JP6971533B2 - Information providing device, information providing system, and information providing method - Google Patents

Description

The present invention relates to an information providing device, an information providing system, and an information providing method.

Conventionally, in order to promote the sale of a specific product or service, a service of giving points as a privilege to the purchase of the product or service has been performed. Then, in order for the user to appropriately enjoy the service, there is known a technique of displaying a store to which points are given. For example, Patent Document 1 discloses a technique of searching for a facility that can use a point card possessed by a user and displaying the position of the searched facility in order to promote the use of the point card.

Japanese Unexamined Patent Publication No. 2013-195252

In recent years, points have been awarded not only when purchasing goods or services by cash, but also when purchasing with payment cards such as credit cards and prepaid cards.

However, not all stores that provide products and services support points given by cash and payment cards, and some stores give points when purchasing with cash, but payment is made. Points may not be awarded when purchasing with a cash card. Therefore, when the user goes to some of the stores with the expectation that points will be given by purchasing with the payment card, the user gives up the purchase with the payment card because the points are not given, and other stores. I had to look for. Alternatively, the user had to give up giving points and purchase with a payment card at some of the stores.

Therefore, the present invention has been made in view of these points, and provides information that allows the user to appropriately recognize a store to which points are given when a product or service is purchased using a payment card. The purpose is to provide an apparatus, an information providing system, and an information providing method.

The first aspect of the present invention is an information providing device that displays on a mobile terminal the location of a store to which points are awarded when purchasing a product or service, and the case where the product or service is purchased using a payment card. A storage unit that stores store information indicating a store to which the points are given, a storage unit that stores the location of the store in association with each other, an acquisition unit that acquires location information indicating a position of the user of the mobile terminal, and the storage unit. Among the stores indicated by the stored store information, a store that is within a predetermined range from the position indicated by the location information and is awarded the points when the product or service is purchased using the payment card. Provided is an information providing device including an extraction unit for extracting the above-mentioned items and a display control unit for displaying the position of the store extracted by the extraction unit on the mobile terminal.

The storage unit stores the point grant rate indicating the ratio of the points to the purchase amount of the product or service in association with the store information, and the extraction unit extracts the store based on the point grant rate. You may.

The storage unit stores the priority information indicating the priority for extracting the store and the store information in association with each other, and the extraction unit stores the priority indicated by the priority information exceeds a predetermined priority. The location of the store may be extracted regardless of the point award rate.

The acquisition unit further acquires the minimum value of the point award rate in the store whose position is to be displayed on the mobile terminal, and the extraction unit extracts the store whose point award rate is equal to or greater than the minimum value. You may.

The storage unit stores the type information indicating the type of the payment card used by the user of the mobile terminal in association with the store information, and the extraction unit stores the type information of the payment card used by the user. Based on the type, the store to which the points are given when the product or service is purchased with the payment card may be extracted.

The storage unit stores the type information, the store information, and a point grant rate indicating the ratio of the points to the purchase amount of the product or service in association with each other, and the extraction unit stores the payment used by the user. The store may be extracted based on the point award rate corresponding to the card.

The acquisition unit acquires a position request that is transmitted from the mobile terminal and requests the location of the store, and includes type information indicating the type of the payment card used by the user of the mobile terminal. The extraction unit may extract the store based on the type information included in the position request acquired by the acquisition unit.

The acquisition unit is a position request transmitted from the mobile terminal to request the location of the store, and acquires a position request including user identification information of the user of the mobile terminal, and the storage unit acquires the user identification. The information is stored in association with the type of the payment card used by the user, and the type information indicating the type of the payment card is stored in association with the store information. The type of the payment card corresponding to the user identification information included in the location request may be specified, and the store to which the points are given to the payment card of the specified type may be extracted.

The display control unit may display at least one of the list of the stores extracted by the extraction unit and the map showing the location of the stores on the mobile terminal. Further, the acquisition unit further acquires purchase record information indicating the record of purchases of goods or services by users of the mobile terminal, and the extraction unit further acquires the purchase record information indicating that the user of the mobile terminal has purchased the product or service by a predetermined number or more of the users based on the purchase record information. The store that has a record of purchasing the service may be extracted.

In the second aspect of the present invention, information including a mobile terminal that displays the position of a store to which points are awarded at the time of purchasing a product or service, and an information providing device that provides information about the points to the mobile terminal. In the providing system, the information providing device stores store information indicating a store to which the points are given when a product or service is purchased using a payment card, and stores the location of the store in association with each other. It is within a predetermined range from the position indicated by the position information from the unit, the acquisition unit that acquires the position information indicating the position of the user of the mobile terminal, and the store indicated by the store information stored in the storage unit. In addition, the mobile terminal can provide store information including the location of the store extracted by the extraction unit and the extraction unit that extracts the store to which the points are given when the product or service is purchased using the payment card. The mobile terminal has a receiving unit that receives the store information from the information providing device, and displays the position of the store extracted by the extracting unit based on the store information. It provides an information providing system having a display unit and a display unit.

The third aspect of the present invention is an information providing method for displaying the location of a store to which points are given at the time of purchasing a product or service on a mobile terminal, and is a case where the product or service is purchased using a payment card. A step of associating the store information indicating the store to which the point is given and the location of the store and storing it in the storage unit, a step of acquiring the position information indicating the position of the user of the mobile terminal, and the storage. The points are awarded when a product or service is purchased from the stores indicated by the store information stored in the unit within a predetermined range from the position indicated by the location information and using the payment card. Provided is an information providing method including a step of extracting a store and a step of displaying the extracted location of the store on the mobile terminal.

According to the present invention, there is an effect that the user appropriately recognizes a store to which points are given when a product or service is purchased using a payment card.

It is a figure which shows the outline of the electronic currency management system of this invention. It is a figure which shows the system configuration of the electronic currency management system. It is a figure which shows the information managed by each server which constitutes an electronic currency management system. It is a figure which shows the display screen example of a user terminal. It is a figure which shows the operation at the time of card issuance. It is a figure which shows the flow of processing at the time of card issuance. It is a figure which shows the operation when charging a card. It is a figure which shows the operation when the product is purchased using a card. It is a figure which shows the operation when giving a point to a user. It is a figure which shows the operation when providing the service peculiar to a user to a user. It is a block diagram which shows the structure of the electronic currency management apparatus which concerns on 1st Embodiment. It is a figure which shows an example of the store management information which a management information storage part stores. It is a figure which shows an example of the display screen which displays the position of a store on a map. It is a figure which shows an example of the display screen which displays the position of a store in a list. It is a flowchart which shows the flow of the process which extracts the store which gives a point by using a card and displays it on a user terminal. It is a block diagram which shows the structure of the electronic currency management apparatus which concerns on 2nd Embodiment. It is a figure which shows an example of the purchase record information which the record information storage part stores. It is a figure which shows an example of the display screen which displays the position of a store on a map. It is a figure which shows an example of the display screen which displays the position of a store in a list. It is a flowchart which shows the flow of the process which extracts the store which gives a point and displays it on a user terminal.

<First Embodiment>
[Overview of Electronic Currency Management System S]
First, the outline of the electronic currency management system S will be described with reference to FIG. The electronic currency management system S is a system that manages the balance of electronic currency that can be used by the user using the card 11 and enables the management of the card 11 from the user's mobile phone (hereinafter, user terminal 12). .. Electronic currency is an intangible currency with monetary value, such as credits, points and coupons. The card is, for example, a credit card or a prepaid card that can be used when purchasing goods or services using electronic currency.

The user can store the electronic currency in the account associated with the card 11 in advance, and when purchasing a product or service, the user can use the electronic currency stored in the account by using the card 11. In the electronic currency management system S, the user terminal 12 is used by linking the card 11 and the user terminal 12 in the electronic currency management device 10 accessible via a base station of a mobile phone network, for example. Realizes card management. Specifically, in the electronic currency management system S, the user terminal 12 is used to charge (pay) a prepaid card, check the card balance, the points given, and the usage history.

Users can save electronic currency in a variety of ways. The user can save electronic currency, for example, by transferring cash to an account designated by a card number set on the card 11 and charging it. In addition, the user can also save electronic currency by shopping at a real store or an online store using the card 11 and receiving points according to the purchase amount or the like. Since the user can confirm the balance of the electronic currency associated with the card 11 from the user terminal 12, the motivation to store the electronic currency and use it for various purposes is increased.
Hereinafter, an example of a specific configuration for realizing the electronic currency management system S will be described.

[System configuration of electronic currency management system S]
FIG. 2 is a diagram showing an example of the system configuration of the electronic currency management system S. As shown in FIG. 2, the electronic currency management system S includes a user device 1 and an electronic currency management device 10 accessible to the user device 1. The electronic currency management device 10 includes a card management server 2, a carrier server 3, and a point management server 4.

The user device 1 is a device used by each user who uses the service provided by the electronic currency management system S, and includes a card 11 and a user terminal 12.

The card 11 is a card that makes payments using the international brand payment NW50, and is a prepaid card that can make payments based on a pre-charged amount. As the card 11, instead of the prepaid card, a credit card for postpaying the usage amount or a postpay type card for postpaying the charge amount may be used.
The user terminal 12 is a communication device that communicates (calls) via a communication NW provided by a communication carrier, and is, for example, a mobile phone, a smartphone, a tablet PC, or the like. A predetermined application program is installed in the user terminal 12, and the card 11 can be managed from the user terminal 12 via an application executed based on the program.

The card management server 2 is a server that manages the usage history of the card 11 for each user, and stores information about the card 11. Here, FIG. 3A shows an example of various information stored in the card management server 2. As shown in FIG. 3A, the card management server 2 stores various information such as a prepaid card number (hereinafter, simply referred to as a “card number”), a balance, and a usage history in association with the management number.
The card number is a number set on the card 11 and consisting of approximately 16-digit alphanumerical characters, and is identification information for identifying the card 11. The management number is a number that uniquely corresponds to the card number, and is used to identify the card 11 instead of the card number when linking with another server. The balance is information indicating the balance of the amount charged in the account designated by the card number set on the card 11. The usage history is a history of shopping using the card 11, and includes the purchase date and time, the product / service to be purchased, the purchase amount, the purchase place (store name), and the like.

The carrier server 3 is a server used by a communication carrier, and manages the usage history of the user terminal 12 of the service provided by the communication carrier for each user. The carrier server 3 calculates the amount billed to the user based on the usage history. Further, the carrier server 3 functions as an entrance (portal) for providing the service provided by the communication carrier to the user terminal 12. For example, the carrier server 3 acquires the balance of the electronic currency stored in the account corresponding to the card number associated with the user ID from the point management server 4 in response to the request from the user terminal 12, and causes the user terminal 12 to obtain the balance. You can notify the balance of electronic currency. Further, the carrier server 3 may acquire the points associated with the user ID from the point management server 4 and notify the user terminal 12 of the balance of the points.

Here, FIG. 3B shows an example of various information managed by the carrier server 3. As shown in FIG. 3B, the carrier server 3 stores various information such as the telephone number, billing amount, contract ID, and contractor name of the user terminal 12 in association with the user ID.
The user ID is identification information that identifies the user terminal 12 or the user who uses the user terminal 12. The telephone number is a telephone number set in the user terminal 12 which is a communication terminal. The billing amount is an amount billed to the user in connection with the use of the user terminal 12, and includes, for example, a communication fee and a usage fee for the content used in the user terminal 12. Depending on the communication carrier, not only mobile phones but also fixed-line phones, cable TV, and other complex services may be provided to users. Therefore, the billing amount is provided to the user indicated by the user ID. You may include charges for the services you have. Further, the contract ID is identification information for identifying a contract concluded with a communication carrier, and is information indicating that the contractor has made the contract. Communication carriers may charge communication charges collectively within the range of the same person or family. The contract ID and the contractor name are information for determining the range in which the billing of communication charges is summarized and the target for billing the summarized communication charges.

Although not shown, the carrier server 3 has already paid information about the contract such as the contract expiration date and the contract date and time of the user terminal 12 and the billing amount according to the use of the user terminal 12 in association with the user ID. / It may be possible to store information regarding payment of communication charges such as delay.

The point management server 4 provides points according to the use of the card 11 (for example, shopping using the card) and points according to the use of the service provided to the user indicated by the user terminal 12 or the user ID. It is a server that is integrated and managed. Here, FIGS. 3 (C) and 3 (D) show an example of various information managed by the point management server 4.
As shown in FIG. 3C, the point management server 4 stores various information such as a management number, points, and detailed information in association with the user ID. The user ID is identification information that identifies a user who uses the user terminal 12, and is used when linking with the carrier server 3. The management number is a number uniquely corresponding to the card number, and is used when linking with the card management server 2. The points are information indicating the number of points given to the corresponding user according to the billing amount acquired from the carrier server 3 and the purchase amount acquired from the card management server 2 (that is, the payment amount of the purchased product). Is. The detailed information is information including the usage history of the card 11 and points, and shows the history of shopping using the card 11 and the history of points given to the user.

Further, as shown in FIG. 3D, the point management server 4 stores the point grant rate for calculating the points to be granted based on the purchase amount and the billing amount in association with the usage pattern. As a usage pattern, the use of the card 11 or the use of the user terminal 12 can be considered, but in addition to these, the rate depends on whether the store using the card 11 is a normal store or a point preferential store. May be different. Information indicating a store using the card 11 can be acquired by receiving the usage history from the card management server 2.

The point management server 4 may store the balance of the electronic currency managed by the card management server 2 in association with the card number in association with the user ID. In this case, the point management server 4 updates the stored electronic currency balance in synchronization with the timing when the electronic currency balance is updated on the card management server 2. In response to a request from the user terminal 12, the point management server 4 reads out the balance of the electronic currency stored in association with the user ID corresponding to the user terminal 12 from the storage unit, and uses the carrier server 3 to read the balance of the electronic currency. The balance can be notified to the user terminal 12. The point management server 4 acquires the balance of the electronic currency associated with the card number corresponding to the user ID from the card management server 2 at the timing when the balance of the electronic currency is requested from the user terminal 12, and the acquired balance. May be notified to the user terminal 12.

As described above, in the electronic currency management system S, the card management server 2, the carrier server 3, and the point management server 4 can be linked to manage the card number and the user ID in association with each other. That is, the electronic currency management system S manages the card identification information in association with the user identification information that identifies the user who uses the user terminal. Specifically, in the electronic currency management system S, the point management server 4 associates the card number with the user ID via the management number associated with both the card number and the user ID.

Then, the electronic currency management system S manages the balance of the electronic currency that can be settled by the card in association with the card number in the card management server 2. In response to a request from the user terminal 12, the carrier server 3 acquires the balance of the electronic currency stored in the account corresponding to the card number associated with the user ID from the card management server 2 via the point management server 4. Then, the balance of the electronic currency can be notified to the user terminal 12. By doing so, in the electronic currency management system S, it is as if the user manages the electronic currency in association with the user terminal 12 without inputting the information about the electronic currency account to the user terminal 12. You can grasp the balance of electronic currency with the same feeling.

Further, in the electronic currency management system S having the above configuration, the point management server 4 integrates the usage status of the card 11 managed by the card management server 2 and the usage status of the user terminal 12 managed by the carrier server 3. And realize the integration of points. Specifically, the point management server 4 integrates the usage status of the card 11 and the usage status of the user terminal 12 by linking the management number and the user ID.

Since the point management server 4 manages the integrated information in association with the user ID, it is possible to acquire the usage status of the card 11 and the usage status of the user terminal 12 of the corresponding user using the user ID as a key.
Therefore, in the electronic currency management system S, when a user using the user terminal 12 makes a request by designating a user ID, the user can grasp various information managed by the point management server 4. Specifically, when the user terminal 12 transmits predetermined information including the user ID to the carrier server 3, the carrier server 3 acquires various related information from the point management server 4 using this user ID as a key, and the user. Provided to the terminal 12. The point management server 4 and the carrier server 3 may provide the difference information with respect to the information provided at the time of the previous request to the user terminal 12.

[Example of display screen of user terminal 12]
Here, FIG. 4 shows an example of a display screen displayed on the user terminal 12 based on various information provided from the carrier server 3. FIG. 4A is a display screen 200 showing an example of the top screen displayed during the execution of the above-mentioned application, and FIG. 4B is a display showing an example of the menu screen displayed during the execution of the application. Screen 210.

As shown in FIG. 4A, the display screen 200 includes a card balance display 201, a point number display 202, a charge button 203, and a menu button 204.
The card balance display 201 is a display showing the balance of the prepaid card 11, and the point number display 202 is a display showing the number of points given to the user. The display contents of the card balance display 201 and the point number display 202 are controlled based on the balance and the number of points of the card 11 acquired from the point management server 4 using the user ID as a key.

The charge button 203 is used when the user charges the card 11 with a desired amount. When the charge button 203 is operated and the user performs a predetermined charge operation, the user ID and the management number are linked to make a charge request to the card management server 2.
The menu button 204 is used when calling the menu screens of various services provided by the carrier server 3. When the menu button 204 is operated, the display screen 210 shown in FIG. 4B is displayed on the user terminal 12.

As shown in FIG. 4B, the display screen 210 includes a point menu 211, a shopping menu 212, and a card menu 213.
The point menu 211 includes a menu that encourages the use of points, such as "purchasing a product using points" and "obtaining a privilege (coupon) using points". As a result, the user is provided with various services in which the points can be used, so that the user can use the given points in various situations.

The shopping menu 212 includes a menu that encourages the use of the card 11, such as "introduction of preferential points stores" and "introduction of stores where shopping is possible using the card 11". When the card 11 is used, points are given according to the purchase amount on the point management server 4, so that the chance of giving points can be increased by providing such a menu.
The card menu 213 includes a menu for confirming the usage details of the card 11. By selecting this menu, the user can check the usage history of the card 11.

[Operation of electronic currency management system S]
The configuration of the electronic currency management system S has been described above. Subsequently, the operation of the electronic currency management system S will be described with reference to FIGS. 5 to 10.

[Operation when issuing a card]
First, the operation at the time of card issuance will be described with reference to FIGS. 5 and 6. The electronic currency management system S issues the card 11 in a locked state so that it cannot be used, and unlocks the card 11 in cooperation with the card 11 and the user terminal 12. The locked state is, for example, a state in which requests for payment, charging, and the like cannot be made on the card management server 2 side.
Specifically, as shown in FIG. 5, the card 11 is provided with an IC (Integrated Circuit) chip 111 that can be read by the user terminal 12, and the IC chip 111 is read by the user terminal 12 to read the card. The lock of 11 is released, and the card 11 can be used. In the present embodiment, the card 11 is provided with an IC chip 111 corresponding to NFC (Near Field Communication), and the user terminal 12 reads the IC chip 111 by using its own NFC communication function.

Here, an example of processing at the time of issuing a card will be described with reference to FIG.
First, in step S1, the card issuer (card management server 2) sets the information in the card 11 by storing the information that can be used for unlocking in the IC chip 111. The information stored in the IC chip 111 is arbitrary information, and in the present embodiment, for example, a user ID that identifies the user terminal 12 is used. When the information that can be used for unlocking is set in the card 11, the card management server 2 issues the card 11 to the user in step S2.

When the card 11 issued from the card management server 2 arrives, in step S3, the user reads the IC chip 111 of the card 11 using the user terminal 12. That is, when the user brings the user terminal 12 into contact with the card 11, the NFC function of the user terminal 12 is exerted, and the information stored in the IC chip 111 that can be used for unlocking is read from the card 11. Subsequently, in step S4, the user terminal 12 determines whether or not the information it has and the read information match. At this time, if both information (user ID) match, the user terminal 12 makes a license request in step S5, and the card management server 2 unlocks the issued card 11 in step S6. , Allow use. On the other hand, if both information do not match in step S4, the user terminal 12 performs predetermined error processing in step S7.

The above is an example of processing at the time of card issuance. The information that can be used for unlocking the card 11 may be encrypted by a predetermined method. In this case, by having the information in which the user ID is encrypted in the user terminal 12 or storing the encryption key information, it is determined in the user terminal 12 whether or not both information match. be able to.
Further, in the example shown in FIG. 6, the user terminal 12 is determined to release the lock. In this regard, the determination may be performed not by the user terminal 12 but by any of the card management server 2, the carrier server 3, and the point management server 4.

When the user terminal 12 reads the IC chip 111 provided on the card 11 after unlocking the card 11, the display screen displayed during the execution of the above-mentioned application (for example, the display screen shown in FIG. 4A). 200) may be automatically displayed on the user terminal 12. That is, when the user terminal 12 reads the IC chip 111, it requests various information from the carrier server 3 and displays the acquired information in response to the request.

[Operation when charging]
Subsequently, the operation when charging the amount of money to the card 11 will be described with reference to FIG. 7. FIG. 7A is a display screen 220 showing a charge menu screen displayed when the charge button 203 is operated in the display screen 200 (see FIG. 4A) showing the top screen.

As shown in FIG. 7A, the electronic currency management system S of the present embodiment includes at least a charging method 221 and a charging method 222 as a method of charging an amount of money to the card 11. The charging method 221 is a charging method in which an amount of money is charged to the card 11 by using at least a part of the points given, and the points are charged by converting them into money at a predetermined rate. Further, the charging method 222 is a charging method for charging using carrier settlement. The carrier settlement is to settle together with the communication charge of the user terminal 12, and in this charging method 222, the charged amount is added to the billing amount of the user terminal 12 and billed. In this embodiment, only the charging methods 221 and 222 will be described, but the charging method for the card 11 is not limited to these, and may be realized by other methods. For example, a bank account used by the user may be set in advance, and the card 11 may be charged through this bank account.

FIG. 7B shows the flow of operations of the charging method 221 and the charging method 222. As shown in FIG. 7B, in step S11, the user terminal 12 makes a charge request to the carrier server 3. In this charge request, the user terminal 12 notifies the carrier server 3 of the charge method and the charge amount together with the user ID.

When the carrier server 3 receives the charge request, in step S12, the carrier server 3 notifies the point management server 4 that the charge request has been received from the user terminal 12. Specifically, the carrier server 3 notifies the point management server 4 by using the user ID that identifies the user terminal 12 that has received the charge request.

Subsequently, in step S13, the point management server 4 specifies a management number corresponding to the user ID, and the card management server 2 is assigned an account associated with the card number set on the card 11 corresponding to the management number. Notify to charge the requested amount. Upon receiving this notification, the card management server 2 deposits the amount notified to the account corresponding to the card number set in the card 11 of the card number corresponding to the management number. The process of step S13 will be performed after the processes of steps S14A and S14A and B have been performed in detail.

Step S14A is a process executed when the charging method 221 is selected, and step S14B is a process executed when the charging method 222 is selected.
In step S14A, the point management server 4 subtracts points corresponding to the charge amount from the points associated with the user ID.

Further, in step S14B, the carrier server 3 adds an amount corresponding to the charge amount to the billing amount associated with the user ID, and bills the user at a predetermined timing.
In carrier payment, a payment limit may be set according to the contents of the contract with the communication carrier. As an example, a payment limit may be set according to the number of months of subscription to a service provided by a telecommunications carrier. For example, a payment limit of "5,000 yen" may be set for a user with a subscription month of "12 months". , A payment limit of "10,000 yen" is set for users who have subscribed for "36 months". In such a case, in the process of step S14B, the carrier server 3 determines whether or not the total charge amount of the current month is within the settleable limit, and only if it is within the settleable limit, the carrier. Payment may be possible.

[Operation when purchasing products]
Subsequently, with reference to FIG. 8, the operation when purchasing a product using the card 11 will be described. The card 11 can be used in a real store or a virtual store on the Internet.
When purchasing a product at an actual store, as shown in step S21A, by reading the card 11 via a card reader, the payment NW50 provided by the international brand is notified of the card number of the card 11 and information regarding the purchase of the product. NS. The information regarding the purchase of the product is, for example, information on the purchase price, the purchased product, the purchased store, and the like. Further, as shown in step S21B, when purchasing a product at a virtual store, the user terminal 12 notifies the payment NW50 of the card number of the card 11 and information regarding the purchase of the product.

When the predetermined payment process is performed in the payment NW50, the payment NW50 notifies the card management server 2 of the card number and information regarding the purchase of the product in step S22. Upon receiving this information, the card management server 2 subtracts the purchase amount from the balance corresponding to the card number, updates the usage history, and notifies the settlement NW50 that the subtraction process is completed.

Subsequently, in step S23, the card management server 2 notifies the point management server 4 of the information regarding the product purchase together with the management number corresponding to the card number. The point management server 4 updates the points associated with the user ID corresponding to the management number based on the acquired information regarding the purchase of the product.

[Action when giving points]
Subsequently, with reference to FIG. 9, the operation when giving points to the user will be described. As described above, in the electronic currency management system S of the present embodiment, points are given according to the purchase of the product using the card 11, and points are also given according to the use of the user terminal 12.

When the points are given according to the purchase of the product, in step S31, the point management server 4 acquires the information related to the product purchase together with the management number from the card management server 2. Then, in step S32, the point management server 4 specifies a rate according to the store where the product is purchased, and calculates points according to the purchase amount based on the rate. The processes of steps S31 and S32 are performed every time the user purchases a product using the card 11.
When the points corresponding to the purchase amount are calculated, in step S35, the point management server 4 adds the calculated points to the points stored in association with the user ID corresponding to the management number.

Further, in step S33, the point management server 4 acquires the billing amount together with the user ID from the carrier server 3. Then, in step S34, the point management server 4 calculates points according to the billing amount based on a predetermined rate. The processing of steps S33 and S34 is performed at the timing when the billing amount is fixed.
When the points corresponding to the billed amount are calculated, in step S35, the point management server 4 adds the calculated points to the points stored in association with the user ID.

[Action when providing services to users]
Subsequently, with reference to FIG. 10, the operation when providing the user-specific service to the user who uses the electronic currency management system S will be described.

When the user terminal 12 accesses the carrier server 3 with the user ID in step S41, the carrier server 3 notifies the point management server 4 of the user ID in step S42. In step S43, the point management server 4 acquires information about the service according to the notified user ID and notifies the carrier server 3, and in step S44, the service is provided from the carrier server 3 to the user terminal 12. Will be done.
The point management server 4 manages the access history for each user ID, and based on this access history, the difference information (usage amount, charge amount, increase / decrease of points) from the previous access, the current balance, and the current balance. Get the current number of points. Then, the acquired information is provided to the user terminal 12 via the carrier server 3, so that the difference from the previous time, the current balance, the number of points, and the like are displayed on the user terminal 12.

The service according to the user ID is, for example, a service that makes it possible to check the balance of the card 11 owned by the user and the points given, and introduces products that match the attributes of the user (recommendation). Services to be provided.
As an example, the point management server 4 is a product that can be purchased with the balance or points based on the balance or points associated with the user ID, or a product that can be purchased by adding a little after the balance or points that are insufficient. Provide services to introduce such things. Further, the point management server 4 provides a service for introducing products preferred by the user based on the attributes (gender, age, date of birth, hobbies and preferences) of the user associated with the user ID. It is possible to provide such a service that has been updated since the last access.

Further, the point management server 4 may be changed to a state in which the points cannot be used when the contract with the service provider using the user terminal 12 is canceled. For example, it is assumed that the communication carrier provides a communication service using the user terminal 12 and gives points according to the communication charge to the user of the user terminal 12. In this case, when the point management server 4 acquires from the carrier server 3 the information that the user of the user terminal 12 has canceled the contract with the communication carrier, the point management server 4 deletes the points stored in association with the user terminal 12. When the user of the user terminal 12 acquires the information that the contract with the communication carrier has been canceled, the point management server 4 may store the point balance with a flag indicating that the points cannot be used. When the point management server 4 receives a notification from the carrier server 3 that the user has resumed the contract with the communication carrier within a predetermined period after canceling the contract, the point management server 4 changes the above flag to give points. It may be made available.

[Configuration of electronic currency management device 10]
FIG. 11 is a block diagram showing a configuration of the electronic currency management device 10 according to the first embodiment. The electronic currency management device 10 includes a point storage unit 41, a management information storage unit 42, a map information storage unit 43, a storage unit 44, and a control unit 45.

The electronic currency management device 10 corresponds to an information providing device that provides information on the points to the user terminal 12 so that the display unit 52 of the user terminal 12 displays the stores to which the points are given at the time of purchasing the product or service. .. The information providing device may be realized by any one of the card management server 2, the carrier server 3, and the point management server 4 constituting the electronic currency management device 10 shown in FIG. 2, and the card management may be realized. It may be realized by the cooperation of the server 2, the carrier server 3, and the point management server 4. Further, the electronic currency management system S (see FIG. 2) including the electronic currency management device 10 and the user terminal 12 which is a mobile terminal corresponds to an information providing system.

As described above, when a user purchases a product at a store using the card 11 (a payment card such as a credit card or a prepaid card) shown in FIG. 2, points are awarded. Points are also awarded when a user purchases a product at a store using cash.
By the way, not all stores that provide products and services support points given by cash and card 11, and some stores give points when purchasing with cash, but card 11 Points may not be awarded for purchases made by. Therefore, when the user goes to some of the stores with the expectation that points will be given by purchasing with the card 11, the user gives up the purchase with the card 11 and searches for another store because the points are not given. I needed it. Alternatively, the user had to give up giving points and purchase with the card 11 at some of the stores.

Therefore, the electronic currency management device 10 according to the first embodiment is in a predetermined range from the position of the user terminal 12 of the user, and points are given when the product or service is purchased using the card 11. Is extracted, and the location of the extracted store is displayed on the user terminal 12.
In such a case, the user can appropriately recognize the store to which points are given when the product or service is purchased using the card 11 by displaying the extracted store position on the user terminal 12. Therefore, the user can save the trouble of searching for a store to which points are given by using the card 11. In particular, since the position of the store located near the user's current position is displayed on the user terminal 12, the user can easily try to use the card 11 in order to acquire points, and as a result, the use of the card 11 can be promoted. ..

Hereinafter, the configuration of each part of the electronic currency management device 10 will be described.
The point storage unit 41 is a storage medium such as a hard disk. As shown in FIG. 3C described above, the point storage unit 41 stores a table in which the user ID of the user terminal 12, the management number, the number of points, and the point detail information are associated with each other. The point detail information includes information such as the name of the store or company that gave the points and the date and time when the points were given. Since the management number is a number uniquely corresponding to the card number, it is used as card identification information.

The management information storage unit 42 stores store management information that manages stores to which points are awarded when a user purchases a product or service. In particular, the management information storage unit 42 has a function of a storage unit that stores a store in which points are given when a product or service is purchased using the card 11 and the location of the store in association with each other.

FIG. 12 is a diagram showing an example of store management information stored by the management information storage unit 42. For example, the management information storage unit 42 stores the store ID, the store position, the point grant rate, the store priority, the card correspondence, and the card type as store management information in association with each other.

The store ID is store information that uniquely indicates a store to which points are awarded. Examples of the store include a store that sells products, a store that rents products, and a store that provides services. The store location is location information indicating the location of the store. The location information includes at least one of map data indicating the location of the store and the address of the store.
The point award rate is rate information indicating the ratio of the number of points awarded to the purchase amount of a product or service at a store. In addition, instead of the point grant rate, the purchase amount and the number of points granted may be stored. The store priority is rank information indicating the priority when extracting stores. In FIG. 12, rank 1 has the highest priority, followed by rank 2 and rank 3 in that order. Regarding the priority setting, for example, when there is a request from the store side to preferentially extract, the priority is set to rank 1.

Card correspondence is information indicating whether or not a store is given points when a product or service is purchased with the card 11. The card type is type information indicating the type of the card 11 to which the store gives points. The type here is a credit card (type A shown in FIG. 12) or a prepaid card (type B), but the type is not limited to this, and other types of payment cards may be included.
The store management information does not have to include all the above-mentioned information, and may include a part of the above-mentioned information. In addition, the store management information may include other information such as the purchase date and time of the product or service.

Returning to FIG. 11, the map information storage unit 43 stores the map information acquired from the external map database. For example, the map information storage unit 43 stores map information corresponding to the location information of the store management information stored in the management information storage unit 42.

The storage unit 44 is a memory such as a ROM and a RAM, or a storage medium such as a hard disk. The storage unit 44 stores a program for operating the control unit 45 and data generated when the control unit 45 operates.

The control unit 45 is, for example, a CPU, and by executing a program stored in the storage unit 44, the management information acquisition unit 451, the position request acquisition unit 452, the terminal position acquisition unit 453, the performance information acquisition unit 454, and the extraction unit It functions as a 455 and a display control unit 456.

The management information acquisition unit 451 acquires store management information that manages stores to which points are awarded when a user purchases a product or service. For example, the management information acquisition unit 451 acquires information on the store position, the point award rate, and the like shown in FIG. 12 as store management information from the store terminal 5, and stores it in the management information storage unit 42.

The position request acquisition unit 452 acquires a position request for requesting the position of the store transmitted from the user terminal 12. The position request is transmitted from the user terminal 12 when the user operates the user terminal 12 to check the store to which points are given when the card 11 is used, for example.

The position request includes type information indicating the type (credit card or prepaid card) of the card 11 used by the user of the user terminal 12. Depending on the type of card 11, points may not be awarded. Therefore, by acquiring the type information of the card 11, it is possible to extract the stores to which points are given by the card 11 of the type.
The position request may include a user ID, which is user identification information of the user of the user terminal 12, instead of the type information of the card 11. As described above, since the user ID and the management number of the card 11 are associated with each other, if the user ID can be specified, the type of the card 11 can be specified. Specifically, as shown in FIG. 3C, the electronic currency management device 10 stores the user ID and the management number of the card 11 (a number uniquely corresponding to the card number of the card 11) in association with each other. Therefore, even if the type information of the card 11 is not received from the user terminal 12, the type of the card 11 can be specified by receiving the user ID of the user terminal 12.

Further, the position request acquisition unit 452 may acquire the minimum value of the point award rate in the target store for displaying the position on the user terminal 12. The minimum value of the point award rate is, for example, a value input by the user at the user terminal 12, and is transmitted from the user terminal 12 at the time of a position request.

The terminal position acquisition unit 453 is a position information acquisition unit that acquires the position information of the user terminal 12. For example, the terminal position acquisition unit 453 acquires the position information from the user terminal 12 when the position request acquisition unit 452 acquires the position request. Since the user carries the user terminal 12 and purchases a product at a store, the position information of the user terminal 12 can be said to be information indicating the position of the user. The terminal position acquisition unit 453 can acquire the position information of the user terminal 12 by utilizing, for example, the GPS (Global Positioning System) function mounted on the user terminal 12.

The performance information acquisition unit 454 acquires purchase record information indicating the record of the user of the user terminal 12 purchasing the product or service. For example, the performance information acquisition unit 454 acquires purchase performance information from the store terminal 5 of the store where the user purchased the product or service. As an example, the purchase record information includes information such as the purchase amount, the purchase date and time, whether or not points are given, and whether or not the card 11 is used.

The extraction unit 455 is within a predetermined range from the position indicated by the position information of the user terminal 12 acquired by the terminal position acquisition unit 453 from the stores indicated by the store management information stored in the management information storage unit 42. Extract stores to which points are awarded when a product or service is purchased using the card 11. That is, the extraction unit 455 extracts stores that are located in the vicinity of the user terminal 12 and are given points when the card 11 owned by the user is used. For example, when the three stores (store IDs SH001, SH002, SH003) shown in FIG. 12 are located in the vicinity of the user terminal 12, the extraction unit 455 has a store ID, SH001, to which points are given by using the card. Extract SH003 stores.

The extraction unit 455 extracts stores based on the point award rate (FIG. 12) corresponding to the card 11 used by the user. For example, the extraction unit 455 extracts a predetermined number of stores in descending order of the point award rate. As a result, it is possible to preferentially extract stores where the user can earn more points.

The extraction unit 455 may extract stores whose point award rate is equal to or higher than the minimum value of the point award rate acquired by the position request acquisition unit 452. For example, when the minimum value of the point award rate is rate 2, the extraction unit 455 extracts the stores of rate 1 and rate 2 from the three stores shown in FIG. 12. Here, since the store with the rate 2 (the store with the store ID SH002) is not given points by using the card 11, the extraction unit 455 extracts the store with the rate 1 (the store with the store ID SH001). As a result, when the point award rate differs for each store, it is possible to extract stores that award points equal to or higher than the point award rate desired by the user of the user terminal 12.

The extraction unit 455 extracts stores to which points are given when a product or service is purchased with the card 11 based on the type of the card 11 used by the user. Specifically, the extraction unit 455 may extract the store based on the type information of the card 11 included in the position request acquired by the position request acquisition unit 452. Alternatively, the extraction unit 455 specifies the type of the card 11 corresponding to the user identification information included in the position request, and extracts the store where points are given to the card 11 of the specified type. As an example, when the card 11 owned by the user is a prepaid card, the extraction unit 455 extracts the stores to which points are given by using the prepaid card. As a result, it is possible to extract the stores to which points are given by the card 11 owned by the user.

The extraction unit 455 may extract the positions of stores whose priorities indicated by the priority information exceed a predetermined priority, regardless of the point award rate. For example, even if the store has a point award rate smaller than the above-mentioned minimum value, if the priority is rank 1, the extraction unit 455 extracts the store. As a result, stores can be effectively extracted when the priority is prioritized over the point award rate.

The extraction unit 455 may extract stores that have a record of purchasing goods or services by a predetermined number or more of users based on the purchase record information acquired by the record information acquisition unit 454. For example, the extraction unit 455 extracts stores in which a predetermined number or more of users have purchased a product or service using the card 11 within a predetermined period in the past. Since such a store can be assumed to be a store that is highly evaluated by general users, it can be said that the store has a high utility value for the card 11 even for the user of the user terminal 12.

The display control unit 456 causes the display unit 52 of the user terminal 12 to display the position of the store extracted by the extraction unit 455. Specifically, the display control unit 456 transmits the store management information including the extracted store location to the user terminal 12 via the communication unit, and the user terminal 12 receives the store management information by the receiving unit 51. Then, the display unit 52 displays the position of the store. For example, the display control unit 456 refers to the map information stored in the map information storage unit 43, and causes the display unit 52 to display the location of the extracted store as shown in FIG. 13 on a map.

FIG. 13 is a diagram showing an example of a display screen 230 that displays a map of the location of a store. As shown in FIG. 13, the display screen 230 displays a map within a predetermined range centered on the current position of the user terminal 12. Then, on the display screen 230, for example, an icon 231 indicating the current location of the user and a store icon 232a, 232b, 232c indicating the positions of the three extracted stores are shown. On the display screen 230, the user can select the store icons 232a, 232b, and 232c. For example, when the user selects the store icon 232a, information such as the point award rate at the store icon 232a may be displayed. Further, when the user selects the store icon 232a, the route from the user's current position to the store indicated by the store icon 232a may be shown.

The display form of the extracted store positions is not limited to the display form shown in FIG. For example, as shown in FIG. 14, the display control unit 456 may display a list so that the address, which is the location of the extracted store, can be known.

FIG. 14 is a diagram showing an example of a display screen 240 that displays a list of store locations. As shown in FIG. 14, the display screen 240 displays list information indicating the extracted stores and the positions of the stores. Specifically, the name of the store and the address of the store are displayed in association with each other. Here, it is assumed that the list display is displayed in the order of the stores having the highest point award rate, and the point award rate of the store A is the highest. Information on the point award rate may be displayed next to the name of the store. On the display screen 240, the user can select each store information 241, 242, 243 in the list. For example, when the user selects the store information 241, the display control unit 456 positions the store of the store information 241 in FIG. 13. It may be displayed on a map as shown by. Further, the display screen 240 may display a display switching icon 245 that can switch the display with the display screen 230.

Further, the display control unit 456 may display the display screen 230 shown in FIG. 13 and the display screen 240 shown in FIG. 14 together. For example, the display control unit 456 displays a list on the left side of the screen of the display unit 52 like the display screen 240, and displays a map on the right side of the screen like the display screen 230. In this way, the display control unit 456 may display at least one of the list of stores extracted by the extraction unit 455 and the map showing the position of the store on the user terminal 12. As a result, the user can grasp in detail the store where points are given when the product or service is purchased with the card 11 owned by the user.

[Process to extract and display stores that give points by using cards]
FIG. 15 is a flowchart showing a flow of processing for extracting stores to which points are given by using the card 11 and displaying them on the user terminal 12.
First, the management information acquisition unit 451 of the electronic currency management device 10 acquires store management information that manages stores to which points are given when the card 11 is used in the user terminal 12 (step S102). For example, the management information acquisition unit 451 acquires information on the store position, the point award rate, and the like shown in FIG. 12 as store management information from the store terminal 5, and sequentially stores the information in the management information storage unit 42.

Next, the position request acquisition unit 452 acquires a position request requesting the position of the store to which the points are given from the user terminal 12 (step S104). For example, when the user performs an operation of requesting a store search on the user terminal 12, the position request acquisition unit 452 acquires the position request command of the store corresponding to the operation from the user terminal 12.

Next, the terminal position acquisition unit 453 acquires the position information of the user terminal 12 for which the position request acquisition unit 452 has acquired the position request (step S106). The terminal position acquisition unit 453 may acquire the position information of the user terminal 12 in advance before acquiring the position request in step S104.

Next, the extraction unit 455 is within a predetermined range from the position indicated by the position information of the user terminal 12 acquired in step S106 from the stores indicated by the store management information acquired in step S102, and uses the card 11. Extract the stores to which points are given when the goods or services are purchased (step S108). For example, the extraction unit 455 extracts stores located in the vicinity of the user terminal 12 and having a large point award rate.

Next, the display control unit 456 causes the display unit 52 of the user terminal 12 to display the position of the store extracted in step S108 (step S110). For example, the display control unit 456 displays the location of the store on a map as shown in FIG. 13 or displays the location of the store in a list as shown in FIG.

[Effect in the first embodiment]
As described above, the electronic currency management device 10 according to the first embodiment is within a predetermined range from the position indicated by the position information of the user terminal 12, and points are given when the product or service is purchased using the card 11. The given store is extracted, and the position of the extracted store is displayed on the display unit 52 of the user terminal 12.
As a result, the user appropriately recognizes the store to which points are given when the product or service is purchased using the card 11 by displaying the extracted store position on the display unit 52 of the user terminal 12. can. Therefore, the user can save the trouble of searching for a store to which points are given by using the card 11. In particular, since the position of the store located near the user's current position is displayed on the user terminal 12, the user can easily try to use the card 11 in order to acquire points, and as a result, the use of the card 11 can be promoted.

<Second embodiment>
[Configuration of electronic currency management device 10]
FIG. 16 is a block diagram showing a configuration of the electronic currency management device 10 according to the second embodiment. The electronic currency management device 10 includes a point storage unit 41, a map information storage unit 43, a storage unit 44, a control unit 45, and a performance information storage unit 47.

The point awarding service by the store is not provided indefinitely, but may be provided for a limited time as, for example, a store promotion campaign. Alternatively, points may be canceled due to the convenience of the store. In the past, when points were awarded or canceled in this way, the store may continue to be displayed as a store where points are awarded, even though the store is not. In such a case, the user may assume that the points will be awarded and continue the purchase at the store even after the points have been granted or stopped at the store.

Therefore, the electronic currency management device 10 according to the second embodiment acquires purchase record information including store information that identifies a store to which points have been given when a user purchases a product or service. Then, the electronic currency management device 10 extracts the position of the store that is within a predetermined range from the position of the user terminal 12 of the user and is indicated by the purchase record information, and displays the position of the extracted store on the user terminal 12.
Since the purchase record information includes the store information that identifies the store to which the points were given when the user purchased the product or service in the past, it can be estimated whether or not the points are given even at the present time. Therefore, by extracting and displaying the stores that can be presumed to have points, the user can appropriately recognize the position of the store where the points are given at the present time. Further, since the position of the store located near the current position of the user is displayed on the user terminal 12, the user can easily try to purchase the product in order to acquire points.

Hereinafter, the configuration of each part of the electronic currency management device 10 according to the second embodiment will be described. The point storage unit 41, the map information storage unit 43, and the storage unit 44 according to the second embodiment include the point storage unit 41, the map information storage unit 43, and the storage unit 44 according to the first embodiment shown in FIG. Since the configuration is the same as that of the unit 44, detailed description thereof will be omitted.

The performance information storage unit 47 stores purchase performance information indicating the purchase performance of the user at the store where points were given when the product or service was purchased.
FIG. 17 is a diagram showing an example of purchase record information stored in the record information storage unit 47. The purchase record information is stored in association with the store ID, the store position, the purchase amount (provisional), the purchase amount (confirmed), the point grant rate, the user ID, the coupon, and the posted content.

The store ID is store information that uniquely indicates a store to which points have been given. Examples of the store include a store that sells products, a store that rents products, and a store that provides services. The store location is location information indicating the location of the store. The location information includes at least one of map data indicating the location of the store and the address of the store.

The purchase amount is amount information indicating the purchase amount when the product or service is purchased at the store. In the present embodiment, the purchase amount is divided into an undetermined purchase amount (provisional) and a confirmed purchase amount (confirmed). For example, when paying with the card 11, the price is deducted after a predetermined period has elapsed from the purchase at the store. Therefore, the purchase amount is undecided (provisional) before the price is withdrawn, and the purchase amount is fixed (fixed) after the price is withdrawn. In the unconfirmed state, the purchase amount (provisional) is stored, and the purchase amount (confirmed) is not stored. When paying in cash, there is no purchase amount (provisional) and the purchase amount is fixed (fixed). For this reason, the performance information storage unit 47 contains provisional purchase record information indicating the provisional purchase amount acquired before the lapse of a predetermined period (within the first period) from the purchase, and after the lapse of the predetermined period from the purchase (within the first period), as purchase record information. Includes fixed purchase amount performance information indicating the fixed purchase amount acquired after the lapse of the second period).

The point award rate is a rate indicating the ratio of the number of points awarded to the purchase amount of a product or service at a store. In addition, instead of the point grant rate, the number of points granted may be stored.
The user ID is identification information that identifies a user who has purchased a product or service at the store. The coupon is historical information of the coupon usage history indicating whether or not the user used the coupon when the user purchased the product or service. The usage history includes, for example, coupon identification information that identifies the coupon.

The posted content is the posted information of the user related to the purchase of the product or service at the store. The posted information is, for example, user information indicating an impression or the like related to the purchase of a product or service by the user at the store.
The purchase record information does not have to include all the above-mentioned information, and may include a part of the above-mentioned information. Further, the purchase record information may include other information such as the purchase date and time of the product or service.

Returning to FIG. 16, the control unit 45 is, for example, a CPU, and by executing the program stored in the storage unit 44, the performance information acquisition unit 461, the position request acquisition unit 462, the terminal position acquisition unit 463, and the extraction unit 465 are executed. , And functions as a display control unit 466.

The performance information acquisition unit 461 acquires purchase performance information including store information that identifies a store to which points have been awarded when a user purchases a product or service. Specifically, the performance information acquisition unit 461 associates the purchase performance information shown in FIG. 17, that is, the store ID, the store position, the purchase amount, the point award rate, the user ID, the coupon, and the posted content. Acquire purchase record information. The performance information acquisition unit 461 stores the acquired purchase record information in the performance information storage unit 47.

The performance information acquisition unit 461 acquires purchase performance information from the store terminal 5 and the user terminal 12 of the store where the user purchased the product or service. That is, the performance information acquisition unit 461 acquires a part of the information constituting the purchase record information from the store terminal 5, and acquires the remaining information from the user terminal 12. For example, when the user inputs the posted information on the user terminal 12, the performance information acquisition unit 461 acquires the input posted information by receiving it from the user terminal 12.

The position request acquisition unit 462 acquires a position request for requesting the position of the store to which the points are awarded. For example, when the user performs an operation of requesting a search for the store on the user terminal 12, the position request acquisition unit 462 acquires from the user terminal 12 as a position request command corresponding to the operation.

The terminal position acquisition unit 463 is a position information acquisition unit that acquires the position information of the user terminal 12. For example, the terminal position acquisition unit 463 acquires the position information from the user terminal 12 when the position request acquisition unit 462 acquires the position request. The terminal position acquisition unit 463 can acquire the position information of the user terminal 12 by utilizing, for example, the GPS function mounted on the user terminal 12.

The extraction unit 465 extracts a store that is within a predetermined range from the position of the user terminal 12 indicated by the location information and is indicated by the purchase record information. That is, the extraction unit 465 extracts stores that are located in the vicinity of the user terminal 12 and are estimated to be given points at the present time. For example, when two stores whose store IDs are SH001 and SH002 are located in the vicinity of the user terminal 12 among the stores shown in FIG. 17, the extraction unit 465 extracts the two stores.

The extraction unit 465 may extract stores that have a record of purchasing goods or services by a predetermined number or more of users based on the purchase record information. Since there is a high probability that points will be continuously awarded to stores that have been purchased by a predetermined number of users or more, it is possible to extract the stores to which points are awarded at the present time with high accuracy.

The extraction unit 465 may extract stores based on the point award rate (FIG. 17) indicating the number of points awarded to the purchase amount. For example, the extraction unit 465 extracts stores whose point award rate is equal to or higher than a predetermined value. As a result, it is possible to preferentially extract stores where the user can earn more points.

The extraction unit 465 may extract stores based on the provisional purchase record information until the second period elapses, and after the second period elapses, extract stores based on the confirmed purchase record information. good. By using the two purchase record information according to the payment status in this way, the purchase record of the user can be reflected in real time. Further, the extraction unit 465 may extract stores by weighting the confirmed purchase record information larger than the provisional purchase record information. After the provisional purchase and before the confirmation, the user may find out that the points are not actually given and cancel the purchase, but if the purchase is confirmed, it can be estimated that the points have been given. Therefore, by increasing the weighting after confirmation, it is possible to extract the stores to which points are given with higher accuracy.

The display control unit 466 causes the display unit 52 of the user terminal 12 to display the position of the store extracted by the extraction unit 465. Specifically, the display control unit 466 transmits the store management information including the extracted store location to the user terminal 12 via the communication unit, and the user terminal 12 receives the store management information by the receiving unit 51. Then, the display unit 52 displays the position of the store. For example, the display control unit 466 refers to the map information stored in the map information storage unit 43, and causes the display unit 52 to display the location of the extracted store as shown in FIG. 18 on a map.

FIG. 18 is a diagram showing an example of a display screen 250 that displays a map of the location of a store. The display screen 250 shown in FIG. 18 includes a map area 251 for displaying a map, a posting area 254 for displaying user's posting information, and a coupon area 257 for displaying a coupon. The display screen 250 may further include an area other than these three areas, or may not include at least one of the posting area 254 and the coupon area 257.

In the map area 251, a map within a predetermined range is displayed centering on the current position of the user terminal 12. In FIG. 18, a user icon 252 indicating the current location of the user and store icons 253a, 253b, and 253c indicating the positions of the three extracted stores are shown.
In the posting area 254, the user's posting information for the store corresponding to the store icon displayed in the map area is displayed. In FIG. 18, information posted to the store corresponding to the store icon 253a is displayed. As a result, the user can refer to the evaluation of other users for the store.

In the coupon area 257, coupon information that can be used in the store corresponding to the store icon displayed in the map area is displayed. The user can obtain a coupon that can be used at the store by selecting the coupon icon 258 in the coupon area 257.
In the posting area 254 and the coupon area 257, when any of the store icons in the map area 251 is selected, the posting information and the coupon information corresponding to the selected store may be displayed.

The display form of the extracted store positions is not limited to the display form shown in FIG. For example, as shown in FIG. 19, the display control unit 466 may display a list so that the address, which is the location of the extracted store, can be known.

FIG. 19 is a diagram showing an example of a display screen 260 that displays a list of store locations. As shown in FIG. 19, on the display screen 260, the store information 261, 262, and 263 of the three extracted stores A, B, and C are displayed in a list. Here, the stores A, B, and C each correspond to the three stores shown in FIG. 17, and specifically, it is assumed that the store A is a store whose store ID is SH001.

The display items of the three store information 261 to 263 are different. For example, as shown in FIG. 17, the store information 263 of the store C extracted based on the provisional purchase record information including the purchase amount (provisional) includes the name and position of the store, whereas the purchase amount is included. The store information 261 and 262 of stores A and B extracted based on the confirmed purchase record information including (confirmed) include the store type (convenience store, supermarket, etc.) and the latest purchase in addition to the store name and location. Includes dates, coupons, etc. As described above, the display control unit 466 may display the information about the store extracted based on the confirmed purchase record information in more detail than the information about the store extracted based on the provisional purchase record information.

The display control unit 466 may display not only one of the map display shown in FIG. 18 and the list display shown in FIG. 19, but also the map and the list together. For example, the display control unit 466 displays a list on the left side of the screen of the display unit 52 and displays a map on the right side of the screen. As a result, the user can grasp the details of the store to which the points are awarded.

[Process to extract and display stores to which points are given]
FIG. 20 is a flowchart showing a flow of processing for extracting stores to be given points and displaying them on the user terminal 12.
First, the performance information acquisition unit 461 acquires purchase performance information including store information that identifies a store to which points have been awarded when a user purchases a product or service (step S202). For example, the performance information acquisition unit 461 acquires information regarding the location of the store shown in FIG. 17 as purchase record information from the store terminal 5, and sequentially stores the information in the record information storage unit 47.

Next, the position request acquisition unit 462 acquires a position request requesting the position of the store to which the points are given from the user terminal 12 (step S204). For example, when the user performs an operation of requesting a store search on the user terminal 12, the position request acquisition unit 462 acquires the position request command of the store corresponding to the operation from the user terminal 12.

Next, the terminal position acquisition unit 463 acquires the position information of the user terminal 12 for which the position request acquisition unit 462 has acquired the position request (step S206). The terminal position acquisition unit 463 may acquire the position information of the user terminal 12 in advance before acquiring the position request in step S204.

Next, the extraction unit 465 extracts the position of the store that is within a predetermined range from the position of the user terminal 12 indicated by the location information and is indicated by the purchase record information of FIG. 17 (step S208). For example, the extraction unit 455 extracts a store located near the user terminal 12 from the stores indicated by the purchase record information and having a large point award rate.

Next, the display control unit 466 causes the display unit 52 of the user terminal 12 to display the position of the store extracted in step S208 (step S110). For example, the display control unit 466 displays the location of the store on a map as shown in FIG. 18 or displays the location of the store in a list as shown in FIG.

In the above, it is determined that the position request acquisition unit 462 acquires the position request after the actual information acquisition unit 461 acquires the purchase record information, but the present invention is not limited to this. For example, the acquisition of the purchase record information may be performed after the acquisition of the position request and the acquisition of the position information of the user terminal 12. Specifically, the performance information acquisition unit 461 may acquire purchase record information in a store within a predetermined range of the user terminal 12 after specifying the position of the user terminal 12 that has received the position request. In such a case, the purchase record information to be acquired can be limited, and the amount of data to be processed can be suppressed.

[Effect in the second embodiment]
As described above, the electronic currency management device 10 according to the second embodiment extracts a store that is within a predetermined range from the position of the user terminal 12 of the user and is indicated by the purchase record information, and the position of the extracted store is set by the user. Display on the terminal 12.
Since the purchase record information includes the store information that identifies the store to which the points were given when the user purchased the product or service, it can be estimated whether or not the points are given even at the present time. In particular, according to the purchase record information, it is possible to grasp the date and time when points were awarded, so it is possible to estimate with high accuracy whether or not points have been awarded at the present time. Therefore, by extracting and displaying the stores that can be presumed to have points, the user can appropriately recognize the position of the store where the points are given at the present time. Further, since the position of the store located near the current position of the user is displayed on the user terminal 12, the user can easily try to purchase the product in order to acquire points.

In the second embodiment, the stores located in the vicinity of the user terminal 12 are extracted from the stores to which points are given when the user purchases the product or service with the card 11 or cash. Not limited to this. For example, also in the second embodiment, a store located in the vicinity of the user terminal 12 may be extracted from the stores to which points are given when a product or the like is purchased with the card 11.

Although the present invention has been described above using the embodiments, the technical scope of the present invention is not limited to the scope described in the above embodiments. It will be apparent to those skilled in the art that various changes or improvements can be made to the above embodiments. In particular, the specific embodiment of the distribution / integration of the device is not limited to the one shown above, and all or a part thereof may be in arbitrary units according to various additions or the like, or according to the functional load. It can be functionally or physically distributed and integrated.

S ... Electronic currency management system, 1 ... User equipment, 2 ... Card management server, 3 ... Carrier server, 4 ... Point management server, 10 ... Electronic currency management device, 11. Card, 12 ... user terminal, 42 ... management information storage unit, 451 ... management information acquisition unit, 452 ... position request acquisition unit, 453 ... terminal position acquisition unit, 454 ... Achievement information acquisition unit, 455 ... Extraction unit, 456 ... Display control unit, 461 ... Achievement information acquisition unit, 462 ... Position request acquisition unit, 463 ... Terminal position acquisition unit, 465.・ ・ Extraction unit, 466 ・ ・ ・ Display control unit, 47 ・ ・ ・ Actual information storage unit, 51 ・ ・ ・ Reception unit, 52 ・ ・ ・ Display unit,

Claims (10)

An information providing device that displays on a mobile terminal the location of a store where points are awarded when purchasing a product or service.
Along with the associate and store information indicating the store in which the point is given if you have purchased a product or service using a payment card, and type information indicating the type of the previous Symbol settlement for the card, and the type information, the portable A storage unit that stores user identification information of the terminal in association with it,
An acquisition unit that acquires position information indicating a position regarding a user of the mobile terminal and user identification information of the mobile terminal.
From the stores indicated by the store information stored in the storage unit, the payment card that is within a predetermined range from the position indicated by the location information and is associated with the user identification information acquired by the acquisition unit. An extraction unit that extracts stores to which the points are given when a product or service is purchased using the payment card based on the type of
A display control unit that displays the location of the store extracted by the extraction unit on the mobile terminal,
An information providing device equipped with. The storage unit stores the point grant rate indicating the ratio of the points to the purchase amount of the product or service in association with the store information.
The extraction unit extracts the store based on the point award rate.
The information providing device according to claim 1. The acquisition unit further acquires the minimum value of the point award rate in the store whose position is to be displayed on the mobile terminal.
The extraction unit extracts the store whose point award rate is equal to or higher than the minimum value.
The information providing device according to claim 2. The storage unit stores the priority information indicating the priority for extracting the store and the store information in association with each other.
The extraction unit extracts the position of the store where the priority indicated by the priority information exceeds a predetermined priority, regardless of the point award rate.
The information providing device according to claim 3. The storage unit stores the type information, the store information, and the point grant rate indicating the ratio of the points to the purchase amount of the product or service in association with each other.
The extraction unit extracts the store based on the point award rate corresponding to the payment card used by the user.
The information providing device according to claim 1. The acquisition unit acquires a position request that is transmitted from the mobile terminal and requests the location of the store, and includes type information indicating the type of the payment card used by the user of the mobile terminal. ,
The extraction unit extracts the store based on the type information included in the position request acquired by the acquisition unit.
The information providing device according to claim 1. The display control unit causes the mobile terminal to display at least one of a list of the stores extracted by the extraction unit and a map showing the location of the stores.
The information providing device according to any one of claims 1 to 6. The acquisition unit further acquires purchase record information indicating the record of purchase of goods or services by the user of the mobile terminal.
The extraction unit extracts the stores that have a record of purchasing goods or services by a predetermined number or more of users based on the purchase record information.
The information providing device according to any one of claims 1 to 7. An information providing system including a mobile terminal that displays the location of a store where points are awarded when a product or service is purchased, and an information providing device that provides information about the points to the mobile terminal.
The information providing device is
Along with the associate and store information indicating the store in which the point is given if you have purchased a product or service using a payment card, and type information indicating the type of the previous Symbol settlement for the card, and the type information, the portable A storage unit that stores user identification information of the terminal in association with it,
An acquisition unit that acquires position information indicating a position regarding a user of the mobile terminal and user identification information of the mobile terminal.
From the stores indicated by the store information stored in the storage unit, the payment card that is within a predetermined range from the position indicated by the location information and is associated with the user identification information acquired by the acquisition unit. An extraction unit that extracts stores to which the points are given when a product or service is purchased using the payment card based on the type of
A transmission unit that transmits store information including the location of the store extracted by the extraction unit to the mobile terminal, and a transmission unit.
Have,
The mobile terminal is
A receiving unit that receives the store information from the information providing device, and
A display unit that displays the position of the store extracted by the extraction unit based on the store information, and a display unit.
Information provision system. It is an information providing method that displays the location of the store where points are awarded when purchasing a product or service on a mobile terminal.
Along with the associate and store information indicating the store in which the point is given if you have purchased a product or service using a payment card, and type information indicating the type of the previous Symbol settlement for the card, and the type information, the portable The step of associating with the user identification information of the terminal and storing it in the storage unit,
A step of acquiring position information indicating a position regarding a user of the mobile terminal and user identification information of the mobile terminal, and
From the stores indicated by the store information stored in the storage unit, based on the type of the payment card that is within a predetermined range from the position indicated by the location information and is associated with the acquired user identification information. Then, the step of extracting the stores to which the points are given when the product or service is purchased using the payment card, and
The step of displaying the extracted location of the store on the mobile terminal and
Information provision method.

Images