JP7110270B2 - Provision device, provision method and provision program - Google Patents

Description

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

2. Description of the Related Art Conventionally, there has been known a technique for outputting predetermined content in a scene where electronic payment is made using a prepaid IC card or a terminal device. For example, a technology has been proposed in which a store terminal acquires sound data specified by a user from an IC card and outputs the acquired sound data in payment processing.

JP-A-2005-44183

However, the conventional technology described above does not always provide the user with content appropriate for payment. For example, the above-described conventional technology can only output a user's preferred payment confirmation sound, and does not necessarily provide the user with appropriate content corresponding to payment.

The present application has been made in view of the above, and an object thereof is to provide a provision device, a provision method, and a provision program for providing a user with appropriate content corresponding to payment.

A provision device according to the present application includes a detection unit that detects a payment made by a user using a predetermined payment method, and based on payment-related information related to the payment detected by the detection unit, the predetermined payment method. and a providing unit that provides the user with content that can be used in a service related to the above.

According to one aspect of the embodiment, it is possible to provide the user with appropriate content corresponding to payment.

FIG. 1 is a diagram illustrating an example of provision processing according to the embodiment. FIG. 2 is a diagram showing an example of content output in an electronic payment service. FIG. 3 is a diagram showing a configuration example of a payment server according to the embodiment. FIG. 4 is a diagram showing an example of an account database according to the embodiment. FIG. 5 is a diagram illustrating an example of a business operator information database according to the embodiment; FIG. 6 is a diagram illustrating an example of a user information database according to the embodiment; FIG. 7 is a flowchart illustrating an example of the procedure of provision processing according to the embodiment. FIG. 8 is a hardware configuration diagram showing an example of a computer that implements the functions of the settlement server.

Embodiments for implementing the provision device, the provision method, and the provision program (hereinafter referred to as "embodiments") according to the present application will be described in detail below with reference to the drawings. Note that the provision device, the provision method, and the provision program according to the present application are not limited by this embodiment. Also, in each of the following embodiments, the same parts are denoted by the same reference numerals, and overlapping descriptions are omitted.

[1. embodiment]
The providing process realized by the providing apparatus and the like of this embodiment will be described with reference to FIG. FIG. 1 is a diagram illustrating an example of provision processing according to the embodiment. Note that in FIG. 1, the provision processing and the like according to the embodiment are realized by the settlement server 10, which is an example of the provision device according to the present embodiment.

As shown in FIG. 1, the provision system 1 according to the embodiment includes a payment server 10, a user terminal 100, and a business operator terminal 200. The payment server 10, the user terminal 100, and the business terminal 200 are connected to communicate with each other by wire or wirelessly via a network N (see FIG. 3, for example). The network N is, for example, a WAN (Wide Area Network) such as the Internet. The provision system 1 shown in FIG. 1 may include a plurality of settlement servers 10, a plurality of user terminals 100, and a plurality of business operator terminals 200. FIG.

The settlement server 10 shown in FIG. 1 is an information processing device that performs provision processing, and is realized by, for example, a server device, a cloud system, or the like. For example, the payment server 10 provides content that can be used in electronic payment using the user terminal 100 .

The payment server 10 also provides an electronic payment service for electronic payment using the user terminal 100 . For example, the settlement server 10 manages the account of the provider of the transaction object and the account of the user to whom the transaction object is provided. Realize various settlements. In addition, electronic money may be, for example, points or currency used independently by various companies, or may be electronically tradable currency provided by the state such as Japanese yen and dollars. good.

A user terminal 100 shown in FIG. 1 is an information processing device used by a user. The user terminal 100 is realized by, for example, a smart phone, a tablet terminal, a notebook PC (Personal Computer), a desktop PC, a mobile phone, a PDA (Personal Digital Assistant), or the like. In addition, the user terminal 100 displays information distributed by the settlement server 10 using a web browser or application. Note that the example shown in FIG. 1 shows a case where the user terminal 100 is a smart phone.

A business operator terminal 200 shown in FIG. 1 is an information processing device used by a business operator who provides a transaction target to a user. The business terminal 200 is realized by, for example, a smart phone, a tablet terminal, a notebook PC, a desktop PC, a mobile phone, a PDA, or the like. In addition, the operator terminal 200 displays information delivered by the settlement server 10 using a web browser or an application. Note that the example shown in FIG. 1 shows a case where the business terminal 200 is a notebook PC.

When the user terminal 100 and the business operator terminal 200 receive control information for realizing predetermined information processing from the settlement server 10, the user terminal 100 and the business terminal 200 implement the information processing according to the control information. Here, the control information is described 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 predetermined application itself distributed from the settlement server 10 may be regarded as the control information.

[1-1. Payment using the user terminal 100]
Here, an example of payment (electronic payment) using the user terminal 100 will be described prior to the providing process executed by the payment server 10. FIG. In the following description, the user U uses a two-dimensional code (QR code (registered trademark)) placed at the store A and indicating the store identification information C1 for identifying the store A. An example of settlement using the user terminal 100 will be described, but the embodiment is not limited to this. An example of settlement described below is also applicable when any user uses any user terminal 100 to make a payment at any store. Moreover, the store identification information C1 may be not only a QR code (registered trademark) but also a bar code, a predetermined mark, a number, or the like.

For example, when the user U uses or purchases payment objects (transaction objects) such as various products and services at the store A, the user U uses a payment application installed in the user terminal 100 in advance. Start the application (hereinafter sometimes simply referred to as "payment application"). Then, the user U photographs the store identification information C1 installed in the store A via the payment application. In such a case, the user terminal 100 displays a screen for inputting the price to be settled, and accepts the input of the payment amount from the user U or the salesclerk at the store A. FIG. Then, the user terminal 100 stores user identification information that identifies the user U, and store identification information C1 (or information indicated by the store identification information C1, that is, information indicating the store A (eg, store ID)). , and the settlement amount are sent to the settlement server 10 .

In such a case, the settlement server 10 transfers the amount of electronic money indicated by the settlement amount from the account of the user U indicated by the user identification information to the account of the store A indicated by the store identification information C1. Then, the settlement server 10 transmits a notification that the settlement has been completed to the user terminal 100 . In such a case, the user terminal 100 notifies that the payment has been made with electronic money by outputting a screen indicating that the payment has been completed or a predetermined voice.

Note that the settlement using the user terminal 100 is not limited to the processing described above. For example, the payment using the user terminal 100 may be made using a store terminal installed in the store A. For example, the user terminal 100 displays user identification information for identifying the user U on the screen. In such a case, the store terminal installed at the store A reads the user identification information displayed on the user terminal 100, (for example, a user ID)), the amount of payment, and information identifying the store A are transmitted to the payment server 10 . In such a case, the settlement server 10 transfers the amount of electronic money indicated by the settlement amount from the account of the user U indicated by the user identification information to the account of the store A, and transfers it to the store terminal of the store A or the user. The terminal 100 may be notified that the payment has been made by outputting a screen or a predetermined voice indicating that the payment has been completed.

In addition, settlement using the user terminal 100 includes not only the process of transferring electronic money from an account charged with electronic money in advance by the user U to the account of the store A, but also a credit card pre-registered by the user U, for example. Payment may be made using a card. In such a case, for example, the user terminal 100 may transfer electronic money for the settlement amount to the account of the store A, and may request the settlement amount from the operating company of the user U's credit card. .

[1-2. Overview of Embodiment]
Here, conventionally, in the scene where electronic payment is made using a prepaid IC card or a terminal device, as a technology for outputting predetermined content, a store terminal acquires sound data specified by a user from the IC card. and output the acquired sound data in payment processing. However, with such technology, it is only possible to output a payment confirmation sound that the user prefers, and there are cases where it cannot be said that appropriate content corresponding to payment can be provided to the user.

Therefore, the settlement server 10 executes the providing process according to the first embodiment. The provision processing executed by the settlement server 10 will be described below with reference to FIG. In the following description, an example is shown in which the user terminal 100 is used by the user U and the business operator terminal 200 is used by the business operator M1 who manages the store A. FIG. Further, in the following description, the user terminal 100 may be identified with the user U, and the business operator terminal 200 may be identified with the business operator M1 and the store A. That is, hereinafter, the user U can be read as the user terminal 100, and the business M1 and the store A can be read as the business terminal 200.

First, the payment server 10 receives from the operator M1 the settings of the content to be provided to the user who pays for the store A (step S1). For example, the payment server 10 is content provided to the user who made a payment for the store A using the above-described payment method using the payment application, and is an electronic payment service provided by the payment server 10 (hereinafter referred to as (Simply referred to as an “electronic payment service” in some cases) and conditions for providing the content are received from the operator M1. To give a specific example, the payment server 10 sends content such as a sound (payment sound) output from the user terminal 100 when payment is completed, wallpaper, and icons that can be used in the payment application to the business operator M1. accept from In the example of FIG. 1, it is assumed that the settlement server 10 has received the content #1 and the condition "payment for the store A" for providing the content #1 from the operator M1. It is also assumed that the settlement server 10 has received from the operator M1 the content #2 and the condition for outputting the content #2 "payment of 5000 yen or more to the store A".

Subsequently, the user U visiting the store A uses the user terminal 100 to read the store identification information C1 (step S2). In the example of FIG. 1, it is assumed that a user U who purchases a transaction object (product) provided by a store A wishes to make a payment to the store A by the payment method using the payment application described above. In this case, the user U activates the payment application installed in the user terminal 100 and reads the store identification information C1 installed at the storefront of the store A.

Subsequently, the user terminal 100 displays an input screen for inputting the settlement amount (step S3). For example, the user terminal 100 displays an input screen for inputting the settlement amount for the store A. FIG.

Subsequently, the user U inputs the settlement amount on the input screen (step S4). For example, the user U enters the price presented by the business operator M1 for the product to be purchased at the store A into the input screen.

Subsequently, the user terminal 100 notifies the payment server 10 of the shop ID, user ID, and payment amount (step S5). For example, when the user U presents the user terminal 100 to the business operator M1 and the business operator M1 confirms that the payment amount entered on the input screen matches the price of the product to be provided to the user U, The user terminal 100 notifies the settlement server 10 of settlement information indicating the store ID of the store A, the user ID of the user U, and the settlement amount entered on the input screen in response to the operation of the user U. do.

Subsequently, the payment server 10 executes payment processing based on the payment information notified from the user terminal 100 (step S6). For example, the settlement server 10 transfers the amount of electronic money indicated by the settlement amount from the account of user U indicated by the user ID to the account of store A indicated by the store ID.

Subsequently, the payment server 10 provides the user terminal 100 with a notification that the payment has been completed and content corresponding to the payment information (step S7). For example, the payment server 10 provides content to the user terminal 100 based on payment information received from the user terminal 100 . As a specific example, the payment server 10 provides the content #1 to the user terminal 100 when the payment amount notified from the user terminal 100 is less than 5000 yen. Moreover, the settlement server 10 provides the content #2 to the user terminal 100 when the settlement amount notified from the user terminal 100 is 5000 yen or more.

Subsequently, the user terminal 100 displays a notification that the payment has been completed (step S8). For example, the user terminal 100 outputs a screen or a predetermined voice indicating that payment has been completed. It should be noted that the user terminal 100 may output the payment sound when the content indicating the payment sound is provided from the payment server 10 in step S7.

Subsequently, the user terminal 100 outputs the content in the electronic payment service according to the user's operation (step S9). For example, the user terminal 100 outputs content arbitrarily selected by the user U from among the contents provided by the payment server 10 and whose output mode changes according to the use of the electronic payment service. A specific example of content output (displayed) in the electronic payment service will now be described with reference to FIG. FIG. 2 is a diagram showing an example of content output in an electronic payment service.

As shown in FIG. 2, the user terminal 100 displays a screen Co1 as an initial display screen when the above-described payment application relating to the electronic payment service is activated. For example, in the example of FIG. 2, the user terminal 100 displays a screen Co1 including content (icon) SC1 indicating the balance of electronic money in the electronic payment service. Here, it is assumed that the user U performs a setting operation on the user terminal 100 to display the icon SC2 provided by the settlement server 10 (in other words, the content set by the business operator) on the initial display screen. do. In this case, the user terminal 100 displays the screen Co2 including the icon SC2 instead of the icon SC1.

As shown in FIG. 2, the user terminal 100 displays a screen Co2 including the icon SC2 as an initial display screen when the payment application is activated after receiving a setting operation for displaying the icon SC2 from the user U. do. For example, in the example of FIG. 2, the user terminal 100 displays a screen Co2 including an icon SC2 indicating the balance of electronic money in the electronic payment service and an object Ob1. Here, the condition for changing the output mode of the icon SC2 is set by the business operator, etc., as follows: "After the setting operation for displaying the icon SC2 has been performed, a predetermined number of payments have been made using the payment application for a predetermined store." It is assumed that the user U is set and the user U satisfies the condition. In this case, the user terminal 100 displays the screen Co3 including the icon SC2 whose display mode is changed.

As shown in FIG. 2, the user terminal 100 changes the display mode as the initial display screen when the payment application is activated after the user U has satisfied the conditions for changing the output mode of the icon SC2. A screen Co3 including an icon SC2 is displayed. For example, in the example of FIG. 2, the user terminal 100 displays a screen Co3 including an icon SC2 representing the electronic money balance in the electronic payment service, an object Ob1, and a new object Ob2.

As described above, the payment server 10 according to the embodiment provides content accepted from business operators and usable in electronic payment services according to payment information received from users. As a result, the payment server 10 according to the embodiment can distribute content arbitrarily set by the business operator according to the details of the payment made by the user. Various types of content can be provided according to the usage status of users. In other words, the payment server 10 according to the embodiment can provide the user with appropriate content corresponding to payment.

In addition, since the payment server 10 according to the embodiment provides content whose output mode changes according to the status of payment for a shop managed by a business operator, for example, it encourages users to actively use the shop. can be done.

[2. Configuration of payment server]
Next, the configuration of the settlement server 10 will be described using FIG. FIG. 3 is a diagram showing a configuration example of a payment server according to the embodiment. As shown in FIG. 3, the settlement server 10 has a communication section 20, a storage section 30, and a control section 40.

(Regarding communication unit 20)
The communication unit 20 is realized by, for example, a NIC (Network Interface Card) or the like. The communication unit 20 is connected to the network N by wire or wirelessly, and transmits and receives information to and from the user terminal 100, the operator terminal 200, and the like.

(Regarding storage unit 30)
The storage unit 30 is implemented by, for example, a semiconductor memory device 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. 3 , the storage unit 30 has an account database 31 , a business operator information database 32 and a user information database 33 .

(Regarding account database 31)
The account database 31 stores various types of information about accounts of users and businesses. An example of information stored in the account database 31 will now be described with reference to FIG. FIG. 4 is a diagram showing an example of an account database according to the embodiment. In the example of FIG. 4, the account database 31 has items such as "account ID", "owner information", and "account balance".

"Account ID" indicates identification information for identifying an account. "Owner information" indicates information about the owner (user or business operator) who owns the account, and stores, for example, identification information (identifier) for identifying the owner. "Account balance" indicates the balance of an account owned by a user or business.

That is, FIG. 4 shows an example in which the information of the owner of the account identified by the account ID "AID#1" is "user #1" and the account balance is "7800".

(Regarding the business operator information database 32)
The business information database 32 stores various types of information about businesses. Here, an example of information stored in the business operator information database 32 will be described with reference to FIG. FIG. 5 is a diagram illustrating an example of a business operator information database according to the embodiment; In the example of FIG. 5, the business operator information database 32 has items such as "business operator ID", "store ID", "account ID", "content ID", and "content information".

"Business ID" indicates identification information for identifying the business. "Store ID" indicates identification information for identifying a store managed by a business operator. "Account ID" indicates identification information for identifying an account owned by the business operator. "Content ID" indicates identification information for identifying the content set by the provider. "Content information" indicates information about content set for the provider, and has items such as "content" and "provision conditions". "Content" indicates content provided to the user in response to payment. "Providing conditions" indicates the conditions under which the content is provided.

That is, in FIG. 5, the store managed by the business operator identified by the business operator ID "MID#1" is identified by the shop ID "SID#1", and the account owned by the business operator is identified by the account ID "AID#2". ” and set by the provider is provided when a payment that satisfies the provision condition “payment to SID #1” is made.

The business operator information database 32 may store content information set by the business operator, or may store content information set by the administrator of the payment server 10 or the like.

(Regarding the user information database 33)
The user information database 33 stores various information about users of electronic payment services provided by the payment server 10 . An example of information stored in the user information database 33 will now be described with reference to FIG. FIG. 6 is a diagram illustrating an example of a user information database according to the embodiment; In the example of FIG. 6, the user information database 33 has items such as "user ID", "payment history", and "attribute information".

"User ID" indicates identification information for identifying a user. "Payment history" indicates the history of payments made using the electronic payment service, and stores information such as payment recipients (operators), payment targets (transaction targets), and payment amounts. The "attribute information" indicates user attributes based on behavior in electronic payment services and other various services, and stores information indicating, for example, demographic attributes and psychographic attributes of users.

That is, FIG. 6 shows an example in which the payment history of the user identified by the user ID "UID#1" is "payment history #1" and the attribute information is "attribute information #1".

(Regarding the control unit 40)
The control unit 40 is a controller, and various programs stored in a storage device inside the payment server 10 are executed by a CPU (Central Processing Unit), an MPU (Micro Processing Unit), or the like, using the RAM as a work area. It is realized by being executed. Also, the control unit 40 is a controller, and is implemented by an integrated circuit such as an ASIC (Application Specific Integrated Circuit) or an FPGA (Field Programmable Gate Array). The control unit 40 according to the embodiment includes, as shown in FIG. realize or perform

(Regarding the reception unit 41)
The reception unit 41 receives settings for content to be provided to the user in response to payment. For example, in the example of FIG. 1, the reception unit 41 is content to be provided to a user who has made a payment at store A using a payment method using a payment application, and is content that can be used in an electronic payment service. and the conditions for providing the contents are received from the business operator M1 and stored in the business operator information database 32. FIG.

In addition, the receiving unit 41 may receive payment information regarding payment to the business operator from the user. For example, in the example of FIG. 1, the reception unit 41 receives from the user terminal 100 payment information indicating the shop ID of the shop A, the user ID of the user U, and the payment amount entered on the input screen.

Note that the reception unit 41 may receive payment information from the business operator terminal 200 . For example, when the user identification information for identifying the user displayed on the user terminal 100 is read by the operator terminal 200 (store terminal) and the payment is made, the reception unit 41 is received from the operator terminal 200.

(Regarding the detection unit 42)
The detection unit 42 detects a payment made by a user using a predetermined payment means. For example, the detection unit 42 detects payment using an electronic payment service provided by the payment server 10 . As a specific example, the detection unit 42 detects payment using an electronic payment service based on payment information notified from the user terminal 100 or the business terminal 200 .

In addition, the detection unit 42 detects whether the terminal device used by the user is a settlement performed by reading information linked with the payment destination, or information displayed on the terminal device used by the user and is used. A terminal device used by a payee may read information associated with a payee to detect a payment made. For example, in the example of FIG. 1, the detection unit 42 detects payment made by the user terminal 100 reading the store identification information C1 installed at the storefront of the store A. FIG. The detection unit 42 also detects a payment made by the operator terminal 200 reading the user identification information for identifying the user displayed on the user terminal 100 . To give a specific example, the detection unit 42 detects the user ID indicated by the user identification information read by the operator terminal 200, the store ID, and the payment amount input to the operator terminal 200. It is information, and the payment indicated by the payment information notified from the operator terminal 200 is detected.

(Regarding the payment processing unit 43)
The payment processing unit 43 executes payment processing according to the payment information received by the reception unit 41 . For example, in the example of FIG. 1, the payment processing unit 43 transfers the amount of electronic money indicated by the payment amount from the account of user U indicated by the user ID to the account of store A indicated by the shop ID.

(About the providing unit 44)
The provision unit 44 provides the user with content that can be used in services related to a predetermined payment method based on the payment-related information detected by the detection unit 42 . For example, the providing unit 44 collects payment information indicating the payment detected by the detection unit 42, information about the payment source (user) indicated by the payment information, and information about the payment destination (business operator) indicated by the payment information. Collect relevant information. The providing unit 44 then refers to the business operator information database 32 and provides content corresponding to the collected payment-related information.

In addition, the providing unit 44 may provide content that allows the user to select whether or not to output in services related to a predetermined payment method. For example, the providing unit 44 provides sound information indicating a sound that the user can arbitrarily set as a payment sound in the payment application, and content displayed when the payment application installed in the user terminal 100 is activated (for example, It provides image information indicating images (still images, moving images) that can be arbitrarily set by the user as wallpaper, icons, etc.

Further, the providing unit 44 may provide content based on payment-related information including information about the user who makes the payment. For example, the providing unit 44 refers to the user information database 33 and provides content corresponding to the user's attribute information indicated by the payment information.

In addition, the providing unit 44 may provide content based on payment-related information including the mode of use of a predetermined payment method by the user who makes the payment. For example, the providing unit 44 refers to the user information database 33 and provides content corresponding to the payment history of the user indicated by the payment information. As a specific example, the providing unit 44 provides content according to the number of times payment is made using a predetermined payment method. Further, the providing unit 44 provides different content each time a predetermined number of payments (for example, 10 times) are performed using a predetermined payment method. In addition, the providing unit 44 provides content indicating benefits given to the user according to the number of times the payment is made using a predetermined payment method. In addition, the providing unit 44 provides content corresponding to the cumulative amount of payments made using a predetermined payment method.

In addition, the providing unit 44 may provide content according to the number of payments made using a predetermined payment method to a payee in payment. For example, the providing unit 44 refers to the user information database 33, and provides content according to the number of times the user has made payments using a predetermined payment method to the business indicated by the payment information. As a specific example, the providing unit 44 provides a different content each time a predetermined number of payments are made using a predetermined payment method to the business operator indicated by the payment information. In addition, the providing unit 44 provides content indicating benefits given to the user according to the number of times the payment is made using a predetermined payment method with respect to the business operator indicated by the payment information.

Further, the providing unit 44 may provide content based on payment-related information including the mode of use of a predetermined payment method when payment is made. For example, the providing unit 44 stores payment information, information obtained from the user terminal 100 of the user indicated by the payment information, information obtained from the business operator terminal 200 of the business indicated by the payment information, and the like. It is collected as a usage mode of a predetermined payment method when it is received, and content is provided based on the collected information.

Further, the providing unit 44 may provide the content based on the settlement amount. For example, when the settlement amount indicated by the settlement information is equal to or greater than a predetermined amount, or when the settlement amount is a predetermined amount, the providing unit 44 provides the corresponding content. To give a specific example, the provision unit 44, when the payment amount is equal to or greater than the amount that is the condition (in other words, the content provision condition) for which the business operator or the administrator of the payment server 10 grants the privilege, Provide content that corresponds to the offer. In addition, the providing unit 44 determines whether the payment amount is a predetermined number set by the business operator or the administrator of the payment server 10 (for example, zorome (777, etc.), a pun, etc.), or a number related to the user (for example, , date of birth), provide the corresponding content.

Further, the providing unit 44 may provide content based on a payee in settlement. For example, the providing unit 44 provides content corresponding to a payee (operator) indicated by the payment information or an organization to which the payee belongs. As a specific example, the providing unit 44 provides content indicating campaigns carried out by businesses or groups to which the businesses belong.

Further, the providing unit 44 may provide content based on the position of the user who makes the payment. For example, the providing unit 44 provides content corresponding to an area (for example, an event venue) where the user indicated by the payment information is located.

Further, the providing unit 44 may provide content based on the date and time when payment is made. For example, the providing unit 44 provides content indicating a campaign to be carried out during a period corresponding to the date and time when payment is made. Further, the providing unit 44 provides content corresponding to the time slot in which payment is made.

Further, the providing unit 44 may provide content based on information related to a transaction target for settlement. For example, the providing unit 44 provides corresponding content based on the transaction object, the number of transaction objects, the combination of transaction objects, and the like.

In addition, the providing unit 44, based on at least one of information related to the settlement amount, the payment destination, the position of the user who makes the settlement, the date and time of the settlement, and the transaction object to be settled, You can provide content.

Note that the providing unit 44 may combine a plurality of the above processes to provide content. For example, the providing unit 44 provides information about the user who makes the payment, usage mode of a predetermined payment method by the user, payment amount, payment destination, location of the user, date and time of payment, target of payment Content may be provided based on the trading object.

In addition, the providing unit 44 may provide content in which at least one of the number of times the content can be used in the service related to the predetermined payment method and the period in which the service related to the predetermined payment method can be used is set. For example, the providing unit 44 provides sound information in which the number of times to be output as the payment sound is set, or sound information in which the period during which the sound can be used as the payment sound is set. The providing unit 44 also provides image information in which the number of times that can be set as content to be displayed in the payment application and the period that can be displayed in the payment application are set.

Further, the providing unit 44 may provide content whose output mode changes according to use of a service related to a predetermined payment method. For example, the providing unit 44 outputs sound information for outputting a payment sound different from that at the time of the previous payment when a payment is made using a predetermined payment method, Provides image information that displays different images. The providing unit 44 also provides sound information for randomly outputting one of a plurality of settlement sounds, and image information for randomly displaying one of a plurality of images. Further, the providing unit 44 provides content whose output mode changes according to the usage mode of a predetermined payment means after the user starts using the content. To give a specific example, the providing unit 44 provides sound information and image information whose output mode changes according to the cumulative amount of payments made using a predetermined payment method. In addition, the providing unit 44 outputs a settlement sound according to the settlement amount, the payee, the position of the user who makes the settlement, the date and time of the settlement, and the information related to the transaction target of the settlement. provide information. In addition, the providing unit 44 displays an image corresponding to the settlement amount, the payment destination, the position of the user who makes the settlement, the date and time of the settlement, and information on the transaction target of the settlement, etc. Provides image information to be displayed at the next startup.

Further, the providing unit 44 may provide content whose output mode changes according to the number of payments made using a predetermined payment method. For example, the providing unit 44 may set the number of payments using a predetermined payment method after the user has set the payment sound in the payment application, or the number of payments using a predetermined payment method to a predetermined payee. To provide sound information in which the settlement sound changes. In addition, the providing unit 44 can be used to determine the number of payments made using a predetermined payment method after being set as content to be displayed when the user activates the payment application, or the number of payments made using a predetermined payment method for a predetermined payment destination. To provide image information in which a displayed image changes according to the number of payments. To give a specific example, in the example of FIG. 2, the providing unit 44 provides an icon SC2 whose output mode changes according to the use of payment using the payment application.

Further, the providing unit 44 may provide content set by a payee in payment. For example, in the example of FIG. 1, the providing unit 44 provides the content set by the operator M1 based on the conditions set by the operator M1.

Further, the providing unit 44 may provide content displayed on the terminal device used by the user when the user uses a service related to a predetermined payment method. For example, in the example of FIG. 2, the providing unit 44 provides an icon SC2 displayed on the initial display screen of the payment application installed on the user terminal 100. FIG.

Further, the providing unit 44 may provide content indicating a sound output in response to payment using a predetermined payment method. For example, the providing unit 44 provides content indicating a payment sound output from the user terminal 100 when payment is completed.

[3. Provision processing flow]
A procedure of provision processing of the settlement server 10 according to the embodiment will be described with reference to FIG. FIG. 7 is a flowchart illustrating an example of the procedure of provision processing according to the embodiment.

As shown in FIG. 7, the payment server 10 determines whether payment using a predetermined payment method has been detected (step S101). When payment using a predetermined payment method is not detected (step S101; No), the payment server 10 waits until payment using a predetermined payment method is detected.

On the other hand, when a payment using a predetermined payment method is detected (step S101; Yes), the payment server 10 collects payment-related information related to the detected payment (step S102). Subsequently, the payment server 10 provides the content to the user based on the payment-related information (step S103), and ends the process.

[4. Modification]
The above-described embodiment is an example, and various modifications and applications are possible.

[4-1. Regarding the provision device]
In the above-described embodiment, an example in which the provision processing is realized by the settlement server 10 has been shown, but the provision device according to the present application is not limited to such an example. For example, the providing process may be implemented by a server device managed by an operator.

[4-2. About payment method]
Although the detection unit 42 detects payment using a payment application in the above embodiment, the function of the detection unit 42 is not limited to such an example. For example, the detection unit 42 may detect various types of payment such as payment using a prepaid card and payment using a credit card.

The detection unit 42 may also detect payment using NFC (Near Field Communication). For example, the detection unit 42 detects payment made by the user terminal 100 reading store identification information from an NFC tag installed at the store. When performing such a payment, the user terminal 100 reads the store identification information and the application ID of the payment application from the NFC tag installed at the store, then activates the payment application and inputs the payment amount for the store. are received from users. Then, the user terminal 100 transmits to the payment server 10 payment information indicating the user identification information, the payment amount entered by the user, and the store identification information read by the user terminal 100 from the NFC tag. Note that the user terminal 100 may read information such as the price of the product and the amount of payment to the store from the NFC tag.

[4-3. About processing mode]
Of the processes described in the above embodiments, all or part of the processes described as being automatically performed can be manually performed, and conversely, all of the processes described as being manually performed can be performed manually. Alternatively, some can be done automatically by known methods. In addition, information including processing procedures, specific names, various data and parameters shown in the above documents and drawings can be arbitrarily changed unless otherwise specified. For example, the various information shown in each drawing is not limited to the illustrated information.

Also, each component of each device illustrated is functionally conceptual, and does not necessarily need to be physically configured as illustrated. In other words, the specific form of distribution and integration of each device is not limited to the one shown in the figure, and all or part of them can be functionally or physically distributed and integrated in arbitrary units according to various loads and usage conditions. Can be integrated and configured.

Moreover, each of the embodiments described above can be appropriately combined within a range that does not contradict the processing contents.

[5. effect〕
As described above, the payment server 10 according to the embodiment has the reception unit 41, the detection unit 42, the payment processing unit 43, and the provision unit 44. The reception unit 41 receives settings for content to be provided to the user in response to payment. In addition, the reception unit 41 receives payment information regarding payment from the user to the business operator. The detection unit 42 detects a payment made by a user using a predetermined payment means. In addition, the detection unit 42 detects whether the terminal device used by the user is a settlement performed by reading information linked with the payment destination, or information displayed on the terminal device used by the user and is used. The terminal device used by the payee reads the information associated with the payee to detect the payment made. The payment processing unit 43 executes payment processing according to the payment information received by the reception unit 41 . The provision unit 44 provides the user with content that can be used in services related to a predetermined payment method based on the payment-related information detected by the detection unit 42 . In addition, the providing unit 44 provides content that allows the user to select whether or not to output in services related to a predetermined payment method. The providing unit 44 also provides content displayed on the terminal device used by the user when the user uses a service related to a predetermined payment method. Further, the providing unit 44 provides content indicating a sound output in response to payment using a predetermined payment means.

As a result, the payment server 10 according to the embodiment can provide content arbitrarily set by the business operator according to the user's payment status, and thus can provide the user with appropriate content corresponding to the payment.

In addition, in the payment server 10 according to the embodiment, for example, the providing unit 44 provides content based on payment-related information including information about the user who makes the payment. In addition, the providing unit 44 provides content based on payment-related information including usage patterns of predetermined payment methods by users who make payments. In addition, the providing unit 44 provides content according to the number of payments made using a predetermined means of payment to a payee in payment. Further, the providing unit 44 provides content based on payment-related information including usage patterns of predetermined payment means when payment is made. In addition, the providing unit 44, based on at least one of information related to the settlement amount, the payment destination, the position of the user who makes the settlement, the date and time of the settlement, and the transaction object to be settled, provide content.

As a result, the payment server 10 according to the embodiment provides content based on various information related to the user and payment, so that appropriate content corresponding to payment can be provided to the user.

Further, in the payment server 10 according to the embodiment, for example, the providing unit 44 sets at least one of the number of times the service related to the predetermined payment method can be used and the period during which the service related to the predetermined payment method can be used. provide content. Further, the providing unit 44 provides content whose output mode changes according to use of a service related to a predetermined payment method. Further, the providing unit 44 provides content whose output mode changes according to the number of payments made using a predetermined payment method. Also, the providing unit 44 provides the content set by the payee in the payment.

As a result, the payment server 10 according to the embodiment provides content in which the conditions for use and the conditions for changing the output mode are set, so that it is possible to encourage active use of the content and the predetermined payment method. can be done.

[6. Hardware configuration]
Also, the payment server 10 according to each of the embodiments described above is implemented by, for example, a computer 1000 configured as shown in FIG. The settlement server 10 will be described below as an example. FIG. 8 is a hardware configuration diagram showing an example of a computer that implements the functions of the settlement server. Computer 1000 has CPU 1100 , ROM 1200 , RAM 1300 , HDD 1400 , communication interface (I/F) 1500 , input/output interface (I/F) 1600 and media interface (I/F) 1700 .

The CPU 1100 operates based on programs stored in the ROM 1200 or HDD 1400 and controls each section. The ROM 1200 stores a boot program executed by the CPU 1100 when the computer 1000 is started, programs dependent on the hardware of the computer 1000, and the like.

The HDD 1400 stores programs executed by the CPU 1100, data used by the programs, and the like. Communication interface 1500 receives data from another device via communication network 500 (corresponding to network N in the embodiment) and sends it to CPU 1100, and also transmits data generated by CPU 1100 via communication network 500 to other devices. Send to device.

The CPU 1100 controls output devices such as displays and printers, and input devices such as keyboards and mice, through an input/output interface 1600 . CPU 1100 acquires data from an input device via input/output interface 1600 . Also, CPU 1100 outputs the generated data to an output device via input/output interface 1600 .

Media interface 1700 reads programs or data stored in recording medium 1800 and provides them to CPU 1100 via RAM 1300 . CPU 1100 loads such a program from recording medium 1800 onto RAM 1300 via media interface 1700, and executes the loaded program. The recording medium 1800 is, for example, an optical recording medium such as a DVD (Digital Versatile Disc) or a PD (Phase change rewritable disc), a magneto-optical recording medium such as an MO (Magneto-Optical disk), a tape medium, a magnetic recording medium, or a semiconductor memory. etc.

For example, when the computer 1000 functions as the settlement server 10 , the CPU 1100 of the computer 1000 implements the functions of the control unit 40 by executing programs loaded on the RAM 1300 . Further, each data in the storage device of the settlement server 10 is stored in the HDD 1400 . CPU 1100 of computer 1000 reads these programs from recording medium 1800 and executes them, but as another example, these programs may be obtained from another device via a predetermined communication network.

[7. others〕
As described above, some of the embodiments of the present application have been described in detail based on the drawings. It is possible to carry out the invention in other forms with modifications.

In addition, the configuration of the settlement server 10 described above can be flexibly changed, for example, by calling an external platform or the like using an API (Application Programming Interface), network computing, or the like, depending on the function.

In addition, the "unit" described in the claims can be read as "means", "circuit", or the like. For example, the reception unit can be read as reception means or a reception circuit.

10 settlement server 20 communication unit 30 storage unit 31 account database 32 business operator information database 33 user information database 40 control unit 41 reception unit 42 detection unit 43 payment processing unit 44 provision unit 100 user terminal 200 business operator terminal

Claims (15)

a detection unit that detects a payment made by a user using a predetermined payment method;
Provision of providing content used when using a service related to the predetermined payment means to a terminal device used by the user for using the service based on the payment-related information related to the payment detected by the detection unit. and
The providing unit provides, as the content, content displayed on the terminal device when the service is used, and the content is provided and the payment is made by the user using the service. When a predetermined condition is satisfied as a result of the service, the content is displayed in a state where the display mode is changed by the terminal device on the initial screen when the service is used again after the use. Device. The providing unit
The content whose display mode changes when it is determined that a condition preset by a predetermined business operator as the predetermined condition is satisfied based on the payment-related information detected by the detection unit. 2. The providing device according to claim 1, which provides to a user. The detection unit is
The above settlement performed by the terminal device used by the user reading the information linked to the payee, or information displayed on the terminal device used by the user and linked to the user. The providing device according to claim 1 or 2, wherein the terminal device used by the payee reads the payment to detect the payment. The providing unit
4. The providing apparatus according to any one of claims 1 to 3, wherein the content is provided so that the user can select whether or not to display the content in a service related to the predetermined payment means. The providing unit
The providing device according to any one of claims 1 to 4, wherein the content is provided based on the payment-related information including information about the user who makes the payment. The providing unit
6. The provision according to any one of claims 1 to 5, wherein the content is provided based on the payment-related information including the mode of use of the predetermined payment method by the user who makes the payment. Device. The providing unit
7. The providing device according to claim 6, wherein the content is provided according to the number of payments made to the payee using the predetermined payment method. The providing unit
8. The content according to any one of claims 1 to 7, wherein the content is provided based on the payment-related information including the mode of use of the predetermined payment means when the payment is made. delivery device. The providing unit
Based on at least one of the settlement amount of the settlement, the payee in the settlement, the location of the user who makes the settlement, the date and time of the settlement, and information related to the transaction subject to the settlement, the content 9. The providing device of claim 8, wherein the providing device provides: The providing unit
10. The contents of claims 1 to 9, wherein at least one of the number of times the service related to the predetermined payment method can be used and the period during which the service related to the predetermined payment method can be used is set. The providing device according to any one of the above. The providing unit
11. The providing apparatus according to any one of claims 1 to 10, wherein the content is provided in a display mode that changes according to the number of payments made using the predetermined payment means. The providing unit
12. The provision device according to any one of claims 1 to 11, wherein the content set by the payee in the payment is provided. The providing unit
13. The content displayed on the terminal device used by the user is provided when the user uses a service related to the predetermined payment method. 2. The delivery device described in . A computer-implemented method of providing, comprising:
a detection step of detecting a payment made by a user using a predetermined payment method;
Providing content used when using a service related to the predetermined payment means to a terminal device used by the user for using the service based on the payment-related information related to the payment detected by the detection step. and
In the providing step, the content is displayed on the terminal device when using the service as the content, and the user makes a payment using the service after the content is provided. When a predetermined condition is satisfied as a result of the service, the content is displayed in a state where the display mode is changed by the terminal device on the initial screen when the service is used again after the use. Method. a detection procedure for detecting a payment made by a user using a predetermined payment method;
Provision of providing content used when using a service related to the predetermined payment method to a terminal device used by the user for using the service, based on the payment-related information related to the payment detected by the detection procedure A provided program for causing a computer to execute the steps and
The provision procedure is a content displayed on the terminal device when the service is used as the content, and the user makes a payment using the service after the content is provided. When a predetermined condition is satisfied as a result of the service, the content is displayed in a state where the display mode is changed by the terminal device on the initial screen when the service is used again after the use. program.

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