JP2024061625A - Presentation device, presentation method, and presentation program - Google Patents

Abstract

The present invention provides an improved convenience in using points provided to a user when making payments with electronic money using the user's mobile terminal.
[Solution] The presentation device of the present application is characterized in that it has a payment control unit that, when payment information indicating a payment made using a terminal device used by a user, executes payment processing in accordance with the payment information, a selection unit that selects candidate uses of benefits to be provided to the user after a specified period of time based on the content of the payment, and a presentation unit that presents to the user the content of the benefits to be provided to the user after the specified period of time through the payment and the candidate uses selected by the selection unit when the payment is completed.
[Selected Figure] Figure 1

Description

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

Conventionally, users have been provided with benefits such as points in relation to the use of various services. For example, a technology has been disclosed in which points are provided to users according to the amount of energy such as gas used, and when the points saved by the user are accepted as a use for paying gas bills, converting to electronic money, exchanging for products, making donations, etc., the points saved by the user can be used for the accepted use.

JP 2021-082067 A

However, the above-mentioned conventional technology leaves room for improvement in the service. For example, the above-mentioned conventional technology only accepts the use of points that a user has accumulated, so there is a risk that the points will be used for a purpose other than the one the user had intended when receiving them.

In recent years, electronic money payment services using users' mobile devices have become available. However, with this type of payment method, users may be given more points than expected in events such as lotteries, and there is a demand to be able to set a purpose for using the points to prevent them from being wasted.

This application has been made in consideration of the above, and aims to improve the convenience of using points provided to users when making payments with electronic money using their mobile devices.

The presentation device according to the present application is characterized by having a payment control unit that, when payment information indicating a payment made using a terminal device used by a user is received, executes a payment process according to the payment information, a selection unit that selects candidate uses of benefits to be provided to the user after a predetermined period of time based on the content of the payment, and a presentation unit that presents to the user the content of the benefits to be provided to the user after the predetermined period of time through the payment and the candidate uses selected by the selection unit when the payment is completed.

According to one aspect of the embodiment, it is possible to improve the convenience of using points provided to a user when making payments with electronic money using the user's mobile device.

FIG. 1 is an explanatory diagram showing an overview of an information processing system according to an embodiment. FIG. 2 is a diagram showing an example of candidates for a purpose of use presented in the content provided by the server device. FIG. 3 is a diagram illustrating an example of the configuration of a server device according to the embodiment. FIG. 4 is a diagram showing an example of the account database. FIG. 5 is a diagram illustrating an example of the user information database. FIG. 6 is a diagram showing an example of the profit database. FIG. 7 is a flowchart showing a process flow according to the embodiment. FIG. 8 is a diagram illustrating an example of a hardware configuration.

Below, the provision device, provision method, provision program, presentation device, presentation method, and presentation program according to the present application will be described in detail with reference to the drawings. Note that the provision device, provision method, provision program, presentation device, presentation method, and presentation program according to the present application are not limited to these embodiments. Furthermore, the same parts in the following embodiments will be given the same reference numerals, and duplicated descriptions will be omitted.

[1. Overview of information processing method]
First, an overview of a providing method and a presentation method performed by a server device, which is an example of a providing device and a presentation device according to an embodiment, will be described with reference to Fig. 1. Fig. 1 is an explanatory diagram showing an overview of an information processing system according to an embodiment. Note that Fig. 1 uses as an example a case in which a normal account and a limited-use account, in which a use and a beneficiary can be arbitrarily specified, are managed as electronic money accounts in a payment application.

As shown in FIG. 1, the information processing system 1 includes a terminal device 100 and a server device 10. The terminal device 100 and the server device 10 are connected to each other via a network N (see FIG. 3) so as to be able to communicate with each other via a wired or wireless connection. In this embodiment, the terminal device 100 cooperates with the server device 10. Note that the information processing system 1 may include any number of terminal devices 100 and server devices 10.

The terminal device 100 is a smart device such as a smartphone or tablet terminal used by a user U, and is a mobile terminal device capable of communicating with any server device via a wireless communication network such as 4G (Generation) or LTE (Long Term Evolution). The terminal device 100 has a screen such as a liquid crystal display with a touch panel function, and accepts various operations on displayed data such as content, such as tapping, sliding, scrolling, etc., performed by the user U with a finger or a stylus. An operation performed on an area of the screen where the content is displayed may be considered to be an operation on the content. The terminal device 100 may be not only a smart device, but also an information processing device such as a desktop PC (Personal Computer) or a notebook PC.

The server device 10 is an information processing device that provides an electronic payment service related to payment (electronic payment) using the terminal device 100 as a payment server, and can be realized by, for example, a server device or a cloud system. For example, when the server device 10 acquires user identification information, which is identification information of user U displayed on the terminal device 100 of user U, from a store terminal that has read the user identification information, store identification information that identifies the store, and payment details, or when the server device 10 acquires user identification information, store identification information, and payment details from the terminal device 100 that has read the store identification information, the server device 10 has a payment processing function that transfers electronic money according to the payment details from the account of user U indicated by the user identification information to the account indicated by the store identification information, based on the payment details.

1-1. Payment using terminal device 100
Here, prior to the information processing according to the embodiment, an example of payment (electronic payment) using the terminal device 100 will be described. In the following description, an example will be described in which a user U makes a payment using the terminal device 100 using a two-dimensional code (QR code (registered trademark)) arranged in store A, which indicates store identification information for identifying store A, but the embodiment is not limited to this. The example of payment described below can also be applied to a case in which an arbitrary user makes a payment at an arbitrary store using an arbitrary terminal device 100. In addition, the store identification information may be not only a QR code (registered trademark), but also a barcode, a predetermined mark, a number, or the like.

For example, when user U makes a payment for the use or purchase of a payment object (transaction object) such as various products or services at store A, user U launches a payment application (payment app) installed on terminal device 100. User U then photographs the store identification information installed at store A via the payment app. In such a case, terminal device 100 displays a screen for inputting the price of the payment object, and accepts input of the payment amount from user U or store clerk M of store A. Terminal device 100 then transmits to server device 10 the user identification information that identifies user U, store identification information (or information indicated by the store identification information, i.e., information indicating store A (e.g., store ID)), and payment information indicating the payment amount.

In such a case, the server device 10 transfers electronic money in the amount indicated by the payment amount from the account of user U indicated by the user identification information to the account of store A indicated by the store identification information. The server device 10 then sends a notification to the terminal device 100 that the payment has been completed. In such a case, the terminal device 100 notifies that the payment has been made with electronic money by outputting a screen or a specified sound indicating that the payment has been completed.

Note that the payment using the terminal device 100 is not limited to the above-mentioned process. For example, the payment using the terminal device 100 may be made using a store terminal installed in store A. For example, the terminal device 100 displays user identification information for identifying user U on a screen. In such a case, the store terminal installed in store A reads the user identification information displayed on the terminal device 100 and transmits payment information indicating the user identification information (or information indicated by the user identification information, i.e., information indicating user U (e.g., user ID)), the payment amount, and information identifying store A to the server device 10. In such a case, the server device 10 transfers electronic money in an amount indicated by the payment amount from the account of user U indicated by the user identification information to the account of store A, and may notify the store terminal of store A or the terminal device 100 that the payment has been completed by outputting a screen or a predetermined sound indicating that the payment has been completed.

Furthermore, payment using the terminal device 100 may not only be a process of transferring electronic money from an account to which user U has previously charged electronic money to store A's account, but may also be, for example, a payment using a credit card that user U has previously registered. In such a case, for example, the terminal device 100 may transfer electronic money of the payment amount to store A's account and bill the management company of user U's credit card for the payment amount.

In this way, when making a payment using the terminal device 100, the payment app withdraws electronic money equivalent to the payment amount from the user's account and manages it as sales information for the affiliated store (different from deposits into the affiliated store account). In addition, at a specified time, based on the sales information, cash is deposited into the affiliated store's bank account in an amount equal to the sales minus a management fee. Note that electronic money may be deposited from the user's account into the affiliated store's electronic money account managed by the affiliated store, and the fee may be obtained from the affiliated store account managed by the affiliated store at the time of deposit or at a specified time.

The above-mentioned payment means and payment services are not limited to those for providing compensation for the purchase of goods or the provision of services (settlement of debts). For example, the above-mentioned payment means and payment services may have a function related to transfer between accounts held by multiple users. In other words, the above-mentioned payment means and payment services may be services that control the sending and receiving of electronic money between accounts of any owner linked to the owner of electronic money, such as a user or a store. In other words, the payment means and payment services according to the embodiment may be provided in any form as long as they are transaction means and transaction services that perform various controls for realizing the exchange of electronic money (not only various inter-account transfer controls via electronic money, but also controls related to exchanges between electronic money accounts and bank accounts, various types of claim processing such as installments and processing associated with bonus payments, and various types of controls related to the exchange of assets including electronic money).

The various controls realized by such transaction means and transaction services may include both payment control and remittance control, or only one of them. In other words, a "transaction" is a concept that includes not only "payment" related to electronic money, but also "remittance" of electronic money and various other processes. In other words, the server device 10 may be an information processing device that realizes a transaction means that controls the exchange of electronic money between any owners.

For example, when transaction information is generated regarding electronic money transactions such as settlements and remittances, the server device 10 accepts from the user a choice of whether or not to receive a profit based on the transaction information, and if the user receives the profit, the server device 10 will grant the user a profit for conducting the transaction. In addition, if the user does not receive the profit, the server device 10 will grant the user a more favorable profit based on the user's behavior in the transaction service.

[1-2. Limited-purpose accounts]
In this embodiment, the server device 10 manages, for each target user, separate electronic money accounts that can be used for electronic payments in the payment app: an account for normal electronic payments that does not limit the purpose of use (normal account) and an account for electronic payments that is limited to a specified purpose of use (limited-purpose account). The server device 10 also manages the limited-purpose accounts by purpose. Therefore, there are as many limited-purpose accounts as there are specified purposes. In other words, the server device 10 manages a normal account for each user, and also manages multiple limited-purpose accounts prepared for each purpose of use.

The limited-use account may be an electronic money account that can be used for payments only at a specified store or facility, or an electronic money account that can be used for payments only for specified products or services. Conversely, the limited-use account may be an electronic money account that cannot be used for payments at a specified store or facility, or an electronic money account that cannot be used for payments for specified products or services.

The server device 10 will realize the payment by appropriately using the electronic money charged to the normal account or the limited-use account described above. For example, if the payment amount is 1000 yen and 2000 yen has been charged to the normal account, the server device 10 will make the payment using only the electronic money charged to the normal account. Also, if the payment amount is 1000 yen but only 200 yen has been charged to the normal account and 1000 yen has been charged to an available limited-use account, the server device 10 may realize the payment using the 200 yen from the normal account and the 800 yen from the limited-use account, or the 1000 yen from the limited-use account.

[1-3. Benefits provided to users]
Here, in the payment process realized by the above-mentioned server device 10, various benefits may be provided to the user upon the payment being made. For example, in such a payment process, points may be given in an amount corresponding to the payment amount (e.g., 2% of the payment) that can be used for payment at a predetermined rate (e.g., 1 point = 1 yen) at the time of payment. In addition, in the payment process, a lottery may be held at the time of payment, and a large amount of points may be provided when a lottery is won. Such points are provided to the user as points that can be used when a predetermined period (e.g., 1 month) has passed since the payment, not at the time of payment. In addition, in the payment process, when a user makes a payment a predetermined number of times or more within a predetermined period, or when the total payment amount within a predetermined period exceeds a predetermined threshold, more points than usual may be provided as bonus points.

The server device 10 may also grant points with limited uses. For example, points that can only be used in payments at a specific store, points that can only be used in payments to purchase a specific transaction object, points that can only be used within a specific period of time, points that cannot be transferred to others, points that cannot be used in payments for bills such as water bills that are electronically delivered, etc.

Such points are charged to a points account (points wallet), but may be deposited into a normal account similar to electronic money, or into a limited-use account. Furthermore, points accounts may include accounts into which points that are used preferentially, such as normal accounts, are charged, and accounts into which points with limited uses, such as limited-use accounts, are charged.

The server device 10 automatically determines the electronic money and points to be used at the time of payment based on the restrictions placed on such points, the balance of each account, the usage priority preset for each account, etc., and realizes the payment using the determined electronic money and points. For example, if the user has set the priority of using points, the server device 10 automatically performs a process in which part of the payment amount is paid using all points owned by the user, and the remaining balance is paid with electronic money charged to the user's regular account or limited-use account.

In addition to the points mentioned above, the server device 10 may provide the user with electronic money in a cashback campaign or the like as a benefit. In this way, the server device 10 may provide the user with a benefit that can be applied to all or part of the payment amount at the time of payment, and that is provided after a predetermined period of time has passed since the user made the payment (i.e., the benefit can be used by the user after a predetermined period of time has passed since the payment) in any manner.

1-4. Overview of the process executed by the server device 10
Here, the server device 10 performs the following process in order to improve the convenience of the user with regard to the use of benefits such as points.

For example, when the server device 10 receives payment information indicating a payment made using a terminal device, it executes a payment process according to the payment information and, when the payment is completed, presents to the user the details of the benefit to be provided to the user after a predetermined period of time has elapsed as a result of the payment. Then, when the server device 10 receives a designation of the purpose of use of the benefit, if a benefit is to be provided, it executes a provision process to provide the benefit according to the accepted purpose of use.

When the server device 10 receives payment information indicating a payment made using a terminal device, the server device 10 executes a payment process according to the payment information and selects candidate uses of the benefits to be provided to the user after a specified period of time based on the content of the payment. The server device 10 then executes a presentation process to present to the user the content of the benefits to be provided to the user after a specified period of time through the payment and the selected candidate uses when the payment is completed.

An example of the provision process and the presentation process will be described below with reference to FIG. 1. For example, a user U using the terminal device 100 starts a specific application and captures a QR code C1 placed in store A. Here, the QR code C1 is a QR code indicating store identification information for identifying store A. In such a case, the terminal device 100 acquires the store identification information from the QR code C1 (step S1).

Then, the terminal device 100 accepts input of the payment amount from the user U. The terminal device 100 then transmits user identification information that identifies the user U, store identification information, and payment information indicating the payment amount to the server device 10 (step S2). In such a case, the server device 10 executes a payment process based on the payment information (step S3). For example, the server device 10 transfers electronic money equivalent to the payment amount from an account linked to the user identification information to an account indicated by the store identification information.

Then, the server device 10 specifies the content of the benefit to be provided by the payment (step S4). For example, the server device 10 may specify points equivalent to a predetermined percentage of the payment amount as the benefit. The server device 10 may also perform a lottery and specify points to be awarded to the user as a bonus if the user wins as the benefit.

The server device 10 then selects candidate uses of the profits based on the payment history (step S5). For example, the server device 10 selects a candidate use purpose that the user is likely to select based on the payment history from among various candidate uses, such as whether to charge the points provided as profits to a regular account, save them, use them in various investments, or donate them. Details of this selection process will be described later.

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

In such a case, the server device 10 stores the benefit to be provided to the user at a later date in association with the specified purpose of use. When providing the benefit to the user, the server device 10 provides the benefit to the user according to the specified purpose of use (step S8).

1 shows an example of a process of granting a user a benefit such as points in a process (hereinafter collectively referred to as "user scan") in which the terminal device 100 reads a QR code installed in a store and performs a payment triggered by acquiring payment information from the terminal device 100. However, the embodiment is not limited to this. For example, the server device 10 may provide a user with a benefit such as points in a process (hereinafter collectively referred to as "store scan") in which a store terminal installed in a store reads user identification information displayed on the terminal device 100 and performs a payment triggered by acquiring payment information from the store terminal. In the case of such a store scan, the server device 10 notifies the store terminal that the payment has been completed upon completion of the payment, and provides the terminal device 100 linked to the user identification information included in the payment information with content for accepting the designation of the purpose of use together with the notification of the completion of the payment, and later grants points to the user linked to the user identification information.

[1-5. Provision processing]
Next, a specific example of the provision process executed by the server device 10 will be described. Note that the specific example shown below is merely an example, and the server device 10 may provide points for any purpose of use as long as the purpose of use can be set in advance by the user.

For example, if a large amount of points are offered in a lottery held at the time of payment, the user may wish to save the points without using them. Therefore, if the user specifies at the time of payment that the profits are to be saved without being used, the server device 10 may provide the profits as a target to be saved until the user specifies that they will be used. For example, the server device 10 may create a limited-purpose account to which points that will not be used unless specified by the user are charged, and charge the points to the limited-purpose account. The points charged to such a limited-purpose account will be used for payment if the user specifies at the time of payment that the points charged to the limited-purpose account will be used, and may not be automatically applied to payment.

For example, a user may wish to accumulate points to purchase a high-priced item such as a television. Thus, if the user specifies at the time of payment that the profits be used to purchase a specified payment object, the server device 10 provides the profits as an object to be used when the user purchases the specified payment object. To give a more specific example, when providing points, the server device 10 charges the points to a limited-use account specified by the user. For example, the server device 10 may present the user with a list of limited-use accounts previously set by the user, accept a specification at the time of payment as to which limited-use account the points should be charged, and then, when the points are awarded, charge the points to the limited-use account accepted at the time of payment.

In addition, for example, a user may wish to give priority to the use of points. Thus, when the server device 10 receives a designation to give priority to the use of benefits, it provides the benefits as a target for priority use at the time of payment. For example, when providing points, the server device 10 may charge the points to the user's regular account, or may charge the points to a limited-use account to which the points to be used with the highest priority among the accounts are charged. Here, the server device 10 may perform payment by combining the points charged to the regular point account and the electronic money charged to the regular electronic money account. For example, the server device 10 may use points from the regular account for payment with priority, and if not all points are sufficient to cover the payment amount, the payment may be realized using the electronic money from the regular account.

In addition, there are cases where an operation service using points is provided. For example, the server device 10 allows the user to use the operation service provided by the operation service provider by transferring points or electronic money owned by the user to the account of the operation service provider. In such a case, the user can accept various operation services provided by the operation service (for example, purchase of various financial products such as stock investment). In this case, when the server device 10 accepts a designation from the user that profits are to be the object of operation, the server device 10 may provide profits as the object of operation. For example, at the timing of point allocation when a predetermined period has elapsed since settlement, the server device 10 may charge the points to the account of the operation service provider as a deposit from the user, rather than charging the points to various accounts of the user. Note that any mode can be adopted for the content of such operation using points. For example, the user may specify a lump-sum operation of the points, or may specify that a part of the points be operated in a first financial product and the other part be operated in a second financial product.

It is also conceivable that a user may wish to donate points to various organizations. Thus, when the server device 10 receives a designation to donate profits, it may donate the profits to a specified donation recipient. For example, the server device 10 may charge points to the account of a donation recipient designated by the user, or a donation recipient selected according to a specified rule. At this time, the server device 10 may, for example, estimate a donation recipient to which the user is likely to wish to donate based on the user's purchase history or donation history, and charge the account of the estimated donation recipient, or may display a message encouraging the user to donate to the estimated donation recipient at the time of payment.

In addition to the above-mentioned purposes, the server device 10 may accept any designation of purpose of use of points provided to a user after a predetermined period of time has passed since payment. For example, when the server device 10 accepts a designation of saving to purchase a product sold in an online shopping mall, the server device 10 may charge points to an account previously linked to the product. In such a case, when the sum of the amount of points charged to the account and the amount of electronic money charged to an account linked to the same product exceeds the price of the product, the server device 10 may notify the user that the product is available for purchase, and if the user approves the purchase, the server device 10 may use these points and electronic money to purchase the product. In addition, when the server device 10 accepts a designation of saving for a down payment to purchase a vehicle, the server device 10 may charge points to an account for this purpose.

Note that points are awarded to a user a specified period of time after the user makes a payment, but depending on the content of the payment, points may not be awarded to the user. For example, if the entire payment amount is applied with points at the time of payment, the user may not be awarded points for that payment. In such a case, the server device 10 may only notify the user that the payment has been completed, and may not accept a selection of the purpose of use, or may not award points. Also, for example, if part of the payment is applied with points and the remainder is applied with electronic money, the user may be asked to specify the purpose of use for only the amount of points applied with electronic money.

The server device 10 may accept a designation of the purpose of use each time a payment is made and points are awarded to the user as a result of that payment. The server device 10 may also accept a designation of the purpose of use from the user for each content of the payment. For example, when the server device 10 accepts a designation that points awarded as a result of a payment at a specified store are to be managed, the server device 10 may automatically manage the points as a managed item without accepting a designation of the purpose of use each time a payment is made at that store. When the server device 10 accepts a designation that points of a predetermined amount or more are to be managed, the server device 10 may automatically manage the points as a managed item if the points are equal to or greater than the predetermined amount, without accepting a designation of the purpose of use each time a payment is made.

The server device 10 may also accept a designation of a purpose of use that is valid for a specified period of time. For example, when a user designates points as the target of the investment, the server device 10 may automatically designate points as the target of the investment for a specified period of time after the designation is made, without having to designate a purpose of use each time a payment is made.

In addition to the above, the server device 10 may award points according to a purpose of use that the user has set in advance in association with the purchase conditions when certain purchase conditions set by the user are met. In other words, when the server device 10 receives a pair of purchase conditions and purpose of use of points from a user, when certain purchase conditions are met, the server device 10 may automatically award points to the user for the purpose of use that is associated with the purchase conditions.

[1-6. Presentation process]
Here, it is considered to be troublesome for the user to select the purpose of use each time a payment is made. Therefore, the server device 10 may estimate the purpose of use that the user is likely to select based on the content of the payment, and provide the user with content for accepting the setting of the estimated purpose of use.

For example, if a user wins a lottery or the like, there is a high possibility that the user will want to save or invest the points. Therefore, if the user wins a lottery or the amount of points exceeds a predetermined threshold at the time of payment, the server device 10 may present content for accepting point savings or content for accepting designation of an investment target. In addition to this, the server device 10 may select as candidates a purpose of use that the user is likely to select depending on the attributes of the user who made the payment, the payment amount, the store where the payment was made, the payment target, the payment date and time, etc., and provide the user with content for accepting the setting of the selected purpose of use.

Here, the server device 10 selects candidate purpose of use based on various histories in order to select as candidates those purpose of use that are likely to be selected by the user. For example, the server device 10 may select candidate purpose of use based on the history of purpose of use specified by the user who made the payment. For example, if the user selected to save points in the last 10 payments, the server device 10 may select the purpose of use of saving points as a candidate purpose of use. In addition, the server device 10 may select candidate purpose of use based on the history of purpose of use specified by other users who have similar attributes to the user. To give a more specific example, the server device 10 may select as a candidate purpose of use the purpose selected by the most users or the purpose selected most frequently among the purposes of use selected by users with similar attributes to the user who made the payment.

The server device 10 may also select as candidates the purpose of use that is most frequently selected during the time period when the payment is made, or may select as candidates the purpose of use that is most frequently selected at the store where the payment is made, or when a similar payment amount or a similar amount of points is awarded. The server device 10 may also select the purpose of use as candidates depending on the profit situation, such as the remaining amount of points available to the user when the payment is made. For example, the server device 10 may select "savings" as a candidate purpose of use when the difference between the total amount of saved points and the target amount is below a predetermined threshold, or may select "purchase of the product" as a candidate purpose of use when the difference between the points in a limited-purpose account for purchasing a specific product and the price of the product is below a predetermined threshold.

In other words, the server device 10 learns the relationship between the content of the payment and the purpose of use specified at the time of the payment, and selects a candidate purpose of use based on the learned relationship. The server device 10 may also select a purpose of use based on the relationship between multiple pieces of information among the various pieces of information related to the payment described above (payment amount, payment destination, payment object, amount of points to be awarded, user attributes, time period, point status at the time of payment, etc.) and the specified purpose of use.

The server device 10 may also provide content that selects multiple candidates for the purpose of use and presents the selected candidates in an order. In this case, the server device 10 may select a predetermined number of candidates in order of the likelihood that the user will select them, and provide content that arranges the selected candidates in order of the likelihood that the user will select them.

For example, FIG. 2 is a diagram showing an example of candidate usage purposes presented in content provided by a server device. FIG. 2 shows an example of content C10 presented to a first user and content C20 presented to a second user.

For example, contents C10 and C20 include the store where the payment was made, the payment amount, and the fact that the payment has been completed. Contents C10 and C20 also include point content C11 indicating the amount of points to be provided to the user at a later date as a result of the payment. Here, the server device 10 assumes that, based on the history of the purpose of use specified by the first user and the content of the payment, the first user is most likely to save points, the first user is second most likely to use points for payment, and the first user is third most likely to use points for investment. In such a case, the server device 10 provides content C10 in which designated content C12, designated content C13, and designated content C14 are arranged in the order of content C12, content C13, and content C14, as shown in content C10 in FIG. 2.

On the other hand, the server device 10 may estimate, based on the history of the purpose of use specified by the second user and the content of the payment, that the second user is most likely to use the points for payment, that the second user is second most likely to save the points, and that the second user is third most likely to invest the points. In such a case, the server device 10 provides content C10 in which contents C12 to C14 are arranged in the order of content C13, content C12, and content C14, as shown in content C20 in FIG. 2.

The server device 10 may display the candidate purposes of use in order according to the content of the payment. For example, the server device 10 may display the purposes of use in order according to the payment amount, the timing of the payment, or the like. More specifically, the server device 10 may display the purposes of use specified by all users when making payments of similar content in order of the number of times they were specified. The server device 10 may also display the purposes of use in order according to the content of the benefit provided to the user after a predetermined period of time has passed through the payment. For example, the server device 10 may display the purposes of use specified by all users when points of similar amounts are awarded in order of the number of times they were specified. The server device 10 may also display the purposes of use in order according to the content of the campaign being offered when the payment was made. For example, the server device 10 may display the purposes of use specified by all users when similar campaigns are being held in order of the number of times they were specified.

In addition, the server device 10 may display, in a predetermined order, purpose of use that is set based on rules in accordance with various payment contexts, such as the content of the payment or campaigns taking place at the time of the payment, rather than the selection history of each user. In other words, the server device 10 may change the purpose of use that is selected to be presented to the user in accordance with the payment context, and may change the order in which the selected purpose of use is displayed in accordance with the payment context.

2. Example of Server Device Configuration
Next, the configuration of the server device 10 according to the embodiment will be described with reference to Fig. 3. Fig. 3 is a diagram showing an example of the configuration of the server device according to the embodiment. As shown in Fig. 3, the server device 10 includes a communication unit 20, a storage unit 30, and a control unit 40.

The communication unit 20 is realized, for example, by a network interface card (NIC). The communication unit 20 is also connected to the network N by wire or wirelessly, and controls communication between the terminal device 100 and the server device 10.

The storage unit 30 is realized, for example, by a semiconductor memory element such as a random access memory (RAM) or a flash memory, or a storage device such as a HDD, SSD, or optical disk. As shown in FIG. 3, the storage unit 30 has an account database 31, a user information database 32, and a profit database 33.

Information on various accounts is registered in the account database 31. For example, FIG. 4 is a diagram showing an example of an account database. As shown in FIG. 4, the account database 31 has items such as "wallet ID (identifier)," "identification information," "balance," and "type information." "Wallet ID" is information for identifying an account. Furthermore, "identification information" is user identification information or store identification information linked to the account. "Balance" is information indicating the remaining amount of electronic money or points charged to the account. "Type information" is information indicating whether the account is a normal account, whether it is a limited-purpose account, the purpose of use, etc.

For example, in the example shown in FIG. 4, the account indicated by the wallet ID "WID#1" is the account of the user indicated by the identification information "UID#1", the balance is "2000 yen", and the identification information indicates that the account is a "main" account, i.e., a regular account. In addition to the information shown in FIG. 3, the account database 31 may further include an item indicating, for example, whether the amount charged to the account is electronic money or points.

Various information related to the user's purchasing history is registered in the user information database 32. For example, FIG. 5 is a diagram showing an example of the user information database. As shown in FIG. 5, the user information database 32 has items such as "identification information," "purchase history," and "selection history." "Identification information" is user identification information. "Purchase history" is information indicating the history of payments made by the user indicated by the associated user identification information, such as information indicating the date and time of payment, the payment amount, the store where the payment was made, etc. "Selection history" is information indicating the purpose of using points selected by the user when the payment indicated by the associated "purchase history" was made.

For example, in the example shown in FIG. 5, when the user indicated by the identification information "UID#1" made the payment indicated by the purchase history "Purchase History #1-1", it indicates that the user specified the purpose of use indicated by the selection history "Purpose of Use #1-1" as the purpose of use of points to be provided at a later date. Note that in addition to the information shown in FIG. 5, various other arbitrary information may be registered in the user information database 32.

The benefit database 33 stores the content of the benefit to be provided to the user in the future in association with the purpose of use of the benefit specified by the user. For example, FIG. 6 shows an example of a benefit database. As shown in FIG. 6, the benefit database 33 has items such as "benefit ID," "identification information," "benefit content," "purpose of use," and "scheduled date and time of provision."

"Benefit ID" is identification information for identifying a benefit to be provided to a user at a later date. "Identification information" is user identification information of the user to whom the benefit will be provided. "Benefit content" is the content of the benefit to be provided at a later date, for example, the amount of points. "Purpose of use" is the purpose of use selected by the user for the associated benefit. Furthermore, "Scheduled date and time of provision" is the date and time when the associated benefit will be provided.

For example, in the example shown in FIG. 6, the benefit indicated by benefit ID "BID#1" is provided to the user indicated by identification information "UID#1", and is the amount of points indicated by benefit content "243". Also, in the example shown in FIG. 6, for the benefit indicated by benefit ID "BID#1", the user has specified the purpose of use "savings", and the benefit provision date and time is the scheduled provision date and time "date and time #1". In addition to the information shown in FIG. 6, the benefit database 33 may further register, in association with the payment ID of the payment that triggered the provision of the benefit, for example.

(Control unit 40)
Returning to Fig. 3, the description will be continued. The control unit 40 is a controller, and is realized by, for example, a central processing unit (CPU), a micro processing unit (MPU), an application specific integrated circuit (ASIC), a field programmable gate array (FPGA), or the like, executing various programs (corresponding to an example of an information processing program) stored in a storage device inside the server device 10 using a storage area such as a RAM as a working area. In the example shown in Fig. 3, the control unit 40 has a payment processing unit 41, a specification unit 42, a selection unit 43, a presentation unit 44, a reception unit 45, and a provision unit 46.

When the payment processing unit 41 receives payment information indicating a payment made using a terminal device used by the user, it executes payment processing according to the payment information. For example, the payment processing unit 41 receives, as payment information, user identification information that identifies the user, payment destination identification information that indicates the payment destination, and the payment amount from the terminal device 100 or the store terminal. In such a case, the payment processing unit 41 refers to the account database 31, and transfers the electronic money or points in the account linked to the user identification information, of the electronic money or points for the payment amount received as the payment information, to the account linked to the payment destination identification information. Then, when the payment is completed normally, the payment processing unit 41 notifies the terminal device 100 or the store terminal that the payment is completed. On the other hand, when the payment is not completed normally due to insufficient balance, etc., the payment processing unit 41 notifies that fact.

The determination unit 42 determines the content of the benefit to be granted to the user at a later date in response to the payment. For example, the determination unit 42 determines the amount of points to be granted to the user at a later date based on the payment amount, user information, etc. Note that, in the case where additional points are to be granted to the user through a lottery, campaign, etc., for example, the determination unit 42 also determines the amount of such points.

The selection unit 43 selects candidate purposes of use for the profit to be provided to the user after a specified period of time based on the content of the payment. For example, the selection unit 43 may refer to the user information database 32 and select the candidate purposes of use based on the history of the user's designation of the purposes of use. The selection unit 43 may also select candidate purposes of use based on the content of the payment and its relationship with the purpose of use designated at the time of payment. Specifically, the selection unit 43 may select candidate purposes of use based on the relationship between at least one of the payment content, the payment amount, the payment destination, the payment object, or the profit status at the time of payment, and the designated purpose of use as the content of the payment.

Here, the selection unit 43 may select multiple candidate purposes of use. For example, the selection unit 43 may select a predetermined number of candidate purposes of use in order of the purpose most likely to be selected by the user. In addition to these processes, the selection unit 43 may select one or more candidate purposes of use that are estimated to be most likely to be selected by the user according to various payment contexts.

The presentation unit 44 presents to the user the content of the benefit to be provided to the user after a specified period of time has elapsed as a result of the payment when the payment is completed. The presentation unit 44 also presents to the user the selected candidate purpose of use together with the content of the benefit to be provided to the user after a specified period of time has elapsed as a result of the payment when the payment is completed. For example, the presentation unit 44 transmits the contents C10 and C20 shown in FIG. 2 to the terminal device 100 when the payment is completed, and causes them to be displayed.

Here, when multiple candidate purpose of use are selected, the presentation unit 44 may display the candidate purpose of use in order of the one most likely to be selected by the user. Furthermore, the presentation unit 44 may display the candidate purpose of use in order according to the content of the payment, such as the payment amount in the payment that triggered the profit. Furthermore, the presentation unit 44 may display the candidate purpose of use in order according to the content of the profit, such as the amount of points. Furthermore, the presentation unit 44 may display the candidate purpose of use in order according to the content of the campaign being offered at the time the payment was made.

The reception unit 45 receives the designation of the purpose of use of the profits. For example, the reception unit 45 acquires information indicating the purpose of use selected by the user via the contents C10 and C20 from the terminal device 100. Here, when the user designates donation as the purpose of use, the reception unit 45 may transmit information indicating potential donation recipients to the terminal device 100 and further receive the designation of the donation recipient via such information. The reception unit 45 then associates the designated purpose of use with the profit for which such purpose of use is designated, and registers them in the profit database 33.

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

For example, when the providing unit 46 receives a designation to save the profits without using them, the providing unit 46 provides the profits as a target to be saved until the user designates to use them. For example, the providing unit 46 charges the points to a limited-purpose savings account that is not used for payment (for example, is not automatically used when the balance in a regular account is insufficient) until the user designates to do so.

When the provision unit 46 receives a designation to use the profits to purchase a specific payment object, the provision unit 46 provides the profits in a form to be used when the user purchases the specific payment object. For example, the provision unit 46 charges the points to a limited-purpose account for purchasing the specific payment object designated by the user.

When the providing unit 46 receives a designation to use the profits preferentially, the providing unit 46 provides the profits as a target to be used preferentially at the time of settlement. For example, the providing unit 46 charges points to a regular account or an account that is automatically used when the balance in the regular account is insufficient.

Furthermore, when the providing unit 46 receives a designation that the profit is to be the investment target, the providing unit 46 provides the profit as the investment target. For example, the providing unit 46 may charge points to the account of the business providing the operation service, or may discard the points and perform a deposit process for the points from the payment business to the business providing the operation service.

Furthermore, when the provision unit 46 receives a designation to donate the profits, it donates the profits to a specified donation recipient. For example, the provision unit 46 may charge points to the account of the donation recipient selected by the user and notify the user of this fact.

As described above, the providing unit 46 may execute the process of charging or depositing points so that the points are used for the purpose specified by the user. When executing such a process, the providing unit 46 may charge points to any account in order to achieve any purpose. For example, the providing unit 46 may charge points to the account of another user selected by the user.

The providing unit 46 may not provide any benefit such as points if the user's payment does not generate any benefit. Furthermore, if the user does not select a purpose of use, the providing unit 46 may charge points to a predefined account such as a regular account, or may charge points according to a purpose of use that is estimated to be highly likely to be specified by the user depending on the payment details, etc.

3. Processing Procedure
Next, a process procedure performed by the server device 10 according to the embodiment will be described with reference to Fig. 7. Fig. 7 is a flowchart showing the flow of a process according to the embodiment.

For example, the server device 10 determines whether or not payment information has been accepted (step S101), and if payment information has been accepted (step S101: Yes), executes payment processing (step S102). Next, the server device 10 identifies the benefit to be provided in association with the payment (step S103). Then, the server device 10 selects candidate uses of the benefit (step S104), and provides the candidate uses of the benefit and the content of the benefit (step S105). Next, the server device 10 determines whether or not a use purpose has been accepted (step S106), and if accepted (step S106: Yes), links the benefit to the use purpose (step S107). On the other hand, if the use purpose has not been accepted (step S106: No), the server device 10 skips step S107.

Then, the server device 10 determines whether it is time to provide the benefit (step S108), and if it is not time to provide the benefit (step S108: No), executes step S101. Note that if the server device 10 has not accepted the payment information (step S101: No), executes step S108. Then, if it is time to provide the benefit (step S108: Yes), the server device 10 provides the benefit to the user as the benefit for the linked purpose of use (step S109), and ends the process.

4. Modifications
The above-described server device 10 may be implemented in various different forms other than the above-described embodiment. Therefore, modifications of the embodiment will be described below.

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

5. Effects
As described above, when the server device 10 according to the present application receives payment information indicating a payment made using the terminal device 100 used by the user, it executes a payment process according to the payment information, presents to the user the content of the benefit to be provided to the user after a predetermined period of time has elapsed as a result of the payment upon completion of the payment, receives a designation of the purpose of use of the benefit, and, when providing the benefit, provides the benefit according to the accepted purpose of use. As a result of such processing, in cases where the server device 10 provides the user with more benefit than expected in a lottery or the like after a predetermined period of time has elapsed since the payment, it is possible to improve convenience in payment since it is possible to have the user designate the purpose of use in advance.

For example, when the server device 10 receives a designation to save the profits without using them, the server device 10 provides the profits as a target to be saved until the user designates that the profits will be used. Also, for example, when the server device 10 receives a designation to use the profits to purchase a specific payment object, the server device 10 provides the profits as a mode to be used when the user purchases the specific payment object. Also, for example, when the server device 10 receives a designation to use the profits preferentially, the server device 10 provides the profits as a target to be used preferentially at the time of payment. Also, for example, when the server device 10 receives a designation to invest the profits, the server device 10 provides the profits as an investment target. Also, for example, when the server device 10 receives a designation to donate the profits, the server device 10 donates the profits as a donation target to a specific donation destination. More specifically, the server device 10 further accepts a designation of a donation destination and donates the profits as a donation target to the designated donation destination. Also, when a payment is made using only the profits already provided to the user, the server device 10 may not provide the profits.

As a result of this processing, the server device 10 can accept various objectives specified by the user and automatically provide benefits such as points to be used for the specified objectives.

When the server device 10 receives, as payment information, user identification information that identifies the user, payment destination identification information that indicates the payment destination, and the payment amount, the server device 10 transfers, from the electronic money in the account linked to the user identification information, the electronic money equivalent to the payment amount received as payment information, to the account linked to the payment destination identification information. Thus, the server device 10 can realize payment using the user's terminal device and provide benefits such as points according to the user's purpose.

When the server device 10 receives payment information indicating a payment made using the terminal device 100 used by the user, the server device 10 executes a payment process according to the payment information, selects candidate uses of the benefit to be provided to the user after a specified period based on the content of the payment, and presents the content of the benefit to be provided to the user after the specified period through the payment and the selected candidate uses to the user at the time of completion of the payment. When the server device 10 receives a designation of the purpose of use of the payment and provides a benefit, the benefit is provided according to the accepted purpose of use. As a result of such processing, the server device 10 can display appropriate candidates to the user when selecting a benefit such as points to be provided at a later date, and allow the user to specify the purpose.

The server device 10 also selects candidate purposes of use based on the history of designated purposes of use. For example, the server device 10 selects candidate purposes of use based on the content of the payment and its relationship with the purpose of use designated at the time of payment. For example, the server device 10 also selects candidate purposes of use based on the relationship between the content of the payment, which is at least one of the payment amount, payment destination, payment object, or profit status at the time of payment, and the designated purpose of use. For this reason, the server device 10 can present candidate purposes of use that are likely to be designated by the user.

The server device 10 also selects multiple candidate purpose of use and presents the selected multiple candidate purpose of use in an order. For example, the server device 10 selects a predetermined number of candidate purpose of use in order of the likelihood that the user will select them, and displays the candidate purpose of use in order of the likelihood. This allows the server device 10 to reduce the effort required when selecting a purpose of use.

The server device 10 may also display the selected multiple candidate purposes of use in an order according to the content of the payment. The server device 10 may also display the selected multiple candidate purposes of use in an order according to the content of the benefit to be provided to the user after a predetermined period of time has elapsed as a result of the payment. The server device 10 may also display the selected multiple candidate purposes of use in an order according to the content of the campaign being offered at the time the payment was made. As a result of such processing, the server device 10 can preferentially present candidate purposes of use that are likely to be selected by the user depending on various situations.

6. Hardware Configuration
The server device 10 according to the embodiment described above is realized by a computer 1000 having a configuration as shown in Fig. 8, for example. Fig. 8 is a diagram showing an example of a hardware configuration. The computer 1000 is connected to an output device 1010 and an input device 1020, and has a configuration in which a calculation device 1030, a primary storage device 1040, a secondary storage device 1050, an output I/F (Interface) 1060, an input I/F 1070, and a network I/F 1080 are connected by a bus 1090.

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 the like, and executes various processes. The arithmetic device 1030 is realized, for example, by a CPU (Central Processing Unit), an MPU (Micro Processing Unit), an ASIC (Application Specific Integrated Circuit), an FPGA (Field Programmable Gate Array), or the like.

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

The output I/F 1060 is an interface for transmitting information to be output to an output device 1010 that outputs various types of information, such as a display, projector, printer, etc., and is realized by a connector conforming to a standard such as USB (Universal Serial Bus), DVI (Digital Visual Interface), or HDMI (registered trademark) (High Definition Multimedia Interface). The input I/F 1070 is an interface for receiving information from various input devices 1020, such as a mouse, keyboard, keypad, button, scanner, etc., and is realized by a USB, etc.

In addition, the output I/F 1060 and the input I/F 1070 may be wirelessly connected to the output device 1010 and the input device 1020, respectively. That is, the output device 1010 and the input device 1020 may be wireless devices.

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

The input device 1020 may be a device that reads information from, 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), a tape medium, a magnetic recording medium, or a semiconductor memory.

The network I/F 1080 receives data from other devices via the network N and sends it to the computing device 1030, and also transmits data generated by the computing device 1030 to other devices via the network N.

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

For example, when the computer 1000 functions as the server device 10, the arithmetic unit 1030 of the computer 1000 executes a program loaded onto the primary storage device 1040 to realize the functions of the control unit 130. The arithmetic unit 1030 of the computer 1000 may also load a program acquired from another device via the network I/F 1080 onto the primary storage device 1040 and execute the loaded program. The arithmetic unit 1030 of the computer 1000 may also cooperate with other devices via the network I/F 1080 and use the functions and data of a program by calling them from other programs of the other devices.

[7. Other]
Although the embodiments of the present application have been described above, the present invention is not limited to the contents of these embodiments. The above-described components include those that can be easily imagined by a person skilled in the art, those that are substantially the same, and those that are within the so-called equivalent range. Furthermore, the above-described components can be appropriately combined. Furthermore, various omissions, substitutions, or modifications of the components can be made without departing from the scope of the gist of the above-described embodiments.

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

In addition, each component of each device shown in the figure is a functional concept, and does not necessarily have to be physically configured as shown in the figure. In other words, the specific form of distribution and integration of each device is not limited to that shown in the figure, and all or part of them can be functionally or physically distributed and integrated in any unit depending on various loads, usage conditions, etc.

For example, the server device 10 described above may be realized by multiple server computers, and depending on the functions, the configuration can be flexibly changed, such as by calling an external platform using an API (Application Programming Interface) or network computing.

The above-described embodiments and variations can be combined as appropriate to the extent that they do not cause inconsistencies in the processing content.

The above-mentioned "section, module, unit" can be read as "means" or "circuit." For example, an acquisition unit can be read as an acquisition means or an acquisition circuit.

REFERENCE SIGNS LIST 1 Information processing system 10 Server device 20 Communication unit 30 Storage unit 31 Account database 32 User information database 33 Profit database 40 Control unit 41 Settlement processing unit 42 Identification unit 43 Selection unit 44 Presentation unit 45 Acceptance unit 46 Provision unit 100 Terminal device

Claims (12)

a payment control unit that, when payment information indicating a payment made using a terminal device used by a user is received, executes a payment process according to the payment information;
a determination unit that determines the content of the benefit to be provided to the user after a predetermined period of time has elapsed based on a result of a lottery drawn in response to the payment;
a selection unit that selects a candidate for a purpose of use of the benefit to be provided to the user after a predetermined period of time has elapsed from the payment in accordance with a payment amount in the case where the content of the identified benefit satisfies a predetermined condition;
a presentation unit that presents the specified content of the benefit and the candidate purpose of use selected by the selection unit to a user when payment is completed. The presentation device according to claim 1, characterized in that the selection unit selects a candidate purpose for using the benefit when the value of points provided to the user as the content of the benefit after a predetermined period of time has elapsed since the payment is made exceeds a predetermined threshold. The presentation device described in claim 1, characterized in that, when the identified content of the benefit satisfies a predetermined condition, the selection unit selects a predetermined purpose of use as a candidate for the purpose of use of the benefit to be provided to the user after a predetermined period of time has elapsed from the payment, in accordance with the payment amount of the payment. The presentation device according to any one of claims 1 to 3, characterized in that it comprises: a reception unit that receives a designation of a purpose of use of the benefit; and a provision unit that, when providing the benefit, provides the benefit in accordance with the purpose of use accepted by the reception unit. The presentation device according to any one of claims 1 to 3, characterized in that the selection unit selects the candidate purpose of use based on a relationship between the content of the payment, which is at least one of the payment amount, payment destination, payment object, or profit status at the time of payment, and the purpose of use selected by the user. The presentation device according to any one of claims 1 to 3, characterized in that the selection unit selects a plurality of candidates for the intended use, and the presentation unit presents the plurality of candidates for the intended use selected by the selection unit in an arranged manner. The presentation device according to claim 6, characterized in that the selection unit selects a predetermined number of the candidate purpose of use in order of the likelihood of being selected by the user, and the presentation unit displays the candidate purpose of use in order of the likelihood of being selected by the user. The presentation device according to claim 6 , wherein the presentation unit displays the plurality of candidates for the purpose of use selected by the selection unit in an order according to the content of the payment. The presentation device according to claim 6, characterized in that the presentation unit displays the multiple candidate purpose of use selected by the selection unit in an order according to the content of the benefit to be provided to the user after a specified period of time has elapsed through the payment. The presentation device according to claim 6, characterized in that the presentation unit displays the multiple candidate purpose of use selected by the selection unit in an order according to the content of a campaign being offered at the time of the payment. A presentation method executed by a presentation device, comprising:
a payment control step of executing a payment process according to the payment information when payment information indicating a payment using a terminal device used by a user is received;
a step of determining the content of a benefit to be provided to the user after a predetermined period of time has elapsed based on a result of a lottery performed in response to the payment;
a selection step of selecting a candidate for a use purpose of the benefit to be provided to the user after a predetermined period of time has elapsed from the payment in accordance with a payment amount in the case where the content of the identified benefit satisfies a predetermined condition;
a presentation step of presenting the specified content of the benefit and the candidate purpose of use selected in the selection step to the user upon completion of payment. a payment procedure for executing a payment process according to the payment information when payment information indicating a payment using a terminal device used by a user is received;
a step of determining the content of the benefit to be provided to the user after a predetermined period based on a result of a lottery performed in response to the payment;
a selection step of selecting a candidate for a use purpose of the benefit to be provided to the user after a predetermined period of time has elapsed from the payment in accordance with a payment amount in the case where the content of the identified benefit satisfies a predetermined condition;
a presentation step of presenting the specified content of the benefit and the candidate purpose of use selected by the selection step to a user upon completion of payment.

Images