PROGRAM, INFORMATION PROCESSING METHOD, AND INFORMATION PROCESSING APPARATUS

Abstract

To provide more relevant content to users. [Solution] A computer is caused to obtain information regarding a user's operations regarding an electronic voucher that can be used for electronic payments using an electronic payment service at affiliated stores of the electronic payment service, and in response to the obtained information regarding the operations, the display mode of a screen regarding acquisition of the voucher displayed on a display unit is changed based on whether or not one or both of the condition information indicating the application conditions for issuance of the voucher linked to the voucher, namely, address and / or age, matches with information linked to the user that has been verified by online identity verification.

Description

[Technical field]

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

[0002] 2. Description of the Related Art Conventionally, there has been disclosed a coupon providing device that provides a user with a coupon that can be used in an electronic payment service (see, for example, Patent Document 1). [Prior art documents] [Patent documents]

[0003] [Patent Document 1] JP 2023-93651 A Summary of the Invention [Problem to be solved by the invention]

[0004] In conventional technology, the content provided to the user has not been sufficiently considered.

[0005] The present invention has been made in consideration of the above circumstances, and an object of the present invention is to provide a program, an information processing method, and an information processing device that can provide more appropriate content to a user. [Means for solving the problem]

[0006] One aspect of the present invention involves having a computer obtain information regarding a user's operations regarding an electronic voucher that can be used for electronic payments using an electronic payment service at an affiliated store of an electronic payment service, and, in response to the acquisition of the information regarding the operations, changing the display mode of a screen regarding the acquisition of the voucher displayed on a display unit based on whether or not one or both of the address and age, which are condition information indicating the application conditions for the issuance of the voucher linked to the voucher, match with information linked to the user that has been verified by identity verification online. Effect of the Invention

[0007] According to one aspect of the present invention, it is possible to provide a program, an information processing method, and an information processing device that can provide more appropriate content to a user. [Brief description of the drawings]

[0008] [Figure 1] FIG. 1 is a diagram showing an example of the configuration of an electronic payment system in which an electronic payment service is realized. [Diagram 2] This is a sequence diagram (part 1) illustrating the general flow of electronic payment. [Diagram 3] This is a sequence diagram (part 2) illustrating the general flow of electronic payment. [Figure 4] FIG. 2 is a configuration diagram of a payment server 100. [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 application information 173. [Figure 7] FIG. 13 is a diagram showing an example of the contents of affiliated store / store information 176. [Figure 8] FIG. 13 is a diagram showing an example of the contents of condition information 178. [Figure 9] FIG. 13 is a diagram showing an example of the contents of voucher content information 180. [Figure 10] FIG. 13 is a diagram illustrating an example of an interface screen. [Figure 11] FIG. 11 is a diagram showing another example of an interface screen. [Figure 12] FIG. 11 is a diagram showing another example of an interface screen. [Figure 13] FIG. 11 is a diagram showing another example of an interface screen. [Figure 14] FIG. 11 is a diagram showing another example of an interface screen. [Figure 15] FIG. 11 is a diagram showing another example of an interface screen. [Figure 16] FIG. 11 is a diagram showing another example of an interface screen. [Figure 17] FIG. 11 is a diagram showing another example of an interface screen. [Figure 18] FIG. 11 is a diagram showing another example of an interface screen. [Figure 19] FIG. 11 is a diagram showing another example of an interface screen. [Figure 20] FIG. 11 is a diagram showing another example of an interface screen. [Figure 21] 4 is a sequence diagram showing an example of a flow of processes executed by the user terminal device 10 and the payment server 100. FIG. [Figure 22] 10 is a sequence diagram showing another example of the flow of processes executed by the user terminal device 10 and the payment server 100. FIG. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

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

[0010] [Electronic payment service] Fig. 1 is a diagram showing an example of the configuration of an electronic payment system in which an electronic payment service is realized. The electronic payment service is realized mainly by a payment server 100. The electronic payment system which realizes the electronic payment service includes, 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 the payment server 100. These devices communicate with each other, for example, 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] A part or all of the functional configuration included in the electronic payment system may be distributed in any form among multiple devices, or may be integrated into any device. For example, a part or all of the functional configuration of the payment server 100 may be included in the configuration of the payment application 20, or a part or all of the functional configuration of the payment application 20 may be included in the payment server 100.

[0012] [User terminal device] The user terminal device 10 is, for example, a portable terminal device such as a smartphone or a tablet terminal. The user terminal device 10 is a computer device having at least an optical reading function, a communication function, a display function, an input reception function, and a program execution function. In the following description, components for realizing these functions are referred to as a camera, a communication device, a touch panel, a CPU (Central Processing Unit), etc. In the user terminal device 10, a processor such as a CPU executes a payment application 20, thereby operating to provide an electronic payment service to a user in cooperation with a payment server 100. The payment application 20 is installed in the user terminal device 10 from, for example, an application store, and controls the camera, communication device, touch panel, etc.

[0013] The user terminal device 10 has, for example, a payment app 20 and a voucher app 30 installed. The voucher app 30 is, for example, a mini app included in the payment app 20. When the payment app 20 is downloaded to the user terminal device 10, the mini app included in the payment app 20 is also downloaded to the user terminal device 10. The voucher app 30 cooperates with an API (Application Programming Interface) or a service server provided by the payment server 100 to display content provided by the payment server 100 on the display unit of the user terminal device 10. The voucher app 30 may be omitted, and the payment app 20 may have the functional configuration of the voucher app 30.

[0014] [First store terminal device] The first store terminal device 50 is installed, for example, in a store. The first store terminal device 50 is a computer device having at least a product price acquisition function, an optical reading function, a program execution function, and a communication function. The first store terminal device 50 includes a so-called POS (Point of Sale) device, and the product price acquisition function and the optical reading function may be realized by the POS device. The store code image 60 is placed in the store, and is a code image such as a QR code (registered trademark) printed on a paper or plastic medium. The store code image 60 may be displayed on a display placed in the store (which may be the display of a terminal device such as a smartphone).

[0015] [Second store terminal device] The second store terminal device 70 is used by the operator of the affiliated store. The second store terminal device 70 is a smartphone, a tablet terminal, a personal computer, or the like. An interface 72 for affiliated stores runs on the second store terminal device 70. The interface 72 for affiliated stores may be an app for affiliated stores or a browser. The interface 72 for affiliated stores accepts coupon settings and the like made by the operator of the affiliated store and transmits them to the payment server 100. The second store terminal device 70, which is a smartphone, has the function of displaying a code image corresponding to a store code image and reading a code image displayed by the user terminal device 10 by executing the app for affiliated stores.

[0016] 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.

[0017] 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.

[0018] 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.

[0019] 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).

[0020] 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.

[0021] [Payment server] 4 is a configuration diagram of the payment server 100. The payment server 100 includes, for example, a communication unit 110, a content providing unit 120, a payment processing unit 130, an information management unit 140, an information processing unit 150, and a storage unit 170. The components other than the communication unit 110 and the storage unit 170 are realized by, for example, a hardware processor such as a CPU executing a program (software). Some or all of these components may be realized by hardware (including circuitry) such as an LSI (Large Scale Integration), an ASIC (Application Specific Integrated Circuit), an FPGA (Field-Programmable Gate Array), a GPU (Graphics Processing Unit), or a SOC (System On Chip), or may be realized by cooperation between software and hardware. The program may be stored in advance in a storage device (a storage device with a non-transient storage medium) such as an HDD (Hard Disk Drive) or flash memory, or may be stored in a removable storage medium (non-transient storage medium) such as a DVD or CD-ROM, and installed in the storage device by inserting the storage medium into a drive device. Information management unit 140 is an example of an "acquisition unit." Information processing unit 150 is an example of a "control unit."

[0022] The storage unit 170 is a HDD, a flash memory, a RAM (Random Access Memory), or the like. 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 including application information 173, content information 174, affiliated store / shop information 176, condition information 178, and voucher content information 180. Some of this information may be stored in the storage unit of the user terminal device 10.

[0023] 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.

[0024] The content providing unit 120 has, for example, a function of a Web server, and provides information (content) for displaying various screens of the electronic payment service to the user terminal device 10. The content providing unit 120 reads out necessary content from the content information 174 as appropriate, and provides it to the user terminal device 10. The user terminal device 10 accepts various inputs by the user while the content is being played by the payment application 20, and transmits the above-mentioned payment information and the like to the payment server 100.

[0025] 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.

[0026] 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 post-payment setting, a post-payment limit, a post-payment usage amount, a post-payment available amount, a payment method setting, a bank account, a credit card number, charge history information, payment history information, history information, voucher information, application information 173, eKYC information, and other information associated with the user 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.

[0027] 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 deferred payment setting is information indicating whether or not the setting for enabling electronic payment by deferred payment has been completed, and is set to either "completed" or "not completed." The deferred payment limit is the limit of deferred payment that can be used each month, the deferred payment usage amount is the amount of deferred payment that has already been used in the current month, and the deferred payment available amount is the amount of deferred payment that can be used in the current month, which is calculated by subtracting the deferred payment usage amount from the deferred payment limit. Although only one deferred 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 deferred payment limit. Further details of deferred 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 deferred payment at that time. The bank account and credit card number are information on a bank account or credit card number (account number, card number) that can be used to deposit funds into an electronic payment service. Charge history information is a history of the user's previous transfers to the electronic payment service to increase the charge balance. Payment history information is information that indicates the details of payments made by the user for each payment (date and time, store ID of the store where the purchase was made, payment amount, payment method, etc.).

[0028] The voucher information is, for example, information on the identification information of a voucher held by a user, such as the type of voucher, information on the store where the voucher can be used, and the amount of the voucher. When a user performs an operation to use an electronic voucher on the payment application 20, the payment server 100 performs a process to use the electronic voucher at a target store based on the store information and the voucher information acquired from the first store terminal device 50 or the user terminal device 10. Then, the payment server 100 performs a process to subtract the amount of the payment from the amount of the used voucher in the voucher information.

[0029] The application information is information about a voucher applied for by a user. Fig. 6 is a diagram showing an example of the contents of the application information 173. The application information 173 is information prepared for each user. The application information 173 is information about the voucher applied for by the user, such as the local government issuing the voucher, the number of vouchers applied for, and the status, for example, for the voucher identification information. The status is the status of the applied voucher, such as granted, applied for, waiting for lottery, etc.

[0030] eKYC information (electronic Know Your Customer information) is information obtained by identity verification carried out on a network. eKYC information includes, for example, information such as the user's name and address. eKYC information is, for example, information obtained in an electronic payment service. A user can perform eKYC by using payment application 20 and linking payment application 20 with payment server 100. Application information 173 will be described later.

[0031] 7 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.

[0032] The information management unit 140 manages user information 172 and affiliated store / store information 176 based on information acquired from the user terminal device 10 and the second store terminal device 70. The information management unit 140 adds new records to, edits, and deletes the user information 172 and affiliated store / store information 176.

[0033] [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.

[0034] The payment processing unit 130 performs electronic payment for users whose "setting information" is set to "deferred payment" as follows. Deferred payment is set separately from "credit payment" 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 deferred payment limit. In order to receive the deferred payment service, a credit card provided by the operator of the electronic payment service may be required. The amount used for deferred 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 deferred payment amount and subtracting the same amount from the available deferred 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 such processing. In addition, if the payment amount exceeds the available deferred payment amount at the time of provisional payment, an error notification is returned to the payment application 20.

[0035] The information processing unit 150 provides the information stored in the storage unit 170 to the payment application 20 based on an instruction from the payment application 20. For example, the information processing unit 150 provides the payment application 20 with information associated with the user's identification information based on information for identifying the user transmitted to the payment application 20. The information associated with the user's identification information is, for example, voucher information, application information, eKYC information, etc.

[0036] The information processing unit 150 provides the payment application 20 with information associated with the identification information of the voucher based on the identification information for identifying the voucher transmitted to the payment application 20. The information processing unit 150 provides the payment application 20 with information associated with the identification information of the voucher by referring to the condition information 178.

[0037] FIG. 8 is a diagram showing an example of the contents of the condition information 178. The condition information 178 is, for example, an electronic voucher provided in the electronic payment service by a service provider (for example, a local government) different from the electronic payment service and the affiliated store of the electronic payment service, and is an electronic voucher that can be used in electronic payment using the electronic payment service at the affiliated store of the electronic payment service. The condition information 178 is information in which the local government issuing the voucher and the conditions for acquiring the voucher (for example, address, age, etc.) are associated with the identification information of the voucher. In addition to the above, the condition information 178 may specify the timing at which the voucher is granted, whether eKYC is required (whether identity verification is required), etc. For example, it may specify that the voucher is granted immediately after purchase, that the voucher is granted a predetermined period after purchase, or that the voucher is granted at a preset date and time.

[0038] The information processing unit 150 provides the payment application 20 with information associated with the identification information of the voucher based on the identification information for identifying the voucher transmitted to the payment application 20. The information processing unit 150 provides the payment application 20 with content associated with the identification information of the voucher with reference to the voucher content information 180.

[0039] FIG. 9 is a diagram showing an example of the contents of the voucher content information 180. The voucher content information 180 is, for example, information in which content is associated with the identification information of a voucher. The content is content included in an interface screen provided to a user, and is content such as illustrations and images that evoke an organization (for example, a local government) that provides the voucher. The voucher content information 180 is, for example, information in which the identification information of a voucher and content provided for each interface screen (interface screen and screen area) provided in a voucher application or related processing are specified. For example, when a specific interface screen is provided, the content specified in the voucher content information 180 is inserted into a specific area of ​​the specific interface screen and provided to the user.

[0040] [overview] The payment application 20 (or the voucher application 30) is a program that causes a computer to obtain information regarding a user's operation for issuing an electronic voucher that is provided in the electronic payment service by a service provider other than the electronic payment service and the affiliated store of the electronic payment service and that can be used for electronic payment using the electronic payment service at an affiliated store of the electronic payment service, and controls the information to be displayed on the display unit of the user's terminal device based on information linked to the voucher for which the operation for issuance has been performed and information linked to the user in response to the acquisition of the information regarding the operation.

[0041] The payment application 20 (or the voucher application 30) acquires information related to the operation, including information for identifying the electronic voucher and information for identifying the user, and controls information to be displayed on the display unit of the user terminal device 10 in response to the acquisition of the information related to the operation. The payment application 20 (or the voucher application 30) controls information to be displayed on the display unit of the user terminal device 10 in response to the acquisition of the information related to the operation, based on condition information 178 indicating the application conditions for the issuance of the voucher linked to the voucher for which the operation related to issuance of the voucher has been performed, and information corresponding to the information linked to the user.

[0042] The information associated with the voucher is, for example, condition information 178 and voucher content information 180. The information associated with the user is, for example, user information 172 and application information 173. For example, the condition information associated with the voucher includes, for example, address and age. The information associated with the user includes, for example, eKYC information (address and age).

[0043] When the information linked to the user matches the condition information 178, the payment application 20 (or the voucher application 30) displays an interface screen (such as interface screen IF9 described later) on the display unit to accept an operation to confirm an application to purchase a voucher. For example, the conditions for purchasing a voucher may specify that the address is in a specified municipality and the user is of a specified age. In this case, when the address and age match the conditions, the application is accepted or an interface screen for accepting the application is displayed, but when the conditions are not met, the application is not accepted or the screen for accepting the application is not displayed.

[0044] [Interface screen (1)] 10 is a diagram showing an example of an interface screen IF1 displayed on the display unit of user terminal device 10 in cooperation with payment application 20 and payment server 100. Interface screen IF1 is, for example, content provided in electronic payment services, and includes QR codes (registered trademark) and barcodes used in electronic payments, and information on various electronic payment-related services. Interface screen IF1 includes one or more buttons for launching mini-apps such as voucher application 30.

[0045] When a user operates a button corresponding to the voucher application, the payment application 20 displays an interface screen IF2 corresponding to the operated button on the display unit. Fig. 11 is a diagram showing another example of the interface screen IF2 corresponding to the operation. The interface screen IF2 includes information such as the merits of the voucher (area AR1), application status (area AR2), application conditions (area AR3), and an illustration corresponding to the voucher (area AR4).

[0046] For example, the interface screen IF2 is an interface screen including contents generated based on information linked to the voucher and information linked to the user. For example, the areas AR1 to AR4 are information linked to the voucher. For example, if the user has already applied for the voucher, information indicating that the application has been completed may be displayed, and if the user has already applied, information on the status of the application may be displayed. The information included in the area AR4 is, for example, contents (illustrations) defined in the voucher content information 180. The voucher content information 180 may be stored in a storage unit of the user terminal device 10.

[0047] When button B2 on interface screen IF2 is operated, payment application 20 displays interface screen IF3 on the display unit, as shown in Fig. 12. Interface screen IF3 displays, for example, information on various steps until a voucher is acquired.

[0048] For example, the interface screen IF3 is an interface screen including contents generated based on information associated with the voucher and information associated with the user. For example, if the user has already applied for the voucher, information indicating that the application has been completed may be displayed, and if the user has already applied, information on the status of the application may be displayed. For example, if the user has already performed steps 01 and 02 out of the four steps, the interface screen may display that steps 01 and 02 have been performed.

[0049] When button B3 on interface screen IF3 is operated, payment application 20 causes the display unit to display interface screen IF4 for designating the number of vouchers to be applied for, as shown in FIG.

[0050] For example, interface screen IF4 is an interface screen including content generated based on information associated with the voucher and information associated with the user. For example, the content changes depending on the number of vouchers that can be applied for. For example, if the user has already performed a process to specify the number of vouchers, information indicating that the number has been accepted may be displayed, or interface screen IF4 may be omitted.

[0051] When the number of vouchers to be applied for is specified on interface screen IF4 and an operation is performed to proceed to the next step, payment application 20 causes the display unit to display interface screen IF5, as shown in FIG. 14, which inquires whether or not the customer agrees to the voucher application conditions.

[0052] For example, the interface screen IF5 is an interface screen including content generated based on information associated with the voucher and information associated with the user. For example, an interface screen IF5 including different content is displayed for each type of voucher. For example, if the user has already agreed to the application conditions, information indicating that the user has agreed may be displayed, or the interface screen IF5 may be omitted.

[0053] When an operation to agree is performed, the payment application 20 displays an interface screen IF6 on the display unit inquiring whether or not to proceed to identity verification, as shown in Fig. 15. In this manner, the payment application 20 (voucher application 30) controls the information to be displayed on the display unit based on the information on whether identity verification is required, which is specified in the condition information 178, and the information on whether identity verification has been completed, which is specified in the information linked to the user. Note that the interface screen IF6 may be displayed at any timing.

[0054] For example, the interface screen IF6 is an interface screen including contents generated based on information associated with the voucher and information associated with the user. For example, an interface screen IF6 including different contents is displayed for each type of voucher. For example, if the user has already undergone identity verification, information to that effect may be displayed, or this interface screen IF6 may be omitted.

[0055] When a predetermined operation is performed on interface screen IF6 or another interface screen, payment application 20 displays interface screen IF7 on the display unit, as shown in Fig. 16. Interface screen IF7 includes registered identity verification (eKYC information), information on an email address specified by the user, and the like.

[0056] For example, the interface screen IF7 is an interface screen including content generated based on information associated with the voucher and information associated with the user. For example, the interface screen IF7 including different content is displayed for each type of voucher. For example, the interface screen IF7 includes content according to the user's information.

[0057] After that, the payment server 100 sends a predetermined email to the specified email address. When the user opens a link in the predetermined email, the payment application 20 or the payment server 100 displays an interface screen IF8 on the display unit, as shown in Fig. 17. The interface screen IF8 includes information on identity verification (eKYC information) and the uploaded identity verification documents.

[0058] For example, the interface screen IF8 is an interface screen including content generated based on information associated with the voucher and information associated with the user. For example, an interface screen including different content is displayed for each type of voucher. For example, the interface screen IF8 includes content according to the user's information.

[0059] When the user checks the content and performs a predetermined operation, the payment application 20 causes the display unit to display an interface screen IF9, as shown in Fig. 18. The interface screen IF9 is information indicating that the application to purchase the voucher has been completed. After that, if a lottery for purchasing the voucher has been held, the payment application 20 notifies the user of information indicating that the lottery has been held, and causes the display unit to display an interface screen including the result of the lottery.

[0060] For example, the interface screen IF9 is an interface screen including content generated based on information associated with the voucher and information associated with the user. For example, an interface screen including different content is displayed for each type of voucher. For example, the interface screen IF9 includes content according to the user's information. For example, the interface screen IF9 includes the status of the user's voucher application.

[0061] Furthermore, the payment application 20 causes the display unit of the user terminal device 10 of the selected user to display an interface screen IF10 for purchasing a voucher, as shown in Fig. 19. The interface screen IF10 is, for example, an interface screen for the user to select a payment method to be used for purchasing the voucher and to make payment for the purchase of the voucher.

[0062] In this way, the condition information 178 specifies that the authority to grant the voucher to the user who applied for it if the user wins the lottery is given. When the winning is carried out and it is determined that the user has won based on the information corresponding to the condition information 178, the payment application 20 displays the interface screen IF10 on the display unit. The interface screen IF10 may include the number of winnings and the value of the voucher. The interface screen IF10 may include information indicating the amount required to purchase the voucher based on the number of winnings and the value of the voucher.

[0063] For example, the interface screen IF10 is an interface screen including content generated based on information associated with the voucher and information associated with the user. For example, an interface screen including different content is displayed for each type of voucher. For example, the interface screen IF10 includes content according to user information. For example, the interface screen IF10 includes information such as the user's charge balance and the preferred payment method set by the user.

[0064] When the payment application 20 (or the voucher application 30) recognizes information indicating that the user has purchased a voucher in the information linked to the user, the payment application 20 (or the voucher application 30) may specify the voucher grant timing in the condition information 178 and display information indicating that the voucher will be granted at the specified grant timing on the display unit. When the grant timing is immediately after purchase in the condition information 178, the payment application 20 (or the voucher application 30) may display information indicating that the voucher will be granted immediately after purchase on the display unit, and when the grant timing is after a preset period has elapsed from the purchase or at a preset time in the condition information, the payment application 20 (or the voucher application 30) may display information indicating that the voucher will be granted after a preset period has elapsed or at the above-mentioned time on the display unit. As shown in the interface screen IF11 in FIG. 20, when the purchase is completed, information indicating the date and time of grant linked to the voucher may be provided to the user.

[0065] As described above, the payment server 100 can improve convenience for the user by controlling the information to be displayed on the display unit of the user terminal device 10 based on the information associated with the voucher for which the issuance operation has been performed and the information associated with the user in response to obtaining information regarding the operation.

[0066] [Sequence] 21 is a sequence diagram showing an example of the flow of processing executed by the user terminal device 10 and the payment server 100. When the user terminal device 10 accepts a predetermined operation by the user (S100), it transmits the user identification information and the voucher identification information to the payment server 100 (S102).

[0067] Next, the payment server 100 identifies the voucher based on the voucher identification information and acquires information corresponding to the identified voucher (S104). Next, the payment server 100 identifies the user based on the user identification information and acquires information corresponding to the identified user (S106).

[0068] Next, the payment server 100 transmits information corresponding to the voucher and information corresponding to the user to the user terminal device 10 (S108). Next, the user terminal device 10 identifies content corresponding to the operation of S100, and generates information to be included in the content based on the corresponding information transmitted in S108 (S110). Next, the user terminal device 10 displays an interface screen including the content including the generated information on the display unit.

[0069] As described above, the payment application 20 and the payment server 100 control the information to be displayed on the display unit, and thus it is possible to provide more appropriate content to the user.

[0070] [Sequence] 22 is a sequence diagram showing another example of the flow of the process executed by the user terminal device 10 and the payment server 100. When the user terminal device 10 accepts a predetermined operation by the user (S200), it transmits the user identification information and the voucher identification information to the payment server 100 (S202).

[0071] Next, the payment server 100 identifies the voucher based on the voucher identification information and acquires information corresponding to the identified voucher (S204). Next, the payment server 100 identifies the user based on the user identification information and acquires information corresponding to the identified user (S206).

[0072] Next, the payment server 100 identifies the content according to the operation of S100, and generates information to be included in the content based on the information corresponding to the voucher identified in S204 and the information corresponding to the user identified in S206 (S208). Next, the user terminal device 10 transmits the content including the generated information to the user terminal device 10 (S210).

[0073] As described above, the payment application 20 and the payment server 100 control the information to be displayed on the display unit, and thus it is possible to provide more appropriate content to the user.

[0074] In the above process, the payment application 20 (or the voucher application 30) may control information to be displayed on the display unit of the user terminal device 10 based on information linked to the voucher and information linked to the user. For example, the storage unit of the user terminal device 10 may store some or all of the information such as the application information 173, the condition information 178, and the voucher content information 180. The payment application 20 controls the display based on these pieces of information. For example, when an operation is performed in response to an application for a voucher that requires eKYC completion, if the user has not completed eKYC, the payment application 20 displays information indicating that eKYC is required on the display unit of the user terminal device 10, and if the user has completed eKYC, for example, displays a screen for proceeding with the application on the display unit of the user terminal device 10. In addition, if the user has already applied to purchase the voucher, the payment application 20 displays information indicating that the application has been completed and information indicating the status of the application on the display unit.

[0075] In this manner, the payment application 20 may control the display without making an inquiry to the payment server 100.

[0076] 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]

[0077] 10 User terminal device 20. Payment App 30. Voucher App 100 Payment Server 120 Contents Provider 130 Payment processing unit 140 Information Management Department 150 Information Processing Section 200 Service Server

Claims

1. On the computer, acquiring information regarding a user's operation on an electronic voucher that can be used for electronic payment using the electronic payment service at a member store of the electronic payment service and that is given to the user if the user wins a lottery after applying for a purchase; In response to the acquisition of information related to the operation, a display mode of a screen related to acquisition of the voucher displayed on a display unit is changed based on whether or not one or both of address and age, which are condition information indicating application conditions for issuance of the voucher linked to the voucher, match with online identity verification information, which is information linked to the user. program.

2. A computer comprising: acquiring information regarding a user's operation on an electronic voucher that can be used for electronic payment using the electronic payment service at a member store of the electronic payment service; In response to the acquisition of information related to the operation, a display mode of a screen related to acquisition of the voucher displayed on a display unit is changed based on whether or not one or both of address and age, which are condition information indicating application conditions for issuance of the voucher linked to the voucher, match with online identity verification information, which is information linked to the user; When one or both of the address and age, which are condition information indicating the application conditions for issuance of the voucher linked to the voucher, match with online identity verification information, which is information linked to the user, displaying information on a display unit indicating that the application for obtaining the voucher is possible; program.

3. On the computer, acquire information regarding a user's operation on an electronic voucher that can be used for electronic payment using the electronic payment service at a member store of the electronic payment service, the voucher having condition information stipulating that the user who applied for the voucher will be given the authority to be granted if the user wins a lottery; In response to acquisition of information related to the operation, the winning is carried out, and when it is determined that the user has won based on the condition information and the information linked to the user, information indicating the amount required to purchase the voucher is displayed on a display unit based on the number of winning tickets and the amount of the voucher in the information linked to the user. program.

4. On the computer, acquiring information regarding a user's operation on an electronic voucher that can be used for electronic payment using the electronic payment service at a member store of the electronic payment service; In response to the acquisition of information related to the operation, information to be displayed on a display unit of a terminal device of the user is controlled based on condition information indicating an application condition for issuance of the voucher linked to the voucher and information linked to the user; when the information associated with the user indicates that the user has purchased the voucher, the timing of providing the voucher in the condition information is specified; displaying information on a display unit indicating that the voucher will be provided at the specified providing time; program.

5. On the computer, If the condition information specifies that the voucher will be provided immediately after the purchase, displaying information on a display unit indicating that the voucher will be provided immediately after the purchase; When the condition information indicates that the timing of the provision is after a preset period has elapsed from the purchase or at a preset time, displaying information on a display unit indicating that the provision will be made after the preset period has elapsed or at the preset time. The program according to claim 4.

6. The computer Acquire information regarding a user's operation regarding an electronic voucher that can be used for electronic payment using the electronic payment service at a member store of the electronic payment service and that is granted to the user if the user wins a lottery after applying for a purchase, In response to the acquisition of information related to the operation, a display mode of a screen related to acquisition of the voucher displayed on a display unit is changed based on whether or not one or both of address and age, which are condition information indicating application conditions for issuance of the voucher linked to the voucher, match with online identity verification information, which is information linked to the user. Information processing methods.

7. The computer acquiring information regarding a user's operation on an electronic voucher that can be used for electronic payment using the electronic payment service at a member store of the electronic payment service; In response to the acquisition of information related to the operation, a display mode of a screen related to acquisition of the voucher displayed on a display unit is changed based on whether or not one or both of address and age, which are condition information indicating application conditions for issuance of the voucher linked to the voucher, match with online identity verification information, which is information linked to the user; When one or both of the address and age, which are condition information indicating the application conditions for issuance of the voucher linked to the voucher, match with online identity verification information, which is information linked to the user, displaying information on a display unit indicating that the application for obtaining the voucher is possible; Information processing methods.

8. The computer acquire information regarding a user's operation on an electronic voucher that can be used for electronic payment using the electronic payment service at a member store of the electronic payment service, the voucher having condition information stipulating that the user who applied for the voucher will be given the authority to be granted if the user wins a lottery; In response to acquisition of information related to the operation, the winning is carried out, and when it is determined that the user has won based on the condition information and the information linked to the user, information indicating the amount required to purchase the voucher is displayed on a display unit based on the number of winning tickets and the amount of the voucher in the information linked to the user. Information processing methods.

9. The computer acquiring information regarding a user's operation on an electronic voucher that can be used for electronic payment using the electronic payment service at a member store of the electronic payment service; In response to the acquisition of information related to the operation, control information to be displayed on a display unit of the terminal device of the user based on condition information indicating an application condition for issuance of the voucher linked to the voucher and information linked to the user; When the information associated with the user indicates that the user has purchased the voucher, the timing of the voucher is identified in the condition information; displaying information on a display unit indicating that the voucher will be provided at the specified providing time; Information processing methods.

10. Acquire information regarding a user's operation regarding an electronic voucher that can be used for electronic payment using the electronic payment service at a member store of the electronic payment service and that is granted to the user if the user wins a lottery after applying for a purchase, In response to the acquisition of information related to the operation, a display mode of a screen related to acquisition of the voucher displayed on a display unit is changed based on whether or not one or both of address and age, which are condition information indicating application conditions for issuance of the voucher linked to the voucher, match with online identity verification information, which is information linked to the user. Information processing device.

11. acquiring information regarding a user's operation on an electronic voucher that can be used for electronic payment using the electronic payment service at a member store of the electronic payment service; In response to the acquisition of information related to the operation, a display mode of a screen related to acquisition of the voucher displayed on a display unit is changed based on whether or not one or both of address and age, which are condition information indicating application conditions for issuance of the voucher linked to the voucher, match with online identity verification information, which is information linked to the user; When one or both of the address and age, which are condition information indicating the application conditions for issuance of the voucher linked to the voucher, match with online identity verification information, which is information linked to the user, displaying information on a display unit indicating that the application for obtaining the voucher is possible; Information processing device.

12. acquire information regarding a user's operation on an electronic voucher that can be used for electronic payment using the electronic payment service at a member store of the electronic payment service, the voucher having condition information stipulating that the user who applied for the voucher will be given the authority to be granted if the user wins a lottery; In response to acquisition of information related to the operation, the winning is carried out, and when it is determined that the user has won based on the condition information and the information linked to the user, information indicating the amount required to purchase the voucher is displayed on a display unit based on the number of winning tickets and the amount of the voucher in the information linked to the user. Information processing device.

13. acquiring information regarding a user's operation on an electronic voucher that can be used for electronic payment using the electronic payment service at a member store of the electronic payment service; In response to the acquisition of information related to the operation, control information to be displayed on a display unit of the terminal device of the user based on condition information indicating an application condition for issuance of the voucher linked to the voucher and information linked to the user; when the information associated with the user indicates that the user has purchased the voucher, the timing of providing the voucher in the condition information is specified; displaying information on a display unit indicating that the voucher will be provided at the specified providing time; Information processing device.

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