service as the other service.

5. The processing server of claim 4.

6. When the task is executed, information indicating that the task has been executed is obtained from a service server corresponding to the execution of the task; determining a rank for the user based on the acquired information; 5. The processing server of claim 4.

7. providing information about the special rank user to the other service server; obtaining information indicating a privilege corresponding to the special rank and information about the user from the other service server; providing a benefit corresponding to the acquired rank and an attribute of the user to a terminal device of the user; The privileges provided to the special rank users are more favorable than the privileges provided to users who are not of the special rank.

5. The processing server of claim 4.

8. The other services include one or more of banking services, insurance services, securities services, shopping services, and credit card services. A processing server according to any one of claims 1 to 7.

9. The usage status of the electronic payment service is one or more of the following usage statuses: a status of deposits to the electronic wallet of the user of the electronic payment service, a status of deposits made by the user to the electronic wallet of another user different from the user, or a usage status of electronic payment made by the user using the electronic payment service. A processing server according to any one of claims 1 to 7.

10. classifying the users into ranks according to the magnitude of the sum of an index indicating the degree of utilization of the electronic payment service obtained from information indicating the utilization status of the electronic payment service and an index indicating the degree of execution obtained from information indicating the execution status of tasks of the other services; providing a privilege with more favorable conditions to a user in a rank into which a user with a larger total amount is classified; A processing server according to any one of claims 1 to 7.

11. The computer Providing electronic payment services to users in cooperation with application programs running on the users' terminal devices; classifying the user into ranks according to predetermined criteria based on information indicating a usage status of the electronic payment service and a status of execution of tasks corresponding to a plurality of other services different from the electronic payment service that can be used or applied for by using the application program; providing a benefit corresponding to the rank to which the user belongs to the terminal device of the user by referring to correspondence information in which the rank and the benefit are associated with each other; Processing methods.

12. On the computer, providing an electronic payment service to a user in cooperation with an application program running on the user's terminal device; classifying the user into ranks according to predetermined criteria based on information indicating the usage status of the electronic payment service and the execution status of tasks corresponding to a plurality of other services different from the electronic payment service that can be used or applied for by using the application program; providing a benefit corresponding to the rank to which the user belongs to the terminal device of the user by referring to correspondence information in which the rank and the benefit are associated with each other; program.

13. The computer Providing electronic payment services to users in cooperation with application programs running on the users' terminal devices; classifying the users into ranks according to predetermined criteria based on information indicating the usage status of the electronic payment service and information indicating the usage status of other services different from the electronic payment service that can be used or applied for by using the application program; providing a benefit corresponding to the rank to which the user belongs to the terminal device of the user by referring to correspondence information in which the rank and the benefit are associated with each other; Providing the user with tasks corresponding to each of a plurality of other services; classifying users who have performed each of the tasks into a special rank to which a more favorable reward is given when the user performs each of the tasks; The task is a task of using each of the other services or a task of subscribing to each of the other services. Processing methods.

14. On the computer, providing an electronic payment service to a user in cooperation with an application program running on the user's terminal device; classifying the users into ranks according to predetermined criteria based on information indicating the usage status of the electronic payment service and information indicating the usage status of other services different from the electronic payment service that can be used or applied for by using the application program; by referring to correspondence information in which the ranks are associated with benefits, causing the terminal device of the user to provide a benefit corresponding to the rank to which the user belongs; Providing the user with tasks corresponding to each of a plurality of other services; classifying users who have performed each of the tasks into a special rank to which a more favorable privilege is given when each of the tasks is performed by a user; The task is a task of using each of the other services or a task of subscribing to each of the other services. program.

Images