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

Abstract

To provide service users with an incentive to follow prescribed procedures. [Solution] The information processing device according to the present application has a payment processing unit, a determination unit, a generation unit, and a provision unit. The payment processing unit executes a payment process related to electronic payment using an identification code. The determination unit determines whether or not a target user who is a party to a payment process completed within a period during which a predetermined campaign is held has completed a predetermined procedure. If it is determined that the target user has completed the predetermined procedure, the generation unit generates a first content for allowing the target user to acquire a predetermined benefit corresponding to the predetermined campaign, and if it is determined that the target user has not completed the predetermined procedure, the generation unit generates a second content for notifying the target user that the predetermined benefit will be available to be acquired on condition that the predetermined procedure is completed. The provision unit provides the first content or the second content to the target user through a payment app.

Description

[Technical field]

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

[0002] Conventionally, there is known an electronic payment service that provides an environment for using electronic payment (also called "code payment") to pay for products or services to be traded using an identification code such as a two-dimensional code. As a technology related to such electronic payment service, a technology has been proposed that restricts the granting of benefits by a granting means when it is confirmed by a confirmation means that personal information has not been registered. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] JP 2020-038479 A Summary of the Invention [Problem to be solved by the invention]

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

[0005] The present application has been made in consideration of the above, and aims to provide an information processing device, an information processing method, and an information processing program that can motivate service users to carry out specified procedures. [Means for solving the problem]

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

[0007] According to one aspect of the embodiment, it is possible to provide an advantage that it is possible to motivate a service user to carry out a predetermined procedure. [Brief description of the drawings]

[0008] [Figure 1] FIG. 1 is a diagram for explaining an overview of information processing according to the embodiment. [Diagram 2] FIG. 2 is a diagram for explaining an overview of privilege-related content according to the embodiment. [Diagram 3] FIG. 3 is a diagram for explaining an overview of privilege-related content according to the embodiment. [Figure 4] FIG. 4 is a diagram illustrating an example of a method for providing information on owned content according to the embodiment. [Diagram 5] FIG. 5 is a diagram showing another example of a method for providing information on owned content according to the embodiment. [Figure 6] FIG. 6 is a diagram illustrating an example of the configuration of an information processing system according to the embodiment. [Figure 7] FIG. 7 is a diagram illustrating an example of the configuration of a payment service providing device according to an embodiment. [Figure 8] FIG. 8 is a diagram showing an overview of user information stored in the user information DB according to the embodiment. [Figure 9] FIG. 9 is a diagram showing an overview of information indicating a procedure status stored in the procedure status information DB according to the embodiment. [Figure 10] FIG. 10 is a diagram showing an overview of information related to privileges stored in the privilege information DB according to the embodiment. [Figure 11] FIG. 11 is a sequence diagram illustrating an example of a processing procedure of information processing executed by the information processing system according to the embodiment. [Figure 12] FIG. 12 is a hardware configuration diagram showing an example of a computer that realizes the functions of the payment service providing device according to the embodiment or the modification. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0009] Hereinafter, the information processing device, the information processing method, and the information processing program according to the present application (hereinafter, referred to as "embodiments") will be described in detail with reference to the drawings. Note that the information processing device, the information processing method, and the information processing program are not limited to the embodiments. In addition, the same components in the following embodiments are given the same reference numerals, and duplicated descriptions will be omitted.

[0010] [Embodiment] [1. Overview of information processing according to the embodiment] An overview of information processing according to an embodiment will be described below with reference to Fig. 1. Fig. 1 is a diagram for explaining an overview of information processing according to an embodiment. The information processing described below is executed by a payment service providing device 100, which is an example of an information processing device according to the present application. The information processing described below is also premised on the fact that code payment using an electronic payment service is carried out during a specified campaign period.

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

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

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

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

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

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

[0017] In addition, the payment service providing device 100 executes a lottery to determine the contents of a predetermined benefit to be acquired by the user U-1, who is a party to the payment process (step S04). Examples of the predetermined benefit include a scratch card that offers a point redemption rate calculated based on the payment amount of the code payment within a preset upper limit, and a payment-linked coupon. Examples of the coupon include a coupon that allows the user U-1 to acquire a predetermined number of points according to the payment amount, a coupon that provides a discount on the price of the transaction object, and a coupon that provides the transaction object free of charge.

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

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

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

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

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

[0023] Furthermore, payment service providing device 100 may generate a second content for notifying user U-1 that a predetermined benefit will be available on condition that the identity verification procedure is completed by a predetermined expiration date that is set in advance. This allows payment service providing device 100 to allow user U-1 to understand the time limit by which the identity verification procedure must be completed in order to obtain the predetermined benefit. In this case, the predetermined expiration date may be set to include a predetermined period after the end of the period during which a predetermined campaign is held. This allows payment service providing device 100 to give user U-1 ample time to complete the identity verification procedure.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

[0040] [2. Payment using terminal device 10] An example of an electronic payment process executed using the terminal device 10 will be described below. In the following explanation, for example, a two-dimensional code (QR code (registered trademark)) placed in a specific store, which indicates store identification information for identifying the specific store, or a two-dimensional code indicating user identification information for identifying a service user (for example, user U-1 shown in FIG. 1), will be described as a code payment. When the terminal device 10 is a smartphone, the code payment executed using the terminal device 10 is also called "smartphone payment."

[0041] The code payment described below can also be applied when any user U uses any terminal device 10 to make a payment at any store. The two-dimensional code indicating the store identification information may be not only a QR code but also a barcode, a specific mark, a number, etc. The two-dimensional code is not limited to being physically formed by a printed matter printed on a medium such as paper, but may be formed by image information displayed on any terminal.

[0042] The following describes the user scan payment, which is a type of code payment that is mainly performed by the user U. The user scan payment is a code payment that is mainly performed by the user U by reading a two-dimensional code installed in a specific store.

[0043] For example, when user U makes a payment for the purchase or use of a transaction object such as various products or services at a specific store, user U starts a payment application pre-installed in terminal device 10 to use code payment. User U can use various functions related to code payment through the payment application.

[0044] Then, user U photographs the two-dimensional code displayed at the specified store via the payment app. In such a case, terminal device 10 displays a screen for inputting the price of the transaction object, and accepts input of the payment amount from user U or a store clerk at the specified store. Furthermore, in accordance with user U's operation, terminal device 10 transmits transaction information including user identification information that identifies user U, store identification information (or information indicated by the store identification information, i.e., information indicating the specified store (e.g., store ID)), and the payment amount to payment service providing device 100 (e.g., see FIG. 1).

[0045] When payment service providing device 100 accepts transaction information from terminal device 10, it transfers electronic money equivalent to the payment amount from the account of user U indicated by the user identification information to the account of a specified store indicated by the store identification information. At this time, payment service providing device 100 may deduct a specified fee to be charged to the specified store from the electronic money equivalent to the payment amount before transferring it to the account of the specified store.

[0046] Then, payment service providing device 100 transmits a notification to terminal device 10 that the transaction has been completed. In such a case, terminal device 10 notifies user U that the electronic money transaction has been completed by displaying a screen or outputting a predetermined sound indicating that the transaction has been completed. Alternatively, payment service providing device 100 may withdraw electronic money equivalent to the payment amount from the account of user U indicated by the user identification information, manage it as sales information of a predetermined store, and transfer cash equivalent to the sales amount to a bank account held by the predetermined store at a predetermined timing. In this case, payment service providing device 100 may notify user U that the electronic money transaction has been completed at the time that electronic money equivalent to the payment amount is withdrawn from user U's account.

[0047] Next, we will explain store scan payment, which is a type of code payment that is mainly performed by a specific store. Store scan payment is a payment mainly performed by the store side when the user U displays a two-dimensional code indicating user identification information on the screen of a payment app and presents it to the store, and the store reads the two-dimensional code presented by the user U with the in-store device 20.

[0048] Specifically, first, the terminal device 10 displays on the screen code information indicating user identification information for identifying the user U. In such a case, the store device 20 reads the user identification information from the code information displayed on the terminal device 10, and transmits to the payment service providing device 100 transaction information including the read user identification information (or information indicated by the user identification information, i.e., information indicating user U (e.g., user ID)), the payment amount, and information identifying the specified store.

[0049] When the payment service providing device 100 accepts the transaction information from the in-store device 20, it transfers electronic money equivalent to the payment amount from the account of user U indicated by the user identification information to an account of the specified store. Then, the payment service providing device 100 transmits a notification that the transaction has been completed to the in-store device 20 or the terminal device 10. The in-store device 20 or the terminal device 10 notifies user U that the electronic money transaction has been completed by outputting a screen or a specified sound indicating that the transaction has been completed.

[0050] Furthermore, payment service providing device 100 may withdraw electronic money equivalent to the payment amount from the account of user U indicated by the user identification information, manage it as sales information of a specified store, and transfer cash equivalent to the sales amount to a bank account held by the specified store at a specified timing. In this case, payment service providing device 100 may notify a store clerk or user U that the electronic money transaction has been completed at the timing when electronic money equivalent to the payment amount is withdrawn from user U's account.

[0051] Furthermore, the payment using the terminal device 10 may not only be a process of transferring electronic money from an account to which the user U has previously charged electronic money to an account of a specific store, but may also be, for example, a payment using a credit card previously registered by the user U. In such a case, for example, the terminal device 10 may transfer electronic money in an amount indicated by the payment amount to the account of the specific store, and may charge the operating company of the user U's credit card for the amount indicated by the payment amount.

[0052] Furthermore, settlement using the terminal device 10 may not only be a process of transferring electronic money from the account of the user U to the account of a specific store, but may also be, for example, a settlement of transferring electronic money from the account of the user U to the account of another user U (i.e., remittance between users). For example, the terminal device 10 used by the remittance source user U reads user identification information identifying the remittance destination user U (for example, user identification information displayed on the terminal device 10 used by the remittance destination user), accepts input of the remittance amount from the user U, and transmits information indicating the read identification information, the remittance amount, and the user identification information identifying the user U to the settlement service providing device 100. In such a case, the settlement service providing device 100 may transfer electronic money in an amount indicated by the remittance amount from the account of the user U to the account of the remittance destination user U, and notify the terminal device 10 or another terminal device 10 used by the remittance destination user U of the fact that the remittance has been completed by outputting a screen or a predetermined sound indicating that the remittance has been completed.

[0053] It should be noted that remittance using terminal device 10 is not limited to the above-mentioned process. For example, remittance using terminal device 10 may be performed by inputting the telephone number of remittee user U and information indicating remittee user U (e.g., user ID) into terminal device 10. To give a specific example, terminal device 10 accepts input of the telephone number or user ID of remittee user U and the remittance amount from user U, and transmits the input telephone number or user ID, the remittance amount, and user identification information identifying user U to payment service providing device 100. Then, payment service providing device 100 transfers electronic money in the amount indicated by the remittance amount from user U's account to the account of user U linked to the transmitted telephone number or user ID.

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

[0055] Furthermore, for example, remittance using terminal device 10 may be performed by providing link information for receiving the remittance amount to the remittance destination user U. To give a specific example, terminal device 10 accepts input of the remittance amount from user U, generates link information for receiving the remittance amount, and provides the link information to another terminal device 10 used by the remittance destination user U by sending an email including the link information or posting information including the link information on an SNS (Social Networking Service). Then, when the remittance destination user U selects the link information and performs a receiving operation, payment service providing device 100 transfers electronic money in an amount indicated by the remittance amount from the account of user U to the account of the remittance destination user U.

[0056] The above-mentioned payment means and payment services are not limited to those for providing a price (settlement of debt) for purchasing a product or providing a service. For example, as described above, the payment means and payment services may have a function related to remittance between accounts held by multiple users U. That is, the above-mentioned payment means and payment services may be services that control the transmission and reception of electronic money between accounts of any owner linked to the owner of electronic money, such as the user U or a store. That is, the payment means and payment services according to the embodiment may be provided in any form as long as they are transaction means and transaction services that execute various controls for realizing the exchange of electronic money (not only various inter-account remittance controls via electronic money, but also controls related to exchanges between electronic money accounts and bank accounts, various claim processes such as installments and processes associated with bonus payments, and various controls related to the exchange of assets including electronic money). In addition, the various controls realized by such transaction means and transaction services may include both control related to settlement and control related to remittance, or only one of them. That is, a "transaction" is a concept that includes not only "settlement" related to electronic money, but also "remittance" of electronic money and various other processes. In other words, payment service providing apparatus 100 may be an information processing apparatus that realizes a transaction means for controlling the exchange of electronic money between any owners.

[0057] [3. System configuration] The following describes the configuration of an information processing system SYS including a payment service providing device 100, which is an example of an information processing device according to the present application. Fig. 6 is a diagram showing an example of the configuration of the information processing system SYS according to the embodiment.

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

[0059] Terminal device 10, in-store device 20, and payment service providing device 100 are connected to network N by wire or wirelessly. Terminal device 10 and payment service providing device 100 can communicate with other devices via network N.

[0060] The network N includes, for example, a wide area network (WAN) such as the Internet, and mobile communication networks such as long term evolution (LTE), 4th generation (4G), and 5th generation (5G: fifth generation mobile communication system).

[0061] Terminal device 10 is connected to network N by short-range wireless communication such as a mobile communication network, Bluetooth (registered trademark), or wireless LAN (Local Area Network), and can communicate with other devices such as payment service providing device 100 through network N.

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

[0063] Furthermore, the terminal device 10 is typically a smartphone, but is not limited to such examples, and may be a notebook PC (Personal Computer), a desktop PC, a tablet PC, a wearable device, etc. Examples of wearable devices include, but are not limited to, smart glasses and smart watches.

[0064] A service user who uses terminal device 10 can use a payment app pre-installed on terminal device 10. The service user operates terminal device 10 to launch the payment app and use various functions installed in the payment app to execute various processes related to electronic payment services, including payment processing related to code payment, in cooperation with payment service providing device 100. For example, terminal device 10 can display various web contents distributed from payment service providing device 100 using functions installed in the payment app. When terminal device 10 receives control information for implementing information display processing from payment service providing device 100, it implements the display processing in accordance with the control information.

[0065] Furthermore, when terminal device 10 receives control information for realizing a predetermined information processing from payment service providing device 100, it realizes the information processing in accordance with the control information. Here, the control information is described in, for example, a script language such as JavaScript (registered trademark), a style sheet language such as CSS (Cascading Style Sheets), a programming language such as Java (registered trademark), or a markup language such as HTML (HyperText Markup Language). Note that a predetermined application distributed from payment service providing device 100 or the like may itself be regarded as control information.

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

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

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

[0069] When in-store device 20 receives control information for implementing predetermined information processing from payment service providing device 100, it implements the information processing in accordance with the control information. Here, the control information is described in, for example, a script language such as JavaScript (registered trademark), a style sheet language such as CSS (Cascading Style Sheets), a programming language such as Java (registered trademark), or a markup language such as HTML (HyperText Markup Language). Note that the predetermined application itself distributed from payment service providing device 100 may be regarded as control information.

[0070] The in-store device 20 can also execute code payment-related processes using various functions included in an application program for a store (hereinafter referred to as the "store app") that is pre-installed in the in-store device 20. The in-store device 20 can, for example, read an identification code displayed on the terminal device 10 and decode the contents of the identification code using the functions included in the store app. The in-store device 20 can also, for example, send a payment request including the contents of the decoded identification code to the payment service providing device 100 using the functions included in the store app.

[0071] Payment service providing device 100 executes various processes related to code payment. Payment service providing device 100 is managed by a payment service operator that operates an electronic payment service that provides each service user with an environment for realizing code payment. When payment service providing device 100 is configured as a server device, it may be realized by a single server device, or may be realized by a cloud system in which multiple server devices and multiple storage devices operate in cooperation with each other.

[0072] Payment service providing device 100 manages, for example, electronic money accounts of providers (e.g., stores) of transaction objects provided to service users, and electronic money accounts (also referred to as "electronic wallets") of service users who receive transaction objects. Payment service providing device 100 can realize code payment by transferring electronic money between accounts in accordance with a payment request from user U accepted through a payment app. Note that electronic money may be, for example, points or currency used independently by various companies, or it may be electronically tradable currency provided by a country, such as Japanese yen or dollars.

[0073] The configuration of the information processing system SYS according to the embodiment is not limited to the example shown in Fig. 6, and may include a store device 20 installed in a store that provides transaction objects such as products and services to users U. The store device 20 is typically a Point of Sales (POS) terminal, but is not limited to this example and may be realized by a smartphone, a notebook PC, a desktop PC, a tablet PC, or the like.

[0074] The in-store device 20 can also manage transaction object information related to the transaction object to be provided to the user U. The in-store device 20 manages identification information unique to the transaction object, which is assigned to the transaction object in order to identify the transaction object, in association with the price of the transaction object.

[0075] The in-store device 20 can also execute code payment-related processes using various functions included in an application program for a store (hereinafter referred to as the "store app") that is pre-installed in the in-store device 20. The in-store device 20 can, for example, read an identification code displayed on the terminal device 10 and decode the contents of the identification code using the functions included in the store app. The in-store device 20 can also, for example, send a payment request including the contents of the decoded identification code to the payment service providing device 100 using the functions included in the store app 20.

[0076] 4. Configuration of payment service providing device 100 An example of the functional configuration of payment service providing device 100 according to an embodiment will be described below with reference to Fig. 7. Fig. 7 is a diagram showing an example of the configuration of payment service providing device 100 according to an embodiment. As shown in Fig. 7, payment service providing device 100 according to an embodiment has a communication unit 110, a storage unit 120, and a control unit 130.

[0077] (Communication unit 110) The communication unit 110 is realized by, for example, a communication module, a NIC (Network Interface Card), etc. The communication unit 110 is connected to a network N by wire or wirelessly, and transmits and receives information to and from other devices such as the terminal device 10 and the in-store device 20.

[0078] (Storage unit 120) The storage unit 120 stores, for example, programs and data used for control and calculation by the control unit 130. The storage unit 120 is realized, for example, by a semiconductor memory element such as a random access memory (RAM) or a flash memory, or a storage device such as a hard disk or an optical disk. As shown in FIG. 7, the storage unit 120 has a user information DB (Data Base) 121, a procedure status information DB 122, and a privilege information DB 123.

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

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

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

[0082] (Procedure status information DB122) The procedure status information DB122 stores information indicating the procedure status of a procedure that is a subject of a lottery among procedures performed by a service user through a payment application. Fig. 9 is a diagram showing an overview of information indicating the procedure status stored in the procedure status information DB122 according to the embodiment. Note that the procedure status information DB122 may be integrated with the above-mentioned user information DB121 and the later-described benefit information DB123.

[0083] 9, the information indicating the procedure status stored in the procedure status information DB 122 has multiple items such as a "user ID" item, an "account registration" item, an "identification" item, etc. These items in the information indicating the procedure status are associated with each other.

[0084] The "User ID" field stores a user ID, which is identification information unique to the service user. The "Account Registration" field stores information indicating whether or not the procedure for registering a bank account, which is mainly used to charge the balance of electronic money, has been completed. The "Identity Verification" field stores information indicating whether or not the procedure for identity verification has been completed. Examples of procedures include identity verification and bank account registration, as well as optional procedures such as credit card registration, setting up regular remittances, and setting up bill payments, which may be set by the payment service provider.

[0085] (Bonus information DB123) The privilege information DB123 stores information about a specific privilege provided to a service user. Fig. 10 is a diagram showing an overview of information about privileges stored in the privilege information DB123 according to the embodiment. The privilege information DB123 may be integrated with the above-mentioned user information DB121 and procedure status information DB122.

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

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

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

[0089] (Control unit 130) The control unit 130 is a controller, and is realized, for example, by a CPU (Central Processing Unit) or MPU (Micro Processing Unit) executing various programs (one example of an "information processing program" in accordance with an embodiment) stored in a memory device within the payment service providing device 100 using the RAM as a working area.

[0090] Furthermore, the control unit 130 may be realized by an integrated circuit such as an application specific integrated circuit (ASIC), a field programmable gate array (FPGA), or a general purpose graphic processing unit (GPGPU).

[0091] As shown in Fig. 7, control unit 130 has payment processing unit 131, determination unit 132, lottery processing unit 133, generation unit 134, and provision unit 135, and each of these units realizes or executes the functions and actions of information processing described below. Note that control unit 130 may have new functional units different from the units shown in Fig. 7 introduced in response to the expansion of various processes executed by payment service providing device 100.

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

[0093] (Judgment unit 132) The determination unit 132 determines whether or not a target service user who is a party to a payment process completed within a predetermined campaign period has completed a predetermined procedure. For example, the determination unit 132 can determine whether or not a target service user has completed a procedure for identity verification by referring to the status of the procedure for identity verification stored in the procedure status information DB 122 using a user ID corresponding to the target service user as a key.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

[0112] [6. Modifications] (6-1. Notification of content activation) In the above embodiment, providing unit 135 of payment service providing apparatus 100 may provide the second content for notifying the target service user that a predetermined benefit will be available on condition that the identity verification procedure is completed, and then, when the target service user completes the identity verification procedure, notify the target service user by a push notification through the payment app that the predetermined benefit is available. This can be expected to have the effect of allowing the target service user to smoothly obtain the predetermined benefit.

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

[0114] (6-3. System configuration, etc.) Furthermore, in the above embodiment, the information processing executed by payment service providing apparatus 100 may be executed, for example, by another information processing device replacing payment service providing apparatus 100. In this case, it is sufficient that the other information processing device replacing payment service providing apparatus 100 has a function for realizing the information processing according to the embodiment.

[0115] In addition, among the processes described in the above embodiments, all or part of the processes described as being performed automatically can be performed manually, and conversely, all or part of the processes described as being performed manually can be performed automatically by a known method. In addition, the information including the processing procedures, specific names, various data and parameters shown in the above documents and drawings can be changed arbitrarily unless otherwise specified. For example, the various information shown in each drawing is not limited to the illustrated information.

[0116] In addition, each component of each device shown in the figure is a functional concept, and does not necessarily have to be physically configured as shown in the figure. In other words, the specific form of distribution and integration of each device is not limited to that shown in the figure, and all or part of them can be functionally or physically distributed and integrated in any unit according to various loads, usage conditions, etc.

[0117] Furthermore, the above-described embodiments can be appropriately combined as long as the processing contents are not contradictory.

[0118] [7. Hardware configuration] Moreover, payment service providing apparatus 100 according to the above-described embodiment or modification is realized, for example, by a computer 1000 having a configuration as shown in Fig. 12. Fig. 12 is a hardware configuration diagram showing an example of a computer that realizes the functions of payment service providing apparatus 100 according to the embodiment or modification.

[0119] The computer 1000 is connected to an output device 1010 and an input device 1020, and has a configuration in which an arithmetic unit 1030, a primary storage device 1040, a secondary storage device 1050, an output IF (Interface) 1060, an input IF 1070, and a network IF 1080 are connected via a bus 1090.

[0120] The arithmetic device 1030 operates based on programs stored in the primary storage device 1040 and the secondary storage device 1050 and programs read from the input device 1020, and executes various processes. The primary storage device 1040 is a memory device, such as a RAM, that temporarily stores data used by the arithmetic device 1030 for various calculations. The secondary storage device 1050 is a storage device in which data used by the arithmetic device 1030 for various calculations and various databases are registered, and is realized by a ROM (Read Only Memory), HDD, flash memory, etc.

[0121] The output IF 1060 is an interface for transmitting information to be output to an output device 1010 that outputs various types of information, such as a monitor or a printer, and is realized by a connector conforming to a standard such as USB (Universal Serial Bus), DVI (Digital Visual Interface), or HDMI (High Definition Multimedia Interface), a registered trademark. The input IF 1070 is an interface for receiving information from various input devices 1020, such as a mouse, keyboard, and scanner, and is realized by a USB, for example.

[0122] The input device 1020 may be a device that reads information from an optical recording medium such as a CD (Compact Disc), a DVD (Digital Versatile Disc), or a PD (Phase change rewritable Disk), a magneto-optical recording medium such as an MO (Magneto-Optical disk), a tape medium, a magnetic recording medium, or a semiconductor memory. The input device 1020 may also be an external storage medium such as a USB memory.

[0123] The network IF 1080 receives data from other devices via the network N and sends it to the arithmetic device 1030, and also transmits data generated by the arithmetic device 1030 to other devices via the network N.

[0124] The arithmetic unit 1030 controls the output device 1010 and the input device 1020 via the output IF 1060 and the input IF 1070. For example, the arithmetic unit 1030 loads a program from the input device 1020 or the secondary storage device 1050 onto the primary storage device 1040 and executes the loaded program.

[0125] For example, when computer 1000 functions as payment service providing apparatus 100 according to an embodiment or modification, arithmetic device 1030 of computer 1000 realizes functions similar to those of control unit 130 by executing a program loaded onto primary storage device 1040. That is, arithmetic device 1030 realizes processing by payment service providing apparatus 100 according to an embodiment or modification in cooperation with a program (e.g., an example of an information processing program) loaded onto primary storage device 1040.

[0126] [8. Effects] As described above, the payment service providing apparatus 100 according to the embodiment includes a payment processing unit 131, a determination unit 132, a generation unit 134, and a provision unit 135. The payment processing unit 131 executes a payment process related to electronic payment using an identification code through a payment application installed in the terminal device 10 used by a user of the electronic payment service. The determination unit 132 determines whether or not a target user (e.g., user U-1 shown in FIG. 1) who is a party to a payment process completed within a period in which a predetermined campaign is held has completed a predetermined procedure. When the determination unit 132 determines that the target user has completed the predetermined procedure, the generation unit 134 generates a first content for allowing the target user to acquire a predetermined benefit corresponding to the predetermined campaign, and when the determination unit 132 determines that the target user has not completed the predetermined procedure, the generation unit 134 generates a second content (e.g., scratch card CNT1-1 shown in FIG. 2) for notifying the target user that the predetermined benefit will be available on the condition that the predetermined procedure is completed. The providing unit 135 provides the first content or the second content generated by the generating unit 134 to the target user through the payment application.

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

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

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

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

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

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

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

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

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

[0136] The above-mentioned effects can be realized by the processing executed by each of the above-mentioned units, or any combination of the processing executed by each unit.

[0137] [9.Others] Although some of the embodiments of the present application have been described in detail above with reference to the drawings, these are merely examples, and the present invention can be embodied in other forms that incorporate various modifications and improvements based on the knowledge of those skilled in the art, including the forms described in the Disclosure of the Invention section.

[0138] Further, the configuration of payment service providing apparatus 100 described above can be flexibly changed, for example, by calling an external platform or the like using an API (Application Programming Interface) or network computing, depending on the function.

[0139] Furthermore, the term "unit" in the claims may be read as "means" or "circuit," etc. For example, a control unit may be read as control means or a control circuit. [Explanation of symbols]

[0140] SYS Information Processing System 10 Terminal Equipment 20 Store equipment 100 Payment service providing device 110 Communications Department 120 Storage section 121 User information DB 122 Procedure Status Information DB 123 Bonus Information DB 130 Control section 131 Payment processing unit 132 Judgment section 133 Lottery Processing Unit 134 Generation part 135 Provision Department

Claims

1. a payment processing unit that executes a payment process related to electronic payment using an identification code through a payment application installed in a terminal device used by a user of the electronic payment service; a determination unit that determines whether or not a target user who is a party to the payment process completed within a predetermined campaign period has completed a predetermined procedure; a generation unit which generates a first content for allowing the target user to acquire a predetermined benefit corresponding to the predetermined campaign when the determination unit determines that the target user has completed the predetermined procedure, and generates a second content for notifying the target user that the predetermined benefit will be available to the target user upon completion of the predetermined procedure when the determination unit determines that the target user has not completed the predetermined procedure; a providing unit that provides the first content or the second content generated by the generating unit to the target user through the payment application; having The first content includes: The content of the predetermined benefit can be displayed in response to an operation of the target user, The second content includes: The scratch card is in a form that does not accept operations by the target user, and the content of the predetermined benefit can be displayed in response to the operation of the target user on the condition that the predetermined procedure is completed.

23. An information processing apparatus comprising:

2. The generation unit is Generate the second content for notifying the target user that the predetermined benefit will be available on condition that the predetermined procedure is completed by a predetermined expiration date that is set in advance.

2. The information processing apparatus according to claim 1,

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

3. The information processing apparatus according to claim 2.

4. The providing unit is providing the target user, via the payment application, with screen information for a procedure for executing the predetermined procedure in response to an operation of the target user on the second content; 2. The information processing apparatus according to claim 1,

5. a storage unit for storing information about content owned by the user in association with identification information for identifying the user; and The providing unit is Providing information about the owned content to the user through the payment application 2. The information processing apparatus according to claim 1,

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

2. The information processing apparatus according to claim 1,

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

7. The information processing apparatus according to claim 6,

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

7. The information processing apparatus according to claim 6,

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

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

23. An information processing method comprising:

11. On the computer, A payment processing procedure for executing a payment process related to electronic payment using an identification code through a payment application installed in a terminal device used by a user of the electronic payment service; a determination step for determining whether or not a target user who is a party to the payment process completed within a period during which a predetermined campaign is held has completed a predetermined procedure; a generation step of generating a first content for allowing the target user to acquire a predetermined benefit corresponding to the predetermined campaign when the determination step determines that the target user has completed the predetermined procedure, and generating a second content for notifying the target user that the predetermined benefit will be available to the target user upon completion of the predetermined procedure when the determination step determines that the target user has not completed the predetermined procedure; a providing step of providing the first content or the second content generated by the generating step to the target user through the payment application; Run the command, The first content includes: The content of the predetermined benefit can be displayed in response to an operation of the target user, The second content includes: The scratch card is in a form that does not accept operations by the target user, and the content of the predetermined benefit can be displayed in response to the operation of the target user on the condition that the predetermined procedure is completed.

2. An information processing program comprising:

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