Presentation device, presentation method, and presentation program

Abstract

To enhance convenience relating to use of points provided to a user by electronic money settlement using a portable terminal of the user.SOLUTION: A presentation device includes: a settlement control part for executing, when receiving settlement information representing settlement using a terminal device used by a user, settlement processing according to the settlement information; a selection part for selecting, based on content of the settlement, candidates for a use purpose of benefits to be provided to the user after the lapse of a prescribed period; and a presentation part for presenting, when the settlement is completed, to the user by the settlement, the content of the benefits to be provided to the user after the lapse of the prescribed period and the candidates for the use purpose selected by the selection part.SELECTED DRAWING: Figure 1

Description

Technical Field

[0001] The present invention relates to a presentation device, a presentation method, and a presentation program.

Background Art

[0002] Conventionally, benefits such as points have been provided to users regarding the use of various services. For example, points corresponding to the amount of energy used, such as gas, are provided to users, and when users are accepted to use the points they have saved for purposes such as paying gas bills, changing to electronic money, exchanging goods, and making donations, a technique is disclosed in which the points saved by the users are used for the accepted purposes of use.

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] However, there is room for improvement in the above conventional technology. For example, in the above conventional technology, since it only accepts the use of points once saved by the user, there is a risk that the points will be used for a purpose different from the purpose assumed by the user when the points are received.

[0005] In recent years, payment services using electronic money with the user's mobile terminal have been provided. In such payment means, there are cases where more points than expected are given to users in events such as lotteries, and there is a desire to set the purpose of use in order to prevent such wasteful use of points.

[0006] This application was made in view of the above, and aims to improve the convenience of using points provided to users when making payments using electronic money via their mobile devices. [Means for solving the problem]

[0007] The presenting device according to the present application is characterized by having: a payment control unit that, upon receiving payment information indicating payment made using a terminal device used by a user, executes payment processing in accordance with the payment information; a selection unit that selects candidate uses for the benefits to be provided to the user after a predetermined period has elapsed based on the content of the payment; and a presentation unit that presents to the user, upon completion of the payment, the content of the benefits to be provided to the user after a predetermined period has elapsed as a result of the payment, and the candidate uses selected by the selection unit. [Effects of the Invention]

[0008] According to one embodiment of the system, it is possible to improve the convenience of using points provided to users when making payments using electronic money via the user's mobile device. [Brief explanation of the drawing]

[0009] [Figure 1] Figure 1 is an explanatory diagram showing an overview of the information processing system according to the embodiment. [Figure 2] Figure 2 shows an example of a list of possible uses presented in the content provided by the server device. [Figure 3] Figure 3 shows an example of the configuration of a server device according to this embodiment. [Figure 4] Figure 4 shows an example of an account database. [Figure 5] Figure 5 shows an example of a user information database. [Figure 6] Figure 6 shows an example of a profit database. [Figure 7] Figure 7 is a flowchart showing the processing flow according to the embodiment. [Figure 8] Figure 8 shows an example of a hardware configuration. [Modes for carrying out the invention]

[0010] The following describes in detail, with reference to the drawings, the embodiments for implementing the providing device, providing method, providing program, presentation device, presentation method, and presentation program relating to this application. Note that these embodiments do not limit the providing device, providing method, providing program, presentation device, presentation method, and presentation program relating to this application. Furthermore, the same parts are denoted by the same reference numerals in the following embodiments, and redundant descriptions are omitted.

[0011] [1. Overview of Information Processing Methods] First, referring to Figure 1, an overview of the provision and presentation methods performed by a server device, which is an example of a provisioning device and presentation device according to the embodiment, will be described. Figure 1 is an explanatory diagram showing an overview of the information processing system according to the embodiment. In Figure 1, an example is given in which a regular account and a limited-use account, in which the purpose and beneficiaries can be arbitrarily specified, are managed as electronic money accounts within a payment application.

[0012] As shown in Figure 1, the information processing system 1 includes a terminal device 100 and a server device 10. The terminal device 100 and the server device 10 are connected to each other via a network N (see Figure 3) by wire or wireless means so that they can communicate with each other. In this embodiment, the terminal device 100 cooperates with the server device 10. The information processing system 1 may include any number of terminal devices 100 and server devices 10.

[0013] Terminal device 100 is a smart device such as a smartphone or tablet used by user U, and is a mobile terminal device capable of communicating with any server device via a wireless communication network such as 4G (Generation) or LTE (Long Term Evolution). Terminal device 100 also has a screen such as an LCD display with touch panel functionality, and accepts various operations on displayed data such as content from user U using a finger or stylus, such as tapping, sliding, and scrolling. Operations performed on the area of ​​the screen where content is displayed may also be considered operations on the content. Furthermore, terminal device 100 may be not only a smart device, but also an information processing device such as a desktop PC (Personal Computer) or a notebook PC.

[0014] The server device 10 is an information processing device that provides electronic payment services related to payments (electronic payments) using the terminal device 100 as a payment server, and can be implemented, for example, by a server device or a cloud system. For example, when the server device 10 obtains user identification information, which is the identification information of user U displayed on user U's terminal device 100, from a store terminal that reads said user identification information, store identification information that identifies the store, and payment details, or when it obtains user identification information, store identification information, and payment details from a terminal device 100 that reads store identification information, it has a payment processing function that moves electronic money according to the payment details from the account of user U indicated by the user identification information to the account indicated by the store identification information, based on the payment details.

[0015] [1-1. Payment using terminal device 100] Here, prior to the information processing according to the embodiment, an example of settlement (electronic payment) using the terminal device 100 will be described. In the following description, an example of a settlement in which the user U uses the terminal device 100 using a two-dimensional code (QR code (registered trademark)) arranged in the store A and indicating store identification information for identifying the store A will be described. However, the embodiment is not limited to this. An example of the settlement described below is applicable even when an arbitrary user uses an arbitrary terminal device 100 to perform settlement at an arbitrary store. Further, the store identification information may be not only a QR code (registered trademark), but also a barcode, a predetermined mark, a number, or the like.

[0016] For example, when the user U performs settlement associated with the use or purchase of a settlement target (transaction target) such as various goods and services at the store A, the user U starts a settlement application (settlement app) installed in the terminal device 100. Then, the user U captures the store identification information installed in the store A via the settlement app. In such a case, the terminal device 100 displays a screen for inputting the price of the settlement target and accepts an input of the settlement amount from the user U or the store clerk M of the store A. Then, the terminal device 100 transmits settlement information indicating user identification information for identifying the user U, store identification information (or information indicated by the store identification information, that is, information indicating the store A (for example, store ID)), and the settlement amount to the server device 10.

[0017] In such a case, the server device 10 moves the electronic money of the amount indicated by the settlement amount from the account of the user U indicated by the user identification information to the account of the store A indicated by the store identification information. Then, the server device 10 transmits a notification indicating that the settlement has been completed to the terminal device 100. In such a case, the terminal device 100 notifies that the settlement by electronic money has been performed by outputting a screen or a predetermined sound indicating that the settlement has been completed.

[0018] Note that the settlement using the terminal device 100 is not limited to the above-described processing. For example, the settlement using the terminal device 100 may be one using a store terminal installed in Store A. For example, the terminal device 100 displays user identification information for identifying the user U on the screen. In such a case, the store terminal installed in Store A reads the user identification information displayed on the terminal device 100, and transmits settlement information indicating the user identification information (or the information indicated by the user identification information, that is, the information indicating the user U (for example, user ID)), the settlement amount, and the information for identifying Store A to the server device 10. In such a case, the server device 10 moves the electronic money of the amount indicated by the settlement amount from the account of the user U indicated by the user identification information to the account of Store A, and notifies that the settlement has been made by outputting a screen or a predetermined sound indicating that the settlement has been completed to the store terminal or the terminal device 100 of Store A.

[0019] Further, the settlement using the terminal device 100 may be not only a process of moving electronic money from the account where the user U has pre-charged electronic money to the account of Store A, but also, for example, a settlement using a credit card pre-registered by the user U. In such a case, for example, the terminal device 100 may move the electronic money of the settlement amount to the account of Store A and bill the operation company of the credit card of the user U for the settlement amount.

[0020] As described above, in the settlement using the terminal device 100, the settlement application withdraws the electronic money corresponding to the settlement amount from the user account and manages it as the sales information of the franchise store (different from the deposit to the franchise store account). Also, at a predetermined timing, based on the sales information, cash of the amount obtained by subtracting the management fee from the sales is deposited into the bank account of the franchise store. Note that the electronic money may be deposited from the user account into the electronic money account of the franchise store managed by the franchise store, and the franchise store may obtain the fee from the franchise store account managed by the franchise store at the time of deposit or at a predetermined timing.

[0021] Furthermore, the payment methods and services described above are not limited to those for the purchase of goods or the provision of services (settlement of debts). For example, the payment methods and services described above may also have functions related to transfers between accounts held by multiple users. In other words, the payment methods and services described above are services that control the sending and receiving of electronic money between accounts of any owner linked to the owner of the electronic money, such as a user or a store. That is, the payment methods and services according to the embodiment may be provided in any manner as long as they are transaction means or transaction services that perform various controls to realize the exchange of electronic money (not only various inter-account transfer controls via electronic money, but also controls related to exchanges between electronic money accounts and bank accounts, various debt processing such as installment payments and bonus payments, and various other controls related to the exchange of assets including electronic money).

[0022] Furthermore, the various controls implemented by such transaction means and transaction services may include both settlement controls and remittance controls, or they may include only one or the other. In other words, "transaction" is a concept that includes not only "settlement" of electronic money, but also "remittance" of electronic money and various other processes. That is, the server device 10 may be an information processing device that implements a transaction means for controlling the exchange of electronic money between any two owners.

[0023] For example, when transaction information related to electronic money transactions such as payments and remittances is generated, the server device 10 receives an option from the user to choose whether or not to receive a profit based on the transaction information. If the user chooses to receive a profit, the server device 10 grants the user the profit for the transaction. If the user chooses not to receive a profit, the server device 10 will grant the user a more favorable profit based on the user's actions in the transaction service.

[0024] [1-2. Accounts with limited use] In this embodiment, the server device 10 manages, for each target user, two separate electronic money accounts that can be used for electronic payments with the payment app: a regular account for electronic payments with no restrictions on the purpose of use (regular account) and an electronic payment account limited to a specified purpose of use (purpose-restricted account). The server device 10 also manages purpose-restricted accounts according to their purpose. Therefore, there are as many purpose-restricted accounts as there are specified purposes. In other words, for each individual user, the server device 10 manages both a regular account and multiple purpose-restricted accounts prepared for each purpose of use.

[0025] Furthermore, a limited-use account may be an electronic money account that can only be used for payments at designated stores or facilities, or an electronic money account that can only be used for payments on designated goods or services. Conversely, a limited-use account may be an electronic money account that cannot be used for payments at designated stores or facilities, or an electronic money account that cannot be used for payments on designated goods or services.

[0026] The server device 10 will use the electronic money charged to the regular account and the limited-use account as appropriate to complete the payment. For example, if the payment amount is 1,000 yen and 2,000 yen is charged to the regular account, the server device 10 will complete the payment using only the electronic money charged to the regular account. Alternatively, if the payment amount is 1,000 yen, but only 200 yen is charged to the regular account and 1,000 yen is charged to the usable limited-use account, the server device 10 may complete the payment using the 200 yen from the regular account and the 800 yen from the limited-use account, or it may complete the payment using the 1,000 yen from the limited-use account.

[0027] [1-3. Benefits provided to users] In the payment processing implemented by the server device 10 described above, various benefits may be provided to the user upon the completion of a payment. For example, in such payment processing, points may be awarded in an amount corresponding to the payment amount (e.g., 2 percent of the payment), which can be used for payments at a predetermined rate (e.g., 1 point = 1 yen) at the time of payment. In addition, in payment processing, a lottery may be held at the time of payment, and a large amount of points may be awarded to the winner. Such points are not provided at the time of payment, but rather after a predetermined period (e.g., one month) has elapsed since the payment, and are available to the user. Furthermore, in payment processing, if the user makes a predetermined number of payments within a predetermined period, or if the total amount of payments within a predetermined period exceeds a predetermined threshold, bonus points, which are more points than usual, may be provided.

[0028] Furthermore, the server device 10 may award points with restricted usage. For example, points that can only be used for payments at designated stores, points that can only be used for payments for purchasing designated items, points that can only be used within a designated period, points that cannot be sent to others, or points that cannot be used for payments for electronically distributed invoices such as water bills.

[0029] These points are charged to a points account (points wallet), but they may also be deposited into a regular account similar to electronic money, or into a limited-use account. Furthermore, the points account may include accounts where points that are used preferentially are charged, like a regular account, or accounts where points with limited usage rights are charged, like a limited-use account.

[0030] The server device 10 automatically determines which electronic money and points to use at the time of payment based on restrictions attached to such points, the balance in each account, and the usage priority set in advance for each account, and then realizes payment using the determined electronic money and points. For example, if the user has set the server device 10 to use points preferentially, the server device 10 automatically performs a process in which the user pays part of the payment amount using all of the points they possess, and the remaining amount is paid with electronic money charged to the user's regular account or limited-use account.

[0031] In addition to the points mentioned above, the server device 10 may also provide users with benefits such as electronic money awarded to users through cashback campaigns. Thus, the server device 10 may provide users with any benefits that can be applied to all or part of the payment amount at the time of payment, and that are awarded after a predetermined period has elapsed since the payment (i.e., that become available to the user after a predetermined period has elapsed since the payment), in any manner.

[0032] [1-4. Overview of the processes performed by server device 10] Here, the server device 10 performs the following processing in order to improve user convenience regarding the use of points and other benefits.

[0033] For example, when the server device 10 receives payment information indicating payment made using a terminal device, it executes payment processing according to the payment information and presents to the user the details of the benefits to be provided to the user after a predetermined period has elapsed as a result of the payment upon completion of the payment. Then, when the server device 10 receives a specification of the purpose for which the benefits will be used, if it is to provide benefits, it executes provision processing to provide the benefits according to the accepted purpose of use.

[0034] Furthermore, when the server device 10 receives payment information indicating payment made using a terminal device, it executes payment processing according to the payment information and, based on the content of the payment, selects candidate uses for the benefits to be provided to the user after a predetermined period has elapsed. The server device 10 then executes a presentation process to present to the user, upon completion of the payment, the content of the benefits to be provided to the user after a predetermined period has elapsed as a result of the payment, and the selected candidate uses for the benefits.

[0035] The following describes an example of the provision and presentation processes using Figure 1. For example, user U using terminal device 100 launches a predetermined application and photographs QR code C1 installed at store A. Here, QR code C1 is a QR code that shows store identification information to identify store A. In such a case, terminal device 100 obtains the store identification information from QR code C1 (step S1).

[0036] Next, the terminal device 100 receives input of the payment amount from user U. Then, the terminal device 100 transmits user identification information that identifies user U, store identification information, and payment information indicating the payment amount to the server device 10 (step S2). In this case, the server device 10 performs payment processing based on the payment information (step S3). For example, the server device 10 moves electronic money equivalent to the payment amount from the account linked to the user identification information to the account indicated by the store identification information.

[0037] Next, the server device 10 identifies the details of the benefits provided by the payment (step S4). For example, the server device 10 may identify points equivalent to a predetermined percentage of the payment amount as benefits. Alternatively, the server device 10 may conduct a lottery, and if the user wins, identify points awarded to the user as bonus points as benefits.

[0038] Here, the server device 10 selects candidate uses for the profits based on the payment history (step S5). For example, the server device 10 selects a candidate use for the points provided as profits from a variety of candidate uses, such as charging them to a regular account, saving them, investing them in various ways, or donating them, based on the payment history, which is likely to be the use that the user would choose. Details of this selection process will be described later.

[0039] Next, the server device 10 notifies the terminal device 100 of the completion of payment, shows the details of the identified benefit and the candidate for the selected purpose of use, and displays content for accepting the specification of the purpose of use (step S6). In this case, the terminal device 100 accepts the user's selection of the purpose of use for the benefit and transmits the accepted purpose of use to the server device 10. As a result, the server device 10 can obtain the purpose of use for the benefit that will be provided to the user at a later date through payment (step S7).

[0040] In such cases, the server device 10 stores the benefits to be provided to the user at a later date in association with the specified purpose of use. Then, when the server device 10 provides benefits to the user, it provides the benefits to the user according to the specified purpose of use (step S8).

[0041] In the example shown in Figure 1, an example of a process in which a payment is made triggered by the terminal device 100 reading a QR code installed in the store and obtaining payment information from the terminal device 100 (hereinafter collectively referred to as "user scan") is shown, in which a benefit such as points is awarded to the user. However, the embodiments are not limited to this. For example, the server device 10 may provide a benefit such as points to the user in a process in which a payment is made triggered by the store terminal installed in the store reading user identification information displayed on the terminal device 100 and obtaining payment information from the store terminal (hereinafter collectively referred to as "store scan"). In the case of such a store scan, when the payment is completed, the server device 10 notifies the store terminal that the payment has been completed, and provides the terminal device 100 linked to the user identification information included in the payment information with content to accept the specification of the purpose of use along with the payment completion notification, and later awards points to the user linked to the user identification information.

[0042] [1-5. Regarding the processing of the service] Next, we will explain specific examples of the processing performed by the server device 10. Note that the following examples are merely illustrative, and the server device 10 may award points for any purpose that can be pre-configured by the user.

[0043] For example, if a large amount of points are offered through a lottery held at the time of payment, users may request to accumulate the points without using them. Therefore, if the user specifies at the time of payment that they wish to accumulate the points without using them, the server device 10 may provide the points to be accumulated until the user specifies that they wish to use them. For example, the server device 10 may create a limited-use account to which points that will not be used unless specified by the user are charged, and charge the points to such a limited-use account. Points charged to such a limited-use account will be used for payment only if the user sets the system to use the points charged to such a limited-use account at the time of payment, and may not be automatically applied to the payment.

[0044] Furthermore, for example, a user may want to accumulate points to purchase expensive items such as televisions. Therefore, if the user specifies at the time of payment that they want to use the profits to purchase a predetermined payment item, the server device 10 will provide the profits as the item to be used when the user purchases the predetermined payment item. To give a more specific example, if the server device 10 provides points, it will charge the points to a usage-limited account specified by the user. For example, the server device 10 could, for instance, present the user with a list of usage-limited accounts that the user has set up in advance, accept the user's specification of which usage-limited account to charge the points to at the time of payment, and then, when awarding the points, charge the points to the usage-limited account that was selected at the time of payment.

[0045] Furthermore, for example, a user may request to use points first. Therefore, if the server device 10 receives a request to use profits first, it will provide profits as the priority item to be used during settlement. For example, if the server device 10 provides points, it may charge the points to the user's regular account, or it may charge the points to a limited-use account where the points to be used first are charged. Here, the server device 10 may perform settlement by combining points charged to the regular points account and electronic money charged to the regular electronic money account. For example, the server device 10 may use points from the regular account first for settlement, and if the settlement amount cannot be covered by all points, it may use the electronic money from the regular account to complete the settlement.

[0046] Furthermore, investment services using points may be provided. For example, the server device 10 allows users to use investment services provided by an investment service provider by transferring points or electronic money owned by the user to the investment service provider's account. In such cases, the user can accept various investment services provided by the investment service provider (for example, the purchase of various financial products such as stock investments). Therefore, if the server device 10 receives a designation from the user to invest profits, it may provide profits as investment targets. For example, at the timing of point accrual after a predetermined period has elapsed since settlement, the server device 10 may charge the points to the investment service provider's account as a deposit from the user, rather than charging the points to the user's various accounts. It should be noted that any form of investment using points can be adopted. For example, the user may designate a lump-sum investment of points, or they may designate a portion of the points to be invested in a first financial product and another portion in a second financial product.

[0047] Furthermore, there may be requests from users to donate their points to various organizations. Therefore, if the server device 10 receives a request to donate profits, it may donate the profits to a designated recipient. For example, the server device 10 may charge points to the account of a recipient designated by the user, or to a recipient selected according to predetermined rules. In this case, the server device 10 may estimate a recipient that the user is likely to wish to donate to, for example, based on the user's purchase history or donation history, and charge points to the estimated recipient's account, or display a message prompting the user to donate to the estimated recipient at the time of payment.

[0048] In addition to the purposes mentioned above, the server device 10 may also accept the user's designation of any purpose for using the points provided after a predetermined period has elapsed since payment. For example, if the server device 10 accepts a designation to save points to purchase goods sold in the online shopping mall, it may charge the points to an account pre-linked to such goods. In such a case, when the sum of the amount of points charged to such account and the amount of electronic money charged to an account linked to the same goods exceeds the price of the goods, the server device 10 may notify the user that the goods are available for purchase, and if the user approves the purchase, it may process the purchase of the goods using these points and electronic money. Furthermore, if the server device 10 accepts a designation to save points to make a down payment for purchasing a vehicle, it may charge the points to an account for that purpose.

[0049] Points are awarded to users after a predetermined period has elapsed since the user made the payment. However, depending on the details of the payment, points may not be awarded to the user. For example, if the entire payment amount is paid with points, the user may not receive any points for that payment. In such cases, the server device 10 may simply notify the user that the payment is complete, without accepting a selection of the purpose of use, and without awarding any points. Also, for example, if part of the payment is paid with points and the remainder with electronic money, the server device 10 may accept a selection of the purpose of use only for the points paid with electronic money.

[0050] The server device 10 may accept a designation of the purpose of use each time a payment is made and points are awarded to the user as a result of that payment. The server device 10 may also accept a designation of the purpose of use from the user for each type of payment. For example, if the server device 10 receives a designation that points awarded through payment at a designated store should be included in the investment, it may automatically include the points in the investment without accepting a designation of the purpose of use each time a payment is made at such a store. Furthermore, if the server device 10 receives a designation that points exceeding a predetermined amount should be included in the investment, it may automatically include the points in the investment if the points exceed the predetermined amount, without accepting a designation of the purpose of use each time a payment is made.

[0051] Furthermore, the server device 10 may accept the designation of a purpose of use that is valid for a predetermined period. For example, if a user designates points as the target of the operation, the server device 10 may automatically designate points as the target of the operation for a predetermined period from the time of the designation, without accepting the designation of a purpose of use each time a payment is made.

[0052] In addition to the above, the server device 10 may award points according to the purpose of use that the user has previously set in association with the purchase conditions, when the predetermined purchase conditions set by the user are met. That is, when the server device 10 receives a specification from the user of a combination of purchase conditions and the purpose of use of the points, it may automatically award points to the user as points for the purpose of use associated with those purchase conditions when certain purchase conditions are met.

[0053] [1-6. Regarding the presentation process] It is considered cumbersome for users to select the purpose of use each time they make a payment. Therefore, the server device 10 may estimate the purpose of use that the user is likely to select based on the content of the payment, and provide the user with content to accept the setting of the estimated purpose of use.

[0054] For example, if a user wins a lottery or similar prize, they are likely to want to accumulate or manage their points. Therefore, the server device 10 may present content for accepting point accumulation or content for specifying which points to manage when a user wins a lottery or when the amount of points exceeds a predetermined threshold during payment. In addition to this, the server device 10 may select as candidates the user is likely to choose as a purpose of use, based on the user's attributes, payment amount, store where the payment was made, payment target, payment date and time, etc., and provide the user with content for accepting the setting of the selected purpose of use.

[0055] Here, the server device 10 selects candidate usage purposes based on various histories in order to select usage purposes that are likely to be chosen by the user. For example, the server device 10 may select candidate usage purposes based on the history of usage purposes specified by the user who made the payment. For example, if the user has selected to accumulate points in the last 10 payments, the server device 10 may select "accumulating points" as a candidate usage purpose. Alternatively, the server device 10 may select candidate usage purposes based on the history of usage purposes specified by other users with similar attributes to the user who made the payment. To give a more specific example, the server device 10 may select as a candidate the usage purpose that has been selected most frequently or the usage purpose that has been selected the most often among the usage purposes selected by users with similar attributes to the user who made the payment.

[0056] Furthermore, the server device 10 may select as candidates the purpose of use that is most frequently selected during the time period in which the payment was made, or the purpose of use that is most frequently selected when the store where the payment was made, the payment amount, and the amount of points awarded are similar. In addition, the server device 10 may select as candidates the purpose of use depending on the user's situation, such as the remaining balance of points available to the user at the time of payment. For example, if the difference between the total amount of points saved and the target amount is below a predetermined threshold, the server device 10 may select savings as a candidate purpose of use, and if the difference between the points in a limited-use account for purchasing a certain product and the price of such product is below a predetermined threshold, the server device 10 may select the purchase of such product as a candidate purpose of use.

[0057] In other words, the server device 10 can learn the relationship between the content of the payment and the purpose of use specified at the time of payment, and select candidate purposes of use based on the learned relationship. Alternatively, the server device 10 may select a purpose of use based on the relationship between multiple pieces of information from the various payment-related information described above (payment amount, payment destination, payment target, amount of points awarded, user attributes, time of day, point status at the time of payment, etc.) and the specified purpose of use.

[0058] Furthermore, the server device 10 may select multiple candidates for the purpose of use and provide content that displays the selected candidates side by side. In this case, the server device 10 may select a predetermined number of candidates in order of likelihood of being selected by the user, and provide content that displays the selected candidates in order of likelihood of being selected by the user.

[0059] For example, Figure 2 shows an example of a candidate usage purpose presented in the content provided by the server device. Figure 2 also shows an example of content C10 presented to the first user and content C20 presented to the second user.

[0060] For example, contents C10 and C20 include the store where the payment was made, the payment amount, and a statement that the payment has been completed. In addition, contents C10 and C20 contain point content C11, which shows the amount of points that will be provided to the user at a later date as a result of the payment. Here, the server device 10 estimates, based on the history of usage purposes specified by the first user and the details of the payment, that the first user is most likely to accumulate points, the second most likely to use points for payment, and the third most likely to invest the points. In such a case, as shown in content C10 of Figure 2, the server device 10 provides content C10, which is arranged in the order of content C12, content C13, and content C14, with designated content C12 specifying that the usage purpose is to accumulate points, designated content C13 specifying that the usage purpose is to use points for payment, and designated content C14 specifying that the usage purpose is to invest the points.

[0061] On the other hand, the server device 10 estimates, based on the usage history and payment details specified by the second user, that the second user is most likely to use points for payment, the second most likely to accumulate points, and the third most likely to invest points. In such a case, the server device 10 provides content C10, which arranges content C12 to C14 in the order of content C13, content C12, and content C14, as shown in content C20 in Figure 2.

[0062] The server device 10 may also display the candidate purposes of use in order according to the content of the payment. For example, the server device 10 may display them in order according to the payment amount, payment timing, etc. More specifically, the server device 10 may display the purposes of use specified by all users when making similar payments, in order of the number of times they have been used. The server device 10 may also display the purposes of use in order according to the content of the benefits provided to the user after a predetermined period has elapsed following the payment. For example, the server device 10 may display the purposes of use specified by all users when similar amounts of points are awarded, in order of the number of times they have been used. The server device 10 may also display the purposes of use in order according to the content of the campaign offered at the time the payment was made. For example, the server device 10 may display the purposes of use specified by all users when similar campaigns are being held, in order of the number of times they have been used.

[0063] In addition to the above, the server device 10 may display, in a predetermined order, the purpose of use set according to the context of various payments, such as the payment details and any campaigns that were running at the time of payment, rather than the selection history of each user. In other words, the server device 10 may change the purpose of use selected to be presented to the user according to the context of the payment, and may also change the order in which the selected purpose of use is displayed according to the context of the payment.

[0064] [2. Example of Server Device Configuration] Next, the configuration of the server device 10 according to the embodiment will be described using Figure 3. Figure 3 is a diagram showing an example of the configuration of the server device according to the embodiment. As shown in Figure 3, the server device 10 comprises a communication unit 20, a storage unit 30, and a control unit 40.

[0065] The communication unit 20 is implemented, for example, by a NIC (Network Interface Card). The communication unit 20 is connected to the network N by wire or wireless connection and controls communication between the terminal device 100 and the server device 10.

[0066] The storage unit 30 is implemented by, for example, semiconductor memory elements such as RAM (Random Access Memory) and flash memory, or by storage devices such as HDDs, SSDs, and optical discs. As shown in Figure 3, the storage unit 30 has an account database 31, a user information database 32, and a profit database 33.

[0067] The account database 31 contains information on various accounts. For example, Figure 4 shows an example of the account database. As shown in Figure 4, the account database 31 has items such as "Wallet ID (Identifier)", "Identification Information", "Balance", and "Type Information". "Wallet ID" is information used to identify the account. "Identification Information" is user identification information or store identification information linked to the account. "Balance" is information indicating the balance of electronic money or points charged to the account. "Type Information" is information indicating whether the account is a regular account, whether it is a limited-use account, and the purpose of use, etc.

[0068] For example, in the example shown in Figure 4, the account indicated by wallet ID "WID#1" is the account of the user indicated by identification information "UID#1", has a balance of "2000 yen", and is the account with the identification information "main", i.e., a regular account. In addition to the information shown in Figure 3, the account database 31 may also have items indicating, for example, whether the amount charged to the account is electronic money or points.

[0069] The user information database 32 stores various types of information related to the user's purchase history. For example, Figure 5 shows an example of the user information database. As shown in Figure 5, the user information database 32 has items such as "Identification Information," "Purchase History," and "Selection History." "Identification Information" is the user identification information. "Purchase History" is information that shows the history of payments made by the user indicated by the associated user identification information, such as the date and time of payment, the amount of payment, and the store where the payment was made. "Selection History" is information that shows the purpose for which the user selected to use the points when the payment indicated by the associated "Purchase History" was made.

[0070] For example, in the example shown in Figure 5, the user identified by the identification information "UID#1" made a payment as indicated by the purchase history "Purchase History#1-1," and specified the purpose of use indicated by the selection history "Purpose of Use#1-1" as the purpose for which points to be provided at a later date would be used. In addition to the information shown in Figure 5, various other arbitrary information may be registered in the user information database 32.

[0071] The profit database 33 registers the content of the profits that will be provided to the user in the future, along with the purpose of use specified by the user for those profits. For example, Figure 6 is a diagram showing an example of a profit database. As shown in Figure 6, the profit database 33 has items such as "profit ID," "identification information," "profit content," "purpose of use," and "scheduled date and time of provision."

[0072] "Benefit ID" is identification information used to identify the benefit to be provided to the user at a later date. "Identification Information" is the user identification information of the user to whom the benefit will be provided. "Benefit Details" is the content of the benefit to be provided at a later date, for example, the amount of points. "Purpose of Use" is the purpose of use selected by the user for the associated benefit. "Scheduled Provision Date and Time" is the date and time on which the associated benefit will be provided.

[0073] For example, in the example shown in Figure 6, the profit indicated by profit ID "BID#1" is the profit provided to the user indicated by identification information "UID#1", and the amount of points indicated by profit details "243" is shown. Also, in the example shown in Figure 6, the user has specified the purpose of use "Savings" for the profit indicated by profit ID "BID#1", and the date and time of provision of this profit is the scheduled provision date and time "Date and Time #1". In addition to the information shown in Figure 6, the profit database 33 may also register other information, such as the settlement ID of the transaction that triggered the provision of the profit.

[0074] (Control Unit 40) Returning to Figure 3, let's continue the explanation. The control unit 40 is a controller, and is realized by various programs (corresponding to an example of an information processing program) stored in the internal memory of the server device 10, which are executed using a memory area such as RAM as the working area, by means of a CPU (Central Processing Unit), MPU (Micro Processing Unit), ASIC (Application Specific Integrated Circuit), FPGA (Field Programmable Gate Array), etc. In the example shown in Figure 3, the control unit 40 has a settlement processing unit 41, a specific unit 42, a selection unit 43, a presentation unit 44, a reception unit 45, and a provision unit 46.

[0075] When the payment processing unit 41 receives payment information indicating a payment made using a terminal device used by a user, it executes payment processing according to the payment information. For example, the payment processing unit 41 receives payment information from the terminal device 100 or store terminal, including user identification information to identify the user, payment destination identification information to indicate the payment destination, and the payment amount. In such a case, the payment processing unit 41 refers to the account database 31 and moves the electronic money or points from the account linked to the user identification information, corresponding to the payment amount received as payment information, to the account linked to the payment destination identification information. If the payment is completed successfully, the payment processing unit 41 notifies the terminal device 100 or store terminal that the payment has been completed. On the other hand, if the payment is not completed successfully due to insufficient balance or other reasons, the payment processing unit 41 notifies the terminal device 100 or store terminal accordingly.

[0076] The identification unit 42 identifies the details of the benefits to be awarded to the user at a later date in response to the payment. For example, the identification unit 42 identifies the amount of points to be awarded to the user at a later date based on the payment amount, user information, etc. In addition, if the identification unit 42 awards additional points to the user through, for example, a lottery or campaign, it also identifies the amount of such points.

[0077] The selection unit 43 selects candidate purposes for which the benefits to be provided to the user after a predetermined period has elapsed, based on the details of the payment. For example, the selection unit 43 may refer to the user information database 32 and select candidate purposes based on the user's history of specifying purposes for use. Alternatively, the selection unit 43 may select candidate purposes for use based on the relationship between the details of the payment and the purpose for use specified at the time of payment. Specifically, the selection unit 43 may select candidate purposes for use based on the relationship between at least one of the details of the payment, such as the payment amount, payment recipient, payment target, or the status of benefits at the time of payment, and the specified purpose for use.

[0078] Here, the selection unit 43 may select multiple candidate purposes of use. For example, the selection unit 43 may select a predetermined number of candidate purposes of use in order of likelihood of being selected by the user. In addition to these processes, the selection unit 43 may also select one or more purposes of use as candidates, depending on the various contexts of the payment, that are estimated to be likely to be selected by the user.

[0079] The presentation unit 44 presents to the user, upon completion of payment, the details of the benefits to be provided to the user after a predetermined period has elapsed following payment. In addition, the presentation unit 44 presents to the user, along with the details of the benefits to be provided to the user after a predetermined period has elapsed following payment, as well as the selected candidate uses of the benefits upon completion of payment. For example, the presentation unit 44 transmits and displays the contents C10 and C20 shown in Figure 2 to the terminal device 100 upon completion of payment.

[0080] Here, if multiple candidate purposes of use are selected, the display unit 44 may display the candidate purposes of use in order from the one most likely to be selected by the user. Alternatively, the display unit 44 may display the candidate purposes of use in order according to the details of the payment, such as the payment amount in the payment that triggered the profit. Alternatively, the display unit 44 may display the candidate purposes of use in order according to the details of the profit, such as the amount of points. Alternatively, the display unit 44 may display the candidate purposes of use in order according to the details of the campaign offered at the time the payment was made.

[0081] The reception unit 45 accepts the designation of the purpose of use of the profits. For example, the reception unit 45 obtains information from the terminal device 100 indicating the purpose of use selected by the user via the contents C10 and C20. Here, if the user designates donation as the purpose of use, the reception unit 45 may transmit information indicating candidate recipients to the terminal device 100 and further accept the designation of a recipient via this information. The reception unit 45 then registers the designated purpose of use and the profits for which that purpose of use is designated in the profit database 33.

[0082] When the provision unit 46 provides a benefit, it provides the benefit according to the accepted purpose of use. For example, the provision unit 46 refers to the benefit database 33 and identifies the benefit for which it is time to provide. Then, the provision unit 46 provides the benefit to the user according to the purpose of use associated with the identified benefit.

[0083] For example, if the provisioning unit 46 receives a designation that the profits should be saved rather than used, it provides the profits as something to be saved until the user designates that they will use them. For example, the provisioning unit 46 charges the points to a savings-only account that will not be used for payment until designated by the user (for example, not automatically used when the balance in the regular account is insufficient).

[0084] Furthermore, if the provisioning unit 46 receives a designation that the profits be used to purchase a predetermined payment item, it provides the profits in a manner that the user will use when purchasing the predetermined payment item. For example, the provisioning unit 46 charges points to a limited-use account designated by the user for purchasing the predetermined payment item.

[0085] Furthermore, if the provisioning unit 46 receives a designation to use the profits preferentially, it provides the profits as the target for preferential use at the time of settlement. For example, the provisioning unit 46 charges points to the regular account or an account that is automatically used when the balance in the regular account is insufficient.

[0086] Furthermore, if the provisioning unit 46 receives a designation to invest the profits, it will provide the profits as investment targets. For example, the provisioning unit 46 may charge points to the account of the business operator providing the investment service, discard the points, and process a deposit of the points from the payment service provider to the business operator providing the investment service.

[0087] Furthermore, if the provision unit 46 receives a designation that the profits be donated, it will donate the profits to a designated charity. For example, the provision unit 46 may charge points to the charity account selected by the user and notify the user accordingly.

[0088] As described above, the service provider 46 only needs to perform point charging and deposit processing so that the points are used for the purpose specified by the user. If such processing is performed, the service provider 46 may charge points to any account in order to achieve any purpose. For example, the service provider 46 may charge points to the account of another user selected by the user.

[0089] Furthermore, if no benefit such as points is generated as a result of the user's payment, the service provider 46 does not have to grant any benefits. Also, if the user does not select a purpose of use, the service provider 46 may charge the points to a predetermined account, such as a regular account, or may charge points according to a purpose of use that is presumed to be likely to be specified by the user, depending on the payment details, etc.

[0090] [3. Processing Procedure] Next, the processing procedure by the server device 10 according to the embodiment will be described using Figure 7. Figure 7 is a flowchart showing the processing flow according to the embodiment.

[0091] For example, the server device 10 determines whether or not it has received payment information (step 101), and if it has received payment information (step S101: Yes), it executes the payment process (step S102). Next, the server device 10 identifies the benefits to be provided in connection with the payment (step S103). Then, the server device 10 selects candidate purposes for which the benefits can be used (step S104), and provides the candidate purposes for which the benefits can be used and the details of the benefits (step S105). Next, the server device 10 determines whether or not it has received the purpose of use (step S106), and if it has received it (step S106: Yes), it links the benefits with the purpose of use (step S107). On the other hand, if the server device 10 has not received the purpose of use (step S106: No), it skips step S107.

[0092] Next, the server device 10 determines whether it is time to provide the benefit (step S108). If it is not time to provide the benefit (step S108: No), it executes step S101. If the server device 10 has not received payment information (step S101: No), it executes step S108. If it is time to provide the benefit (step S108: Yes), the server device 10 provides the benefit to the user as a benefit for the associated purpose of use (step S109) and terminates the process.

[0093] [4. Variations] The server device 10 described above may be implemented in various other forms besides the embodiment described above. Therefore, modifications of the embodiment will be described below.

[0094] In the above embodiment, some or all of the processing performed by the server device 10 may actually be performed by the terminal device 100. For example, the processing may be completed in a standalone manner (by the terminal device 100 alone). In this case, the terminal device 100 is assumed to have the functions of the server device 10 in the above embodiment. Furthermore, in the above embodiment, since the terminal device 100 is in cooperation with the server device 10, from the perspective of the user U, it appears as if the processing of the server device 10 is also being performed by the terminal device 100. In other words, from another perspective, it can be said that the terminal device 100 is equipped with the server device 10.

[0095] [5. Effects] As described above, when the server device 10 of the present invention receives payment information indicating a payment made using a terminal device 100 used by a user, it executes payment processing according to the payment information, presents to the user the details of the benefits to be provided to the user after a predetermined period has elapsed since the payment, accepts the user's designation of the purpose of use of the benefits, and, if benefits are to be provided, provides the benefits according to the accepted purpose of use. As a result of such processing, the server device 10 can improve the convenience of payment by allowing the user to specify the purpose of use in advance if the benefits to be provided to the user after a predetermined period has elapsed since the payment are greater than anticipated in the lottery, etc.

[0096] For example, if the server device 10 receives a designation to save the profits without using them, it will provide the profits as something to be saved until the user designates that they will use them. Also, if the server device 10 receives a designation to use the profits to purchase a predetermined payment item, it will provide the profits in a manner that the user can use when purchasing the predetermined payment item. Also, if the server device 10 receives a designation to use the profits preferentially, it will provide the profits as something to be used preferentially at the time of payment. Also, if the server device 10 receives a designation to invest the profits, it will provide the profits as something to be invested. Also, if the server device 10 receives a designation to donate the profits, it will donate the profits as something to be donated to a predetermined recipient. More specifically, the server device 10 may further accept designations for a recipient and donate the profits as something to be donated to the designated recipient. Furthermore, if the server device 10 has already provided the profits to the user, it may not provide any further profits if the payment has been made using only the profits already provided to the user.

[0097] As a result of this processing, the server device 10 can receive specifications for various purposes from the user and automatically provide benefits such as points to be used for the specified purposes.

[0098] Furthermore, when the server device 10 receives payment information, including user identification information to identify the user, payment destination identification information to indicate the payment destination, and the payment amount, it transfers the electronic money equivalent to the payment amount received as payment information from the electronic money in the account linked to the user identification information to the account linked to the payment destination identification information. In this way, the server device 10 can realize payments using the user's terminal device and provide benefits such as points according to the user's purpose.

[0099] Furthermore, when the server device 10 receives payment information indicating a payment made using the terminal device 100 used by the user, it executes payment processing according to the payment information, selects candidate uses for the benefits to be provided to the user after a predetermined period has elapsed based on the payment details, and presents the user with the details of the benefits to be provided to the user after the predetermined period has elapsed as a result of the payment, along with the selected candidate uses, upon completion of the payment. The server device 10 also accepts the specification of the use of the payment, and if benefits are to be provided, provides the benefits according to the accepted use. As a result of this processing, the server device 10 can display appropriate candidates to the user when selecting benefits such as points to be provided at a later date, and allow the user to specify the purpose.

[0100] Furthermore, the server device 10 selects candidate purposes of use based on the history of specified purposes of use. For example, the server device 10 selects candidate purposes of use based on the relationship between the content of the payment and the purpose of use specified at the time of payment. Alternatively, for example, the server device 10 selects candidate purposes of use based on the relationship between the content of the payment, at least one of the following: payment amount, payment destination, payment target, or the profit situation at the time of payment, and the specified purpose of use. In this way, the server device 10 can present as candidates purposes of use that are likely to be specified by the user.

[0101] Furthermore, the server device 10 selects multiple candidate purposes for use and presents the selected candidates in a list. For example, the server device 10 selects a predetermined number of candidate purposes for use in order of likelihood of being selected by the user, and displays the candidates in order of likelihood. In this way, the server device 10 can reduce the effort required when selecting a purpose for use.

[0102] Furthermore, the server device 10 may display the selected list of possible uses in an order corresponding to the payment details. Alternatively, the server device 10 may display the selected list of possible uses in an order corresponding to the benefits provided to the user after a predetermined period following the payment. Furthermore, the server device 10 may display the selected list of possible uses in an order corresponding to the campaigns offered at the time of payment. As a result of such processing, the server device 10 can prioritize presenting the list of possible uses that the user is most likely to select, depending on various circumstances.

[0103] [6. Hardware Configuration] Furthermore, the server device 10 according to the above-described embodiment is realized by a computer 1000 having a configuration such as that shown in Figure 8. Figure 8 is a diagram showing an example of a hardware configuration. The computer 1000 is connected to an output device 1010 and an input device 1020, and has a configuration in which an arithmetic unit 1030, a primary storage device 1040, a secondary storage device 1050, an output interface 1060, an input interface 1070, and a network interface 1080 are connected by a bus 1090.

[0104] The arithmetic unit 1030 operates based on programs stored in the primary storage device 1040 and the secondary storage device 1050, as well as programs read from the input device 1020, and executes various processes. The arithmetic unit 1030 can be implemented using, for example, a CPU (Central Processing Unit), an MPU (Micro Processing Unit), an ASIC (Application Specific Integrated Circuit), or an FPGA (Field Programmable Gate Array).

[0105] The primary storage device 1040 is a memory device, such as RAM (Random Access Memory), that temporarily stores data used by the arithmetic unit 1030 for various calculations. The secondary storage device 1050 is a storage device where data used by the arithmetic unit 1030 for various calculations and various databases are registered, and can be implemented using ROM (Read Only Memory), HDD (Hard Disk Drive), SSD (Solid State Drive), flash memory, etc. The secondary storage device 1050 may be internal storage or external storage. The secondary storage device 1050 may also be a removable storage medium such as USB (Universal Serial Bus) memory or SD (Secure Digital) memory card. The secondary storage device 1050 may also be cloud storage (online storage), NAS (Network Attached Storage), file server, etc.

[0106] The output I / F 1060 is an interface for transmitting information to be output to output devices 1010, such as displays, projectors, and printers, and is implemented using connectors of standards such as USB (Universal Serial Bus), DVI (Digital Visual Interface), and HDMI (High Definition Multimedia Interface). The input I / F 1070 is an interface for receiving information from various input devices 1020, such as mice, keyboards, keypads, buttons, and scanners, and is implemented using, for example, USB.

[0107] Furthermore, the output interface 1060 and input interface 1070 may be wirelessly connected to the output device 1010 and input device 1020, respectively. In other words, the output device 1010 and input device 1020 may be wireless devices.

[0108] Furthermore, the output device 1010 and the input device 1020 may be integrated as a touch panel. In this case, the output I / F 1060 and the input I / F 1070 may also be integrated as an input / output I / F.

[0109] The input device 1020 may also be a device that reads information from, for example, an optical recording medium such as a CD (Compact Disc), DVD (Digital Versatile Disc), or PD (Phase Change Rewritable Disk), a magneto-optical recording medium such as an MO (Magneto-Optical disk), a tape medium, a magnetic recording medium, or a semiconductor memory.

[0110] The network interface 1080 receives data from other devices via network N and sends it to the computing unit 1030, and also transmits data generated by the computing unit 1030 to other devices via network N.

[0111] The arithmetic unit 1030 controls the output device 1010 and the input device 1020 via the output interface 1060 and the input interface 1070. For example, the arithmetic unit 1030 loads a program from the input device 1020 or the secondary storage device 1050 onto the primary storage device 1040 and executes the loaded program.

[0112] For example, when computer 1000 functions as a server device 10, the arithmetic unit 1030 of computer 1000 realizes the functions of the control unit 130 by executing a program loaded onto the primary storage device 1040. Alternatively, the arithmetic unit 1030 of computer 1000 may load a program obtained from another device via the network interface 1080 onto the primary storage device 1040 and execute the loaded program. Furthermore, the arithmetic unit 1030 of computer 1000 may cooperate with other devices via the network interface 1080 and call and use program functions, data, etc., from other programs on other devices.

[0113] [7. Other] Although embodiments of the present invention have been described above, the present invention is not limited by the content of these embodiments. Furthermore, the aforementioned components include those that can be easily conceived by those skilled in the art, those that are substantially the same, and those that fall within the so-called equivalent range. Moreover, the aforementioned components can be combined as appropriate. Furthermore, various omissions, substitutions, or modifications of the components can be made without departing from the gist of the embodiments described above.

[0114] Furthermore, among the processes described in the above embodiments, all or part of the processes described as being performed automatically can be performed manually, or all or part of the processes described as being performed manually can be performed automatically by known methods. In addition, the processing procedures, specific names, and information including various data and parameters shown in the above document and drawings can be arbitrarily changed unless otherwise specified. For example, the various information shown in each figure is not limited to the information shown.

[0115] Furthermore, the components of each illustrated device are functionally conceptual and do not necessarily need to be physically configured as shown. In other words, the specific forms of distribution and integration of each device are not limited to those shown, and all or part of them can be functionally or physically distributed and integrated in any unit according to various loads and usage conditions.

[0116] For example, the server device 10 described above may be implemented using multiple server computers, and the configuration can be flexibly changed, such as by calling external platforms via APIs (Application Programming Interfaces) or network computing depending on the function.

[0117] Furthermore, the embodiments and modifications described above can be combined as appropriate, provided that the processing content is not inconsistent.

[0118] Furthermore, the terms "section, module, unit" mentioned above can be replaced with "means" or "circuit," etc. For example, the acquisition unit can be replaced with acquisition means or acquisition circuit. [Explanation of Symbols]

[0119] 1. Information Processing System 10 Server devices 20 Communications Department 30 Storage section 31 Account Database 32 User Information Database 33 Profit Database 40 Control Unit 41 Payment Processing Unit 42 Specific part 43 Selection Section 44 Presentation section 45 Reception Department 46 Providing Department 100 terminal devices

Claims

1. When payment information indicating payment using a terminal device used by a user is received, a payment control unit executes payment processing according to the payment information, A special unit identifies the content of a lottery benefit, which is a benefit provided to the user after a predetermined period has elapsed since the settlement, based on the results of a lottery conducted in accordance with the settlement, in addition to the benefit provided to the user in proportion to a predetermined percentage of the settlement amount in the settlement. If the contents of the specified lottery prize meet predetermined conditions, a selection unit selects a candidate for the purpose of use of the lottery prize, A presentation unit presents to the user, upon completion of the settlement, the contents of the specified lottery prize and the candidate for the purpose of use selected by the selection unit. A reception desk that accepts the designation of the purpose for which the lottery winnings will be used, If a predetermined period has elapsed since the settlement process was completed, the Provision Department will provide the user with a predetermined percentage of the settlement amount in the settlement, and will also provide the lottery profit in accordance with the purpose of use accepted by the Reception Department. A presentation device characterized by having the following features.

2. The selection unit selects a candidate for the purpose of using the lottery prize if the value of the points provided to the user as part of the lottery prize exceeds a predetermined threshold. The display device according to feature 1.

3. The selection unit selects a candidate for the purpose of use based on the relationship between at least one of the payment amount, payment destination, payment target, or lottery prize at the time of payment, and the purpose of use selected by the user. The display device according to feature 1.

4. The selection unit selects a number of candidates for the purpose of use. The display unit displays a list of the multiple candidate uses selected by the selection unit. A display device according to any one of features 1 to 3.

5. The selection unit selects a predetermined number of candidate uses in order of likelihood of being selected by the user. The display unit arranges and displays the candidate uses in order from the most likely to be used. The display device according to feature 4.

6. The display unit displays the multiple candidate uses selected by the selection unit in an order corresponding to the content of the payment. The display device according to feature 4.

7. The display unit displays the multiple candidate uses selected by the selection unit in an order corresponding to the content of the benefits to be provided to the user after a predetermined period has elapsed following the settlement. The display device according to feature 4.

8. The display unit displays the multiple candidate uses selected by the selection unit in an order corresponding to the content of the campaign offered at the time of payment. The display device according to feature 4.

9. A presentation method performed by a presentation device, When payment information indicating payment using a terminal device used by the user is received, a payment control process is performed to execute payment processing according to the payment information, A process to identify the content of a lottery benefit, which is a benefit provided to the user after a predetermined period has elapsed since the payment, based on the results of a lottery conducted in accordance with the payment, in addition to the benefit provided to the user in proportion to a predetermined percentage of the payment amount in the payment; If the contents of the specified lottery prize meet predetermined conditions, a selection step is made to select a candidate for the purpose of using the lottery prize, A presentation step which presents to the user, upon completion of the settlement, the contents of the specified lottery prize and the candidate for the purpose of use selected in the selection step. A receiving process for receiving the designation of the purpose for which the lottery winnings will be used, If a predetermined period has elapsed since the settlement process was completed, the system provides the user with a benefit in proportion to a predetermined percentage of the settlement amount, and also provides the lottery benefit in accordance with the purpose of use accepted in the acceptance process. A presentation method characterized by including the following.

10. When payment information indicating payment using a terminal device used by the user is received, a payment control procedure is performed to execute payment processing according to the payment information, A procedure for identifying the content of a lottery benefit, which is a benefit provided to the user after a predetermined period has elapsed since the payment, based on the results of a lottery conducted in accordance with the payment, in addition to the benefit provided to the user in proportion to a predetermined percentage of the payment amount in the payment, If the contents of the specified lottery prize meet the prescribed conditions, a selection procedure for selecting a candidate for the purpose of using the lottery prize, A presentation procedure that presents to the user, upon completion of the payment, the details of the specified lottery prize and the candidate for the purpose of use selected by the selection procedure. The procedure for accepting the designation of the purpose for which the aforementioned lottery winnings will be used, If a predetermined period has elapsed since the settlement process was completed, the user will be provided with a benefit in proportion to a predetermined percentage of the settlement amount, and the lottery benefits will be provided in accordance with the purpose of use accepted through the acceptance procedure. A program that prompts a computer to execute a command.

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