JP2024021746A - Information processing device, information processing method, and information processing program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To improve a utilization rate of a sales promotion measure with a free gift.

SOLUTION: A information processing device comprises a settlement processing unit, a selecting unit, and a transmitting unit. When acquiring a settlement request transmitted from a terminal device used by a service user of an electronic settlement service, the settlement processing unit executes settlement processing in response to the acquired settlement request. When the settlement processing is normally completed, the selecting unit executes selection processing for selecting a free gift candidate to be provided to the service user from among a plurality of predetermined free gifts provided in advance from a business operator introducing the electronic settlement service. The transmitting unit transmits a content for free gift provision for providing the service user with the free gift candidate selected by the selecting unit to the terminal device together with information for notifying the service user of the fact that the settlement processing is completed.

SELECTED DRAWING: Figure 5

COPYRIGHT: (C)2024,JPO&INPIT

Description

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

Conventionally, for the purpose of promoting the use of electronic payment services, there is a known technology that returns a predetermined profit to users when they make a payment using an electronic payment service at a member store of the electronic payment service. . Further, in relation to this technique, as one of the promotional measures with prizes, for example, a technique is known in which a coupon is distributed for returning a predetermined profit to users who meet predetermined conditions.

Patent No. 5416404

However, in the conventional technology, there is a need to improve the usage rate of promotional measures with prizes such as coupons. With conventional technology, whether or not to use a coupon is left up to the user's will. For example, simply distributing coupons to users who meet predetermined conditions does not allow the use of promotional measures with prizes such as coupons. cannot be expected to have any effect on increasing the rate.

The present application has been made in view of the above, and aims to provide an information processing device, an information processing method, and an information processing program that can improve the utilization rate of promotional measures with prizes.

The information processing device according to the present application includes a payment processing section, a selection section, and a transmission section. When the payment processing unit obtains a payment request transmitted from a terminal device used by a service user of the electronic payment service, the payment processing unit executes payment processing in accordance with the obtained payment request. When the payment process is successfully completed, the selection unit executes a selection process to select a prize candidate to be provided to the service user from among a plurality of predetermined prizes provided in advance by the business that introduces the electronic payment service. do. The transmitting unit transmits prize offering content for providing the service user with the prize candidates selected by the selection unit, along with information for notifying the service user that the payment process is completed, to the terminal device.

According to one aspect of the embodiment, it is possible to improve the usage rate of sales promotion measures that include prizes.

FIG. 1 is a diagram showing an overview of information processing according to an embodiment. FIG. 2 is a diagram illustrating an example of information displayed on the terminal device according to the embodiment. FIG. 3 is a diagram illustrating an example of a coupon provision image according to the usage screen according to the embodiment. FIG. 4 is a diagram illustrating an example of a coupon provision image according to the usage screen according to the embodiment. FIG. 5 is a diagram illustrating a configuration example of a payment server according to an embodiment. FIG. 6 is a diagram illustrating an example of user information stored in the user information storage unit according to the embodiment. FIG. 7 is a diagram illustrating an example of information regarding coupons stored in the coupon information storage unit according to the embodiment. FIG. 8 is a diagram illustrating an example of coupon-related information stored in the coupon-related information storage unit according to the embodiment. FIG. 9 is a flowchart illustrating an example of an information processing procedure executed by the payment server according to the embodiment. FIG. 10 is a diagram illustrating an overview of a learned model generation method according to the first modification. FIG. 11 is a diagram illustrating a configuration example of a payment server according to a first modification. FIG. 12 is a flowchart illustrating an example of a learning processing procedure executed by the payment server according to the first modification. FIG. 13 is a diagram showing an overview of information processing according to the second modification. FIG. 14 is a diagram illustrating a configuration example of a payment server according to a second modification. FIG. 15 is a hardware configuration diagram showing an example of a computer that implements the functions of the payment server according to the embodiment.

DESCRIPTION OF THE PREFERRED EMBODIMENTS An information processing apparatus, an information processing method, and an information processing program according to the present application (hereinafter referred to as "embodiments") will be described in detail below with reference to the drawings. Note that the information processing apparatus, information processing method, and information processing program according to the present application are not limited to this embodiment. Further, in each of the embodiments below, the same parts are given the same reference numerals, and redundant explanations will be omitted.

[1. Embodiment]
Information processing according to the embodiment will be described below. FIG. 1 shows an overview of information processing according to the embodiment. Note that, below, an example will be described in which information processing according to the embodiment is realized by the payment server 100, which is an example of the information processing device according to the embodiment.

(1-1. System configuration)
As shown in FIG. 1, the information processing system SYS-A according to the embodiment includes a terminal device 10 and a payment server 100. The terminal device 10 and the payment server 100 are connected to be able to communicate with each other by wire or wirelessly via a network N (for example, see FIG. 3). The network N is, for example, a WAN (Wide Area Network) such as the Internet. Note that the information processing system SYS-A shown in FIG. 1 may include multiple terminal devices 10 and multiple payment servers 100.

The terminal device 10 shown in FIG. 1 is an information processing terminal used by a user U. The terminal device 10 shown in FIG. 1 is realized by, for example, a smartphone, a tablet terminal, a notebook PC (Personal Computer), a desktop PC, a mobile phone, a PDA (Personal Digital Assistant), or the like. Note that in FIG. 1, a smartphone is illustrated as the terminal device 10.

The terminal device 10 also includes a display device such as a liquid crystal display (LCD) or an organic electro-luminescent display (EL display), and displays various information sent from the payment server 100 using a web browser or an application. indicate. Further, the display device included in the terminal device 10 may be a touch screen display. In this case, the terminal device 10 receives various operations from the user U on content such as images displayed on the screen of the touch screen display using a finger or a stylus, and performs processing according to the various operations. Execute.

The terminal device 10 also supports wireless communication networks such as LTE (Long Term Evolution), 4G (4th Generation), and 5G (5th Generation), Bluetooth (registered trademark), and wireless LAN (Local Area It has a communication unit for connecting to a network N via short-range wireless communication such as a network N. Thereby, the user U can operate the terminal device 10 to access the payment server 100 and use the electronic payment service provided by the payment server 100.

Note that when the terminal device 10 receives control information for realizing predetermined information processing from the payment server 100, the terminal device 10 realizes the information processing according to the control information. Here, the control information may be a script language such as JavaScript (registered trademark), a style sheet language such as CSS (Cascading Style Sheets), a programming language such as Java (registered trademark), or a markup such as HTML (HyperText Markup Language). Described by language etc. Note that the predetermined application itself distributed from the payment server 100 may be regarded as the control information.

In the following description, the terminal device 10 shown in FIG. 1 is used by a user U who is a service user of an electronic payment service using a predetermined code. In this case, an application program for a service user (hereinafter referred to as a "user application" as appropriate) for realizing various processes related to electronic payment services in cooperation with the payment server 100 is installed in the terminal device 10 in advance. You can leave it there. The terminal device 10 can also access a predetermined website from a web browser and implement various processes related to electronic payment services.

The payment server 100 shown in FIG. 1 is an information processing device that executes information processing according to the embodiment, and is typically a server device, but may also be realized by a mainframe, a workstation, or the like. When the payment server 100 is implemented by a server device, it may be implemented by a single server, or by a cloud system in which a plurality of server devices and a plurality of storage devices operate cooperatively.

Further, the payment server 100 may function as a distribution device that distributes control information to the terminal device 10 used by the user U. Here, the control information is written in, for example, a script language such as JavaScript (registered trademark) or a style sheet language such as CSS (Cascading Style Sheets). Note that the application itself distributed from the payment server 100 may be regarded as control information.

Further, in response to an HTTP (Hypertext Transfer Protocol) request sent from the terminal device 10, the payment server 100 transmits an HTML (HyperText Markup Language) file, image data, or image data requested in the HTTP request. The information processing device may function as an information processing device that transmits content including a web page, control information for controlling display on a user application, etc. to the terminal device 10. Note that the content including the control information in this case can be realized by, for example, content for RIA (Rich Internet Application) such as Flash (registered trademark) or Silverlight (registered trademark), and operates as an image display program.

In addition, the administrator of the payment server 100 provides a platform that provides an electronic payment service (a service that provides a predetermined transaction method for controlling the exchange of electronic money by code payment) performed using a predetermined code through the payment server 100. operate the service; The payment server 100 executes information processing related to electronic payment services in cooperation with, for example, a user application running on the terminal device 10.

Further, the payment server 100 can provide a user interface for a business operator to receive information regarding coupons from a business operator that operates a member store of an electronic payment service. The business operator uses the information processing terminal that he/she uses to operate the user interface for the business operator and set information (text data, image data, etc.) regarding the coupon. The payment server 100 registers information regarding coupons submitted by each business operator in a database, and manages the information for each member store.

(1-2. About code payment using terminal device 10)
Here, an example of code payment (electronic payment) using the terminal device 10 will be described. In the following explanation, a two-dimensional code (QR code (registered trademark)) placed at store X, which indicates store identification information for identifying store An example in which a user U who receives a transaction object such as a service) makes a payment using the terminal device 10 will be described. Note that the example of code payment described below is applicable even when any service user uses any terminal device 10 to make payment at any store. Further, the two-dimensional code indicating store identification information may be not only a QR code but also a bar code, a predetermined mark, a number, etc. Further, the two-dimensional code is not limited to an example in which it is physically constituted by a printed matter printed on a medium such as paper, but may be constituted by image information displayed on an arbitrary terminal. In addition, the store identification information includes a member store ID that is individually assigned to identify the brand of store X as a member store of the electronic payment service, and a store ID that is assigned to identify store X itself. You can leave it there.

For example, when the user U makes a payment for purchasing or using transaction objects such as various products and services at the store X, the user U starts a user application installed in the terminal device 10 in advance. The user U then photographs the two-dimensional code installed at the store X via the user application. In such a case, the terminal device 10 displays a screen for inputting the price of the transaction object, and accepts input of the payment amount from the user U or the clerk of the store X. Then, the terminal device 10 stores the user identification information that identifies the user U, the store identification information (or the information indicated by the store identification information, that is, the information indicating the store X (for example, the store ID)), and the payment amount. The transaction information including the transaction information is sent to the payment server 100.

When the payment server 100 receives the transaction information from the terminal device 10, the payment server 100 transfers the information from the account of the user U indicated by the user identification information (the wallet linked to the user account) to the account of the store X indicated by the store identification information (the wallet linked to the user account). transfer electronic money equivalent to the payment amount to the wallet). At this time, the payment server 100 may deduct a predetermined fee to be charged to the store X from the electronic money equivalent to the payment amount, and then transfer the electronic money to the store X's account. The payment server 100 then sends a notification to the terminal device 10 that the transaction has been completed. In such a case, the terminal device 10 notifies the user U that the transaction using electronic money has been completed by outputting a screen or a predetermined sound indicating that the transaction has been completed. Alternatively, the payment server 100 withdraws electronic money equivalent to the payment amount from the account of user U indicated by the user identification information, manages it as sales information of store X, and cashes out the amount equivalent to the sales at a predetermined timing. may be transferred to a bank account held by store X. In this case, the payment server 100 may notify the user U that the electronic money transaction has been completed at the timing when the electronic money corresponding to the payment amount is withdrawn from the user UX's account.

Note that payment using the terminal device 10 is not limited to the above-described processing. For example, the payment using the terminal device 10 may be made using a terminal device installed at the store X (hereinafter referred to as a "store terminal"). Specifically, first, the terminal device 10 displays code information indicating user identification information for identifying the user U on the screen. In such a case, the store terminal reads the user identification information from the code information displayed on the terminal device 10, and reads the read user identification information (or the information indicated by the user identification information, that is, the information indicating the user UX). transaction information including information (for example, user ID), a payment amount, and information identifying store X is transmitted to payment server 100.

Upon receiving the transaction information from the store terminal, the payment server 100 transfers electronic money equivalent to the payment amount from the account of the user U indicated by the user identification information to the account of the store X. The payment server 100 then sends a notification to the store terminal or terminal device 10 that the transaction has been completed. The store terminal or terminal device 10 notifies the user U that the transaction using electronic money has been completed by outputting a screen or a predetermined sound indicating that the transaction has been completed. In addition, the payment server 100 withdraws electronic money equivalent to the payment amount from the account of the user U indicated by the user identification information, manages it as sales information of store X, and cashes out the amount equivalent to the sales at a predetermined timing. may be transferred to a bank account held by store X. In this case, the payment server 100 may notify the clerk or the user U that the electronic money transaction has been completed at the timing when the electronic money corresponding to the payment amount is withdrawn from the user U's account.

In addition, the payment using the terminal device 10 is not limited to the process of transferring electronic money from the account to which the user U has previously charged electronic money to the store X's account. It may be a payment made in advance. In such a case, for example, the terminal device 10 transfers the amount of electronic money indicated by the payment amount to the account of store X, and requests the operating company of user U's credit card for the amount indicated by the payment amount. You may.

Moreover, the payment using the terminal device 10 is not only a process of transferring electronic money from the account of user U to the account of store X, but also a process of transferring electronic money from the account of user U to the account of another service user. It may also be a payment that transfers money (that is, a remittance between service users). For example, the terminal device 10 used by the user U who is the remittance source uses user identification information (for example, information displayed on the terminal device 10 used by the service user who is the remittance destination) that identifies the service user who is the remittance destination user. The CPU 11 reads the user identification information (user identification information), accepts the input of the remittance amount from the user U, and transmits information indicating the read identification information, the remittance amount, and user identification information that identifies the user U to the payment server 100. In such a case, the payment server 100 transfers the amount of electronic money indicated by the remittance amount from the account of the user U to the account of the remittance service user, and the terminal device 10 or the remittance service user The terminal device 10 used may be notified that the remittance has been completed by outputting a screen or a predetermined sound indicating that the remittance has been completed.

Note that remittance using the terminal device 10 is not limited to the above-described processing. For example, when remittance using the terminal device 10, the telephone number of the service user who is the user to whom the remittance is to be made, and information indicating the service user who is the user to whom the remittance is to be made (e.g., user ID) are input into the terminal device 10. It may be done by doing. To give a specific example, the terminal device 10 receives input from the user U of the telephone number or user ID of the service user who is the remittance destination and the remittance amount, and inputs the input telephone number or user ID (remittance amount). (destination identification information), the remittance amount, and user identification information that identifies user U (remittance source identification information) to the payment server 100. Then, the payment server 100 transfers the amount of electronic money indicated by the remittance amount from the account of the user U to the account of the service user linked to the transmitted telephone number or user ID.

Here, the telephone number and user ID of the service user who is the remittance destination user may be registered in advance in the user application in association with information regarding the user. In this case, the terminal device 10 receives from the user UX the designation of the user (remittance recipient) registered in the user application and the input of the remittance amount to the user, and the terminal device 10 receives the telephone number associated with the designated user. Alternatively, the user ID, the remittance amount, and user identification information for identifying the user UX are transmitted to the payment server 100.

Further, for example, remittance using the terminal device 10 may be performed by providing link information for receiving the remittance amount to a service user who is a remittance destination user. To give a specific example, the terminal device 10 receives an input of the remittance amount from the user U, generates link information for receiving the remittance amount, and sends an e-mail including the link information. By posting posted information on an SNS (Social Networking Service), link information is provided to the terminal device 10 used by the service user who is the user of the remittance destination. Then, when the service user who is the remittance destination user selects the link information and performs a receiving operation, the payment server 100 transfers the information from the user U's account to the service user's account, which is the remittance destination user. Transfer electronic money in the amount indicated by the remittance amount. As described above, the payment server 100 can perform information processing regarding payments using electronic money and electronic money remittances on the same platform that provides electronic payment services to service users.

Note that the payment methods that implement various processes corresponding to the electronic payment services mentioned above are those used to provide consideration (settlement of debts) for the purchase of products or the provision of services, and those that are owned by multiple users. It is not limited to transfers between accounts. For example, the above-mentioned payment means may be any service that controls the transmission and reception of electronic money between the accounts of arbitrary owners linked to the electronic money owner, such as users and stores. In other words, the payment means and the like according to the embodiments include various controls for realizing electronic money exchanges (not only various inter-account transfer controls via electronic money, but also controls regarding exchanges between electronic money accounts and bank accounts). , various debt processing such as processing associated with splits and bonus payments, and various controls related to the exchange of assets including electronic money) may be provided in any form as long as it is a transaction method or service. . Further, the various controls realized by such transaction means and transaction services may include both payment-related control and remittance-related control, or only one of them may be included. That is, the term "transaction" is a concept that includes not only "settlement" related to electronic money, but also "remittance" of electronic money and various other types of processing. That is, the payment server 100 may be an information processing device that implements a transaction means that controls the exchange of electronic money between arbitrary owners.

(1-3. Overview of embodiment)
(1-3-1. Processing for providing content for providing prizes)
Next, with reference to FIG. 1, a process for providing content for providing prizes according to the embodiment will be described. The payment server 100 according to the embodiment aims to improve the usage rate of sales promotion measures with prizes in electronic payment services by providing contents for providing prizes, and supports businesses that introduce electronic payment services.

In the following, as a prize provided to a service user of an electronic payment service (for example, user U) by the content for giving a prize, a payment-linked type that is provided to the service user in conjunction with the payment processing of the price for the transaction object. Payment Linked Coupon (PLC) is assumed. In addition, in the following, as content for providing prizes according to the embodiment, in response to the operation of the user U, like a scratch card where the printed surface covered by the scratch sticker becomes visible when the scratch sticker (scratch ink) is scratched off with a coin etc. The content is assumed to be a scratch card type that can implement predetermined image rendering processing. Note that, as described below, the payment server 100 according to the embodiment provides a coupon through prize providing content as a promotional measure with a prize.

Furthermore, in the following explanation, a business that introduces an electronic payment service may be equated with a member store of the electronic payment service operated by such business.

As shown in FIG. 1, the terminal device 10 transmits a transaction target payment request to the payment server 100 in response to the user U's operation on the user application (step S1).

Upon receiving the payment request from the terminal device 10, the payment server 100 executes payment processing according to the payment request (step S2). Furthermore, when the payment processing is successfully completed, the payment server 100 randomly determines whether or not to provide a coupon to the user U who made the payment request (step S3). For example, the payment server 100 executes a random lottery process to determine whether to provide a coupon.

Further, for example, when the payment server 100 wins a random lottery and decides to provide a coupon to the user U, the payment server 100 executes a selection process to select coupon candidates to be provided to the user U (step S4).

The selection process by the payment server 100 will be described below. First, the payment server 100 selects a coupon category (an example of a "prize category") according to selection conditions set in advance by the administrator OP of the payment server 100. For example, if it is assumed that a category table containing four or more coupon categories is prepared in advance and the selection condition: "Number of categories: 3, random" is set, the payment server 100 refers to the category table. Then, three coupon categories are randomly selected so that they do not overlap with each other. Note that, at this time, when the number of coupon categories included in the category table is three, the payment server 100 selects all the coupon categories included in the category table as they are under the above-mentioned selection conditions.

Next, the payment server 100 selects coupon candidates to be provided to the user U for each selected coupon category according to predetermined conditions set in advance by the administrator OP of the payment server 100. For example, the payment server 100 refers to coupon information submitted in advance from each member store. Then, the payment server 100 selects coupon candidates from among the plurality of coupons submitted from each member store for each selected coupon category.

Furthermore, the payment server 100 may select coupon candidates that can be used at other member stores that are not in a competitive relationship with the member store that was a party to the transaction through payment processing. For example, the payment server 100 refers to pre-registered information indicating the competitive relationship of each member store, and selects a coupon submitted by a member store that is not in a competitive relationship with the member store that was a party to the transaction through payment processing. Select coupon candidates from among them.

Further, the payment server 100 may select coupon candidates based on attribute information indicating the attributes of the user U who is the sender of the payment request. For example, the payment server 100 refers to the coupon acquisition history of other service users whose attributes match that of the user U based on attribute information of the user U registered in advance, and determines whether the acquisition rate of other service users is relatively high. Coupon candidates are selected from among the coupons with a high value.

Further, the payment server 100 may select coupon candidates based on the behavior history of the user U who is the sender of the payment request. For example, the payment server 100 selects coupons that can be used at member stores within a predetermined distance from the user's location at the time of the payment request, based on the location information of the user U at the time of receiving the payment request from the user U. , select coupon candidates. Further, for example, the payment server 100 may select coupons that can be used at member stores that handle transactions related to the user U's browsing history, based on the browsing history of the user U from the time when the payment request is received from the user U. Select coupon candidates from among them.

Further, the payment server 100 may select coupon candidates based on the coupon acquisition history of the user U who is the sender of the payment request. For example, the payment server 100 identifies coupon categories with a relatively high acquisition rate by the user U based on the coupon acquisition history of the user U, and selects coupon candidates for each identified coupon category.

After selecting the coupon candidates, the payment server 100 sends the content for providing a prize to the terminal device 10 to present the coupon candidates to the user U, along with payment completion information to notify the user U that the payment process has been completed. (Step S5).

When the terminal device 10 receives the payment completion information and the premium offering content from the payment server 100, it executes a content display process (step S6).

(1-3-2. Display example by content display processing)
An example of information displayed on the terminal device 10 by the content display process according to the embodiment will be described below. FIG. 2 shows an example of information displayed on the terminal device 10 according to the embodiment.

As shown in FIG. 2, the terminal device 10 displays a payment completion image G1 that notifies the user U that the payment has been completed, based on the payment completion information received from the payment server 100 (step S11). Furthermore, the terminal device 10 displays the content image G2-1 based on the premium offering content received from the payment server 100 (step S12). FIG. 2 shows an example in which the content image G2-1 is displayed as an overlay on the payment completion image G1. In this way, by displaying the premium offering content on the payment completion screen that the user U is likely to focus on, it is possible to improve user U's awareness of the premium offering content.

The content image G2-1 shown in FIG. 2 is provided with category icons OB1-1, OB1-2, and OB1-3 (an example of "first image information") that are objects corresponding to coupon categories. FIG. 2 shows a category icon OB1-1 corresponding to the coupon category "Apparel", a category icon OB1-2 corresponding to the coupon category "Food", and a category icon OB1- corresponding to the coupon category "Miscellaneous goods". 3 is shown. Note that the shapes of the category icons OB1-1, OB1-2, and OB1-3 shown in FIG. 2 are merely examples, and are not limited to circular shapes, but may be any shape.

Although not shown in FIG. 2, the terminal device 10 displays the category icons OB1-1, OB1-2, and OB1-3 as if the images of the category icons OB1-1, OB1-2, and OB1-3 were scratch stickers (scratch ink). , OB1-2, OB1-3, a virtual image rendering process (an example of a "predetermined process") for acquiring a coupon can be executed in response to a predetermined operation by the user U on the OB1-2, OB1-3.

For example, when the terminal device 10 detects a predetermined operation by the user U such as scraping (scraping) the surface of the image of the category icon OB1-1, the terminal device 10 cooperates with the user application while the predetermined operation is detected. , it is possible to perform an image rendering process that gradually reduces the area of the image of the category icon OB1-1 and gradually reveals the image hidden behind the image of the category icon OB1-1 in the reduced area. . The terminal device 10 can acquire the first control information for executing this image rendering process from the payment server 100 together with the prize providing content. Then, the user application running on the terminal device 10 uses the control information acquired from the payment server 100 to execute the above-described image rendering process.

Furthermore, when the payment server 100 transmits the prize providing content including the plurality of category icons OB1-1, OB1-2, OB1-3 (hereinafter referred to as "category icon OB1" as appropriate) to the terminal device 10, , first control information for executing image rendering processing according to a predetermined operation by the service user may be transmitted to the terminal device 10 for each category icon OB1. In this case, the first control information controls the behavior of the prize providing content, for example, so as to selectively accept a predetermined operation of the service user on the plurality of category icons OB1 displayed on the terminal device 10. The terminal device 10 is provided with a processing function to do so. Specifically, when the user U performs a predetermined operation on the category icon OB1-1 based on the first control information, the terminal device 10 performs a predetermined operation on the category icons OB1-2 and OB1-3. The content for providing prizes is controlled so that the operation is not accepted.

Further, this image rendering process is not limited to being executed by the user application running on the terminal device 10, but may be executed by cooperation between the user application running on the terminal device 10 and the payment server 100.

For example, when the user U's predetermined operation on the category icon OB1-1 continues for a certain period of time, the terminal device 10 displays the image as if it were hidden behind the image of the category icon OB1-1. , the content image G2-2 showing information on a coupon corresponding to the coupon category "Apparel" selected by the user U is displayed (step S13). Note that the content image G2-2 may be included in the content for providing a prize, or may be acquired by the terminal device 10 from the payment server 100 at the timing when a predetermined operation by the user U is detected.

In this way, the payment server 100 allows the user U to select a desired coupon category, and then, in response to the user U's operation, the payment server 100 uses a game fif that subsequently discloses the content of the coupon corresponding to the selected coupon category. Through the application, it is possible to arouse the interest of the user U and improve the coupon usage rate.

For example, in the content image G2-2 shown in FIG. 2, text information M-1 indicating the content of the coupon that the user U can acquire is displayed. In addition, the content image G2-2 shown in FIG. An evaluation button OB2-2 (an example of "second image information") for accepting negative evaluations and a coupon use button OB2-3 (an example of "third image information") for allowing user U to obtain a coupon. example).

The evaluation buttons OB2-1 and OB2-2 (hereinafter referred to as "evaluation button OB2" as appropriate) have a second button for executing evaluation sending processing in response to a predetermined operation by the user U on the evaluation button OB2. Control information is associated. This second control information provides the terminal device 10 with a processing function for transmitting the evaluation information associated with the evaluation button OB2 to the payment server 100. Based on this second control information, the terminal device 10 executes an evaluation transmission process of transmitting evaluation information indicating the content of the evaluation associated with the evaluation button OB2 to the payment server 100. Specifically, when the terminal device 10 detects the user U's operation on the evaluation button OB2-1, the terminal device 10 generates identification information for identifying the user U and identifying the coupon displayed in the content image G2-2. and information indicating the evaluation content (for example, "Good") associated with the evaluation button OB2-1 are transmitted to the payment server 100. Similarly, when the terminal device 10 detects an operation on the evaluation button OB2-2 by the user U, the terminal device 10 generates identification information for identifying the user U and information for identifying the coupon displayed in the content image G2-2. and information indicating the evaluation content (for example, “No Good”) associated with the evaluation button OB2-2 to the payment server 100.

Further, the coupon use button OB2-3 is associated with third control information for executing a website display process in response to a predetermined operation by the user U on the coupon use button OB2-3. This third control information includes a processing function for transmitting information regarding the coupon acquired by the service user to the terminal device 10, and a processing function for causing the terminal device 10 to transmit information regarding the coupon acquired by the service user, and a screen of the website of the member store related to the coupon acquired by the service user. A processing function for display is provided to the terminal device 10. Based on this third control information, the terminal device 10 performs a process of transmitting information regarding the coupon acquired by the service user to the payment server 100, and transmits information about the coupon acquired by the service user to the website of the member store related to the coupon acquired by the service user. A process for displaying a site screen on the terminal device 10 is executed. Specifically, when the terminal device 10 detects the user U's operation on the coupon use button OB2-3, the terminal device 10 identifies identification information for identifying the user U and the coupon displayed in the content image G2-2. information is sent to the payment server 100 as coupon acquisition information. Further, the terminal device 10, for example, connects the EC (Electronic Commerce) site (for example, Obtain information for displaying a mall-type EC site. The terminal device 10 then displays the top page image G3 of the member store's EC site based on the acquired information (step S14). User U can use the acquired coupon to shop online at the member store's EC site.

(1-3-3. Coupon provision image)
Below, an example of how coupons are provided depending on the usage situation of the electronic payment service will be explained. FIGS. 3 and 4 show examples of coupon provision images according to the usage screen according to the embodiment.

For example, assume that a service user of an electronic payment service performs a series of actions such as "shopping → checkout → lunch → checkout → shopping" as illustrated in FIG. Under such an assumption, when a service user pays for shopping using an electronic payment service, the payment server 100 may receive, for example, a 10% discount that can be used at a restaurant near the service user's current location. Offer coupons. Furthermore, if the service user uses the acquired 10% OFF coupon to have lunch at a restaurant and pays for the lunch using an electronic payment service, the payment server 100 may, for example, We offer a 10% OFF coupon that can be used at nearby supermarkets (retail stores, etc.). The service user uses the acquired coupon to shop at a supermarket and returns home.

Further, for example, assume that the service user performs a series of actions such as "entering an apparel shop → dinner → checkout → online shopping → checkout" as illustrated in FIG. 4 . Under such an assumption, when the service user pays for dinner using the electronic payment service, the payment server 100 provides a 10% OFF coupon that can be used at apparel shop XX Town, for example. That is, the payment server 100 can provide a coupon according to the service user's behavior history that the service user stopped by an apparel shop before dinner. At this time, the payment server 100 may determine whether the apparel shop that the service user entered is a member store based on the service user's behavior history. If the apparel shop that the service user entered is a member store, the payment server 100 may provide the service user with a coupon that can be used on the EC site of the member store. Furthermore, if the service user browses the EC site of an apparel shop before dinner, the payment server 100 can also provide coupons that can be used at the apparel shop based on the service user's browsing history. In this case as well, if the e-commerce site of the apparel shop that the service user was viewing is the e-commerce site of a member store, coupons that can be used on the e-commerce site of the relevant member store may be provided to the service user. .

Further, when the service user uses the acquired 10% OFF coupon to shop online and pays for the online shopping using the electronic payment service, the payment server 100 provides food recommended as a midnight snack. Provide service users with delivery coupons that can be used at stores. That is, the payment server 100 can provide coupons according to the behavior history of the service user who has finished dinner.

[2. Payment server configuration]
Next, the configuration of the payment server 100 according to the embodiment will be described. FIG. 5 shows a configuration example of the payment server 100 according to the embodiment. As shown in FIG. 5, payment server 100 includes a communication section 110, a storage section 120, and a control section 130.

(About communication department 110)
The communication unit 110 is realized by, for example, a NIC (Network Interface Card). The communication unit 110 is connected to the network N by wire or wirelessly, and transmits and receives information to and from the terminal device 10 and the like.

(About storage unit 120)
The storage unit 120 is realized by, for example, a semiconductor memory element such as a RAM (Random Access Memory) or a flash memory, or a storage device such as a hard disk or an optical disk. As shown in FIG. 5, the storage unit 120 includes a user information storage unit 121, a coupon information storage unit 122, and a coupon-related information storage unit 123. Note that the storage unit 120 is not limited to the example shown in FIG. 5, and may include a storage unit that stores other information in addition to the storage unit described above.

(About user information storage unit 121)
The user information storage unit 121 stores information regarding service users of the electronic payment service. FIG. 6 shows an example of user information stored in the user information storage unit 121 according to the embodiment. As shown in FIG. 6, the user information stored in the user information storage unit 121 includes items such as "user ID", "attribute information", "purchase history", and "coupon information". ”, and these items are correlated with each other.

The "user ID" item stores identification information individually assigned to each service user in order to identify each service user who uses the electronic payment service.

The "attribute information" item stores attribute information indicating the attributes of the service user. Attribute information includes information about the service user's demographic attributes such as gender, age, telephone number, address, and family structure, as well as psychographic attributes such as the service user's interests and preferences and lifestyle. May contain information.

The "Purchase History" item stores information indicating the service user's purchase history made using the electronic payment service.

In the "coupon information" item, information indicating the content of the coupon used at the time of payment of the electronic payment service, among the coupons (payment-linked coupons) acquired by the service user, is stored.

(About coupon information storage unit 122)
The coupon information storage unit 122 stores information regarding coupons submitted by member stores of electronic payment services. FIG. 7 shows an example of information regarding coupons stored in the coupon information storage unit 122 according to the embodiment.

As shown in FIG. 7, information related to coupons stored in the coupon information storage unit 122 includes items such as "affiliated store ID", "coupon ID", "coupon category", and "coupon content". It has multiple items, such as the item , and the item ``Competitive Affiliate Store ID''. These items included in the information regarding the coupon are correlated with each other.

The item "affiliated store ID" stores identification information that is individually assigned to each affiliate store in order to identify each business operator that introduces the electronic payment service.

In the "Coupon ID" field, when a business operator operating each member store sets information regarding coupons, a unique value is assigned to each coupon in order to identify each coupon set by the business operator. The identification information is stored.

The "coupon category" item stores information indicating the category to which the coupon, set by the business operator of each member store, belongs. The category to which the coupon belongs corresponds to a classification in the market of transaction objects such as products and services for which the coupon can be used. For example, if a coupon can be used when paying for food and drinks using an electronic payment service at a member store of a restaurant chain, "food" is stored as the coupon category. Further, for example, if a coupon can be used when paying for fashion items using an electronic payment service at a member store of a business that mainly deals with clothing, "Apparel" is stored as the coupon category. Further, for example, if a coupon can be used when paying for daily necessities using an electronic payment service at a member store of a business that mainly handles miscellaneous goods, "miscellaneous goods" is stored as the coupon category.

The "coupon content" item stores information indicating the specific content of the coupon set by the business operator that operates each member store.

In the item "Competitive member store ID", information indicating member stores of other companies that each company introducing the electronic payment service recognizes as having a competitive relationship in the business scene is stored. The information stored in the "Competitive Merchant ID" item may be registered based on the settings of each business operator accepted through the user interface for businesses mentioned above, or the information stored in the item "Competitive Merchant ID" may be registered based on the settings of each business operator accepted through the user interface for businesses mentioned above, or Other businesses in competition with each business operator may be automatically determined based on the content, and automatically registered according to the automatic determination result. In addition, although FIG. 7 exemplifies the item "competing member store ID" as one of the items included in the information regarding coupons, the information regarding coupons also includes an item for storing information indicating competing businesses. You can.

(About the coupon-related information storage unit 123)
The coupon-related information storage unit 123 stores various information regarding coupons provided to service users. FIG. 8 shows an example of coupon-related information stored in the coupon-related information storage unit 123 according to the embodiment.

As shown in FIG. 8, the coupon-related information stored in the coupon-related information storage unit 123 according to the embodiment includes items such as "user ID", "coupon selection history", and "coupon category selection history". It has multiple items such as , ``coupon acquisition history,'' ``coupon evaluation history,'' and so on. These items included in the coupon-related information are associated with each other.

The "User ID" item stores identification information for identifying service users who have won a random lottery to determine whether or not to provide a coupon when making a payment using an electronic payment service. . For example, in order to identify each service user who uses an electronic payment service, identification information individually assigned to each service user is used.

The "coupon selection history" item stores the selection history of coupons selected as coupon candidates to be provided to service users. For example, the item "Coupon selection history" includes a timestamp indicating the date and time of coupon selection, information indicating the coupon category selected prior to coupon selection, and coupon ID corresponding to the selected coupon. Information indicating the etc. is stored.

In the item "Coupon category selection history", information indicating the coupon category selected by the service user in the content for giving a prize (for example, "Food", "Apparel", "Miscellaneous goods", etc.) is stored.

The item "Coupon Category Selection History" stores information (for example, coupon ID) for identifying the coupon that the service user has acquired through the content for providing a premium.

The item "Coupon evaluation history" stores information (for example, "Good" or "No Good") indicating the content of the evaluation of the coupon received from the service user through the premium offering content.

(About the control unit 130)
The control unit 130 is a controller, and for example, various programs stored in the storage device inside the payment server 100 use the RAM as a work area by a CPU (Central Processing Unit) or an MPU (Micro Processing Unit). This is achieved through execution. Further, the control unit 130 may be realized by, for example, an integrated circuit such as an ASIC (Application Specific Integrated Circuit) or an FPGA (Field Programmable Gate Array). As shown in FIG. 5, the control unit 130 includes a payment processing unit 131, a selection unit 132, a transmission unit 133, and a management unit 134, and each of these units performs information processing functions and the like described below. accomplish or carry out an action.

(About payment processing unit 131)
When the payment processing unit 131 receives a payment request transmitted from the terminal device 10 used by a service user of the electronic payment service through the communication unit 110, the payment processing unit 131 executes payment processing in accordance with the acquired payment request.

(About the selection section 132)
When the payment processing unit 131 successfully completes the payment processing, the selection unit 132 selects coupon candidates to be provided to the service user from among the multiple coupons provided in advance by the business that introduces the electronic payment service. Execute the selection process.

For example, when the payment process is successfully completed, the selection unit 132 randomly determines whether or not to provide the coupon to the service user. When determining to provide a coupon, the selection unit 132 selects coupon candidates according to predetermined conditions set in advance.

For example, the selection unit 132 may select as a coupon candidate a coupon that can be used at a member store of an electronic payment service operated by another business that is not in a competitive relationship with the business that was a party to the transaction through payment processing. good. Further, for example, the selection unit 132 may select coupon candidates based on attribute information indicating the attributes of the service user who is the sender of the payment request. Further, for example, the selection unit 132 may select coupon candidates based on the behavior history of the service user who is the source of the payment request. Furthermore, for example, the selection unit 132 may select coupon candidates based on the coupon acquisition history of the service user who is the source of the payment request.

(About the transmitter 133)
The transmitting unit 133 transmits the premium providing content for providing the service user with the coupon selected by the selecting unit 132 to the terminal device 10 along with payment completion information for notifying the service user that the payment process has been completed. Send to.

In addition, when transmitting the content for providing a prize to the terminal device 10, the transmitting unit 133 also transmits category icons OB1-1 and OB1-2 indicating each of the coupon categories corresponding to the plurality of coupon candidates selected by the selecting unit 132. , OB1-3 (see FIG. 2, for example) to the terminal device 10, each category icon OB1-1, OB1-2, OB1-3 is displayed according to a predetermined operation by the service user. First control information for executing an image rendering process (an example of a "predetermined process") is transmitted to the terminal device 10. In this case, the first control information is configured to provide a prize so that a predetermined operation can be alternatively accepted for the plurality of category icons OB1-1, OB1-2, and OB1-3 displayed on the terminal device. The terminal device 10 is provided with a processing function for controlling the behavior of the content.

Further, the transmitting unit 133 transmits to the terminal device 10 content for providing a prize, including an evaluation button OB2 (an example of "second image information") indicating an object for accepting evaluations of the coupon from the service user. At this time, second control information for executing an evaluation transmission process (an example of a "predetermined process") in accordance with a predetermined operation of the service user on the evaluation button OB2 is transmitted together with the prize providing content through the communication unit 110. It is transmitted to the terminal device 10. In this case, the second control information provides the terminal device 10 with a function of causing the terminal device 10 to transmit evaluation information indicating the contents of the evaluation for the coupon associated with the evaluation button OB2.

The transmitting unit 133 also transmits a gift including a coupon use button OB2-3 (an example of “third image information”) indicating an object for allowing the service user to obtain a coupon selected as a coupon candidate by the selecting unit 132. When transmitting the content to be provided to the terminal device 10, a third step is performed to execute a website display process (an example of a "predetermined process") according to a predetermined operation of the service user on the coupon use button OB2-3. The control information is transmitted to the terminal device 10 together with the prize providing content. In this case, the third control information includes a processing function for causing the terminal device 10 to transmit information regarding the coupon acquired by the service user, and a processing function for causing the terminal device 10 to transmit information regarding the coupon acquired by the service user, and the website of the member store related to the coupon acquired by the service user. A processing function for displaying a screen is provided to the terminal device 10.

(About the management department 134)
The management unit 134 associates a coupon ID (an example of a “prize”) with a user ID (an example of “user identification information”) for identifying a service user and identifies a coupon candidate selected by the selection unit 132 (an example of “freebie identification information”). By storing the information indicating the coupon category corresponding to the coupon candidate in the coupon-related information storage unit 123, the coupon selection history is managed for each service user.

Furthermore, the management unit 134 associates information indicating a coupon category selected by the service user from among the coupon categories corresponding to the coupon candidates provided to the service user through the premium offering content with the user ID. By storing it in the coupon-related information storage unit 123, the selection history of coupon categories is managed for each service user.

In addition, the management unit 134 associates a coupon ID for identifying a coupon acquired by a service user with a user ID from among coupon candidates provided to the service user through the content for giving a premium, and associates the coupon ID with the user ID. By storing the information in the information storage unit 123, the coupon acquisition history is managed for each service user.

In addition, when the management unit 134 receives evaluation information from the service user regarding a coupon candidate provided to the service user through the content for providing a premium, the management unit 134 associates the evaluation information received from the service user with the user ID and provides the coupon. By storing it in the related information storage unit 123, the evaluation history of coupons is managed for each service user.

[3. Processing procedure example]
An example of the processing procedure in the payment server 100 according to the embodiment will be described below. FIG. 9 shows an example of an information processing procedure executed by the payment server 100 according to the embodiment.

As shown in FIG. 9, when a payment processing unit 131 receives a payment request transmitted from a terminal device 10 used by a service user of an electronic payment service through the communication unit 110, the payment processing unit 131 performs payment processing according to the acquired payment request. Processing is executed (step S101).

Further, when the payment processing by the payment processing unit 131 is successfully completed, the selection unit 132 performs a random lottery to randomly determine whether or not to provide the coupon to the service user (step S102). .

Further, when the service user wins the random lottery and it is determined to provide the service user with a coupon (step S102: Yes), the selection unit 132 selects a coupon category for selecting the coupon. (Step S103).

Further, the selection unit 132 selects coupon candidates to be provided to the user U for each selected coupon category according to predetermined conditions set in advance by the administrator OP of the payment server 100 (step S104).

Further, the transmitting unit 133 transmits the premium offering content to the terminal device 10 along with payment completion information for notifying the user U that the payment process has been completed (step S105), and ends the processing procedure shown in FIG. do.

In step S102 described above, if the service user does not win the random lottery and determines not to provide the coupon to the service user (step S102: No), the selection unit 132 determines that the payment process has been completed. Payment completion information for notifying user U of this is transmitted to terminal device 10 (step S106), and the processing procedure shown in FIG. 9 is ended.

[4. Modified example]
(4-1. First modification)
In the above embodiment, based on the learned model that has learned the correspondence between the information indicating the transaction object purchased by the service user of the electronic payment service and the information regarding the coupon provided to the service user, Coupon candidates to be provided to service users may be selected. Hereinafter, a method for generating a trained model executed by the payment server 200, which is an example of an information processing apparatus according to the first modification, will be described. FIG. 10 shows an overview of a method for generating a trained model according to the first modification.

In addition, below, we will explain an example of using supervised learning as a machine learning method used to generate a trained model. Any learning method can be used as long as it can learn a model that can achieve the purpose (task) of selecting coupon candidates.

(4-1-1. Learning phase)
First, the administrator OP of the payment server 200 according to the first modification is concerned with the purchase history of the electronic payment service user, the coupon information submitted by the business operator, and the coupon information provided to the service user. Prepare learning data based on coupon-related information. For example, the administrator OP collects information indicating the transaction object purchased by the electronic payment service user (for example, information on the purchased product) and information regarding the coupon provided to the service user (for example, the coupon information). Prepare learning data (correct data) that shows the correspondence with the content). Then, the payment server 200 acquires the learning data prepared by the administrator OP, and based on the acquired learning data, provides a coupon corresponding to the input transaction object in response to the input of information indicating the transaction object. Learn an estimation model that outputs information to estimate .

Specifically, the administrator OP prepares learning data in which a predetermined score is assigned to a coupon based on the number of times multiple coupons provided to a service user are used when making a payment for a transaction. Good too. For example, it may be possible to assign a higher score to a coupon that has been used more times at the time of payment. In this case, when the transaction object is input, the payment server 200 outputs a higher score for a prize that is used more times when making a payment for the transaction object, and outputs a lower score for a prize that is used less times for making a payment for the transaction object. Train the estimation model to be output.

The administrator OP also provides learning data in which a predetermined score is assigned to a plurality of coupons provided to the service user, based on evaluation information for the coupon obtained in advance from the service user. may be prepared. In this case, when the transaction object is input, the payment server 200 outputs a higher score for a coupon with more positive evaluations from service users, and outputs a lower score for a coupon with fewer positive evaluations from service users. Train the model to output.

In addition, the administrator OP performs training that assigns a predetermined score to a coupon based on information indicating the period from when the multiple coupons provided to the service user are acquired by the service user until they are used. You may also prepare data for In this case, when the transaction object is input, the payment server 200 learns the estimation model so that the coupon with a shorter period from when it is acquired by the service user to when it is used is outputted with a higher score.

Further, the administrator OP may prepare learning data in which scores are weighted according to attribute information indicating the attributes of the service user. In this case, the payment server 200 learns the estimation model using learning data in which scores are weighted according to attribute information indicating attributes of the service user.

Further, the payment server 200 can employ any method for learning processing of the estimation model. For example, the payment server 200 can perform learning processing using a technique such as backpropagation (error backpropagation method). For example, the payment server 200 uses a learning process to adjust the value of the weight (ie, connection coefficient) that is taken into consideration when transmitting values between nodes. In this way, the payment server 200 adjusts the estimation model through processing such as backpropagation that corrects parameters (connection coefficients) so that the error between the output of the estimation model and the correct answer (correct data) corresponding to the input is reduced. learn. For example, the payment server 200 generates an estimation model by performing processing such as backpropagation to minimize a predetermined loss function. Thereby, the payment server 200 can perform a learning process to learn the parameters of the estimation model.

(4-1-2. Prediction phase)
The payment server 200 uses a learned model that has learned an estimation model to predict a result for input data for which the correct answer is unknown. For example, the payment server 100 inputs information (for example, product name) of a purchased product whose correct answer is unknown to the learned model as verification data, and outputs (coupon content) corresponding to the input verification data. ) to obtain. The administrator OP evaluates the performance of the trained model and tunes the trained model based on the output obtained from the trained model.

(4-1-3. Selection of coupon candidates)
The payment server 200 can select coupon candidates using a learned model that has learned the above-mentioned estimation model. For example, when the payment server 200 acquires a payment request transmitted from the terminal device 10 used by a service user of an electronic payment service, the payment server 200 executes payment processing in accordance with the acquired payment request. Then, when the payment processing is successfully completed, the payment server 200 uses the learned model to provide the service user with a coupon from among a plurality of coupons provided in advance by the business that introduces the electronic payment service. Select candidates.

For example, the payment server 200 inputs the product name of the product purchased by the service user into a learned model, and based on the score for each coupon output from the learned model, the coupon with the highest score is selected as a coupon candidate. Select. If a coupon category has already been selected, the payment server 200 may select, for each selected coupon category, the coupon with the highest score among the coupons corresponding to the coupon category as a coupon candidate.

Then, the payment server 200 transmits premium offering content for providing the selected coupon candidate to the service user, along with information for notifying the service user that the payment process has been completed, to the terminal device 10. .

As described above, according to the payment server 200 according to the first modification, the accuracy of selecting coupon candidates to be provided to service users can be improved by using the above-mentioned learned model, and as a result, the selection accuracy of coupon candidates to be provided to service users can be increased. It is possible to improve the utilization rate of sales promotion measures.

(4-1-4. Configuration of payment server according to first modification)
Next, the configuration of the payment server 200 according to the first modification will be described. FIG. 11 shows a configuration example of a payment server 200 according to a first modification. As shown in FIG. 11, the payment server 200 according to the first modification includes a communication section 210, a storage section 220, and a control section 230. Note that the payment server 200 according to the first modification has basically the same configuration as the payment server 100 according to the embodiment. That is, the communication unit 210, storage unit 220, and control unit 230 included in the payment server 200 correspond to the communication unit 110, storage unit 120, and control unit 130 included in the payment server 100, respectively.

(About communication department 210)
The communication unit 210 is realized by, for example, a NIC (Network Interface Card). The communication unit 210 is connected to the network N by wire or wirelessly, and transmits and receives information to and from the terminal device 10 and the like.

(About storage unit 220)
The storage unit 220 is realized by, for example, a semiconductor memory element such as a RAM (Random Access Memory) or a flash memory, or a storage device such as a hard disk or an optical disk. As shown in FIG. 11, the storage unit 220 includes a user information storage unit 221, a coupon information storage unit 222, a coupon-related information storage unit 223, and a model information storage unit 224. Note that the storage unit 220 is not limited to the example shown in FIG. 11, and may include a storage unit that stores other information in addition to the storage unit described above.

In addition, the user information storage section 221, the coupon information storage section 222, and the coupon-related information storage section 223 that the storage section 220 has are the user information storage section 121, the coupon information storage section 122, and the coupon-related information that the storage section 120 has. Each corresponds to the information storage section 123 and stores the same information. Furthermore, the storage unit 220 differs from the storage unit 120 in that it includes a model information storage unit 224 . The model information storage unit 224 will be explained below.

(About model information storage unit 224)
The model information storage unit 224 stores information (model data) of a learned model (model) learned (generated) by the learning process. Information regarding the learned model generated by the payment server 200 is stored. For example, the model information storage unit 224 stores various information constituting the model, such as information on the configuration of the model (network configuration) and information on parameters. The model data stored in the model information storage unit 224 includes nodes in each layer of the network, functions adopted by each node, connection relationships between nodes, and connection coefficients set for connections between nodes. Contains information.

(About the control unit 230)
The control unit 230 is a controller, and for example, various programs stored in a storage device inside the payment server 200 use the RAM as a work area by a CPU (Central Processing Unit) or an MPU (Micro Processing Unit). This is achieved through execution. Further, the control unit 230 may be realized by an integrated circuit such as an ASIC (Application Specific Integrated Circuit) or an FPGA (Field Programmable Gate Array). As shown in FIG. 11, the control unit 230 includes a payment processing unit 231, a selection unit 232, a transmission unit 233, a management unit 234, an acquisition unit 235, and a learning unit 236. , realizes or executes the information processing functions and operations described below.

Further, the payment processing unit 231, selection unit 232, transmission unit 233, and management unit 234 included in the control unit 230 are connected to the payment processing unit 131, selection unit 132, transmission unit 133, and management unit 134 included in the control unit 130, respectively. Compatible. Furthermore, the control unit 230 includes an acquisition unit 235 and a learning unit 236 as new functional units corresponding to the first modification. Hereinafter, among the information processing functions and operations realized or executed by each unit included in the control unit 230, the information processing functions and operations specific to the first modification will be described.

(About the acquisition unit 235)
The acquisition unit 235 acquires learning data indicating a correspondence relationship between information indicating a transaction object purchased by a service user of the electronic payment service and information regarding a prize provided to the service user. The acquisition unit 235 passes the acquired learning data to the learning unit 236.

For example, the acquisition unit 235 may acquire learning data in which a predetermined score is assigned to a coupon based on the number of times a plurality of coupons provided to a service user are used for payment of a transaction object.

Further, for example, the acquisition unit 235 performs learning that assigns a predetermined score to a plurality of coupons provided to the service user, based on evaluation information for the coupon acquired in advance from the service user. You may also obtain data for

Further, for example, the acquisition unit 235 assigns a predetermined score to a coupon based on information indicating a period from when a plurality of coupons provided to the service user are acquired by the service user until they are used. You may also obtain training data.

Further, for example, the acquisition unit 235 may acquire learning data in which the score is weighted according to attribute information indicating attributes of the service user.

(About learning section 236)
Based on the learning data acquired by the acquisition unit 235, the learning unit 236 learns an estimation model that outputs information for estimating a coupon corresponding to the input transaction object in response to input of information indicating the transaction object. do. When the learning of the estimated model is completed, the learning unit 236 stores the data of the trained model in the model information storage unit 224.

For example, when a transaction object is input, the learning unit 236 outputs a higher score for a coupon that is used more times when making a payment for the transaction object, and outputs a lower score for a coupon that is used less times for making a payment for the transaction object. The estimation model may be trained to

For example, when the learning unit 236 inputs a transaction object, the coupon with more positive evaluations from service users is outputted with a higher score, and the coupon with fewer positive evaluations from service users is output with a lower score. The model may be trained so that it outputs

Furthermore, for example, when the transaction object is input, the learning unit 236 learns the estimation model so that the coupon with a shorter period from the time the coupon is acquired by the service user to the time it is used is outputted with a higher score. Good too.

Further, for example, the learning unit 236 may learn the estimation model using learning data in which scores are weighted according to attribute information indicating attributes of the service user.

(About the selection section 232)
When the payment processing by the payment processing unit 231 is successfully completed, the selection unit 232 uses the trained model stored in the model information storage unit 224 to select multiple models provided in advance by the business that introduces the electronic payment service. Select coupon candidates to be provided to the service user from among the coupons.

(4-1-5. Processing procedure example according to the first modification)
An example of the processing procedure of the learning process according to the first modification will be described below. FIG. 12 shows an example of a learning processing procedure executed by the payment server 200 according to the first modification.

As shown in FIG. 12, the acquisition unit 235 provides a learning tool that indicates the correspondence between information indicating the transaction object purchased by the service user of the electronic payment service and information regarding the premium provided to the service user. Data is acquired (step S201).

Based on the learning data acquired by the acquisition unit 235, the learning unit 236 learns an estimation model that outputs information for estimating a coupon corresponding to the input transaction object in response to input of information indicating the transaction object. (Step S202), and the processing procedure shown in FIG. 12 ends.

(4-2. Second modification)
(4-2-1. Outline of information processing related to second modification)
In the embodiment described above, the acquired coupons may be exchanged between service users. Information processing executed by the payment server 300, which is an example of the information processing apparatus according to the second modification, will be described below. FIG. 13 shows an overview of information processing according to the second modification. An example of information processing when coupons are exchanged between service user U1-1 and service user U1-2 of the electronic payment service will be described below. Note that the coupon exchange described below can be realized by, for example, using a remittance function between service users.

The information processing system SYS-B shown in FIG. 13 includes terminal devices 10-1 and 10-2 and a payment server 300. Terminal devices 10-1, 10-2 and payment server 300 are connected to network N (see FIG. 14, for example). The terminal devices 10-1 and 10-2 and the payment server 300 can communicate through the network N. The terminal device 10-1 is an information processing terminal used by a service user U1-1 of the electronic payment service. The terminal device 10-2 is an information processing terminal used by the service user U1-2 of the electronic payment service. The terminal devices 10-1 and 10-2 each have the same processing functions as the terminal device 10 according to the embodiment.

The terminal device 10-1 shown in FIG. 13 transmits a request to obtain link information for transferring the coupon to the payment server 300 (step S21). The acquisition request from the terminal device 10-1 includes a coupon ID for specifying the coupon designated by the service user U1-1 as a transfer target.

Upon receiving the link information acquisition request from the terminal device 10-1, the payment server 300 generates link information based on the received acquisition request. For example, the payment server 300 identifies the coupon corresponding to the link ID included in the acquisition request, and generates link information linked to the identified coupon. The link information generated by the payment server 300 is a URL (Uniform Resource Locator) associated with a coupon designated as a transfer target by the service user U1-1, and for example, a magic link can be used. Payment server 300 transmits the generated link information to terminal device 10-1 (step S23).

When the terminal device 10-1 receives the link information from the payment server 300, the terminal device 10-1 sends and receives the link information LK for transferring the coupon to the service user U1-2 in response to an operation by the service user U1-1, for example. It is pasted on the screen CR (step S24). The link information LK pasted on the coupon delivery/reception screen CR is provided to the service user U1-2 by, for example, a message function of a user application running on the terminal device 10-1.

The terminal device 10-2 executes a coupon exchange screen display process to display the coupon exchange screen CR in response to the operation by the service user U1-2 (step S25). The coupon exchange screen CR shown in FIG. 13 displays link information LK for receiving a coupon from the service user U1-1. Then, when the terminal device 10-2 detects the operation by the service user U1-2 on the link information LK, it transmits access information corresponding to the operation on the link information LK to the payment server 300 (step S26).

Upon receiving the access information from the terminal device 10-2, the payment server 300 executes a coupon transfer process (step S27). For example, the payment server 300 transfers the coupon information linked to the link information LK from the service user U1-1 to the service user U1-2. Specifically, the payment server 300 deletes the coupon information associated with the link information LK from the coupon information corresponding to the service user U1-1 who is the transferee of the coupon, and deletes the coupon information associated with the link information LK from the coupon information corresponding to the service user U1-1 who is the transferee of the coupon. For coupon information corresponding to U1-2, coupon information linked to link information LK is registered together with a time stamp.

Furthermore, upon completion of the coupon exchange process, the payment server 300 transmits coupon acquisition information to the terminal device 10-2 (step S28).

Upon receiving the coupon acquisition information from the payment server 300, the terminal device 10-2 executes a coupon information display process (step S29). For example, the terminal device 10-2 displays a message M-2 indicating that a coupon has been acquired on the coupon exchange screen CR.

(4-2-2. Configuration of payment server according to second modification)
Next, the configuration of the payment server 300 according to the second modification will be described. FIG. 14 shows a configuration example of a payment server 200 according to a second modification. As shown in FIG. 14, a payment server 300 according to the second modification includes a communication section 310, a storage section 320, and a control section 330. Note that the payment server 300 according to the second modification has basically the same configuration as the payment server 100 according to the embodiment. That is, the communication unit 310, storage unit 320, and control unit 330 included in the payment server 300 correspond to the communication unit 110, storage unit 120, and control unit 130 included in the payment server 100, respectively.

(About communication department 310)
The communication unit 310 is realized by, for example, a NIC (Network Interface Card). The communication unit 210 is connected to the network N by wire or wirelessly, and transmits and receives information to and from the terminal device 10 and the like.

(About storage unit 320)
The storage unit 320 is realized by, for example, a semiconductor memory element such as a RAM (Random Access Memory) or a flash memory, or a storage device such as a hard disk or an optical disk. As shown in FIG. 14, the storage unit 320 includes a user information storage unit 321, a coupon information storage unit 322, and a coupon-related information storage unit 323. Note that the storage unit 320 is not limited to the example shown in FIG. 14, and may include a storage unit that stores other information in addition to the storage unit described above.

Further, the user information storage section 321, the coupon information storage section 322, and the coupon-related information storage section 323 that the storage section 320 has are the user information storage section 121, the coupon information storage section 122, and the coupon-related information storage section that the storage section 120 has. Each corresponds to the information storage section 123 and stores the same information.

(About the control unit 330)
The control unit 330 is a controller, and for example, various programs stored in the storage device inside the payment server 300 use the RAM as a work area by a CPU (Central Processing Unit) or an MPU (Micro Processing Unit). This is achieved through execution. Further, the control unit 330 may be realized by, for example, an integrated circuit such as an ASIC (Application Specific Integrated Circuit) or an FPGA (Field Programmable Gate Array). As shown in FIG. 14, the control unit 330 includes a payment processing unit 331, a selection unit 332, a transmission unit 333, a management unit 334, a generation unit 335, and a transfer processing unit 336. Accordingly, the information processing functions and operations described below are realized or executed.

Further, the payment processing unit 331, selection unit 332, transmission unit 333, and management unit 334 included in the control unit 330 respectively Compatible. Further, the control unit 330 includes a generation unit 335 and a transfer processing unit 336 as new functional units corresponding to the second modification. Hereinafter, among the information processing functions and operations realized or executed by each unit included in the control unit 330, the information processing functions and operations specific to the second modification will be described.

(About the generation unit 335)
The generation unit 335 generates link information in response to a link information acquisition request received from the terminal device 10. For example, the generation unit 335 generates link information indicating a URL associated with a coupon designated as a transfer target by a service user.

(About the transfer processing unit 336)
Upon receiving the access information from the terminal device 10-2, the exchange processing unit 336 executes the coupon exchange processing. For example, the transfer processing unit 336 deletes coupon information linked to the link information LK from the coupon information corresponding to the service user who is the transfer source of the coupon, among the coupon information stored in the user information storage unit 321. do. In addition, among the coupon information stored in the user information storage unit 321, the delivery/reception processing unit 336 assigns a coupon associated with the link information LK to the coupon information corresponding to the service user to whom the coupon is to be transferred. Register (store) information along with a timestamp.

[5. effect〕
As described above, the payment server 100 according to the embodiment includes a payment processing section 131, a selection section 132, and a transmission section 133. When the payment processing unit 131 acquires a payment request transmitted from a terminal device used by a service user of the electronic payment service, the payment processing unit 131 executes payment processing in accordance with the acquired payment request. When the payment process is successfully completed, the selection unit 132 performs a selection process to select a prize candidate to be provided to the service user from among a plurality of predetermined prizes provided in advance by the business that introduces the electronic payment service. Execute. The transmitting unit 133 transmits prize offering content for providing the service user with the prize candidates selected by the selecting unit 132 to the terminal device along with information for notifying the service user that the payment process has been completed. do.

Further, when the payment process is successfully completed, the selection unit 132 randomly determines whether or not to provide a predetermined gift to the service user, and when it is determined to provide a predetermined gift, the selection unit 132 The prize candidates are selected according to predetermined conditions. The transmitting unit 133 transmits the prize providing content including the prize candidates selected by the selecting unit 132 to the terminal device 10 .

Further, the selection unit 132 selects, as prize candidates, predetermined prizes that can be used at member stores of electronic payment services operated by other businesses that are not in a competitive relationship with the business that was a party to the transaction through payment processing. .

Further, the selection unit 132 selects prize candidates based on attribute information indicating the attributes of the service user who is the sender of the payment request.

Furthermore, the selection unit 132 selects prize candidates based on the behavior history of the service user who is the source of the payment request.

Further, the selection unit 132 selects a prize candidate based on the acquisition history of a predetermined prize by the service user who is the source of the payment request.

Furthermore, when transmitting the prize providing content including the plurality of first image information indicating each of the prize categories corresponding to the plurality of prize candidates to the terminal device 10, the transmitting unit 133 sends the service for each first image information. First control information for executing a predetermined process according to a predetermined operation by the user is transmitted to the terminal device 10 together with the prize providing content. The first control information controls the behavior of the prize providing content so that a predetermined operation is alternatively accepted for the plurality of first image information displayed on the terminal device 10.

In addition, when transmitting prize providing content including second image information indicating an object for receiving evaluations for a predetermined prize from a service user to the terminal device 10, the transmitting unit 133 transmits a service corresponding to the second image information to the terminal device 10. Second control information for executing a predetermined process according to a predetermined operation by the user is transmitted to the terminal device 10 together with the prize providing content. The second control information provides a function for causing the terminal device 10 to transmit evaluation information indicating the content of the evaluation associated with the second image information.

Furthermore, the transmitting unit 133 transmits to the terminal device 10 prize providing content including third image information indicating an object for allowing the service user to obtain a predetermined prize selected as a prize candidate by the selecting unit 132. At this time, third control information for executing a predetermined process according to the service user's predetermined operation on the third image information is transmitted to the terminal device 10 together with the prize providing content. The third control information provides a function for causing the terminal device 10 to display a screen of a website of a member store related to a predetermined prize acquired by the service user.

In addition, the payment server 100 according to the embodiment provides the prize identification information for identifying the prize candidate selected by the selection unit 132 and the prize candidate in association with the user identification information for identifying the service user. The system further includes a management section 134 that manages a selection history of a predetermined prize for each service user by storing category information indicating a corresponding prize category in the storage section 120.

In addition, the management unit 134 corresponds category information indicating a prize category selected by the service user from among the prize categories corresponding to the prize candidates provided to the service user through the prize providing content to the user identification information. By attaching and storing the premium category in the storage unit 120, the selection history of the premium category is managed for each service user.

In addition, the management unit 134 corresponds prize identification information to the user identification information for identifying a predetermined prize acquired by the service user from among the prize candidates provided to the service user through the prize providing content. By attaching and storing the information in the storage unit, the acquisition history of predetermined prizes can be managed for each service user.

Furthermore, when the management unit 134 receives from the terminal device 10 evaluation information for a prize candidate provided to a service user through the contents for providing a prize, the management unit 134 associates the received evaluation information with the user identification information and stores it in the storage unit 120. By storing the information, the evaluation history of a predetermined prize is managed for each service user.

In this way, the payment server 100 according to the embodiment can improve the utilization rate of the promotional measures with prizes through the processing executed by each of the above-described units or a combination of the units. For example, the payment server 100 can improve the user U's awareness of the prize providing content by displaying the prize providing content on the payment completion screen that the user U is likely to focus on. Furthermore, after the payment server 100 allows the user U to select a desired coupon category, the payment server 100 uses gamification to subsequently disclose the content of the coupon corresponding to the selected coupon category in response to the user U's operation. , it is possible to stimulate user U's interest and improve the coupon usage rate.

[6. Hardware configuration]
Further, the payment server 100 according to the embodiment described above, the payment server 200 according to the first modification, and the payment server 300 according to the second modification are operated by, for example, a computer 1000 having a configuration as shown in FIG. Realized. FIG. 15 is a hardware configuration diagram showing an example of a computer that implements the functions of the payment server according to the embodiment.

The computer 1000 is connected to an output device 1010 and an input device 1020, and has an arithmetic device 1030, a primary storage device 1040, a secondary storage device 1050, an output IF (Interface) 1060, an input IF 1070, and a network IF 1080 connected by a bus 1090. has.

The arithmetic device 1030 operates based on programs stored in the primary storage device 1040 and the secondary storage device 1050, programs read from the input device 1020, and performs various processes. The primary storage device 1040 is a memory device such as a RAM that temporarily stores data used by the arithmetic device 1030 for various calculations. Further, the secondary storage device 1050 is a storage device in which data used by the arithmetic unit 1030 in various calculations and various databases are registered, and is realized by a ROM (Read Only Memory), an HDD, a flash memory, or the like.

The output IF 1060 is an interface for transmitting information to be output to the output device 1010 that outputs various information such as a monitor or a printer. This is realized using a connector compliant with standards such as HDMI (registered trademark) (High Definition Multimedia Interface). Further, the input IF 1070 is an interface for receiving information from various input devices 1020 such as a mouse, a keyboard, and a scanner, and is realized by, for example, a USB.

Note that the input device 1020 is, for example, an optical recording medium such as a CD (Compact Disc), a DVD (Digital Versatile Disc), or a PD (Phase change rewritable disk), a magneto-optical recording medium such as an MO (Magneto-Optical disk), or a tape. It may be a device that reads information from a medium, a magnetic recording medium, a semiconductor memory, or the like. Furthermore, the input device 1020 may be an external storage medium such as a USB memory.

Network IF 1080 receives data from other devices via network N and sends it to computing device 1030, and also sends data generated by computing device 1030 to other devices via network N.

Arithmetic device 1030 controls output device 1010 and input device 1020 via output IF 1060 and input IF 1070. For example, the arithmetic device 1030 loads a program from the input device 1020 or the secondary storage device 1050 onto the primary storage device 1040, and executes the loaded program.

For example, when the computer 1000 functions as the payment server 100, which is an example of the information processing device according to the embodiment, the arithmetic device 1030 of the computer 1000 executes a program (for example, an information processing program) loaded on the primary storage device 1040. By executing this, a function similar to that of the control unit 130 is realized. That is, the arithmetic device 1030 realizes the processing by the payment server 100 according to the embodiment in cooperation with a program (for example, an information processing program) loaded onto the primary storage device 1040.

Further, for example, when the computer 1000 functions as the payment server 200, which is an example of the information processing device according to the first modification, the arithmetic device 1030 of the computer 1000 stores programs loaded on the primary storage device 1040 (for example, By executing the information processing program (information processing program), the same functions as the control unit 230 are realized. That is, the arithmetic device 1030 realizes the processing by the payment server 200 according to the first modification in cooperation with a program (for example, an information processing program) loaded onto the primary storage device 1040.

For example, when the computer 1000 functions as the payment server 300, which is an example of the information processing device according to the second modification, the arithmetic device 1030 of the computer 1000 stores programs (for example, information processing) loaded on the primary storage device 1040. By executing the program), the same functions as the control unit 330 are realized. That is, the arithmetic device 1030 realizes the processing by the payment server 300 according to the second modification in cooperation with a program (for example, an information processing program) loaded onto the primary storage device 1040.

[7. others〕
Some of the embodiments of the present application have been described above in detail based on the drawings, but these are merely examples, and various modifications and variations may be made based on the knowledge of those skilled in the art, including the embodiments described in the disclosure section of the invention. It is possible to carry out the invention in other forms with modifications. Furthermore, the embodiments described above can be combined as appropriate within a range that does not conflict with the processing contents.

Further, among the processes described in the above embodiments, all or part of the processes described as being performed automatically can be performed manually, and conversely, the processes described as being performed automatically can be performed manually. All or part of the processing can also be performed automatically using known methods. In addition, information including the processing procedures, specific names, and various data and parameters shown in the above documents and drawings may be changed arbitrarily, unless otherwise specified. For example, the various information shown in each figure is not limited to the illustrated information.

Further, each component of each device shown in the drawings is functionally conceptual, and does not necessarily need to be physically configured as shown in the drawings. In other words, the specific form of distributing and integrating each device is not limited to what is shown in the diagram, and all or part of the devices can be functionally or physically distributed or integrated in arbitrary units depending on various loads and usage conditions. Can be integrated and configured. For example, the selection unit 132 and the transmission unit 133 included in the control unit 130 of the payment server 100 according to the embodiment may be functionally integrated.

Furthermore, the configuration of the payment server 100 described above can be changed flexibly, such as implementing some functions by calling an external platform using an API (Application Programming Interface), network computing, or the like.

Further, the "unit" described in the claims can be read as "means", "circuit", etc. For example, the control section can be read as a control means or a control circuit.

10 Terminal devices 100, 200, 300 Payment server 110, 210, 310 Communication section 120, 220, 320 Storage section 121, 221, 321 User information storage section 122, 222, 322 Coupon information storage section 123, 223, 323 Coupon related Information storage unit 130, 230, 330 Control unit 131, 231, 331 Payment processing unit 132, 232, 332 Selection unit 133, 233, 333 Transmission unit 134, 234, 334 Management unit 235 Acquisition unit 236 Learning unit 335 Generation unit 336 Transfer processing section

Claims (15)

a payment processing unit that, when a payment request transmitted from a terminal device used by a service user of the electronic payment service is acquired, executes payment processing in accordance with the acquired payment request;
When the payment processing is successfully completed, a selection process is executed to select a prize candidate to be provided to the service user from among a plurality of predetermined prizes provided in advance by a business that introduces the electronic payment service. Selection department and
Sending prize offering content for providing the service user with the prize candidate selected by the selection unit to the terminal device along with information for notifying the service user that the payment process is completed; An information processing device comprising: a transmitting unit that transmits data; The selection section includes:
If the payment process is successfully completed, it is randomly determined whether or not to provide the predetermined gift to the service user, and when it is determined to provide the predetermined gift, a predetermined predetermined amount is determined. select the prize candidates according to the conditions;
The transmitter includes:
The information processing device according to claim 1, wherein the prize providing content including the prize candidate selected by the selection unit is transmitted to the terminal device. The selection section includes:
selecting the predetermined prize that can be used at member stores of electronic payment services operated by other aforementioned businesses that are not in a competitive relationship with the aforementioned businesses that were parties to the transaction through the payment processing as the aforementioned prize candidates; The information processing device according to claim 2. The selection section includes:
The information processing apparatus according to claim 2 or 3, wherein the prize candidate is selected based on attribute information indicating an attribute of the service user who is the sender of the payment request. The selection section includes:
The information processing device according to claim 2 or 3, wherein the prize candidate is selected based on the action history of the service user who is the sender of the payment request. The selection section includes:
The information processing apparatus according to claim 2 or 3, wherein the prize candidate is selected based on a history of acquisition of the predetermined prize by the service user who is the source of the payment request. The transmitter includes:
When transmitting the prize providing content including a plurality of first image information indicating each of the prize categories corresponding to the plurality of prize candidates to the terminal device, the service user transmitting first control information for executing a predetermined process according to a predetermined operation to the terminal device together with the prize providing content;
The first control information is
A function is provided for controlling the behavior of the prize offering content so that the predetermined operation is alternatively accepted for the plurality of pieces of first image information displayed on the terminal device. The information processing device according to claim 2, wherein the information processing device is information. The transmitter includes:
When transmitting the prize providing content including second image information indicating an object for receiving evaluation of the predetermined prize from the service user to the terminal device, the service user responds to the second image information. transmitting second control information for executing a predetermined process according to a predetermined operation to the terminal device together with the prize providing content;
The second control information is
The information processing apparatus according to claim 2, characterized in that the information provides a function for causing the terminal device to transmit evaluation information indicating the content of the evaluation associated with the second image information. The transmitter includes:
When transmitting the prize providing content including third image information indicating an object for causing the service user to obtain the predetermined prize selected as the prize candidate by the selection unit to the terminal device, transmitting third control information for executing a predetermined process according to a predetermined operation of the service user on the third image information to the terminal device together with the prize providing content;
The third control information is
A claim characterized in that the information provides a function for displaying on the terminal device a screen of a website of a member store operated by the aforementioned business operator that is related to the predetermined prize acquired by the service user. The information processing device according to item 1. Prize identification information for identifying the prize candidate selected by the selection unit in association with user identification information for identifying the service user, and category information indicating a prize category corresponding to the prize candidate. 3. The information processing apparatus according to claim 2, further comprising: a management section that manages a selection history of the predetermined prize for each service user by storing the selection history of the predetermined prize for each service user. The management department is
Corresponding to the user identification information, category information indicating the prize category selected by the service user from among the prize categories corresponding to the prize candidates provided to the service user through the prize providing content. 11. The information processing apparatus according to claim 10, wherein the selection history of the prize category is managed for each service user by storing the selected prize category in the storage unit. The management department is
Associating prize identification information for identifying the predetermined prize acquired by the service user from among the prize candidates provided to the service user through the prize providing content with the user identification information. 11. The information processing apparatus according to claim 10, wherein the acquisition history of the predetermined prize is managed for each service user by storing it in a storage unit. The management department is
When receiving evaluation information from the terminal device indicating the content of the evaluation of the prize candidate provided to the service user through the prize providing content, storing the received evaluation information in association with the user identification information. 11. The information processing apparatus according to claim 10, wherein an evaluation history of the predetermined prize is managed for each service user by storing the evaluation history in the service user. An information processing method performed by a computer, the method comprising:
When a payment request transmitted from a terminal device used by a service user of the electronic payment service is acquired, a payment processing step of executing a payment process in accordance with the acquired payment request;
When the payment processing is successfully completed, a selection process is executed to select a prize candidate to be provided to the service user from among a plurality of predetermined prizes provided in advance by a business that introduces the electronic payment service. Selection process and
Sending prize offering content for providing the service user with the prize candidate selected in the selection process to the terminal device along with information for notifying the service user that the payment process is completed. An information processing method comprising the steps of: to the computer,
A payment processing procedure for, when a payment request transmitted from a terminal device used by a service user of an electronic payment service is obtained, executing a payment processing in accordance with the obtained payment request;
When the payment processing is successfully completed, a selection process is executed to select a prize candidate to be provided to the service user from among a plurality of predetermined prizes provided in advance by a business that introduces the electronic payment service. Selection procedure and
Sending prize offering content for providing the service user with the prize candidate selected by the selection procedure to the terminal device along with information for notifying the service user that the payment process is completed; An information processing program that causes a transmission procedure to be executed.

Images