JP7284359B1 - Application program and information processing method - Google Patents

Abstract

An object of the present invention is to improve user convenience. An application program provides an electronic payment service in cooperation with a payment server, and indicates to a computer that a user has performed a predetermined operation on the application program. A process of transmitting information and user identification information to a service server device corresponding to a predetermined operation from among the payment server and one or more service server devices, and a process of acquiring content provided by the payment server in response to the transmission. , a process of acquiring specific information corresponding to the user provided by the service server device in response to the transmission, and a process of generating content including the specific information in the setting area of the content provided in the electronic payment service provided by the payment server. and a process of displaying the generated content on the display unit of the terminal device in which the application program is installed. [Selection drawing] Fig. 1

Description

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

Conventionally, a device and a method for producing widgets and providing them to users are known (see, for example, Japanese Laid-Open Patent Application Publication No. 2002-200012).

JP 2014-170545 A

However, the information provided to the user by such devices may not be sufficiently useful.

SUMMARY OF THE INVENTION The present invention has been made in consideration of such circumstances, and one of the objects thereof is to provide an application program and an information processing method capable of providing users with more useful information.

One aspect of the present invention is an application program that provides an electronic payment service in cooperation with a payment server, wherein when a user performs a predetermined operation on the application program in a computer, the predetermined operation is performed. a process of transmitting information indicating that the user's identity and user identification information to the service server device corresponding to the predetermined operation from among the payment server and one or more service server devices, and the payment server providing in response to the transmission A process of acquiring content, a process of acquiring unique information corresponding to the user provided by the service server device in response to transmission, and a setting area for content provided in the electronic payment service provided by the payment server. The service server device executes a process of generating content including the specific information and a process of displaying the generated content on a display unit of a terminal device in which the application program is installed. a service that is different from the electronic payment service that is provided and that is provided together with the electronic payment service, wherein the unique information corresponds to the user managed by the service server device It is an application program that is information.

According to one aspect of the present invention, it is possible to provide an application program and an information processing method capable of providing more useful information.

1 is a diagram showing an example of a configuration for realizing an electronic payment service; FIG. FIG. 10 is a sequence diagram illustrating a rough flow of electronic payment of pattern 1; FIG. 10 is a sequence diagram illustrating a rough flow of electronic payment of pattern 2; 2 is a configuration diagram of a settlement server 100; FIG. 4 is a diagram showing an example of contents of user information 172. FIG. 4 is a diagram showing an example of contents of member store/store information 176. FIG. 3 is a diagram showing a mini app 30 included in the payment app 20. FIG. FIG. 3 is a diagram showing an example of an interface image IM1; FIG. 3 is a sequence diagram showing an example of the flow of processing executed by payment application 20 (mini application 30), payment server 100, and service server 200. FIG. FIG. 4 is a diagram showing an example of consent information 173 used for managing consent information included in user information 172. FIG. FIG. 10 is a diagram showing an example of an interface image IM2 provided to a user who has given consent; FIG. 10 is a diagram showing an example of an interface image IM3 provided to a user who has not given consent; 4 is a diagram showing an example of the contents of widget information 175. FIG. FIG. 4 is a diagram showing an example of the flow of processing related to provision of content; FIG. 10 is a diagram showing another example of the flow of processing regarding provision of content; FIG. 10 is a diagram showing another example of the flow of processing regarding provision of content; It is a figure which shows an example of interface image IM4. It is a figure which shows an example of interface image IM5. FIG. 13 is a diagram showing another example of information included in the widget area AR8; FIG. FIG. 10 is a diagram showing an example of an interface image IM6; FIG. It is a figure which shows an example of interface image IM7. FIG. 10 is a diagram illustrating an example of the flow of processing regarding the use of position information; FIG. 10 is a diagram showing another example of the flow of processing regarding the use of position information; It is a figure which shows an example of interface image IM8. 4 is a flow chart showing an example of the flow of processing executed by the settlement server 100. FIG. FIG. 11 is a diagram showing an example of an interface image IM9; FIG.

An application program and an information processing method according to the present invention will be described below with reference to the drawings. An information processing device is realized by one or more processors. The information processing device provides electronic payment services. The information processing device provides a service that is different from the electronic payment service used by the user, and is provided together with the electronic payment service, from the service server device to the user managed by the service server device. Get the associated user-specific specific information. The information processing device provides the user with content including specific information in the setting area of the content provided in the electronic payment service. In addition, the unique information may be acquired in response to the user performing an operation related to the use of the electronic payment service, or may be in a mode in which the information is appropriately updated and the unique information is acquired regardless of the operation. good.

The application program is an application program that cooperates with a payment server to provide an electronic payment service, and is a service that is different from the electronic payment service used by the user and is provided together with the electronic payment service. specific information corresponding to the user managed in the service server device from the service server device that provides the provided service, and the specific information is included in the setting area of the content provided in the electronic payment service. The content is provided to the user.

"User's operation related to the use of the electronic payment service" may be any operation. It can be an operation. The term "provided service provided together with the electronic payment service" includes, for example, services provided in the electronic payment service and services incidental to the electronic payment service. The “provided service provided together with the electronic payment service” is, for example, a service related to mini-apps, which will be described later.

"Specific information" is, for example, user information related to the service provided by the service server device (information linked to the user) that is subjectively managed by the service server device, or information that the service server device performs information processing This is information about the provided service derived based on the user's location information obtained from the device. "User information related to the service of the service server device managed in the service server device" is, for example, information on the user's assets if the service is asset management, and information on the user's assets if the service is banking. This is information such as bank accounts and borrowings, and if the service is shopping, it is information such as the delivery status of products ordered by the user and order history. User information related to a service is, for example, information linked to a user related to a service used by the user, as described above. "Information about the provided service derived by the service server device based on the location information of the user obtained from the information processing device" is information about the service that takes into account the location information of the user. and positional information of a target related to the provided service (for example, positional information of a vehicle for dispatching).

[Electronic payment service]
FIG. 1 is a diagram showing an example of a configuration for realizing an electronic payment service. An electronic payment service is implemented centering on the payment server 100 . The settlement server 100 includes, for example, one or more user terminal devices 10, one or more first store terminal devices 50, one or more second store terminal devices 70, and one or more service servers 200-1 to 200-3. It communicates with each via the network NW. The network NW includes, for example, the Internet, a LAN (Local Area Network), wireless base stations, provider devices, and the like. Hereinafter, the service servers 200-1 to 200-3 will be referred to as service servers 200 when not distinguished from each other.

The user terminal device 10 is, for example, a portable terminal device such as a smart phone or a tablet terminal. The user terminal device 10 is a computer device having at least an optical reading function, a communication function, a display function, an input reception function, and a program execution function. In the following description, configurations for realizing these functions are respectively referred to as a camera, a communication device, a touch panel, a CPU (Central Processing Unit), and the like. In the user terminal device 10, the payment application 20 is executed by a processor such as a CPU, and operates in cooperation with the payment server 100 to provide electronic payment services to the user. The payment application 20 controls a camera, a communication device, a touch panel, and the like.

The first store terminal device 50 is installed, for example, in a store. The first store terminal device 50 is a computer device having at least a product price acquisition function, an optical reading function, a program execution function, and a communication function. The first store terminal device 50 includes a so-called POS (Point of Sale) device, and the POS device may realize the product price acquisition function and the optical reading function. The store code image 60 is placed in a store, and a code image such as a QR code (registered trademark) is printed on a medium such as paper or plastic. Note that the store code image 60 may be displayed on a display placed in the store (a display of a terminal device such as a smart phone may be used).

The second store terminal device 70 is used by the member store operator. The second store terminal device 70 is a smart phone, a tablet terminal, a personal computer, or the like. A member store interface 72 operates on the second store terminal device 70 . The merchant interface 72 may be a merchant application or a browser. The member store interface 72 accepts coupon settings and the like from the member store operator and transmits them to the settlement server 100 . The second store terminal device 70, which is a smartphone, has a function of displaying a code image corresponding to the store code image and reading a code image displayed by the user terminal device 10 by executing an application for member stores. have.

The payment server 100 realizes electronic payment based on payment information received from the user terminal device 10 or the first shop terminal device 50 . The first store terminal device 50 may include a POS device and a member store server. In this case, payment information is transmitted from the POS device to the payment server 100 via the member store server. In the following explanation, it is assumed that the payment information is transmitted from the first store terminal device 50 without distinguishing between them. The payment server 100 performs electronic payment by, for example, decreasing the charge balance managed in association with the user ID and increasing the item value of the sales proceeds of the affiliated store. For example, the item value of the sales proceeds of the member store is not used as electronic money per se, but the amount corresponding to the item value of the sales proceeds is calculated in a cycle according to the agreement between the member store and the electronic payment service. transferred to a bank account. Electronic payment may include those that enable purchase of a larger amount than the charge balance at the time of purchase by methods such as revolving payment and credit payment.

2 and 3 are sequence diagrams illustrating the general flow of electronic payment. There may be two types of electronic payment: pattern 1 and pattern 2.

In the case of pattern 1 (hereinafter referred to as user scan) shown in FIG. 2, the user terminal device 10 with the payment application 20 activated decodes the shop code image 60 by the optical reading function (S1). The store code image 60 includes store URL (Uniform Resource Locator) information. The store URL is a domain of the electronic payment service to which information that can identify the store is added, and is associated with the member store ID, the store ID, and the like in the settlement server 100 (described later). The payment application 20 transmits the first payment information including the store URL and the account ID to the payment server 100 (S2). The payment server 100 retrieves store information (described later) from the member store ID and store ID corresponding to the store URL, acquires the member store name and store name information (S3), and transmits them to the settlement application 20 (S4). . The user inputs the settlement amount into the user terminal device 10 on the screen displaying the member store name and store name (S5). Then, the user terminal device 10 generates second payment information including at least the payment amount, and transmits the second payment information to the payment server 100 (S6). The payment server 100 completes electronic payment as described above based on the received second payment information (S7). The payment server 100 then transmits a payment completion notification (information for displaying a payment completion screen) to the payment application 20 (S8), and the payment application 20 displays the payment completion screen (S9). Note that the store code image 60 may include not only the store URL but also the payment amount information. In this case, the procedure for the user to input the settlement amount is omitted. For example, since the payment application 20 causes the display unit to display a screen in which the payment amount is input, the above S5 is omitted. When the user confirms the amount and performs a predetermined operation, the first payment information including the payment amount is transmitted to the payment server 100 . Information on the name of the member store and the name of the store may be included and displayed on the payment completion screen.

In the case of pattern 2 (hereinafter referred to as store scan) shown in FIG. 3, the payment application 20 transmits a one-time code (corresponding to user identification information) issuance request to the settlement server 100 (S11). The payment server 100 generates a one-time code (S12) and transmits it to the payment application 20 (S13). The payment application 20 displays a code image such as a QR code or barcode generated based on the one-time code (S14). The user holds up (presents) the display surface of the user terminal device 10 to the first shop terminal device 50, and the first shop terminal device 50 decodes the code image by the optical reading function and acquires the one-time code ( S15). The first store terminal device 50 then generates payment information including the one-time code, payment amount, member store ID, store ID, etc., and transmits the payment information to the payment server 100 (S16). The information on the payment amount is acquired in advance by reading a bar code, manually inputting it, or the like. The payment server 100 identifies the user corresponding to the one-time code based on the received information, and completes the electronic payment as described above (S17). The payment server 100 then transmits a payment completion notification to the payment application 20 (S18), and the payment application 20 displays a payment completion screen (S19).

It should be noted that electronic payment may be performed using only one of the above patterns. Also, the "account ID" described in FIG. 2 may be other information (such as a telephone number) that can be used as user identification information. Alternatively, the issuance of the one-time code may be omitted in the store scan, and the payment application 20 may display a code image generated based on the user's account ID. In that case, the settlement server 100 identifies the user corresponding to the account ID instead of identifying the user corresponding to the one-time code.

[Settlement server]
FIG. 4 is a configuration diagram of the settlement server 100. As shown in FIG. The payment server 100 includes, for example, a communication unit 110, a login status management unit 120, a service information acquisition unit 121, a payment content provision unit 122, a payment processing unit 124, an information management unit 126, and a storage unit 170. Prepare. Components other than communication unit 110 and storage unit 170 are implemented by, for example, a hardware processor such as a CPU executing a program (software). Some or all of these components are hardware (circuit part; circuitry) or by cooperation of software and hardware. The program may be stored in advance in a storage device (a storage device with a non-transitory storage medium) such as a HDD (Hard Disk Drive) or flash memory, or may be stored in a removable storage such as a DVD or CD-ROM. It may be stored in a medium (non-transitory storage medium) and installed in the storage device by loading the storage medium into the drive device. The service information acquisition unit 121 is an example of an “acquisition unit”, and the payment content provision unit 122 is an example of a “provide unit”. Also, the payment content providing unit 122, the payment processing unit 124, and the information management unit 126 are other examples of the "providing unit". Part of the processing executed by the payment application 20 may be executed by the payment server 100 , and part of the processing executed by the payment server 100 may be executed by the payment application 20 .

The storage unit 170 is an HDD, flash memory, RAM (Random Access Memory), or the like. The storage unit 170 may be a NAS (Network Attached Storage) device that can be accessed by the settlement server 100 via a network. The storage unit 170 stores information such as user information 172, payment content information 174, member store/store information 176, and the like.

The communication unit 110 is a communication interface for connecting to the network NW. The communication unit 110 is, for example, a network interface card.

The login status management unit 120 manages the login status of each user. For example, the login state management unit 120 permits login based on the telephone number and password input by the user, and transitions the state from the login state to the logout state based on the user's logout operation. .

The service information acquisition unit 121 acquires information from the service server 200 . The service information acquisition unit 121 acquires from the service server 200, for example, user information managed by the service server 200, which is information about a target user.

The payment content providing unit 122 has, for example, a function of a web server, and provides the user terminal device 10 with information (contents) for displaying various screens of the electronic payment service. The payment content providing unit 122 appropriately reads necessary content from the payment content information 174 and provides it to the user terminal device 10 . The user terminal device 10 accepts various inputs from the user while the content is being reproduced by the payment application 20 , and transmits the above-described payment information and the like to the payment server 100 .

The payment content providing unit 122 generates content in which the specific information of the target user is associated with the widget area (setting area) of the content, provides the generated content to the payment application 20, and provides the payment application 20 with the user terminal. Contents are displayed on the display unit of the device 10 .
The payment content providing unit 122 provides the payment application 20 with the specific information, causes the payment application 20 to generate content including the specific information in the setting area, and sends the generated content to the user terminal device 10. may be displayed on the display unit. Details of the processing of the payment content providing unit 122 will be described later.

The payment processing unit 124 performs payment processing based on the payment information transmitted from the user terminal device 10 or the first shop terminal device 50 . The payment processing unit 124 performs payment processing while referring to the user information 172 .

FIG. 5 is a diagram showing an example of the contents of the user information 172. As shown in FIG. The user information 172 is an example of user registration information. User information 172 includes, for example, user URL, account ID, phone number, password, email address, user ID, name/address/date of birth, registration date, charge balance, bank account, credit card number, Information such as other service cooperation information, radio wave authentication setting, carrier payment setting, chat friend list, charge history information, payment history information, chat history information, etc. are associated with each other. When registering for the electronic payment service, it is mandatory to register a phone number and password. The account ID is issued to the user by the settlement server 100, and the user ID is an ID that can be set arbitrarily by the user (does not need to be set). In addition, information other than the user URL, account ID, telephone number, password, registration date, charge balance, charge history information, and settlement history information can be arbitrarily set by the user. Hereinafter, a user instance (electronic settlement account) associated with these pieces of information will be referred to as an account. The user URL is used for remittance processing between users. The registration date is the date when the user registers for the electronic payment service (the date when the account is created).

The charge balance is information indicating the balance of electronic money set by the user transferring money to the account in advance. Methods of remittance include remittance from an ATM (Automatic Teller Machine) of a designated trader (bank), remittance from a registered bank account, and the like. Each of the bank account and credit card number is information (account number, card number) of a bank account or credit card number that can deposit money into the electronic payment service. Other service cooperation information is a login ID or the like of another service that cooperates with the electronic payment service (for example, is operated by an operator belonging to the same business group). Radio wave authentication setting is setting information when performing authentication by communication with a specific communication carrier. The carrier payment setting is setting information for transferring at least part of the payment using the electronic payment service to payment to the communication carrier. The chat friend list is a list of other users who are chat partners in the chat function provided by the electronic payment service. The charge history information is a history of the user's advance remittance to the electronic payment service to increase the charge balance. The payment history information is information indicating details of payments made by the user (date and time, shop ID of the shop where the purchase was made, payment amount, etc.) for each payment. The chat history information is a history of the contents of chats conducted by users.

FIG. 6 is a diagram showing an example of the contents of the member store/store information 176. As shown in FIG. The store information 176 includes, for example, a first table 176A in which member store IDs and store IDs are associated with store URLs, and a second table 176A in which member store names and sales proceeds (described above) are associated with member store IDs. It includes a table 176B and a third table 176C in which store IDs are associated with store names. The member store/store information 176 may include, in addition to this information, information such as the category of the member store or store, the location of the store, and the payment pattern.

The information management unit 126 manages various information. The information management unit 126 manages information acquired from the payment application 20 and information acquired from the service server 200 , and provides information held by the payment server 100 to the payment application 20 and the service server 200 .

The service server 200 is a server device that provides a service different from the electronic payment service provided in the electronic payment service. The service server 200 cooperates with the payment application 20 and the payment server 100 to provide services (provided services) to users within the electronic payment service. The service server 200 provides services according to, for example, a user's operation on a mini app or a widget area, which will be described later.

[Interface image including a launch button that launches a mini app]
A payment application includes one or more mini applications 30 . FIG. 7 is a diagram showing a mini app 30 included in the payment app 20. As shown in FIG. The mini-application 30 is, for example, an application that uses the payment application 20 as a platform. The mini-application 30 is, for example, an application program developed by a service provider that provides the service of the service server 200 to operate within the payment application 20 . The service provider develops the mini-application 30 by referring to an SDK (Software Development Kit), which is an application development program and technical documents provided by the administrator of the payment application 20 . The mini app 30 is, for example, an app that operates while the payment app 20 is running. For example, when the payment application 20 is installed, some or all of the mini applications 30 may be installed, or some or all of the mini applications 30 may be installed from a service server corresponding to the mini applications 30 .

The payment content providing unit 122 or the payment application 20 causes the display unit of the user terminal device 10 to display an interface image including an activation button for activating the mini-application 30 . For example, the payment content providing unit 122 causes the payment application 20 to display an interface image IM1, which will be described later.

FIG. 8 is a diagram showing an example of the interface image IM1. The interface image IM1 is content provided in the electronic payment service, and includes a QR code (registered trademark) or barcode used in the electronic payment, and information on services related to various electronic payments. Area AR1 of interface image IM1 includes one or more buttons for starting mini appli 30 . When the activation button B1 is operated, the mini application 30 of the dispatch service for dispatching a taxi is activated. The mini-appli 30 provides information to the user in cooperation with, for example, a service server 200 that provides a dispatch service.

[Processing related to mini appli usage]
FIG. 9 is a sequence diagram showing an example of the flow of processing executed by the payment application 20, the payment server 100, and the service server 200. As shown in FIG. This processing is the flow of processing when the mini app 30 is activated for the first time. When an operation to activate the mini app 30 is performed (after the use button is operated), the payment application 20 transmits information indicating that the operation has been performed to the payment server 100 (S50). Next, the information management unit 126 of the payment server 100 transmits to the payment application 20 content requesting consent for the use of the mini-application 30 of the payment application 20 (S52). The payment application 20 causes the display unit to display the content requesting consent. The content requesting consent is an example of "an image inquiring whether or not to consent to cooperation between the provided service and the electronic payment service". At this time, the information management unit 126 may refer to the consent information 173, which will be described later, and transmit the content requesting the consent when the consent is required. In this process, it is assumed that the payment server 100 has obtained consent information from the payment application 20 (S54). The processing related to the user's consent, such as S52 and S54 described above, may be omitted at the next start-up if the user's consent is obtained at the first start-up. Further, even if consent is obtained for the initial start-up, the process of requesting consent may be performed again when a predetermined event occurs. Predetermined events are various events including updating of user information, revision of rules due to revision of laws and the like.

Next, when consent is given, the information management unit 126 manages consent information as described later (S56). Next, the information management unit 126 provides the service server 200 with user identification information (for example, predetermined information such as account ID and telephone number) managed by the settlement server 100 (S58).

Next, payment application 20 requests service server 200 (service server 200 corresponding to mini application 30) to send content in accordance with the above consent (S60). Next, the service server 200 transmits the content to the payment application 20 in response to the request (S62). For example, the service server 200 acquires user information associated with the user identification information managed by its own device based on the user identification information described above, and stores the acquired user information. Provide the content including the content to the payment application 20. Next, the payment application 20 displays the content transmitted in S62 on the display unit and provides it to the user (S64). For example, the processes of S60-S64 (or part of these processes) may be executed by the mini app 30. Other processing may also be executed by the mini app 30 .

As described above, the payment application 20, the mini-application 30, the payment application 20, and the service server 200 cooperate to provide useful information to the user. For example, the mini app 30 cooperates with the service server 200 to provide the user with services provided by the service server 200 and the mini app 30 without going through the payment server 100 .

The management of consent information mentioned above will be explained. FIG. 10 is a diagram showing an example of consent information 173 (“reference information”) used for managing consent information included in user information 172. As shown in FIG.
Consent information 173 is information in which information about a service (mini app 30) for which consent has been given is associated with user identification information (for example, an account ID). For example, account ID "001" has consented to mini-apps A, B, and C. Part of the consent information 173 may be stored in the storage device of the user terminal device 10 . For example, information on services that the user of the user terminal device 10 has consented to may be stored in the storage device of the user terminal device 10 . In this case, the payment application 20 determines whether or not the above consent has been given.

[Interface image provided to consenting users]
When providing the content including the widget area to the user, the payment content providing unit 122 provides the user with the content including the information obtained from the service server 200 in the widget area.

FIG. 11 is a diagram showing an example of an interface image IM2 provided to a user who has given consent. The interface image IM2 includes an area containing information managed by the payment server 100 (for example, information indicating the amount available for electronic payment), and a widget area AR2 and widget AR3 containing information provided to the service server 200. . The widget area is an example of a "settings area."

The widget area AR2 includes asset management information (specific information) managed and provided by the service server 200 that provides securities services (asset management services). The asset management information is information indicating the status of assets managed by the user. The widget area AR3 includes bank information (specific information) managed and provided by the service server 200 that provides bank services. The bank information is information indicating the user's deposit account information, borrowing status, and the like. For example, each time the user performs an operation to display the available amount of electronic money in the electronic payment service on the payment application 20, the payment server 100 sends information linked to the user from the service server 200. Provide the user with content that is obtained and includes the obtained information in the widget area. This allows the user to browse the information held by the service server 200 without operating the mini app 30 .

The activation button B2 in the widget area AR2 is a button for activating the mini-application 30 corresponding to the securities service. When this activation button B2 is operated, the mini application 30 is activated, and the mini application 30 communicates with the service server 200 that provides the securities service to provide the securities service to the user. The activation button B3 in the widget area AR3 is a button for activating the mini-application 30 corresponding to bank services. When this activation button B3 is operated, the mini application 30 is activated, and the mini application 30 communicates with the service server 200 that provides bank services to provide the bank services to the user. For example, a user can easily charge assets managed by a securities service or deposits managed by a bank to electronic money of a settlement service.

For example, in the above process, the payment content providing unit 122 provides the user with content to be included in the widget area generated in advance by the service server 200 (member store) and provided to the payment server 100 and content prepared in the payment service. The content to be provided is generated, and the generated content (interface image IM2) is provided to the user.
At this time, the payment content providing unit 122 acquires the status of the assets managed by the user and information on the bank account from the service server 200 corresponding to each content provision, and acquires it in the corresponding part of the widget area. complete the content to be included in the widget area by matching the information The service server 200 described above is a service server 200 that provides services corresponding to the mini appli 30 . Note that the payment application 20 may, for example, acquire information to be included in the widget area from the service server, acquire content from the payment server 100, and generate content to be provided to the user (see FIGS. 15 and 16 to be described later). ). The technical specifications used to create the content to be included in the widget area are the technical specifications used to create the mini appli 30 . For example, the SDK used to create the mini appli 30 can generate content to be included in the widget area. Therefore, the administrator of the service server 200 can easily generate content to be included in the widget area. For example, the same specifications as the mini-appli 30 can be specified by referring to the SDK for processing when the user operates a button included in the widget area, information to be viewed when providing services through operations on the widget area, and so on. , the convenience for the administrator of the service server 200 is improved.

[Interface images provided to non-consenting users]
FIG. 12 is a diagram showing an example of an interface image IM3 provided to a user whose consent has not been obtained. Interface image IM3 includes widget area AR2 and widget area AR3 similar to interface image IM2. For example, if consent has not been obtained for the securities service, the payment server 100 (or the payment application 20) cannot acquire information associated with the user from the service server 200 that provides the securities service. In this case, the settlement server 100 includes, in the widget area AR2, information on securities services provided by the service server 200 (for example, information encouraging the use of services such as advertisements and PR) and predetermined content different from the content of the securities services. provide content. These pieces of information may be information obtained by the settlement server 100 from the service server 200 that provides securities services, or may be information held by another service server 200 or the settlement server 100 . The information included in the widget area AR2 is an example of "contents including information promoting use of the provided service".

When the activation button B2 is operated, for example, the settlement server 100 or the service server 200 may display more detailed information on securities services on the display unit of the user terminal device 10, or the settlement server 100 (or settlement The application 20) may receive information provided from the service server 200 that provides securities services, and display the provided information on the display unit. When the activation button B2 is operated, the mini application 30 is not activated, and the settlement server 100 displays an image inquiring whether or not the service server 200, which provides the securities service, agrees to cooperate with the electronic settlement service. may be displayed in

[Widget area and information to be included in the widget area]
The payment content providing unit 122 refers to the widget information 175 included in the payment content information 174 to identify the widget area and information to be included in the widget area. FIG. 13 is a diagram showing an example of the contents of the widget information 175. As shown in FIG. The widget information 175 is information in which information to be included for each area and an information acquisition destination are associated with the content ID. For example, when content with content ID “C1” is provided, area AR2 includes information IF2, which is information obtained from service server 200-1. For the content of the content ID, the timing at which it is provided and the operation that triggers the provision are determined in advance.

[Processing flow (Part 1)]
FIG. 14 is a diagram illustrating an example of the flow of processing regarding provision of content. In this process, it is assumed that the settlement server 100 has obtained consent from the user to acquire information associated with the user from the service server 200 related to this process.

First, when an operation is performed on the payment application 20, the payment application 20 transmits information indicating that the operation has been performed to the payment server 100 (S100). Next, the service information acquisition unit 121 refers to the widget information 175 to specify information to be included in the content to be provided and an information acquisition destination (S102). Next, the service information acquisition unit 121 requests the service server 200, which is the acquisition destination, to provide information (S104). Next, the service server 200 acquires the requested information (S106) and transmits the acquired information to the service information acquisition unit 121 (S108). For example, the service server 200 acquires identification information for specifying a user from the service information acquisition unit 121, and acquires user information (such as asset management information) associated with the acquired identification information. For example, the consents described above share a user's identity between services.

Next, the payment content providing unit 122 generates content including the information acquired from the service server 200 in the widget area (S110), and transmits the generated content to the payment application 20 (S112). Next, the payment application 20 displays the transmitted content on the display unit (S114).

When the user operates the activation button for activating the mini-appli 30 in the content widget area (S116), the mini-appli 30 is activated and requests the service server 200 to transmit the content (S118). . Next, service server 200 transmits the content corresponding to the request to mini app 30 (S120). Next, mini-application 30 displays the transmitted content on the display unit (S122).
After that, the mini app 30 cooperates with the service server 200 to provide services to the user according to the user's operation. Also, when making a payment in the service of the mini application 30, the payment can be made using an electronic payment service.

As described above, the payment server 100 can provide the user with content including specific information in the setting area. As a result, the user can obtain useful information and the user's convenience is improved.

[Processing flow (Part 2)]
FIG. 15 is a diagram showing another example of the flow of processing regarding provision of content. The description will focus on the differences from FIG. 14 . In this process, the payment application 20 acquires information from the payment server 100 and the service server 200 and generates content using the acquired information.
This processing is to "acquire from the payment server information corresponding to specific information to be included in an area different from the setting area of the content and to be displayed on the display unit together with the specific information of the setting area, and to combine the obtained information and the specific information. This is an example of the process of displaying the included content on the display unit of the user's terminal device. Note that the setting area may include other information (for example, information acquired from the settlement server 100) in addition to the unique information.

First, when a predetermined operation is performed on the payment application 20, the payment application 20 transmits information indicating that the operation has been performed to the payment server 100 and the service server 200 (S100A, S100B). Next, the service information acquisition unit 121 identifies information to be included in the content to be provided according to the information in S100A (S103), and transmits the identified content to the payment application 20 (S105). The storage device stores, for example, information in which the type of information indicating that an operation has been performed and the content to be provided are associated with each other, and the service information acquisition unit 121 refers to this information to provide it. Determine content.

The service server 200 acquires information to be included in the widget area according to the information in S100B (S107). Next, the service server 200 transmits information to be included in the widget area to the payment application 20 (S109). For example, the storage device of the service server 200 stores information in which the type of information indicating that the operation of S100B has been performed is associated with information to be included in the widget area. The service server 200 identifies information to be included in the widget area, for example, by referring to the above information. The information transmitted in S100B described above may include identification information (account ID, etc.) for identifying the user of the payment application 20 . The service server 200 holds the correspondence relationship between the transmitted identification information and the identification information for identifying the user in its own device corresponding to the identification information, and the information of the user corresponding to the transmitted identification information. can be specified. Next, the payment application 20 causes the display unit to display content generated using the content obtained from the payment server 100 and the information obtained from the service server 200 (S111). The process when the user operates the activation button for activating the mini-appli 30 in the widget area of the content is the same as in FIG.

Further, for example, if the operation of S100A corresponds to the processing of user consent at the time of initial activation in FIG. 9, the operation of S100B may be omitted if user consent is obtained at the time of initial activation in S100A. Also, in S105, the settlement server 100 may transmit the widget area (empty content), and the service server 200 acquires information to be included in the widget area in response to the operation in S100A (S107), and transmits information to be included in the widget area. You may transmit (S109). At this time, the service server 200 may transmit the information to be included in the widget area, for example, in response to obtaining the above consented information from the payment server 100 or the payment application 20 . Thereafter, the processes of S107 and S109 may be performed when a predetermined event such as updating of user information occurs.

In the above process, if consent to obtain information from the service server 200 has not been obtained, the payment application 20 does not have to transmit information indicating that an operation has been performed to the service server 200. If the service server 200 has information on the presence or absence of consent, the service server 200 may recognize that the user has not obtained consent. Also, the payment application 20 may inquire of the payment server 100 about the presence or absence of consent. In this process as well, if consent is not given, for example, the content shown in FIG. provide said content to said user and, if said user does not agree, provide said user with content that includes information that facilitates the use of said provided service that does not include said unique information").

In this process, it is assumed that payment application 20 transmits information indicating that an operation has been performed to service server 200-1. You may change the service server 200 which transmits the information which shows. For example, the payment application 20 may determine the destination by referring to the information in which the type of operation stored in the storage device is associated with the destination service server 200-1.

In addition, the payment server 100 may provide authentication information such as an access token to the service server 20 or the payment application 20 at a preparatory stage for performing the above process or at a predetermined stage. Between the payment server 100, the service server 200, and the payment application 20, the user may be specified or identified using authentication information.

In addition, in response to an inquiry from the service server 200, the settlement server 100 may provide the service server 200 with information corresponding to the inquiry. For example, when the user operates the payment application 20 or the mini application 30 and instructs the service server 200 to exchange electronic payment service points for points operated or managed by the service server 200, the service server 200: An inquiry is made to the payment server 100 about the electronic payment service points held by the user. For example, the service server 200 provides the inquiry result to the user, and when the user performs an operation instructing exchange, the electronic payment service points held by the user are exchanged for points operated or managed by the service server 200. Information indicating that is notified to the settlement server 100 . The points operated or managed by the payment server 100 are exchanged for points operated or managed by the service server 200 .

As described above, the payment application 20 can provide the user with content including specific information in the setting area. As a result, the user can obtain useful information and the user's convenience is improved.

In addition, this processing includes "information corresponding to the specific information to be included in the setting area of the content and to be displayed on the display unit of the terminal device together with the specific information of the setting area or in place of the specific information. It may be obtained from the payment server and displayed on the display unit of the user's terminal device, including the obtained information. For example, in the example of point exchange, content including information indicating post-exchange points may be displayed in the setting area of the content where the points were displayed, together with the points before exchange or in place of the points before exchange. good.
As described above, the setting area may include information obtained from the settlement server 100 together with the specific information obtained from the service server 200. may include information obtained from the payment server 100.

Also, in the above example, the specific information is provided to the user according to the user's operation. Information to be included in the area may be provided from the service server 200, and the payment application 20 may provide the user with content in which the provided specific information is included in the widget area.

[Processing flow (Part 3)]
FIG. 16 is a diagram showing another example of the flow of processing regarding provision of content. The description will focus on the differences from FIG. 14 . In this process, the payment application 20 acquires information associated with the user from the service server 200 .

First, when an operation is performed on the payment application 20, the payment application 20 transmits information indicating that the operation has been performed to the payment server 100 (S130). Next, the service information acquisition unit 121 identifies information to be included in the content to be provided according to the information in S1030 (S132), and transmits the identified content to the payment application 20 (S134). The storage device stores, for example, information in which the type of information indicating that an operation has been performed is associated with the content to be provided, and the service information acquisition unit 121 refers to this information to obtain the content to be provided. decide.

Next, the service information acquisition unit 121 identifies the service server 200 that provides information to be included in the widget area (S136). The storage device stores, for example, information in which the type of information indicating that an operation has been performed is associated with the identification information of the service server 200 that provides the information to be included in the widget area. , the service server 200 is specified by referring to this information.

Next, the service information acquisition unit 121 requests the identified service server 200 to provide information (S138). Next, the service server 200 acquires the requested information (S140), and transmits the acquired information (information to be included in the widget area) to the payment application 20 (S142). For example, the service server 200 acquires destination information from the settlement server 100 and transmits the acquired information to the settlement application 20 corresponding to the acquired destination. Next, the payment application 20 causes the display unit to display content generated using the content obtained from the payment server 100 and the information obtained from the service server 200 (S144). The process when the user operates the activation button for activating the mini-appli 30 in the widget area of the content is the same as in FIG.

As described above, the payment application 20 can provide the user with content including specific information in the setting area. As a result, the user can obtain useful information and the user's convenience is improved.

[Specific example of content (1)]
The payment content providing unit 122 provides the user with an interface image having a widget area containing user information managed by a point management server (service server 200) that provides a point management service and an auction server (service server 200). FIG. 17 is a diagram showing an example of the interface image IM4. The interface image IM4 is provided to the user, for example, when charging electronic money. Interface image IM4 includes widget area AR4 and widget area AR5.

The widget area AR4 includes user information (point information) managed by the point management server. The user information managed by the point management server is points held by the user. For example, when the user operates the widget area AR4 displaying "exchange the full amount" or "enter the amount and exchange", the mini-application 30 linked with the point management server included in the payment application 20 is activated. , starts up and communicates with the point management server to provide services. As a result, the user can exchange the points managed by the point management server for electronic money in the electronic payment service via the mini application 30 .

The widget area AR5 includes user information (for example, sales information) managed by the auction management server. The user information managed by the auction management server is the points (or electronic money) owned by the user. The points held by the user are, for example, points according to the user's sales in an auction managed by the auction management server. For example, when the user operates the widget area AR5 displaying "Charge full amount" or "Charge by inputting the amount", the mini-application 30 linked with the auction management server included in the payment application 20 is activated. , starts up and communicates with the auction management server to provide services. As a result, the user can exchange the points managed by the auction management server for electronic money in the electronic payment service via the mini application 30 . Information on a flea market service server that provides flea market services may be included in the widget area AR5 instead of the auction server.

[Specific example of content (2-1)]
The payment content providing unit 122 is an interface having a widget area containing user information managed by the shopping management server (service server 200) and the service server 200 (member store server) of a predetermined member store (restaurant in FIG. 18). Serve the image to the user. FIG. 18 is a diagram showing an example of the interface image IM5. The interface image IM5 is provided to the user, for example, when providing the transaction history (including the payment completion screen) using the payment service. Interface image IM5 includes widget area AR6 and widget area AR7.

The widget area AR6 contains user information managed by the shopping server. The user information managed by the shopping server is the delivery status of the product ordered by the user in the shopping service operated by the shopping server. The delivery status is, for example, information indicating whether the product is in the shop, has been shipped, is being delivered, or has been delivered. For example, when the user operates the widget area R6 displaying "more shopping service transaction history", the mini-application 30 linked with the shopping server included in the payment application 20 is activated to start shopping. Communicate with the server to provide services. As a result, the user can browse the transaction history managed by the shopping server via the mini application 30 .

Widget area AR7 includes user information managed by service server 200 . The user information managed by the service server 200 is the order history of orders placed by the user. The order history ordered by the user is, for example, products ordered by the user via the service server 200 . For example, the user can operate the mini-appli 30 to place an order for a product via the service server 200 without visiting the store, and receive the ordered product at the store. For example, this order history is displayed in area AR7.

For example, when the user operates the widget area AR7 displaying "see more transaction history of restaurant XX", the mini application 30 included in the payment application 20 and cooperating with the service server 200 is activated. , communicates with the service server 200 to provide services (detailed transaction history). For example, when the user operates a "reorder button" next to a previously ordered product in the widget area AR7, the mini-application 30 linked with the service server 200 included in the payment application 20 is activated and the service server The user can easily reorder the item in communication with 200 and corresponding to the reorder button. As a result, the user can easily check and utilize the information managed by the service server 200 via the mini app 30 .

[Concrete example of content (2-2)]
The widget area may include recommended products according to the transaction history, store information according to the user's current location, and the like (see FIG. 22 described later). FIG. 19 is a diagram showing another example of information included in the widget area AR8.

The recommended product according to the transaction history is the product selected by the service server 200 based on the user's transaction history. The information on stores near the user's current location is information on stores selected by the service server 200 based on the user's location information. The store information includes, for example, the name and location of the store, a button for displaying a map of the store, a button for ordering products at the store, and the like. The service server 200 provides information to the mini app 30 according to user's operations. The location information used by the service server 200 is location information provided by the payment server 100 , and is information acquired by the payment application 20 at predetermined intervals and provided to the payment server 100 .

[Concrete example of content (3)]
The payment content providing unit 122 provides the user with an interface image having a widget area including user information managed by the meal delivery service operating server (service server 200). FIG. 20 is a diagram showing an example of the interface image IM6. The interface image IM6 is displayed on the home screen provided by the payment application 20. FIG. The home screen is a screen provided immediately after the payment application 20 is activated. The interface image IM6 includes, for example, information such as the delivery status of the product ordered by the user through the meal delivery service and messages provided by the delivery staff. For example, when the user operates the area labeled "See more" in the widget area AR9, the mini-application 30 linked with the meal delivery service operation server included in the payment application 20 is activated to operate the meal delivery service. Communicate with the server to provide services. As a result, the user can browse the transaction history managed by the meal delivery service management server via the mini-application 30 .

[Concrete example of content (3)]
The payment content providing unit 122 provides the user with an interface image having a widget area including user information managed by the restaurant information providing service server (service server 200). FIG. 21 is a diagram showing an example of the interface image IM7. The interface image IM7 is provided, for example, when the user operates the payment application 20 to provide the user with information on stores registered in the favorites list. Interface image IM7 includes widget area AR10 and widget area AR11.

The widget area AR10 includes information corresponding to the user managed by the restaurant information providing service server. The information corresponding to the user managed by the restaurant information providing service server is information on restaurants included in the favorite list. This restaurant is affiliated with a restaurant information providing service. The restaurant information is, for example, information on dates (vacant seat information) that can be reserved in the restaurant. For example, when a desired date and time in the widget area AR10 is operated, the mini-application 30 that cooperates with the restaurant information providing service server included in the payment application 20 is activated and communicates with the restaurant information providing service server to provide the service. As a result, the user can make a reservation for use of a restaurant in cooperation with the restaurant information providing service server via the mini application 30 .

The widget area AR11 includes information corresponding to the user managed by the restaurant information providing service server. The restaurant information is, for example, information on dishes offered at the restaurant and information on products that can be taken out (takeout information). For example, when a button for ordering a product in the widget area AR11 is operated, the mini-application 30 linked with the restaurant information provision service server included in the payment application 20 is activated and communicates with the restaurant information provision service server to provide the service. I will provide a. As a result, the user can order products from the restaurant in cooperation with the restaurant information providing service server via the mini application 30 .

In addition, the widget area AR11 or AR12 may include the required time and distance from the user's current location to the store, the time until the product is completed when the product is ordered, and the like. The user's location information is information acquired by the payment application 20 at predetermined intervals as described above (see FIG. 22 described later).

In the above-described content examples (1) to (3), the payment server 100 provides the payment application 20 with information to be included in the widget area. , the payment application 20 may acquire information to be included in the widget area from the service server 200 . Also, part or all of the processing performed by the payment server 100 described above or later may be performed by the payment application 20 or the service server 200 .

[Specific example of use of user location information (part 1)]
FIG. 22 is a diagram illustrating an example of the flow of processing regarding use of location information. The description will focus on the differences from FIG. 16 described above. The payment application 20 transmits location information of the user terminal device 10 to the payment server 100 at predetermined intervals (S101). The settlement server 100 requests the service server 200 to provide information together with the location information (S105).

The service server 200 acquires the requested information using the location information (S106), and transmits the acquired information to the settlement server 100 (S108). As a result, the user is provided with an interface image in which the information utilizing the position information is included in the widget area.

[Specific example of use of user location information (part 2)]
FIG. 23 is a diagram illustrating another example of the flow of processing regarding use of location information. The description will focus on the differences from FIG. 15 described above. The payment application 20 transmits the location information of the user terminal device 10 to the service server 200 at predetermined intervals (S100C).

The service server 200 acquires information to be included in the widget area using the position information (S107#), and transmits the acquired information to the settlement server 100 (S109#). As a result, the user is provided with an interface image in which the information utilizing the position information is included in the widget area.

As described above, the payment application 20 uses the location information to provide the user with a service linked with the map information. For example, the payment application 20 provides information that associates the location of the user with the location where the user can receive services in the map information (for example, information indicating the location where the user terminal device 10 can be charged), It provides information indicating the time at which the service can be received at the position or the position specified by the user (for example, the time at which the dispatched vehicle can arrive).

(About dispatch service)
An example of utilizing location information in a dispatch service will be described below. The payment content providing unit 122 provides the user with an interface image having a widget area containing information corresponding to the user managed by the dispatch service server (service server 200).

FIG. 24 is a diagram showing an example of an interface image IM8. The interface image IM8 is displayed on the home screen provided by the payment application 20. FIG. The interface image IM8 includes, for example, information about vehicles (for example, taxis) that can be arranged in the dispatch service, information about the time until the taxis arrive at the user's current location, and the like. For example, when the user operates the area labeled "YES" in the widget area AR10, the mini-application 30 included in the payment application 20 and cooperating with the vehicle dispatch service server is activated and communicates with the vehicle dispatch service server. provide services; As a result, the user can request the dispatch service to dispatch a vehicle via the mini application 30 .

FIG. 25 is a flowchart showing an example of the flow of processing executed by the settlement server 100. As shown in FIG. For example, when it is estimated that the user is not at home (when it is estimated that the user is going out), the payment server 100 provides the user with content including information on dispatch in the widget area. If so, provide the user with content that differs from the above content. This processing may be executed by the dispatch service server (service server 200) instead of the settlement server 100. FIG.

First, the information management unit 126 of the payment server 100 determines whether or not it is time to provide an interface image including a widget area of the dispatch service (S200). If it is the provision timing, the information management unit 126 acquires the location information provided by the payment application 20 (S202). For example, this location information is the most recently transmitted location information.
For example, position information is associated with information indicating the time when it was acquired, and when only position information obtained a predetermined time or more before the current time is obtained, the information management unit 126 determines the reliability of the user's position. is not high, and the process of step S208 may be performed.

Next, the information management unit 126 determines whether or not the user's position is away from home by a first distance or more and within a second distance (S204). The settlement server 100 holds information about the user's home or location information that is presumed to be the user's home. Instead of the home, the settlement server 100 may determine whether or not the location is at least a first distance away from a predetermined location (for example, workplace) and within a second distance. A first distance or more and a second distance or less is, for example, a distance at which a vehicle dispatched at a set price can reach the home. The set amount may be variable for each user. For example, an amount such as several thousand yen or tens of thousands of yen may be set depending on the user's usage history of the dispatch service. Note that, in the above example, the determination regarding the condition within the second distance may be omitted.

If the user's position is at least the first distance away from his/her home and within the second distance, the information management unit 126 determines to include information on the dispatch service in the widget area (S206). For example, when the user is located several stations away from his/her home, information on the dispatch service is provided, and the user can arrange dispatch with a simple operation.

If the user's position is away from home by the first distance or more and not within the second distance, the information management unit 126 determines to include information on other services (or information such as advertising for a ride-hailing service) in the widget area. (S208). This completes the processing of one routine in this flow chart. For example, if the user's home is in Tokyo and the current location is Osaka, it is presumed that providing information on a dispatch service would not be useful, so information on other services is provided to the user. In this way, useful information for the user is provided. Note that part or all of the processing of the flowchart of FIG. 25 may be executed by the service server 200 or the payment application 20 . For example, the processing of steps S202 to S208 may be executed by the service server 200 or the payment application 20.

(About charging spot information service)
An example in which location information is utilized in the charging spot information provision service will be described below. The payment content providing unit 122 provides the user with an interface image having a widget area containing information corresponding to the user managed by the charging spot information providing service server (service server 200). The charging spot information providing server provides users with information on charging facilities for the user terminal device 10 or facilities where rental-type chargers are prepared, and provides users with rental-type charger rental services. are doing.

FIG. 26 is a diagram showing an example of the interface image IM9. The interface image IM9 is displayed on the home screen provided by the payment application 20. FIG. The interface image IM9 includes, for example, information indicating that the battery capacity of the user terminal device 10 has become equal to or less than a threshold, and information on nearby charging facilities. For example, when the user operates the area labeled "YES" in the widget area AR11, the mini-application 30 linked with the charging spot information providing server included in the payment application 20 is activated and the charging spot information providing server is activated. communicate with and provide services. As a result, the user can obtain information on facilities where charging is possible and information on facilities where chargers can be rented via the mini application 30 .

Payment server 100 or payment application 20 applies processing similar to the processing in FIG. Additionally, charging spot information may be provided to the user.

According to the embodiment described above, the payment server 100 or the payment application 20 is a service server that provides a service that is different from the electronic payment service used by the user and that is provided together with the electronic payment service. More useful information by acquiring from the device the unique information corresponding to the user managed by the service server device and providing the user with content containing the unique information in the setting area of the content provided in the electronic payment service. can be provided to the user.

[others]
The information contained in the widget area described above is an example, and the information corresponding to the user held by the service server 200 determined by the administrator who provides the settlement service, and the information determined by the administrator (member store) of the service server 200 Information corresponding to the user may be included in the widget area. The combination of the content provided by the payment application 20 and the payment server 100 described above and the information included in the widget area is an example, and other combinations may be applied. Also, the service corresponding to the mini app 30 described above is an example, and other services may be included.

[summary]
According to the present embodiment, for example, the payment server 100 or the payment application 20 can provide the user with information on member stores, tools used by the member stores, and promote the use of the mini app 30. I can do it. This will encourage the use of other services in addition to payment services. For example, the user can check user information held by the service server 200 (held by the member store) without operating the mini app 30 .
For example, the user is provided with information on payment services and information held by the member store at the same time, thereby improving convenience for the user.

According to the present embodiment, it is also suitable for member stores that provide services in settlement services. For example, use of the mini-app 30 is encouraged, or an increase in the number of payments made through the mini-app 30 is expected. Furthermore, merchants can improve user engagement with their services by providing useful tools to users.

This embodiment is also suitable for the administrator of the settlement server. For example, the payment server 100 or the payment application 20 can provide new monetization opportunities by providing merchant information in the widget area as described above. For example, in the services provided by the service server 200 or the payment application 20, it is expected that the use of electronic payment services will be promoted. Also, for example, each time content including member store information is provided in the widget area, or each time the user uses the service provided by the service server 200 via the information in the widget area, the member store will provide compensation. New monetization opportunities can be obtained by building a model that can

As described above, the mode for carrying out the present invention has been described using the embodiments, but the present invention is not limited to such embodiments at all, and various modifications and replacements can be made without departing from the scope of the present invention. can be added.

10 User terminal device 20 Payment application 30 Mini application 50 First store terminal device 60 Store code image 70 Second store terminal device 100 Payment server 121 Service information acquisition unit 122 Payment content providing unit 124 Payment processing unit 126 Information management unit 170 Storage Part 172 User information 173 Consent information 174 Payment content information 175 Widget information

Claims (20)

An application program that provides an electronic payment service in cooperation with a payment server,
to the computer,
When a user performs a predetermined operation on the application program, information indicating that the predetermined operation has been performed and user identification information are transferred from the payment server and one or more service server devices to the predetermined operation. A process of transmitting to the corresponding service server device;
a process of acquiring content provided by the payment server in response to the transmission;
a process of acquiring specific information corresponding to the user provided by the service server device in response to transmission;
a process of generating content including the specific information in a content setting area provided in the electronic payment service provided by the payment server;
a process of displaying the generated content on the display unit of the terminal device in which the application program is installed;
The service server device is a device that provides a service that is different from the electronic payment service used by the user and that is provided together with the electronic payment service,
The specific information is information corresponding to the user managed in the service server device,
application program. The specific information is derived based on the user's information related to the service provided by the service server device managed in the service server device or the user's location information obtained by the service server device from the application program. is information about the provided service,
The application program according to claim 1. The application program is
Acquiring from the payment server information corresponding to the specific information to be included in an area different from the setting area of the content and to be displayed on a display unit of a terminal device together with the specific information of the setting area;
displaying the content including the acquired information and the specific information on the display unit of the user's terminal device;
The application program according to claim 1. The application program is
providing the content including the specific information to the user if the user has consented to the provision of the content including the specific information;
If the user does not agree, providing the user with content containing information promoting use of the provided service that does not contain the specific information;
The application program according to any one of claims 1 to 3. The application program is
displaying an interface image related to an electronic payment service on the display unit of the terminal device of the user;
the interface image includes information about the electronic payment service and a use button for using one or more provided services;
after the use button is operated, causing the display unit to display an image asking whether or not to agree to cooperation between the provided service and the electronic payment service;
After that, the content including the specific information is provided to the user for whom the consent has been obtained, and the content not including the specific information is provided to the user for whom the consent has not been obtained. to provide to
The application program according to claim 4. The application program is
including a mini-app that uses the application program as a platform and provides the provided service to the user in cooperation with the service server device;
When the user for whom the consent has been obtained operates the use button of the interface image, the mini app starts up and cooperates with the service server device to provide to the user,
When the user who has not obtained the consent operates the use button of the interface image, the mini-app does not start, and an image asking whether or not to agree to cooperation between the provided service and the electronic payment service is displayed. displayed on the display unit;
The application program according to claim 5. The application program is
including a mini app that uses the application program as a platform and provides the user with the provided service in cooperation with the service server device;
The setting area includes a launch button for launching the mini app,
When the start button is operated, the mini app starts and cooperates with the service server device to provide the provided service to the user.
The application program according to claim 5. The service provided is an asset management service,
The application program is
acquiring asset management information related to the user's asset management from the service server device that provides the asset management service;
providing the user with the content including the asset management information in the setting area;
The application program according to claim 1. the service provided is a banking service;
The application program is
Acquiring bank information related to deposits, borrowings, or deposits and borrowings of the user from the service server device that provides the bank service;
providing the user with the content including the bank information in the setting area;
The application program according to claim 1. The service provided is a point management service,
The application program is
Acquiring point information about the points of the user from the service server device that provides the point management service;
providing the user with the content including the point information in the setting area;
The application program according to claim 1. The service provided is an operation service for operating an auction or a flea market,
The application program is
Acquiring sales information related to sales that the user has obtained by using the operating service from the service server device that provides the operating service;
providing the user with the content including the sales information in the setting area;
The application program according to claim 1. The service provided is a shopping service for selling products,
The application program is
obtaining delivery information indicating the delivery status of the product ordered by the user from the service server device that provides the shopping service;
providing the user with the content including the delivery information in the setting area;
The application program according to claim 1. The service provided is a sales service for selling products or services (hereinafter referred to as products, etc.),
The application program is
acquiring history information indicating a history of orders placed by the user from the service server device that provides the sales service;
providing the user with the content including products based on the history information in the setting area;
The application program according to claim 1. The service provided is an information provision service for restaurants that provides information on restaurants,
The application program is
Acquiring vacant seat information indicating vacant seats reserved for a restaurant registered by the user in the electronic payment service or take-out information regarding products that can be taken out from the service server device that provides the information providing service of the restaurant;
providing the user with the content including the vacant seat information or take-out information in the setting area;
The application program according to claim 1. The provided service is a vehicle allocation service that provides information on vehicle allocation,
The application program is
From the service server device that provides the vehicle dispatch service, the service server device acquires information on vehicle allocation based on the location information of the user provided by the application program and the location information of vehicles that can be dispatched. ,
providing the user with the content including information about the vehicle dispatch in the setting area;
The application program according to claim 1. The application program is
when it is estimated that the user is not at home based on the location information of the user and the location of the user's home, providing the user with the content including the information about the vehicle dispatch in the setting area;
When it is estimated that the user is at home based on the location information of the user and the location of the user's home, content different from the content including the information about the vehicle dispatch is displayed to the user in the setting area. to provide to
Application program according to claim 15. The provided service is a charging service that provides information on a facility where the battery of the mobile terminal device can be charged,
The application program is obtained from the service server device that provides the charging service based on the location information of the user provided by the application program and the location information of available charging facilities. Get information about charging facilities,
providing the user with the content including information about the charging facility in the setting area;
The application program according to claim 1. The application program is
When it is estimated that the user is not at home based on the location information of the user and the location of the user's home, the user is provided with the content including information about the charging facility in the setting area. ,
When it is estimated that the user is at home based on the location information of the user and the location of the user's home, content different from the content including information about the charging facility is displayed in the setting area. provide users with
Application program according to claim 17. The application program is
providing the electronic payment service in cooperation with an electronic payment application installed on the terminal device of the user;
including a mini app that uses the application program as a platform and provides the user with the provided service in cooperation with the service server device that provided the information included in the setting area;
The setting area includes a launch button for launching the mini app,
When the start button is operated, the mini app starts and cooperates with the service server device to provide the provided service to the user.
Application program according to any one of claims 8 to 18. A computer of a terminal device installed with an application program that provides an electronic payment service in cooperation with a payment server,
When a user performs a predetermined operation on the application program, information indicating that the predetermined operation has been performed and user identification information are transferred from the payment server and one or more service server devices to the predetermined operation. A process of transmitting to the corresponding service server device;
a process of acquiring content provided by the payment server in response to the transmission;
a process of acquiring specific information corresponding to the user provided by the service server device in response to transmission;
a process of generating content including the specific information in a content setting area provided in the electronic payment service provided by the payment server;
a process of displaying the generated content on the display unit of the terminal device in which the application program is installed;
The service server device is a device that provides a service that is different from the electronic payment service used by the user and that is provided together with the electronic payment service,
The specific information is information corresponding to the user managed in the service server device,
Information processing methods.

Images