Terminal program, terminal, and information processing method

Abstract

This makes it easier for users to notice content related to the merchant they used. [Solution] The control program PR1 causes the processing unit 11 of the user terminal device 10 to function as an acquisition unit 112, a transmission unit 113, and a display control unit 114. The acquisition unit 112 acquires completion notifications regarding electronic payments performed at the merchant from the payment server 30. When the completion notification is acquired, the transmission unit 113 sends request information and identification information to the recommendation server 40. The request information is information requesting the decision on the advertisement to be displayed on the payment completion screen SC2. The identification information is information that identifies the merchant. The display control unit 114 displays the recommended advertisement on the payment completion screen SC2 based on the recommendation information.

Description

Technical Field

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

Background Art

[0002] Advertisements may be displayed on the payment completion screen of an electronic payment application. For example, Patent Document 1 discloses an advertisement distribution device that displays advertisement content related to stores other than the store used by the user on the payment completion screen when the user's payment behavior based on the payment information history is similar to the payment behavior of a specific user group.

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] In the advertisement distribution device of Patent Document 1, advertisement content related to the store used by the user this time is not displayed on the payment completion screen, so there is a problem that the user misses an opportunity to obtain information about the store.

[0005] The present invention has been made to solve the above problems, and an object thereof is to provide a program for a terminal, a terminal, and an information processing method that can make the user easily notice content related to the franchise store used by the user this time.

Means for Solving the Problems

[0006] A terminal program according to a preferred embodiment of the present invention comprises a processing unit for a terminal held by a user, which includes: an acquisition unit that acquires a completion notification for an electronic payment performed at a merchant from a payment device; a transmission unit that, upon acquisition of the completion notification, transmits to a recommendation device first information requesting the user to determine the content to be displayed on a first screen notifying the user that the electronic payment has been completed, and second information identifying the merchant; and a display control unit that displays the first content on the first screen based on third information relating to the first content determined by the recommendation device based on at least the first information and the second information. The aforementioned completion notice is a notice that informs that the electronic payment has been successfully completed after the electronic payment procedure has been executed. .

[0007] A terminal according to a preferred embodiment of the present invention includes: an acquisition unit that is held by a user and acquires a completion notification from a payment device regarding an electronic payment performed at a merchant; a transmission unit that, upon receiving the completion notification, transmits to a recommendation device first information for requesting the user to determine the content to be displayed on a first screen that notifies the user that the electronic payment has been completed, and second information identifying the merchant; and a display control unit that displays the first content on the first screen based on third information relating to the first content determined by the recommendation device based on at least the first information and the second information. The completion notice is a notice that informs that the electronic payment has been successfully completed after the electronic payment procedure has been executed. .

[0008] A preferred embodiment of the present invention is an information processing method performed by a terminal held by a user, which receives a completion notification from a payment device regarding an electronic payment performed at a merchant, and upon receiving the completion notification, transmits to a recommendation device first information for requesting the user to determine the content to be displayed on a first screen notifying the user that the electronic payment has been completed, and second information identifying the merchant, and the recommendation device displays the first content on the first screen based on third information relating to the first content determined by at least the first information and the second information. death , The aforementioned completion notice is a notice that informs the user that the electronic payment has been successfully completed after the electronic payment procedure has been executed. . [Effects of the Invention]

[0009] According to the terminal program, terminal, and information processing method of the present invention, it is possible to make it easier for users to notice content related to the merchant they used this time. [Brief explanation of the drawing]

[0010] [Figure 1] This diagram shows the overall configuration of the electronic payment management system, including a user terminal device, according to the first embodiment. [Figure 2] Figure 1 is a block diagram showing an example configuration of a user terminal device. [Figure 3] This figure shows an example of a payment screen displayed on the user terminal device's display unit. [Figure 4] This figure shows an example of a payment completion screen displayed on the user terminal device's display. [Figure 5] This figure shows an example of a coupon screen displayed on the user terminal device's display. [Figure 6] Figure 1 is a block diagram showing an example of the store equipment configuration. [Figure 7] This block diagram shows an example configuration of a payment server, as shown in Figure 1. [Figure 8] This block diagram shows an example of the recommended server configuration in Figure 1. [Figure 9] This figure shows an example of a transmission history database according to the first embodiment. [Figure 10] This flowchart shows an example of the operation of the processing unit of a user terminal device. [Figure 11] This flowchart shows an example of how the processing unit of the recommendation server operates. [Figure 12] This is a sequence chart illustrating an example of the operation of an electronic payment management system. [Modes for carrying out the invention]

[0011] 1. First Embodiment The configuration of the electronic payment management system according to the first embodiment of the present invention will be described below with reference to Figures 1 to 12.

[0012] 1.1. Configuration of the First Embodiment 1.1.1. Overall Configuration FIG. 1 is a diagram showing the overall configuration of an electronic payment management system 1 including a user terminal device 10 according to the first embodiment. The electronic payment management system 1 includes a user terminal device 10, a store device 20, a payment server 30, a recommendation server 40, and a communication network NET. The electronic payment management system 1 provides a cashless electronic payment service. The electronic payment service includes code payment using codes such as barcodes and QR codes (registered trademarks).

[0013] The user terminal device 10 includes a personal computer, a tablet terminal, a smartphone, a smartwatch, etc. The user terminal device 10 is an example of a terminal. The user U uses the user terminal device 10 to utilize the electronic payment service provided by the electronic payment management system 1.

[0014] The store device 20 is a terminal device provided in a franchise store. A franchise store means a store that has joined the payment service by the electronic payment management system 1. The store device 20 is a device installed in a franchise store that can use code payment. The store device 20 includes a POS (Point of Sales) register device, a personal computer, a tablet terminal, a smartphone, etc.

[0015] In this embodiment, the franchise store is a physical store where the store device 20 is installed, but the franchise store may include a virtual store. A virtual store is an online store existing on the Internet and includes stores that can provide an experience similar to that of a physical store by using VR (Virtual Reality) technology.

[0016] The payment server 30 is a server managed by a payment service provider. Examples of payment service providers include electronic payment service providers. Electronic payment service providers include, for example, electronic payment service providers. In this embodiment, the case where the payment server 30 is managed by an electronic payment service provider will be described as an example. In other words, in this embodiment, the electronic payment service provider provides electronic payment services using the payment server 30.

[0017] The payment server 30 executes electronic payment processing based on the electronic payment procedures performed at the merchant. In other words, the payment server 30 enables electronic payment between the store equipment 20 and the user terminal equipment 10. The payment server 30 also performs user authentication, code management, and transaction management for code payments. More specifically, user authentication for code payments includes basic authentication and usage authentication. Basic authentication is performed to restrict access to users, including user U, when they use code payments for the first time. Basic authentication manages the link between the user's terminal equipment and the code payment application.

[0018] Authentication during use is performed to verify whether the person attempting to make a payment using a code is the same person as the user registered in advance. Examples include entering a PIN (Personal Identification Number), fingerprint authentication, and facial recognition.

[0019] A code payment application is an application that uses codes such as barcodes and QR codes (registered trademarks) to settle payments for goods, services, etc. QR code payments include consumer-presented mode (CPM) and merchant-presented mode (MPM).

[0020] In user-presented payment, a QR code (registered trademark) displayed on the user's terminal device 10 is read by the store device 20, and the user information contained in the read code, product information entered at the merchant, merchant information, etc., are transmitted from the store device 20 to the payment server 30. The store information includes a merchant-specific ID, merchant name, address, etc.

[0021] In merchant-presented code payment, a QR code (registered trademark) displayed at the merchant is read using the user terminal device 10, and the user U enters the payment amount. The scanned merchant information, the entered amount information, and user information read from the user terminal device 10 are transmitted from the user terminal device 10 to the payment server 30. In this embodiment, the following explanation will use user-presented payment as an example, but this disclosure is not limited to user-presented payment.

[0022] The recommendation server 40 is a server managed by the payment service provider. The recommendation server 40 recommends products and services to user U by transmitting recommendation content, including advertisements for products and services of affiliated merchants, etc., to the user terminal device 10. The recommendation server 40 may be managed by a business other than the payment service provider.

[0023] A communication network (NET) is a telecommunications line, such as a mobile communication network, managed by a telecommunications carrier providing communication services. A communication network (NET) includes either or both wired and wireless communication networks. For example, a communication network (NET) may be connected to other networks (not shown) managed by other telecommunications carriers via the Internet.

[0024] In the electronic payment management system 1, the user terminal device 10, the store device 20, the payment server 30, and the recommendation server 40 are connected to each other via a communication network NET so that they can communicate with one another. The electronic payment management system 1 is a system that provides electronic payment services to any user who possesses a user terminal device 10. Although only one user terminal device 10 is shown in Figure 1, the electronic payment management system 1 may include multiple user terminal devices 10. That is, multiple user terminal devices 10 may be connected to the communication network NET. Similarly, although only one store device 20 is shown, the electronic payment management system 1 may include multiple store devices 20. That is, multiple store devices 20 may be connected to the communication network NET.

[0025] 1.1.2. User Terminal Device Configuration Figure 2 is a block diagram showing an example configuration of the user terminal device 10 shown in Figure 1. As shown in Figure 2, the user terminal device 10 comprises a processing unit 11, a storage device 12, a communication device 13, a display device 14, an input device 15, and an imaging device 16. Each element of the user terminal device 10 is interconnected by one or more buses for communicating information. The user terminal device 10 is an example of a terminal.

[0026] The processing unit 11 is a processor that controls the entire user terminal device 10, and is configured, for example, using one or more chips. The processing unit 11 is configured using a central processing unit (CPU) that includes, for example, interfaces with peripheral devices, arithmetic units, registers, etc. Some or all of the functions of the processing unit 11 may be implemented by hardware such as a DSP (Digital Signal Processor), ASIC (Application Specific Integrated Circuit), PLD (Programmable Logic Device), FPGA (Field Programmable Gate Array). The processing unit 11 executes various processes in parallel or sequentially.

[0027] The storage device 12 is a recording medium that can be read from and written to by the processing device 11. The storage device 12 includes, for example, non-volatile memory and volatile memory. Non-volatile memory is, for example, ROM (Read Only Memory), EPROM (Erasable Programmable Read Only Memory), and EEPROM (Electrically Erasable Programmable Read Only Memory). Volatile memory is, for example, RAM (Random Access Memory).

[0028] The storage device 12 stores multiple programs, including the control program PR1, which is executed by the processing unit 11. The storage device 12 also functions as a work area for the processing unit 11. The control program PR1 controls the entire processing unit 11 and executes the code payment application. The control program PR1 is an example of a program.

[0029] The communication device 13 is hardware that acts as a transmitting and receiving device for communicating with other devices. The communication device 13 is also called, for example, a network device, network controller, network card, or communication module. The communication device 13 may be equipped with a connector for wired connection and an interface circuit corresponding to the connector. The communication device 13 may also be equipped with a wireless communication interface. Examples of connectors and interface circuits for wired connection include products compliant with wired LAN, IEEE1394, and USB. Examples of wireless communication interfaces include products compliant with wireless LAN and Bluetooth®.

[0030] The display device 14 is a device that displays images and text information. The display device 14 displays various images based on control by the processing device 11. For example, various display panels such as liquid crystal panels and organic EL (Electro-Luminescence) panels are preferably used as the display device 14.

[0031] The input device 15 accepts operations from user U[1]. For example, the input device 15 is configured to include a pointing device such as a keyboard, touchpad, touch panel, or mouse. If the input device 15 is configured to include a touch panel, it may also function as the display device 14.

[0032] The imaging device 16 outputs an image obtained by imaging the external environment. The imaging device 16 includes, for example, a lens, an image sensor, an amplifier, and an AD converter. Light focused through the lens is converted into an analog imaging signal by the image sensor. The amplifier amplifies the imaging signal and outputs it to the AD converter. The AD converter converts the amplified analog imaging signal into digital imaging information.

[0033] The processing unit 11 functions as a receiving unit 111, an acquisition unit 112, a transmission unit 113, and a display control unit 114, for example, by reading and executing the control program PR1 from the storage device 12.

[0034] The reception unit 111 accepts various operations from user U via the input device 15. For example, operations by user U include operations for using electronic payment. Operations for using electronic payment include operations for launching a code payment application and operations for displaying a payment code in order to use an electronic payment service.

[0035] The acquisition unit 112 acquires a payment completion notification from the payment server 30. The payment completion notification is a notification that the payment has been successfully completed after the electronic payment procedure has been executed between the user terminal device 10 and the store device 20.

[0036] When user U performs an operation to display a payment code, the transmission unit 113 sends a payment code generation request to the payment server 30 via the communication device 13. The payment code generation request is information requesting the payment server 30 to generate a payment code. Also, when the transmission unit 113 receives a payment completion notification from the payment server 30, it sends request information and identification information to the recommendation server 40 via the communication device 13. The request information is information requesting the selection of recommended content to be displayed on the payment completion screen. The payment completion screen is a screen that notifies user U that electronic payment has been completed. The identification information is information that identifies the merchant. The request information is an example of the first information. The identification information is an example of the second information. The payment completion screen is an example of the first screen.

[0037] The display control unit 114 displays the payment screen on the display device 14 based on user U's actions, etc. Furthermore, if the code payment is successfully completed, the display control unit 114 displays a payment completion screen on the display device 14. Based on recommendation information from the recommendation server 40, the display control unit 114 displays recommended content on the payment completion screen. Recommendation information is information about recommended content determined by the recommendation server 40 based on at least the request information and identification information. Recommendation information is an example of third-party information. Recommended content is an example of first-party content.

[0038] The functions of the display control unit 114 will be explained below with reference to Figures 3 to 5. Figure 3 is a diagram showing an example of a payment screen SC1 displayed on the display device 14 of the user terminal device 10. When the reception unit 111 receives an operation from user U for electronic payment, the display control unit 114 displays the payment screen SC1 shown in Figure 3 on the display device 14.

[0039] Specifically, the first display area 501 of the payment screen SC1 displays information such as the payment code image 502, the electronic money balance 505, and the point balance 506. The payment code image 502 shows the payment code. The payment code includes a two-dimensional code 503 and a one-dimensional code 504. In this example, both the two-dimensional code 503 and the one-dimensional code 504 are displayed, but either the two-dimensional code 503 or the one-dimensional code 504 alone may be displayed.

[0040] The second display area 507 of the payment screen SC1 displays a barcode 508 related to the point card number. The point card is equivalent to a membership card for the point service that is pre-assigned to users of the electronic payment service.

[0041] Figure 4 shows an example of a payment completion screen SC2 displayed on the display device 14 of the user terminal device 10. When recommendation information is acquired by the acquisition unit 112, the display control unit 114 displays the payment completion screen SC2 shown in Figure 4 on the display device 14. The payment completion screen SC2 is an example of the first screen.

[0042] Specifically, the third display area 601 of the payment completion screen SC2 displays information such as the merchant name 602, payment date and time 603, and payment amount 604. The merchant name 602 indicates the name of the store where the electronic payment was made. The merchant name 602 is displayed based on identification information, for example. The payment date and time 603 indicates the date and time when the electronic payment process was executed between the user terminal device 10 and the store device 20, or the date and time when the payment completion notification was issued by the payment server 30. The payment amount 604 indicates the amount of the transaction in the electronic payment made between the user terminal device 10 and the store device 20.

[0043] The fourth display area 605 of the payment completion screen SC2 displays information regarding the points to be earned. The points to be earned indicate the amount of points generated in this transaction. The fifth display area 607 of the payment completion screen SC2 displays the payment number and information regarding important notes.

[0044] An advertisement 609 is displayed in the sixth display area 608 of the payment completion screen SC2. The advertisement 609 is an example of recommended content. When the sixth display area 608 is tapped by user U, the screen displayed on the display device 14 transitions from the payment completion screen SC2 to the coupon screen SC3. In other words, the advertisement 609 displayed in the sixth display area 608 functions as a banner. Although the sixth display area 608 is located at the bottom of the payment completion screen SC2, its position within the payment completion screen SC2 is not particularly limited and may be placed at any position within the payment completion screen SC2. Furthermore, the advertisement 609 displayed in the sixth display area 608 does not necessarily have to function as a banner.

[0045] Figure 5 shows an example of a coupon screen SC3 displayed on the display device 14 of the user terminal device 10. When the sixth display area 608 in Figure 4 is operated by the user U, the display control unit 114 displays the coupon screen SC3 on the display device 14 of the user terminal device 10, as shown in Figure 5.

[0046] The coupon screen SC3 displays a message indicating that it is a coupon screen (701), "Search by Store" (702), a coupon button (703), "Search by Coupon" (704), the first coupon (705), the second coupon (706), and the main menu area (707). The first coupon (705) and the second coupon (706) are coupons for products sold at participating stores.

[0047] The display configurations shown in Figures 3-5 for the payment screen SC1, payment completion screen SC2, and coupon screen SC3 are merely examples, and the present invention is not limited to the configurations shown in Figures 3-5.

[0048] 1.1.3. Store Equipment Configuration Figure 6 is a block diagram showing an example configuration of the store device 20 shown in Figure 1. As shown in Figure 6, the store device 20 comprises a processing unit 21, a storage device 22, a communication device 23, a display device 24, an input device 25, and an imaging device 26. Each element of the store device 20 is interconnected by one or more buses for communicating information.

[0049] The processing unit 21 is a processor that controls the entire store device 20 and is configured, for example, using one or more chips. The processing unit 21 is configured, for example, using a central processing unit (CPU) that includes interfaces with peripheral devices, an arithmetic unit, and registers. Some or all of the functions of the processing unit 21 may be implemented by hardware such as a DSP, ASIC, PLD, FPGA, etc. The processing unit 21 executes various processes in parallel or sequentially.

[0050] The storage device 22 is a recording medium that can be read from and written to by the processing device 21. The storage device 22 includes, for example, non-volatile memory and volatile memory. Non-volatile memory is, for example, ROM, EPROM, and EEPROM. Volatile memory is, for example, RAM.

[0051] The storage device 22 stores multiple programs, including the control program PR2, which is executed by the processing unit 21. The storage device 22 also functions as a work area for the processing unit 21.

[0052] The communication device 23 is hardware that acts as a transmitting and receiving device for communicating with other devices. The communication device 23 is also called, for example, a network device, network controller, network card, or communication module. The communication device 23 may be equipped with a connector for wired connection and an interface circuit corresponding to the connector. The communication device 23 may also be equipped with a wireless communication interface. Examples of connectors and interface circuits for wired connection include products compliant with wired LAN, IEEE1394, and USB. Examples of wireless communication interfaces include products compliant with wireless LAN and Bluetooth®.

[0053] The display device 24 is a device that displays images and text information. The display device 24 displays various images based on control by the processing device 11. For example, various display panels such as liquid crystal panels and organic EL panels are preferably used as the display device 24.

[0054] The input device 25 is a device that receives input from user U. For example, the input device 25 is configured to include a pointing device such as a keyboard, touchpad, touch panel, or mouse. If the input device 25 is configured to include a touch panel, it may also function as the display device 24.

[0055] The imaging device 26 outputs an image obtained by imaging the external environment. The imaging device 26 includes, for example, a lens, an image sensor, an amplifier, and an AD converter. Light focused through the lens is converted into an analog imaging signal by the image sensor. The amplifier amplifies the imaging signal and outputs it to the AD converter. The AD converter converts the amplified analog imaging signal into digital imaging information.

[0056] The processing unit 21 functions as a communication unit 211, a receiving unit 212, a data entry unit 213, and a display control unit 214, for example, by reading and executing the control program PR2 from the storage device 22.

[0057] The communication unit 211 communicates with the payment server 30 via the communication device 23. In this embodiment, user-presented code payment is performed, so when payment processing is performed between the store device 20 and the user terminal device 10, the communication unit 211 sends a payment request to the payment server 30. When store-presented code payment is performed, the communication unit 211 sends a payment code generation request to the payment server 30 in order to display the payment code on the display device 24. Also, when store-presented code payment is performed, the communication unit 211 receives code information related to the payment code from the payment server 30.

[0058] The reception unit 212 receives operations from employee C to the input device 25. Operations by employee C include reading the barcode attached to the product purchased by user U, and operations related to the submission of advertisements. In addition to the store device 20, advertisements may also be submitted using an admission device installed at the headquarters of each franchise store (not shown).

[0059] The submission unit 213 submits the advertisement to the recommendation server 40 based on the results of the operations related to the received submission.

[0060] The display control unit 214 displays information such as the price of the product that user U is purchasing on the display device 24, in response to the operation received by the reception unit 212. The display control unit 214 also displays a dashboard for submitting advertisements on the display device 24.

[0061] 1.1.4. Payment Server Configuration Figure 7 is a block diagram showing an example configuration of the payment server 30 shown in Figure 1. As shown in Figure 7, the payment server 30 comprises a processing unit 31, a storage device 32, and a communication device 33. Each element of the payment server 30 is interconnected by one or more buses for communicating information. The payment server 30 is an example of a payment device.

[0062] The processing unit 31 is a processor that controls the entire payment server 30, and is configured, for example, using one or more chips. The processing unit 31 is configured, for example, using a central processing unit (CPU) that includes interfaces with peripheral devices, an arithmetic unit, and registers. Some or all of the functions of the processing unit 31 may be implemented by hardware such as a DSP, ASIC, PLD, FPGA, etc. The processing unit 31 executes various processes in parallel or sequentially.

[0063] The storage device 32 is a recording medium that can be read from and written to by the processing device 31. The storage device 32 includes, for example, non-volatile memory and volatile memory. Non-volatile memory is, for example, ROM, EPROM, and EEPROM. Volatile memory is, for example, RAM.

[0064] The storage device 32 stores multiple programs, including the control program PR3, which is executed by the processing unit 31. The storage device 32 also functions as a work area for the processing unit 31.

[0065] The communication device 33 is hardware that acts as a transmitting and receiving device for communicating with other devices. The communication device 33 is also called, for example, a network device, network controller, network card, or communication module. The communication device 33 may be equipped with a connector for wired connection and an interface circuit corresponding to the connector. The communication device 33 may also be equipped with a wireless communication interface. Examples of connectors and interface circuits for wired connection include products compliant with wired LAN, IEEE1394, and USB. Examples of wireless communication interfaces include products compliant with wireless LAN and Bluetooth®.

[0066] The processing unit 31 functions as a management unit 311, acquisition unit 312, settlement unit 313, communication unit 314, and generation unit 315, for example, by reading and executing the control program PR3 from the storage device 32.

[0067] The management unit 311 manages the linking information that links the user terminal device 10 with the code payment application installed on the user terminal device 10 during the registration process performed in advance in the code payment application. This prevents unauthorized acquisition of the ID and password of the code payment application by a third party.

[0068] When a payment code generation request is transmitted from the user terminal device 10, the acquisition unit 312 acquires the payment code generation request via the communication device 33. Also, when a payment request related to code payment is transmitted from the store device 20, the acquisition unit 312 acquires the payment request via the communication device 33.

[0069] The settlement unit 313 executes processing related to electronic payment based on the electronic payment procedure performed at the merchant. The electronic payment procedure includes, in the case of user-presented payment, reading the payment code displayed on the display device 14 of the user terminal device 10 using the imaging device 26 of the store device 20. The electronic payment procedure also includes, in the case of store-presented payment, reading the payment code displayed on the display device 24 of the store device 20 using the imaging device 16 of the user terminal device 10. The processing related to electronic payment includes processing to verify the payment ID and processing to determine whether the device, application, etc. associated with the payment can be used.

[0070] The communication unit 314 notifies the user terminal device 10 of the settlement result via the communication device 33. For example, if the settlement process in the settlement unit 313 is completed, it sends a settlement completion notification to the user terminal device 10. If the settlement process in the settlement unit 313 is not completed, it sends a settlement error notification to the user terminal device 10. In addition, if a settlement code is generated in the generation unit 315 based on a settlement code generation request from the store device 20, the communication unit 314 sends code information regarding the generated settlement code to the store device 20 via the communication device 33.

[0071] The generation unit 315 generates a payment code based on a request for payment code generation from the store device 20. The payment code includes information such as a dynamic flag, a merchant-specific ID, the merchant name, and the merchant's location.

[0072] 1.1.5. Recommended Server Configuration Figure 8 is a block diagram showing an example configuration of the recommendation server 40 shown in Figure 1. As shown in Figure 8, the recommendation server 40 comprises a processing unit 41, a storage device 42, and a communication device 43. Each element of the recommendation server 40 is interconnected by one or more buses for communicating information. The recommendation server 40 is an example of a recommendation device.

[0073] The processing unit 41 is a processor that controls the entire recommendation server 40 and is configured, for example, using one or more chips. The processing unit 31 is configured, for example, using a central processing unit (CPU) that includes interfaces with peripheral devices, an arithmetic unit, and registers. Some or all of the functions of the processing unit 41 may be implemented by hardware such as a DSP, ASIC, PLD, FPGA, etc. The processing unit 41 executes various processes in parallel or sequentially.

[0074] The storage device 42 is a recording medium that can be read from and written to by the processing device 41. The storage device 42 includes, for example, non-volatile memory and volatile memory. Non-volatile memory is, for example, ROM, EPROM, and EEPROM. Volatile memory is, for example, RAM.

[0075] The storage device 42 stores multiple programs, including the control program PR4 for execution by the processing unit 41, and the transmission history database DB1. The storage device 42 also functions as a work area for the processing unit 41.

[0076] The communication device 43 is hardware that acts as a transmitting and receiving device for communicating with other devices. The communication device 43 is also called, for example, a network device, network controller, network card, or communication module. The communication device 43 may be equipped with a connector for wired connection and an interface circuit corresponding to the connector. The communication device 43 may also be equipped with a wireless communication interface. Examples of connectors and interface circuits for wired connection include products compliant with wired LAN, IEEE1394, and USB. Examples of wireless communication interfaces include products compliant with wireless LAN and Bluetooth®.

[0077] The processing unit 41 functions as an acquisition unit 411, a first determination unit 412, a first decision unit 413, a second determination unit 414, a third determination unit 415, a second decision unit 416, and a communication unit 417, for example, by reading and executing the control program PR4 from the storage device 42.

[0078] The acquisition unit 411 acquires request information and identification information from the user terminal device 10. The request information is information requesting content to be displayed on the payment completion screen SC2. The identification information is information identifying the merchant from whom electronic payment was performed between the user terminal device 10 and the store device 20.

[0079] The first determination unit 412 determines whether the acquisition unit 411 has acquired the requested information from the user terminal device 10.

[0080] When the request information is obtained by the first determination unit 412, the first decision unit 413 determines advertising candidates based on the obtained identification information. More specifically, based on the obtained identification information, the first decision unit 413 limits the recommended content to advertisements related to the merchant where the electronic payment was made, i.e., the merchant used by user U. By determining the recommended content based on the identification information in this way, advertisements related to the merchant's products or services are displayed on the payment completion screen SC2. This improves convenience for user U who frequently uses the merchant, and for the merchant, it may increase opportunities for user U to use their services.

[0081] Furthermore, the first decision unit 413 determines recommended content based on the limit on the number of times the same content is displayed to all users who have performed electronic payments at the merchant. Here, all users include user U. In other words, if the total number of times an ad candidate is displayed reaches the first limit, the first decision unit 413 does not determine the previously determined ad candidate as recommended content, but instead determines an ad candidate different from the previously determined ad candidate. The total number of times an ad candidate is displayed indicates how many times a single ad candidate is displayed to all users U.

[0082] Furthermore, the first decision unit 413 determines recommended content based on the limit on the number of times the same content can be displayed to user U. In other words, if the number of times an ad candidate has been displayed to user U has reached the second limit, the first decision unit 413 may not determine the previously determined ad candidate as recommended content, but may instead determine a different ad candidate.

[0083] The second determination unit 414 determines whether the total number of impressions of the ad candidate is less than the first limit. The first limit is an impression limit set for each ad, and it limits the total number of impressions, which indicates how many times a single ad has been shown, regardless of which user it was shown to. For example, if the first limit for a certain ad is set to "100,000", once that ad has been shown a total of 100,000 times, that ad will not be shown any further. The total number of impressions allowed is set primarily to limit the number of users who can win a prize. For example, the total number of impressions allowed is used in campaigns such as "The first XX people will receive △△".

[0084] The third determination unit 415 determines whether the number of times an ad candidate is displayed to user U is less than the second limit. The second limit is a limit on the number of times an ad can be displayed, which limits the number of times it is displayed to a single user. For example, if the second limit is set to "1", the same ad will only be displayed to a single user once. The second limit is set primarily to limit the number of times an individual can be displayed, or to eliminate the annoyance of the same ad being displayed repeatedly.

[0085] The second decision unit 416 determines an ad candidate as recommended content if the total number of times the ad candidate is displayed is less than the first limit, and the number of times the ad candidate is displayed to user U is less than the second limit.

[0086] The communication unit 417 transmits recommendation information regarding the determined recommendation content to the user terminal device 10 via the communication device 43. The recommendation content is, for example, an advertisement for a member store's products or services. The recommendation information includes image information, link information, etc., of the recommendation content. The recommendation information is an example of third-party information. Note that the recommendation content is not limited to advertisements; it may also be an announcement from a member store.

[0087] Figure 9 shows an example of a transmission history database DB1 according to the first embodiment. The transmission history database DB1 stores transmission history information showing the transmission history of advertisements sent to user U. The transmission history database DB1 shown in Figure 9 is prepared for each merchant and for each product.

[0088] As shown in Figure 9, the transmission history database DB1 has the following items: transmission date and time, advertisement ID, cumulative number of advertisements, recipient user ID, and cumulative number of user transmissions. "Transmission date and time" indicates the date and time the advertisement was sent. "Advertisement ID" indicates the unique ID of the advertisement. "Cumulative number of advertisements" indicates the cumulative number of times the advertisement with the same ID has been sent. "Recipient user ID" indicates the user ID to which the advertisement was sent. The user ID is a unique number for each user U. "Cumulative number of user transmissions" indicates the cumulative number of times the advertisement with the same ID has been sent to the same user U.

[0089] In this example, there are three types of advertisements sent to user U: “Aaa”, “Bbb”, and “Ccc”. The second row of the transmission history database DB1 shows that the advertisement “Aaa” was sent to user U, user ID “0017”, at hh:mm on August 19, 2024. Since the advertisement “Aaa” was sent for the first time at hh:mm on August 19, 2024, the cumulative number of advertisements sent is set to “1”. Also, since the advertisement “Aaa” was sent for the first time to user U, user ID “0017”, the cumulative number of users sent is set to “1”.

[0090] The third row of the transmission history database DB1 indicates that the advertisement "Bbb" was sent to user U with user ID "2910" at hh:mm on August 20, 2024. Since the advertisement "Bbb" was sent for the first time at hh:mm on August 20, 2024, the cumulative number of advertisements sent is set to "1". Also, since the advertisement "Bbb" was sent for the first time to user U with user ID "2910", the cumulative number of users sent is also set to "1".

[0091] The third row of the transmission history database DB1 indicates that the advertisement "Ccc" was sent to user U with user ID "0387" at hh:mm on August 21, 2024. Since the advertisement "Ccc" was sent for the first time at hh:mm on August 21, 2024, the cumulative number of advertisements sent is set to "1". Also, since the advertisement "Ccc" was sent for the first time to user U with user ID "0387", the cumulative number of users sent is set to "1".

[0092] The fourth row of the transmission history database DB1 indicates that the advertisement "Bbb" was sent to user U with user ID "1954" at hh:mm on August 21, 2024. Since the advertisement "Bbb" was sent for the first time at hh:mm on August 21, 2024, the cumulative number of advertisements sent is set to "1". Also, since the advertisement "Ccc" was sent for the first time to user U with user ID "0387", the cumulative number of users sent is also set to "1".

[0093] Each time an advertisement is sent to user U, the date and time of transmission, the ID of the transmitted advertisement, the cumulative number of times the advertisement has been sent, the recipient user ID, and the cumulative number of times the user has been sent are newly recorded in the transmission history database DB1. Therefore, the first decision unit 413 can determine which advertisement can be sent to which user U by referring to the transmission history database DB1. For example, if the number of times the same advertisement can be sent is limited to 100,000 times, the cumulative number of times the advertisement "Ccc" was sent reached 100,000 on November 2, 2024. Therefore, according to the transmission history database DB1, it can be seen that the advertisement "Ccc" cannot be sent from this point onward. Also, for example, if the number of times the same advertisement can be sent to the same user U is limited to "1", according to the transmission history database DB1, the advertisement "Aaa" can be sent to user U with user ID "2910", but the advertisements "Bbb" and "Ccc" have already been sent and therefore cannot be sent again.

[0094] 1.2. Operation of the user terminal device according to the first embodiment 1.2.1. Operation of the processing unit 11 Figure 10 is a flowchart illustrating an example of the operation of the processing unit 11 of the user terminal device 10. The operation of the processing unit 11 will be explained below with reference to Figure 10. The routine in Figure 10 is started, for example, when the processing unit 11 is powered on, and is executed at regular intervals.

[0095] In step S11, the processing unit 11, functioning as a reception unit 111, determines whether or not it has received an operation from user U to use electronic payment via the input device 15. An operation to use electronic payment is, for example, an operation to launch a code payment application or an operation to display a payment screen SC1 containing a payment code on the display device 14.

[0096] If the operation to use electronic payment is not accepted, that is, if the determination result in step S11 is negative, the processing unit 11 terminates this routine. In other words, since the operation to use electronic payment by user U has not been accepted, the processing unit 11 does not execute the processes from step S12 to step S18.

[0097] On the other hand, if the system accepts an operation from user U to use electronic payment, that is, if the determination result in step S11 is positive, the processing unit 11, in step S12, functions as a transmission unit 113 and sends a request to the payment server 30 to generate a payment code.

[0098] In step S13, the processing unit 11 functions as an acquisition unit 112 to acquire the generated payment code from the payment server 30.

[0099] In step S14, the processing unit 11 functions as a display control unit 114 and displays a payment code on the display device 14. The payment code is then read by the store device 20.

[0100] In step S15, the processing unit 11 functions as an acquisition unit 112 to acquire a payment completion notification from the payment server 30.

[0101] In step S16, the processing unit 11, by functioning as a transmission unit 113, transmits the request information and identification information to the recommendation server 40.

[0102] In step S17, the processing unit 11 functions as an acquisition unit 112 to acquire recommendation information from the recommendation server 40.

[0103] In step S18, the processing unit 11 functions as a display control unit 114, displays recommended content on the display device 14 according to the recommendation information, and then terminates this routine.

[0104] 1.3. Operation of the recommendation server according to the first embodiment 1.3.1. Operation of the processing unit 41 Figure 11 is a flowchart illustrating an example of the operation of the processing unit 41 of the recommendation server 40. The operation of the processing unit 41 will be explained below with reference to Figure 11. The routine in Figure 11 is started, for example, when the processing unit 11 is powered up, and is executed at regular intervals.

[0105] In step S41, the processing unit 41 functions as a first determination unit 412 to determine whether or not the requested information has been acquired.

[0106] If the request information and identification information have not been obtained, that is, if the determination result in step S41 is negative, the processing unit 41 terminates this routine. In other words, in this case, since the request information and identification information have not been obtained, the processing unit 41 does not send the recommendation information to the user terminal device 10.

[0107] On the other hand, if request information and identification information are obtained, that is, if the determination result in step S41 is positive, the processing unit 41, in step S42, functions as a first decision unit 413 to determine advertising candidates based on the identification information, attribute information, and product information.

[0108] In step S43, the processing unit 41 functions as a second determination unit 414 to determine whether the total number of impressions of the ad candidate is less than the first limit value.

[0109] If the total number of times the ad candidate is displayed is less than the first limit, that is, if the determination result in step S43 is positive, the processing unit 41, in step S44, functions as a third determination unit 415 to determine whether the number of times the ad candidate is displayed to the user is less than the second limit.

[0110] If the number of times the ad candidate is displayed to the user is less than the second limit, that is, if the determination result in step S44 is positive, the processing unit 41, in step S45, functions as the second decision unit 416 to determine the ad candidate as recommended content.

[0111] In step S46, the processing unit 41, by functioning as a communication unit 417, transmits the determined recommendation information to the user terminal device 10 and terminates this routine.

[0112] On the other hand, if the total number of times the ad candidate has been displayed has reached the first limit, that is, if the judgment result in step S43 is negative, or if the number of times the ad candidate has been displayed to user U has reached the second limit, that is, if the judgment result in step S44 is negative, the processing unit 41, in step S47, functions as the first decision unit 413 to determine an ad candidate different from the previous ad candidate.

[0113] Next, in step S43, the processing unit 41 functions as a second determination unit 414 to determine whether the total number of impressions of the ad candidate is less than the first limit value.

[0114] If the total number of times the ad candidate is displayed is less than the first limit, that is, if the determination result in step S43 is positive, the processing unit 41, in step S44, functions as a third determination unit 415 to determine whether the number of times the ad candidate is displayed to user U is less than the second limit.

[0115] If the number of times the ad candidate is displayed to user U is less than the second limit, the processing unit 41, in step S45, functions as a second decision unit 416 to determine the ad candidate as recommended content.

[0116] In step S46, the processing unit 41 functions as a communication unit 417 to send recommendation information to the user terminal device 10 and terminate this routine.

[0117] On the other hand, if the determination result in step S43 or step S44 is negative, the processing unit 41, in step S47, functions as the first decision unit 413 to determine a second advertisement candidate that is different from the first advertisement candidate. In this way, the processing unit 41 repeats the process from step S43 to step S47 until it determines an advertisement candidate as recommended content.

[0118] 1.4. Operation of the electronic payment management system according to the first embodiment 1.4.1. Operation of Electronic Payment Management System 1 Figure 12 is a sequence chart showing an example of the operation of the electronic payment management system 1. The operation of the electronic payment management system 1 will be explained below with reference to Figure 12.

[0119] In step S101, the user terminal device 10 accepts the user U's operation to use electronic payment.

[0120] In step S102, the user terminal device 10 requests the payment server 30 to generate a payment code. That is, in step S102, the user terminal device 10 sends a payment code generation request to the payment server 30.

[0121] When the payment server 30 receives a payment code generation request and authentication of the user terminal device 10 is completed, in step S103, the payment server 30 generates a payment code.

[0122] In step S104, the payment server 30 transmits code information indicating a payment code to the user terminal device 10.

[0123] In step S105, the user terminal device 10 displays the payment code on the display device 14.

[0124] In step S106, the store device 20 uses the imaging device 26 to read the payment code displayed on the display device 14.

[0125] In step S107, the store device 20 sends a payment request to the payment server 30 based on the result of reading the payment code. That is, the store device 20 executes the electronic payment procedure at the merchant.

[0126] In step S108, the settlement server 30 executes the settlement process.

[0127] In step S109, the payment server 30 sends a payment completion notification to the user terminal device 10.

[0128] Upon receiving a payment completion notification, the user terminal device 10 sends the request information and identification information to the recommendation server 40 in step S110.

[0129] Upon receiving the request information and identification information, the recommendation server 40 determines, in step S111, the recommended content to be displayed on the user terminal device 10 based on the request information and identification information.

[0130] In step S112, the recommendation server 40 sends recommendation information regarding the recommended content to the user terminal device 10.

[0131] Upon receiving recommendation information, the user terminal device 10 displays the determined content on the display device 14 in step S113.

[0132] 1.5. Effects of the First Embodiment As described above, the control program PR1 of the user terminal device 10 according to the first embodiment causes the processing unit 11 of the user terminal device 10, which is held by user U, to function as an acquisition unit 112, a transmission unit 113, and a display control unit 114. The acquisition unit 112 acquires a completion notification regarding the electronic payment performed at the merchant from the payment server 30. When the completion notification is acquired, the transmission unit 113 sends request information and identification information to the recommendation server 40. The request information is information requesting the determination of the recommended content to be displayed on the payment completion screen SC2. The payment completion screen SC2 is a screen that notifies user U that the electronic payment has been completed. The identification information is information that identifies the merchant. The display control unit 114 displays the recommended content on the payment completion screen SC2 based on the recommendation information.

[0133] This configuration makes it easier for User U to notice content related to the merchant they used. As a result, User U's satisfaction is expected to increase as more interesting content is displayed, and merchants are expected to see an increase in opportunities for User U to use their services.

[0134] Furthermore, recommended content consists of advertisements related to participating businesses.

[0135] This approach facilitates the expansion of business opportunities for member stores by making it easier for user U to notice content related to the member store.

[0136] Furthermore, the first decision unit 413 determines recommended content based on the limit on the number of times the same content can be displayed to user U.

[0137] This configuration prevents the same content from being repeatedly presented to the same user, thereby reducing user annoyance. Furthermore, if the presented content concerns coupons or other benefits, it prevents the same user from receiving those benefits repeatedly.

[0138] Furthermore, the first decision unit 413 also includes user U and determines recommended content based on the limit on the number of times the same content can be displayed to all users who have performed electronic payments at a merchant.

[0139] This approach can enhance the perceived scarcity of the content presented to the user.

[0140] Furthermore, the user terminal device 10 according to the first embodiment is possessed by user U. The user terminal device 10 comprises an acquisition unit 112, a transmission unit 113, and a display control unit 114. The acquisition unit 112 acquires completion notifications regarding electronic payments performed at the merchant from the payment server 30. When the acquisition unit 112 receives the completion notification, the transmission unit 113 sends request information and identification information to the recommendation server 40. The request information is information for requesting the determination of content to be displayed on the payment completion screen SC2. The identification information is information for identifying the merchant. The display control unit 114 displays recommended content on the payment completion screen SC2 based on the recommendation information. The recommendation information is information regarding recommended content determined by the recommendation server 40 in accordance with at least the request information and identification information.

[0141] This configuration makes it easier for User U to notice content related to the merchant they used. As a result, User U's satisfaction is expected to increase as more interesting content is displayed, and merchants are expected to see an increase in opportunities for User U to use their services.

[0142] Furthermore, the information processing method according to the first embodiment is executed by a user terminal device 10 owned by user U. The information processing method receives a completion notification regarding an electronic payment performed at a merchant from the payment server 30. Upon receiving the completion notification, it sends request information and identification information to the recommendation server 40, and displays recommended content on the payment completion screen SC2 based on the recommendation information. The request information is information for requesting the determination of the content to be displayed on the payment completion screen. The payment completion screen SC2 is a screen that notifies user U that the electronic payment has been completed. The identification information is information that identifies the merchant.

[0143] This configuration makes it easier for User U to notice content related to the merchant they used. As a result, User U's satisfaction is expected to increase as more interesting content is displayed, and merchants are expected to see an increase in opportunities for User U to use their services.

[0144] 2. Variations This disclosure is not limited to the embodiments illustrated above. Specific variations are illustrated below. Two or more embodiments may be arbitrarily selected from the following examples and combined. Furthermore, the embodiments described above and the variations described below can be combined arbitrarily as long as they do not contradict each other.

[0145] 2.1. Variation 1 In the first embodiment, the first decision unit 413 of the recommendation server 40 determines ad candidates based on identification information. However, if attribute information is obtained, the first decision unit 413 may, in addition to the identification information, limit the recommended content to ads suitable for the segment to which user U belongs, based on the obtained attribute information. Attribute information is information about user U's attributes and is based on user U's account information. Attribute information is an example of the fourth type of information. Attribute information is obtained from a customer management server (not shown) that manages user U's account information.

[0146] According to this configuration, the content displayed on the payment completion screen SC2 is further determined based on the user's attributes, making it possible to present more targeted content to the user. Therefore, by determining recommended content based on attribute information in addition to identification information, the likelihood of advertisements that are of interest to user U being displayed on the payment completion screen SC2 increases, which may increase the opportunities for user U to use the merchant's services.

[0147] 2.2. Variation Example 2 Furthermore, in the first embodiment, the first decision unit 413 of the recommendation server 40 determines advertising candidates based on identification information. However, if product information is acquired, the first decision unit 413 may limit the recommendation content to advertisements related to products purchased by user U, based on the acquired product information in addition to the identification information. Product information is information about the products purchased by user U in this electronic payment. That is, product information is information about the category, series, type, etc., of the products purchased by user U. The products purchased by user U are an example of target products. Product information is an example of fifth information. Product information is acquired from the user terminal device 10 along with the identification information. The transmission unit 113 transmits the request information, identification information, and product information to the recommendation server 40. The recommendation server 40 determines the recommendation content based on the request information, identification information, and product information.

[0148] According to this configuration, by determining recommended content based on product information, the likelihood of advertisements that are of interest to user U being displayed on the payment completion screen SC2 increases, which may increase the opportunities for user U to use the merchant's services.

[0149] 2.3. Variation 3 Furthermore, in the first embodiment, it is possible that no content matching the criteria for recommended content can be found. The second determination unit 416 does not have to determine recommended content if no content matching the criteria for recommended content can be found. In this case, nothing may be displayed in the sixth display area 608, or other advertisements may be displayed instead.

[0150] 2.4. Variation 4 Furthermore, in the first embodiment, a first limit value and a second limit value were set, but the first limit value and the second limit value do not need to be set, or either the first limit value or the second limit value may be set.

[0151] 2.5. Variation 5 Furthermore, in the first embodiment, the transmission history database DB1 is prepared for each merchant and each product, but the transmission history database DB1 may be integrated by adding "merchant" and "product" as its items.

[0152] 2.6. Variation 6 Furthermore, in the first embodiment, the transmission history database DB1 was stored in the storage device 42 of the recommendation server 40, but the transmission history database DB1 may also be stored in the storage device of an external server (not shown).

[0153] 2.7. Example 7 Furthermore, in the first embodiment, the processing unit 21 of the store device 20 functioned as an ad submission unit 213, but the processing unit 21 does not necessarily have to function as an ad submission unit 213. If the store is a franchisee, the function for submitting advertisements may be provided by the franchisor's management device rather than the store device 20.

[0154] 2.8. Variation 8 Furthermore, although the first embodiment showed a configuration in which the payment server 30 and the recommendation server 40 are configured as separate entities, the payment server 30 and the recommendation server 40 may be configured as a single unit. In other words, the processing unit 31 of the payment server 30 may have the functions of the processing unit 41 of the recommendation server 40, and the processing unit 41 of the recommendation server 40 may have the functions of the processing unit 31 of the payment server 30.

[0155] 3. Others (1) In the embodiments described above, the storage devices 12, 22, 32, and 42 are exemplified by ROM and RAM, but can also be flexible disks, magneto-optical disks (e.g., compact disks, digital multipurpose disks, Blu-ray® disks), smart cards, flash memory devices (e.g., cards, sticks, key drives), CD-ROMs (Compact Disc-ROMs), registers, removable disks, hard disks, floppy® disks, magnetic strips, databases, servers, and other suitable storage media. The program may also be transmitted from a network via a telecommunications line. The program may also be transmitted from a communication network NET via a telecommunications line.

[0156] (2) In the embodiments described above, the information, signals, etc. may be represented using any of the various different techniques. For example, the data, instructions, commands, information, signals, bits, symbols, chips, etc. that may be mentioned throughout the above description may be represented by voltage, current, electromagnetic waves, magnetic fields or magnetic particles, optical fields or photons, or any combination thereof.

[0157] (3) In the embodiments described above, the input and output information may be stored in a specific location (e.g., memory) or managed using a management table. The input and output information may be overwritten, updated, or appended to. The output information may be deleted. The input information may be transmitted to other devices.

[0158] (4) In the embodiments described above, the determination may be made by a value represented using 1 bit (0 or 1), by a boolean value (true or false), or by a numerical comparison (for example, a comparison with a predetermined value).

[0159] (5) The processing procedures, sequences, flowcharts, etc., exemplified in the embodiments described above may be rearranged in order, as long as they do not contradict each other. For example, the methods described in this disclosure present various step elements using an exemplary order and are not limited to the specific order presented.

[0160] (6) Each function illustrated in Figures 1 to 12 is implemented by any combination of at least one of hardware and software. Furthermore, the method of implementing each function block is not particularly limited. That is, each function block may be implemented using one device that is physically or logically coupled, or it may be implemented using two or more physically or logically separated devices that are directly or indirectly connected (for example, using wired or wireless connections). A function block may also be implemented by combining the above one device or the above multiple devices with software.

[0161] (7) The programs illustrated in the embodiments described above should be broadly interpreted to mean instructions, instruction sets, code, code segments, program code, programs, subprograms, software modules, applications, software applications, software packages, routines, subroutines, objects, executable files, execution threads, procedures, functions, etc., whether they are called software, firmware, middleware, microcode, hardware description languages ​​or by other names.

[0162] Furthermore, software, instructions, information, etc., may be transmitted and received via a transmission medium. For example, if software is transmitted from a website, server, or other remote source using at least one of wired technology (such as coaxial cable, fiber optic cable, twisted pair, or digital subscriber line (DSL)) and wireless technology (such as infrared or microwave), then at least one of these wired and wireless technologies is included in the definition of a transmission medium.

[0163] (8) In each of the above-mentioned forms, the terms “system” and “network” shall be used interchangeably.

[0164] (9) The information, parameters, etc. described in this disclosure may be expressed using absolute values, relative values ​​from a given value, or other corresponding information.

[0165] (10) In the embodiments described above, the user terminal device 10 and the store device 20 may be a mobile station (MS). A mobile station may also be referred to by those skilled in the art as a subscriber station, mobile unit, subscriber unit, wireless unit, remote unit, mobile device, wireless device, wireless communication device, remote device, mobile subscriber station, access terminal, mobile terminal, wireless terminal, remote terminal, handset, user agent, mobile client, client, or several other appropriate terms. In this disclosure, terms such as “mobile station,” “user terminal,” “user equipment (UE),” and “terminal” may be used interchangeably.

[0166] (11) In the embodiments described above, the terms “connected,” “coupled,” or any variation thereof, mean any direct or indirect connection or coupling between two or more elements, and may include the presence of one or more intermediate elements between two elements that are “connected” or “coupled” with each other. The coupling or connection between elements may be a physical coupling or connection, a logical coupling or connection, or a combination thereof. For example, “connection” may be reinterpreted as “access.” As used in this disclosure, two elements may be considered to be “connected” or “coupled” with each other using at least one of one or more wires, cables and printed electrical connections, and, in some non-limiting and non-exclusive examples, electromagnetic energy having wavelengths in the radio frequency domain, microwave domain and optical (both visible and invisible) domain.

[0167] (12) In the embodiments described above, the phrase “based on” does not mean “based solely on” unless otherwise specified. In other words, the phrase “based on” means both “based solely on” and “based at least on.”

[0168] (13) The terms “determining” and “determining” as used in this disclosure may encompass a wide variety of actions. “Determining” may include, for example, judging, calculating, computing, processing, deriving, investigating, looking up, searching, inquiry (e.g., searching in a table, database or other data structure), and ascertaining. “Determining” may also include, for example, receiving (e.g., receiving information), transmitting (e.g., sending information), input, output, and accessing (e.g., accessing data in memory). Furthermore, "judgment" and "decision" can include considering something as having been "judged" or "decided" after resolving, selecting, choosing, establishing, comparing, etc. In other words, "judgment" and "decision" can include considering something as having been "judged" or "decided" after some action. Also, "judgment (decision)" can be reinterpreted as "assuming," "expecting," or "considering."

[0169] (14) Where the terms “include,” “including,” and variations thereof are used in the embodiments described above, these terms are intended to be inclusive, as is the term “comprising.” Furthermore, the term “or” as used in this disclosure is not intended to be exclusive OR.

[0170] (15) In the present disclosure, if articles are added by translation, such as a, an, and the in English, the present disclosure may include the fact that the noun following these articles is plural.

[0171] (16) In this disclosure, the term “A and B are different” may mean “A and B are different from each other.” The term may also mean “A and B are each different from C.” Terms such as “separate” and “combine” may be interpreted in the same way as “different.”

[0172] (17) Each aspect / embodiment described herein may be used individually, in combination, or switched between as needed in practice. Furthermore, notification of certain information (e.g., notification that "X is") is not limited to explicit notification, but may also be implicit (e.g., by not providing such notification).

[0173] Although the present disclosure has been described in detail above, it will be clear to those skilled in the art that the present disclosure is not limited to the embodiments described herein. The present disclosure can be implemented in modified and altered forms without departing from the intent and scope of the present disclosure as defined by the claims. Accordingly, the descriptions in the present disclosure are illustrative and not restrictive in any way. [Explanation of symbols]

[0174] 1...Electronic payment management system, 10...User terminal device, 13...Communication device, 14...Display device, 20...Store device, 30...Payment server, 40...Recommendation server, 112...Acquisition unit, 113...Transmission unit, 114...Display control unit, 609...Advertisement, PR1...Control program, SC1...Payment screen, SC2...Payment completion screen, U...User.

Claims

1. The processing unit of a device owned by the user, An acquisition unit that obtains completion notifications for electronic payments performed at participating merchants from the payment device, When the completion notification is received, the transmission unit transmits to the recommendation device first information requesting the user to decide on the content to be displayed on the first screen that notifies the user that the electronic payment has been completed, and second information identifying the merchant. A display control unit that displays the first content on the first screen based on third information relating to the first content determined by the recommendation device in accordance with at least the first information and the second information, and make it work The aforementioned completion notice is a notice that informs the user that the electronic payment has been successfully completed after the electronic payment procedure has been executed. The terminal program.

2. The first content is an advertisement related to the affiliated store. The terminal program described in claim 1.

3. The transmission unit transmits, in addition to the first information and the second information, a fourth piece of information relating to the user's attributes to the recommendation device. The recommendation device determines the first content based on the first information, the second information, and the fourth information. The terminal program described in claim 1.

4. The transmission unit transmits, in addition to the first information and the second information, a fifth piece of information relating to the products subject to the electronic payment to the recommendation device. The recommendation device determines the first content based on the first information, the second information, and the fifth information. The terminal program according to claim 1.

5. The recommendation device further determines the first content based on the limit on the number of times the same content is displayed to the user. The terminal program according to claim 1.

6. The recommendation device further includes the user and determines the first content based on a limit on the number of times the same content is displayed to all users who have performed the electronic payment at the merchant. The terminal program according to claim 1.

7. Owned by the user, An acquisition unit that obtains completion notifications for electronic payments made at participating merchants from the payment device, Upon receiving the completion notification, the transmission unit transmits to the recommendation device first information for requesting the user to decide on the content to be displayed on the first screen that notifies the user that the electronic payment has been completed, and second information for identifying the merchant. A display control unit that displays the first content on the first screen based on third information relating to the first content determined by the recommendation device in accordance with at least the first information and the second information, Equipped with, The aforementioned completion notice is a notice that informs the user that the electronic payment has been successfully completed after the electronic payment procedure has been executed. Terminal.

8. It is executed on a device owned by the user. Upon receiving a completion notification from the payment device regarding an electronic payment executed at the merchant, Upon receiving the completion notification, the recommendation device transmits to the recommendation device first information for requesting the user to decide on the content to be displayed on the first screen that notifies the user that the electronic payment has been completed, and second information for identifying the merchant. Based on third information relating to the first content determined by the recommendation device in accordance with at least the first information and the second information, the recommendation device displays the first content on the first screen. The aforementioned completion notice is a notice that informs the user that the electronic payment has been successfully completed after the electronic payment procedure has been executed. Information processing methods.

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