Information processing apparatus, information processing method, and program

Abstract

Providing a service that improves user satisfaction. 【Solution means】A settlement processing unit that executes electronic settlement of an electronic payment service, and in response to the completion of the electronic payment, on the display unit of the user's terminal device, content related to a scratch ticket is superimposed and displayed on the completion screen of the electronic payment. When the user performs an operation to scratch the scratch ticket of the content, it is an information processing device including a processing unit that executes an animation display for scratching the scratch area of the scratch ticket.

Description

Technical Field

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

Background Art

[0002] Conventionally, an apparatus has been disclosed that gives a privilege to a user based on the lottery result of a lottery conducted according to a settlement (see Patent Document 1).

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] In the conventional technology, it may not be possible to provide a service with a sufficiently high user satisfaction.

[0005] The present invention has been made in consideration of such circumstances, and one of its objects is to provide an information processing apparatus, an information processing method, and a program that can provide a service that improves user satisfaction.

Means for Solving the Problems

[0006] One aspect of the present invention is an information processing apparatus including a settlement processing unit that executes an electronic settlement of an electronic payment service, and a processing unit that, in response to the completion of the electronic settlement, superimposes and displays content related to a scratch lottery on a completion screen of the electronic settlement on a display unit of a user's terminal device, and executes an animation display for erasing a scratch area of the scratch lottery when the user executes an operation for erasing the scratch lottery of the content.

Effects of the Invention

[0007] According to one aspect of the present invention, a service that improves user satisfaction can be provided.

Brief Description of the Drawings

[0008]

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Mode for Carrying Out the Invention

[0009] Hereinafter, embodiments of an information processing apparatus, an information processing method, and a program of the present invention will be described with reference to the drawings. Various apparatuses such as a "server" that appears below for providing services to users or performing internal analysis may be realized by a decentralized group of apparatuses, and the operators of each apparatus may be different. Also, the holder of the hardware of the apparatus (provider of the cloud server) and the operator who actually operates the apparatus may be different. The application program and the settlement server cooperate to provide an electronic settlement service. In the following description, the application program is referred to as a settlement application. The electronic settlement service is a service that supports settlement related to the purchase of goods and services in a store. The store is, for example, a physical store (actual store) existing in the real space, but may include a virtual store for e-commerce. The virtual store may include those provided by a subject different from the operator of the electronic settlement service. In that case, when settling a purchase in the virtual store, it is controlled to transition to the interface screen of the electronic settlement service. In the electronic settlement service, the store is treated as belonging to, for example, a franchise (brand), and processing such as settlement when a purchase action is performed in the store is mainly performed between the user and the franchise. Instead of this, processing such as settlement may be performed between the user and the store.

[0010] [Electronic Settlement 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 centering around a payment server 100. An electronic payment system for realizing 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 a payment server 100. These devices communicate with each other via, for example, a network NW. The network NW includes, for example, the Internet, a LAN (Local Area Network), a wireless base station, a provider device, a network of a payment system such as a credit card, and the like. The electronic payment system or the payment server 100 is an example of an "information processing device".

[0011] Part or all of the functional configurations included in the electronic payment system may be distributed among a plurality of devices in any form, or may be integrated into any device. For example, part or all of the functional configurations of the payment server 100 may be included in other devices.

[0012] [User Terminal Device] The user terminal device 10 is 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, the configurations for realizing these functions are respectively referred to as a camera, a communication device, a touch panel, a CPU (Central Processing Unit), etc. In the user terminal device 10, when the settlement application 20 is executed by a processor such as a CPU, it operates to provide an electronic settlement service to the user in cooperation with the settlement server 100. The settlement application 20 is installed in the user terminal device 10 from, for example, an application store, and controls a camera, a communication device, a touch panel, etc. The scratch mini application 30 is an application (mini application) developed to be launchable within the settlement application 20. For example, the mini application is launched within the settlement application 20 and uses the web view function to display various screens and execute various processes. The scratch mini application 30 may be an application installed when the settlement application 20 is installed, or may be a mini application provided by the settlement server 100 at an arbitrary timing.

[0013] [First store terminal device] The first store terminal device 50 is installed in a store, for example. 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. Note that the store code image 60 may be displayed by a display placed in the store (which may be a display of a terminal device such as a smartphone).

[0014] [Second store terminal device] The second store terminal device 70 is used by the operator of the franchise store. The second store terminal device 70 is a smartphone, a tablet terminal, a personal computer, or the like. In the second store terminal device 70, an interface 72 for franchise stores operates. The interface 72 for franchise stores may be an application for franchise stores or a browser. The interface 72 for franchise stores accepts settings of coupons and the like by the operator of the franchise store and transmits them to the payment server 100. The second store terminal device 70 that is a smartphone has functions such as displaying a code image corresponding to the store code image or reading the code image displayed by the user terminal device 10 by executing an application for franchise stores.

[0015] [Payment Server] The payment server 100 realizes electronic payment based on the 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 a franchise store server. In that case, the payment information is transmitted from the POS device to the payment server 100 via the franchise store server. In the following description, without particularly distinguishing this, it is assumed that the payment information is transmitted from the first store terminal device 50.

[0016] FIG. 2 and FIG. 3 are sequence diagrams illustrating a general flow of electronic payment. There may be two patterns, pattern 1 and pattern 2, in electronic payment.

[0017] In the case of pattern 1 shown in FIG. 2 (hereinafter referred to as user scan), the user terminal device 10 in the state where the payment application 20 is launched decodes the store code image 60 by means of an optical reading function (S1). The store code image 60 contains information on the store URL (Uniform Resource Locator). This store URL is obtained by adding information that can identify the store to the domain of the electronic payment service, and is associated with the franchise store ID, store ID, etc. in the payment server 100 (described later). The payment application 20 transmits 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 franchise store ID and store ID corresponding to the store URL, acquires information on the franchise store name and store name (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 where the franchise store name and 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 an electronic payment based on the received second payment information (S7). Then, the payment server 100 transmits a payment completion notification (information for displaying a payment completion screen) to the payment application 20 (S8), and the payment application 20 displays a payment completion screen (S9). Note that when the store code image 60 is displayed by a display placed in the store, the store code image 60 may contain not only the store URL but also payment amount information. In this case, the procedure for the user to input the payment amount is omitted, and the payment amount information is included in the first payment information and transmitted to the payment server 100. Information on the franchise store name and store name may be included and displayed on the payment completion screen.

[0018] In the case of Pattern 2 shown in FIG. 3 (hereinafter referred to as store scan), when the payment application 20 is launched, when a payment operation is performed in the payment application 20, when the automatic update timing (for example, every minute) is reached, and at other timings, the payment application 20 sends a one-time code issuance request to the payment server 100 (S11). The payment server 100 generates a one-time code (S12) and sends 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 shields (presents) the display surface of the user terminal device 10 against the first store terminal device 50, and the first store terminal device 50 decodes the code image by means of an optical reading function and acquires a one-time code or the like (S15). Then, the first store terminal device 50 generates payment information including the one-time code, the payment amount, the franchise ID, the store ID, etc., and sends it to the payment server 100 (S16). The information on the payment amount has been acquired in advance by barcode reading, manual input, or the like. The payment server 100 identifies the user corresponding to the one-time code based on the received information and performs an electronic payment (S17). Then, the payment server 100 sends a payment completion notification to the payment application 20 (S18), and the payment application 20 displays a payment completion screen (S19).

[0019] Note that the electronic payment may be performed in only one of the above patterns. Also, the "account ID" described in FIG. 2 may be other information (for example, a telephone number) that can be used as the identification information of the user. Further, in the store scan, the issuance of the one-time code may be omitted, and the payment application 20 may display a code image generated based on the user's account ID. In that case, instead of identifying the user corresponding to the one-time code, the payment server 100 identifies the user corresponding to the account ID.

[0020] [Functional Configuration of Payment Server] FIG. 4 is a configuration diagram of the settlement server 100. The settlement server 100 includes, for example, a communication unit 110, a content providing unit 120, a settlement processing unit 130, an information processing unit (processing unit) 140, and a storage unit 170. Components other than the communication unit 110 and the storage unit 170 are realized, for example, by a hardware processor such as a CPU executing a program (software). Some or all of these components may be realized by hardware (including a circuit unit; circuitry) such as LSI (Large Scale Integration), ASIC (Application Specific Integrated Circuit), FPGA (Field-Programmable Gate Array), GPU (Graphics Processing Unit), 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 having a non-transitory storage medium) such as an HDD (Hard Disk Drive) or a flash memory, or may be stored in a removable storage medium (a non-transitory storage medium) such as a DVD or a CD-ROM, and may be installed in the storage device when the storage medium is mounted on a drive device.

[0021] The storage unit 170 is an HDD, a flash memory, a RAM (Random Access Memory), or the like. The storage unit 170 may be a NAS (Network Attached Storage) device accessible by the settlement server 100 via a network. Information such as user information 172 including history information 173, content information 174, franchise / store information 176, and scratch information 178 is stored in the storage unit 170. Some of this information may be stored in the storage unit of the user terminal device 10.

[0022] The communication unit 110 is a communication interface for connecting to the network NW. The communication unit 110 is, for example, a network interface card.

[0023] The content providing unit 120 has, for example, the 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 appropriately reads necessary content from the content information 174 and provides it to the user terminal device 10. The user terminal device 10 receives various inputs by the user in a state where the content is reproduced by the payment application 20, and transmits the above-described payment information and the like to the payment server 100. The above content may be generated by the payment application 20. In this case, the content providing unit 120 provides information necessary for generating the content to the payment application 20.

[0024] The payment processing unit 130 performs payment processing based on the payment information transmitted by the user terminal device 10 or the first store terminal device 50. The payment processing unit 130 performs payment processing while referring to the user information 172.

[0025] [User Information] FIG. 5 is a diagram showing an example of the content of the user information 172. The user information 172 is an example of the user's registration information. The user information 172 includes, for example, a user URL, an account ID, a phone number, a password, as well as an email address, a user ID, name, address, date of birth, registration date, remaining charge amount, credit payment setting, credit payment limit, credit payment usage amount, available credit payment amount, payment method setting, bank account, credit card number, charge history information, payment history information, and other information that are associated with each other. The user URL is used for money transfer processing between users. When newly registering for the electronic payment service, registration of a phone number and a password is required. The account ID is issued to the user by the payment server 100, and the user ID is an ID that the user can arbitrarily set (or may not set). Similarly, the email address, and the name, address, and date of birth are also information that the user can arbitrarily set (or may not set). The registration date is the date when the user registered for the electronic payment service (the date when the account was created). Hereinafter, an instance of the user (electronic payment account) in which these pieces of information are associated with each other is referred to as an account.

[0026] The remaining charge amount is information indicating the remaining amount of electronic money set by the user making a remittance to the account in advance. As means of remittance, there are remittances from the ATM (Automatic Teller Machine) of a designated operator (bank), remittances from a registered bank account, etc. The credit payment setting is information indicating whether or not the setting for enabling electronic settlement by credit payment has been completed, and is set to either "completed" or "not completed". The credit payment limit is the limit amount of credit payment available per month, the credit payment used amount is the amount of credit payment already used in the current month, and the available credit payment amount is the amount of credit payment available in the current month obtained by subtracting the credit payment used amount from the credit payment limit. In the figure, only one credit payment limit is shown, but in reality, there are further upper limits per day, etc., and the lower of them may be set as the credit payment limit. Further details of credit payment will be described later. The settlement method setting is setting information indicating whether the user performs an electronic settlement using the remaining charge amount or a settlement by credit payment at that time. Each of the bank account and credit card number is information (account number, card number) of a bank account or credit card number to which money can be deposited for the electronic settlement service. The charge history information is the history of the user increasing the remaining charge amount by remitting money to the electronic settlement service in advance. The settlement history information is information showing the breakdown of the settlements made by the user (date and time, store ID of the store where the purchase action was performed, settlement amount, settlement method, etc.) for each settlement.

[0027] In addition to the above information, the user information 172 may have information on privileges (points, discount coupons, etc.) related to the electronic settlement service associated with the user's identification information (for example, account ID, email address, phone number, etc.). Privileges related to the electronic settlement service are privileges granted for each electronic settlement, privileges granted by scratch cards described later, and the like.

[0028] The user information 172 includes the history information 173. FIG. 6 is a diagram showing an example of the history information 173. The history information 173 is information in which, for example, the target franchise store, the target user, the content of the scratch ticket, and the provided content are associated with the scratch ID, which is the identification information of the scratch ticket described later. For example, when the target user uses electronic payment at the target franchise store, an electronic scratch ticket with the scratch ID is provided to the target user. The content of the scratch is the content of winning, such as a first prize of ○○ redemption or a second prize of ○○ points. The content of winning may be other privileges such as a discount instead of points.

[0029] [Franchise Store / Store Information] FIG. 7 is a diagram showing an example of the content of the franchise store / store information 176. The franchise store / store information 176 includes, for example, a first table 176A in which the franchise store ID and the store ID are associated with the store URL, a second table 176B in which the franchise store name and the sales amount (described above) are associated with the franchise store ID, and a third table 176C in which the store name is associated with the store ID. In addition to these information, the franchise store / store information 176 may include information such as the category of the franchise store or store, the location of the store, and the payment pattern.

[0030] The information processing unit 140 acquires information provided by other server devices and terminal devices. The information processing unit 140 manages the user information 172 and the franchise store / store information 176 based on the information acquired from the user terminal device 10 and the second store terminal device 70. The information processing unit 140 adds, edits, deletes, etc. new records for the user information 172 and the franchise store / store information 176.

[0031] [Electronic Payment] When the settlement processing unit 130 acquires settlement information from the user terminal device 10 or the first store terminal device 50, it refers to the user information 172 to acquire the "settlement method setting" of the user. For users whose "settlement method setting" is set to "charge balance", the settlement processing unit 130 performs electronic settlement as follows. For example, the settlement processing unit 130 performs electronic settlement by reducing the charge balance managed in association with the user ID and increasing the item value of the sales amount of the franchise store. The item value of the sales amount of the franchise store is not used as electronic money itself, and the amount corresponding to the item value of the sales amount is transferred to the bank account in a cycle according to the agreement between the franchise store and the electronic settlement service.

[0032] For users whose "setting information" is set to "credit payment", the settlement processing unit 130 performs electronic settlement as follows. Credit payment is a payment method through cooperation with a credit card company, which is a separate entity from the operator of the electronic settlement service. The operator of the electronic settlement service acts as the creditor and allows electronic settlement that does not depend on the charge balance within the credit payment limit. In order to receive the credit payment service, it may be required to obtain a credit card provided by the operator of the electronic settlement service. The amount used for credit payment is settled in one lump sum on the payment date of the following month, for example, by direct debit from the bank account. In this case, the settlement processing unit 130 performs provisional settlement by adding the settlement amount to the credit payment usage amount and subtracting the same amount from the available credit payment amount. When the closing date arrives, the processing for debiting the settlement for the current month to the payment date of the following month as described above is performed, or this processing is requested from the operator of the credit card company. If the settlement amount exceeds the available credit payment amount at the time of provisional settlement, an error notification is returned to the settlement application 20.

[0033] [Overview] When the electronic payment of the electronic payment service is completed, the content providing unit 120 of the payment server 100 causes the display unit of the user terminal device 10 to display the content related to the scratch ticket superimposed on the payment completion screen. When the user executes an operation for scratching the scratch ticket of the above content, the information processing unit 140 executes an animation display for scratching the scratch area of the scratch ticket.

[0034] The operation for scratching can be any operation such as a tap operation on the scratch area (see Fig. 10). The animation display is a display in which the winning result of the scratch ticket hidden in the scratch area becomes visible so that the scratch area is gradually scratched (see Figs. 10 and 11). For example, an animation display in which the scratch area is gradually scratched by an object such as a coin may be displayed. Hereinafter, these processes will be described.

[0035] [Content Displayed after Completion of Electronic Payment] After the electronic payment is completed, the content providing unit 120 causes the display unit to display content including the name of the store where the electronic payment was made, the payment amount, the points awarded, etc. Fig. 8 is a diagram showing the content C1 displayed after the electronic payment is completed. By referring to the content C1, the user can easily recognize the store where the electronic payment was made, the payment amount, and the points awarded.

[0036] [Content Related to Scratch Ticket (First Animation)] After the content providing unit 120 causes the content C1 in FIG. 8 to be displayed on the display unit, it causes the content C2 in FIG. 9 to be displayed on the display unit. FIG. 9 is a diagram showing an example of content (first animation) related to a scratch lottery ticket. The first animation is an animation that superimposes and displays the content C2 including a scratch lottery ticket, an expiration date, etc. on the content C1, and an animation that displays the content C3 with information related to winning added to the content C1. For example, after the content C2 has been displayed for a predetermined time, the content providing unit 120 causes the content C3 with information related to winning (such as full refund of the settlement amount, 5% refund, 0.5% refund, etc.) superimposed on the scratch lottery ticket of the content C2 to be displayed on the display unit. The information related to winning is displayed as an animation that appears like bubbles.

[0037] [Content related to scratch lottery ticket (second animation)] After the content providing unit 120 causes the content C3 in FIG. 9 to be displayed on the display unit, it causes the content C4 in FIG. 10 to be displayed on the display unit. FIG. 10 is a diagram showing another example of content related to a scratch lottery ticket. The content providing unit 120 causes the content C4 including a scratch lottery ticket, an expiration date, information prompting a tap operation, etc. to be displayed on the display unit. When the user performs an operation to scratch the scratch lottery ticket (for example, a tap operation), the content providing unit 120 causes the content C5 of an animation (an example of the "third animation") that scratches the scratch to be displayed on the display unit. For example, in response to the tap operation, the content providing unit 120 displays an animation that gradually scratches the scratch area of the scratch lottery ticket with a coin, and displays an animation that gradually displays the winning result hidden by the scratch.

[0038] After the content providing unit 120 causes the content C5 in FIG. 10 to be displayed on the display unit, it causes the content C6 in FIG. 11 to be displayed on the display unit. FIG. 11 is a diagram showing another example of content related to a scratch lottery ticket. The content providing unit 120 causes the content C6 including the winning result of the scratch lottery ticket, an expiration date, etc. to be displayed on the display unit.

[0039] Thereafter, the content providing unit 120 causes the display unit to display content C7 including information indicating the points obtained by adding the points given according to the winning result and the points given by preset electronic payment. For example, the points obtained by electronic payment are 4P, the points corresponding to the winning result are 5P, and content C7 includes information of 9P obtained by adding these. For example, when the points given according to the winning result are added, after an animation in which the numbers of the points to be given are randomly displayed is displayed, the added points are displayed.

[0040] For example, when the first predetermined button (for example, a detail button not shown) of content C7 is operated, a screen including the points of the winning result and the points given by the electronic payment service is displayed. Further, for example, when the second predetermined button (for example, a transition button not shown) of content C7 is operated, the scratch ticket list C10 in FIG. 14 or the scratch ticket list C11 in FIG. 15 described later is displayed on the display unit.

[0041] Note that even when contents C4 - C6 are being displayed, the information of the 4P points obtained by electronic payment can be confirmed by the user. For example, the content providing unit 120 causes the display unit to display the points (4P) given by preset electronic payment, and then causes the display unit to display content C4 related to the scratch ticket. When the scratch ticket wins, the display unit is caused to display the points given by the win and the points given by preset electronic payment added together (9P). Therefore, it can be recognized that the points obtained by the winning result are added to the points obtained by electronic payment, and the satisfaction is improved.

[0042] The above-mentioned content and animations may be in different forms according to the attributes of the users and the types of electronic payment. The attributes of the users refer to using a predetermined service or applying for a predetermined service. The types of electronic payment refer to payment methods using the remaining recharge balance, payment methods using credit card payments, etc. Different forms mean, for example, different content of the content, different colors of the animations, different content itself or animations themselves, etc. This improves the entertainment value and the satisfaction of the users.

[0043] Furthermore, the winning probabilities may be set to be different according to the attributes of the users and the types of electronic payment. For example, the winning probabilities of users who are using a predetermined service or have applied for a predetermined service may be set higher than those of users who are not using a predetermined service or have not applied for a predetermined service. For example, the winning probability of credit card payment may be set higher than that of recharge balance payment. This enables the use of scratch cards as a marketing tool.

[0044] As described above, the user can recognize that they have obtained an opportunity to draw a scratch card through the production of the first animation, and can further recognize that the scratch card is a beneficial card. When the user performs a tap operation that can remind them of the action of actually starting to scratch the scratch card, a second animation with an effect as if actually scratching the scratch card is provided. This improves the entertainment value for the user. Such animations with effects improve the satisfaction of the users with the electronic payment service.

[0045] [Flowchart] FIG. 12 is a flowchart showing an example of the flow of processing executed by the settlement server 100. First, the settlement server 100 determines whether or not the electronic settlement has been completed (S100). If the electronic settlement has been completed, the settlement server 100 determines whether or not the electronic settlement is a target of a scratch lottery (S102). For example, in some cases, the target of the scratch lottery may be all users, and in some cases, it may be conditional that a predetermined condition is satisfied. The predetermined condition may be, for example, the attributes of the user or the store being the target.

[0046] If the electronic settlement is not a target of the scratch lottery, the processing of one routine of this flowchart ends. If the electronic settlement is a target of the scratch lottery, the content providing unit 120 causes the first animation to be displayed on the display unit of the user terminal device 10 (S104). Next, the content providing unit 120 causes the second animation to be displayed on the display unit of the user terminal device 10 (S106).

[0047] Next, the information processing unit 140 determines whether or not the scratch area of the scratch lottery has been tapped (S108). For example, the information processing unit 140 determines whether or not a tap operation has been performed within a predetermined time after the second animation is displayed. For example, if a tap operation is not performed within the predetermined time or if other content is displayed on the display unit without a tap operation, the process proceeds to the process of S114.

[0048] If a tap operation has been performed, the content providing unit 120 causes the third animation to be displayed on the display unit (S110). As a result, the winning result is recognized by the user.

[0049] Next, the information processing unit 140 executes processing according to the lottery result (S112). The processing according to the lottery result is, for example, processing of calculating the points obtained by adding the points obtained by the electronic settlement and the points according to the lottery result and displaying them on the display unit. Next, the information processing unit 140 stores the result of the processing in the storage unit 170 (S114). As a result, the processing of one routine of this flowchart ends.

[0050] Describe the storage of the processing results. When an operation for deleting the scratch ticket of the content is performed, the information processing unit 140 manages by associating the information indicating the winning result of the scratch ticket with the user identification information and the scratch ticket identification information managed by the electronic payment service. When an operation for deleting the scratch ticket of the content is not performed, the information processing unit 140 manages by associating the information indicating that the scratch ticket has not been deleted with the user identification information and the scratch ticket identification information. The content providing unit 120 causes the display unit to display a screen including one or both of the information associating the scratch ticket with the winning result and the information associating the scratch ticket with the information indicating that the scratch ticket has not been deleted in response to a predetermined operation of the user.

[0051] The information processing unit 140 stores the processing result as history information 173. FIG. 13 is a diagram showing an example of the content of the history information 173. The history information 173 is information managed for each user, and is information in which a processing ID, a payment ID, a scratch ID, information indicating whether a tap operation has been performed, information indicating the winning result, and the awarded points corresponding to the winning result are associated with each other. The processing ID is identification information assigned each time a scratch ticket is provided to the user. The payment ID is identification information assigned for each electronic payment.

[0052] [Information provided by the scratch mini app] The scratch mini app 30 cooperates with the payment server 100 (for example, the content providing unit 120) to cause the display unit to display the scratch ticket list content C10. FIG. 14 is a diagram showing an example of the scratch ticket list content C10 of the scratch ticket. The scratch ticket list content C10 is information generated by the payment server 100 based on the history information 173.

[0053] The scratch ticket list content C10 includes, for example, a list of scratch tickets that have not been scratched (not shaved), information indicating the winning results of scratched scratch tickets, points obtained from the winning results, and the like. For example, when the user operates a button to start the scratch mini app 30, the scratch mini app 30 and the payment server 100 cooperate to extract the winning scratch tickets and display on the display unit the scratch ticket list content C10 that includes only the extracted winning scratch tickets.

[0054] For example, when the user operates the "All" button of the scratch ticket list content C10, the scratch mini app 30 and the payment server 100 cooperate to display on the display unit the scratch ticket list content C11 that includes the scratch tickets (non-winning scratch tickets) that the user has scratched. FIG. 15 is a diagram showing an example of the scratch ticket list content C11 of the scratch tickets. In addition to the above, the user can operate the "Filter" button to set filtering conditions and display on the display unit the scratch ticket list content C11 that includes the scratch tickets that meet the conditions.

[0055] When the user selects or taps an unscratched scratch ticket in the above-mentioned scratch ticket list content C10 or C11, the scratch mini app 30 and the payment server 100 cooperate to display on the display unit the content C5 in FIG. 10, the content C6 in FIG. 11, etc. described above, and provide the user with an animation of the winning result. For example, the animation is displayed within the area AR1. Also in this case, animations in different forms may be displayed according to the type of the payment method of the electronic payment or the attributes of the user. Thereby, the user can enjoy the entertainment of the scratch ticket through the animation. After the process is performed, the payment server 100 updates the history information 173. For example, when a scratch ticket is scratched, the information processing unit 140 rewrites the information in the history information 173 to indicate that the corresponding scratch ticket has been tapped.

[0056] As described above, by providing the user with information regarding scratch tickets, the settlement server 100 and the scratch mini app 30 can improve the convenience and satisfaction of the user.

[0057] FIG. 16 is a diagram showing an example of a situation where a scratch ticket is not scratched. For example, it is assumed that an operation to use electronic settlement of an electronic settlement service is performed on an interface screen IF1 (for example, an interface screen for mobile order or Internet shopping) provided by a target service linked to the electronic settlement service. In this case, for example, when the user makes a payment operation after transitioning to an interface screen IF2 provided by the electronic settlement service, the electronic settlement of the electronic settlement service is executed by the settlement server 100. And originally, even for an electronic settlement in which the above-described scratch ticket animation is to be displayed, in the case of cooperation with such other services, from the interface screen IF2, before the scratch ticket animation is displayed (immediately after being displayed and before the scratch is scratched), it may return to the interface screen IF3 of the target service. In the above case, the settlement server 100 manages in the history information 173 that there is an unscratched scratch ticket. Even when the user cannot scratch the scratch ticket, the user can scratch the unscratched scratch ticket in the scratch ticket list content. This improves the convenience and satisfaction of the user.

[0058] Also, for example, when a scratch ticket is given to a user, the scratch ticket may be automatically scratched and the winning result may be provided regardless of the user's operation (intention), or the winning result may be reflected if the scratch ticket is a winner even if it is not scratched. In contrast, in the present embodiment, an animation display is provided in which the scratch area of the scratch ticket is erased by the user's operation like a physical scratch ticket, and the winning result is reflected when the scratch ticket is scratched and wins. As a result, the user can enjoy the lottery of the electronic scratch ticket with a feeling closer to that of a physical scratch ticket. This improves the user's satisfaction.

[0059] According to the embodiment described above, when the settlement server 100 responds to the completion of the electronic settlement, on the display unit of the user's terminal device, the content related to the scratch ticket is superimposed and displayed on the completion screen of the electronic settlement, and when the user executes an operation to scratch the scratch ticket of the content, by executing an animation display for erasing the scratch area of the scratch ticket, a service with a sufficiently high user satisfaction can be provided.

[0060] As described above, the embodiments for implementing the present invention have been described using the embodiments, but the present invention is not limited to such embodiments, and various modifications and substitutions can be made without departing from the gist of the present invention.

Explanation of Reference Numerals

[0061] 10 User terminal device 20 Settlement application 100 Settlement server 120 Content providing unit 130 Settlement processing unit 140 Information processing unit 173 History information

Claims

1. a payment processing unit that executes electronic payment for the electronic payment service; In response to the completion of the electronic payment, displaying a content related to the scratch lottery on a display unit of the user's terminal device so as to be superimposed on the completion screen of the electronic payment; a processing unit that, when the user performs an operation to scratch the scratch ticket of the content, executes an animation display of scratching a scratch area of ​​the scratch ticket, The processing unit includes: After displaying a preset benefit to be provided by the electronic payment on the display unit, displaying content related to the scratch lottery for the electronic payment on the display unit; When the scratch lottery ticket is won, a bonus that is a combination of a bonus awarded as a result of the winning and a bonus awarded through the preset electronic payment is displayed on the display unit. Information processing device.

2. a payment processing unit that executes electronic payment for the electronic payment service; In response to the completion of the electronic payment, a display unit of the user's terminal device displays a preset benefit to be awarded by the electronic payment on the display unit, and then displays a content related to the scratch lottery superimposed on a completion screen of the electronic payment; superimposing information regarding a winning of the scratch lottery on the content to be superimposed on the completion screen; a processing unit that, when the user performs an operation to scratch the scratch ticket of the content, executes an animation display of scratching a scratch area of ​​the scratch ticket; An information processing device comprising:

3. a payment processing unit that executes electronic payment for the electronic payment service; In response to the completion of the electronic payment, displaying a content related to the scratch lottery on a display unit of the user's terminal device so as to be superimposed on the completion screen of the electronic payment; a processing unit that, when the user performs an operation to scratch the scratch ticket of the content, executes an animation display of scratching a scratch area of ​​the scratch ticket, The processing unit includes: When an interface screen of the target service linked to the electronic payment service is displayed on the display unit before providing the content related to the scratch lottery in response to the user's electronic payment operation on the interface screen of the target service, managing information indicating that the scratch ticket related to the electronic payment of the target service has not been scratched in association with the user identification information and the scratch ticket identification information managed by the electronic payment service; Information processing device.

4. The operation is a tap operation on the scratch area. The information processing device according to claim 1 .

5. The animation display is a display in which the winning result of the scratch lottery hidden in the scratch area becomes visible as the scratch area is gradually worn away. The information processing device according to claim 1 .

6. the animation display is a display in which the winning result of the scratch lottery hidden in the scratch area becomes visible as the scratch area is gradually worn away, The processing unit includes: When the scratch lottery is won, a bonus that is a combination of the bonus awarded by the winning and the bonus awarded by the preset electronic payment is displayed on the display unit. The information processing device according to claim 1 .

7. The processing unit includes: When an operation for scratching off the scratch ticket of the content is performed, information indicating a winning result of the scratch ticket is associated with user identification information and identification information of the scratch ticket managed by the electronic payment service; When an operation for scratching the scratch ticket of the content has not been performed, information indicating that the scratch ticket has not been scratched is associated with the identification information of the user and the identification information of the scratch ticket, and the information is managed in association with the identification information of the user and the scratch ticket; displaying on a display unit a screen including one or both of information associating the scratch ticket with a winning result and information associating the scratch ticket with information indicating that the scratch ticket has not been scratched, in response to a predetermined operation by the user; The information processing device according to claim 1 .

8. The computer A process for executing an electronic payment of an electronic payment service; In response to the completion of the electronic payment, A process of displaying a content related to the scratch lottery on a display unit of a terminal device of the user in a superimposed manner on the completion screen of the electronic payment; a process of displaying an animation of scratching a scratch area of ​​the scratch ticket when the user performs an operation to scratch the scratch ticket of the content; After displaying a preset benefit to be provided by the electronic payment on the display unit, displaying content related to the scratch lottery for the electronic payment on the display unit; When the scratch lottery ticket is won, a process of displaying on the display unit a bonus that is a combination of a bonus awarded as a result of the winning of the scratch lottery ticket and a bonus awarded through the preset electronic payment; An information processing method for performing the above.

9. On the computer, A process for executing an electronic payment of an electronic payment service; In response to the completion of the electronic payment, A process of displaying a content related to the scratch lottery on a display unit of a terminal device of the user in a superimposed manner on the completion screen of the electronic payment; a process of displaying an animation of scratching a scratch area of ​​the scratch ticket when the user performs an operation to scratch the scratch ticket of the content; After displaying a preset benefit to be provided by the electronic payment on the display unit, displaying content related to the scratch lottery for the electronic payment on the display unit; When the scratch lottery ticket is won, a process of displaying on the display unit a bonus that is a combination of a bonus awarded as a result of the winning of the scratch lottery ticket and a bonus awarded through the preset electronic payment; A program that executes the following.

10. The computer A process for executing an electronic payment of an electronic payment service; In response to the completion of the electronic payment, A process of displaying a preset benefit to be awarded by the electronic payment on a display unit of a user's terminal device, and then displaying a content related to the scratch lottery on a completion screen of the electronic payment in a superimposed manner; A process of superimposing information regarding a winning of the scratch lottery on the content to be superimposed on the completion screen; a process of displaying an animation of scratching a scratch area of ​​the scratch ticket when the user performs an operation to scratch the scratch ticket of the content; An information processing method for performing the above.

11. On the computer, A process for executing an electronic payment of an electronic payment service; In response to the completion of the electronic payment, A process of displaying a preset benefit to be awarded by the electronic payment on a display unit of a user's terminal device, and then displaying a content related to the scratch lottery on a completion screen of the electronic payment in a superimposed manner; A process of superimposing information regarding a winning of the scratch lottery on the content to be superimposed on the completion screen; a process of displaying an animation of scratching a scratch area of ​​the scratch ticket when the user performs an operation to scratch the scratch ticket of the content; A program that executes the following.

12. The computer A process for executing an electronic payment of an electronic payment service; In response to the completion of the electronic payment, A process of displaying a content related to the scratch lottery on a display unit of a terminal device of the user in a superimposed manner on the completion screen of the electronic payment; a process of displaying an animation of scratching a scratch area of ​​the scratch ticket when the user performs an operation to scratch the scratch ticket of the content; When an interface screen of the target service linked to the electronic payment service is displayed on the display unit before providing the content related to the scratch lottery in response to the user's electronic payment operation on the interface screen of the target service, A process of managing information indicating that the scratch ticket related to the electronic payment of the target service has not been scratched in association with the identification information of the user and the identification information of the scratch ticket managed by the electronic payment service; An information processing method for performing the above.

13. On the computer, A process for executing an electronic payment of an electronic payment service; In response to the completion of the electronic payment, A process of displaying a content related to the scratch lottery on a display unit of a terminal device of the user in a superimposed manner on the completion screen of the electronic payment; a process of displaying an animation of scratching a scratch area of ​​the scratch ticket when the user performs an operation to scratch the scratch ticket of the content; When an interface screen of the target service linked to the electronic payment service is displayed on the display unit before providing the content related to the scratch lottery in response to the user's electronic payment operation on the interface screen of the target service, A process of managing information indicating that the scratch ticket related to the electronic payment of the target service has not been scratched in association with the identification information of the user and the identification information of the scratch ticket managed by the electronic payment service; A program that executes the following.

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