Information processing device, information processing method, program, and system

Abstract

To appropriately control the process of granting rewards in accordance with changes in a user's payment information. [Solution] An information processing device comprising: an acquisition unit that acquires payment information regarding payment for a service by a user via an electronic payment service from a service server that provides the service used by the user; a judgment unit that judges whether the acquired payment information satisfies the conditions for granting a benefit provided by the service on the electronic payment service; an output unit that outputs notification information indicating that the conditions for granting the benefit have been met to the service server if it is judged that the acquired payment information satisfies the conditions for granting the benefit; an adjustment unit that adjusts the payment information after a predetermined period of time after payment for the service; and a benefit processing unit that grants the benefit to the user's account for the electronic payment service if it is judged that the adjusted payment information satisfies the conditions for granting the benefit.

Description

[Technical field]

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

[0002] Conventionally, there is known a technique for providing a privilege to an account of a user of an electronic payment service according to electronic payment. For example, Patent Document 1 describes that when a user orders a product through electronic commerce, the user is provided with a first stamp indicating that the order procedure has been completed, and when the user subsequently makes a deposit, a second stamp indicating that the deposit has been completed is provided. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] JP 2019-219962 A Summary of the Invention [Problem to be solved by the invention]

[0004] The technology described in Patent Document 1 is based on the premise that payment information related to a payment made by a user is immutable. However, in real-life online shopping, the inventory status or quality of a product may change between the time of ordering the product and the time of its delivery, and the payment amount may fluctuate depending on the current market price. As a result, the conventional technology may not be able to appropriately control the reward granting process in response to changes in the user's payment information.

[0005] The present invention has been made in consideration of the above circumstances, and one of its objectives is to provide an information processing device, an information processing method, a program, and a system that can appropriately control the reward granting process in accordance with changes in a user's payment information. [Means for solving the problem]

[0006] One aspect of the present invention is an information processing device comprising: an acquisition unit that acquires payment information regarding payment for a service by a user via an electronic payment service from a service server that provides the service used by the user; a judgment unit that determines whether the acquired payment information satisfies the conditions for granting a benefit provided by the service on the electronic payment service; an output unit that outputs notification information indicating that the conditions for granting the benefit have been satisfied to the service server if it is determined that the acquired payment information satisfies the conditions for granting the benefit; an adjustment unit that adjusts the payment information after a predetermined period of time after payment for the service; and a benefit processing unit that grants the benefit to the user's account for the electronic payment service if it is determined that the adjusted payment information satisfies the conditions for granting the benefit. Effect of the Invention

[0007] According to one aspect of the present invention, the reward granting process can be appropriately controlled in response to changes in the user's payment information. [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] 1 is a configuration diagram of a payment server 100 according to a first 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] FIG. 2 is a diagram showing an example of a top screen of a payment application 20. [Figure 8] 13 is a diagram showing an example of the contents of stamp card information 178. FIG. [Figure 9]FIG. 13 is a diagram showing an example of a stamp giving screen on which a stamp is given through electronic payment at a physical store. [Figure 10] FIG. 13 is a diagram showing an example of a stamp completion screen in which stamps on a stamp card are completed by electronic payment at a physical store. [Figure 11] FIG. 13 is a diagram showing an example of a scene in which a user makes a payment via an electronic payment service on an external service. [Figure 12] FIG. 13 is a diagram showing an example of a stamp giving screen on which a stamp is given through electronic payment in online shopping. [Figure 13] FIG. 13 is a diagram showing an example of a stamp completion screen in which stamps on a stamp card are completed by electronic payment in online shopping. [Figure 14] FIG. 13 is a diagram for explaining the adjustment process of payment information executed by the adjustment unit 148. [Figure 15] 13 is a diagram showing an example of a transition of a screen output by the output unit 146 when the payment amount is adjusted by the adjustment unit 148. FIG. [Figure 16] FIG. 13 is a diagram showing the flow of a first stamp complete payment pattern. [Figure 17] FIG. 13 is a diagram showing the flow of a second stamp complete payment pattern. [Figure 18] FIG. 13 is a diagram showing the flow of the third stamp complete payment pattern. [Figure 19] 2 is a sequence diagram showing an example of a flow of processing executed by a user terminal device 10, a payment server 100, and a service server 200 in cooperation with each other. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0009] Hereinafter, with reference to the drawings, an embodiment of an information processing device, an information processing method, a program, and a system of the present invention will be described. Various devices for providing services to users and performing internal analysis, such as a "server", a "management device", and an "information providing device" that will be described below, may be realized by a group of distributed devices, and each device may be operated by a different business operator. Furthermore, the owner of the hardware of the device (the provider of the cloud server) and the business that actually operates the device may also be different. An application program and a payment server work together to provide an electronic payment service. In the following description, the application program is referred to as a payment application. An electronic payment service is a service that supports payments related to the purchase of goods and services at a store. A 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. A virtual store may include a store provided by an entity different from the operator of the electronic payment service. In that case, when making a payment for shopping at a virtual store, the screen is controlled to transition to an 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 mainly performed between the user and the affiliated store. Alternatively, processing such as payment may be carried out 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 200 via a network NW. The network NW includes, for example, the Internet, a LAN (Local Area Network), a wireless base station, a provider device, and the like.

[0011] 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] 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, 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] 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] The service server 200 provides a service operated by an operating entity different from the electronic payment service. In this embodiment, the service server 200 provides an online shopping service for books on an online shopping site. As described below, a user of the electronic payment service inputs user information (e.g., account ID and password) of the electronic payment service on the online shopping site, and the service server 200 queries the payment server 100 for the input user information. The payment server 100 authenticates the user information and transmits information indicating that the queried user information is valid to the service server 200. This allows the user to use the electronic payment service to make a payment on the online shopping site.

[0016] 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.

[0017] 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.

[0018] 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).

[0019] 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.

[0020] [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 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. Information management unit 140 further includes acquisition unit 142, determination unit 144, output unit 146, adjustment unit 148, and bonus processing unit 150, but details of these functional units will be described later. Information management unit 140 is an example of an "information processing device" in the claims.

[0021] 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, payment content information 174, affiliated store / shop information 176, and stamp card information 178.

[0022] 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.

[0023] 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 10. The payment content providing unit 120 appropriately reads necessary content from the payment content information 174 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.

[0024] 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.

[0025] 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 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, payment history information, owned points, a participating stamp card, and a number of stamps, which are associated with the 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.

[0026] 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 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 increasing the charge balance by transferring funds to the electronic payment service in advance. The payment history information is information that shows 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.). Details of owned points, participating stamp cards, and number of stamps will be provided later.

[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 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.

[0028] The information management unit 140 manages user information 172, affiliated store / store information 176, and stamp card information 178 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, edits, deletes, etc. for the user information 172, affiliated store / store information 176, and stamp card information 178.

[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] [Top page] FIG. 7 is a diagram showing an example of the top screen of the payment application 20. A code image CI is displayed on the top screen. The code image CI includes, for example, a barcode and a QR code. A changeover switch SW is displayed next to the code image CI for switching between making electronic payment using the charge balance and making electronic payment using credit. The "switch" and "button" are GUIs (Graphical User Interfaces) realized in cooperation with a touch panel. In FIG. 7, "credit" is displayed, which means that electronic payment using credit is set. For example, a user can switch between making electronic payment using the charge balance and making electronic payment using credit by swiping the changeover switch SW. The top screen also includes an operation area OA, a transition button TB1, and a transition button TB2. The operation area OA is provided with buttons for instructing major operations in electronic payment, such as a button for instructing scanning (starting a user scan), a button for transferring the charge balance to another user, a button for displaying points acquired by the user, and a button for displaying the history of electronic payments performed by the user. When transition button TB1 is operated, the screen transitions to a payment screen that displays the code image used for electronic payment and the available balance. When transition button TB2 is operated, the screen transitions to a screen that displays the available balance for balance payment or credit payment. In Figure 7, electronic payment using the charge balance is set, so when transition button TB2 is operated, the available balance for balance payment is displayed.

[0032] In the lower part of the operation area OA, for example, a group of buttons (switches) M1, M2, ... for activating a mini app are further displayed. A mini app is an app that operates using the payment app 20 as a platform and provides some kind of service. A service provider develops a mini app by referring to a Software Development Kit (SDK), which is a program and technical documents for app development provided by an administrator of the payment app 20. A mini app is an app that operates, for example, when the payment app 20 is activated. For example, when the payment app 20 is installed, a part or all of the mini app may be installed, or a part or all of the mini app may be installed from a service server corresponding to the mini app. For example, when the mini app is activated, a service server (not shown) that provides a service corresponding to the mini app is accessed, and the mini app and the service server work together to provide a service to a user. At this time, the service server may be the payment server 100 itself, or may be an external server different from the payment server 100. As an example, Figure 7 displays a mini-app button M1 that provides a function for viewing information about coupons offered by affiliated stores, and a mini-app button M2 that provides a function for viewing information about stamp cards. However, buttons for launching various types of mini-apps, such as an investment app for managing the charge balance or a payment app for paying public transportation fares, may be displayed.

[0033] For example, when a user clicks button M2 on the top screen of FIG. 7, the payment application 20 transitions to a screen for viewing a stamp card provided by each affiliated store. Here, the stamp card means a privilege in which a value (e.g., a predetermined point) that can be used in an electronic payment service is provided to a user after a predetermined period (e.g., one month) in response to a predetermined number of electronic payments (e.g., five times) that satisfy a predetermined condition set by the affiliated store (e.g., a payment of 500 yen or more). The stamp card is a card in which the number of electronic payments that satisfy the predetermined condition is automatically counted by the payment server 100, and the value is automatically granted to the user in response to the predetermined number of electronic payments being performed. On the other hand, a coupon is a card in which the user performs an acquisition operation on the payment application 20 in advance (e.g., pressing a coupon acquisition button on a dedicated page of the affiliated store) and a value is granted to the user after a predetermined period in response to the user performing an electronic payment that satisfies the application condition.

[0034] When the user performs an electronic payment that satisfies a predetermined condition for the first time, the information management unit 140 stores the identification information of the stamp card as the "participating stamp card" in the user information 172, and stores "1 time" in the corresponding "number of stamps". After that, every time the user performs an electronic payment that satisfies the predetermined condition, the payment server 100 adds 1 to the "number of stamps". After that, when the user performs an electronic payment that satisfies the predetermined condition a predetermined number of times specified in the stamp card, the information management unit 140 determines that the stamp card is complete, and grants the user a benefit specified in the stamp card. For example, when the user acquires points by completing the stamp card, the information management unit 140 stores (adds) the points in the "owned points" in the user information 172, and resets the "participating stamp card" and "number of stamps" in the user information 172 to zero. In Fig. 5, for the sake of simplicity, the user information 172 includes only one combination of "participating stamp card" and "number of stamps", but a user can participate in multiple stamp cards. In that case, the user information 172 may include multiple combinations of "participating stamp card" and "number of stamps", and the storage unit 170 may hold a table for managing combinations of "participating stamp card" and "number of stamps" for each user.

[0035] Thereafter, when the user makes an electronic payment using the electronic payment service, the payment processor 130 preferentially subtracts the owned points from the payment amount, and subtracts the remaining amount from the charge balance or the available deferred payment amount. This allows the user to obtain economic benefits by utilizing the points obtained by completing the stamp card. If the benefit of the stamp card is an electronic ticket, the user presents the electronic ticket at the affiliated store, and the store clerk reads the presented electronic ticket with the first store terminal device 50 and grants the product to the user.

[0036] [Stamp card] In FIG. 8, the stamp card information 178 is, for example, a stamp card ID associated with information such as an affiliated store ID, privilege contents, stamp granting conditions, stamp completion conditions, and expiration date. The affiliated store ID is identification information of the affiliated store that issued the stamp card corresponding to the stamp card ID. When a certain store belonging to the affiliated store issues a stamp card, the stamp card information 178 may store identification information of the store that issued the stamp card. The privilege contents are information indicating the contents of the value granted to the user by completing the stamp card. As described above, the privilege contents may be the granting of points or a ticket for an item that can be redeemed at the affiliated store. The stamp granting conditions are information indicating the conditions regarding the contents of the payment required for one stamp to be granted. The stamp completion conditions are information indicating the number of stamps required to complete the stamps (the number of payments that satisfy the stamp granting conditions required to complete the stamps). The expiration date is information indicating the deadline by which the privilege is granted by completing the stamp card. In other words, the user is granted the value only by completing the stamp card by the expiration date. The stamp completion condition is an example of a "condition for granting a privilege" in the claims.

[0037] [Stamps awarded through electronic payments at brick-and-mortar stores] FIG. 9 is a diagram showing an example of a stamp granting screen in which a stamp is granted by electronic payment at a physical store. FIG. 9 shows, as an example, a case in which the information management unit 140 grants a stamp to a user in response to the user performing electronic payment that satisfies a stamp granting condition at a physical store, and the payment application 20 notifies the user of the granting of the stamp on a payment completion screen. At this time, the payment application 20 displays, as a payment completion screen, an area A1 that displays the payment store, an area A2 that displays the payment amount, and an area A3 that displays information regarding the granting of the stamp. The area A3 includes, for example, information indicating that a stamp has been granted to a stamp card, information indicating the number of stamps acquired by the user (including the current electronic payment) out of the number of stamps required for completion, and a stamp card depicting the number of stamps acquired by the user. This allows a user who has performed an electronic payment at a physical store to visually grasp that a stamp has been granted to him / her by the electronic payment.

[0038] FIG. 10 is a diagram showing an example of a stamp completion screen displayed on the payment application 20 when the stamps on the stamp card are completed. FIG. 10 shows, as an example, a case where the information management unit 140 grants a stamp to a user in response to the user performing an electronic payment that satisfies the stamp granting condition at a physical store, thereby satisfying the stamp completion condition, and the payment application 20 notifies the user of the completion of the stamps on the payment completion screen. At this time, the payment application 20 displays, as the payment completion screen, an area A1 that displays the payment store, an area A2 that displays the payment amount, and an area A4 that displays information regarding the stamp completion. The area A4 includes, for example, information indicating that the stamps on the stamp card are completed, information indicating the contents of the value that is granted by the completion, and a stamp card depicting the number of stamps acquired by the user. This allows a user who has performed an electronic payment at a physical store to visually grasp that the stamps have been completed by the electronic payment.

[0039] [Stamps given via electronic payment in online shopping] FIG. 11 is a diagram showing an example of a scene where a user makes a payment through an electronic payment service on an external service. FIG. 11 shows, as an example, a situation where a user accesses an online shopping site for books provided by the service server 200 using a web browser of the user terminal device 10 and transitions to a purchase screen for the book. The purchase screen includes, for example, an area A5 showing the title and price of the book selected by the user to purchase, a selection area A6 for selecting a payment method, and a purchase button B1. The selection area A6 for the payment method includes, for example, radio buttons for selecting payment by credit card, payment on delivery, and payment by electronic payment service. When a user selects payment by electronic payment service, as described above, the user inputs user information (for example, account ID and password) of the electronic payment service on the online shopping site in advance and enables cooperation between the service server 200 and the electronic payment service. Therefore, as shown in FIG. 11, the service server 200 may obtain the charge balance or available amount for post-payment of the user from the electronic payment service and display it on the purchase screen.

[0040] When the user selects a payment method and presses the purchase button B1, the user terminal device 10 transmits information indicating that the purchase button B1 has been pressed, together with the identification information of the purchased item and the designated payment method to the service server 200. If the designated payment method information indicates credit card or cash on delivery, the service server 200 executes the payment process for the item according to the designated payment method. On the other hand, if the designated payment method information indicates an electronic payment service, the service server 200 transmits information indicating that the payment method is an electronic payment service, together with the payment amount, as payment information to the payment server 100. At this time, the service server 200 also transmits the user's identification information for the electronic payment service (e.g., account ID) to the payment server 100.

[0041] The acquisition unit 142 acquires payment information and user identification information from the service server 200. When the acquisition unit 142 acquires the payment information and user identification information from the service server 200, the payment processing unit 130 judges whether the payment information is valid for the user specified by the user's identification information (for example, whether the payment amount is equal to or less than the charge balance). If the payment processing unit 130 judges that the payment information is valid, it processes the payment based on the payment information (for example, it subtracts the payment amount from the charge balance). At the same time, the judgment unit 144 judges whether the payment information satisfies the stamp granting conditions of the stamp card provided by the operator of the service server 200 as an affiliated store on the electronic payment service. If it is judged that the payment information satisfies the stamp granting conditions of the stamp card, the output unit 146 outputs to the service server 200 the processing result of the electronic payment and notification information indicating that a stamp has been granted to the stamp card of the user. At this time, the notification information includes, for example, information indicating the number of stamps the user has acquired and identification information indicating whether the stamps have been completed.

[0042] When the service server 200 receives the processing result of the electronic payment and the notification information, the service server 200 displays a notification object corresponding to the received notification information on a payment completion screen of the online shopping site. FIG. 12 is a diagram showing an example of a stamp giving screen on which a stamp is given by electronic payment in online shopping. The notification object OB1 shown in FIG. 12 is displayed, for example, when the identification information included in the notification information does not indicate that the stamps have been completed. As shown in FIG. 12, the notification object OB1 includes, for example, information indicating that a stamp has been put on the stamp card, information indicating the number of stamps acquired by the user (including the current electronic payment) among the number of stamps required for completion, a stamp card depicting the number of stamps acquired by the user, and a details button B2 for checking detailed information on the stamp card. More specifically, when the user presses the details button B2 on the screen shown in FIG. 12, the service server 200 starts the payment application 20 of the user terminal device 10 and transitions the screen of the user terminal device 10 to a details screen regarding the details of the stamp card (for example, the conditions for giving the stamp, the contents of the benefit, etc.). This allows a user who has made an electronic payment on an external service different from the electronic payment service to visually understand that a stamp has been given to him or her as a result of the electronic payment.

[0043] Fig. 13 is a diagram showing an example of a stamp completion screen in which stamps on a stamp card are completed by electronic payment in online shopping. The notification object OB2 shown in Fig. 13 is displayed, for example, when the identification information included in the notification information indicates that the stamps have been completed. As shown in Fig. 13, the notification object OB2 includes, for example, information indicating that the stamps on the stamp card have been completed, information indicating the value of the completed stamps, and a stamp card depicting the number of stamps acquired by the user. This allows a user who has made an electronic payment on an external service different from the electronic payment service to visually understand that the stamps have been completed by the electronic payment.

[0044] In this way, when the payment server 100 receives payment information from the service server 200, which uses an electronic payment service as the payment method, the determination unit 144 determines whether the payment information satisfies the stamp granting conditions of the stamp card, and if it is determined that the payment information satisfies the stamp granting conditions of the stamp card, further determines whether the stamps are complete by granting the current stamp. After that, the output unit 146 outputs identification information indicating whether the stamps are complete to the service server 200, and the service server 200 outputs a different display to the user terminal device 10 depending on whether the stamps are complete. In this way, even if the user makes an electronic payment without using a payment app, the user can know whether at least a part of the conditions for granting a privilege are satisfied.

[0045] Furthermore, when payment server 100 and service server 200 cooperate as described above with respect to the granting of stamps, a user can receive and confirm a stamp both when making an electronic payment using payment application 20 and when making an electronic payment on an external service provided by service server 200. Even if a business providing a service provided by service server 200 does not have a physical store, the business can issue a stamp card that can be used in the electronic payment service, and the user can receive and confirm a stamp. This can improve the incentive for users to use electronic payment services.

[0046] [Adjust payment information] Thus, according to this embodiment, when a user makes an electronic payment at a real store using the payment application 20 and when the electronic payment at an online shopping site using a web browser satisfies the stamp granting conditions, the user can obtain a stamp. However, unlike electronic payment at a real store where the purchased product is immediately delivered, at an online shopping site, for example, the inventory status or quality of the product may change between the time of ordering the product and the time of shipping, and the payment amount may fluctuate depending on the current price. Therefore, if a reward for completing the stamps is granted to a user immediately after electronic payment at an online shopping site, there is a risk that the reward will be consumed before cancellation, even though the granted reward should be canceled by canceling the order or changing the payment amount.

[0047] In light of the above circumstances, the adjustment unit 148 receives change information regarding the payment information of the electronic payment from the service server 200 or the administrator terminal device of the service server 200 (e.g., the second store terminal device 70) within a predetermined period T1 (e.g., several days) after the electronic payment at the online shopping site, and adjusts the payment information based on the received change information after the predetermined period T1 has elapsed. Here, adjustment of the payment information includes, for example, an increase or decrease in the payment amount, and a change (reduction) in the quantity of an ordered product or service and cancellation. In the following explanation, as an example, the adjustment of the payment information is assumed to be an adjustment of the payment amount.

[0048] When the payment amount is adjusted by the adjustment unit 148, the payment processing unit 130 executes electronic payment by increasing or decreasing the user's charge balance or available credit payment amount based on the adjusted payment amount. At this time, as described below, if the adjusted payment amount exceeds the original payment amount, the payment processing unit 130 may cause the user terminal device 10 to display inquiry information indicating whether or not to approve the adjustment of the payment amount, and execute payment processing based on the adjusted payment amount depending on the user's approval.

[0049] FIG. 14 is a diagram for explaining the adjustment process of the payment information executed by the adjustment unit 148. FIG. 14 shows the adjustment process executed when the user performs, for example, electronic payment (hereinafter, simply online payment) at the online shopping site shown in FIG. 11. When the user performs online payment, first, the payment processing unit 130 provisionally subtracts the payment amount from the user's charge balance or the credit payment available amount (Preauth; hereinafter, may be simply written as time P). At the same time, the determination unit 144 determines whether the payment information satisfies the stamp giving condition (or stamp completion condition) of the stamp card, and when it is determined that the payment information satisfies the stamp giving condition (or stamp completion condition) of the stamp card, as shown in FIG. 12 or FIG. 13, the output unit 146 causes the user terminal device 10 to display a notification object OB1 (or a notification object OB2) indicating that a stamp has been given (or the stamp card has been completed) via the service server 200.

[0050] Thereafter, over a predetermined period T1, the adjustment unit 148 accepts changes to the payment information from the service server 200 or the administrator terminal device of the service server 200. For example, during the predetermined period T1, a staff member of the affiliated store inputs change information regarding changes to the payment information, for example, to the second store terminal device 70, in response to fluctuations in the stock status and market value of the product or service for which online payment has been made, and transmits the change information to the payment server 100. After the predetermined period T1 has elapsed, the adjustment unit 148 adjusts and finalizes the payment amount based on the change information last received from the affiliated store, and the payment processing unit 130 executes the payment process using the adjusted payment amount (Capture; hereinafter, may be simply referred to as time C).

[0051] At the same time, the determination unit 144 again determines whether the adjusted payment amount satisfies the stamp granting condition (or the stamp completion condition). If it is determined that the adjusted payment amount satisfies the stamp granting condition (or the stamp completion condition), the reward processing unit 150 confirms the granting of the stamp (or the granting of the reward) to the user. After that, at T2 after a predetermined period, the reward processing unit 150 grants the reward to the user's account. On the other hand, if it is determined that the adjusted payment amount does not satisfy the stamp granting condition (or the stamp completion condition), the reward processing unit 150 cancels the granting of the stamp (or the granting of the reward) to the user. By such processing, even in online shopping where the inventory status or quality status of the product changes or the payment amount may fluctuate depending on the current price, the granting process of the reward associated with the completion of the stamp card can be appropriately controlled according to the change in the user's payment information.

[0052] [Confirm changes to payment information] As described above, the adjustment unit 148 accepts changes to the payment information of the electronic payment from the affiliated store within a predetermined period T1 from the electronic payment at the online shopping site. However, for example, when the payment amount is adjusted to be increased, making the electronic payment with the adjusted payment amount without obtaining approval from the user may cause discomfort to the user or may be a cause of trouble. Therefore, in this embodiment, when the adjustment unit 148 adjusts the payment amount to be increased, the output unit 146 causes the user terminal device 10 to display a notification screen requesting approval for the increase in the payment amount, and when the payment processing unit 130 receives approval for the increase in the payment amount from the user, it executes the electronic payment with the adjusted payment amount.

[0053] Fig. 15 is a diagram showing an example of the transition of the screen output by the output unit 146 when the payment amount is adjusted by the adjustment unit 148. The screen in Fig. 15 is displayed, for example, when the user presses "Transaction History" on the top screen shown in Fig. 7. For the sake of simplicity, Fig. 15 shows a screen relating to one transaction, but in reality, the screen shown in Fig. 15 may be displayed for multiple transactions in the chronological order in which the electronic payments were made.

[0054] First, as shown in the left part of FIG. 15, when a user makes an online payment, the output unit 146 outputs display information (for example, "Payment Accepted" in FIG. 15) indicating that the online payment by the user has been accepted to the user terminal device 10. The screen shown in the left part of FIG. 15 represents a screen at a stage when the electronic payment service has accepted the online payment by the user but the predetermined period T1 has not yet elapsed. Thereafter, during the predetermined period T1, the adjustment unit 148 accepts changes to the payment information of the electronic payment from the affiliated store. Here, as an example, it is assumed that the affiliated store has sent change information to the payment server 100 indicating that the payment amount of 1,500 yen will be changed to the payment amount of 2,000 yen.

[0055] Next, as shown in the center of FIG. 15, when a predetermined period T1 has elapsed since the online payment, the adjustment unit 148 finalizes the change information received from the affiliated store. For example, in the case of FIG. 15, the adjustment unit 148 finalizes the change information indicating that the payment amount of 1500 yen is to be changed to the payment amount of 2000 yen. Next, the output unit 146 outputs display information indicating that the payment amount has been changed (for example, "Payment reaccepted" in FIG. 15) and requests the user to approve the change in the payment amount. At this time, the output unit 146 may, for example, also send a push notification to the user terminal device 10 to reliably inform the user that the change in the payment amount has occurred. The user approves the change in the payment amount, for example, by pressing the approval button B3 to approve the change in the payment amount, and the user terminal device 10 sends display information indicating that the user has approved the change in the payment amount to the payment server 100.

[0056] As a result, as shown in the right part of FIG. 15, the adjustment unit 148 confirms the adjusted payment amount as 2000 yen, and the payment processing unit 130 executes the electronic payment using the adjusted payment amount. In this case, the bonus processing unit 150 confirms the granting of a stamp (or the granting of a bonus) to the user. In response to this, the output unit 146 outputs display information (for example, "Payment Completed" in FIG. 15) indicating that the electronic payment using the adjusted payment amount has been completed to the user terminal device 10. At this time, the output unit 146 may output display information indicating the confirmation of the granting of a stamp (or the granting of a bonus) to the user terminal device 10, in addition to the display information indicating the completion of the electronic payment. Through the above process, the user can check the progress of the electronic payment after executing the online payment.

[0057] If the user does not press the approval button B3 for a predetermined period of time on the screen shown in the center of Fig. 15, the payment processing unit 130 cancels the payment. That is, the payment processing unit 130 restores the user's charge balance or available credit payment amount that was temporarily subtracted. At the same time, the reward processing unit 150 cancels the granting of the stamp (or the granting of the reward) to the user.

[0058] [Stamp Complete Payment Pattern] A payment pattern in which a user completes a stamp rally that requires N payments will be described below with reference to Figures 16 to 18. In the following description of Figures 16 to 18, it is assumed that the user has already acquired N-2 stamps through N-2 payments.

[0059] FIG. 16 is a diagram showing the flow of the first payment pattern of stamp completion. In the payment pattern shown in FIG. 16, first, at time P(N-1), the user performs the N-1th electronic payment that satisfies the stamp granting condition. At this time, the output unit 146 outputs and displays stamp imprinting information indicating that the stamp has been granted to the stamp card to the user terminal device 10, similar to the screen shown in FIG. 12. After that, if a predetermined period T1 has passed since the N-1th electronic payment and there is no adjustment of the payment amount or the N-1th electronic payment satisfies the stamp granting condition even after the adjustment of the payment amount, at time C(N-1), the reward processing unit 150 confirms the granting of the stamp to the user.

[0060] Thereafter, at time P(N), the user makes the Nth electronic payment which satisfies the stamp granting conditions. At this time, the output unit 146 outputs and displays stamp completion information indicating that the stamps on the stamp card have been completed to the user terminal device 10, similar to the screen shown in FIG. 13. Thereafter, a predetermined period T1 has passed since the Nth electronic payment, and if there is no adjustment to the payment amount or the Nth electronic payment satisfies the stamp completion conditions even after the adjustment of the payment amount, at time C(N), the reward processing unit 150 confirms that the user has completed the stamps. Thereafter, a predetermined period T2 has passed since the confirmation of stamp completion, and the reward processing unit 150 grants a reward to the user.

[0061] FIG. 17 is a diagram showing the flow of the second payment pattern of stamp completion. In the payment pattern shown in FIG. 17, first, the user performs the N-1th electronic payment that satisfies the stamp granting condition at time P(N-1). At this time, the output unit 146 outputs and displays stamp imprinting information indicating that the stamp has been granted to the stamp card to the user terminal device 10, similar to the screen shown in FIG. 12. After that, the user performs the Nth electronic payment that satisfies the stamp granting condition at time P(N). At this time, the output unit 146 outputs and displays stamp completion information indicating that the stamps on the stamp card have been completed to the user terminal device 10, similar to the screen shown in FIG. 13. That is, the output unit 146 notifies the user of the completion of the stamps even if the Nth electronic payment that satisfies the stamp granting condition is performed before the predetermined period T1 has elapsed since the N-1th electronic payment. This prevents the user from feeling uncomfortable that the stamp completion information is not displayed even though the Nth electronic payment that satisfies the stamp granting condition has been performed.

[0062] Then, if a predetermined period T1 has passed since the N-1th electronic payment, and there is no adjustment to the payment amount, or if the N-1th electronic payment satisfies the stamp granting conditions even after the payment amount has been adjusted, the reward processing unit 150 confirms the granting of a stamp to the user at time C(N-1). Then, if a predetermined period T1 has passed since the Nth electronic payment, and there is no adjustment to the payment amount, or if the Nth electronic payment satisfies the stamp completion conditions even after the payment amount has been adjusted, the reward processing unit 150 confirms the user's stamp completion at time C(N). Then, a predetermined period T2 has passed since the confirmation of stamp completion, and the reward processing unit 150 grants a reward to the user.

[0063] FIG. 18 is a diagram showing the flow of the third payment pattern of stamp completion. In the payment pattern shown in FIG. 18, first, the user performs the N-1th electronic payment that satisfies the stamp granting condition at time P(N-1). At this time, the output unit 146 outputs and displays stamp imprinting information indicating that the stamp has been granted to the stamp card to the user terminal device 10, similar to the screen shown in FIG. 12. After that, the user performs the Nth electronic payment that satisfies the stamp granting condition at time P(N). At this time, the output unit 146 outputs and displays stamp completion information indicating that the stamps on the stamp card have been completed to the user terminal device 10, similar to the screen shown in FIG. 13. After that, if a predetermined period T1 has passed since the Nth electronic payment, and there is no adjustment of the payment amount, or the Nth electronic payment satisfies the stamp completion condition even after the adjustment of the payment amount, at time C(N), the bonus processing unit 150 confirms the stamp completion of the user.

[0064] Here, at the stamp completion confirmation stage at time C(N), the stamp affixing of the N-1th electronic payment has not been confirmed. This is because, in the third stamp completion payment pattern, the predetermined period T1 from Preauth to Capture of the N-1th electronic payment is longer than the predetermined period T1 from Preauth to Capture of the Nth electronic payment. The difference in the length of the predetermined period is due to a delay in the occurrence of Capture for the N-1th electronic payment due to some circumstances. In this case, at time C(N-1), the reward processing unit 150 determines whether there is no adjustment of the payment amount or whether the N-1th electronic payment satisfies the stamp completion condition even after the adjustment of the payment amount, and if there is no adjustment of the payment amount or if the N-1th electronic payment satisfies the stamp granting condition even after the adjustment of the payment amount, the reward processing unit 150 confirms the granting of the stamp to the user at time C(N-1). After that, a predetermined period T2 has passed since the stamp completion was confirmed, and the reward processing unit 150 grants the reward to the user. On the other hand, if the stamp award is not confirmed for the N-1th electronic payment (for example, if the user does not approve the change in the payment amount, if the change reduces the payment amount and the stamp award condition is no longer met, or if the affiliated store cancels the order), the reward processing unit 150 cancels the stamp completion for the Nth electronic payment and cancels the award of the reward. In this case, the output unit 146 outputs notification information indicating that the award of the reward has been canceled to the user terminal device 10 and causes it to be displayed.

[0065] 18, the bonus processing unit 150 confirms stamp completion before time C(N-1), but the present invention is not limited to such a configuration, and the bonus processing unit 150 may wait until the stamp assignment for the N-1th electronic payment is confirmed if the stamp assignment for the N-1th electronic payment has not been confirmed even if a predetermined period T1 has passed since the Nth electronic payment. In this case, the bonus processing unit 150 may confirm the stamp completion for the Nth electronic payment at the time when the stamp assignment for the N-1th electronic payment is confirmed.

[0066] [Processing flow] Next, the flow of processing according to this embodiment will be described with reference to Fig. 19. Fig. 19 is a sequence diagram showing an example of the flow of processing executed by cooperation between the user terminal device 10, the payment server 100, and the service server 200. The processing shown in Fig. 19 represents the processing in the case where the affiliated store changes the payment information after the user makes an online payment, but the payment information satisfies the stamp granting conditions, so that the stamp is ultimately granted to the user (or the stamps are completed).

[0067] First, a user accesses the service server 200 using the user terminal device 10 (S10). In response, the service server 200 provides a service (e.g., an online shopping service) to the user terminal device 10 (S12). Next, the user uses an electronic payment service on the service (e.g., by selecting an electronic payment service as a payment method) (S14).

[0068] Next, the user terminal device 10 transmits notification information to the service server 200, which includes at least the payment amount and the user identification information, and indicates that the electronic payment service will be used (S16). Upon receiving the notification information, the service server 200 transmits notification information to the payment server 100, which includes at least the payment amount and the user identification information, and indicates that the electronic payment service will be used (S18).

[0069] When the payment server 100 receives the notification information, the payment processing unit 130 provisionally executes electronic payment for the user of the electronic payment service identified by the user identification information, and the determination unit 144 executes stamp determination processing to determine whether the payment information satisfies the stamp granting conditions of the stamp card provided by the operator of the service server 200 on the electronic payment service (S20). Next, the output unit 146 outputs the processing result of the electronic payment and (if it is determined that the stamp granting conditions are satisfied) notification information indicating that a stamp has been granted to the stamp card of the user (S22).

[0070] Next, when the service server 200 acquires the electronic payment processing result and the notification information, it generates an object according to the notification information (S24). More specifically, as described above, the service server 200 generates a different object depending on whether the stamps have been completed or not. Next, the service server 200 outputs a payment completion screen including the generated object to the user terminal device 10 for display (S26).

[0071] Next, the service server 200 transmits a change notification of the payment information to the payment server 100 in response to, for example, an operation by the operator of the affiliated store (S28). Next, the output unit 146 outputs the change notification of the payment information to the user terminal device 10 (S30). Next, the user terminal device 10 transmits an approval of the change of the payment information to the payment server 100 in response to an approval operation by the user (S32). Next, the payment processing unit 130 executes the electronic payment using the changed payment information, and the reward processing unit 150 confirms the granting of the stamp (S34). This ends the processing of this sequence diagram.

[0072] In the above embodiment, the case where the benefit to be notified by the service server 200 is a stamp card has been described as an example. However, the present invention is not limited to such a configuration, and the benefit to be notified by the service server 200 may be, for example, a coupon. As described above, a coupon is a value that is given to a user in response to the user performing an acquisition operation on the payment application 20 in advance (for example, pressing a coupon acquisition button on a dedicated page of an affiliated store) and performing an electronic payment that satisfies the application conditions. Therefore, the determination unit 144 may determine whether or not the payment in the external service of the user satisfies the application conditions of the coupon that the user has acquired, and if it is determined that the application conditions of the coupon are satisfied, the service server 200 may cause the user terminal device 10 to display a payment completion screen including an object indicating that the coupon has been applied.

[0073] According to the embodiment described above, payment information regarding the payment of the service by the user via the electronic payment service is obtained from a service server that provides the service used by the user, it is determined whether the obtained payment information satisfies the conditions for granting a benefit provided by the service on the electronic payment service, and if it is determined that the obtained payment information satisfies the conditions for granting the benefit, notification information indicating that the conditions for granting the benefit are satisfied is output to the service server, the payment information is adjusted a predetermined period after the payment for the service, and if it is determined that the adjusted payment information satisfies the conditions for granting the benefit, the benefit is granted to the user's account for the electronic payment service. This makes it possible to appropriately control the process of granting the benefit in response to changes in the user's payment information.

[0074] 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]

[0075] 10 User terminal device 20. Payment App 100 Payment Server 110 Communications Department 120 Payment Contents Provider 130 Payment processing unit 140 Information Management Department 142 Acquisition Department 144 Judgment section 146 Output section 148 Adjustment section 150 Bonus Processing Unit 170 Storage section

Claims

1. an acquisition unit that acquires, from a service server that provides a service used by a user, payment information regarding a payment for the service made by the user via an electronic payment service; a determination unit that determines whether the acquired payment information satisfies a condition for granting a benefit provided by the service on the electronic payment service; an output unit that outputs, when it is determined that the acquired payment information satisfies the condition for granting the benefit, to the service server, notification information indicating that the condition for granting the benefit is satisfied; an adjustment unit that adjusts the payment information after a predetermined period of time from the payment for the service; and a reward processing unit that, when it is determined that the adjusted payment information satisfies the reward granting condition, grants the reward to the user's account of the electronic payment service. Information processing device.

2. The condition for granting the benefit is that a payment that satisfies a predetermined condition is executed a predetermined number of times within a predetermined period of time, The reward is a value that can be used in the electronic payment service being added to the user's account. The information processing device according to claim 1 .

3. the adjustment unit receives, within the predetermined period from the payment for the service, change information regarding the payment information from the service server or an administrator terminal device of the service server, and adjusts the payment information based on the change information. The information processing device according to claim 1 .

4. The change information includes information regarding a change in a payment amount of the payment, The adjustment unit adjusts the payment amount of the payment information, the output unit outputs, when the payment amount is increased by the adjustment, inquiry information to inquire whether or not to approve the change in the payment amount to a user terminal device of the user. The information processing device according to claim 3 .

5. the reward processing unit, when it is determined that the change in the payment amount is approved and that the adjusted payment amount satisfies the reward granting condition, grants the reward to the user's account of the electronic payment service; The information processing device according to claim 4.

6. The condition for granting the benefit is that a payment that satisfies a predetermined condition is executed a predetermined number of times within a predetermined period of time, When the change of the payment amount for the predetermined number of times is approved and the adjusted payment amount is determined to satisfy the condition for granting the benefit, the benefit processing unit grants the benefit to the user's account of the electronic payment service even if the adjustment of the payment amount for the previous payment for the predetermined number of times has not been finalized. The information processing device according to claim 4.

7. The computer Obtaining payment information regarding a payment made by a user for a service through an electronic payment service from a service server that provides the service used by the user; determining whether the acquired payment information satisfies a condition for granting a benefit provided by the service on the electronic payment service; If it is determined that the acquired payment information satisfies the condition for granting the benefit, outputting notification information indicating that the condition for granting the benefit is satisfied to the service server; adjusting the payment information after a predetermined period of time from payment for the service; If it is determined that the adjusted payment information satisfies the conditions for granting the benefit, the benefit is granted to the user's account of the electronic payment service. Information processing methods.

8. On the computer, acquiring payment information regarding a payment made by a user for a service via an electronic payment service from a service server that provides the service used by the user; determining whether the acquired payment information satisfies a condition for granting a benefit provided by the service on the electronic payment service; when it is determined that the acquired payment information satisfies the condition for granting the benefit, outputting notification information indicating that the condition for granting the benefit is satisfied to the service server; Adjusting the payment information after a predetermined period of time for payment of the service; If it is determined that the adjusted payment information satisfies the conditions for granting the benefit, the benefit is granted to the user's account of the electronic payment service. program.

9. A system including a service server that provides a service and a payment server that provides an electronic payment service, The service server transmits payment information regarding the payment for the service by the user via the electronic payment service to the payment server; the payment server determines whether the acquired payment information satisfies the conditions for granting the benefit provided by the service on the electronic payment service, and if it is determined that the acquired payment information satisfies the conditions for granting the benefit, outputs notification information indicating that the conditions for granting the benefit have been satisfied to the service server, adjusts the payment information after a predetermined period of time from the payment for the service, and if it is determined that the adjusted payment information satisfies the conditions for granting the benefit, grants the benefit to the user's account for the electronic payment service; the service server outputs a display including an object corresponding to the output notification information to a user terminal device of the user. system.

Images