JP7141504B1 - Provision device, provision method and provision program - Google Patents

Abstract

A providing device, a providing method, and a providing program that motivate a user to use electronic payment until a profit is obtained. SOLUTION: In a provision system in which a payment server and a plurality of terminal devices are communicably connected to each other by wire or wirelessly via a network, the payment server, which is the provision device, controls the exchange of electronic money. Based on the transaction information received by the reception unit among the profit indicated by the profit information related to the predetermined profit given to the user, and the reception unit that receives the transaction information related to the electronic money transaction performed by the user using the transaction means The range is provided to the user (for example, in the content showing the electronic scratch lottery, the range based on the remittance information among the profit information is made viewable, and the other parts are made unviewable a providing unit that provides content); [Selection drawing] Fig. 3

Description

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

2. Description of the Related Art Conventionally, techniques for providing various services for promoting the use of electronic payment by users are known. As an example of such a technology, there is a technology in which a user is notified of a campaign, and when the user visits a store participating in the electronic money business and settles the payment with electronic money, a predetermined percentage of the settlement price is returned. Are known.

Japanese Patent No. 5416404

However, the conventional techniques described above cannot always motivate users to use electronic payments until they are profitable.

For example, the conventional technology described above simply announces a campaign and does not necessarily motivate the user to use electronic payment until a profit is obtained.

The present application has been made in view of the above, and an object thereof is to provide a processing device, a processing method, and a processing program that can motivate users to use electronic payment until they are profitable.

A provision device according to the present application includes a receiving unit that receives transaction information related to electronic money transactions performed by a user using a predetermined transaction means for controlling electronic money exchange, and a profit related to a predetermined profit given to the user. and a providing unit that provides the user with a range of benefits indicated by the information based on the transaction information received by the receiving unit.

According to one aspect of the embodiment, there is an effect that it is possible to motivate the user to use electronic payment until a profit is obtained.

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 provided by the settlement server according to the embodiment. 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 profit 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 and a terminal device 100. The settlement server 10 and the terminal device 100 are communicably connected to 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 multiple payment servers 10 and multiple terminal devices 100 .

A settlement server 10 shown in FIG. 1 is an information processing device that executes provision processing according to the embodiment, and is realized by a server device, a cloud system, or the like. For example, the payment server 10 provides an electronic payment service related to electronic payment using the terminal device 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 terminal device 100 shown in FIG. 1 is an information processing device used by a user. The terminal device 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 terminal device 100 displays information delivered by the payment server 10 using a web browser or an application.

Note that the example shown in FIG. 1 shows a case where the terminal device 100 is a smart phone. Also, in the example shown in FIG. 1, the terminal device 100 will be described as terminal devices 100-1 to 100-N (N is an arbitrary natural number) according to the user who uses the terminal device 100. FIG. For example, the terminal device 100-1 is the terminal device 100 used by the user (user U1) identified by the user ID "U1". Further, hereinafter, the terminal devices 100-1 to 100-N will be referred to as the terminal device 100 when they are described without distinction.

Further, when the terminal device 100 receives control information for implementing predetermined information processing from the settlement server 10, the terminal device 100 implements 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. Settlement using the terminal device 100]
Here, an example of payment (electronic payment) using the terminal device 100 will be described prior to the providing process executed by the payment server 10. FIG. In the following description, an application distributed from the payment server 10 and for electronic payment using the terminal device 100 (hereinafter sometimes simply referred to as a “payment application”) is installed on the terminal device 100. It shall be Further, in the following description, the user U1 uses the terminal device 100 using a two-dimensional code (QR code (registered trademark)) placed in the store and indicating store identification information for identifying the store. An example of settlement using -1 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 terminal device 100 to make a payment at any store. Moreover, the store identification information may be not only a QR code but also a bar code, a predetermined mark, a number, or the like.

For example, when the user U1 makes a payment accompanying the use or purchase of a payment target (transaction target) such as various products and services at a store, the user U1 installs a payment application in advance on the terminal device 100-1. to start. Then, the user U1 photographs the store identification information installed in the store via the payment application. In such a case, the terminal device 100-1 displays a screen for inputting the price to be settled, and accepts the input of the payment amount from the user U1 or the store clerk. Then, the terminal device 100-1 stores user identification information for identifying the user U1, shop identification information (or information indicated by the shop identification information, that is, information indicating the shop (for example, shop ID)), and payment payment information indicating the amount of money to be sent 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 user U1 indicated by the user identification information to the account of the store indicated by the store identification information. The settlement server 10 then transmits a notification that the settlement has been completed to the terminal device 100-1. In such a case, the terminal device 100-1 notifies that the payment has been made with electronic money by outputting a screen or a predetermined sound indicating that the payment has been completed.

Note that the settlement using the terminal device 100-1 is not limited to the processing described above. For example, settlement using the terminal device 100-1 may be made using a store terminal installed in the store. As a specific example, the terminal device 100-1 displays user identification information for identifying user U1 on the screen. In such a case, the store terminal installed in the store reads the user identification information displayed on the terminal device 100-1, and reads the user identification information (or information indicated by the user identification information, that is, user U1). (for example, a user ID)), the payment amount, and the information identifying the store 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 U1 indicated by the user identification information to the account of the store, and the store terminal or terminal device 100- 1 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 terminal device 100-1 includes not only the process of transferring electronic money from an account charged with electronic money in advance by the user to the account of the store, but also, for example, a credit card registered in advance by the user. Payment may be made using In such a case, for example, the payment server 10 may transfer the electronic money of the payment amount to the account of the store, and may request the payment amount from the operating company of the credit card of the user U1.

In addition, the settlement using the terminal device 100-1 is not only the process of transferring electronic money from the account of user U1 to the account of the store, but also the transfer of electronic money from the account of user U1 to the account of another user, for example. It may be a payment for transferring electronic money (that is, remittance between users). For example, the terminal device 100-1 used by the remittance source user U1 receives user identification information (for example, user identification information displayed on the terminal device used by the remittee user) that identifies the remittance destination user. information), receives input of the remittance amount from the user U1, and transmits to the settlement server 10 information indicating the read identification information, remittance amount, and user identification information for identifying the user U1. In such a case, the settlement server 10 transfers the amount of electronic money indicated by the remittance amount from the account of the user U1 to the account of the remittee user, and transfers it to the terminal device 100-1 or the remittee user. You may notify that the remittance has been performed by outputting a screen or a predetermined voice indicating that the remittance has been completed to the terminal device used by .

Note that the remittance using the terminal device 100-1 is not limited to the processing described above. For example, remittance using the terminal device 100-1 is performed by inputting into the terminal device 100-1 the telephone number of the remittee user or information indicating the remittee user (for example, user ID). may be broken. As a specific example, the terminal device 100-1 accepts input of the telephone number or user ID of the user to whom the remittance is to be made and the remittance amount from the user U1, and receives the input telephone number or user ID. , and the remittance amount and user identification information for identifying user U1 are transmitted to the settlement server 10 . Then, the settlement server 10 transfers the amount of electronic money indicated by the remittance amount from the account of the user U1 to the account of the user linked to the transmitted telephone number or user ID.

Here, the telephone number and user ID of the user to whom the remittance is to be made may be associated with information about the user and registered in advance in the payment application. In this case, the terminal device 100-1 accepts from the user U1 the designation of a user (remittance destination) registered in the payment application and the input of the remittance amount to the user, and the terminal device 100-1 is linked to the designated user. The attached telephone number or user ID, remittance amount, and user identification information for identifying user U1 are transmitted to the settlement server 10 .

Further, for example, remittance using the terminal device 100-1 may be performed by providing the remittee user with link information for receiving the remittance amount. As a specific example, the terminal device 100-1 accepts an input of the remittance amount from the user U1, generates link information for receiving the remittance amount, transmits an e-mail containing the link information, or sends an e-mail containing the link information. Link information is provided to the terminal device used by the user of the remittance destination by posting posted information including information to SNS (Social Networking Service). Then, when the remittance destination user selects the link information and performs a receiving operation, the settlement server 10 transfers the amount indicated by the remittance amount from the user U1 account to the remittance destination user account. transfer money.

It should be noted that the payment means and payment services described above are not limited to those for the provision of compensation for the purchase of goods or the provision of services (settlement of obligations). For example, as described above, the payment means or payment service may have functions related to remittances between accounts owned by multiple users. In other words, the payment means and payment service described above may be any service that controls transmission and reception 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 settlement means and settlement service according to the embodiments are not limited to various controls for realizing exchange of electronic money (control of various inter-account remittances via electronic money, but also controls for exchange between an electronic money account and a bank account). Various types of credit processing such as control, division, processing accompanying bonus payments, and other various types of control related to the exchange of property including electronic money) can be provided in any form. good too. In addition, the various controls realized by such transaction means and transaction services may include both control related to payment and control related to remittance, or may include only one of them. That is, "transaction" is a concept that includes not only "settlement" related to electronic money, but also "remittance" of electronic money and various other processes. In other words, the settlement server 10 may be an information processing device that implements transaction means for controlling the exchange of electronic money between arbitrary owners.

[1-2. Overview of Embodiment]
Here, conventionally, as a technique for providing various services for promoting the use of electronic payment by users, campaigns are announced to users, and users come to stores participating in the electronic money business. There is known a technique of returning a predetermined percentage of the settlement price when the settlement is made with electronic money. However, such technology merely announces campaigns and does not necessarily motivate users to use electronic payment until they are profitable.

Therefore, the settlement server 10 executes provision processing according to the embodiment. The provision processing executed by the settlement server 10 will be described below with reference to FIG. In addition, in the following description, the terminal device 100 may be regarded as the same as the user. That is, hereinafter, the user U1 can also be read as the terminal device 100-1.

Further, in the following description, it is assumed that the settlement server 10 has already provided the user U1 with content C11 indicating a computerized scratch lottery campaign via the settlement application. For example, in the example of FIG. 1, the payment server 10 is a privilege given to the user U1 by the campaign related to the content C11, and every time a remittance of 1,000 yen or more is performed by the above-described method using the payment application, Content C11 including icons IC11 to IC16 corresponding to each privilege is provided instead of the information indicating the details of the privilege to be given. In other words, the settlement server 10 provides the content C11 that conceals the details of the privilege given to the user U1 by the campaign.

First, the settlement server 10 receives remittance information regarding remittance from the user U1 to another user from the terminal device 100-1 (step S1). For example, the payment server 10 receives remittance information regarding remittance by the method using the payment application described above. To give a specific example, the settlement server 10 receives remittance information including information such as a user ID that identifies user U1, a remittance amount, and a user ID of a remittee user. In the example of FIG. 1, it is assumed that user U1 has made a remittance of 1,000 yen or more to a remittee user.

Subsequently, the settlement server 10 executes remittance processing based on the received remittance information (step S2). For example, the settlement server 10 transfers the amount of electronic money indicated by the remittance amount from the account of user U1 to the account of the remittee user.

Subsequently, the settlement server 10 notifies the remittance destination user that the remittance has been made (step S3). For example, the settlement server 10 transmits a notification indicating that the remittance has been accepted from the user U1 to the remittee user.

Subsequently, the settlement server 10 provides the terminal device 100-1 with the content C12, which is the updated content C11 based on the remittance information (step S4). For example, the settlement server 10 provides content C12 in which benefits that can be granted to user U1 based on remittance information are updated to a viewable state among the benefits granted to user U1 by a campaign related to content C11. To give a specific example, the settlement server 10 replaces the icon IC 11 corresponding to the privilege #1 presented to the user U1 as the first privilege in the campaign with the content of the privilege #1 "100 yen CB (cashback )” is provided.

Here, it is assumed that user U1 newly made a remittance of 1,000 yen or more to another user using the payment application. In this case, the settlement server 10 provides the terminal device 100-1 with content C13 in which the content C12 is updated based on the remittance information regarding the newly performed remittance. For example, the settlement server 10 replaces the icon IC12 corresponding to the privilege #2 presented to the user U1 after the privilege #1 in the campaign with an area AR12 displaying the contents of the privilege #2 "+300 yen CB". Provide content C13 containing. In other words, the settlement server 10 provides content C13 that displays the details of Privilege #2 in which a privilege higher than Privilege #1 is set.

Subsequently, the settlement server 10 gives the privilege to the user U1 in response to the privilege acquisition request (step S5). For example, when the user U1 presses the button BT11 included in each of the contents C12 and C13, the settlement server 10 provides the user U1 with the privilege indicated by each contents.

As a specific example, when the user U1 presses the button BT11 included in the content C12, the settlement server 10 pays 100 yen worth of electronic money indicated by the benefit #1 browsably displayed in the content C12. Give it to the user U1, and end the provision of the campaign to the user U1. In other words, when the button BT11 included in the content C12 is pressed, the settlement server 10 does not give the privilege corresponding to the icons IC12 to IC16 even if the user U1 makes a remittance of 1,000 yen or more.

Further, when the user U1 presses the button BT11 included in the content C13, the settlement server 10 sets the amount based on the benefits #1 and #2 browsably displayed in the content C13 to 400 yen (the benefit #1 is ("100 yen" + "300 yen" indicated by privilege #2) is given to the user U1, and the provision of the campaign to the user U1 ends.

Note that the settlement server 10 may provide the content C11 again and perform the above-described processing after receiving the privilege acquisition request.

Also, the campaign-related content provided by the settlement server 10 is not limited to content that hides the details of the privilege. Here, an example of content provided by the settlement server 10 to the terminal device 100-1 will be described with reference to FIG. FIG. 2 is a diagram showing an example of content provided by the settlement server according to the embodiment. In the example shown in FIG. 2, it is assumed that the payment server 10 provides content related to a campaign in which benefits are given according to the number of remittances made by the user U1 using the payment application.

First, the settlement server 10 provides content C21 indicating the initial state of the campaign. For example, the settlement server 10 sets an icon IC21 displayed at a position corresponding to the number of remittances made by the user U1, a position (start position) P21 where the icon IC21 is displayed in the initial state, and a predetermined number of remittances. Contents C21 including positions P22 to P29 to which the icon IC21 is to be moved when the conditions of (1) are satisfied are provided. To give a specific example, the settlement server 10 displays, at positions P23, P25, P27, and P29, the details of benefits provided to user U1 when the conditions corresponding to each position are satisfied.

Here, it is assumed that after the content C21 is provided, the user U1 makes three remittances using the payment application. In this case, the settlement server 10 provides the content C22 in which the display content indicated by the content C21 is updated based on the number of remittances made by the user U1. For example, the settlement server 10 displays an icon IC21 at a position P22 for which "number of remittances: 3" is set as a condition, and provides an area AR21 displaying the condition set for the position P22 and a content C22 to be displayed. . In other words, the settlement server 10 hides the conditions corresponding to the positions P22-P29, and provides the content in which the conditions are made viewable when the conditions are satisfied.

Next, after the content C22 is provided, it is assumed that the user U1 performs two remittances using the settlement application (in other words, remittances five times after the content C21 is provided). In this case, the settlement server 10 provides the content C23 in which the display content indicated by the content C22 is updated based on the number of remittances made by the user U1. For example, the settlement server 10 causes the icon IC21 to be displayed at the position P23 for which "number of remittances: 5" is set as a condition, and an area AR22 for displaying the condition set for the position P23, and an area AR22 for displaying the condition set for the position P23. A content C23 that further displays a button BT21 for instructing an acquisition request is provided. Here, when the button BT21 is pressed, the settlement server 10 gives electronic money worth 1,000 yen indicated by the privilege corresponding to the position P23 to the user U1, and ends the provision of the campaign to the user U1. .

Note that the settlement server 10 may concurrently provide the content shown in FIG. 1 and the content shown in FIG. 2, or may provide only one of them.

As described above, the settlement server 10 according to the embodiment provides contents in which the contents of the benefits given in the campaign are kept secret, and provides contents updated so that the contents of the benefits can be browsed according to the user's remittance. . As a result, the settlement server 10 according to the embodiment conceals the contents of the privilege, so that the user has high expectations for the concealed contents, and remittance is performed in order to view the concealed contents. Motivation can be done. That is, the payment server 10 according to the embodiment can motivate the user to use electronic payment until a profit is obtained.

[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 terminal device 100 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 , profit information database 32 and user information database 33 .

(Regarding account database 31)
The account database 31 stores various types of information regarding accounts of users of the electronic payment service. 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) who owns the account, and stores, for example, identification information (identifier) for identifying the owner. "Account balance" indicates the balance of the account owned by the user.

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 profit information database 32)
The profit information database 32 stores various types of information regarding profits given to users. An example of information stored in the profit information database 32 will now be described with reference to FIG. FIG. 5 is a diagram illustrating an example of a profit information database according to the embodiment; In the example of FIG. 5, the profit information database 32 has items such as "campaign ID", "granting conditions", and "profit content".

"Campaign ID" indicates identification information for identifying a campaign. "Giving condition" indicates a condition for giving a benefit to the user. "Benefit content" indicates the content of the benefit given to the user.

That is, FIG. 5 shows an example in which the grant condition of the campaign identified by the campaign ID "CID#1" is "grant condition #1" and the content of profit is "profit content #1".

(Regarding the user information database 33)
The user information database 33 stores various information about users of the electronic payment service. 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", "settlement history", "remittance history", and "campaign usage status".

"User ID" indicates identification information for identifying a user. "Payment history" indicates the history of payments made using the electronic payment service, and stores, for example, information such as identification information (for example, store ID) that identifies the payment destination and the amount of payment. "Remittance history" indicates the history of remittances performed using the electronic payment service, and stores information such as identification information (for example, user ID) that identifies the remittance destination and remittance amount, for example. "Campaign usage status" indicates the campaign usage status of the user, and has items such as "Campaign ID" and "Usage status".

"Campaign ID" indicates identification information for identifying a campaign. "Usage status" indicates the usage status of the campaign, and stores, for example, information such as benefits given to the user in the campaign and conditions satisfied by the user.

That is, in FIG. 6, the payment history of the user identified by the user ID "UID#1" is "payment history #1", the remittance history is identified by "remittance history #1", and the campaign ID "CID#1". An example is shown in which the usage status of the campaign to be displayed is "usage status #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 payment information related to payment from a user to a transaction target provider (store, etc.). For example, the reception unit 41 receives payment information indicating the user identification information that identifies the user, the store identification information captured via the payment application, and the payment amount input by the user or the store clerk to the terminal. Received from device 100 .

Note that the receiving unit 41 may receive payment information from a terminal device used by the provider of the transaction object. For example, when the store terminal reads the user identification information for identifying the user displayed on the terminal device 100 and the payment is made, the reception unit 41 sends the payment information indicating the payment to the store terminal. accept from

In addition, the receiving unit 41 may receive transaction information related to electronic money transactions performed by a user using a predetermined transaction means for controlling electronic money exchanges. For example, in the example of FIG. 1, the reception unit 41 receives remittance information including information such as the user ID that identifies user U1, the remittance amount, and the user ID of the remittee user from the terminal device 100-1. accept.

In addition, the receiving unit 41 may receive transaction information indicating details of the transaction. For example, in the example of FIG. 1, the receiving unit 41 receives remittance information indicating information such as the remittance amount and the user ID of the remittee user.

(Regarding the payment processing unit 42)
The payment processing unit 42 executes payment processing according to the payment information received by the reception unit 41 . For example, the payment processing unit 42 transfers the amount of electronic money indicated by the payment amount from the account of the user indicated by the user identification information to the account of the shop indicated by the shop identification information.

Note that the settlement processing unit 42 may execute remittance processing according to the remittance information received by the reception unit 41 . For example, in the example of FIG. 1, based on the remittance information, the settlement processing unit 42 transfers the amount of electronic money indicated by the remittance amount from the account of the user U1 to the account of the remittee user.

(Regarding the providing unit 43)
The providing unit 43 provides the user with a range of profit indicated by profit information relating to a predetermined profit given to the user based on the transaction information received by the receiving unit 41 . Here, the "range based on remittance information" in the present application refers to information that can be viewed by users based on remittance information, among the information hidden in profit information (contents shown in FIGS. 1 and 2). . For example, in the example of FIG. 1, the provision unit 43 refers to the profit information database 32 and the user information database 33, and obtains a benefit given to the user U1 by the campaign, the content of which is kept secret from the user U1. Among the given benefits (privileges corresponding to the icons IC11 to IC16), the contents of the privilege #1 that can be granted to the user U1 based on the remittance information are browsably displayed (the area AR11 is displayed instead of the icon IC11). Provide C12.

Further, the providing unit 43 may provide the user with a range based on the transaction information received by the receiving unit 41, among the conditions under which the profit indicated by the profit information regarding the predetermined profit to be given to the user is granted. good. For example, in the example of FIG. 2, the providing unit 43 can view the contents of the conditions satisfied by the user U1 among the conditions whose contents are kept confidential from the user U1 (conditions corresponding to the positions P22-P29). (displaying the area AR21 indicating the conditions set for the position P22).

Further, the providing unit 43 may provide the user with a condition satisfied by the content of the transaction indicated by the transaction information, among the conditions under which each of the plurality of benefits to be granted to the user is granted. For example, in the example of FIG. 2, the providing unit 43 provides content C22 that indicates the content of the condition that is satisfied by the remittance content indicated by the remittance information of the user U1, among the conditions whose content is kept confidential from the user U1. offer.

Further, the providing unit 43 may provide the profit information to the user in such a manner that the range based on the transaction information can be browsed and other portions cannot be browsed. For example, in the example of FIG. 1, the providing unit 43 uses, based on the remittance information, among the benefits given to the user U1 by the campaign related to the content C11, the details of which are hidden from the user U1. Contents C12 in which the content of privilege #1 that can be granted to person U1 is displayed in a browsable manner, and the details of other privileges (privileges corresponding to icons IC12 to IC16) that are granted to users in the campaign are concealed. offer. In addition, in the example of FIG. 2, the providing unit 43 visibly displays the contents of the conditions satisfied by the user U1 among the conditions corresponding to the positions P22 to P29 (area indicating the contents of the conditions corresponding to the position P22). AR21 is displayed), and content C22 is provided in a state in which the details of the conditions corresponding to positions P23-P29 are concealed.

In addition, the providing unit 43 uses content indicating a scratch lottery digitized, in which the range based on the transaction information of the profit information is made viewable, and the other part is made unviewable. may be provided to anyone. For example, in the example of FIG. 1, the provision unit 43 is in a state where it is possible to view benefits that can be granted to the user U1 based on the remittance information, among the benefits that are granted to the user U1 by the computerized scratch lottery campaign. provides updated content C12.

Further, the providing unit 43 may provide profit information to the user in such a state that profit that cannot be granted to the user based on the transaction information cannot be viewed among the predetermined profits. For example, in the example of FIG. 1, the providing unit 43 provides content in which, among the benefits given to the user U1 by the campaign, the benefits that cannot be given to the user U1 based on the remittance information cannot be viewed.

Further, the providing unit 43 may provide profit information to the user in a state in which profit that can be given to the user based on the transaction information among the predetermined profit can be browsed. For example, in the example of FIG. 1, the providing unit 43 provides content C12 in which benefits that can be granted to user U1 based on remittance information among the benefits granted to user U1 by the campaign are updated to be viewable. do.

Further, the providing unit 43 may provide the profit information to the user in such a state that the range of the conditions under which the predetermined profit is granted, which is not achieved by the transaction information, cannot be browsed. For example, in the example of FIG. 2, the providing unit 43 provides content in which conditions that have not been met due to remittance information cannot be viewed.

In addition, the providing unit 43 may provide profit information to the user in a state in which a range of conditions achieved by the transaction information among the conditions under which a predetermined profit is granted can be browsed. For example, in the example of FIG. 2, when the user U1 makes five remittances using the payment application, the providing unit 43 places the icon IC21 at the position P23 where "the number of remittances: 5 times" is set as the condition. A content C23 is provided that displays an area AR22 that displays the conditions set for the position P23.

(Regarding the granting unit 44)
When receiving a profit acquisition request from the user, the granting unit 44 grants the user profit corresponding to at least part of the predetermined profit and corresponding to a range based on the transaction information. For example, in the example of FIG. 1, when the user U1 presses the button BT11 included in the content C12, the granting unit 44 gives 100 yen worth of electronic money indicated by the benefit #1 browsably displayed in the content C12. Give to user U1. In addition, when the user U1 presses the button BT11 included in the content C13, the granting unit 44 gives electronic money of 400 yen, which is the amount based on the privileges #1 and #2 browsably displayed in the content C13. Give to user U1.

[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 settlement server 10 receives remittance information (step S101). Subsequently, the settlement server 10 provides the user with the range of profit indicated by the profit information based on the remittance information (step S102). Subsequently, the settlement server 10 determines whether or not a profit acquisition request has been received from the user (step S103). If the acquisition request has not been received (step S103; No), the settlement server 10 terminates the process.

On the other hand, if the acquisition request is accepted (step S103; Yes), the settlement server 10 gives profit corresponding to the range based on the remittance information (step S104), and ends the process.

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

[4-1. Provision processing by the payment server 10]
In the above-described embodiment, an example in which the settlement server 10 receives remittance information from the user and provides the user with a range of profits based on the remittance information among profits indicated by profit information relating to a predetermined profit given to the user. Although shown, the provision processing by the settlement server 10 is not limited to such an example. For example, the payment server 10 may receive payment information from the user, and provide the user with a range of profit indicated by profit information regarding a predetermined profit given to the user based on the payment information. That is, when transaction information related to electronic money transactions such as settlement and remittance is generated, the settlement server 10 provides the user with the range based on the transaction information, out of the profit indicated by the profit information related to the predetermined profit given to the user. offer.

[4-2. About content]
In the above-described embodiment, the providing unit 43 provides electronic scratch lottery content (content shown in FIG. 1) in which the details of the privilege to be granted to the user are concealed, and conditions for awarding the privilege. Although the example of providing the content (the content shown in FIG. 2) that conceals the is shown, the content provided by the providing unit 43 is not limited to such an example. For example, the providing unit 43 may provide contents relating to computerized scratch lotteries in which the details of the benefits are viewable and the conditions for awarding the benefits are kept secret. In addition, in the example shown in FIG. 2, the providing unit 43 may provide content in which the content of the privilege given to the user is kept secret and the conditions for giving the privilege can be viewed. Moreover, the provision part 43 may provide the content which conceals the content of a privilege, and the conditions which provide a privilege.

Moreover, the mode of the content provided by the providing unit 43 is not limited to the examples shown in FIGS. 1 and 2, and any mode of content may be provided to the user.

[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 payment processing unit 42, the provision unit 43, and the provision unit 44. The receiving unit 41 receives transaction information related to electronic money transactions performed by users using predetermined transaction means for controlling electronic money exchanges. The receiving unit 41 also receives transaction information indicating the content of the transaction. The settlement processing unit 42 executes remittance processing according to the transaction information received by the receiving unit 41 . The providing unit 43 provides the user with a range of profit indicated by profit information relating to a predetermined profit given to the user based on the transaction information received by the receiving unit 41 . The providing unit 43 provides the profit information to the user in such a manner that the range based on the transaction information can be browsed and other portions cannot be browsed. Further, the providing unit 43 provides the user with a range based on the transaction information received by the receiving unit 41 among the conditions under which the profit indicated by the profit information regarding the predetermined profit to be given to the user is granted. In addition, the providing unit 43 provides the user with a condition satisfied by the content of the transaction indicated by the transaction information, among the conditions under which each of the plurality of benefits to be granted to the user is granted. In addition, the providing unit 43 uses content indicating a scratch lottery digitized, in which the range based on the transaction information of the profit information is made viewable, and the other part is made unviewable. provided to those When receiving a profit acquisition request from the user, the granting unit 44 grants the user profit corresponding to at least part of the predetermined profit and corresponding to a range based on the transaction information.

As a result, the settlement server 10 according to the embodiment conceals the contents of the profit information, so that the user has high expectations for the concealed contents, and remittance is performed in order to view the concealed contents. can be motivated.

In addition, in the settlement server 10 according to the embodiment, for example, the providing unit 43 provides profit information to the user in such a state that the profit that cannot be given to the user based on the transaction information cannot be viewed among the predetermined profits. In addition, the providing unit 43 provides profit information to the user in a state in which profits that can be given to the user based on the transaction information among the predetermined profits can be browsed. In addition, the providing unit 43 provides profit information to the user in such a state that the range of conditions that have not been achieved by the transaction information among the conditions under which a predetermined profit is granted cannot be browsed. Further, the providing unit 43 provides profit information to the user in a state in which a range of conditions achieved by the transaction information among the conditions under which a predetermined profit is granted can be browsed.

As a result, the settlement server 10 according to the embodiment can make the contents of the concealed profit information available to the user based on the transaction information. It is possible to motivate the user to perform

[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 payment server 20 communication unit 30 storage unit 31 account database 32 profit information database 33 user information database 40 control unit 41 reception unit 42 payment processing unit 43 provision unit 44 provision unit 100 terminal device

Claims (12)

a reception unit that receives transaction information related to electronic money transactions performed by a user using a predetermined transaction means that controls exchange of electronic money;
It is possible to view information related to the process of granting a benefit that can be granted to the user in a range based on the transaction information received by the reception unit, out of the benefit indicated by the profit information regarding the predetermined benefit granted to the user. and a providing unit for providing the content updated to the correct state to the user via a predetermined interface. a reception unit that receives transaction information related to electronic money transactions performed by a user using a predetermined transaction means that controls exchange of electronic money;
Providing the user with a range of profits based on the transaction information received by the reception unit, among the profits indicated by the profit information relating to the predetermined profit granted to the user, via content accompanied by a predetermined interface. Department and
has
The providing unit
Contents that are computerized and have a predetermined sealed content, in which the range based on the transaction information of the profit indicated by the profit information is made viewable, and the other part is made unviewable A providing device characterized by providing to a user. a granting unit that grants to said user, when a profit acquisition request is received from said user, a profit corresponding to at least part of said predetermined profit and corresponding to a range based on said transaction information; 3. A delivery device according to claim 1 or 2 , further comprising. The providing unit
4. Any one of claims 1 to 3 , wherein the profit information is provided to the user in such a state that profit that cannot be granted to the user based on the transaction information cannot be viewed among the predetermined profit. 1. The delivery device according to 1. The providing unit
5. The profit information is provided to the user in a state in which, of the predetermined profit, the profit that can be granted to the user based on the transaction information can be viewed. or a provider according to one of the preceding claims. The providing unit
6. The profit information is provided to the user in such a state that a range of conditions, among the conditions under which the predetermined profit is granted, that have not been achieved by the transaction information, cannot be viewed. A provider according to any one of the above. The providing unit
updating information relating to the granting process of a benefit that can be granted to the user for a range of conditions achieved by the transaction information among the conditions for granting the predetermined benefit, and updating the profit information; to the user, the provision device according to any one of claims 1 to 6 . a reception unit that receives transaction information related to electronic money transactions performed by a user using a predetermined transaction means that controls exchange of electronic money;
In the process of granting profits that can be granted to the user, the range based on the transaction information received by the reception unit, among the conditions for granting the profits indicated by the profit information related to the predetermined profits to be granted to the user and a providing unit that provides the user with content updated to a viewable state of such information through a predetermined interface. A computer-implemented method of providing, comprising:
a receiving step of receiving transaction information relating to electronic money transactions performed by a user using a predetermined transaction means for controlling exchange of electronic money;
It is possible to view information related to the process of granting a benefit that can be granted to the user, out of the benefit indicated by the benefit information relating to the predetermined benefit granted to the user, based on the transaction information received in the receiving step. and a providing step of providing the content updated to the correct state to the user via a predetermined interface. a reception procedure for receiving transaction information related to electronic money transactions performed by a user using a predetermined transaction means for controlling electronic money exchange;
It is possible to view information related to the process of granting a benefit that can be granted to the user, out of the benefit indicated by the benefit information relating to the predetermined benefit granted to the user, based on the transaction information accepted by the acceptance procedure. A providing program for causing a computer to execute a providing procedure for providing content updated to a correct state to the user via a predetermined interface. A computer-implemented method of providing, comprising:
a receiving step of receiving transaction information relating to electronic money transactions performed by a user using a predetermined transaction means for controlling exchange of electronic money;
Providing the user with a range of profits based on the transaction information received by the receiving step, out of the profits indicated by the profit information relating to the predetermined profit given to the user, via content accompanied by a predetermined interface. process and
including
The providing step includes
Contents that are computerized and have a predetermined sealed content, in which the range based on the transaction information of the profit indicated by the profit information is made viewable, and the other part is made unviewable provide to users
A provision method characterized by comprising: a reception procedure for receiving transaction information related to electronic money transactions performed by a user using a predetermined transaction means for controlling electronic money exchange;
Provision of providing the user with a range of profits based on the transaction information accepted by the acceptance procedure, out of the profits indicated by the profit information relating to the prescribed profits given to the user, via content accompanied by a prescribed interface. procedure and
on the computer, and
The providing procedure includes:
Contents that are computerized and have a predetermined sealed content, in which the range based on the transaction information of the profit indicated by the profit information is made viewable, and the other part is made unviewable provide to users
A provided program characterized by causing a computer to execute.

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