JP7403704B1 - Electronic payment system, service provision method, and service provision system - Google Patents

Abstract

[Problem] To improve user convenience. [Solution] Based on location information obtained from an electronic payment application and location information of the set store acquired in advance, it is determined that the user has visited the set store or approached the set store, and When an operation is performed on the electronic payment application to read the code image, the computer executes a process of notifying the user of information prompting the user to obtain the voucher, and the voucher is provided by donation to the local government. The electronic payment server cooperates with the server device that processes the donation application to process the electronic payment when the user confirms the donor and the voucher grantor and performs the operation to obtain the voucher. An electronic payment system that associates a voucher with the wallet of a user who is a voucher granter on a server, and makes the voucher available for electronic payment services at a set store. [Selection diagram] Figure 4

Description

The present invention relates to an electronic payment system, a service providing method, and a service providing system.

Conventionally, coupons that are automatically applied in conjunction with payment processing using a predetermined payment method are accepted, and attribute information indicating the attributes of users who can acquire them is accepted, and only users with the attributes indicated by the accepted attribute information can acquire coupons. A management device that provides coupons is known (for example, see Patent Document 1).

Patent No. 6978569

However, the above-mentioned devices are sometimes inconvenient for users.

The present invention has been made in consideration of such circumstances, and one of the objects is to provide an electronic payment system, a service provision method, and a service provision system that can further improve user convenience. do.

One aspect of the present invention includes an electronic payment server and an electronic payment application that cooperates with the electronic payment server to provide an electronic payment service, and the electronic payment application has an expiration date set on a computer and An electronic voucher that can be used at a preset store among stores that can use the electronic payment service, and the user can use the voucher that can be used by the user at the set store to send the electronic payment server to the electronic payment server. and obtaining the voucher when the user visits the set store, approaches the set store, or is about to perform the electronic payment at the set store. a specific process for notifying the user of information prompting the user to select the set store based on the location information acquired from the electronic payment application and the previously acquired location information of the set store. When it is determined that the user has visited or approached the set store, and an operation for reading the code image of the set store is performed on the electronic payment application, information prompting the computer to acquire the set store is sent to the computer. The electronic payment server executes a process of notifying the user, the voucher is a voucher provided by donation to a local government, and the electronic payment server cooperates with the server device that processes the donation application to receive the donation from the user. When the user and the voucher grantor are confirmed and the acquisition operation is performed by the user, the voucher is associated with the wallet of the user who is the voucher grantor of the electronic payment server, and the voucher is transferred to the This is an electronic payment system that allows the above-mentioned electronic payment service to be used at a set store.

According to one aspect of the present invention, it is possible to provide an electronic payment system, a service providing method, and a service providing system that can improve user convenience.

1 is a diagram illustrating an example of a configuration for realizing an electronic payment service. FIG. 1 is a sequence diagram (Part 1) illustrating the general flow of electronic payment. FIG. 2 is a sequence diagram (Part 2) illustrating the general flow of electronic payment. FIG. 1 is a configuration diagram of a payment server 100 according to a first embodiment. 3 is a diagram showing an example of the contents of user information 172. FIG. It is a diagram showing an example of the contents of member store/store information 176. FIG. 2 is a diagram for explaining an overview of services using vouchers. It is a figure showing an example of the flow of processing in which a voucher is given. It is a figure which shows another example of the flow of a process by which a voucher is provided. 2 is a diagram showing an example of an interface screen IF1 that the payment application 20 displays on the display unit of the user terminal device 10. FIG. 3 is a diagram illustrating another example of an interface screen IF2 that the payment application 20 displays on the display unit of the user terminal device 10. FIG. 3 is a diagram showing another example of an interface screen IF3 that the payment application 20 displays on the display unit of the user terminal device 10. FIG. FIG. 6 is a diagram illustrating an example of the transition of an interface screen when a store scan is performed. FIG. 6 is a diagram illustrating an example of transition of an interface screen when a user scan is performed. FIG. 2 is a sequence diagram illustrating the general flow of electronic payment when using a voucher. It is a diagram showing an example of an interface screen IF31 on which only vouchers that can be used at the store are displayed. It is a figure for demonstrating the process regarding a regional promotion ticket. It is a figure for demonstrating the process regarding a meal ticket. It is a figure for demonstrating the process regarding a gift voucher. 3 is a diagram showing an example of an interface screen IF32 that the payment application 20 displays on the display unit of the user terminal device 10. FIG. 4 is a diagram showing interface screens IF41 and IF42 displayed on the display unit of the user terminal device 10. FIG. The interface through which the user inputs search conditions is a screen IF 43. The interface through which the user inputs search conditions is a screen IF 44. It is a diagram showing a notification interface screen IF45. It is a diagram showing an interface screen IF46 including recommendation information. FIG. 2 is a sequence diagram illustrating an example of the flow of processing executed by the payment system. It is a diagram showing an interface screen IF47 in which the electronic payment method is automatically set to voucher. It is a diagram showing an interface screen IF48 that recommends the purchase of a voucher to the user. It is a diagram showing interface screens IF51-53. It is a diagram showing an interface screen IF60 displayed on the display unit. FIG. 2 is a sequence diagram illustrating an example of the flow of processing executed by the payment system. It is a diagram showing an interface screen IF61 displayed on the display unit. FIG. 2 is a sequence diagram illustrating an example of the flow of processing executed by the payment system. FIG. 6 is a diagram for explaining notifications or settings regarding vouchers at the time of user scan and store scan.

<First substantial form>
DESCRIPTION OF THE PREFERRED EMBODIMENTS Embodiments of an electronic payment system, a service providing method, and a service providing system of the present invention will be described below with reference to the drawings. The application program and the payment server work together to provide electronic payment services. In the following description, the application program will be referred to as a payment application. An electronic payment service is a service that supports payments for purchases of products and services at stores. A store is, for example, a physical store (actual store) that exists in real space, but may also include a virtual store for electronic commerce. Virtual stores may include those provided by entities different from the operator of the electronic payment service. In this case, when paying for shopping at the virtual store, the screen is controlled to transition to an interface screen of the electronic payment service. In electronic payment services, a store is treated as belonging to a member store (brand), and processing such as payment when purchasing at a store is mainly carried out between the user (user) and the member store. be exposed. Alternatively, processing such as payment may be performed between the user and the store.

[Electronic payment service]
FIG. 1 is a diagram illustrating an example of a configuration for realizing an electronic payment service. The electronic payment service is realized mainly by the payment server 100. The payment server 100 communicates with each of the one or more user terminal devices 10, the one or more first store terminal devices 50, the one or more second store terminal devices 70, and the service server 200, for example, via the network NW. . The network NW includes, for example, the Internet, a LAN (Local Area Network), a wireless base station, a provider device, and the like. Payment server 100 is an example of a "service providing device."

The user terminal device 10 is, for example, a portable terminal device such as a smartphone 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, the 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. The user terminal device 10 operates in cooperation with the payment server 100 to provide electronic payment services to the user by executing the payment application 20 by a processor such as a CPU. The payment application 20 is installed on the user terminal device 10 from an application store, for example, and controls a camera, a communication device, a touch panel, and the like.

The first store terminal device 50 is installed in a store, for example. 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 a product price acquisition function and an optical reading function. The store code image 60 is placed in a store, and a code image (code information) such as a QR code (registered trademark) or barcode is printed on a paper or plastic medium. Note that the store code image 60 may be displayed on a display (or a display of a terminal device such as a smartphone) placed in the store.

The second store terminal device 70 is used by an operator of a member store. The second store terminal device 70 is a smartphone, a tablet terminal, a personal computer, or the like. In the second store terminal device 70, an interface 72 for member stores operates. The member store interface 72 may be an application for member stores or may be a browser. The member store interface 72 receives coupon settings and the like from the member store operator and transmits them to the payment server 100. The second store terminal device 70, which is a smartphone, has the function of displaying a code image corresponding to the store code image and reading the 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 store terminal device 50. The first store terminal device 50 may include a POS device and a member store server, in which case payment information is transmitted from the POS device to the payment server 100 via the member store server. In the following description, it is assumed that payment information is transmitted from the first store terminal device 50 without making any particular distinction.

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

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 store code image 60 using an optical reading function (S1). The store code image 60 includes information on a store URL (Uniform Resource Locator). This store URL is the domain of the electronic payment service added with information that can identify the store, and is associated with member store IDs, store IDs, etc. in the payment server 100 (described later). The payment application 20 transmits first payment information including the store URL and account ID to the payment server 100 (S2). The payment server 100 searches for store information (described later) from the member store ID and store ID corresponding to the store URL, obtains the member store name and store name information (S3), and sends the information to the payment application 20 (S4). . The user inputs the payment amount into the user terminal device 10 on the screen on which the member store name and store name are displayed (S5). Then, the user terminal device 10 generates second payment information including at least the payment amount and transmits it to the payment server 100 (S6). The payment server 100 performs electronic payment based on the received second payment information (S7). Then, the payment server 100 transmits a payment completion notification (information for displaying the payment completion screen) to the payment application 20 (S8), and the payment application 20 displays the payment completion screen (S9). Note that when the store code image 60 is displayed on a display placed in a store, the store code image 60 may include not only the store URL but also information on the payment amount. In this case, the step for the user to input the payment amount is omitted, and the first payment information includes information on the payment amount and is sent to the payment server 100. Information on the member store name and store name 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, when the payment application 20 is started, when a payment operation is performed on the payment application 20, and when the automatic update timing (for example, every minute) is reached. , and at other timings, the payment application 20 transmits a one-time code (information for identifying or specifying the user) issuance request to the payment server 100 (S11). The payment server 100 generates a one-time code (S12) and sends 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 store terminal device 50, and the first store terminal device 50 decodes the code image using an optical reading function and acquires a one-time code etc. S15). Then, the first store terminal device 50 generates payment information including a one-time code, payment amount, member store ID, store ID, etc., and transmits it to the payment server 100 (S16). Information on the payment amount is obtained in advance by barcode reading, manual input, etc. The payment server 100 identifies the user corresponding to the one-time code based on the received information and performs electronic payment (S17). Then, the payment server 100 transmits a payment completion notification to the payment application 20 (S18), and the payment application 20 displays a payment completion screen (S19).

Note that electronic payment may be performed using only one of the above patterns. Further, the "account ID" explained in FIG. 2 may be other information (for example, a telephone number) that can be used as user identification information. Furthermore, the issuance of a 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 payment server 100 identifies the user corresponding to the account ID instead of identifying the user corresponding to the one-time code.

[Payment server]
FIG. 4 is a configuration diagram of the payment server 100 according to the first embodiment. The payment server 100 includes, for example, a communication section 110, a content provision section 120, a cooperation processing section 130, a granting section 140, a payment processing section 150, an information management section 160, and a storage section 170. Components other than the communication unit 110 and the storage unit 170 are realized by, for example, a hardware processor such as a CPU executing a program (software). Some or all of these components are hardware (circuit parts) such as LSI (Large Scale Integration), ASIC (Application Specific Integrated Circuit), FPGA (Field-Programmable Gate Array), and GPU (Graphics Processing Unit). (including circuitry), or may be realized by collaboration between 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 an HDD (Hard Disk Drive) or flash memory, or may be stored in a removable storage device 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 a drive device. A functional unit including the content providing unit 120, cooperation processing unit 130, and information management unit 160, or a portion of these functional units is an example of a “control unit”. The cooperation processing unit 130 is an example of an “acquisition unit”.

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 payment server 100 via a network. The storage unit 170 stores information such as user information 172, payment content information 174, and member store/store information 176.

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

The content providing unit 120 has, for example, the function of a web server, and provides the user terminal device 10 with information (content) for displaying various screens of the electronic payment service. The content providing unit 120 reads necessary content from the payment content information 174 as appropriate and provides it to the user terminal device 10. The user terminal device 10 receives various inputs from the user while the content is being played by the payment application 20, and transmits the above-mentioned payment information and the like to the payment server 100.

The cooperation processing unit 130 cooperates with the service server 200. Cooperation means that information can be sent, received, and shared between each other.

The granting unit 140 grants the electronic voucher to the user's payment application 20. Granting means, in an electronic payment service, to associate a voucher with user identification information so that the user can use the associated voucher in the payment application 20. The nature of the voucher in this case is different from, for example, a coupon that is provided free of charge, and is given in exchange for consideration. The voucher is, for example, an electronic voucher that has a set expiry date and can be used at a preset store among stores that can use electronic payment services.

The payment processing unit 150 performs payment processing based on payment information transmitted by the user terminal device 10 or the first store terminal device 50. The payment processing unit 150 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. 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, deferred payment setting, deferred payment limit, deferred payment. Information such as usage amount, available deferred payment amount, voucher information, payment method settings, bank account, credit card number, charge history information, payment history information, etc. are associated with each other. The user URL is used for remittance processing between users. When registering for a new electronic payment service, it is mandatory to register a phone number and password. The account ID is issued to the user by the payment server 100, and the user ID is an ID that can be arbitrarily set (or does not need to be set) by the user. Similarly, the e-mail address, name, address, and date of birth are also information that can (or does not need to be) set arbitrarily by the user. The registration date is the date the user registered with the electronic payment service (the date the account was created). Hereinafter, the user instance (electronic payment account) to which these pieces of information are associated will be referred to as an account.

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 business (bank), remittance from a registered bank account, etc. The deferred payment setting is information indicating whether the settings for enabling electronic payment by deferred payment have been completed, and is set to either "completed" or "not yet". The deferred payment allowance is the maximum amount of deferred payment that can be used each month, the deferred payment usage amount is the amount of deferred payment that has already been used in the current month, and the available deferred payment amount is calculated by subtracting the deferred payment usage amount from the deferred payment allowance. , is the amount of deferred payment available for the current month. In the figure, only one deferred payment limit is shown, but in reality, there are additional daily upper limit amounts, and the lower of these may be set as the deferred payment limit.

The voucher information includes some or all of the voucher expiration date, available amount, information on stores where the available amount is available, information on available cities, wards, towns and villages, voucher identification information, etc. In addition, the voucher information is associated with the available amount (balance) for each voucher. When a voucher is used, the usage amount is subtracted from the available amount, and the reduced amount is managed as the available amount. be done.

The payment method setting is, for example, setting information indicating whether the user at that time performs electronic payment using the charge balance, payment by deferred payment, or payment by voucher. The bank account and credit card number are each information about a bank account or credit card number (account number, card number) that can be used to deposit money into the electronic payment service. The charging history information is a history of the user increasing the charging balance by remitting money to the electronic payment service in advance. The payment history information is information that shows details of the payments made by the user (date and time, store ID of the store where the purchase was made, payment amount, payment method, etc.) for each payment.

FIG. 6 is a diagram showing an example of the contents of the affiliated store/store information 176. The affiliated store/store information 176 includes, for example, a first table 176A in which affiliated store IDs and store IDs are associated with store URLs, and affiliated store names and sales proceeds (described above) are associated with affiliated store IDs. 176B, and a third table 176C in which store IDs are associated with store IDs. For example, in the third table 176C, information on available vouchers (for example, voucher identification information) is associated with store IDs. In addition to this information, the member store/store information 176 may also include information on the category (industry) of the member store or store, the location of the store, and the payment pattern.

The information management unit 160 manages user information 172 and member store/store information 176 based on information acquired from the user terminal device 10 and the second store terminal device 70. The information management unit 160 adds, edits, deletes, etc. new records for the user information 172 and member store/store information 176.

[Electronic payment]
When payment information is acquired from the user terminal device 10 or the first store terminal device 50, the payment processing unit 150 refers to the user information 172 and acquires the "payment method setting" of the user. The payment processing unit 150 performs electronic payment as described below for a user whose "payment method setting" is set to "charge balance". The payment processing unit 150 performs electronic payment by, for example, decreasing the charge balance managed in association with the user ID and increasing the item value of the member store's sales proceeds. For example, the item value of the sales proceeds of a member store is not used as electronic money itself, but the amount corresponding to the item value of the sales proceeds is determined in a cycle according to the agreement between the member store and the electronic payment service. Money will be transferred to your bank account.

The payment processing unit 150 performs electronic payment as follows for users whose "setting information" is set to "deferred payment." Deferred payment is set up separately from "credit payment" in collaboration with a credit card company, which is a separate entity from the operator of the electronic payment service, and the operator of the electronic payment service is the creditor. , which allows electronic payments that do not depend on the charge balance within the deferred payment limit. Note that in order to receive the deferred payment service, the user may be required to obtain a credit card provided by the operator of the electronic payment service. The amount used for deferred payment is paid in one month's worth on the next month's payment date, for example, by debiting from a bank account. In this case, the payment processing unit 150 performs provisional payment by adding the payment amount to the deferred payment usage amount and subtracting the same amount from the deferred payment usage amount, and on the closing date, the payment for the current month is transferred to the next month's payment date as described above. Process to withdraw the money. Note that if the payment amount exceeds the available deferred payment amount at the time of provisional payment, an error notification is sent back to the payment application 20.

The payment processing unit 150 performs electronic payment as follows for the user whose "setting information" is set to "voucher". The payment processing unit 150 performs electronic payment by decreasing the usable amount of the voucher managed in association with the user ID and increasing the item value of the member store's sales proceeds.

The information management unit 160 acquires information on the user's operations on the payment application 20. For example, information on the payment method (payment method) selected by the user by operating the payment application 20, information on the voucher selected by the user, etc. is acquired and managed.

[Service server]
The service server 200 cooperates with the payment server 100 or the payment application 20 to provide services to users. In this embodiment, the service server 200 will be described as providing a service related to hometown tax donations to the user, but instead of (in addition to) this, the service server 200 may provide other services. Other services are, for example, services corresponding to mini-applications described later. The service related to hometown tax payment, for example, provides a service in which a user pays hometown tax on his/her behalf. For example, it is a service that accepts hometown tax payments from users and provides users with products (including vouchers) in accordance with hometown tax payments. Other services include, for example, food delivery services, taxi dispatch services, and shopping services.

[Services using vouchers]
In this embodiment, services using vouchers are provided to users. FIG. 7 is a diagram for explaining an overview of services using vouchers. In this embodiment, the voucher is a voucher obtained by paying hometown tax. This voucher can be used at stores, products or services eligible for hometown tax donations.

When a user pays hometown tax using the service provided by the service server 200, the payment server 100 that cooperates with the service server 200 gives a voucher to the user's payment application 20. The user can use the voucher within the payment application at stores where the voucher can be used.

[Specific example of the process by which a voucher is granted (Part 1)]
FIG. 8 is a diagram illustrating an example of the flow of processing for giving vouchers. This process will be described assuming that the payment is made using the payment application 20.

First, in the service provided by the service server 200, the user performs an operation to purchase a voucher for a predetermined local government (operation related to donation payment), and then uses the payment application 20 to settle the donation amount. When the payment application 20 is selected, the payment application 20 is started (S10). When the user inputs the donation amount and performs a payment operation on the activated payment application 20, the payment server 100 performs the payment (S12). In S10 and S12 above, the service server 200 and the payment server 100 cooperate. Cooperation means, for example, that the service server 200 and the payment server 100 share identification information of users who have made payments with each other, content of processing related to payments, and the like. The user identification number may be an account ID or a user ID, or may be another identification number that allows the service server 200 and payment server 100 to identify the user.

Next, the service server 200 transmits a voucher issuance request to the payment server 100 (S14). The issuance request includes user identification information (user ID), voucher identification information (voucher ID), amount granted, expiration date, information regarding available stores, and request ID (some information may be omitted). good). For example, the service server 200 determines the details of the voucher (stores where the voucher can be used, amount of money granted, and expiration date) according to the details of the donation selected by the user and the above-mentioned payment. Note that information regarding available stores may be omitted in the issuance request. In this case, it is sufficient that the storage unit 170 of the payment server 100 stores information in which information regarding available stores and voucher identification numbers are associated with each other.

Next, the payment server 100 provides a voucher in the user's payment application 20 in response to the request in S14 (S16). For example, the payment server 100 identifies the user based on the user's identification information included in the request ID, and provides a voucher to the payment application 20 (user) of the identified user.

Next, the payment server 100 returns the voucher granting result to the service server 200 using the request ID as a key (S18). As a result, the service server 200 prompts the user to include information indicating that a voucher has been given for the donation on the interface screen showing the donation history, and displays this interface screen on the display section of the user terminal device 10. Display (S18).

In this way, the service server 200 and the payment server 100 can cooperate to provide vouchers to users.

[Specific example of the process in which a voucher is granted (part 2)]
FIG. 9 is a diagram illustrating another example of the flow of the process in which a voucher is provided. This process will be described assuming that the payment is made without using the payment application 20. The explanation will focus on the differences from the process shown in FIG. 8 described above.

First, when a user selects to make a payment (donation payment) to purchase a voucher using a payment method different from the payment application 20 in the service provided by the service server 200, the user makes a payment using the selected payment method. is performed (S10A). At this time, the service server 200 includes buttons for account linkage and voucher acquisition on the donation history interface screen, and displays this interface screen on the display unit of the user terminal device 10. When the user operates the button (S11A), the service server 200 transmits a cooperation request to the payment server 100 (S11B). For example, when the button is operated, the payment application 20 transmits the user's identification number to the payment server 100.

Next, the payment server 100 returns the user's identification information to the service server 200 (S11C). Thereby, the service server 200 can acquire the identification number of the user who operated the button. Note that the display and operation of the above buttons may be omitted. In this case, for example, when the content of the target donation is selected, the service server 200 may automatically send a cooperation request to the payment server 100. The processing in S14-S18 is the same as the processing in S14-S18 in FIG. 9, so a description thereof will be omitted.

In this way, the service server 200 and the payment server 100 can cooperate to provide vouchers to users.

In the above example, the user purchases a voucher and the voucher is given to the user. However, instead of (or in addition to) this, the payment server 100 can communicate with the user in the service provided by the service server. obtains the request sent by the service server 200 when a different user performs an operation to purchase a voucher, and executes processing for granting the voucher to the specified user based on the obtained request. Good (see Figures 18 and 19). The designation is specified by, for example, the user's telephone number, account ID, or user ID.

[Interface screen when a voucher is granted (Part 1)]
FIG. 10 is a diagram showing an example of an interface screen IF1 that the payment application 20 displays on the display section of the user terminal device 10. The interface screen IF1 is the top screen of the payment application 20. A code image CD is displayed on the top screen IF1. The code image CD includes, for example, a barcode and a QR code. Further, along with the code image CD, a text ("Payment from Balance" in the figure) indicating whether electronic payment is to be made using the charge balance or deferred payment is displayed. This setting can be changed by a predetermined operation by the user.

Furthermore, a button (switch) m for starting a mini app is displayed. Note that the "switch" and "button" are GUIs (Graphical User Interfaces) realized in cooperation with the touch panel. The mini app is, for example, an app using the payment app 20 as a platform. The mini-application is, for example, an application program developed by a service provider who provides the service of the service server 200 to operate within the payment application 20. The service provider develops the mini-application by referring to an SDK (Software Development Kit), which is a program, technical documents, etc. for application development provided by the administrator of the payment application 20. The mini app is, for example, an app that operates while the payment app 20 is activated. For example, when the payment application 20 is installed, some or all of the mini-apps may be installed, or some or all of the mini-apps may be installed from a service server corresponding to the mini-app. For example, when the mini app starts, the mini app (payment app 20) accesses the service server 200, and the mini app and the service server 200 cooperate to provide a service to the user.

Furthermore, information indicating that a voucher has been given is displayed in area AR1 of interface screen IF1. For example, when the giving unit 140 gives a voucher, the content providing unit 120 causes the display unit of the user terminal device 10 to display an interface screen IF1 that includes information indicating that the voucher has been given in the area AR1. This allows the user to easily recognize that the voucher has been granted. When this area AR1 is operated (for example, tapped) by the user, the interface screen IF1 transitions to, for example, the interface screen IF2 in FIG. 11.

[Interface screen when a voucher is granted (Part 2)]
FIG. 11 is a diagram showing another example of the interface screen IF2 that the payment application 20 displays on the display unit of the user terminal device 10. On the interface screen IF2, for example, a list of granted vouchers is displayed together with a summary of the vouchers. The summary includes the type of voucher (for example, region where it can be used, city, town, village, etc.), expiration date, amount of money that can be used, etc. For example, when the user operates an area where "About this voucher" is displayed, the interface screen IF3 shown in FIG. 12 is displayed.

[Interface screen when a voucher is granted (Part 3)]
FIG. 12 is a diagram showing another example of the interface screen IF3 that the payment application 20 displays on the display unit of the user terminal device 10. The interface screen IF3 includes, for example, detailed information on the granted voucher. The detailed information includes, for example, areas where the voucher can be used, information about stores, and precautions regarding use.

As described above, when a voucher is given, the user can easily confirm the provision of the voucher and information regarding the voucher by operating the payment application 20.

[Use of voucher (store scan)]
FIG. 13 is a diagram showing an example of the transition of an interface screen when a store scan is performed. For example, when a user performs an operation for making a payment on the payment application 20, an interface screen IF11 is displayed on the display unit of the user terminal device 10. Information on the set payment method (settlement method) is displayed in the area AR11 of the interface screen IF11. When the user operates area AR11, an interface screen IF12 for selecting a payment method is displayed on the display unit.

For example, payment methods available to the user are displayed on the interface screen IF12. For example, it is displayed that payment methods using charge balance, voucher, deferred payment, and credit card can be selected. Note that if no voucher has been given, the display of the voucher is omitted. Furthermore, if the user has a voucher whose expiration date is less than a predetermined period (for example, less than two months), a message may be displayed urging the user to use the voucher.

This interface screen IF11 or IF12 displays, ``If the user performs an operation on the electronic payment app to make an electronic payment using the electronic payment service after the voucher is granted, the voucher will be used. ``An interface screen asking whether to make an electronic payment using the electronic payment service'' or ``If the user performs an operation on the electronic payment app to make an electronic payment using the electronic payment service after the voucher has been granted, This is an example of an interface screen for inquiring whether to perform electronic payment using the voucher or payment using the charge balance charged in the electronic payment service. "Operation for the user to perform electronic payment using the electronic payment service" is, for example, an operation for displaying code information (code image) including user identification information read by the first store terminal device 50. This is an arbitrary operation such as an operation or an operation for reading store code information including identification information of the first store terminal device 50. The "inquiry interface screen" is an interface screen that is displayed when displaying code information including user identification information, for example, after an operation to start the camera is performed or after the camera reads store code information. It is.

When the user selects a voucher as the payment method on the interface screen IF12, an interface screen IF13 is displayed on the display section of the user terminal device 10. A list of vouchers given to users is displayed on the interface screen IF13. When the user specifies a voucher (an example of a "first operation"), an interface screen IF14 in which the specified voucher is set as a payment method is displayed on the display unit. At this time, the setting content of the payment method in the user information 172 of the payment server 100 has also been changed to voucher.

The interface screen IF14 includes a code image and information (type, available amount) of the selected voucher. For example, the first store terminal device 50 reads the code image and transmits payment information including user identification information from the read code image to the payment server 100. The payment server 100 performs payment using a voucher specified by the user. That is, the payment server 100 performs electronic payment based on information associated with the voucher selected by the user (for example, expiration date, available amount, and information on stores where the voucher can be used).

For example, if (A) the voucher set as the payment method can be used at the store, and (B) the available amount of the voucher is greater than or equal to the payment amount, the payment server 100 completes the electronic payment and completes the payment. A completion notification is sent to the payment application 20. If the above conditions (A) or (B) are not satisfied, the payment server 100 transmits information indicating that the electronic payment cannot be completed to the payment application 20.

For example, if the condition (A) is not satisfied, the payment server 100 notifies one or both of the payment application 20 and the first store terminal device 50 of information indicating that the voucher cannot be used at the store. The payment server 100 determines whether the voucher can be used based on the information on the voucher that the user is trying to use and the information on available vouchers in the member store/store information 176. For example, if the voucher cannot be used at the store, the payment application 20 causes the display unit of the user terminal device 10 to display information indicating that the voucher cannot be used at the store. For example, the first store terminal device 50 causes the display unit of the first store terminal device 50 to display information indicating that the voucher cannot be used at the store. If the condition (B) is not met, information indicating that the available amount is less than the payment amount is similarly displayed on the display section of the user terminal device 10 (displayed on the display section of the first store terminal device 50). ).

As described above, the user can perform electronic payment using a voucher via the payment application 20.

In the above example, the payment server 100 (or the payment application 20) may determine the placement of the voucher on the interface screen IF13 based on the expiration date of the voucher. For example, the payment server 100 may arrange vouchers in the order of their expiry dates. For example, vouchers with near expiration dates are displayed in positions that are easy for users to recognize, such as at the top or center of the screen.

In the above example, the payment server 100 (or the payment application 20) acquires the location information of the user terminal device 10 from the payment application 20, and based on the location information and the information indicating the location where the voucher can be used, The position of the voucher on the interface screen IF13 may be determined, or the voucher to be displayed may be determined. For example, the storage unit 170 stores information in which vouchers are associated with location information where the vouchers can be used. Based on this information and the user's location information, the payment server 100 identifies vouchers that can be used at the user's location. For example, if the user is in Chiba Prefecture, the payment server 100 may preferentially (more prominently) display vouchers that can be used in Chiba Prefecture on the interface screen IF 23 than vouchers that can be used in Saitama Prefecture. However, it is not necessary to display vouchers that can be used in Chiba Prefecture on the interface screen IF23.

[Use of voucher (user scan)]
FIG. 14 is a diagram showing an example of the transition of an interface screen when a user scan is performed. For example, when a user operates the payment application 20 to read a store code image, an interface screen IF21 is displayed on the display unit of the user terminal device 10. For example, the payment server 100 obtains the reading result of the code image transmitted by the payment application 20, and identifies the store based on the obtained reading result. Information about the specified store is displayed on the interface screen IF14.

Information on the set payment method (settlement method) is displayed in the area AR21 of the interface screen IF21. When the user operates area AR21, an interface screen IF22 for selecting a payment method is displayed on the display unit. For example, payment methods available to the user are displayed on the interface screen IF22. For example, it is displayed that payment methods using charge balance, voucher, deferred payment, and credit card can be selected. Note that if no voucher has been given, the display of the voucher is omitted.

This interface screen IF21 or IF22 displays the message "If the user performs an operation on the electronic payment app to make an electronic payment using the electronic payment service after the voucher is granted, the voucher is ``An interface screen asking whether to make the electronic payment that was used'' or ``If the user performs an operation on the electronic payment app to make an electronic payment using the electronic payment service after the voucher has been granted.'' , an interface screen that inquires whether to perform electronic payment using the voucher or payment using the charge balance charged in the electronic payment service. "Operation for the user to perform electronic payment using the electronic payment service" is, for example, an operation for displaying code information (code image) including user identification information read by the first store terminal device 50. This is an arbitrary operation such as an operation or an operation for reading store code information including identification information of the first store terminal device 50. The "inquiry interface screen" is an interface screen that is displayed when displaying code information including user identification information, for example, after an operation to start the camera is performed or after the camera reads store code information. It is.

When the user selects a voucher as the payment method on the interface screen IF22, an interface screen IF23 is displayed on the display section of the user terminal device 10. A list of vouchers given to the user is displayed on the interface screen IF23. When the user specifies a voucher, an interface screen IF24 in which the specified voucher is set as the payment method is displayed on the display unit. At this time, the setting content of the payment method in the user information 172 of the payment server 100 has also been changed to voucher. Note that in electronic payment using the balance or other electronic payment, if the slide bar "Use bonus (points)" on the interface screen IF23 or IF24 is in the ON state, points are used in the electronic payment. In other words, electronic payment service points and vouchers can be used together. Further, the voucher may be able to be used in combination with other payment methods (for example, charge balance, credit card payment, deferred payment, etc.).

The interface screen IF24 includes an input field for inputting the payment amount and information (type, available amount) of the selected voucher. For example, when a user inputs an amount and operates a next button, a payment request is sent to the payment server 100. The payment server 100 performs payment based on the transmitted payment request, payment amount, and the like. At this time, as described above, the determinations of (A) and (B) and processing according to the determination results are performed.

In the above example, the payment server 100 (or the payment application 20) preferentially selects vouchers that can be used at the store ("information on vouchers that can be used at the store based on the code information captured by the user") on the interface screen IF23. Alternatively, displaying vouchers that cannot be used at the store on the interface screen IF23 may be omitted. The payment server 100 refers to the member store/store information 176, compares the vouchers that can be used at the store and the information on the vouchers given to the user, and displays the vouchers that can be used at the store and the information on the vouchers that have been given to the user. Identify the vouchers that cannot be used and perform the above processing.

In the above example, the payment server 100 (or the payment application 20) may determine the placement of the voucher on the interface screen IF23 based on the expiration date of the voucher. For example, the payment server 100 may arrange vouchers in the order of their expiry dates. For example, when there are multiple vouchers available at the store, the payment server 100 may lay out the vouchers on the interface screen based on the expiration dates of the available vouchers. For example, vouchers with near expiration dates are displayed in positions that are easy for users to recognize, such as at the top or center of the screen.

In the above interface screen IF12 or IF22, some information may be omitted. For example, an interface screen may be provided to the user asking whether to make an electronic payment using a voucher (for example, on the interface screen, whether to make a payment using part or all of the charge amount, deferred payment, credit card payment, etc.) may be provided to the user. may be omitted). Further, in the case where a shortage of payment amount occurs in electronic payment using a voucher, the insufficient payment amount may be electronically paid by other electronic payment (for example, charge amount, deferred payment, credit card). In this case, the payment server 100 may provide the user with an interface screen for inquiring which electronic payment method should be used to make the shortfall, or may use a preset electronic payment method. Electronic payment may also be made. Further, even if there is no shortage of payment amount, electronic payment using a voucher and other electronic payment (such as charge amount) may be performed.

[Processing when using voucher (user scan)]
FIG. 15 is a sequence diagram illustrating the general flow of electronic payment when using a voucher. The explanation will focus on the differences from FIG. 2. In the case of user scanning, the user terminal device 10 with the payment application 20 activated decodes the store code image 60 using an optical reading function (S1). The payment application 20 transmits first payment information including the store URL and account ID to the payment server 100 (S2).

Next, the payment server 100 searches for store information based on the member store ID and store ID corresponding to the store URL and obtains information on the member store name and store name (S3). Next, the payment server 100 identifies vouchers that can be used at the store among the vouchers given to the user (S3#), and sends the information obtained in S3 and S3# described above to the payment application 20. (S4).

The user selects a voucher on the screen displaying the member store name, store name, and available vouchers, and inputs the payment amount into the user terminal device 10 (S5). Then, the user terminal device 10 generates second payment information including at least the payment amount and transmits it to the payment server 100 (S6). The payment server 100 performs electronic payment based on the received second payment information (S7). The payment server 100 performs electronic payment by subtracting the payment amount from the amount available with the voucher, for example. Then, the payment server 100 transmits a payment completion notification (information for displaying the payment completion screen) to the payment application 20 (S8), and the payment application 20 displays the payment completion screen (S9).

[Interface screen showing only available vouchers]
FIG. 16 is a diagram showing an example of the interface screen IF31 on which only vouchers that can be used at the store are displayed. In FIG. 16, the user is attempting to make a payment at a store in City A. In this case, the payment server 100 uses the store URL acquired from the payment application 20 to identify vouchers that can be used at the store. Then, the payment server 100 causes the interface screen IF31 to display a voucher that can be used at the store specified from the store URL and that has been given to the user. Furthermore, when multiple usable vouchers are given, the vouchers with the closest expiry date are displayed preferentially.

As mentioned above, by preferentially displaying vouchers that are available and have a close expiration date, users can easily select vouchers that are available and should be used with priority. It can be used.

[Other examples (1)]
In the above example, the voucher was explained as being given for hometown tax payment, but instead of (in addition to) this, it may be a regional promotion ticket. FIG. 17 is a diagram for explaining processing related to regional promotion tickets. For example, when a user performs processing to purchase a regional promotion ticket in a service provided by a service server managed by or commissioned by a local government, the payment server 100 grants the regional promotion ticket to the user. Using the payment application 20, the user can use the regional promotion coupon at a store where the regional promotion coupon can be used. The payment server 100 awards points to the user for the above usage, and the user can use the points at stores where points can be used.

As described above, the processing in this embodiment can also be utilized in the management of regional promotion tickets.

[Other examples (2)]
In the above example, the voucher was explained as being given for hometown tax payment, but instead of (in addition to) this, it may also be a meal ticket used for welfare benefits or the like. FIG. 18 is a diagram for explaining processing related to meal tickets. For example, when a company performs processing for purchasing a meal ticket in a service related to meal tickets provided by a service server, the payment server 100 grants the meal ticket to an employee designated by the company. Employees can use the payment application 20 to use meal tickets at stores where they can be used. The payment server 100 gives points to the employee for the above usage, and the employee can use the points at stores where points can be used.

As described above, the processing in this embodiment can also be utilized in welfare programs using meal tickets and the like.

[Other examples (3)]
In the above example, the voucher was explained as being given for hometown tax payment, but instead of (in addition to) this, it may be a gift voucher that is given as a gift to a friend, relative, or the like. FIG. 19 is a diagram for explaining processing regarding gift vouchers. For example, when a user performs processing to purchase a gift voucher in a gift-related service provided by a service server, the payment server 100 grants the gift voucher to a friend designated by the user. For example, a user can specify a friend based on the friend's phone number or account ID. Using the payment application 20, the friend can use the gift voucher at a store where gift vouchers can be used. The payment server 100 gives points to the friend for the above usage, and the friend can use the points at stores where points can be used. Note that these points may be given to the person (user) who purchased the voucher.

As described above, the processing in this embodiment can also be used for gift vouchers.

Each of the above vouchers may or may not be usable with other payment methods. For example, when a user makes a payment for 12,000 yen, the payment server 100 may use a 10,000 yen voucher and a charge balance of 2,000 yen to make the payment. Instead, vouchers may be used to allow payments of up to 10,000 yen.

[Interface screen containing information encouraging purchase of voucher]
FIG. 20 is a diagram showing an example of the interface screen IF32 that the payment application 20 displays on the display unit of the user terminal device 10. The interface screen 31F1 is the top screen of the payment application 20. In addition to the code image CD, the top screen IF31 displays information (advertisement) urging the user to purchase a voucher. For example, the area AR31 includes information encouraging the user to pay hometown tax to City A and purchase a voucher. The area AR32 includes, for example, information encouraging the user to pay hometown tax to City B and purchase a voucher. The area AR33 includes, for example, information encouraging the user to pay hometown tax to City C and purchase a voucher.

For example, when the user taps the area AR31, a mini app corresponding to the service server 200 is launched, and the mini app (payment app 20) accesses the service server 200. The service server 200 cooperates with the mini app to display an interface screen for purchasing a city A voucher on the display section of the user terminal device 10. Then, when the user performs an operation to purchase a voucher for City A on the interface screen, the voucher for City A is provided to the user's payment application 20 as described above. If area AR32 is operated, processing for purchasing a voucher for City B is performed, and if area AR33 is operated, processing for purchasing a voucher for Mr. C is performed. Note that in the above example, the user accesses the service server 200 and purchases a voucher. However, instead of (or in addition to) this, the payment server 100 may have the same functional configuration as the service server 200. may be used to process the purchase of the voucher.

Areas such as cities, wards, towns and villages included in the above areas AR31-33 may be determined based on the user's past location information history or payment history. For example, the payment server 100 may include, in the areas AR31-33, advertisements for vouchers in cities, wards, towns and villages or regions that the user visits more frequently than a predetermined degree. For example, a user who visits Chiba Prefecture once or twice a month is provided with an advertisement for a Chiba Prefecture voucher. For example, the payment server 100 acquires location information from the payment application 20 at predetermined intervals, and determines the city, town, village, or region based on the history of the acquired location information. In addition, the payment server 100 may be used to advertise vouchers in cities, wards, towns, villages, or regions that can be visited within a predetermined time or within a predetermined distance from a location where the user is located at a predetermined frequency or higher (for example, home or work). may be included in the areas AR31-AR33. For example, a user living in Tokyo may be offered advertisements for vouchers in Chiba, Saitama, and Kanagawa prefectures.

The payment server 100 provides advertisements for vouchers in Chiba Prefecture to users who have made payments in the past or at a predetermined frequency at stores in Chiba Prefecture, which is an area different from their home, in their past payment history. You may. Furthermore, the payment server 100 may provide advertisements for Hokkaido vouchers to users who have made payments at stores in Hokkaido in the past. For example, if a user has traveled to Hokkaido in the past, when an advertisement for a voucher for Hokkaido is displayed, the user can be reminded of the trip and be motivated to purchase a voucher and travel again. Further, in the past payment history, if a payment was made at a store in a different area from the vicinity of the home, the payment server 100 may provide an advertisement for a voucher that can be used at the store. In this way, by providing advertisements for vouchers in municipalities and regions that are familiar to the user, it is possible to encourage the user to purchase vouchers.

Further, when the payment server 100 obtains the user's schedule in cooperation with another service, the payment server 100 may select an advertisement for a voucher based on the schedule. For example, if information about a travel or business trip schedule is obtained from a service server or app of a schedule management service or a service server or app of a travel reservation service, the user will receive an advertisement for a voucher in the city, town, village, or region according to the destination of this schedule. may be provided to This allows the user to easily purchase a voucher that can be used at the destination.

According to the first embodiment described above, the payment server 100 provides the user with an electronic voucher that has an expiration date and can be used at a preset store among the stores where the electronic payment service can be used. If the user performs an operation on the electronic payment app to make an electronic payment using the electronic payment service after the voucher has been granted by performing the process of giving the voucher to the electronic payment app, By displaying on the display of the terminal device on which the electronic payment application is installed an interface screen that inquires whether to perform electronic payment using a voucher or payment using the charge balance charged in the electronic payment service. , user convenience can be improved. It is also suitable for member stores and stores because they can expect sales from vouchers. Furthermore, since users can be expected to actually visit areas where vouchers can be used, it is also suitable for regional revitalization.

Note that in the above process, if the user has acquired a coupon (a coupon or voucher other than the above-mentioned voucher) that can be used at a store, the voucher may be preferentially displayed on the display unit. For example, a voucher may be displayed without a coupon, or a voucher may be displayed more prominently (or more easily selected) than a coupon.

<Second embodiment>
The second embodiment will be described below. In the second embodiment, the payment application 20 and the payment server 100 cooperate to create an electronic voucher that has an expiration date and can be used at a preset store among the stores that can use the electronic payment service. Then, the user executes electronic payment using the voucher available to the user at the set store. When the payment application 20 and the payment server 100 are not distinguished from each other, they may be referred to as a payment system.

When the user visits the set store, approaches the set store, or attempts to perform electronic payment at the set store, the payment system executes processing for allowing the user to use the voucher. "Getting closer" means that the user exists or is estimated to exist within a predetermined distance. "Processing for allowing users to use vouchers" refers to processing for allowing users to actively use vouchers, such as notifications that they can use vouchers, and notifications that they can purchase vouchers. notification, and electronic payments using vouchers as priority. Prioritizing means giving priority to other payment methods, and means automatically setting the payment method to be used as a voucher or prompting the user to set the voucher as the payment method. The process for allowing the user to use the voucher may include a process for introducing stores where the voucher can be used.

The payment application 20 and the payment server 100 cooperate to perform the above processing. For example, the payment application 20 and the payment server 100 exchange information with each other to perform the above processing. These details will be explained below. In the example below, the process executed by the payment application 20 or the process executed by the payment server 100 may be executed by the other functional configuration.

[Processing regarding notification (1)]
The payment system sends a push notification to notify the user that the voucher has been awarded. FIG. 21 is a diagram showing the interface screen IF41 and IF42 displayed on the display unit of the user terminal device 10. In the payment system, at a predetermined timing or when a voucher is granted, the voucher is granted (has been granted) as shown in the interface screen IF41 even if the payment application 20 is not operating in the foreground. Notify the user of information indicating this.

[Processing regarding notifications (2)]
At a predetermined timing or when a voucher is granted, the payment system indicates that the voucher has been granted (has been granted) as shown in the interface screen IF42 while the payment application 20 is operating in the foreground. Notify users of information.

When the payment system provides a notification indicating that a voucher has been granted as described above, the user can easily recognize that a voucher has been granted, thereby improving convenience for the user.

[Processing related to introduction support (1)]
The payment system introduces the user to stores where the voucher can be used. FIG. 22 is a diagram showing the screen IF 43 as an interface through which the user inputs search conditions. When the user performs a predetermined operation on the payment application 20, an interface screen IF43 is displayed on the display unit. The interface screen IF43 includes a plurality of buttons for selecting the industry type of the store where the voucher owned by the user or the voucher specified by the user can be used. The payment system extracts stores within a predetermined distance from the user's current location in the selected business type, and causes the display unit to display an interface screen listing the extracted stores.

By providing the user with information on stores where the voucher can be used by the payment system in response to the user's search operation as described above, the user can easily recognize the desired store where the voucher can be used. User convenience is improved.

[Processing related to introduction support (2)]
The payment system introduces the user to stores where the voucher can be used. FIG. 23 is a diagram showing the screen IF 44 as an interface through which the user inputs search conditions. When the user performs a predetermined operation on the payment application 20, an interface screen IF44 is displayed on the display unit. The interface screen IF44 includes map information, information that associates stores where electronic payment services can be used, and stores where electronic payment services can be used and vouchers can be used.

As shown in the interface screen IF44, the payment system distinguishes between stores that can use electronic payment services and where vouchers can be used, and stores that can use electronic payment services but cannot use vouchers. The information associated with the map information is displayed on the display unit. For example, specific symbols or marks may be given to stores where vouchers can be used, or the color and shape of the symbols or marks indicating stores where vouchers can be used may be different from those of stores where vouchers cannot be used. It may also be distinguished by color or shape.

The payment system is set up at stores where you can use electronic payment services and where you can use the vouchers you hold, and stores where you can use electronic payment services but where you cannot use the vouchers you hold. Information in which store information is associated with map information may be displayed on the display unit in a manner that distinguishes between store information and map information. For example, when displaying stores where electronic payment services can be used, the payment system may differentiate between stores where vouchers can be used and stores where vouchers cannot be used, as described above, depending on the user's operations. It may be changed and displayed on the display unit.

The interface screen IF44 may be provided with a button (for example, a check box) for highlighting stores where vouchers can be used or displaying only stores where vouchers can be used. For example, when this button is operated, the display will highlight stores where vouchers can be used (e.g. pins will be associated with stores where vouchers can be used), or only stores where vouchers can be used will be displayed. do. This allows the user to easily recognize stores where the vouchers that they already own or the vouchers they are considering purchasing can be used. For example, it is possible to easily recognize stores where vouchers can be used in the vicinity or while traveling, which increases motivation to purchase vouchers.

Because the payment system provides the user with map information of stores where the voucher can be used in response to the user's search operation as described above, the user can easily recognize the desired store where the voucher can be used. , user convenience is improved.

[Processing regarding notifications (3)]
The payment system may use the location information of the user terminal device 10 to notify the user about the voucher. The payment system may, for example, recommend to the user the use or purchase of a voucher that can be used at a store (or area) at the user's location or at a store near the user's location (or near the area). When a user visits or approaches a set store (or area), the payment system notifies the user of information encouraging the use of a voucher or informs the user of information urging the user to purchase a voucher. .

FIG. 24 is a diagram showing the notification interface screen IF45. As shown in the figure, the payment system determines whether vouchers are available for sale in the area of the user's location information, and if the vouchers are on sale, recommends information regarding the vouchers (e.g., purchasing a voucher) to the user. You can.

FIG. 25 is a diagram showing an interface screen IF46 including recommendation information. As illustrated, the payment system determines whether a voucher is available for sale at a store (or region) or a store near the user's location information, and if the voucher is on sale, the payment system provides the user with information regarding the voucher. Information (for example, purchasing a voucher) may be recommended. For example, if a user has acquired a voucher that can be used at a store (region) based on the user's location information or at a store near the location information, information to encourage use will be notified, and If the user has not acquired a voucher that can be used at a store near the location information, information encouraging purchase may be notified. Note that the contents shown in FIGS. 24 and 25 may be included in areas AR31-AR33 in FIG. 29, etc.

[Sequence Diagram]
FIG. 26 is a sequence diagram showing an example of the flow of processing executed by the payment system. The payment application 20 transmits the user's location information to the payment server 100 at a predetermined timing (eg, every predetermined time) (S100). Next, the payment server 100 acquires the user's location information, determines whether a recommendation regarding the purchase of a voucher is necessary based on the acquired location information (S104), and if it is determined that a recommendation is to be made, the recommended information is used for payment. It is transmitted to the application 20 (S106). For example, the payment server 100 determines whether the user has visited or approached the set store based on the location information acquired from the payment application 20 and the location information of the set store, and determines whether the user has visited the set store or approached the set store. When the user visits or approaches the set store, the user decides to make a recommendation. Next, when the payment application 20 acquires the recommended information, the payment application 20 causes the display unit to display the recommended information (S108).

In addition, in the above example, if the user has already acquired a voucher that can be used in the relevant area or store, a recommendation will be made indicating that the voucher acquired in the relevant area or store can be used. Good too.

The above location information may be location information obtained by the user terminal device 10 using GPS (Global Positioning System) or the like, or may be location information obtained from a base station or network with which the user terminal device 10 is communicating. It may also be specified from information such as communication equipment such as Wi-Fi (communication equipment such as Wi-Fi). Further, the location information may be specified based on the location information of the store where the user made the electronic payment.

Further, notifications urging use or purchase may be made in accordance with the following timings and operations. For example, based on the location information obtained from the electronic payment application and the location information of the set store, it is determined that the user has visited the set store or has approached the set store, and the code image of the set store is read. When an operation is performed on the electronic payment application, the payment server 100 may perform a process of notifying the user of information encouraging use or purchase. The operation to read the code image of the set store is, for example, an operation to start the payment application 20, an operation to start Gamera to read the code image, an operation to display the home screen or a predetermined screen, etc. Good too. Note that this process is performed during user scan.

Based on the location information obtained from the electronic payment application and the location information of the set store, it is determined that the user has visited or approached the set store, and the first store terminal of the set store is used for electronic payment. When the payment application 20 displays the code image read by the device 50 on the display unit, the payment system may perform a process of notifying the user of information encouraging use or purchase. The time when the payment application 20 displays the code image used for electronic payment and read by the first store terminal device 50 of the set store on the display unit is when an operation is performed to start the payment application 20 or when the home screen is displayed. It may be when an operation is performed, or when an operation to display a payment screen is performed. Note that this process is performed during store scan.

The payment system can encourage the user to use the voucher by providing the user with information regarding the voucher, such as whether to use or purchase the voucher, based on the user's location information as described above. Furthermore, since the user can use or purchase the voucher in response to the notification, convenience for the user is improved.

[Notification-related processing (3)/User scan]
As described above, when making an electronic payment using a user scan, the payment system may provide the user with information on vouchers that can be used at the store specified by the user scan (" If the user is about to do so, the user will be notified of information prompting him or her to use or purchase the voucher." For example, based on the identification information of the set store obtained by the payment application 20 reading the code image of the set store, the user identification information sent by the payment application 20, and the vouchers available to the user, the user When the user has a voucher that can be used at the set store, the payment system causes the user to perform a process of notifying the user to use the voucher when making an electronic payment. The details of these processes have been explained with reference to FIGS. 15 and 16, so the explanation will be omitted.

[Processing related to settings (1)/User scan]
The user selects the set store based on the identification information of the set store obtained by the electronic payment app reading the code image of the set store, the user identification information sent by the electronic payment app, and the vouchers available to the user. When the user has a voucher that can be used for electronic payment, the payment system may cause the user to perform a process of giving priority to the voucher when making electronic payment. Priority means automatically setting the payment method to a voucher, or recommending the use of a voucher before making a payment using another payment method if another payment method is set.

FIG. 27 is a diagram showing an interface screen IF47 in which the electronic payment method is automatically set to voucher. At stores where vouchers cannot be used, another payment method will be automatically set, but at stores where vouchers can be used, vouchers will be automatically set as the payment method. For example, if there are multiple vouchers that can be used, the one with the larger balance may be given priority, and if the balances are the same, the voucher with the earliest expiration date may be given priority. If the balance is insufficient after the amount is entered and the payment is executed, an error message will be displayed.

When the payment system has acquired a voucher that can be used at a set store as described above, the payment system gives priority to the user to use the voucher, thereby improving convenience for the user.

[Processing related to purchase support (1)/User scan]
The payment system identifies the existence of vouchers that can be used at the designated store based on the identification information of the designated store obtained by the electronic payment app reading the code image of the designated store and the information on the vouchers that can be used at the designated store. In this case, processing may be executed to notify the user of a notification prompting the user to purchase a voucher when the user makes an electronic payment. For example, if the user does not have a voucher that can be used at a store identified by the user scan, the payment system recommends the user to purchase the voucher, and the payment system recommends that the user purchase a voucher that can be used at the store identified by the user scan. If the voucher has been obtained, the user may be recommended to use the voucher.

FIG. 28 is a diagram showing an interface screen IF48 that recommends the purchase of a voucher to the user. When the user operates the purchase button B1 on the interface screen IF48, the interface screen IF51 of FIG. 29 is displayed on the display unit.

FIG. 29 is a diagram showing the interface screen IF51-53. The payment system causes the interface screen IF51 to be displayed on the display unit in response to the operation of the button B1. The interface screen IF51 includes information such as purchase conditions for vouchers that can be used at the store, and a purchase button B2. When the purchase button B2 is operated, the payment system displays the interface screen IF52 on the display unit in response to the operation of the button B2. The interface screen IF52 includes information such as the user (donor) purchasing the voucher, the user's address, and the person to whom the voucher will be given, and a button B3 for determining this information. When the purchase button B3 is operated, the payment system cooperates with the service server 200 to provide a voucher to the user. For example, the payment server 100 notifies the service server 200 of information indicating that the user has purchased a voucher, and grants the voucher to the user.

Further, in response to the button B3 being operated, an interface screen IF53 is displayed on the display section. The interface screen IF53 includes information indicating that the voucher can be used and a button B4 for instructing the use. When button B4 is operated, payment server 100 sets the payment method to voucher (see FIG. 27) and performs electronic payment using the voucher. Note that the operation of the button B4 may be omitted, and the voucher may be used automatically after the button B3 is operated.

The payment system provides useful information to the user by notifying the user of the purchase of a voucher that can be used at the set store if the user has not acquired the voucher that can be used at the set store as described above. Can be done. Furthermore, the payment system seamlessly assists the user in purchasing vouchers in the above notification, thereby increasing convenience for the user.

This process is an example of the process of "notifying the user of information urging him to purchase the voucher when he is about to perform the electronic payment at the set store." A part of the processing in FIG. 29 described above may be executed by the service server 200, or may be executed by the payment server 100 and the service server 200 in cooperation. For example, some or all of the interface screens in FIG. 29 may be provided by the service server 200.

In the above example, the explanation focused on user scan. In the case of a store scan, the following processing may be performed.

[Notification-related processing (4)/Store scan]
The payment system notifies the user of information prompting the user to use the voucher when the user is about to make an electronic payment at the set store. If the user performs a predetermined operation on the payment application 20 (for example, an operation to make a payment, an operation to display a code image, etc.), and the user has obtained a voucher, a list of selectable payment methods will be displayed. This list may be displayed on the display unit, including payment methods using vouchers.

FIG. 30 is a diagram showing an interface screen IF60 displayed on the display unit. Regarding the vouchers included in the list, the store or area of use may not be considered, or the location information may be taken into consideration. For example, a payment system may include a voucher in the list of payment methods if the user has acquired a voucher that can be used at a store or area that corresponds to the user's location information, or a store or area near the user's location information. good. Furthermore, if the user has a voucher whose expiration date is less than a predetermined period (for example, less than two months), a message may be displayed urging the user to use the voucher.

[Sequence Diagram]
FIG. 31 is a sequence diagram showing an example of the flow of processing executed by the payment system. The payment application 20 requests the issuance of a one-time code when the payment application 20 is started, when a payment operation is performed on the payment application 20, when the automatic update timing (for example, every 1 minute) is reached, or at other timings. and location information to the payment server 100 (S200). Location information may be transmitted at any timing.

The payment server 100 generates a one-time code (S202) and identifies vouchers that can be used by the user (S204). A voucher that can be used by a user may be a voucher that can be used at a store or area that corresponds to the user's location information, or a voucher that can be used at a store or area that is near the user's location information. . For example, if the payment server 100 determines that the user's location information is the location of store A, the payment server 100 identifies vouchers that can be used at store A.

The payment server 100 transmits the one-time code and the identified voucher information to the payment application 20 (S206). The payment application 20 displays a code image such as a QR code or barcode generated based on the one-time code and recommendation information indicating that a usable voucher has been acquired (S208). The code image is, for example, a code image for electronic payment using a preset payment method. For example, if it is set in advance to perform electronic payment using the charge balance, the code image is rewritten and displayed for electronic payment using the charge balance.

When the user makes an electronic payment without changing the preset payment method, the user holds up (presents) the display surface of the user terminal device 10 to the first store terminal device 50, and the first store terminal device 50 The code image is decoded by the optical reading function to obtain a one-time code, etc. (S210). Then, the first store terminal device 50 generates payment information including a one-time code, payment amount, member store ID, store ID, etc., and transmits it to the payment server 100 (S212). The payment server 100 identifies the user corresponding to the one-time code based on the received information and performs electronic payment (S214). Then, the payment server 100 transmits a payment completion notification to the payment application 20 (S216), and the payment application 20 displays a payment completion screen (S218).

When a user wants to use a voucher, he or she performs an operation to use the voucher. In response to this operation, the payment application 20 transmits a one-time code issuance request for using the voucher to the payment server. The payment server 100 generates a one-time code in response to a request, and transmits the generated one-time code to the payment application 20. The payment application 20 generates a code image based on the one-time code and displays the code image on the display unit. Then, the processes from S210 described above are executed, and electronic payment using the voucher is executed.

In the above example, if the user has acquired a voucher, the voucher information is recommended, but if the user has not acquired a voucher, the store or area of the location information, or the nearby location information is recommended. It may be recommended that a voucher is available for purchase in the store or region. Note that this process is an example of the process of "notifying the user of information urging him to purchase the voucher when he is about to perform the electronic payment at the set store."

[Notification-related processing (5)/Store scan]
The payment system may recommend the use of a voucher to the user when the payment server 100 determines that there is a voucher that the user can use when making an electronic payment. For example, based on the identification information of the setting store transmitted by the terminal device of the store, the user identification information transmitted by the terminal device of the setting store, and the vouchers available to the user, the user can use the vouchers at the setting store. When the user has a voucher, the payment system executes a process of notifying the user to use the voucher when the user makes an electronic payment.

FIG. 32 is a diagram showing the interface screen IF61 displayed on the display unit. The interface screen IF61 includes information indicating that the user has acquired a voucher that can be used at the store where the user is attempting to make electronic payment, and information inquiring about the payment method. The information inquiring about the payment method is, for example, an inquiry as to whether to perform electronic payment by charging or deferred payment, or by using a voucher.

[Sequence Diagram]
FIG. 33 is a sequence diagram showing an example of the flow of processing executed by the payment system. After the processes from S11 to S16 in FIG. 3 described above are executed, the payment server 100 selects the user corresponding to the one-time code based on the received information (one-time code, payment amount, member store ID, store ID). is specified, and it is determined whether the specified user has acquired a voucher that can be used at the store (S17#). If a usable voucher has been acquired, the payment server 100 notifies the payment application 20 that a usable voucher has been acquired (S18#). The payment application 20 displays information on available vouchers on the display unit and notifies the user that the vouchers are available (S19#).

In response to the above notification, when the user performs an operation that instructs to use the voucher (for example, operates a button that instructs to use the voucher), the payment application 20 transmits information indicating that the operation has been performed to the payment server. 100, and the payment server 100 may perform electronic payment using the voucher regarding the payment information sent in S16. In this way, the user can change to electronic payment using a voucher with a simple operation.

In the above example, if the user does not have a voucher, the payment server 100 performs electronic payment based on the received information after processing S16.

[Processing related to purchase support (2)/Store scan]
In the above example, if the user has acquired a voucher, the voucher information is recommended, but if the user has not acquired a voucher, the voucher that can be used at the store can be purchased. may be recommended. For example, when there is a voucher that can be used at the designated store based on the identification information of the designated store transmitted by the first store terminal device 50 of the store and the information on vouchers that can be used at the designated store, the payment system , a notification prompting the user to purchase a voucher may be sent to the user when the user makes an electronic payment. In this case, the purchasing process may be performed in cooperation with the service server 200 as shown in FIG. 29 described above.

[Processing related to settings (2)/Store scan]
Based on the identification information of the set store transmitted by the first store terminal device 50, the user identification information transmitted by the first store terminal device 50, and the voucher available for use by the user, the user uses the voucher at the set store. If the payment system has a voucher that can be used, the payment system stores the voucher when the user makes an electronic payment (for example, when electronic payment processing is performed between the first store terminal device 50 and the payment server 100). The electronic payment process may be performed with priority given to Priority means automatically setting the payment method to a voucher, or recommending the use of a voucher before making a payment using another payment method if another payment method is set.

For example, when the first store terminal device 50 transmits the identification information of the set store and the user's identification information to the payment server 100 as described above, the payment server 100 determines that the user has a voucher that can be used at the set store. If it is determined that the payment method is valid, the electronic payment may be made automatically using the voucher instead of using other payment methods. For example, if a setting has been made in advance to give priority to the automatic use of vouchers, the voucher may be used without inquiring the user, or the voucher may be used after inquiring the user and depending on the result of the inquiry. good.

As mentioned above, the payment system can also improve user convenience in store scanning.

In addition, in the process of recommending the purchase of a voucher in the above process, if a voucher with a preset upper limit for purchasing a voucher is purchased, the recommendation may be stopped from then on. For example, the user may set the upper limit amount via the payment application 20 or may set the upper limit amount via the service server 200. When the upper limit amount is set via the service server 200, the payment system and the service server 200 cooperate to share the upper limit amount.

[Summary of notifications, etc. regarding vouchers]
FIG. 34 is a diagram for explaining notifications or settings regarding vouchers at the time of user scan and store scan. The pattern in FIG. 34 is an example, and notification or setting of other patterns may be performed.

Pattern 1 is a pattern in which the user is notified of the use or purchase of a voucher based on location information. For example, when the user is present at a store (or area) or near a store (near the area), voucher information is notified (see FIGS. 21, 24, 25, 26, etc.).

Pattern 2 is a pattern in which the user is notified of the use or purchase of a voucher based on location information. For example, when the user performs a predetermined operation (starting the payment application 20 or displaying a code image), voucher information is notified (see FIGS. 30 and 31 described above).

(About user scan)
Pattern 3-5 is a pattern during user scanning. Pattern 3 is a pattern in which the user is notified of the use of the voucher based on the store ID. For example, when the payment application 20 reads the store code image and identifies the store ID (for example, during electronic payment), the usage of the voucher is notified (see FIGS. 15 and 16 described above). , Figure 28, etc.).

Pattern 4 is a pattern in which the user is automatically allowed to use the voucher based on the store ID. For example, when the payment application 20 reads the store code image and identifies the store ID (for example, during electronic payment), the use of the voucher is automatically set (as shown in FIG. 27 described above). ).

Pattern 5 is a pattern in which the purchase of a voucher is recommended to the user based on the store ID. For example, when the payment application 20 reads the store code image and identifies the store ID (for example, during electronic payment), the purchase of a voucher is recommended (as shown in FIG. 29 described above). .

(About store scan)
Pattern 6-8 is a pattern at the time of store scan. Pattern 6 is a pattern in which the user is notified of the use of the voucher based on the store ID. For example, when the payment server 100 identifies the store ID based on the information sent from the first store terminal device 50 when the user makes an electronic payment, the user is notified of the use of the voucher (as described above). Figure 32, etc.)

Pattern 7 is a pattern in which the use of the voucher acquired by the user is automatically set based on the store ID. For example, the payment server 100 identifies a store ID based on information sent from the first store terminal device 50 when the user makes an electronic payment, and the user obtains a voucher that can be used at the identified store. This is a pattern in which the use of vouchers is automatically set and given priority when used. For example, if the user has set in advance to prioritize the use of vouchers, the process of pattern 7 is performed.

Pattern 8 is a pattern in which the purchase of a voucher is recommended to the user based on the store ID. For example, the payment server 100 identifies the store ID based on information sent from the first store terminal device 50 when the user makes an electronic payment, and if there is a voucher that can be used at the identified store, the payment server 100 provides the user with a voucher. This is a pattern in which a purchase recommendation is made.

For example, when a user visits an area different from his or her home for sightseeing or returning home, there is a need to use vouchers such as hometown tax payments that can be used in that area. For example, even if a user has obtained a voucher that can be used in the region, the user may forget to use the voucher. In this embodiment, a process is executed to prompt the user to use the voucher so that the user can use the voucher effectively. This allows the user to actively use the voucher and improves convenience for the user. For example, the user can use the voucher without leaving it unused.

Furthermore, even if the user has not acquired a voucher, there is a need to purchase and use a voucher such as hometown tax donation. In this embodiment, the user is supported so that the user can purchase a voucher. This allows the user to use the voucher.

In addition, as mentioned above, providing support to users will encourage the purchase of vouchers, revitalize local areas, and encourage the use of electronic payments, allowing local governments and municipalities implementing hometown tax payments to It is also suitable for administrators offering electronic payments.

In the above example, we mainly explained the process when the user makes an electronic payment, but in addition to (instead of) this, the user can also read the code image installed at the store or in a predetermined area. Information on vouchers that can be used in the region or region may be displayed on the display unit via the payment application 20. For example, when a user visits a region where vouchers are issued for sightseeing, etc., and reads a code image installed at a tourist information center, information on purchasing vouchers that can be used in that region and the information the user has obtained can be obtained. Information on vouchers that can be used in the area (for example, the amount that can be used), information on stores that can be used, etc. are displayed on the display section. For example, the payment server 100 manages information in which the identification information included in the code image is associated with the above-mentioned voucher information and available information, and this information is used to send the voucher information to the payment application 20. I will provide a.

According to the embodiment described above, an electronic voucher is provided that has an expiration date set on a computer and can be used at a preset store among stores where the electronic payment service can be used, a payment process of executing electronic payment in cooperation with the electronic payment server using the voucher available to the user at the store; and the user visits the set store or approaches the set store; Alternatively, when the electronic payment is to be performed at the set store, the user's convenience can be improved by performing a specific process for allowing the user to use the voucher.

Although the mode for implementing the present invention has been described above using embodiments, the present invention is not limited to these embodiments in any way, and various modifications and substitutions can be made without departing from the gist of the present invention. can be added.

10 User terminal device 20 Payment application 50 First store terminal device 60 Store code image 70 Second store terminal device 100 Payment server 120 Content providing section 130 Cooperation processing section 140 Adding section 150 Payment processing section 160 Information management section 170 Storage section 172 User information

Claims (14)

electronic payment server;
an electronic payment application that provides an electronic payment service in cooperation with the electronic payment server,
The electronic payment app is
to the computer,
An electronic voucher that has a set expiry date and can be used at a preset store among the stores where the electronic payment service can be used, and the user uses the voucher that can be used by the user at the set store. and a payment process that executes electronic payment in cooperation with the electronic payment server;
when the user visits the set store, approaches the set store, or attempts to perform the electronic payment at the set store, a specific process of notifying the user of information prompting the user to obtain the voucher; let it run,
The electronic payment server determines that the user has visited or approached the set store based on the location information acquired from the electronic payment application and the previously acquired location information of the set store. and when an operation for reading the code image of the set store is performed on the electronic payment application,
The electronic payment app is
causing a computer to execute a process of notifying the user of information prompting the acquisition;
The voucher is a voucher provided by donation to the local government,
The electronic payment server is
In cooperation with the server device that processes the donation application, when the user confirms the donor and the voucher grantor and the user performs the acquisition operation, the electronic payment server receives the voucher. Associating the voucher with the wallet of the user who is the grantor, and making the voucher available for use with the electronic payment service at the set store;
Electronic payment system. electronic payment server;
an electronic payment application that provides an electronic payment service in cooperation with the electronic payment server,
The electronic payment app is
to the computer,
An electronic voucher that has a set expiry date and can be used at a pre-set set store among stores where the electronic payment service can be used, and the user uses the voucher that can be used by the user at the set store. and a payment process that executes electronic payment in cooperation with the electronic payment server;
when the user visits the set store, approaches the set store, or attempts to perform the electronic payment at the set store, a specific process for notifying the user of information prompting the user to obtain the voucher; let it run,
The electronic payment server determines that the user has visited or approached the set store based on the location information acquired from the electronic payment application and the previously acquired location information of the set store. and when the electronic payment application displays on the display section a code image that is used in the electronic payment and is read by a store terminal of the set store,
The electronic payment app is
causing a computer to execute a process of notifying the user of information prompting the acquisition;
The voucher is a voucher provided by donation to the local government,
The electronic payment server is
In cooperation with the server device that processes the donation application, when the user confirms the donor and the voucher grantor and the user performs the acquisition operation, the electronic payment server receives the voucher. Associating the voucher with the wallet of the user who is the grantor, and making the voucher available for use with the electronic payment service at the set store;
Electronic payment system. The electronic payment app is
to the computer,
When the user visits the set store, approaches the set store, or attempts to perform the electronic payment at the set store, the user is notified of information prompting the user to purchase the voucher;
The electronic payment system according to claim 1 or 2. The electronic payment server determines whether the user has visited the set store or approached the set store based on the location information acquired from the electronic payment application and the location information of the set store that has been acquired in advance. determined by
The electronic payment system according to claim 3. Based on identification information of the set store obtained by the electronic payment application reading a code image of the set store, identification information of the user transmitted by the electronic payment application, and vouchers available to the user. and when the user has a voucher that can be used at the set store,
The electronic payment app is
causing the computer to execute a process of notifying the user of a notification prompting the user to use the voucher when the user makes the electronic payment;
The electronic payment system according to claim 1 or 2. Based on identification information of the set store obtained by the electronic payment application reading a code image of the set store, identification information of the user transmitted by the electronic payment application, and vouchers available to the user. and when the user has a voucher that can be used at the set store,
The electronic payment app is
causing the computer to perform a process of giving priority to the voucher when the user makes the electronic payment;
The electronic payment system according to claim 1 or 2. Based on the identification information of the setting store transmitted by the terminal device of the setting store, the identification information of the user transmitted by the terminal device of the setting store, and the vouchers available to the user, the user When you have a voucher that can be used at the set store;
The electronic payment app is
causing the computer to execute a process of notifying the user of a notification prompting the user to use the voucher when the user makes the electronic payment;
The electronic payment system according to claim 1 or 2. Based on the identification information of the setting store transmitted by the terminal device of the setting store, the identification information of the user transmitted by the terminal device of the setting store, and the vouchers available to the user, the user When you have a voucher that can be used at the set store;
The electronic payment app is
causing the computer to perform a process of giving priority to the voucher when the user makes the electronic payment;
The electronic payment system according to claim 1 or 2. The electronic payment app is
to the computer,
Store information is associated with map information in a manner that distinguishes between the set stores that are stores that can use the electronic payment service and stores that can use the electronic payment service but cannot use the voucher. display information on the display,
The electronic payment system according to claim 1 or 2. The electronic payment app is
to the computer,
The set store is a store where the electronic payment service can be used and the voucher held by the user can be used, and a store where the electronic payment service can be used and the voucher held by the user can be used. displaying information in which store information is associated with map information on a display unit in a manner that distinguishes store information from unavailable stores;
The electronic payment system according to claim 1 or 2. A service providing method in which a terminal device and an electronic payment server cooperate to provide an electronic payment service, the method comprising:
The terminal device is
An electronic voucher that has a set expiry date and can be used at a pre-set set store among stores where the electronic payment service can be used, and the user uses the voucher that can be used by the user at the set store. and a payment process that executes electronic payment in cooperation with the electronic payment server;
when the user visits the set store, approaches the set store, or attempts to perform the electronic payment at the set store, a specific process for notifying the user of information prompting the user to obtain the voucher; execute,
The electronic payment server determines that the user has visited or approached the set store based on the location information acquired from the terminal device and the previously acquired position information of the set store. , and when an operation for reading the code image of the set store is performed on the terminal device,
the terminal device executes a process of notifying the user of information prompting the acquisition;
The voucher is a voucher provided by donation to the local government,
The electronic payment server is
In cooperation with the server device that processes the donation application, when the user confirms the donor and the voucher grantor and the user performs the acquisition operation, the electronic payment server receives the voucher. Associating the voucher with the wallet of the user who is the grantor, and making the voucher available for use with the electronic payment service at the set store;
How we provide our services. A service providing method in which a terminal device and an electronic payment server cooperate to provide an electronic payment service, the method comprising:
The terminal device is
An electronic voucher that has a set expiry date and can be used at a pre-set set store among stores where the electronic payment service can be used, and the user uses the voucher that can be used by the user at the set store. and a payment process that executes electronic payment in cooperation with the electronic payment server;
when the user visits the set store, approaches the set store, or attempts to perform the electronic payment at the set store, a specific process for notifying the user of information prompting the user to obtain the voucher; execute,
The electronic payment server determines that the user has visited or approached the set store based on the location information acquired from the terminal device and the previously acquired position information of the set store. , and when the terminal device displays on the display section a code image that is used in the electronic payment and is read by the store terminal of the set store,
the terminal device executes a process of notifying the user of information prompting the acquisition;
The voucher is a voucher provided by donation to the local government,
The electronic payment server is
In cooperation with the server device that processes the donation application, when the user confirms the donor and the voucher grantor and the user performs the acquisition operation, the electronic payment server receives the voucher. Associating the voucher with the wallet of the user who is the grantor, and making the voucher available for use with the electronic payment service at the set store;
How we provide our services. electronic payment server;
a terminal device that cooperates with the electronic payment server to provide an electronic payment service,
The terminal device is
An electronic voucher that has a set expiry date and can be used at a pre-set set store among stores where the electronic payment service can be used, and the user uses the voucher that can be used by the user at the set store. and a payment process that executes electronic payment in cooperation with the electronic payment server;
when the user visits the set store, approaches the set store, or attempts to perform the electronic payment at the set store, a specific process for notifying the user of information prompting the user to obtain the voucher; execute,
The electronic payment server determines that the user has visited or approached the set store based on the location information acquired from the terminal device and the previously acquired position information of the set store. , and when an operation for reading the code image of the set store is performed on the terminal device,
The terminal device is
executing a process of notifying the user of information prompting the acquisition;
The voucher is a voucher provided by donation to the local government,
The electronic payment server is
In cooperation with the server device that processes the donation application, when the user confirms the donor and the voucher grantor and the user performs the acquisition operation, the electronic payment server receives the voucher. Associating the voucher with the wallet of the user who is the grantor, and making the voucher available for use with the electronic payment service at the set store;
Service delivery system. electronic payment server;
a terminal device that cooperates with the electronic payment server to provide an electronic payment service,
The terminal device is
An electronic voucher that has a set expiry date and can be used at a pre-set set store among stores where the electronic payment service can be used, and the user uses the voucher that can be used by the user at the set store. and a payment process that executes electronic payment in cooperation with the electronic payment server;
when the user visits the set store, approaches the set store, or attempts to perform the electronic payment at the set store, a specific process for notifying the user of information prompting the user to obtain the voucher; execute,
The electronic payment server determines that the user has visited or approached the set store based on the location information acquired from the terminal device and the previously acquired position information of the set store. , and when the terminal device displays on the display section a code image that is used in the electronic payment and is read by the store terminal of the set store,
The terminal device is
executing a process of notifying the user of information prompting the acquisition;
The voucher is a voucher provided by donation to the local government,
The electronic payment server is
In cooperation with the server device that processes the donation application, when the user confirms the donor and the voucher grantor and the user performs the acquisition operation, the electronic payment server receives the voucher. Associating the voucher with the wallet of the user who is the grantor, and making the voucher available for use with the electronic payment service at the set store;
Service delivery system.

Images