JP2020091760A - Information processing program, information processing method, and information processing device - Google Patents

Abstract

To provide an information processing program and the like, allowing a user to select a desired identification code and make settlement even when a plurality of identification codes are prepared for settlement of business dealings by the user.SOLUTION: An information processing program causes an information processing device to perform the steps of: dynamically displaying specific information; acquiring settlement information associated with the specific information; and displaying both the specific information and the settlement information associated with the specific information together.SELECTED DRAWING: Figure 7

Description

The present disclosure relates to an information processing program, an information processing method, and an information processing device.

A so-called mobile payment (mobile payment) using a terminal such as a mobile phone or a smartphone owned by a user is known as an easier payment method than a credit card or debit card payment. According to such mobile payment, even if the user does not carry a credit card or the like, it is possible to carry out a commercial transaction such as purchasing a product or service at an actual store. In addition, among the mobile payment methods, QR payment (also referred to as QR code payment) using a new payment scheme, a QR code (registered trademark; the indication to that effect is omitted hereinafter), is collectively referred to as "QR payment." Recently, attention has been paid particularly to the identification code settlement represented by "."), and its popularization activity has become active (for example, Non-Patent Document 1).

In addition, as a concrete method of identification code settlement such as QR settlement, a CPM (Consumer Presented Mode) which displays an identification code associated with the user on the user's terminal or the like and reads it with a store-side terminal or a reading device will be described later. (Corresponding to "store-reading QR payment") and an identification code associated with the store are displayed on a terminal on the store side and read by the user's terminal MPM (Merchant Presented Mode; "user-reading QR settlement" described later) Two types of methods are known.

Feedmatic Blog, “Latest trend of QR code settlement Summary 2018-From mechanism and merit to service list” [Search on November 12, 2018], Internet <URL: https://blog.feedmatic.net/entry/2018 /07/19/155453＞

(Problem 0)
In one aspect, the present disclosure aims to provide an information processing program, an information processing method, and an information processing apparatus capable of improving the convenience of a user in a commercial transaction.

(Issue 1)
In addition, for example, in an identification code payment system using the MPM method, a plurality of identification codes corresponding to a plurality of payment operators are installed at or near a cash register on the store side when a transaction is settled (payment of charges). Expected to be done. However, in such a situation, when the user tries to read a desired identification code, there is a case in which a plurality of identification codes including other identification codes are unintentionally read. As a result, the identification code desired by the user may not be selected, or payment may be performed using the identification code not desired by the user.

Therefore, in one aspect, the present disclosure has been made in view of such circumstances, and even when a plurality of identification codes are prepared for payment of a commercial transaction, the user selects a desired identification code to perform payment. An object is to provide an information processing program, an information processing method, and an information processing device that can be executed.

(Issue 2)
In addition, as a form of commerce, a user is a purchaser, and a user purchases a desired product in a commerce service that has an electronic commerce platform for purchase such as a shopping mall on the web. Then, for example, there is a case in which an item or the like is put up for sale in a commercial transaction service having an electronic commercial transaction platform for sale such as an auction service or a free market service. In these cases, the user generally investigates the selling price or the winning bid price of the corresponding product in various commercial transaction services and selects the commercial transaction service having a more advantageous actual value. However, if the investigation by the user is insufficient, it may not be possible to make purchases or sales with an advantageous commercial transaction service, and as a result, the user may miss a useful commercial transaction opportunity. In addition, such survey and selection work is complicated and troublesome for the user, and it is assumed that the user may hesitate to conduct commercial transactions.

Therefore, in one aspect, the present disclosure has been made in view of such circumstances, and reduces the user's time and effort in commerce while improving the convenience of the user while securing an opportunity for commerce useful for the user. It is an object of the present invention to provide an information processing program, an information processing method, and an information processing device capable of performing the above.

(Problem 3)
Also, for example, when accounting for products in stores, campaigns may be implemented to give customers benefits such as lottery using paper media and coupons, but withdraw lots and receive coupons There are users who find the work to be troublesome. Moreover, if such an operation occurs during QR settlement, the convenience of QR settlement, which is excellent in convenience and speed, may be impaired.

Therefore, in one aspect, the present disclosure has been made in view of such circumstances, and it is possible to give a privilege to a user without impairing the convenience of the QR settlement, thereby adding the QR settlement. An object of the present invention is to provide an information processing program, an information processing method, and an information processing device that can increase the value.

(Means 1)
An information processing program according to an embodiment of the present disclosure, a step of dynamically displaying specific information on an information processing device, a step of acquiring payment information associated with the specific information, the specific information, And a step of displaying the payment information associated with the specific information together.

(Means 2)
An information processing program according to an embodiment of the present disclosure, in an information processing device, a step of obtaining specific information, a step of dynamically displaying the specific information, and product information associated with the specific information, The step of acquiring from one or more commercial transaction services and the step of displaying at least one piece of the specific information and the product information associated with the information together are executed.

(Means 3)
An information processing program according to an embodiment of the present disclosure is an information processing apparatus in which a step of acquiring specific information associated with a store and additional information associated with the specific information are virtually expanded. And a step of displaying as visual information.

The “store” in the present disclosure includes a physical store and a virtual store operated by a corporation or an individual. In addition, “commercial transaction” includes the purchase, lending, and use of tangible or intangible goods or services (services) at the “store”, and the act of payment of the amount of consideration for the commercial transaction by the user who performed the commercial transaction. Including. Further, the "goods or services" include, but are not limited to, goods and services sold (paid transfer) or provided by in-situ sales service, electronic transaction service, content sales service, subscription type service, financial service, etc. Is included. Further, the "identification code" includes, by way of example and not limitation, a one-dimensional code such as a barcode and a two-dimensional code such as a QR code. In addition, the “lottery” in the present disclosure is a state in which the user is not provided with information on the correspondence relationship between the winning target of the lottery (winning product etc.) and its allocation target (which winning target is allocated to which allocation target). Indicates that the user selects an allocation target, and the correspondence relationship between the winning target and the allocation target may be set before or after the lottery (selection of allocation target). In addition, the “coupon” in the present disclosure indicates a discount ticket, a preferential ticket, a free ticket, etc. that can be used by the user under certain conditions or unconditions, and may include a plurality of these tickets or a single ticket.

FIG. 1 illustrates a configuration of a communication system according to an aspect of the embodiment. FIG. 2 illustrates an example of the hardware configuration of the information processing device according to the present disclosure. FIG. 3 is a schematic diagram schematically showing the outline of the configuration of the payment system according to the first embodiment. FIG. 4 shows an example of a block diagram showing a functional configuration of the information processing apparatus that constitutes the payment system according to the first embodiment. FIG. 5 shows an example of a block diagram showing a functional configuration of the information processing apparatus that constitutes the payment system according to the first embodiment. FIG. 6 shows an example of a sequence diagram of processing of the server and the terminal according to the first embodiment. 7A to 7D are conceptual diagrams schematically showing a state in which the process according to the first embodiment is being performed. FIG. 8 shows an example of a sequence diagram of processing of the server and the terminal according to the first example of the first embodiment. FIG. 9 shows an example of a sequence diagram of processing of the server and the terminal according to the second example of the first embodiment. FIG. 10 is a schematic diagram schematically showing the outline of the configuration of the commercial transaction system according to the second embodiment. FIG. 11 shows an example of a block diagram showing a functional configuration of an information processing apparatus that constitutes the commercial transaction system according to the second embodiment. FIG. 12 shows an example of a block diagram showing a functional configuration of an information processing device that constitutes the payment system according to the second embodiment. FIG. 13 shows an example of a sequence diagram of processing of the server and the terminal according to the second embodiment. 14A to 14D are conceptual diagrams schematically showing a state in which the process according to the second embodiment is being performed. FIG. 15 shows an example of a sequence diagram of processing of the server and the terminal according to the first example of the second embodiment. FIG. 16 shows an example of a sequence diagram of processing of the server and the terminal according to the second example of the second embodiment. FIG. 17 shows an example of a sequence diagram of processing of the server and the terminal according to the third embodiment. FIG. 18 shows an example of a sequence diagram of processing of the server and the terminal according to the first example of the third embodiment.

<Legal compliance>
The disclosures described herein, when implemented, are performed in compliance with the laws of each country in which the disclosure is implemented. In addition, the disclosure described herein is implemented with all changes, substitutions, variations, alterations, and modifications that can be made by those skilled in the art, in order to comply with the laws of each country.

A mode for carrying out an information processing program, an information processing method, and an information processing apparatus according to the present disclosure will be described with reference to the drawings.

<System configuration>
FIG. 1 shows a configuration of a communication system 1 for effectively implementing an information processing method according to an embodiment of the present disclosure. As disclosed in FIG. 1, in the communication system 1, the server 110A, the server 110B, the terminal 120A, the terminal 120B, and the terminal 120C via the network 130, and the server 110A, a server different from the server 110B, for example, another business. External server 140 for an external system operated by a business person (a business operator that provides other settlement services, a business operator that provides another commercial transaction platform, a financial institution, a credit card company, etc.) or another business unit. .. The external server 140 may not be connected.

In the present disclosure, when it is not necessary to distinguish between the server 110A and the server 110B, the server 110A and the server 110B may be expressed as the server 110, respectively.

In the present disclosure, if it is not necessary to distinguish between the terminal 120A, the terminal 120B, and the terminal 120C, the terminal 120A, the terminal 120B, and the terminal 120C may be expressed as the terminal 120, respectively.

In the present disclosure, when it is not necessary to distinguish between the server 110 and the terminal 120, the server 110 and the terminal 120 may be respectively expressed as the information processing device 200. The number of information processing devices 200 and the number of external servers 140 connected to the network 130 are not limited.

The server 110 provides a predetermined service to the terminal 120 used by the user via the network 130. The predetermined service includes, but is not limited to, a payment service, a financial service, a commercial transaction service, an SNS (Social Networking Service) typified by instant messenger, and a content providing service such as music, movies, and books. When the user uses a predetermined service via the terminal 120, the server 110 can provide the predetermined service to one or more terminals 120.

In the present disclosure, the settlement service (settlement means) means a service in which one or more users can exchange money or cash equivalents. By way of example and not limitation, one-dimensional code (bar code, etc.), two-dimensional code (QR code (registered trademark), etc.) (hereinafter, one-dimensional code and two-dimensional code are collectively referred to as “two-dimensional code, etc.” or “identification”). Code)), near field communication (NFC (Near Field Communication), BLE (Bluetooth (registered trademark) Low Energy), Wi-Fi (registered trademark), ultrasonic communication, infrared communication, etc.) Including payment services. In addition, the fact that the terminal 120 of the user (payer) who pays the price reads the two-dimensional code or the like to perform the payment is referred to as “user-readable code payment” or “MPM (Merchant Presented Mode)”, and the payment is performed. The terminal 120 of the user who performs the transaction displays a two-dimensional code or the like, and the displayed two-dimensional code or the like is read by the terminal 120 of the user (seller, biller) such as the store side who charges the price for payment. This is referred to as “store-reading type code settlement” or “CPM (Consumer Presented Mode)”. The MPM and CPM may be dynamic or static.

A terminal used by the user X will be referred to as a terminal 120X as necessary. The user information is user information associated with an account used by the user in a predetermined service. The user information is, for example, without limitation, input by the user or given by a predetermined service, the user's name, the user's icon image, the user's age, the user's gender, the user's address, the user's hobby. Information such as tastes, user identifiers, and other information associated with users, electronic value (electronic money) balance information associated with users, credit card information (credit card numbers, etc.) associated with users, Any one of them or a combination thereof may be used.

The network 130 has a role of connecting two or more information processing devices 200. The network 130 refers to a communication network that provides a connection path so that the terminal 120 can send and receive data after connecting to the server 110.

One or more portions of network 130 may be wired or wireless networks. The network 130 is, by way of example and not limitation, an ad hoc network, an intranet, an extranet, a virtual private network (VPN), a local area network (LAN), wireless. LAN (Wireless LAN: WLAN), wide area network (Wide Area Network: WAN), wireless WAN (Wireless WAN: WWAN), metropolitan area network (Metropolitan Area Network: MAN), part of the Internet, public switched telephone network (Public) Switched Telephone Network: Part of PSTN, mobile phone network, ISDNs (Integrated Service Digital Networks), wireless LANs, LTE (Long Term Evolution), CDMA (Code Division Multiple Access), Bluetooth (Bluetooth (registered trademark)), satellite Communication, etc., or a combination of two or more of these may be included. Networks 130 may include one or more networks 130.

The information processing device 200 may be any information processing device as long as it can realize the functions and methods described in the present disclosure. The information processing device 200 includes, by way of example and not limitation, a smartphone, a mobile phone (feature phone), a computer (for example, but not limited to, a desktop, laptop, tablet, etc.), a server device, a media computer platform (for example and not by way of limitation). , Cables, satellite set-top boxes, digital video recorders, etc.), handheld computing devices (eg, without limitation, PDA (Personal Digital Assistant), email clients, etc.), wearable terminals (eg, without limitation, eyeglass-type devices, Including clock-type devices), other types of computers, or communication platforms.

<Hardware configuration>
The hardware configuration of the information processing device 200 included in the communication system 1 will be described with reference to FIG.

The information processing device 200 includes a processor 201, a memory 202, a storage 203, an input/output interface (input/output I/F) 204, and a communication interface (communication I/F) 205. The components of the hardware of the information processing device 200 are connected to each other via the bus B as an example and not a limitation.

The information processing apparatus 200 realizes the functions and/or methods described in the present disclosure by cooperation of the processor 201, the memory 202, the storage 203, the input/output I/F 204, and the communication I/F 205. To do.

The processor 201 executes the function and method realized by the code or instruction included in the program stored in the storage 203. The processor 201 is, by way of example and not limitation, a central processing unit (CPU), MPU (Micro Processing Unit), GPU (Graphics processing Unit), microprocessor (microprocessor), processor core (processor core), multiprocessor (multiprocessor). , ASIC (Application-Specific Integrated Circuit), FPGA (Field Programmable Gate Array), etc., and a logic circuit (hardware) formed in an integrated circuit (IC (Integrated Circuit) chip, LSI (Large Scale Integration)) or the like, Each process disclosed in each embodiment may be realized by a dedicated circuit. Further, these circuits may be realized by one or a plurality of integrated circuits, and the plurality of processes shown in each embodiment may be realized by a single integrated circuit. Further, the LSI may be referred to as VLSI, super LSI, ultra LSI, or the like depending on the degree of integration.

The memory 202 temporarily stores the program loaded from the storage 203 and provides a work area to the processor 201. The memory 202 also temporarily stores various data generated while the processor 201 executes the program. The memory 202 includes, for example and without limitation, a RAM (Random Access Memory), a ROM (Read Only Memory), and the like.

The storage 203 stores the program. The storage 203 includes, for example and without limitation, a HDD (Hard Disk Drive), an SSD (Solid State Drive), a flash memory, and the like.

The communication I/F 205 transmits and receives various data via the network 130. The communication may be executed by wire or wireless, and any communication protocol may be used as long as mutual communication can be executed. The communication I/F 205 has a function of performing communication with another information processing device via the network 130. The communication I/F 205 transmits various data to another information processing device according to an instruction from the processor 201. Further, the communication I/F 205 receives various data transmitted from another information processing device and transfers the data to the processor 201.

The input/output I/F 204 includes an input device that inputs various operations on the information processing device 200 and an output device that outputs a processing result processed by the information processing device 200. In the input/output I/F 204, an input device and an output device may be integrated, or an input device and an output device may be separated.

The input device is realized by any of all types of devices capable of receiving an input from the user and transmitting information related to the input to the processor 201, or a combination thereof. The input device includes, by way of example and not limitation, a touch panel, a touch display, a hardware key such as a keyboard, a pointing device such as a mouse, a camera (operation input via an image), and a microphone (operation input by voice).

The output device is realized by any of all types of devices capable of outputting the processing result processed by the processor 201, or a combination thereof. When outputting the processing result as a video or a moving image, the output device is realized by any one or a combination of all types of devices capable of displaying the display data according to the display data written in the frame buffer. To be done. The output device is, for example and without limitation, a touch panel, a touch display, a monitor (as an example without limitation, a liquid crystal display, an OELD (Organic Electroluminescence Display), etc.), a head mounted display (HDM: Head Mounted Display), projection mapping, a hologram. , A device capable of displaying an image or text information in the air (may be a vacuum), a speaker (voice output), a printer, and the like. Note that these output devices may be capable of displaying display data in 3D.

The program of each embodiment of the present disclosure may be provided in a state of being stored in a computer-readable storage medium. The storage medium can store the program on a “non-transitory tangible medium”. Programs include, by way of example and not limitation, software programs and computer programs.

The storage medium is, where appropriate, one or more semiconductor-based or other integrated circuits (ICs) such as, but not limited to, field programmable gate arrays (FPGAs), application specific ICs (ASICs), etc. ), hard disk drive (HDD), hybrid hard drive (HHD), optical disk, optical disk drive (ODD), magneto-optical disk, magneto-optical drive, floppy diskette, floppy disk drive (FDD), magnetic It may include tape, solid state drive (SSD), RAM drive, secure digital card or drive, any other suitable storage medium, or any suitable combination of two or more thereof. The storage medium may be volatile, non-volatile, or a combination of volatile and non-volatile, where appropriate.

Further, the program of the present disclosure may be provided to the information processing device 200 via any transmission medium (communication network, broadcast wave, or the like) capable of transmitting the program. Each embodiment of the present disclosure can also be realized in the form of a data signal embedded in a carrier wave in which a program is embodied by electronic transmission.

It should be noted that the program of the present disclosure may be implemented using, for example and without limitation, scripting languages such as JavaScript (registered trademark) and Python, C language, Go language, Swift Kotlin, Java (registered trademark), and the like.

At least a part of the processing in the information processing device 200 may be realized by cloud computing including one or more computers.

At least a part of the processing in the information processing device 200 may be performed by another information processing device. In this case, at least a part of the processing of each functional unit realized by the processor 201 may be configured to be performed by another information processing device.

<Other>
Unless explicitly stated, the configuration of the determination in the embodiment of the present disclosure is not essential, a predetermined process is operated when the determination condition is satisfied, or a predetermined process is performed when the determination condition is not satisfied. You may.

In this disclosure, unless stated otherwise or indicated by context, "at least one of A and B" means "A, B, or both." Further, unless otherwise specified or indicated by context, “a”, “an”, or “the” shall mean “one or more”. Thus, as used herein, unless otherwise indicated or indicated by context, "axn A" or "the A" means "one or more A."

This disclosure includes all changes, substitutions, variations, alterations, or modifications made by those skilled in the art to the embodiments and examples of the present disclosure. Also, the appended claims cover all changes, substitutions, variations, alterations, or modifications made by those skilled in the art to the embodiments and examples of the present disclosure. Furthermore, this disclosure includes any combination of one or more features of the embodiments or examples in this disclosure with one or more features of other embodiments or examples in this disclosure that can be made by those skilled in the art. To do.

Additionally, a device or system or device or component of a device or system adapted, arranged, capable, configured, usable, operable, or operable to perform a particular function. References in the appended claims to that device, system, or component are so adapted, arranged, capable, configured, enabled, enabled. Device, system, component, whether the device, system, component or its particular features are activated, turned on, or unlocked, as long as the device, system, component is activated or unlocked.

Unless otherwise specified, the present disclosure may obtain consent from a user prior to or immediately before implementing any of the embodiments or examples. Further, the consent to be obtained may be comprehensive or may be obtained each time.

Hereinafter, an embodiment according to an example of the present disclosure will be described with reference to the drawings. However, the embodiments described below are merely examples, and are not intended to exclude various modifications and application of techniques not explicitly shown below. That is, the example of the present disclosure can be variously modified and implemented without departing from the spirit thereof. Also, in the following description of the drawings, the same or similar reference numerals are given to the same or similar portions, and the drawings are schematic and do not necessarily match actual dimensions and ratios. Furthermore, the drawings may include portions having different dimensional relationships and ratios.

<First Embodiment>
In the first embodiment, a user uses a terminal 120 such as a smartphone and a store uses a terminal 120 such as a tablet, and online processing is performed via the network 130, and payment of a commercial transaction by the user in the store is performed using an identification code. It is an embodiment showing an example of application to electronic payment.

FIG. 3 is a schematic diagram schematically showing the outline of the configuration of the payment system according to the first embodiment. In the configuration, a payment system 610 is constructed by a plurality of information processing devices 200, for example, a terminal 120 of a user who conducts a commercial transaction at a store, and related servers 600a to 600c for a plurality of types of payment services A to C. In addition to the server 110, the related servers 600a to 600c may be wholly or partially realized by the function of the external server 140.

In this settlement system 610, when the user conducts a commercial transaction such as product purchase in the store, the store presents to the user one or more identification codes QRa to QRc issued by the business operators of the settlement services A to C. Then, the user reads it by imaging the identification code using the imaging function of the input/output I/F 204 of the terminal 120. The terminal 120 of the user determines the read identification codes QRa to QRc, and acquires the payment information Ka to Kc regarding the user's purchased product or the like from the associated servers 600a to 600c of the payment services A to C corresponding to the read identification codes QRa to QRc. Then, the user's terminal 120 performs appropriate processing, and, if necessary, associates the necessary payment information Ka to Kc with the identification codes QRa to QRc, for example, the both relevant information, and then enters the terminal 120. It is displayed on the output I/F 204. At this time, the identification codes QRa to QRc are not uniformly displayed in the same state, but are dynamically displayed according to the state (size, position, focus degree, etc.) in the captured image.

Then, the user specifies a payment amount (amount of consideration for the commercial transaction) on the terminal 120 and selects one of the payment services A to C to be used, whereby cashless/walletless payment is possible. Become. When any of the payment services A to C is selected, the user's terminal 120 sends a payment request (payment request) together with the payment amount (counterfeit amount) of the commercial transaction to a server associated with the selected payment service. If the related server approves when a predetermined condition is satisfied, the payment amount of the commercial transaction is withdrawn from the user account account associated with the user and is deposited into the store account account.

As a method of presenting the identification code to the user, for example, a method of displaying the identification code on the input/output I/F 204 of the information processing apparatus 200 used in the store, a paper medium or a plate-shaped medium on which the identification code is printed, is used. And the like can be included in the user's terminal 120 so that they can be read. Further, as the user account account and the store account account, for example and without limitation, an electronic value such as a dedicated or general-purpose electronic money card or an electronic money account, an account that holds and manages sales proceeds in a specific commercial transaction, a specific service Accounts that hold and manage points (money equivalents) that can be used in, accounts that hold and manage credit card cashing lines (lending amount), financial accounts at banks and securities companies, or in virtual currency exchanges, for example. Examples include financial accounts that hold and manage deposits, operating funds, and owned assets. Further, “withdrawal” to the account may be expressed as subtracting the balance or value, “deposit” may be expressed as adding the balance or value, and the like.

As described above, the “identification codes QRa to QRc” correspond to an example of “specific information” in the present disclosure, the “payment information Ka to Kc” corresponds to an example of “payment information” in the present disclosure, and a “purchase product” Etc." corresponds to an example of the "commodity transaction object" in the present disclosure.

<Effects of First Embodiment>
According to the present embodiment, the user can use the terminal 120 to read the identification codes QRa to QRc in a lump at a time, dynamically display them, and settle the settlement information Ka to Kc in the settlement services A to C. Can be obtained and displayed together with the identification codes QRa to QRc. As a result, the user can intuitively and easily recognize the identification codes QRa to QRc and the payment information Ka to Kc. Therefore, the user can confirm the payment information from among the plurality of payment services A to C and obtain the desired information. The identification code of the payment service can be efficiently selected. Further, since it is not necessary to check the payment information separately from the processing in the payment system, it is possible to reduce the labor of the user and save the resource usage of the information processing device. Further, even if the identification code is single rather than plural, since the payment information is displayed together with the identification code, there is an advantage that it becomes easy to determine whether or not the payment service corresponding to the identification code can be used. Also in this case, it is possible to realize further saving of user's labor and resources used.

<Functional configuration of the first embodiment>
Functional configurations of the server 110 and the terminal 120 will be described with reference to FIGS. 4 and 5. FIG. 4 and FIG. 5 show an example of a block diagram showing the functional configuration of the information processing apparatus that constitutes the settlement system according to the first embodiment, which is constructed by the information processing apparatus 200 (server 110 and each terminal 120). It is also a diagram showing an overall schematic configuration of a settlement system 610 according to the present invention. The functional units disclosed in FIGS. 4 and 5 are realized by cooperation of the processor 201, the memory 202, the storage 203, the input/output I/F 204, and the communication I/F 205 included in the information processing apparatus 200. That is, the processor 201 of the information processing apparatus 200 illustrated in FIG. 2 stores various programs (control programs, calculation programs, and the like relating to the settlement service, the commercial transaction service, and other services) stored in the storage 203 in the memory 202 (for example, RAM). Expand to. Then, the processor 201 interprets and executes various programs expanded in the memory 202 to control each hardware component, thereby realizing the functional configuration described below.

Each function realized by the information processing device 200 may be realized by the processor 201 such as a general-purpose CPU, or a part or all of the function may be realized by one or a plurality of dedicated processors 201. Good. Further, the functional configuration realized by the information processing apparatus 200 may of course be appropriately omitted, replaced, or added depending on the embodiment or the example.

(1) Functional Configuration of Server As shown in FIG. 4, the server 110 has an input/output I/F 311, a communication I/F 312, a control unit 313, and a storage unit 314, and is related to a settlement service or a commercial transaction service. Acts as a server. The input/output I/F 311 corresponds to the input/output I/F 204 in FIG. 2, and the communication I/F 312 corresponds to the communication I/F 205 in FIG. Further, the control unit 313 includes a payment management unit 315, an account management unit 316, a deposit/withdrawal management unit 317, and a display management unit 318. The function or processing of each functional unit may be realized by machine learning or AI (Artificial Intelligence) as far as possible.

In the server 110, the payment system program stored in the storage unit 314 is executed by the processor 201, and as described above, the payment system for making payment in the commercial transaction by the user using the identification code. 610 is built. In addition, the storage unit 314 stores the information about the user (user information X) in association with each user, the information about the store (store information Y) in association with each store, and the identification code in association with each store. In addition, various other information Z is also stored.

Here, the user information X is, for example, without limitation, basic registration information such as a user ID, name, address, telephone number, and email address, user account account information (account number, cash deposit/saving, electronic money, operating fund). , Reserve funds, sales proceeds, points, balances such as credit card cashing slots, and withdrawal/withdrawal history (amount, location information, etc.) Further, the store information Y includes, for example and without limitation, a store ID, Basic registration information such as store name, business name, representative name, location, telephone number, e-mail address, number of employees, etc., store account account information (account number, cash deposit/savings, electronic money, operating fund, reserve fund, sales amount) Such as balance, deposit/withdrawal history (amount, location information, etc.).

Furthermore, the various information Z includes, for example and without limitation, the payment information described below, transaction information in a commercial transaction between each store and each user (contents of service relating to transaction, transaction amount, transaction time, location information, environment). (Payment information including information), various setting parameters and calculation parameters required for processing executed by the payment system 610, operation logs in the payment system 610, and the like. When the user account account and the store account account are provided in the external server 140, for example, the server 110 acquires information about the user account account and the store account account from the external server 140 via the network 130. , And can be stored in the storage unit 314.

The payment management unit 315 of the control unit 313 in the server 110 executes many processes related to payment described below. That is, the payment management unit 315 generates an identification code for identifying the store, registers the store in the payment system 610, accepts a payment information request in a commercial transaction by the user, and transmits the payment information to the user's terminal 120. Accepting payment requests for payments in commercial transactions, instructing the procedures necessary for deposit processing at stores, executing payments (withdrawing payments from user account accounts and depositing payments to store account accounts), and managing them Has the function of performing.

Further, the account management unit 316 associates the user account account, the store account account, and the account information with each user and each store, the notification processing of the account information to the user and the store, the user account account and the store. It has a function to perform processing related to account account balance update, and to manage them.

Furthermore, the deposit/withdrawal management unit 317 performs processing related to acceptance and withdrawal of a request for withdrawal of payment amount from a user account account, processing regarding acceptance and withdrawal of request for withdrawal of payment amount to a store account account, and management thereof. Have the function to do.

In addition, the display management unit 318 provides a user interface (UI) for various processing by the payment system 610 via each input/output I/F 321 (output device) of the user terminal 120 and the store terminal 120 as necessary. It has a function of performing processing related to creation of image data for display as well as its management. The UI includes, by way of example and not limitation, user information X, store information Y, various information Z, an identification code, a screen for reading the identification code, operation states on the screen of the terminal 120 by the user and the store, and the like.

(2) Functional Configuration of Terminal As shown in FIG. 5, the user terminal 120 and the store terminal 120 have an input/output I/F 321, a communication I/F 322, a control unit 323, and a storage unit 324. The input/output I/F 321 corresponds to the input/output I/F 204 in FIG. 2, and the communication I/F 322 corresponds to the communication I/F 205 in FIG. The control unit 323 also includes an information management unit 325, an order processing unit 326, an instruction processing unit 327, and a display processing unit 328. The function or processing of each functional unit may be realized by machine learning or AI (Artificial Intelligence) as far as possible.

In the terminal 120 of the user and the terminal 120 of the store, the payment system application (program) stored in the storage unit 324 is executed by the processor 201, so that the user and the store access the payment system 610 and use the identification code. You can use the payment service that you used.

(2-A) User's terminal 120
In the terminal 120 of the user, the information management unit 325 of the control unit 323 manages the input parameters required by the user for various processes executed in the payment system 610, controls various setting processes and various arithmetic processes in the terminal 120, and controls from the store. Processing required for reading the presented identification code, transmission of a payment information request to the related server (each server 110) of the payment service and receipt of the payment information, selection processing of the payment information, and association of the identification code with the payment information. Have the function to do. Further, the order processing unit 326 has a function of performing a process related to an order in a commercial transaction by the user, which is transmitted to the server 110, and a process related to settlement such as a settlement request for a payment amount.

Further, the instruction processing unit 327 performs processing relating to a payment information request to be transmitted to the server 110, a payment request, and an instruction by a user other than an order (for example, an instruction for various settings and changes, an instruction to allocate funds to a user account account, etc.). Have the function to do. Further, the display processing unit 328 outputs UI images for various settings and various processes of the payment system 610 executed on the user's terminal 120 side based on the image data transmitted from the server 110, and the input/output I/F 321 of the terminal 120. In addition to the function of displaying via the (output device), the function of performing processing related to creation of various image data performed by the display management unit 318 of the server 110 and management thereof in place of the server 110, if necessary. Have.

(2-B) Store terminal 120
In the terminal 120 of the store, the information management unit 325 of the control unit 323 manages input parameters by the store necessary for various processes executed in the payment system 610, controls various setting processes and various arithmetic processes in the terminal 120 of the store, As necessary, it has a function of performing processing necessary for displaying the identification code presented to the user. Further, the order processing unit 326 has a function of performing processing relating to sales sales of an order in a commercial transaction by the user, and processing relating to a settlement request of a payment amount by the user and a sales item or a person in charge of a store.

Further, the instruction processing unit 327 has a function of performing processing related to instructions by the store (for example, instructions for various settings and changes, instructions necessary for maintenance and management of the store account account, etc.) other than the processing for accounting for sales. Further, the display processing unit 328 inputs a UI image including identification codes for various settings and various processes of the payment system 610 executed on the terminal 120 side of the store on the terminal 120B based on the image data transmitted from the server 110. It has a function of displaying through the output I/F 321 (output device).

<Operation processing of the first embodiment>
Processing of the payment system 610 according to the present embodiment will be described with reference to FIGS. 6 and 7. FIG. 6 illustrates an example of a sequence diagram of a process of the server 110 (here, shown as related servers 600a to 600c of the payment services A to C) and the terminal 120 according to the first embodiment, and also to the present disclosure. It is also a figure which shows an example of the processing procedure in the information processing method which concerns. Further, FIGS. 7A to 7D are conceptual diagrams schematically showing a state in which the process according to the first embodiment is being performed. Note that the processing procedure described below is merely an example, and each processing may be modified as much as possible within the scope of the technical idea of the present disclosure, and omission of steps, replacement, and addition may be appropriately performed. is there.

(Step SP11)
First, in step SP11, when the user starts the terminal 120 and executes the payment system application (program) at an arbitrary timing before and after the commercial transaction, a predetermined login screen is displayed via the input/output I/F 321 of the terminal 120. Is displayed. When the user inputs his/her login information from the input/output I/F 321 (input device), the instruction processing unit 327 sends the information to the server 110, which is the operation server of the payment system 610, and the login is permitted. The image data of the initial screen generated by the unit 318 is transmitted to the terminal 120. The display processing unit 328 of the terminal 120 displays the initial screen via the input/output I/F 321 (output device) based on the image data.

The initial screen is, for example, without limitation, a specific screen provided as a default, various setting screens, portal site screens of commerce services and e-commerce, individual site screens thereof, various payment services and user account accounts. The information screen, the menu selection screen, the identification code reading/management screen, the screen displayed by the user at the time of the last login, the custom screen by the user, and a screen combining these.

(Step SP12)
After the user conducts a commercial transaction (such as purchase of a product) and the identification code is ready to be read on the user's terminal 120, the user corresponds to each of a plurality of payment services installed in or near the cash register on the store side. The identified identification codes QRa to QRc are read. Here, for example, the user switches the display screen of the terminal 120, displays the identification code reading screen via the input/output I/F 321, and images the presented identification codes QRa to QRc, thereby collectively ( It is read (as one image) (see FIGS. 7A and 7B). Further, based on the read image shown in FIG. 7B, the information management unit 325 of the terminal 120 determines the identification codes QRa to QRc, and the information management unit 325 and the display processing unit 328 identify the read image. The identification codes QRa to QRc are re-displayed in a mode (for example, equivalent area ratio) corresponding to the states of the codes QRa to QRc (see FIG. 7C; however, re-display may be omitted). As described above, step SP12 corresponds to an example of “a step of dynamically displaying the specific information” in the present disclosure. The specific information to be acquired may be any one of the identification codes QRa to QRc (that is, a single identification code).

(Steps SP13, SP61)
Next, in step SP13, the user switches the display screen of the terminal 120 to display the payment amount input screen via the input/output I/F 321 and taps the numeric keys or inputs a voice to confirm the value of the commercial transaction. Specify the amount. The designation of the consideration for the commercial transaction may be performed after selecting the settlement service in step SP15 described later. Then, the information management unit 325 of the terminal 120 transmits a payment information request regarding the commercial transaction performed by the user to each of the related servers 600a to 600c of the payment services A to C corresponding to the identification codes QRa to QRc. Next, in step SP61, each of the related servers 600a to 600c that received the payment information request extracts or selects the payment information Ka to Kc corresponding to, for example, a preset item, and transmits the payment information Ka to Kc to the user's terminal 120. As described above, steps SP13 and SP61 correspond to an example of “a step of acquiring payment information associated with specific information” in the present disclosure.

Here, as the “payment information”, for example, without limitation, in each of the payment services A to C, information regarding the business operator (business operator), the balance of the associated user account account, the balance of usable points, and the coupon. Information on your balance, information on the amount of points (or point rate) that are awarded, information on coupons, information on other benefits, information on payments or payments after reducing coupons or points, campaigns in progress or in progress Information, the number of times of use or the frequency of use, or information about the rank of the user corresponding thereto, information about a registered credit card, information about special benefits at the store, and the like.

(Step SP14)
Next, in step SP14, the information management unit 325 of the terminal 120 selects, for example, the payment information Ka to Kc of a preset item from the acquired payment information Ka to Kc as necessary, and manages the information. The unit 325 and the display processing unit 328 display the identification codes QRa to QRc and the payment information Ka to Kc together on the screen via the input/output I/F 321. As described above, step SP14 corresponds to an example of “a step of displaying both the specific information and the payment information associated with the specific information” in the present disclosure.

Here, as a display mode of the identification code and the payment information, for example, without limitation, the payment information is displayed near the identification code displayed on the screen (for example, within a predetermined distance) (see FIG. 7D). ), display the payment information on the identification code, display the payment information in a balloon starting from the identification code, and tap the identification code to specify the payment information in the pop-up window. Is displayed or read aloud by voice, or the identification code and the payment information are displayed in association with each other in an appropriate manner. More specifically, for example, when the identification code and the payment information are displayed in the vicinity, the distance between the center of the identification code QRa and the center of the payment information Ka is equal to the center of the identification code QRa and the other payment information Kb, Kc. It can be set to be shorter than the distance of the central part of. Further, from the viewpoint of improving the visibility and variety of the display, AR (virtual reality) technology may be used to display the payment information as virtually expanded visual information.

(Steps SP15 and SP16)
Then, in step SP15, the user selects a desired payment service from the payment services A to C (refer to the payment service B here) while referring to the displayed payment information Ka to Kc. The identification code QRb corresponding to the settlement service B is designated by tapping or the like. Accordingly, in step SP16, the order processing unit 326 of the terminal 120 transmits the settlement request (settlement request) together with the designated amount to the related server 600b, and the settlement function by the settlement service B is activated.

(Steps SP62, SP63)
In step SP62, the payment management unit 315 and the account management unit 316 of the related server 600b that received the payment request confirm that the balance of the user account account is equal to or more than the specified amount, and the payment management unit 315 and the deposit/withdrawal management unit 317. Approves the settlement request. In step SP62, the designated amount of money is withdrawn from the user account account and deposited into the store account account associated with the identification code QRb.

Then, in step SP63, the account management unit 316 and the display management unit 318 of the related server 600b notify the user and the store of the completion of deposit/withdrawal and the updated balance of the user account account and the store account account, respectively. Image data of the screen is generated and transmitted to the user terminal 120 and the store terminal 120. The display processing unit 328 of both terminals 120 displays a settlement completion screen and a balance notification screen via the input/output I/F 321 (output device) based on the image data, and settlement of the commercial transaction using the identification code QRb. Processing related to is completed.

<<First Example>>
In the first example of the first embodiment, as the payment information displayed in association with the identification code, all the payment information of various items that can be acquired are displayed as they are or are not uniformly displayed but are acquired. In this embodiment, an option process for determining the type and display mode of the payment information to be displayed in accordance with a predetermined condition is performed.

<<Effects of First Example>>
According to the present embodiment, even when there is a large amount of payment information that can be acquired, it is possible to narrow down to the payment information that is useful to the user and then display and acquire it, so that the payment service that the user desires can be selected more efficiently. It becomes possible. As a result, it is possible to further reduce the trouble and complexity of the user in the settlement process, and further improve the convenience of the user. Moreover, since the display amount can be reduced by selecting the items to be acquired in advance, it is possible to further reduce the resource usage amount and the data communication amount of the information processing apparatus.

<<Operation processing of the first embodiment>>
FIG. 8 shows an example of a sequence diagram of processing between the server 110 (here, shown as related servers 600a to 600c of the payment services A to C) and the terminal 120 according to the present embodiment, and also relates to the present disclosure. It is also a figure which shows an example of the processing procedure in an information processing method. As shown in FIG. 8, in the present embodiment, after the identification code is read and displayed in step SP12, a predetermined option process is performed in step SP80, and then the related server of the settlement service corresponding to each identification code. In addition, except for transmitting the required payment information request, the same processing as the processing procedure in the first embodiment shown in FIG. 6 is performed. Hereinafter, various specific examples of the option processing will be described.

(Area judgment option)
Depending on the area (may be the area ratio) that the identification code captured and read by the user's terminal 120 occupies on the display screen (see FIG. 7B or 7C), for example, according to the following conditions: , It is possible to screen the type of payment information to be acquired and displayed.

Specifically, there is an example in which the payment information is acquired and displayed only for the identification code having a predetermined area or more in the imaged state. In the example shown in FIG. 7(B) or FIG. 7(C), since the user has a large intention to use the settlement service corresponding to the identification code QRb, it is presumed that the user mainly captured the identification code QRb. When the identification code QRb occupies a predetermined area or more and the identification codes QRa and QRc are less than the predetermined area, only the payment information in the corresponding payment service B is acquired and displayed, thereby making it easier for the user to confirm. Can be reduced.

Further, there is an example in which the payment information is acquired and displayed only for the identification code that is displayed largest on the display screen. In the example shown in FIG. 7(B) or FIG. 7(C), since the display area of the identification code QRb is the largest, only the payment information in the corresponding payment service B is acquired and displayed to confirm the user's confirmation. It can reduce the trouble. At this time, the type of payment information to be acquired and displayed may be a single item or multiple items.

Furthermore, regardless of whether the acquired identification code is single or plural, there is an example in which the item of the payment information to be acquired and displayed is determined according to the area on the display screen. For example, if the area is an identification code that is less than the specified value, only the information about the corresponding payment service provider is acquired and displayed. May be acquired and displayed. In addition, regardless of whether the acquired identification code is single or plural, for example, the larger the area ratio to the screen display (or conversely, the smaller), the larger the amount of settlement information to be displayed (or conversely, the smaller). You may do so. In this case, for example, for an identification code with a relatively small area ratio displayed in the distance, only the balance of the user account account or the like (one type of payment information) is displayed as the payment information, and the area ratio displayed in the vicinity is compared. As for the relatively large identification code, a mode in which the balance of the user account account and the latest settlement history (a plurality of types of settlement information) are displayed as the settlement information can be mentioned.

(Priority option for payment information)
A priority is set for each item of payment information, and the type of payment information to be acquired is determined according to the priority. In this case, the priority of each item can be selected and set by the user, for example. For example, among the payment information, the priority (display order) can be set in advance in the information about the business operator of the payment service, the balance of the user account account, the latest payment history, and the like.

(Priority option for payment service)
The priority is set for the payment service, and the payment information to be acquired is determined according to the priority. For example, it is possible to set priorities in descending order of usage history and usage frequency by the user, and obtain and display all or part of the payment information for only a predetermined number of payment services in descending order of priority. All or a part of the payment information may be acquired and displayed only for the payment service having the usage history by the user.

The information such as the priority and the usage history may be held on the user's terminal 120 side, and the process in the payment system may be performed by a server other than the related server of the payment service or a specific payment service. If it is premised that it goes through a related server, it may be held in that server. Further, although an example in which the payment information is displayed or hidden is described above, the display mode of the payment information may be determined according to various priorities. In this case, examples of the display mode include, but are not limited to, display colors, display fonts, display sizes, addition of animations and contents, and change of virtually expanded visual information. Thereby, the visibility of the payment information by the user can be improved.

<<Second Example>>
In the second example of the first embodiment, as the payment information displayed in association with the identification code, the acquired payment information of various items is not displayed all as it is or uniformly, but the type of payment information to be displayed and This is an example of performing an optional process for changing the display mode so as to meet a predetermined condition.

<<Effects of Second Embodiment>>
According to the present embodiment, even when there is a large amount of acquired payment information, it is possible to narrow down and display the payment information that is useful to the user, so that the payment service desired by the user can be selected more efficiently. As a result, it is possible to further reduce the trouble and complexity of the user in the settlement process, and further improve the convenience of the user. In addition, since the display amount can be reduced by selecting display items, it is possible to further reduce the resource usage amount of the information processing device.

<<Operation processing of the second embodiment>>
FIG. 9 shows an example of a sequence diagram of processing between the server 110 (here, shown as related servers 600a to 600c of the payment services A to C) and the terminal 120 according to the present embodiment, and also relates to the present disclosure. It is also a figure which shows an example of the processing procedure in an information processing method. As shown in FIG. 9, in the present embodiment, after obtaining the payment information Ka to Kc from the related servers 600a to 600c of the payment services A to C in step SP61, a predetermined option process is performed in step SP81. Thus, the same processing as the processing procedure in the first embodiment shown in FIG. 6 is executed except that the displayed payment information is changed to necessary payment information. Hereinafter, various specific examples of the option processing will be described.

(Area judgment option)
Depending on the area (may be the area ratio) that the identification code captured and read by the user's terminal 120 occupies on the display screen (see FIG. 7B or 7C), for example, according to the following conditions: The type of payment information to be displayed among the acquired payment information can be screened.

Specifically, there is an example in which the payment information is displayed only for the identification code having a predetermined area or more in the imaged state. In the example shown in FIG. 7(B) or FIG. 7(C), since the user has a large intention to use the settlement service corresponding to the identification code QRb, it is assumed that the user has imaged mainly the identification code QRb. Then, when the identification code QRb occupies a predetermined area or more and the identification codes QRa and QRc are less than the predetermined area, only the payment information in the corresponding payment service B is displayed to reduce the user's time and effort for confirmation. be able to.

Further, an example is given in which the payment information is displayed only for the identification code that is displayed largest on the display screen. In the example shown in FIG. 7(B) or FIG. 7(C), since the display area of the identification code QRb is the largest, displaying only the payment information in the corresponding payment service B reduces the user's time and effort for confirmation. be able to. At this time, the type of payment information to be displayed may be a single item or multiple items.

Further, there is an example in which the item of payment information to be displayed is changed according to the area on the display screen, regardless of whether the displayed identification code is single or plural. For example, if the area is an identification code smaller than a predetermined value, only information about the corresponding payment service provider is displayed, and if the area is an identification code larger than the predetermined value, only information about the balance of the user account account is displayed. You may do it. In addition, whether the identification code to be displayed is single or plural, for example, as the area ratio to the screen display becomes larger (or conversely becomes smaller), the amount of settlement information to be displayed is increased (or conversely decreased). You may do it. In this case, for example, for an identification code with a relatively small area ratio displayed in the distance, only the balance of the user account account or the like (one type of payment information) is displayed as the payment information, and the area ratio displayed in the vicinity is compared. As for the relatively large identification code, a mode in which the balance of the user account account and the latest settlement history (a plurality of types of settlement information) are displayed as the settlement information can be mentioned.

(Priority option for payment information)
A priority is set for each item of payment information, and the type of payment information to be displayed is changed according to the priority. In this case, the priority of each item can be selected and set by the user, for example. For example, among the payment information, the priority (display order) can be set in advance in the information about the business operator of the payment service, the balance of the user account account, the latest payment history, and the like.

(Priority option for payment service)
The priority is set for the payment service, and the payment information to be displayed is changed according to the priority. For example, the priority may be set in the order of the usage history or the frequency of use by the user, and all or part of the payment information may be displayed only for a predetermined number of payment services in the order of high priority. All or part of the payment information may be displayed only for the payment service having a history.

(Priority option for payment information item)
For each type of the acquired payment information, the payment information to be displayed may be changed according to the priority of the payment information item. For example, when the payment information is the balance of the user account account, the payment information including the payment information may be displayed only for the payment service associated with the user account account having the largest balance. Further, when the payment information indicates whether or not the campaign is held or executed, the payment information including the payment information may be displayed only for the payment service that holds or executes the campaign.

The information such as the priority and the usage history may be held on the user's terminal 120 side, and the process in the payment system may be performed by a server other than the related server of the payment service or a specific payment service. If it is premised that it goes through a related server, it may be held in that server. Further, although an example in which the payment information is displayed or hidden is described above, the display mode of the payment information may be determined according to various priorities. In this case, the display mode includes, but is not limited to, display colors, display fonts, display sizes, addition of animations and contents, and the like. Thereby, the visibility of the payment information by the user can be improved.

<<Third Example>>
The third example of the first embodiment is an example in which the function to be activated is changed based on the position information of the place where the identification code is acquired by imaging or the like.

<<Effects of Third Embodiment>>
According to the present embodiment, both when the user acts as the selling entity and puts products on the commercial transaction platform, and when the user acts as the purchasing entity and purchases products from the physical store or the commercial transaction platform, The function that can be supported can be activated from the user's terminal 120. As a result, it is possible to flexibly deal with the commercial transaction form that the user can take, and it is possible to further improve the convenience for the user.

<<Operation processing of the third embodiment>>
For example, if the identification code or the product image is acquired from a place other than home, the payment information is displayed on the assumption that the user is the purchaser and purchases the product from the physical store or the commercial transaction platform for purchasing. Processing is executed. In this case, the settlement using the identification code in the actual store is included in the above-described first embodiment. Further, when a product is imaged in a physical store, for example, the product information of the product sold on a plurality of commerce platforms for purchase (such as online stores) is acquired and the product information is displayed. Thus, the user can purchase the product at the cheapest online store or the like. On the other hand, when the identification code and the product image are acquired at home, it is premised that the process according to the second embodiment described later, that is, the user becomes the selling entity and sells the product etc. on the commercial transaction platform for sale. Then, the process of displaying the product information is executed. In addition, the respective functions may be arbitrarily switched by a swipe operation or the like on the screen display of the user's terminal 120. As described above, when the position information of the place where the specific information (identification code, product image, etc.) is obtained is outside the predetermined range (for example, other than home), the purchase process is executed by the user, and the specific information (identification code or When the position information of the place where the product image etc.) is acquired is within a predetermined range (for example, at home), the versatility of the commercial transaction and the convenience of the user are further enhanced by executing the selling process of the product by the user. be able to.

When specifying the acquisition location of the identification code or the product image, the user's terminal 120 may include a position information measuring unit. The position information measuring unit has a function of measuring position information of the current position of the terminal 120. The position information measuring unit measures the latitude and longitude of the terminal 120 as position information of the current position of the terminal 120 by using, for example and without limitation, a GPS (global positioning system). The position information measuring unit may measure the position information of the terminal 120 by any method as long as the position information of the terminal 120 can be measured. By way of example and not limitation, the position information measuring unit may be a short distance such as IMES (Indoor MEssaging System), Wi-Fi, RFID (Radio Frequency Identifier), NFC (Near Field Communication), BLE (Bluetooth Low Energy), and ultrasonic waves. The position information of the terminal 120 may be measured using wireless communication, a mobile communication system such as LTE or CDMA, or the like.

<Second Embodiment>
The second embodiment is an embodiment showing an application example to a commercial transaction service in which a user uses the terminal 120 to perform online processing via the network 130 to put a product etc. on a commercial transaction platform.

FIG. 10 is a schematic diagram schematically showing the outline of the configuration of the commercial transaction system according to the second embodiment. In the said structure, the commercial transaction system 710 is constructed|assembled by the several information processing apparatus 200, for example, the terminal 120 of the user who conducts commercial transactions at home, and the related servers 700e-700g for several types of commercial transaction services E-G. In addition to the server 110, the related servers 700e to 700g may be wholly or partially realized by the function of the external server 140. Further, the commercial transaction service includes not only a commercial transaction service having an electronic commerce platform for exhibition but also a commercial transaction service having an electronic commerce platform for purchase.

In this commercial transaction system 710, when a user makes a commercial transaction such as selling a product at home, the user uses the terminal and the product and an identification code given to the product (these may be collectively referred to simply as the “product”). The image is read by imaging using the imaging function of the input/output I/F 204 of 120 or the like. The user's terminal 120 specifies the read products Ga to Gc by identification code information or image recognition, character recognition, etc., and the user's exhibition is performed from any or all of the related servers 700e to 700g of the commercial transaction services E to G. The product information Sa to Sc regarding the product is acquired. That is, in the present embodiment, the product information to be acquired may be single or plural, in other words, the product information Sa to Sc associated with the user's exhibited product is acquired from one or more commercial transaction services E to G. .. Then, the terminal 120 of the user executes appropriate processing, and, if necessary, associates the necessary product information Sa to Sc with the products Ga to Gc, for example, as appropriate, and inputs/outputs of the terminal 120. It is displayed on the I/F 204. At this time, the products Ga to Gc are not uniformly displayed in the same state, but are dynamically displayed according to the states (size, position, degree of focus, etc.) in the captured image.

Then, when the user selects, on the terminal 120, any of the products Ga to Gc to put up for sale and the commercial transaction services E to G to put up for sale, it becomes possible to carry out cashless and walletless commercial transactions. When any one of the commercial transaction services E to G is selected, the user's terminal 120 transmits the exhibition request (exhibition request) together with the successful bid condition of the commercial transaction to the related server of the selected commercial transaction service and sets the predetermined condition. If it is satisfied, if it is approved by the related server, the product is put up for sale, and when the product is sold, the sales amount of the commercial transaction is credited to the user account account associated with the user.

It should be noted that the user account account can be used, for example and without limitation, in an electronic value such as a dedicated or general-purpose electronic money card or an electronic money account, an account for holding and managing sales proceeds in a specific commercial transaction, or a specific service. An account that holds and manages points (monetary equivalents), an account that holds and manages a cashing line (creditable amount) of credit cards, a financial account at a bank or securities company, or, for example, a deposit on a virtual currency exchange, operating funds , Financial accounts that hold and manage owned assets. Further, “payment” to an account may be expressed as adding a balance or value.

As described above, the “commodity Ga to Gc” corresponds to an example of “specific information” in the present disclosure, the “commodity information Sa to Sc” corresponds to an example of “product information” in the present disclosure, and an “exhibited commodity”. Corresponds to an example of the “object of commercial transaction” in the present disclosure.

<Effects of Second Embodiment>
According to the present embodiment, the user can read the products Ga to Gc using the terminal 120, dynamically display them, and acquire the product information Sa to Sc in the commercial transaction services E to G, It can be displayed together with the products Ga to Gc. As a result, the user can intuitively and easily recognize the products Ga to Gc and the product information Sa to Sc, so that a desired commercial transaction service can be efficiently selected from the plurality of commercial transaction services E to G. can do. Further, since it is not necessary to check the product information separately from the processing in the commercial transaction system, it is possible to reduce the labor of the user and reduce the resource usage of the information processing device. Furthermore, it is possible to display product information acquired from multiple commercial transaction services for a single product, and to display product information acquired from single or multiple commercial transaction services for multiple products. It is possible to secure an opportunity of a commercial transaction that is beneficial to the user, since the options of the user are expanded.

<Functional configuration of the second embodiment>
The functional configurations of the server 110 and the terminal 120 will be described with reference to FIGS. 11 and 12. It should be noted that each of the related servers 700e to 700g shown in FIG. 10 can be configured by the server 110 in FIGS. 11 and 12. FIG. 11 and FIG. 12 show an example of a block diagram showing a functional configuration of an information processing apparatus that constitutes the commercial transaction system according to the second embodiment, which is constructed by the information processing apparatus 200 (server 110 and each terminal 120). It is also a diagram showing an overall schematic configuration of a commercial transaction system 710. The functional units disclosed in FIGS. 11 and 12 are realized by cooperation of the processor 201, the memory 202, the storage 203, the input/output I/F 204, and the communication I/F 205 included in the information processing apparatus 200. That is, the processor 201 of the information processing apparatus 200 illustrated in FIG. 2 stores various programs (control programs, calculation programs, and the like relating to the settlement service, the commercial transaction service, and other services) stored in the storage 203 in the memory 202 (for example, RAM). Expand to. Then, the processor 201 interprets and executes various programs expanded in the memory 202 to control each hardware component, thereby realizing the functional configuration described below.

Each function realized by the information processing device 200 may be realized by the processor 201 such as a general-purpose CPU, or a part or all of the function may be realized by one or a plurality of dedicated processors 201. Good. Further, the functional configuration realized by the information processing apparatus 200 may of course be appropriately omitted, replaced, or added depending on the embodiment or the example.

(1) Functional Configuration of Server As shown in FIG. 11, the server 110 includes an input/output I/F 311, a communication I/F 312, a control unit 313, and a storage unit 314, and is related to a settlement service or a commercial transaction service. Acts as a server. The input/output I/F 311 corresponds to the input/output I/F 204 in FIG. 2, and the communication I/F 312 corresponds to the communication I/F 205 in FIG. Further, the control unit 313 includes a transaction management unit 415, an account management unit 316, a deposit/withdrawal management unit 317, and a display management unit 318. The function or processing of each functional unit may be realized by machine learning or AI (Artificial Intelligence) as far as possible.

In the server 110, the commercial transaction system program stored in the storage unit 314 is executed by the processor 201, and as described above, the commercial transaction system 710 for allowing a user to put up an item for sale in a commercial transaction service having an electronic commercial transaction platform. Be built. The storage unit 314 also stores information (user information X) about the user in association with each user and various other information Z.

Here, the user information X is, for example, without limitation, basic registration information such as a user ID, name, address, telephone number, and email address, user account account information (account number, cash deposit/saving, electronic money, operating fund). , Reserve funds, sales, points, balance of cashing slots of credit cards, deposit/withdrawal history (amount, location information, etc.), etc.

The various information Z includes, for example and without limitation, product information described below, transaction information in a commercial transaction by each user (settlement information including transaction content, transaction amount, transaction time, location information, environmental information, etc.). ), various setting parameters and calculation parameters necessary for the processing executed by the commercial transaction system 710, operation logs in the commercial transaction system 710, and the like. When the user account account is provided in the external server 140, for example, the server 110 acquires information about the user account account from the external server 140 via the network 130 and stores the information in the storage unit 314. You can

The transaction management unit 415 of the control unit 313 in the server 110 executes many processes relating to commercial transactions described below. That is, the transaction management unit 415 generates a user ID and the like, registers an exhibited product in the commercial transaction system 710, accepts a settlement information request by the user in the commercial transaction, transmits the product information to the user's terminal 120, and sells the commercial transaction by the user. It has functions of receiving a request for payment of the amount, instructing the user of procedures necessary for payment processing, executing payment (paying the sales amount to the user account account), and managing them.

In addition, the account management unit 316 manages user account accounts, association of the account information with each user, processing of notifying the user of these account information, processing relating to update of the balance of the user account account, and management thereof. Have the function to do.

Furthermore, the deposit/withdrawal management unit 317 has a function of receiving a deposit request for a sales amount to a user account account, processing relating to deposit, and the management thereof.

In addition, the display management unit 318 displays a user interface (UI) related to various processes by the commercial transaction system 710 via each input/output I/F 321 (output device) of the user's terminal 120 as necessary. It has a function to perform processing related to image data creation and its management. The UI includes, for example and without limitation, user information X, a read screen of the exhibited product, an operation state of the user on the screen of the terminal 120, and the like.

(2) Functional Configuration of Terminal As shown in FIG. 12, the user terminal 120 has an input/output I/F 321, a communication I/F 322, a control unit 323, and a storage unit 324. The input/output I/F 321 corresponds to the input/output I/F 204 in FIG. 2, and the communication I/F 322 corresponds to the communication I/F 205 in FIG. The control unit 323 also includes an information management unit 325, an auction processing unit 426, an instruction processing unit 327, and a display processing unit 328. The function or processing of each functional unit may be realized by machine learning or AI (Artificial Intelligence) as far as possible.

In the user's terminal 120, the commerce system application (program) stored in the storage unit 324 is executed by the processor 201, so that the user has an electronic commerce platform capable of accessing the commerce system 710 and selling products. Commercial transaction services are available.

In the terminal 120 of the user, the information management unit 325 of the control unit 323 manages input parameters by the user necessary for various processes executed in the commercial transaction system 710, controls various setting processes and various arithmetic processes in the terminal 120, It has a function of performing necessary processing for reading, transmitting an exhibition information request to a related server (each server 110) of the commercial transaction service, receiving product information, selecting product information, and associating products with product information. Further, the exhibition processing unit 426 has a function of performing processing related to exhibition in a commercial transaction by the user, which is transmitted to the server 110, and processing related to settlement such as a settlement request for sales amount.

Further, the instruction processing unit 327 performs processing regarding a product information request transmitted to the server 110, an auction request, and an instruction by a user other than the auction (for example, an instruction for various settings and changes, an instruction to withdraw funds from a user account account, etc.). Has the function of performing. Further, the display processing unit 328 outputs UI images for various settings and various processes of the commercial transaction system 710 executed on the user's terminal 120 side based on the image data transmitted from the server 110, and the input/output I/F 321 of the terminal 120. In addition to the function of displaying via the (output device), the function of performing processing related to creation of various image data performed by the display management unit 318 of the server 110 and management thereof in place of the server 110, if necessary. Have.

<Operation processing of the second embodiment>
The processing of the commercial transaction system 710 according to this embodiment will be described with reference to FIGS. 13 and 14. FIG. 13 is an example of a sequence diagram of processing of the server 110 according to the second embodiment (here, shown as the related servers 700e to 700g of the commercial transaction services E to G, as in FIG. 10) and the terminal 120. It is also a figure showing an example of a processing procedure in an information processing method concerning this indication. In addition, FIGS. 14A to 14D are conceptual diagrams schematically showing a state in which the process according to the second embodiment is being performed. Note that the processing procedure described below is merely an example, and each processing may be modified as much as possible within the scope of the technical idea of the present disclosure, and omission of steps, replacement, and addition may be appropriately performed. is there.

(Step SP21)
First, in step SP21, when the user activates the terminal 120 and executes the commercial transaction system application (program), a predetermined login screen is displayed via the input/output I/F 321 of the terminal 120. When the user inputs his/her login information from the input/output I/F 321 (input device), the instruction processing unit 327 transmits the information to the server 110, which is the operation server of the commercial transaction system 710, is permitted to log in, and manages the display. The image data of the initial screen generated by the unit 318 is transmitted to the terminal 120. The display processing unit 328 of the terminal 120 displays the initial screen via the input/output I/F 321 (output device) based on the image data.

The initial screen is, for example, without limitation, a specific screen prepared as default, various setting screens, payment service or e-commerce portal site screens, individual site screens thereof, various commercial transaction services and user account accounts. The information screen, the menu selection screen, the identification code reading/management screen, the screen displayed by the user at the time of the last login, the custom screen by the user, and a screen combining these.

(Step SP22)
After the user is ready to read the exhibited product on the terminal 120, the user reads the products Ga to Gc. Here, for example, the user switches the display screen of the terminal 120, displays the product reading screen via the input/output I/F 321, and images the products Ga to Gc are collectively read (as one image) ( 14A and 14B). Further, based on the read image shown in FIG. 14B, the information management unit 325 of the terminal 120 determines the products Ga to Gc, and the information management unit 325 and the display processing unit 328 cause the product Ga in the read image to be displayed. The products Ga to Gc are re-displayed in a mode (for example, an equivalent area ratio) corresponding to the states of Gc to Gc (see FIG. 14C; however, the re-display may be omitted). As described above, step SP22 corresponds to an example of “a step of acquiring the specific information” and “a step of dynamically displaying the specific information” in the present disclosure. The specific information to be acquired may be any one of the products Ga to Gc (that is, a single product).

(Steps SP23, SP71)
Next, in step SP23, the information management unit 325 of the terminal 120 transmits a product information request regarding the products Ga to Gc read by the user on the terminal 120 to the related servers 700e to 700g of the commercial transaction services E to G. Next, in step SP71, the related servers 700e to 700g that have received the product information request extract or select, for example, product information Sa to Sc corresponding to preset items, and transmit the product information Sa to Sc to the user's terminal 120. As described above, steps SP23 and SP71 correspond to an example of “a step of acquiring product information associated with specific information from one or more commercial transaction services” in the present disclosure.

Here, as the “product information”, for example, without limitation, in each of the commercial transaction services E to G, information about the business operator (business operator), the cumulative number of items to be displayed or the current total number of items to be displayed, the successful bid record of each product. (Average winning bid amount and range and distribution of winning bids, so-called successful bid quotes), information on associated user account accounts, usable points and balance of coupons, amount of granted points (may be point rate) or coupons Information, information on campaigns being conducted or being held, information on the number of times of use or frequency of use, or the rank of the user according to them, etc. is included.

(Step SP24)
Next, in step SP24, the information management unit 325 of the terminal 120 selects, for example, the product information Sa to Sc of a preset item from the acquired product information Sa to Sc as necessary, and manages the information. The unit 325 and the display processing unit 328 display the products Ga to Gc and the product information Sa to Sc together on the screen via the input/output I/F 321. As described above, step SP24 corresponds to an example of “a step of displaying at least one piece of specific information and product information associated with the information together” in the present disclosure.

Here, as a display mode of the product and the product information, for example, without limitation, the payment information is displayed near the product displayed on the screen (for example, within a predetermined distance) (see FIG. 7D), Display the product information in a state where it is superimposed on the product, display the product information in a balloon that starts from the product, and display the product information in a pop-up window or by voice when you specify the product by tapping, etc. Examples include reading aloud and displaying products and product information in association with each other in an appropriate manner. More specifically, for example, when a product and product information are displayed in the vicinity, the distance between the center of the product Ga and the center of the product information Sa is the center of the product Ga and the center of the other products Gb, Gc. It can be set to be shorter than the distance. In addition, when the product information is displayed as the virtually expanded visual information by the AR (Virtual Reality) technology as the display mode of the product information, the user can confirm the product information more intuitively and visually or Can be recognized. In this case, the visual effect may be different depending on the type of product information, which can improve the distinguishability between items of the product information.

(Steps SP25, SP26)
Then, in step SP25, the user selects at least one desired commercial transaction service from the commercial transaction services E to G while referring to the displayed product information Sa to Sc (here, when the commercial transaction service F is selected, The product information Sb corresponding to the commercial transaction service F is designated by tapping or the like (the product Gb may be tapped if there is one commercial transaction service). Thereby, in step SP26, the exhibition processing unit 426 of the terminal 120 transmits the exhibition request (exhibition request) to the related server 700f, and the commercial transaction function by the commercial transaction service F is activated.

(Steps SP72, SP73)
In step SP72, the transaction management unit 415 of the related server 700f that has accepted the selling request confirms that the commercial transaction platform for selling is available and the user satisfies the selling condition, and approves the selling request.

Then, in step SP73, the transaction management unit 415 and the display management unit 318 of the related server 700f generate image data of a screen for notifying the user of the completion of the sale of the product, and transmit the image data to the terminal 120 of the user. The display processing unit 328 of the terminal 120 displays the exhibition completion screen via the input/output I/F 321 (output device) based on the image data, and completes the exhibition processing in the commercial transaction.

<<First Example>>
In the first example of the second embodiment, as the product information to be displayed in association with the product, all the product information of various items that can be acquired are displayed as they are or are not uniformly displayed but are acquired. This is an example of performing an optional process for determining the type and display mode of the item of merchandise information to be displayed so as to comply with a predetermined condition.

<<Effects of First Example>>
According to the present embodiment, even if there is a large amount of merchandise information that can be acquired, it is possible to narrow down to merchandise information that is useful to the user and then acquire and display it, so that the user can more efficiently select the desired commercial transaction service. It becomes possible. As a result, it is possible to further reduce the user's trouble and complexity in the selling process, and further improve the convenience of the user. Moreover, since the display amount can be reduced by selecting the items to be acquired in advance, it is possible to further reduce the resource usage amount and the data communication amount of the information processing apparatus.

<<Operation processing of the first embodiment>>
FIG. 15 shows an example of a sequence diagram of a process between the server 110 according to the present embodiment (here, shown as related servers 700e to 700g of the commercial transaction services E to G) and the terminal 120, and also relates to the present disclosure. It is also a figure which shows an example of the processing procedure in an information processing method. As shown in FIG. 15, in the present embodiment, after the product is read and displayed in step SP22, a predetermined option process is performed in step SP90, and thereafter, necessary product information is stored in the related server of the commercial transaction service. Except for transmitting the request, the same processing as the processing procedure in the second embodiment shown in FIG. 13 is performed. Hereinafter, various specific examples of the option processing will be described.

(Area judgment option)
According to the area (area ratio may be used) of the product captured and read by the user's terminal 120 on the display screen (see FIG. 14B or FIG. 14C), for example, according to the following conditions, The type of product information to be acquired and displayed can be screened.

Specifically, there is an example in which product information is acquired and displayed only for products having a predetermined area or more in an imaged state. In the example shown in FIG. 14(B) or FIG. 14(C), since the user has a large intention to put up the product Gb, it is presumed that the user imaged the product Gb. Then, when the product Gb occupies a predetermined area or more and the products Ga and Gc are less than the predetermined area, only the product information of the product Gb is acquired and displayed from one or more commercial transaction services to confirm the user's confirmation. It can reduce the trouble.

Further, there is an example in which product information is acquired and displayed only for the product that is displayed largest on the display screen. In the example shown in FIG. 14(B) or FIG. 14(C), since the display area of the product Gb is the largest, only the product information of the product Gb is acquired and displayed from one or more commercial transaction services to confirm the user. The labor of can be reduced. At this time, the type of product information to be acquired and displayed may be a single item or multiple items.

Further, there is an example in which the item of the product information to be acquired and displayed is determined according to the area of the display screen regardless of whether the acquired product image is single or plural. For example, when the area is less than a predetermined value, only the information about the number of products to be displayed in each commercial transaction service is acquired and displayed, and when the area is more than the predetermined value, the successful bid record (successful bid market price) of each product is displayed. Only information may be acquired and displayed. In addition, whether the acquired product image is single or plural, for example, as the area ratio to the screen display becomes larger (or conversely becomes smaller), the amount of product information to be displayed is larger (or conversely smaller). You may do so. In this case, for example, for products with a relatively small area ratio displayed in the distance, only the number of products listed in each commercial transaction service (one type of product information) is displayed as product information, and the area ratio displayed in the vicinity is displayed. For relatively large commodities, a mode in which the number of items to be displayed and the successful bid record (a plurality of types of merchandise information) are displayed as various product information can be mentioned.

(Priority option of product information)
A priority is set for each item of product information, and the type of product information to be acquired is determined according to the priority. In this case, the priority of each item can be selected and set by the user, for example. For example, in the product information, the priority (display order) can be set in advance in the information about the business operator of the commercial transaction service, the number of exhibited items, the successful bid record, and the like.

(Priority option for commerce services)
The priority is set for the commercial transaction service, and the product information to be acquired is determined according to the priority. For example, the priority may be set in the order of high usage history or frequency of use by the user, and all or part of the product information may be acquired and displayed only for a predetermined number of commercial transaction services in the order of high priority. All or part of the payment information may be acquired and displayed only for the commercial transaction service that has a usage history by the user.

The information such as the priority and the use history may be held on the side of the user's terminal 120, and the process in the commercial transaction system may be performed by a server other than the related server of the commercial transaction service or a specific commercial transaction service. If it is premised that it goes through a related server, it may be held in that server. Further, although the example in which the product information is displayed or hidden is described above, the display mode of the product information may be determined according to various priorities. In this case, examples of the display mode include, but are not limited to, display colors, display fonts, display sizes, addition of animations and contents, and change of virtually expanded visual information. Thereby, the visibility of the product information by the user can be improved.

<<Second Example>>
In the second example of the second embodiment, as the product information to be displayed in association with the product, the acquired product information of various items is not displayed as it is or all of them, but the type and display of the product information to be displayed. This is an embodiment of performing optional processing for changing the mode so as to meet a predetermined condition.

<<Effects of Second Embodiment>>
According to the present embodiment, even when there is a lot of acquired product information, it is possible to narrow down and display the product information that is useful to the user, so that the user can select the desired commercial transaction service more efficiently. As a result, it is possible to further reduce the user's trouble and complexity in the selling process, and further improve the convenience of the user. In addition, since the display amount can be reduced by selecting display items, it is possible to further reduce the resource usage amount of the information processing device.

<<Operation processing of the second embodiment>>
FIG. 16 shows an example of a sequence diagram of a process between the server 110 according to the present embodiment (here, shown as related servers 700e to 700g of the commercial transaction services E to G) and the terminal 120, and also relates to the present disclosure. It is also a figure which shows an example of the processing procedure in an information processing method. As shown in FIG. 16, in the present embodiment, in step SP71, after obtaining the product information Sa to Sc from the related servers 700e to 700g of the commercial transaction services E to G, a predetermined option process is performed in step SP91. Thus, the same processing as the processing procedure in the second embodiment shown in FIG. 13 is executed except that the displayed payment information is changed to necessary payment information. Hereinafter, various specific examples of the option processing will be described.

(Area judgment option)
According to the area (area ratio may be used) of the product captured and read by the user's terminal 120 on the display screen (see FIG. 14B or FIG. 14C), for example, according to the following conditions, It is possible to screen the type of product information to be displayed among the acquired product information.

Specifically, there is an example in which product information is displayed only for products that have a predetermined area or more in the imaged state. In the example shown in FIG. 14(B) or FIG. 14(C), since the user has a large intention to put up the product Gb, it is presumed that the user imaged the product Gb. Then, when the product Gb occupies a predetermined area or more and the products Ga and Gc are less than the predetermined area, only the product information of the product Gb is displayed, so that the user's time and effort for confirmation can be reduced.

Further, there is an example in which the product information is displayed only for the product that is displayed largest on the display screen. In the example shown in FIG. 14(B) or FIG. 14(C), since the display area of the product Gb is the largest, it is possible to reduce the user's time and effort of confirmation by displaying only the product Gb payment information. At this time, the type of product information to be acquired and displayed may be a single item or multiple items.

Furthermore, an example in which the item of the product information to be displayed is changed depending on the area of the display screen, regardless of whether the acquired product image is single or plural. For example, if the area is less than the specified value, only the information about the number of products listed in each commercial transaction service is displayed, and if the area is greater than the specified value, only the information about the successful bid record (successful bid price) of each product is displayed. It may be displayed. In addition, whether the acquired product image is single or plural, for example, as the area ratio to the screen display becomes larger (or conversely becomes smaller), the amount of product information to be displayed is larger (or conversely smaller). You may do so. In this case, for example, for products with a relatively small area ratio displayed in the distance, only the number of products listed in each commercial transaction service (one type of product information) is displayed as product information, and the area ratio displayed in the vicinity is displayed. For relatively large commodities, a mode in which the number of items to be displayed and the successful bid record (a plurality of types of merchandise information) are displayed as various product information can be mentioned.

(Priority option of product information)
A priority is set for each item of product information, and the type of product information to be displayed is changed according to the priority. In this case, the priority of each item can be selected and set by the user, for example. For example, in the product information, the priority (display order) can be set in advance in the information about the business operator of the commercial transaction service, the number of exhibited items, the successful bid record, and the like.

(Priority option for commerce services)
The priority is set for the commercial transaction service, and the product information to be displayed is changed according to the priority. For example, priorities may be set in the order of usage history or frequency of use by the user, and all or part of product information may be displayed only for a predetermined number of commercial transaction services in order of increasing priority. You may make it display all or a part of product information only about the commercial transaction service with a history.

(Priority option of product information item)
For each type of acquired product information, the displayed product information may be changed according to the priority of the product information item. For example, when the product information is a successful bid record (successful bid market price), only the commercial transaction service having the highest actual value may display the product information including the product information. When the product information indicates whether or not the campaign is held or executed, the product information including the product information may be displayed only for the commercial transaction service that holds or executes the campaign.

The information such as the priority and the use history may be held on the side of the user's terminal 120, and the process in the commercial transaction system may be performed by a server other than the related server of the commercial transaction service or a specific commercial transaction service. If it is premised that it goes through a related server, it may be held in that server. Further, although the example in which the product information is displayed or hidden is described above, the display mode of the product information may be determined according to various priorities. In this case, the display mode includes, but is not limited to, display colors, display fonts, display sizes, addition of animations and contents, and the like. Thereby, the visibility of the product information by the user can be improved.

<<Third Example>>
The third example of the second embodiment is an example in which the function to be activated is changed based on the position information of the place where the product is acquired by imaging or the like.

<<Effects of Third Embodiment>>
According to the present embodiment, both when the user acts as the selling entity and puts products on the commercial transaction platform, and when the user acts as the purchasing entity and purchases products from the physical store or the commercial transaction platform, Since the function that can be supported can be activated from the user's terminal 120, it is possible to flexibly support the commercial transaction form that the user can take, and further improve the convenience of the user.

<<Operation processing of the third embodiment>>
For example, when the identification code and the product image are acquired at home, it is premised that the process according to the second embodiment described above is performed, that is, the user is the selling entity and sells the product on the commercial transaction platform for sale. Then, the process of displaying the product information is executed. On the other hand, if the identification code or the product image is acquired at a place other than home, the payment information is displayed on the assumption that the user is the purchaser and purchases the product from the physical store or the commercial transaction platform for purchase. Processing is executed. In this case, the settlement using the identification code in the actual store is included in the above-described first embodiment. Further, when a product is imaged in a physical store, for example, the product information of the product sold on a plurality of commerce platforms for purchase (such as online stores) is acquired and the product information is displayed. Thus, the user can purchase the product at the cheapest online store or the like. In addition, the respective functions may be arbitrarily switched by a swipe operation or the like on the screen display of the user's terminal 120. As described above, when the position information of the place where the specific information (identification code, product image, etc.) is obtained is outside the predetermined range (for example, other than home), the purchase process is executed by the user, and the specific information (identification code or When the position information of the place where the product image etc.) is acquired is within a predetermined range (for example, at home), the versatility of the commercial transaction and the convenience of the user are further enhanced by executing the selling process of the product by the user. be able to.

When specifying the acquisition location of the identification code or the product image, the user's terminal 120 may include a position information measuring unit. The position information measuring unit has a function of measuring position information of the current position of the terminal 120. The position information measuring unit measures the latitude and longitude of the terminal 120 as position information of the current position of the terminal 120 by using, for example and without limitation, a GPS (global positioning system). The position information measuring unit may measure the position information of the terminal 120 by any method as long as the position information of the terminal 120 can be measured. By way of example and not limitation, the position information measuring unit may be a short distance such as IMES (Indoor MEssaging System), Wi-Fi, RFID (Radio Frequency Identifier), NFC (Near Field Communication), BLE (Bluetooth Low Energy), and ultrasonic waves. The position information of the terminal 120 may be measured using wireless communication, a mobile communication system such as LTE or CDMA, or the like.

<Third Embodiment>
In the third embodiment, a user uses a terminal 120 such as a smartphone to perform online processing via a network 130, and electronic payment is performed by a user at a store to pay for a commercial transaction or receive a privilege related to the commercial transaction using an identification code. It is an embodiment showing an application example to. Further, it is an application example in which the additional information associated with the action using the identification code is displayed as virtually expanded visual information by using the AR (Virtual Reality) technology.

This embodiment can be implemented by way of example and not limitation, using the configuration of the payment system according to the first embodiment shown in FIG. The payment identification code prepared at the store may be singular or plural (that is, the payment service to be used may be singular or plural). In addition to the payment identification code, or The identification code may be replaced with an identification code for giving a privilege to the user. As described above, the identification code for payment or the identification code for granting a privilege to the user corresponds to an example of “specific information associated with a store” in the present disclosure.

In the present embodiment, after the payment process (accounting) of the product purchased by the user using the payment system 610 shown in FIG. 3 or the like is performed using the identification code, the user's terminal 120 is provided with the privilege associated with the payment process. Display additional information. Examples of this additional information include, but are not limited to, lottery tickets that the user can draw, coupons that the user can use, points that the user can use, and the like. As described above, the additional information corresponds to an example of “additional information associated with specific information” in the present disclosure.

<Effects of Third Embodiment>
As described above, when accounting for products or the like in a store (for example, a convenience store or a restaurant), the user may be given a privilege such as a lottery or a coupon using a paper medium. Some users often find it troublesome to physically draw lots or receive paper coupons after the end of accounting, which may impair the convenience of payment processing using the identification code.

On the other hand, according to the present embodiment, after the settlement by the identification code using the terminal 120, the additional information such as the lottery or the coupon can be displayed on the terminal, so that the user can draw the lottery, the coupon, or the points. You can immediately receive benefits such as grants. That is, the electronic payment, which has been conventionally separated, and the opportunity to give a privilege such as a lottery or a coupon can be integrated in the user's terminal 120. Even if the privilege cannot be received on the spot, once the additional information is received and stored in the terminal 120, the privilege can be enjoyed at the user's convenient timing within the expiration date. can do. As described above, since it is possible to give a privilege to the user without impairing the advantages of the ease and speed of payment by the identification code, it is possible to increase the motivation for the payment by the identification code and add value. .. Further, since additional information such as lottery and coupon provision is displayed as virtually expanded visual information, the user's visibility and interest can be enhanced.

<Functional configuration of the third embodiment>
(1) Functional Configuration of Server The functional configuration of the server 110 in the third embodiment is substantially the same as the functional configuration of the server 110 in the first embodiment, and thus detailed description thereof will be omitted here.

(2) Functional configuration of terminal Since the functional configuration of the terminal 120 in the third embodiment is substantially the same as the functional configuration of the terminal 120 in the first embodiment, detailed description thereof will be omitted here.

<Operation processing of the third embodiment>
The processing of the payment system 610 according to the present embodiment will be described with reference to FIG. FIG. 17 shows an example of a sequence diagram of processing of the server 110 and the terminal 120 (the terminal 120A of the user and the terminal 120B of the store) according to the third embodiment, and an example of a processing procedure in the information processing method according to the present disclosure. Is also a diagram showing. Note that the processing procedure described below is merely an example, and each processing may be modified as much as possible within the scope of the technical idea of the present disclosure, and omission of steps, replacement, and addition may be appropriately performed. is there.

(Steps SB1, SA1)
First, when a user makes a commercial transaction such as purchasing a product in a store, in step SB1, the store person in charge activates the terminal 120B of the store to execute the payment system application (program), and the input/output I/O of the terminal 120B. A predetermined login screen is displayed via F321. When the person in charge of the store inputs his/her login information via the input/output I/F 321 (input device), the instruction processing unit 327 transmits the information to the server 110 and the login is permitted, and the display management unit 318 generates the information. The image data of the initial screen is transmitted to the terminal 120B. The display processing unit 328 of the terminal 120B displays the initial screen via the input/output I/F 321 (output device) based on the image data.

In step SA1, when the user activates the terminal 120A and executes the payment system application (program), a predetermined login screen is displayed via the input/output I/F 321 of the terminal 120A. When the user inputs his/her login information from the input/output I/F 321 (input device), the instruction processing unit 327 sends the information to the server 110 to permit login, and the image of the initial screen generated by the display management unit 318. The data is transmitted to the terminal 120B. The display processing unit 328 of the terminal 120B displays the initial screen via the input/output I/F 321 (output device) based on the image data.

(Steps SB2, SA2-SA4)
After the user is ready to read the identification code on the terminal 120A, in step SB3, the store clerk switches the display screen of the terminal 120B of the store and the identification code associated with the store via the input/output I/F 321. Is displayed and presented to the user. In step SA2, the user switches the display screen of the terminal 120A, displays the identification code reading screen via the input/output I/F 321, and reads the identification code by, for example, capturing the image. Next, in step SA3, the user switches the display screen of the terminal 120A, displays the payment amount input screen via the input/output I/F 321, and taps the numeric keys or inputs a voice to confirm the value of the commercial transaction. Specify the amount. Next, in step SA4, the order processing unit 326 of the terminal 120A transmits the settlement request (settlement request) together with the designated amount to the server 110. In FIG. 17, as step SA3, instead of the user inputting the payment amount, the clerk may input the payment amount to the terminal 120B of the store and present it to the user together with the identification code. Thereby, it becomes possible to acquire the amount information when the terminal 120A of the user reads the identification code. As described above, step SA2 corresponds to an example of “a step of acquiring specific information associated with a store” in the present disclosure. The specific information to be acquired may be a single identification code and a plurality of identification codes, as in the first embodiment.

(Step S101)
In step S101, the payment management unit 315 and the account management unit 316 of the server 110 that received the payment request confirm the balance of the user account account, and if the balance is equal to or more than the designated amount, the payment management unit 315 and the server 110 of the server 110. The deposit/withdrawal management unit 317 approves the settlement request. Further, in step S102, the designated amount of money is further withdrawn from the user account account and deposited into the store account account associated with the identification code.

(Step S102)
Next, in step S102, the account management unit 316 and the display management unit 318 of the server 110 notify the user and the store of the completion of deposit and withdrawal and the updated balance of the user account account and the store account account, respectively. Image data of the screen is generated and transmitted to the terminals 120A and 120B. The display processing unit 328 of the terminals 120A and 120B displays the settlement completion screen and the balance notification screen through the input/output I/F 321 (output device) based on the image data, and completes the settlement process.

(Steps S103, S104)
Next, in step S103, the payment management unit 315 of the server 110 confirms whether the payment process by the user satisfies a predetermined condition, and if the predetermined condition is satisfied, in step S104 a privilege (eg, a lottery) to be given to the user. , Coupons, points, etc.) to the user's terminal 120A. The confirmation of the predetermined condition in step S103 may be performed by the terminal 120B of the store instead of the server 110. In this case, the terminal 120B of the store transmits the information regarding the privilege to the terminal 120A to the server 110. The instruction to do may be sent.

Here, the predetermined condition may be, for example and without limitation, the following or a combination of the followings.
・The settlement amount (commercial transaction amount) is greater than or equal to a predetermined amount.
・Purchased a specific product.
・I visited the store during the specified period.
・I visited the store during a predetermined period and purchased a product (commercial transaction).
・Visit a predetermined number of times within a predetermined period.
・Purchasing (commercial transaction) a product including a specific product.
・By way of a specific location (for example, payment was made at a specified cash register in a specified time zone)

(Steps SA5 and SA6)
Then, in step SA5, the information management unit 325 and the display processing unit 328 of the terminal 120A of the user who has received the privilege information generate image data for displaying the privilege in an AR (virtual reality) based on the privilege information, The contents of the privilege are displayed as virtually expanded visual information via the input/output I/F 321. For example, in the case where the privilege is a lottery, the lottery in various lottery forms can be displayed in an AR manner to enhance entertainment and entertainment. The user carries out the content of the displayed privilege (for example, draws a lot, selects a coupon, receives points, etc.), and acquires the privilege as a result of the execution. Then, in step SA6, the information management unit 325 of the terminal 120A of the user transmits the result of the privilege to the server 110. The information on the privilege acquired by the user is stored in the storage unit 314 of the server 110 and/or the storage unit 324 of the terminal 120A in association with the user, and the user can use (exercise) the privilege at an appropriate timing. You can As described above, step SA5 corresponds to an example of “a step of displaying the additional information associated with the specific information as the virtually expanded visual information” in the present disclosure.

<<First Example>>
The first example of the third embodiment is an example in which the user is given the opportunity to acquire the privilege set by the store regardless of whether or not a commercial transaction is performed, and not the settlement identification code used for the settlement process. It is an example in which an identification code for awarding is used.

<<Effects of First Example>>
According to the present embodiment, the opportunity to acquire the privilege that can be used in the store is increased on the occasion different from the time when the store purchases the product. Therefore, the user can promote the purchase of the product in the store. By devising the arrangement setting of the identification code for granting the privilege, it is possible to increase the frequency of use of the settlement process using the identification code.

<<Operation processing of the first embodiment>>
FIG. 18 shows an example of a sequence diagram of processing of the server 110 and the terminal 120 (the terminal 120A of the user and the terminal 120B of the store) according to the present embodiment, and an example of a processing procedure in the information processing method according to the present disclosure. Is also a diagram showing.

(Steps SB11, SB12)
First, in step SB11, the person in charge of the store activates the terminal 120B of the store at an arbitrary timing to execute the payment system application (program), and displays a predetermined login screen via the input/output I/F 321 of the terminal 120B. Then, the user logs in and displays the initial screen via the input/output I/F 321 (output device). Then, in step SB12, the store person in charge switches the display screen of the terminal 120B of the store and displays the setting screen regarding the privilege to be given to the user via the input/output I/F 321. On this setting screen, an identification code for granting a privilege is generated, and the information management unit 325 of the terminal 120B associates the identification code with the store, and places where the identification code can be given (for example, on the premises of the store or in the store). Information regarding a specific place) and contents of a privilege (for example, a lottery that the user can draw, a coupon that the user can use, points that the user can use, etc.) are transmitted to the server 110. In this case, the spatial range in which the user can obtain the privilege-giving identification code can be arbitrarily set to a desired location.

(Steps SA11, SA12)
On the other hand, in step SA11, the user who visits the store activates the terminal 120A at any timing to execute the payment system application (program), and displays a predetermined login screen via the input/output I/F 321 of the terminal 120A. Log in to display the initial screen via the input/output I/F 321 (output device). Then, in step SA12, the instruction processing unit 327 of the terminal 120A uses information regarding the location of the store as a non-limiting example of a location measurement unit that uses a specific identification code installed in the store, GPS information, or the like. It transmits to the server 110 using positioning data.

(Steps S111 and S112)
In step S111, the payment management unit 315 of the server 110, which has received the store information from the terminal 120A, searches the store corresponding to the store information as to whether or not the privilege to be given to the user is set. When the privilege is set, in step S112, information on the privilege (for example, lottery, coupon, points, etc.) to be given to the user is transmitted to the user's terminal 120A.

(Steps SA5 and SA6)
Then, in step SA5, the information management unit 325 and the display processing unit 328 of the terminal 120A of the user who has received the privilege information generate image data for displaying the privilege in an AR (virtual reality) based on the privilege information, The contents of the privilege are displayed as virtually expanded visual information via the input/output I/F 321. For example, in the case where the privilege is a lottery, the lottery in various lottery forms can be displayed in an AR manner to enhance entertainment and entertainment. The user carries out the content of the displayed privilege (for example, draws a lot, selects a coupon, receives points, etc.), and acquires the privilege as a result of the execution. Then, in step SA6, the information management unit 325 of the terminal 120A of the user transmits the result of the privilege to the server 110. The information on the privilege acquired by the user is stored in the storage unit 314 of the server 110 and/or the storage unit 324 of the terminal 120A in association with the user, and the user can use (exercise) the privilege at an appropriate timing. You can

When the identification code for awarding is set at a plurality of positions in the store, the identification code including the position information is transmitted to the user's terminal 120, and the user uses the GPS or the like to install the identification code. It may be possible to search for the identification code that is generated. In this case, by installing an identification code for acquiring a privilege at an arbitrary place in the store and using the position information, it becomes easier to intentionally set the flow line of the customer in the store. It becomes easy to guide the user to an arbitrary place.

<<Second Example>>
In a second example of the third embodiment, visual information in which a target product of a privilege (such as a winning product of a lottery or a target product of a coupon) given to a user is virtually expanded by an AR display on the user's terminal 120B. It is an example displayed as.

<<Effects of Second Embodiment>>
According to the present embodiment, the target product of the privilege acquired by the user can be easily confirmed on the terminal 120B according to the real image, whereby the user can separately investigate or search the information of the target product. It becomes easy to quickly determine whether or not the product is useful for the user without any trouble.

<<Operation processing of the second embodiment>>
In this embodiment, in step SB12 of FIG. 18, when setting the privilege to be given to the user at the terminal 120B of the store, the information on the target product of the privilege is also transmitted to the server 110, and the server 110 side Image data for AR display of the target product is created. Then, in step S112, the information related to the privilege (for example, lottery, coupons, points, etc.) to be given to the user is transmitted to the terminal 120A of the user including the image data for AR display of the target product of the privilege, and the user receives the privilege. When the target product is acquired, the AR display of the target product can be performed via the input/output I/F 321 (output device) based on the received image data.

<<Third Example>>
A third example of the third embodiment is a target product when a target product of a privilege granted to a user (a winning product of a lottery, a target product of a coupon, etc.) is a product sold in a store or in a store. In this embodiment, the position of is displayed on the user's terminal 120B.

<<Effects of Third Embodiment>>
According to the present embodiment, the position in the store of the target product of the privilege acquired by the user can be easily recognized on the terminal 120B, so that the user wants to receive the target product in the store or the target product. If you want to check, it will be easier to find the target product yourself.

<<Operation processing of the third embodiment>>
In this embodiment, in step SB12 of FIG. 18, when setting a privilege to be given to the user at the terminal 120B of the store, position information (for example, based on an arbitrary reference point in the store) in the store of the product targeted for the privilege is set. The three-dimensional coordinate position in the coordinate system) is also transmitted to the server 110. Then, in step S112, the information about the privilege (for example, lottery, coupons, points, etc.) to be given to the user is transmitted to the user's terminal 120A, including the position information of the target product of the privilege. When the user obtains the target product of the privilege, the relative positional relationship between the terminal 120B and the target product is calculated based on the relative position of the user with respect to the reference point of the terminal 120B and the position information of the target product, Based on the calculation result, an object or the like indicating the position of the target product can be displayed on the terminal 120B.

<<Fourth Embodiment>>
A fourth example of the third embodiment is an example in which privilege information is given to a user before payment is made in a store.

<<Effect of Fourth Embodiment>>
According to the present embodiment, additional information such as a lottery or a coupon is displayed on the terminal before the settlement by the identification code using the terminal 120 of the user, so that the user has a privilege such as a lottery or a coupon or point grant. Can be received prior to payment, and as a result, the privilege acquired in advance can be applied to the payment amount at the time of payment.

<<Operation processing of the fourth embodiment>>
In the present embodiment, when the result of the privilege acquired by the user in the process shown in FIG. 18 is a coupon or points, a part or all of those coupons or points are used according to the user's instruction as the usage pattern. , Executes the process applied to the payment amount at the time of settlement.

Although the above-described embodiments and examples as examples of the present disclosure have been described above in detail, the above description merely illustrates one example of the present disclosure in all respects, and various types without departing from the scope of the present disclosure. It goes without saying that the above embodiments and examples may be partially replaced, and it is also possible to appropriately combine and configure, and further, for example, Modifications such as those referred to in the embodiment and the examples can be made.

(Appendix 1-1)
In the information processing device,
Dynamically displaying specific information,
Acquiring payment information associated with the specific information,
An information processing program for executing the step of displaying both the specific information and the payment information associated with the specific information.

(Appendix 1-2)
The information processing program according to appendix 1-1, wherein the specific information is an identification code for performing payment using a payment service associated with the specific information.

(Appendix 1-3)
The information processing program according to appendix 1-1 or 1-2, wherein the specific information is an identification code for making a payment using a payment service associated with two or more pieces of the specific information.

(Appendix 1-4)
4. The information processing program according to any one of appendices 1-1 to 1-3, wherein the payment information is displayed as virtually expanded visual information.

(Appendix 1-5)
In the information processing device,
The information processing program according to any one of appendices 1-1 to 1-4, which further executes a step of selecting a settlement service used in the commercial transaction in response to a user operation.

(Appendix 1-6)
In the information processing device,
The information processing according to any one of appendices 1-1 to 1-5, further causing a step of determining or changing a display mode of at least one of the specific information and the payment information according to an area of each of the specific information. program.

(Appendix 1-7)
The information processing program according to appendix 1-6, wherein, among the specific information, only the specific information having the area equal to or larger than a predetermined value displays the payment information.

(Appendix 1-8)
The information processing program according to appendix 1-6, wherein among the specific information, only the specific information having the largest area is displayed, or the settlement information is displayed only for the specific information having the largest area.

(Appendix 1-9)
7. The information processing program according to appendix 1-6, which determines or changes the type of the payment information to be displayed according to the area of each of the specific information.

(Appendix 1-10)
In the information processing device,
The information processing program according to any one of appendices 1-1 to 1-9, which further executes a step of determining or changing a display mode of the payment information according to the priority of the payment information.

(Appendix 1-11)
In the information processing device,
The method according to any one of appendices 1-1 to 1-10, further causing a step of determining or changing a display mode of the specific information or at least one of the specific information and the payment information according to the priority of the payment service. Information processing program.

(Appendix 1-12)
In the information processing device,
12. The information processing program according to any one of supplements 1-1 to 1-11, which further executes a step of determining or changing a display mode of the payment information according to a priority of an item included in the payment information.

(Appendix 1-13)
In the information processing device,
When the position information of the place where the specific information is acquired is outside the predetermined range,
Dynamically displaying the specific information,
Acquiring payment information associated with the specific information,
13. The information processing program according to any one of appendices 1-1 to 1-12, which causes the step of displaying both the specific information and the payment information associated with the specific information.

(Appendix 1-14)
Dynamically displaying specific information,
Acquiring payment information associated with the specific information,
An information processing method comprising: displaying the specific information together with payment information associated with the specific information.

(Appendix 1-15)
A specific information display section that dynamically displays specific information,
A payment information acquisition unit that acquires payment information associated with the specific information,
An information processing device comprising: the specific information and a payment information display unit that displays both the payment information associated with the specific information.

(Appendix 2-1)
In the information processing device,
The step of obtaining specific information,
Dynamically displaying the specific information,
Acquiring product information associated with the specific information from one or more commercial transaction services,
A step of displaying at least one of the specific information and product information associated with the information,
An information processing program for executing.

(Appendix 2-2)
The information processing program according to appendix 2-1, wherein the identification information is information for identifying a product subject to the commercial transaction.

(Appendix 2-3)
The information processing program according to Appendix 2-1 or 1-2, wherein the product information is displayed as virtually expanded visual information.

(Appendix 2-4)
In the information processing device,
The information processing program according to any one of appendices 2-1 to 2-3, which further executes a step of selecting at least one of the commercial transaction services in response to a user operation.

(Appendix 2-5)
In the information processing device,
The method according to any one of supplementary notes 2-1 to 2-4, which further executes a step of determining or changing a display mode of at least one of the specific information and the product information according to an area of each of the specific information. Information processing program.

(Appendix 2-6)
The information processing program according to appendix 2-5, wherein, among the specific information, only the specific information having the area equal to or larger than a predetermined value displays the product information.

(Appendix 2-7)
The information processing program according to appendix 2-5, of the specific information, only the specific information having the largest area is displayed, or the product information is displayed only for the specific information having the largest area.

(Appendix 2-8)
The information processing program according to appendix 2-5, which determines or changes the type of the product information to be displayed according to the area of each of the specific information.

(Appendix 2-9)
In the information processing device,
9. The information processing program according to any one of appendices 2-1 to 2-8, which further executes a step of determining or changing a display mode of the product information according to a priority of the product information.

(Appendix 2-10)
In the information processing device,
10. The information processing program according to any one of appendices 2-1 to 2-9, which further executes a step of determining or changing a display mode of at least one of the specific information and the product information according to a priority of the commercial transaction service. ..

(Appendix 2-11)
In the information processing device,
11. The information processing program according to any one of supplementary notes 2-1 to 2-10, which further executes a step of determining or changing a display mode of the product information according to a priority of an item included in the product information.

(Appendix 2-12)
In the information processing device,
When the position information of the place where the specific information is acquired is within a predetermined range,
Acquiring the specific information,
Dynamically displaying the specific information,
Acquiring product information associated with the specific information from one or more commercial transaction services,
The information processing program according to any one of appendices 2-1 to 2-11, which causes a step of displaying at least one piece of the specific information in association with the product information.

(Appendix 2-13)
The step of obtaining specific information,
Dynamically displaying the specific information,
Acquiring product information associated with the specific information from one or more commercial transaction services,
And displaying the product information in association with at least one of the specific information.

(Appendix 2-14)
A specific information acquisition unit for acquiring specific information,
A specific information display unit that dynamically displays the specific information,
A product information acquisition unit that acquires product information associated with the specific information from one or more commercial transaction services;
An information processing apparatus comprising: a product information display unit that displays the product information in association with at least one of the specific information.

(Appendix 3-1)
In the information processing device,
A step of obtaining specific information associated with the store,
And a step of displaying additional information associated with the specific information as virtually expanded visual information.

(Appendix 3-2)
The information processing program according to appendix 3-1, wherein the specific information is either an identification code for payment in a commercial transaction or an identification code for granting a privilege to a user.

(Appendix 3-3)
The information processing program according to attachment 3-1 or 3-2, wherein the additional information is information regarding a privilege given to the user.

(Appendix 3-4)
The information processing program according to Appendix 3-3, wherein the privilege includes one of a lottery that the user can draw, a coupon that the user can use, and a point that the user can use.

(Appendix 3-5)
In the information processing device,
The information processing program according to supplementary note 3-3 or 3-4, which further causes the step of displaying the privilege target product as virtually expanded visual information.

(Appendix 3-6)
In the information processing device,
The information processing program according to Supplementary Note 3-5, which further causes the step of displaying the position of the target product of the privilege in the store.

(Appendix 3-7)
In the information processing device,
The information processing program according to any one of appendices 3-1 to 3-4, further causing a step of setting a spatial range in which the user can acquire the specific information in the store.

(Appendix 3-8)
In the information processing device,
Further executing the step of performing settlement in the commercial transaction,
The information processing program according to any one of appendices 3-2 to 3-7, wherein when the specific information is an identification code for payment in the commercial transaction, the additional information is displayed before the payment is performed.

(Appendix 3-9)
In the information processing device,
Further executing the step of performing settlement in the commercial transaction,
The information processing program according to any one of appendices 3-2 to 3-7, wherein when the specific information is an identification code for payment in the commercial transaction, the additional information is displayed after the payment is made.

(Appendix 3-10)
The information processing program according to any one of appendices 3-1 to 3-9, which displays the additional information when a predetermined condition is satisfied.

(Appendix 3-11)
The information processing program according to Appendix 3-10, wherein the predetermined condition includes that the amount of the commercial transaction is equal to or larger than a predetermined amount.

(Appendix 3-12)
The information processing program according to Appendix 3-10, wherein the predetermined condition includes that the commercial transaction is performed within a predetermined period.

(Appendix 3-13)
The information processing program according to Appendix 3-10, wherein the predetermined condition includes that the commercial transaction includes a specific product.

(Appendix 3-14)
A step of obtaining specific information associated with the store,
And a step of displaying the additional information associated with the specific information as virtually expanded visual information.

(Appendix 3-12)
A specific information acquisition unit for acquiring specific information associated with the store,
An information processing apparatus, comprising: an additional information display unit that displays additional information associated with the specific information as virtually expanded visual information.

DESCRIPTION OF SYMBOLS 1... Communication system, 110... Server, 110A, 110B... Server, 120... Terminal, 120A-120C... Terminal, 130... Network, 140... External server, 200... Information processing apparatus, 201... Processor, 202... Memory, 203... Storage, 204... Input/output interface (input/output I/F), 205... Communication interface (communication I/F), 313... Control unit, 314... Storage unit, 315... Payment management unit, 316... Account management unit, 317... Deposit/withdrawal management unit, 318... Display management unit, 323... Control unit, 324... Storage unit, 325... Information management unit, 326... Order processing unit, 327... Instruction processing unit, 328... Display processing unit, 426... Exhibition processing unit , 600a to 600c... Related server, 610... Settlement system, 700e to 700g... Related server, 710... Commerce transaction system, A to C... Settlement service, CPU... Central processing unit, E to G... Commerce transaction service, Ga to Gc... Commodity , Ka to Kc... Payment information, QRa to QRc... Identification code, Sa to Sc... Product information, X... User information, Y... Store information, Z... Various information.

Claims (15)

In the information processing device,
Dynamically displaying specific information,
Acquiring payment information associated with the specific information,
An information processing program for executing the step of displaying both the specific information and the payment information associated with the specific information. The information processing program according to claim 1, wherein the specific information is an identification code for performing payment using a payment service associated with the specific information. The information processing program according to claim 1 or 2, wherein the specific information is two or more identification codes for performing payment using a payment service associated with the specific information. The information processing program according to claim 1, wherein the payment information is displayed as virtually expanded visual information. In the information processing device,
The information processing program according to claim 1, further comprising a step of selecting a payment service to be used in response to a user operation. In the information processing device,
The information processing program according to any one of claims 1 to 5, further comprising executing a step of determining or changing a display mode of at least one of the specific information and the payment information according to an area of each of the specific information. . The information processing program according to claim 6, wherein among the specific information, only the specific information having an area of a predetermined value or more displays the payment information. The information processing program according to claim 6, wherein among the specific information, only the specific information having the largest area is displayed, or the settlement information is displayed only for the specific information having the largest area. The information processing program according to claim 6, wherein the type of the payment information to be displayed is determined or changed according to the area of each of the specific information. In the information processing device,
The information processing program according to claim 1, further comprising a step of determining or changing a display mode of the payment information according to a priority of the payment information. In the information processing device,
The information processing program according to any one of claims 1 to 10, further comprising a step of determining or changing a display mode of at least one of the specific information and the payment information according to a priority of the payment service. In the information processing device,
The information processing program according to any one of claims 1 to 11, further comprising executing a step of determining or changing a display mode of the payment information according to a priority of an item included in the payment information. In the information processing device,
When the position information of the place where the specific information is acquired is outside the predetermined range,
Dynamically displaying the specific information,
Acquiring payment information associated with the specific information,
The information processing program according to any one of claims 1 to 12, wherein a step of displaying both the specific information and the payment information associated with the specific information is executed. Dynamically displaying specific information,
Acquiring payment information associated with the specific information,
An information processing method comprising: displaying the specific information together with payment information associated with the specific information. A specific information display section that dynamically displays specific information,
A payment information acquisition unit that acquires payment information associated with the specific information,
An information processing device comprising: the specific information and a payment information display unit that displays both the payment information associated with the specific information.