JP7364727B2 - Provision device, method and program - Google Patents

Description

Application of Article 30, Paragraph 2 of the Patent Act https://about. paypay. ne. jp/pr/20210819/01/Press release 1. pdf https://about. paypay. ne. jp/pr/20210819/02/Press release 2. pdf https://www. youtube. com/watch? v=DFnps0pTaGw&t=124s Video information. pdf

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

2. Description of the Related Art Conventionally, techniques for providing services aimed at attracting users to stores have been known. As an example of such technology, a technology has been proposed that provides users with services related to electronic stamps in shopping services.

JP2019-219962A JP2016-106286A

However, the above-mentioned conventional technology is not necessarily convenient for users or businesses.

For example, in the above-mentioned conventional technology, since a stamp is only given in response to a user's e-commerce order to a store, a stamp cannot be given when the user conducts a transaction at a physical store. It is not necessarily convenient for users.

In addition, if a user conducts business transactions at a physical store, the business operator must separately issue a stamp card printed on a designated medium and attach a stamp, which is convenient for the business operator. Not necessarily.

The present application has been made in view of the above, and aims to provide a providing device, a providing method, and a providing program that improve convenience for users and businesses.

The provision device according to the present application is for payment to a store, and the store uses a code indicating user identification information that identifies the user, which is information displayed on the user terminal used by the user. Payment using a payment method that is read by a store terminal, or a payment method that is performed by a user terminal owned by the user that reads a code that indicates store identification information that identifies the store. a reception unit that receives payment information including store identification information that identifies the store when an operation for performing the above is performed; and a reception unit that is linked to the store identification information included in the payment information accepted by the reception unit. The present invention includes an assigning unit that identifies a stamp card and assigns a stamp to the stamp card based on the payment information, and a providing unit that provides the user with information indicating the stamp assigned by the assigning unit. It is characterized by

According to one aspect of the embodiment, it is possible to improve convenience for users and businesses.

FIG. 1 is a diagram illustrating an example of provision processing according to an embodiment. FIG. 2 is a diagram showing an example of a screen of a user terminal according to the embodiment. FIG. 3 is a diagram illustrating a configuration example of a payment server according to an embodiment. FIG. 4 is a diagram illustrating an example of an account database according to the embodiment. FIG. 5 is a diagram illustrating an example of a stamp card information database according to the embodiment. FIG. 6 is a diagram illustrating an example of a user information database according to the embodiment. FIG. 7 is a diagram illustrating an example of a business information database according to the embodiment. FIG. 8 is a diagram illustrating an example of the billing information database according to the embodiment. FIG. 9 is a diagram illustrating an example of screens of a business terminal and a user terminal according to the embodiment. FIG. 10 is a flowchart illustrating an example of the procedure of the provision process according to the embodiment. FIG. 11 is a hardware configuration diagram showing an example of a computer that implements the functions of a payment server.

DESCRIPTION OF THE PREFERRED EMBODIMENTS Below, a mode for implementing a providing apparatus, a providing method, and a providing program (hereinafter referred to as "embodiments") according to the present application will be described in detail with reference to the drawings. Note that the providing device, providing method, and providing program according to the present application are not limited by this embodiment. Further, in each of the embodiments below, the same parts are given the same reference numerals, and redundant explanations will be omitted.

[1. Embodiment]
With reference to FIG. 1, the provision processing realized by the provision apparatus and the like of this embodiment will be described. FIG. 1 is a diagram illustrating an example of provision processing according to an embodiment. In FIG. 1, it is assumed that the payment server 10, which is an example of the provision device according to the present embodiment, realizes the provision processing according to the embodiment.

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

The payment server 10 shown in FIG. 1 is an information processing device that executes the provision process according to the embodiment, and is realized by a server device, a cloud system, or the like. For example, the payment server 10 provides an electronic payment service regarding electronic payment using the user terminal 100. For example, the payment server 10 manages the accounts of providers (business operators) of transaction objects and users to whom transaction objects are provided, and transfers electronic money between accounts in accordance with payment requests from users. By doing so, various payments can be realized. Note that electronic money may be, for example, points or currency used independently by various companies, or may be currency provided by a country such as Japanese yen or dollars that can be electronically transacted. good.

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

The business terminal 200 shown in FIG. 1 is an information processing device used by a business that provides transactions to users. The business terminal 200 is realized by, for example, a smartphone, a tablet terminal, a notebook PC, a desktop PC, a mobile phone, a PDA, or the like. Further, the business terminal 200 displays information distributed by the payment server 10 using a web browser or an application. Note that the example shown in FIG. 1 shows a case where the business terminal 200 is a smartphone.

Note that when the user terminal 100 and the business terminal 200 receive control information for realizing predetermined information processing from the payment server 10, they realize the information processing according to the control information. Here, the control information is, for example, a script language such as JavaScript (registered trademark), a style sheet language such as CSS (Cascading Style Sheets), a programming language such as Java (registered trademark), or a mark such as HTML (HyperText Markup Language). It is written in an application language, etc. Note that the predetermined application itself distributed from the payment server 10 may be regarded as the control information.

[1-1. About payment using user terminal 100]
Here, an example of payment (electronic payment) using the user terminal 100 will be described prior to the provision processing executed by the payment server 10. In the following explanation, the user U1 uses a two-dimensional code (QR code (registered trademark)) placed at the store A and indicates store identification information C1 that identifies the store A. Although an example in which payment is made using the user terminal 100 will be described, the embodiment is not limited to this. An example of a payment described below can be applied to a case where any user makes a payment at any store using any user terminal 100. Moreover, the store identification information C1 may be not only a QR code but also a bar code, a predetermined mark, a number, etc.

For example, when user U1 makes a payment for the use or purchase of payment objects (transaction objects) such as various products and services at store A, user U1 uses the payment application preinstalled on the user terminal 100. to start. Then, the user U1 photographs the store identification information C1 installed at the store A via the payment application. In such a case, the user terminal 100 displays a screen for inputting the price to be paid, and accepts input of the payment amount from the user U1 or the clerk at store A. Then, the user terminal 100 stores user identification information that identifies the user U1, and store identification information C1 (or information indicated by the store identification information C1, that is, information indicating the store A (for example, store ID)). , and the payment amount, to the payment server 10.

In such a case, the payment server 10 transfers the amount of electronic money indicated by the payment amount from the account of the user U1 indicated by the user identification information to the account of the store A indicated by the store identification information C1. The payment server 10 then sends a notification to the user terminal 100 that the payment has been completed. In such a case, the user terminal 100 notifies that the payment has been made using electronic money by displaying a screen or outputting a predetermined sound indicating that the payment has been completed.

Note that payment using the user terminal 100 is not limited to the processing described above. For example, the payment using the user terminal 100 may be made using a store terminal installed at store A. For example, the user terminal 100 displays user identification information for identifying the user U1 on the screen. In such a case, the store terminal installed in store A reads the user identification information displayed on the user terminal 100, and reads the user identification information (or information indicated by the user identification information, that is, user U1 (for example, user ID)), the payment amount, and information identifying store A, is transmitted to the payment server 10. In such a case, the payment server 10 transfers the amount of electronic money indicated by the payment amount from the account of the user U1 indicated by the user identification information to the account of the store A, and transfers the amount of electronic money indicated by the payment amount to the store terminal of the store A or the user U1's account. The fact that the payment has been completed may be notified by causing the terminal 100 to output a screen or a predetermined sound indicating that the payment has been completed.

In addition, the payment using the user terminal 100 is not limited to the process of transferring electronic money from the account to which the user U1 has charged electronic money in advance to the store A's account. Payment may be made using a card. In such a case, for example, the user terminal 100 may transfer the electronic money of the payment amount to the store A's account and request the payment amount from the company that operates the credit card of the user U1. .

[1-2. About the overview of the embodiment]
Here, conventionally, as a technique for providing a service aimed at attracting users to a store, a technique has been proposed for providing a service related to electronic stamps to users in a shopping service. However, with such technology, stamps are only given in response to a user's e-commerce order to a store, so stamps cannot be given when a user conducts a transaction at a physical store. It is not necessarily convenient for users. In addition, if a user conducts business transactions at a physical store, the business operator must separately issue a stamp card printed on a designated medium and attach a stamp, which is convenient for the business operator. Not necessarily.

Therefore, the payment server 10 executes the provision processing according to the embodiment. The provision processing executed by the payment server 10 will be described below with reference to FIG. In addition, in the following description, an example will be shown in which the user terminal 100 is used by the user U1. Furthermore, in the following description, the user terminal 100 may be equated with the user U1. That is, below, the user U1 can also be read as the user terminal 100.

Furthermore, in the following description, an example will be shown in which the business terminal 200 is used by the business operator M1. Furthermore, in the following description, the operator terminal 200 may be equated with the operator M1. That is, below, the operator M1 can also be read as the operator terminal 200.

In addition, in the following description, the payment server 10 stores in its own device information regarding the stamp card, which is an electronic stamp card linked to a store where the above-mentioned electronic payment is available, and which is owned by each user. It shall be managed by the department. For example, the payment server 10 manages information indicating the store linked to the stamp card (in other words, a store where the stamp card can be used), information indicating the number of stamps attached to the stamp card, and the like.

First, the business terminal 200 receives settings regarding the electronic stamp card provided by the store A to the user from the business M1 (step S1). For example, the business terminal 200 launches a payment application (for example, a payment application for businesses) in response to an operation from the business operator M1, displays a screen for inputting settings regarding the stamp card, and Accept input information. To give a specific example, the business terminal 200 sets the conditions for adding a stamp to a stamp card (for example, one stamp is given for every yen of the payment amount, one stamp is given for every yen of the payment amount, etc.). conditions for providing benefits (e.g., a benefit is offered when a number of stamps are given), and the content of the benefit (e.g., specified items provided by store A, electronic money cashback, etc.) ) and other information is accepted.

Subsequently, the payment server 10 receives information regarding stamp card settings from the business terminal 200 (step S2). For example, the payment server 10 receives the information input in step S1, associates it with identification information (store ID) for identifying the store A, and stores it in its own storage unit.

Subsequently, the user U1 who visits the store A and receives a transaction offer from the store A uses the user terminal 100 to read the store identification information C1 installed at the store A (step S3). For example, the user U1 starts a payment application installed in advance on the user terminal 100, and photographs the store identification information C1 installed at the store A via the payment application.

Subsequently, the user terminal 100 receives input of payment information from the user U1 (step S4). For example, the user terminal 100 displays a screen for inputting the price of the transaction object to be settled, and receives the input of the settlement amount from the user U1.

Subsequently, the payment server 10 receives payment information from the user terminal 100 (step S5). For example, the payment server 10 receives payment information including the store ID of the store A indicated by the store identification information C1, the payment amount input by the user U1, and the user ID of the user U1.

Subsequently, the payment server 10 executes payment processing based on the payment information, and adds a stamp to the store A stamp card owned by the user U1 based on the payment information (step S6). For example, the payment server 10 transfers electronic money equivalent to the payment amount input by the user U1 from the account of the user U1 to the account of the store A. Then, the payment server 10 applies the stamp set by the business operator M1 to the stamp card linked to the store A (the stamp card based on the settings received in step S2) among the stamp cards owned by the user U1. Stamps are given based on the granting conditions and the payment amount. That is, upon payment using a QR code, the payment server 10 automatically attaches a stamp to the stamp card associated with the store where the payment was made.

Note that, if the user U1 does not own a stamp card linked to the store A, the payment server 10 obtains a stamp card issued by the business operator M1 and attaches a stamp to the obtained stamp card. . Furthermore, if the user U1 does not own a stamp card linked to store A, the payment server 10 issues a new stamp card to the user U1, and stamps the issued stamp card. May be granted. In other words, even if the user U1 does not have a stamp card at the time of the first transaction, the payment server 10 can automatically obtain or issue a stamp card at the time of payment, and can attach a stamp to the stamp card. .

Specifically, first, the payment server 10 determines whether or not there is a stamp card of the store A that is the object of the payment from among the stamp cards owned by the user U1. Next, if there is no stamp card for store A, the payment server 10 refers to the database and determines whether store A, which is the object of the payment, provides stamp cards. That is, the payment server 10 selects not only the stamp cards owned by the user U1, but also stamp cards provided by the store A that are not owned by the user U1, and which are eligible for payment. It is possible to specify and select the stamp card of store A that has become . Then, the payment server 10 gives the specified or selected stamp card a number of stamps according to the payment details, and provides the stamp card to the user. In this way, the payment server 10 identifies and selects the stamp card of store A that is the subject of payment from among multiple stamp cards provided by various stores, and attaches a stamp to the stamp card. However, the information may be provided to the user U1.

Subsequently, the payment server 10 causes the user terminal 100 to display information corresponding to the provided stamp (step S7). For example, if the stamp provided in step S6 does not satisfy the provision conditions for providing the benefit, the payment server 10 may provide information regarding the stamp provided to the stamp card linked to store A (for example, the stamp provided to the stamp A screen SC1 indicating the number of completed stamps is displayed.

On the other hand, if the provision condition is satisfied by the stamp provided in step S6, the payment server 10 provides the benefit set by the store A to the user U1, and displays a screen SC2 on the user terminal 100 indicating that the benefit has been provided. Display. To give a specific example, the payment server 10 provides benefits (for example, a predetermined amount of discount, a predetermined amount of cashback, etc.) that are applied when the above-mentioned electronic payment is made to store A.

Subsequently, the payment server 10 notifies the user U1 of information regarding the stamp added to the stamp card owned by the user U1 (step S8). For example, if the user U1 owns a stamp card in which the number of stamps required to satisfy the offer conditions is less than or equal to a predetermined threshold, the payment server 10 may send a notification ( push notifications, etc.) are displayed on the user terminal 100.

Subsequently, the payment server 10 distributes content indicating the stamp card owned by the user U1 (step S9). For example, the payment server 10 distributes to the user terminal 100 content indicating the number of stamps given to each stamp card owned by the user U1, the details of the benefits provided, and the like.

Note that the payment server 10 may notify the information in step S8 at any timing. Further, the payment server 10 may distribute the content in step S9 at any timing.

On the other hand, if the conditions for providing the benefit are satisfied by the stamp provided in step S6, the payment server 10 calculates the charge amount, which is the stamp card fee for the business operator M1 (step S10). For example, the payment server 10 calculates an amount corresponding to the amount of benefits provided by store A as the billed amount. That is, the payment server 10 calculates the cost of the benefit provided by the store A and the amount of the benefit (prize amount) provided to the user as the billing amount. Further, the payment server 10 may calculate a predetermined percentage of the prize amount as the charge amount.

In addition, the payment server 10 accumulates the payment amount for which stamps are given for stamp cards that meet the conditions for providing benefits of store A among the stamp cards owned by the user U1, and determines a predetermined amount of the cumulative payment amount. It is also possible to calculate the ratio as the charge amount.

Subsequently, the payment server 10 transmits billing information including the calculated billing amount to the business terminal 200 (step S11). For example, in addition to the billing amount, the payment server 10 sends billing information including the cumulative billing amount, the card ID of the stamp card, the store ID, the user ID, the number of stamps, the details of the benefits, etc. to the business terminal. Send to 200.

Here, examples of information notified from the payment server 10 and content distributed from the payment server 10 will be explained using FIG. 2. FIG. 2 is a diagram showing an example of a screen of a user terminal according to the embodiment.

As shown in FIG. 2, the user terminal 100 displays a screen SC11 showing information regarding the stamp added to the stamp card owned by the user U1. For example, the user terminal 100 may display content indicating a stamp card for which the number of stamps required to satisfy the conditions for providing a benefit is equal to or less than a predetermined threshold, the content of the benefit, and information indicating the store to which the stamp card is linked. Displayed on screen SC11.

Further, the user terminal 100 displays a screen SC12 that includes content showing the stamp card owned by the user U1. For example, the user terminal 100 displays advertising information regarding stamp cards in the area AR11. Further, the user terminal 100 displays, in the area AR12, content indicating the number of stamps given to the stamp card owned by the user U1, information indicating the store linked to the stamp card, content of benefits, etc. .

As described above, the payment server 10 according to the embodiment issues a digitalized stamp card to a user, gives a stamp, and provides a benefit when conditions are met. Thereby, the payment server 10 according to the embodiment can automatically provide a stamp in response to an electronic payment without the user having to carry around a stamp card printed on a predetermined medium. That is, the payment server 10 according to the embodiment can improve convenience for users.

In addition, the payment server 10 according to the embodiment issues a digitalized stamp card to the user and gives a stamp, and if the conditions for providing the benefit are met, the payment server 10 sends an amount equivalent to the cost of the benefit to the business operator. Calculated as a fee. As a result, the payment server 10 according to the embodiment can automatically attach a stamp in response to an electronic payment without the business operator issuing a stamp card printed on a predetermined medium, and the business operator can The stamp card fee is calculated as compensation for acquiring a "fan user" who loves the transaction target, and the fee can be charged to the business operator at the time of acquiring a fan user (timing of acquiring a prize). That is, the payment server 10 according to the embodiment can improve convenience for businesses.

[2. Payment server configuration]
Next, the configuration of the payment server 10 will be explained using FIG. 3. FIG. 3 is a diagram illustrating a configuration example of a payment server according to an embodiment. As shown in FIG. 3, the payment server 10 includes a communication section 20, a storage section 30, and a control section 40.

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

(About the storage unit 30)
The storage unit 30 is realized by, for example, a semiconductor memory element such as a RAM (Random Access Memory) or a flash memory, or a storage device such as a hard disk or an optical disk. As shown in FIG. 3, the storage unit 30 includes an account database 31, a stamp card information database 32, a user information database 33, a business information database 34, and a billing information database 35.

(About account database 31)
The account database 31 stores various information regarding accounts owned by users, stores (business operators), etc. in electronic payment services. Here, an example of information stored in the account database 31 will be explained using FIG. 4. FIG. 4 is a diagram illustrating an example of an account database according to the embodiment. In the example of FIG. 4, the account database 31 has items such as "account ID", "owner information", and "account balance".

“Account ID” indicates identification information for identifying an account. "Owner information" indicates information regarding the owner of the account, and stores, for example, identification information for identifying the owner. “Account balance” indicates the balance of the account.

That is, FIG. 4 shows an example in which the information of the holder of the account identified by the account ID "AID #1" is "User #1" and the account balance is "7,800 yen."

(About the stamp card information database 32)
The stamp card information database 32 stores various information regarding stamp cards set by business operators (stores). Here, an example of information stored in the stamp card information database 32 will be explained using FIG. 5. FIG. 5 is a diagram illustrating an example of a stamp card information database according to the embodiment. In the example of FIG. 5, the stamp card information database 32 has items such as "Business ID" and "Card Information."

"Business ID" indicates identification information for identifying the business that has set the stamp card (in other words, the business that is linked to the stamp card). "Card information" indicates information regarding the stamp card that the business operator wants to set, and includes items such as "card ID," "granting conditions," "providing conditions," and "benefits details." "Card ID" indicates identification information for identifying a stamp card. The "granting conditions" indicate the conditions under which a stamp is given to the stamp card (for example, one stamp is given for every yen of the payment amount, one stamp is given for every yen of the payment amount, etc.). “Providing conditions” indicates conditions for providing a benefit (for example, a benefit is provided when how many stamps are given). “Benefit content” indicates the content of the benefit provided to users who meet the provision conditions (for example, the name of the benefit, the type of benefit, the offer price of the benefit, the cost of the benefit, and the cost rate of the benefit).

That is, in FIG. 5, the stamp card set by the business operator identified by the business ID "MID #1" is identified by the card ID "CID #1", and the stamp granting conditions are "granting conditions #1", An example is shown in which the benefit provision condition is "Provision Condition #1" and the benefit content is "Benefit Content #1."

(About user information database 33)
The user information database 33 stores various information regarding users of the electronic payment service provided by the payment server 10. Here, an example of information stored in the user information database 33 will be explained using FIG. 6. FIG. 6 is a diagram illustrating an example of a user information database according to the embodiment. In the example of FIG. 6, the user information database 33 has items such as "user ID", "payment history", "usage history", and "stamp application status".

"User ID" indicates identification information for identifying a user. "Payment history" indicates the history of payments made using electronic payment services, and stores information such as payment destination and payment amount. "Usage history" indicates the usage history of electronic payment services and other various services. The "stamp application status" indicates information regarding the stamps added to the stamp card owned by the user, and includes items such as "card ID" and "number of stamps", for example. "Card ID" indicates identification information for identifying the stamp card owned by the user. "Number of stamps" indicates the number of stamps added to the stamp card.

That is, in FIG. 6, the payment history of the user identified by the user ID "UID #1" is identified by "payment history #1", the usage history is identified by "usage history #1", and "CID #1". An example is shown in which a person owns a stamp card and the number of stamps given to the stamp card is "4".

(About business information database 34)
The business information database 34 stores various information regarding businesses of electronic payment services provided by the payment server 10. Here, an example of information stored in the business information database 34 will be explained using FIG. 7. FIG. 7 is a diagram illustrating an example of a business information database according to the embodiment. In the example of FIG. 7, the business information database 34 has items such as "business ID,""storeinformation," and "store evaluation."

“Business ID” indicates identification information for identifying the business entity that has set the stamp card. "Store information" indicates information regarding the business operator (store) in general, and stores information such as store address, presence or absence of affiliated stores, type of merchandise, store size, average sales, and the like. "Store evaluation" indicates the evaluation of the store by users, for example, the store is calculated based on posts made by users on the website and evaluations of "high rating" and "low rating". The evaluation value is stored.

That is, in FIG. 7, the store information of the business identified by business ID "MID #1" is "store information #1", the store evaluation is "store evaluation #1", and the business ID "MID #2" is An example is shown in which the store information of the business operator identified by " is "store information #2" and the store evaluation is "store evaluation #2."

(About billing information database 35)
The billing information database 35 stores information regarding billing to a business operator of an electronic payment service provided by the payment server 10. Here, an example of information stored in the billing information database 35 will be explained using FIG. 8. FIG. 8 is a diagram illustrating an example of the billing information database according to the embodiment. In the example of FIG. 8, the billing information database 35 has items such as "Business ID,""UserID,""Cumulative Settlement Amount," and "Billing Amount."

“Business ID” indicates identification information for identifying a business entity in a payment service that is subject to billing. “User ID” indicates identification information for identifying a user in a payment service to be charged. The "cumulative payment amount" stores the cumulative value of the payment amount of payment services calculated for each user. "Charge amount" stores the charge amount to the business operator calculated for each user and stamp card.

That is, in FIG. 8, the cumulative payment amount identified by the user ID "UID #1" is "cumulative settlement amount #1" and the billing information for the business operator identified by the business ID "MID #1". An example is shown in which the amount is "charged amount #1", the cumulative payment amount identified by user ID "UID #2" is "cumulative settlement amount #2", and the charged amount is "charted amount #2".

(About the control unit 40)
The control unit 40 is a controller, and for example, various programs stored in the storage device inside the payment server 10 use the RAM as a work area by a CPU (Central Processing Unit), an MPU (Micro Processing Unit), etc. This is achieved through execution. Further, the control unit 40 is a controller, and is realized by, for example, an integrated circuit such as an ASIC (Application Specific Integrated Circuit) or an FPGA (Field Programmable Gate Array). As shown in FIG. 3, the control unit 40 according to the embodiment includes a reception unit 41, a payment processing unit 42, a provision unit 43, a provision unit 44, a notification unit 45, a distribution unit 46, and a calculation unit 47. and realizes or executes the information processing functions and operations described below.

(About the reception department 41)
The reception unit 41 receives information regarding stamps attached to electronic stamp cards linked to stores where users make payments. For example, the reception unit 41 accepts conditions for providing a predetermined benefit regarding store A to user U1. Further, the reception unit 41 receives payment information regarding payment to a store. For example, the accepting unit 41 accepts the payment amount indicated by the payment information. Further, the receiving unit 41 receives payment information regarding a payment to a store using a user terminal used by a user. At this time, the receiving unit 41 may receive payment information regarding payments using cash and payment information regarding payments via Internet shopping, in addition to payment information regarding payments using the user terminal. Further, the reception unit 41 receives payment information including store identification information that identifies the store. For example, in the example of FIG. 1, the reception unit 41 uses payment information that includes the store ID of store A indicated by store identification information C1, the payment amount input by user U1, and the user ID of user U1. from the user terminal 100.

Note that the reception unit 41 may receive payment information from the business terminal 200. For example, if a payment is made by the business terminal 200 (store terminal) reading user identification information for identifying the user displayed on the user terminal 100, the reception unit 41 payment information indicating the amount is received from the business terminal 200.

The reception unit 41 also accepts payments related to requests for the provision of transaction objects provided at a predetermined store and made by a user via a predetermined platform that provides a predetermined payment method using a user terminal. Information may be accepted. For example, the receiving unit 41 receives payment information regarding a request for providing a product to be provided at a store via a pre-order service within a payment application installed on the user terminal 100.

Further, the receiving unit 41 may receive settings related to the electronic stamp card from a provider (business operator) that provides the transaction object to the user. For example, in the example of FIG. 1, the reception unit 41 causes the business terminal 200 to display a screen (content) for inputting settings related to stamp cards, receives information input on the screen, and sends the stamp card information database 32 Store in. At this time, the reception unit 41 receives information regarding the price of the benefit indicated by the content of the benefit as the stamp card information. Here, the information regarding the price of the benefit is, for example, information such as the cost price, cost rate, and amount of money provided for the benefit, but is not particularly limited.

Here, using FIG. 9, an example in which a settings screen for inputting settings related to a stamp card is displayed on the operator terminal 200, and a stamp card based on the settings input on the screen are displayed on the user terminal 100. An example of what is displayed will be explained. FIG. 9 is a diagram illustrating an example of screens of a business terminal and a user terminal according to the embodiment. In addition, in FIG. 9, it is assumed that the business operator of store D inputs information on the setting screen.

First, a setting screen for inputting settings regarding stamp cards will be explained. As shown in FIG. 9, the business terminal 200 displays a screen SC21 as a setting screen. For example, the business terminal 200 has areas AR21-AR23 for inputting conditions for adding a stamp to a stamp card, an area AR24 for inputting conditions for providing a benefit and contents of the benefit, and an area AR24 for inputting conditions for providing a stamp and details of the benefit. A screen SC21 is displayed that includes an area AR25 for instructing input of conditions and content of benefits, and an area AR26 that is displayed in response to selection of area AR25.

To give a specific example, the business terminal 200 selects, as the granting condition, either to grant one stamp for every yen or more of the payment amount, or to grant one stamp for every yen of the payment amount. Then, an area AR21 is displayed for inputting the amount of money that is the basis for giving a stamp.

In addition, the business terminal 200 may provide a stamp only to users (followers) who follow the store D in a service related to information distribution of the store D, which is a service provided in an application launched within the payment application. Displays an area AR22 for specifying whether or not. Note that the business terminal 200 may accept settings such that more stamps are given only to followers.

Further, the business terminal 200 displays an area AR23 for inputting the conditions of the user to whom a stamp is to be given (user's rank in the electronic payment service). For example, the business terminal 200 can collect information such as the total amount of electronic payments made to store D, the number of times electronic payments have been made to store D, and the number of stamps attached to stamp cards linked to store D. accepts the input of the user's rank determined based on the user's rank (for example, a heavy user whose number of stamps given is more than a predetermined threshold, or a light user whose number of stamps given is less than a predetermined threshold) . Note that the operator terminal 200 may be set so that more stamps are given only to users who are ranked as heavy users, or more stamps are given only to users who are ranked as light users. It is also possible to accept settings such as

In addition, the operator terminal 200 inputs the number of stamps (achieved number of stamps), benefit type (for example, goods provided at store D, cashback of a predetermined amount), and benefit name, which are the conditions for providing the benefit. Display area AR24 for Furthermore, when an item is specified as a benefit type, the business terminal 200 accepts input of the selling price conversion amount of the item, and when cashback is specified as a benefit type, the business terminal 200 receives cash for the payment amount to store D. Accepts input of back rate or cash back amount (fixed amount). Furthermore, when an item is specified as a benefit type, the business terminal 200 may accept input of the cost price, cost rate, and amount of money provided for the item.

Further, when the area AR25 is selected, the business terminal 200 further displays an area AR26 for inputting new provision conditions and content of benefits, and accepts input of information. That is, the business terminal 200 can accept settings for a plurality of benefits for one stamp card. Hereinafter, the benefit based on the information input to the area AR24 may be referred to as a "first benefit", and the benefit based on the information input to the area AR26 may be referred to as a "second benefit".

Note that the settings regarding the stamp card accepted by the reception unit 41 are not limited to those shown on the screen SC21, and any settings may be accepted. For example, the reception unit 41 may accept settings such that more payments are made depending on the date and time when electronic payment is made. Further, the reception unit 41 may accept the validity period of the stamp.

Further, the reception unit 41 may accept the purchase of a predetermined transaction object provided at a store as a stamp granting condition. In such a case, the reception unit 41 first receives information indicating the transaction object to which a stamp is to be applied (for example, transaction object identification information indicated by a barcode attached to the transaction object) as a stamp provision condition, It is stored in the stamp card information database 32. Then, the reception unit 41 receives payment information including transaction object identification information that identifies the transaction object that is the object of payment. To give a specific example, the reception unit 41 receives a product ID indicated by a barcode attached to a product. Then, the attaching unit 43, which will be described later, attaches a stamp when the product indicated by the product ID is a product set as a condition for attaching a stamp.

Note that the reception unit 41 may accept payment information including transaction object identification information read by a store terminal used by the store. For example, when a payment is made by a store terminal (such as a POS terminal) reading the user identification information displayed on the user terminal 100, the reception unit 41 accepts the information that the store terminal reads with a barcode reader or the like. Payment information including user identification information and a product ID indicated by a barcode of the product is accepted.

Next, an example in which information regarding a stamp card based on information input on screen SC21 is displayed on user terminal 100 will be described. As shown in FIG. 9, the user terminal 100 determines the stamp card associated with the store D in response to a predetermined operation from the user (for example, a selection operation for content displayed on the AR 12 shown in FIG. 2). A screen SC22 showing information is displayed. For example, the user terminal 100 has an area AR27 that displays an electronic stamp card, an area AR28 that displays the conditions for providing the first benefit and the details of the first benefit, and the conditions and conditions for providing the second benefit. A screen SC22 is displayed that includes an area AR29 that displays the details of the second benefit and an area AR30 that displays stamp grant conditions.

To give a specific example, in the area AR27, the user terminal 100 displays an icon IC21 for visualizing the first benefit provision condition (3 stamps) and a second benefit provision condition (8 stamps). icon IC22 for visualizing the stamp card.

Further, the user terminal 100 displays information based on the information input in the area AR24 of the screen SC21 in the area AR28. Further, the user terminal 100 displays information based on the information input in the area AR26 of the screen SC21 in the area AR29. Further, the user terminal 100 displays information based on the information input in the areas AR21-AR23 of the screen SC21 in the area AR30.

In addition, when eight stamps are attached to the stamp card shown in area AR27 (hereinafter sometimes referred to as "first stamp card") (that is, when all the stamp fields of the stamp card are filled), The reception unit 41 may issue a new stamp card (hereinafter sometimes referred to as a "second stamp card") linked to the store D to the user. Here, the contents of the benefits provided by the second stamp card and the conditions for providing the benefits may be the same as those of the first stamp card, or may be different (for example, items of higher value than the benefits provided by the first stamp card). or a benefit with a higher amount of cash back). In other words, the reception unit 41 receives information regarding the settings of the second stamp card from the business operator in addition to information regarding the settings of the first stamp card, and issues the second stamp card based on the received information. It's okay. The same applies to stamp cards issued after the second stamp card.

Further, the giving unit 43, which will be described later, may give a stamp according to the user's rank, which is determined based on the number of times a stamp card linked to the store D has been newly issued. To give a specific example, the attaching unit 43 causes the number of stamps to be greater when attaching stamps to the second stamp card than when attaching stamps to the first stamp card. Good too.

On the other hand, the reception unit 41 receives user information regarding a user who makes a payment. For example, the accepting unit 41 accepts the payment amount indicated by the payment history included in the user information. Note that the reception unit 41 stores the received user information in the user information database 33.

Further, the reception unit 41 may receive business information from the business terminal 200. For example, the reception unit 41 receives business information including store information and store evaluation of store A of business operator M1. Note that the reception unit 41 stores the received business information in the business information database 34.

(About the payment processing unit 42)
The payment processing unit 42 executes payment processing according to the payment information received by the reception unit 41. For example, in the example of FIG. 1, the payment processing unit 42 transfers the amount of electronic money indicated by the payment amount from the account of the user U1 indicated by the user ID to the account of the store A indicated by the store ID.

(About the giving part 43)
The attaching unit 43 attaches a stamp to the electronic stamp card linked to the store based on the payment information accepted by the accepting unit 41. For example, in the example of FIG. 1, the assigning unit 43 refers to the stamp card information database 32 and the user information database 33, and assigns the stamp card linked to the store A among the stamp cards owned by the user U1. , the stamp is given based on the stamp giving conditions set by the business operator M1 and the payment amount.

Here, the stamp cards to which the stamps are attached by the attaching unit 43 include stamp cards that are automatically issued or automatically acquired and have stamps attached thereto, even if the user does not own the stamps when the user visits the store A for the first time. In addition, the above-mentioned stamp cards can be used not only for stamp cards that the user has already acquired, but also for stamp cards that can be provided to the user (i.e., stamp cards that the user may acquire in the future). It also includes stamp cards that have been identified as stamp cards and have been given a stamp.

That is, if the user does not own a stamp card, the giving unit 43 may issue a stamp card and give a stamp to the user. For example, in the example of FIG. 1, if user U1 does not own a stamp card linked to store A, the granting unit 43 issues a new stamp card to user U1 and stamps the issued stamp card. Add a stamp to the card. Further, if the user does not own a stamp card, the giving unit 43 can also obtain a stamp card created by the business operator M1 and give a stamp to the stamp card.

Further, the giving unit 43 may give a stamp to a stamp card that is linked to the store identification information among the stamp cards owned by the user. For example, in the example shown in FIG. 1, the attaching unit 43 attaches a stamp to the stamp card linked to the store A indicated by the store identification information C1.

Further, the giving unit 43 may give a stamp to a stamp card that is linked to a predetermined group of stores including a store, among the stamp cards owned by the user. For example, when a user makes a payment at one of a plurality of stores having a predetermined relationship (for example, an affiliated store, a chain store, a franchise store, etc.), the granting unit 43 A stamp is attached to the first stamp card that is linked to the stamp card.

Further, the giving unit 43 may give a stamp according to the payment amount indicated by the payment information. For example, in the example of FIG. 1, the giving unit 43 gives a stamp based on the stamp giving conditions set by the business operator M1 and the payment amount.

Further, the giving unit 43 may give a stamp according to the total amount of the payment amount indicated by the history of payments made to the store using the user terminal and the payment amount indicated by the payment information. For example, the assigning unit 43 assigns a stamp according to the payment amount indicated by the payment information received by the receiving unit 41 and the payment amount indicated by the user's payment history for the store that is the payment destination indicated by the payment information. To give a specific example, a store's stamp granting condition is set as "one stamp will be given for every 1,000 yen payment amount," and the user's previous payment amount for the store was 800 yen, If the payment amount newly accepted by the reception unit 41 from a person to the store is 1,200 yen, the granting unit 43 receives the payment based on the total amount of 2,000 yen, which is the previous payment amount of 800 yen and the current payment amount of 1,200 yen. Gives two stamps to the user.

Moreover, the attaching unit 43 may attach a stamp to the stamp card when the transaction object identification information indicates a predetermined transaction object. For example, if purchasing a predetermined product is set as a stamp granting condition, the assigning unit 43 assigns a stamp when the product ID indicated by the payment information received by the receiving unit 41 corresponds to the predetermined product. .

Further, the giving unit 43 may give a stamp depending on the date and time when the payment is made. For example, when payment is made on a predetermined date and time set by the business operator, the giving unit 43 gives more stamps than when payment is made on other dates and times.

Further, the giving unit 43 may give a stamp based on the payment information and user information regarding the user. For example, the assigning unit 43 may rank the user, which is determined based on the history of the user's payments to the store as the payment destination (for example, the total amount of payments made to the store or the number of electronic payments made to the store). Stamps will be given accordingly.

Further, the granting unit 43 follows stores on a predetermined platform that provides a predetermined payment method using a user terminal and distributes information regarding stores where the predetermined payment method can be used. A stamp may be given depending on whether the person is present or not. For example, the attaching unit 43 attaches a stamp depending on whether or not the user follows the store to which the payment is made in a service related to distributing store information, which is a service provided in an application launched within the payment app. .

Furthermore, the giving unit 43 may give stamps to the stamp card according to the number of stamps that have already been given. For example, the giving unit 43 gives stamps according to the rank of the user, which is determined based on the number of stamps given to the stamp card linked to the store.

Further, the giving unit 43 may give a stamp according to conditions set by the store. For example, the giving unit 43 gives a stamp according to the settings regarding the stamp card that the accepting unit 41 receives from the store.

(About the providing section 44)
The providing unit 44 provides information indicating the stamp given by the giving unit 43 to the user. For example, in the example of FIG. 1, the providing unit 44 provides the user terminal 100 with information regarding the stamp given to the stamp card linked to the store A, and causes the information to be displayed on the screen.

Further, the providing unit 44 may provide the user with a predetermined benefit regarding the store if the number of stamps given by the giving unit 43 satisfies a predetermined condition. For example, in the example of FIG. 1, with reference to the stamp card information database 32 and the user information database 33, if the provision condition is satisfied by the stamp given to the user U1, the provision unit 44 sends the store A to the user U1. provides the privilege set by the user, and causes the user terminal 100 to display a screen SC2 indicating that the privilege has been provided. On the other hand, if the provision conditions for providing the benefit are not met, the payment server 10 indicates information regarding the stamps given to the stamp card linked to store A (for example, the number of stamps already given to the stamp). Display screen SC1.

Further, the providing unit 44 may provide a benefit depending on the number of stamps that have been added to the stamp card. For example, as shown in FIG. 9, when a plurality of benefits are set for one stamp card, the providing unit 44 determines whether the number of stamps already attached to the stamp card satisfies the provision conditions for any of the benefits. Provide corresponding benefits.

Further, the providing unit 44 may provide a predetermined benefit to the user when the number of stamps given to the stamp card satisfies conditions set by the store. For example, in the example of FIG. provides a benefit to user U1.

Further, the providing unit 44 may provide the user with a benefit set by the store if the number of stamps added to the stamp card satisfies a predetermined condition. For example, in the example of FIG. 1, if the number of stamps attached to the stamp card linked to store A satisfies the benefit provision condition, the providing unit 44 provides the benefit set by business operator M1 of store A. Provided to user U1.

(About the notification section 45)
The notification unit 45 notifies the user of information that the predetermined condition is almost achieved when the number of stamps required to satisfy the predetermined condition is less than or equal to a predetermined threshold. For example, in the example of FIG. 1, the providing unit 44 refers to the stamp card information database 32 and the user information database 33, and selects stamp cards whose number of stamps required to satisfy the benefit provision condition is equal to or less than a predetermined threshold. If the user U1 owns the item, the providing unit 44 causes the user terminal 100 to display a notification that the provision condition is almost fulfilled.

Further, the notification unit 45 may notify the user of information corresponding to the expiration date set for the stamp already attached to the stamp card. For example, the notification unit 45 notifies the user of information according to the period until the expiration date set on the stamp. To give a specific example, if the user owns a stamp card whose period from the current moment to the expiration date of the stamp is less than or equal to a predetermined threshold, the providing unit 44 notifies the user of information indicating the stamp card. .

Further, the notification unit 45 may notify the user of information indicating conditions for adding a stamp to a stamp card. For example, the notification unit 45 notifies information indicating the payment amount, transaction object, etc. set as stamp granting conditions.

Note that the notification unit 45 may notify the user of information based on the priority of the information. For example, the notification unit 45 may set a higher priority for information regarding stamp cards associated with stores located closer to the user's current location, and may set higher priority for information regarding stamp cards associated with stores located closer to the user's current location. The information related to the stamp card linked to the stamp card is given a lower priority and the information is notified. In addition, the notification unit 45 sets a higher priority for information regarding a stamp card with a shorter expiration date set on the stamp, and a higher priority for information regarding a stamp card with a longer expiration date set on the stamp. Set low and notify information.

(About the distribution section 46)
The distribution unit 46 transmits card information regarding an electronic stamp card owned by the user and linked to a store where a predetermined payment method using a user terminal can be used, using a predetermined payment method. Deliver to users via the specified platform provided. For example, in the example of FIG. 1, the distribution unit 46 sends content indicating the number of stamps attached to each stamp card owned by the user U1, the details of the benefits provided, etc. to the user via the payment application. It is distributed to the terminal 100.

Further, the distribution unit 46 may distribute the card information based on the priority level for distributing the card information, which is based on the number of stamps already attached to the stamp card owned by the user. For example, the distribution unit 46 sets a higher priority to a stamp card with a larger number of attached stamps, and sets a lower priority to a stamp card with a smaller number of attached stamps, and distributes card information. Further, the distribution unit 46 sets a higher priority for a stamp card with fewer stamps required to satisfy the conditions for providing a benefit, and a higher priority for a stamp card with a larger number of stamps required for satisfying the conditions for providing a benefit. set high and distribute card information.

Further, the distribution unit 46 may distribute the card information based on the priority for distributing the card information, which is based on the expiration date set to the stamp already attached to the stamp card owned by the user. good. For example, the distribution unit 46 sets a higher priority for a stamp card with an earlier stamp expiration date, and sets a lower priority for a stamp card with a later expiration date, and distributes card information. Further, for example, the distribution unit 46 sets a higher priority for a stamp card with a shorter remaining period from the current time to the expiration date set on the stamp, and sets a lower priority for a stamp card with a longer remaining period, Distribute card information.

The distribution unit 46 also distributes the card information based on the priority based on the positional relationship between the location of the store linked to the stamp card owned by the user and the location of the user. Card information may also be distributed. For example, the distribution unit 46 may set a stamp card associated with a store located closer to the user's current location to have a higher priority, and set a stamp card associated with a store located farther from the user's current location to have a higher priority. The more stamp cards are attached, the lower the priority is set and card information is distributed. In addition, the distribution unit 46 sets a higher priority for stamp cards associated with stores located closer to the user's base (for example, home, work, or commute), and Stamp cards linked to stores located further away from the store are given lower priority and card information is distributed.

Note that the priority with which the distribution unit 46 distributes card information is not limited to the above example. For example, the distribution unit 46 may distribute card information with priority based on user preferences. To give a specific example, the distribution unit 46 sets a higher priority for a stamp card that is associated with a store that corresponds to the user's attributes (demographic attributes, psychographic attributes). Stamp cards linked to incompatible stores are given a lower priority and card information is distributed.

(About the calculation unit 47)
If the number of stamps given by the giving unit 43 satisfies a predetermined condition, the calculation unit 47 calculates the amount charged to the store based on the content of the benefit. For example, the calculation unit 47 calculates the charge amount based on information regarding the price of the benefit. To give a specific example, the calculation unit 47 calculates the cost of the benefit as the charge amount. That is, for example, when the benefit is an item, the calculation unit 47 calculates an amount corresponding to the cost of the item as the charge amount (fee). Further, the calculation unit 47 calculates the offer price of the benefit as the charge amount. That is, for example, when the benefit is a cashback or a discount coupon, the calculation unit 47 calculates the price of the provided benefit as the charge amount. Further, the calculation unit 47 calculates an amount obtained by multiplying the offer price of the benefit by a predetermined ratio as the charge amount. That is, for example, when the benefit is an item and the cost price is unknown, the calculation unit 47 calculates the amount obtained by multiplying the offered price by the general cost rate of the item as the charge amount (fee).

Further, the calculation unit 47 calculates the charge amount when the number of stamps given by the giving unit 43 satisfies a predetermined condition and a predetermined benefit regarding the store is provided. That is, the calculation unit 47 calculates the charge amount corresponding to the fee at the timing when the user acquires the prize, and charges the store. Here, the timing of acquiring a prize may be the timing when the user actually acquires the prize (for example, the timing when the user receives a bonus croissant at a bakery store), or the timing when the user is given the right to acquire the prize. It may also be the timing (for example, the timing when you receive a special croissant voucher at a bakery store).

Further, if the number of stamps given by the giving unit 43 satisfies a predetermined condition and a user who has been provided with a predetermined benefit regarding the store uses the benefit, the calculation unit 47 calculates the charge amount. good. In other words, the calculation unit 47 calculates the calculation at the timing when the user uses the prize (for example, when the user shops using the discount coupon), not at the time when the user acquires the prize (for example, when the user receives the discount coupon). , it is also possible to calculate the charge amount.

Further, the calculation unit 47 can also calculate the charge amount according to the user's payment amount, as described below. That is, when the number of stamps given by the giving part 43 satisfies a predetermined condition, the calculation part 47 calculates the amount charged to the store based on the user's payment history included in the user information. For example, the calculation unit 47 accumulates the payment amount indicated by the payment history and for which the user's stamp is attached to the store in a predetermined period, and calculates a predetermined ratio to the cumulative payment amount. Calculate the charge amount by multiplying. To give a specific example, the store's stamp granting condition is "one stamp will be given for every 1,000 yen payment amount," the bonus acquisition condition is "5 stamps," and the user's payment amount is, "1st time: 500 yen, 2nd time: 1000 yen, 3rd time: 1500 yen, 4th time: 1500 yen, 5th time: 1000 yen, 6th time: 1000 yen", and the predetermined ratio is uniformly "3 %", the calculation unit 47 calculates "6,000 yen", which is the cumulative sum of the payment amounts of 1,000 yen or more given until the award is acquired, as the cumulative payment amount, and adds 0.03 to the cumulative payment amount of 6,000 yen. The charge amount is calculated as ``180 yen'' multiplied by .

Further, the calculation unit 47 calculates the charge amount each time the group of stamps (stamp group) provided satisfies the conditions set for each benefit provided to the user U1. For example, the calculation unit 47 totals the payment amount corresponding to the stamp group to which a predetermined benefit regarding the store is provided, and calculates the charge amount each time the conditions set for each benefit to be provided are satisfied. To give a specific example, in the example of the screen SC22 in FIG. 9, when the first benefit provision condition (three stamps) is satisfied, the calculation unit 47 totals the payment amount corresponding to the three stamps, The charge amount is calculated, and if the provision condition for the second benefit (eight stamps) is satisfied, the payment amount corresponding to the additional five stamps is accumulated, and the charge amount is calculated each time.

Further, the calculation unit 47 determines a predetermined ratio for each predetermined period and calculates the charge amount. For example, in the example of screen SC22 in FIG. 9, the calculation unit 47 calculates the charge amount by multiplying the cumulative payment amount corresponding to the first benefit provision condition (3 stamps) by "3%", and then The charge amount is calculated by multiplying the cumulative payment amount corresponding to the provision condition of the benefit (5 additional stamps) by "2%". Furthermore, the calculation unit 47 can also determine a predetermined ratio for each campaign period, such as a stamp grant period or a stamp validity period, and calculate the charge amount.

Further, the calculation unit 47 determines a predetermined ratio based on business information regarding the business that provides the transaction object to the user, and calculates the billing amount. For example, the calculation unit 47 refers to the business information database 34 and calculates "store information" (e.g., store address, presence or absence of affiliated stores, type of merchandise, store size, average sales), "store evaluation" ( For example, a predetermined ratio to be multiplied by the cumulative payment amount is determined according to the user's evaluation value on the website, and the charge amount is calculated. To give a specific example, the calculation unit 47 can set a low ratio for calculating the billing amount for businesses with small stores or businesses whose stores have high evaluation values by users.

Further, the calculation unit 47 determines a predetermined ratio based on the user information and calculates the charge amount. For example, the calculation unit 47 refers to the user information database 33 and calculates the cumulative total according to "payment history" (e.g., payment destination, payment amount) and "usage history" (e.g., usage history of electronic payment service). A predetermined ratio to be multiplied by the payment amount is determined, and the charge amount is calculated. To give a specific example, the calculation unit 47 calculates the ratio for calculating the charge amount corresponding to the payment of a user who has made a large total payment amount to a store in the past or a user who has used an electronic payment service many times. can be set low.

Note that the calculation unit 47 stores the calculated cumulative payment amount and billing amount in the charging information database 35. Further, the calculation unit 47 may transmit billing information including the calculated cumulative payment amount and billing amount to the business terminal 200 of the linked business operator M1.

[3. Provision process flow]
The procedure of the provision processing of the payment server 10 according to the embodiment will be explained using FIG. 10. FIG. 10 is a flowchart illustrating an example of the procedure of the provision process according to the embodiment.

As shown in FIG. 10, the payment server 10 receives payment information regarding a payment to a store using a user terminal used by a user (step S101). Subsequently, the payment server 10 determines whether or not to apply a stamp based on the stamp application conditions set by the store and the payment information (step S102). If it is determined that a stamp is not to be added (step S102; No), the payment server 10 executes a payment process based on the payment information, and ends the process.

On the other hand, if it is determined that a stamp is to be added (step S102; Yes), the payment server 10 determines whether a stamp card linked to the store has been issued to the user. If it is determined that the stamp card has been issued (step S103; Yes), the payment server 10 executes payment processing based on the payment information and adds a stamp to the stamp card (step S104). If it is determined that the stamp card has not been issued (step S103; No), the payment server 10 executes payment processing based on the payment information, issues a stamp card to the user, and attaches a stamp to the issued stamp card. (Step S105).

Subsequently, the payment server 10 determines whether the number of stamps given to the stamp card satisfies a predetermined condition for providing a benefit (step S106). If it is determined that the predetermined condition is not satisfied (step S106; No), the payment server 10 ends the process. On the other hand, if it is determined that the predetermined condition is satisfied (step S106; Yes), the payment server 10 provides the user with a predetermined benefit regarding the store (step S107).

Finally, the payment server 10 calculates the amount charged to the business operator from the content of the benefit (cost of the benefit, offer price, etc.), and ends the process (step S108). At this time, the payment server 10 may generate billing information including the billing amount and transmit it to the business terminal 200.

[4. Modified example]
The embodiments described above are merely examples, and various modifications and applications are possible.

[4-1. Regarding payment methods]
In the above-described embodiment, an example was shown in which the giving unit 43 gives a stamp based on payment information regarding a payment realized by the user terminal 100 reading a QR code installed at a physical store. The functionality of is not limited to this example. For example, the giving unit 43 may give a stamp based on payment information regarding a payment realized by the store terminal reading the user identification information displayed on the user terminal 100.

Further, the giving unit 43 may give a stamp based on payment information regarding payment to a store in the pre-order service. For example, the attaching unit 43 attaches a stamp based on payment information regarding a payment in a pre-order service provided in an application activated within a payment application.

Furthermore, the attaching unit 43 may attach a stamp based on payment information related to not only payment to a physical store but also payment to a transaction object in an electronic commerce service (ie, online payment). For example, the assigning unit 43 assigns a stamp based on payment information regarding a payment in an electronic commerce service provided in an application activated within a payment application.

[4-2. Regarding the source of benefits〕
The funds for the benefits provided by the above-mentioned providing unit 44 may be provided by the store or may be provided by the administrator of the payment server 10. For example, the providing unit 44 first provides a benefit in which the store pays all of the funds, and depending on the use of electronic payment at the store, the administrator of the payment server 10 pays at least a portion of the funds. You may also offer benefits at your expense.

[4-3. Regarding the configuration of the provision processing system 1]
In the above-described embodiment, an example was given in which the payment server 10 included in the provision processing system 1 receives settings regarding stamp cards from stores and manages information regarding stamp cards owned by users. The configuration is not limited to this example. For example, a server that receives settings regarding stamp cards from a store and a server that manages information regarding stamp cards owned by users may be different servers, or may belong to different systems.

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

Further, each component of each device shown in the drawings is functionally conceptual, and does not necessarily need to be physically configured as shown in the drawings. In other words, the specific form of distributing and integrating each device is not limited to what is shown in the diagram, and all or part of the devices can be functionally or physically distributed or integrated in arbitrary units depending on various loads and usage conditions. Can be integrated and configured.

Furthermore, the embodiments described above can be combined as appropriate within a range that does not conflict with the processing contents.

[5. effect〕
As described above, the payment server 10 according to the embodiment includes the reception section 41, the payment processing section 42, the provision section 43, the provision section 44, the notification section 45, the distribution section 46, and the calculation section 47. has.

The reception unit 41 receives information regarding a stamp to be attached to an electronic stamp card linked to a store where a user makes a payment, and conditions for providing a predetermined benefit regarding the store to the user. The receiving unit 41 receives payment information regarding a payment to a store and the details of a predetermined benefit provided to a user who makes the payment. Further, the reception unit 41 receives the payment amount indicated by the payment information and information regarding the price of the benefit indicated by the content of the benefit. The payment processing unit 42 executes payment processing according to the payment information received by the reception unit 41. The attaching unit 43 attaches a stamp to the electronic stamp card linked to the store based on the payment information. Further, the giving unit 43 gives a stamp according to the payment amount indicated by the payment information. The calculation unit 47 calculates the amount charged to the store if the stamp given to the stamp card satisfies the conditions. Further, if the number of stamps given by the giving unit 43 satisfies a predetermined condition, the calculating unit 47 calculates the amount charged to the store based on the content of the benefit. Further, the calculation unit 47 calculates the charge amount based on the payment amount indicated by the payment information.

As a result, the payment server 10 according to the embodiment can automatically provide a stamp in response to an electronic payment without the business operator issuing a stamp card printed on a predetermined medium, and can also Since the compensation for acquiring fan users can be charged to the business operator at the time of acquiring fan users, convenience for users and business operators can be improved.

Further, the calculation unit 47 calculates the cost of the benefit as the charge amount. Further, the calculation unit 47 calculates the offer price of the benefit as the charge amount. Further, the calculation unit 47 calculates an amount obtained by multiplying the offer price of the benefit by a predetermined ratio as the charge amount. Further, the calculation unit 47 calculates the charge amount when the number of stamps given by the giving unit 43 satisfies a predetermined condition and a predetermined benefit regarding the store is provided. Further, the calculation unit 47 calculates the charge amount when the number of stamps given by the giving unit 43 satisfies a predetermined condition and a user who was provided with a predetermined benefit regarding the store uses the benefit. Further, the calculation unit 47 calculates the charge amount each time the group of stamps provided satisfies the conditions set for each benefit provided to the user.

As a result, the payment server 10 according to the embodiment can flexibly change the charging amount and timing of charging depending on the type of prize, etc., and therefore can further improve convenience for users and business operators. .

Further, the receiving unit 41 receives payment information regarding a payment to a store using a user terminal used by a user. Further, the reception unit 41 receives payment information including store identification information that identifies the store. The attaching unit 43 attaches a stamp to a stamp card linked to the store identification information among the stamp cards owned by the user. Further, the assigning unit 43 assigns a stamp to a stamp card that is linked to a predetermined group of stores including a store, among the stamp cards owned by the user. The providing unit 44 provides information indicating the stamp given by the giving unit 43 to the user. Furthermore, when the number of stamps given by the giving unit 43 satisfies a predetermined condition, the providing unit 44 provides the user with a predetermined benefit regarding the store. The notification unit 45 notifies the user of information that the predetermined condition is almost achieved when the number of stamps required to satisfy the predetermined condition is less than or equal to a predetermined threshold. The distribution unit 46 transmits card information regarding an electronic stamp card owned by the user and linked to a store where a predetermined payment method using a user terminal can be used, using a predetermined payment method. Deliver to users via the specified platform provided.

As a result, the payment server 10 according to the embodiment can automatically add a stamp in response to an electronic payment without the user having to carry around a stamp card printed on a predetermined medium. can improve sex.

Further, in the payment server 10 according to the embodiment, for example, if the user does not own a stamp card, the giving unit 43 issues a stamp card and gives a stamp to the user. Further, the giving unit 43 gives a stamp according to the total amount of the payment amount indicated by the history of payments made to the store using the user terminal and the payment amount indicated by the payment information. Further, the giving unit 43 gives a stamp depending on the date and time when the payment is made. Further, the giving unit 43 gives a stamp based on the payment information and user information regarding the user. Further, the granting unit 43 follows stores on a predetermined platform that provides a predetermined payment method using a user terminal and distributes information regarding stores where the predetermined payment method can be used. A stamp will be given depending on whether the person is present or not. Furthermore, the giving unit 43 gives stamps to the stamp card according to the number of stamps that have already been given. Further, the giving unit 43 gives stamps according to conditions set by the store.

As a result, the payment server 10 according to the embodiment can flexibly apply stamps according to the details of the user's payment, information about the user, conditions set by the store, etc., and therefore provides stamp cards. The convenience of stores can be improved.

Further, in the payment server 10 according to the embodiment, for example, the reception unit 41 receives payment information including transaction object identification information that identifies a transaction object that is a payment object. Then, when the transaction object identification information indicates a predetermined transaction object, the attaching unit 43 attaches a stamp to the stamp card. Further, the reception unit 41 receives payment information including transaction object identification information read by a store terminal used by the store.

Thereby, the payment server 10 according to the embodiment can provide a stamp even when a user purchases a predetermined product, thereby improving the convenience of stores that provide stamp cards.

Further, in the payment server 10 according to the embodiment, for example, the providing unit 44 provides a benefit depending on the number of stamps that have been added to the stamp card. Further, the providing unit 44 provides a predetermined benefit to the user when the number of stamps given to the stamp card satisfies conditions set by the store. Furthermore, when the number of stamps given to the stamp card satisfies a predetermined condition, the providing unit 44 provides the user with a benefit set by the store.

Thereby, the payment server 10 according to the embodiment can provide the user with benefits according to the stamp and benefits based on the conditions set by the store, thereby improving the convenience of stores that provide stamp cards. be able to.

Further, in the payment server 10 according to the embodiment, for example, the notification unit 45 notifies the user of information corresponding to the expiration date set for the stamp already attached to the stamp card. Further, the notification unit 45 notifies the user of information indicating conditions for adding a stamp to the stamp card.

Thereby, the payment server 10 according to the embodiment can remind the user to use the stamp card, thereby increasing the incentive effect of the stamp card to visit the store.

Further, in the payment server 10 according to the embodiment, for example, the distribution unit 46 distributes the card information based on the priority based on the number of stamps already attached to the stamp card owned by the user. Distribute card information. Further, the distribution unit 46 distributes the card information based on the priority for distributing the card information, which is based on the expiration date set to the stamp already attached to the stamp card owned by the user. The distribution unit 46 also distributes the card information based on the priority based on the positional relationship between the location of the store linked to the stamp card owned by the user and the location of the user. Distribute card information.

Thereby, the payment server 10 according to the embodiment can preferentially distribute useful card information, thereby improving convenience for users.

[6. Hardware configuration]
Further, the payment server 10 according to each of the embodiments described above is realized by, for example, a computer 1000 having a configuration as shown in FIG. 11. The payment server 10 will be described below as an example. FIG. 11 is a hardware configuration diagram showing an example of a computer that implements the functions of a payment server. Computer 1000 has CPU 1100, RAM 1200, ROM 1300, HDD 1400, communication interface (I/F) 1500, input/output interface (I/F) 1600, and media interface (I/F) 1700.

CPU 1100 operates based on a program stored in ROM 1300 or HDD 1400, and controls each part. The ROM 1300 stores a boot program executed by the CPU 1100 when the computer 1000 is started, programs depending on the hardware of the computer 1000, and the like.

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

The CPU 1100 controls output devices such as a display and a printer, and input devices such as a keyboard and mouse via an input/output interface 1600. CPU 1100 obtains data from an input device via input/output interface 1600. Further, CPU 1100 outputs the generated data to an output device via input/output interface 1600.

Media interface 1700 reads programs or data stored in recording medium 1800 and provides them to CPU 1100 via RAM 1200. CPU 1100 loads this program from recording medium 1800 onto RAM 1200 via media interface 1700, and executes the loaded program. The recording medium 1800 is, for example, an optical recording medium such as a DVD (Digital Versatile Disc) or a PD (Phase change rewritable disk), a magneto-optical recording medium such as an MO (Magneto-Optical disk), a tape medium, a magnetic recording medium, or a semiconductor memory. etc.

For example, when the computer 1000 functions as the payment server 10, the CPU 1100 of the computer 1000 realizes the functions of the control unit 40 by executing a program loaded onto the RAM 1200. Further, each data in the storage device of the payment server 10 is stored in the HDD 1400. The CPU 1100 of the computer 1000 reads these programs from the recording medium 1800 and executes them, but as another example, these programs may be acquired from another device via a predetermined communication network.

[7. others〕
Some of the embodiments of the present application have been described above in detail based on the drawings, but these are merely examples, and various modifications and variations may be made based on the knowledge of those skilled in the art, including the embodiments described in the disclosure section of the invention. It is possible to carry out the invention in other forms with modifications.

Furthermore, the configuration of the above-described payment server 10 can be changed flexibly, such as implementing some functions by calling an external platform or the like using an API (Application Programming Interface), network computing, or the like.

Further, the "unit" described in the claims can be read as "means", "circuit", etc. For example, the reception unit can be read as reception means or reception circuit.

1 Provision processing system 10 Payment server 20 Communication unit 30 Storage unit 31 Account database 32 Stamp card information database 33 User information database 34 Business information database 35 Billing information database 40 Control unit 41 Reception unit 42 Payment processing unit 43 Grant unit 44 Provision Department 45 Notification Department 46 Distribution Department 47 Calculation Department 100 User Terminal 200 Business Terminal

Claims (26)

Payments made to a store are made by the store terminal used by the store reading a code indicating user identification information that identifies the user, which is information displayed on the user terminal used by the user. or a user terminal owned by the user performs an operation for making a payment using a payment method that is performed by reading a code indicating store identification information that identifies the store. a reception unit that receives payment information including store identification information that identifies the store when the store is
Each time the payment is made, the stamp card linked to the store identification information included in the payment information received by the reception unit is identified, and the payment is made to the stamp card based on the payment information. an attaching unit that attaches a stamp through an application that provides a payment service ;
A providing device comprising: a providing unit that provides the user with information indicating a stamp given by the giving unit. The reception department is
Accepting conditions for providing predetermined benefits related to the store to the user, which is information about stamps attached to the electronic stamp card linked to the store where the user makes payment,
a calculation unit that calculates a billing amount to the store if the stamp given to the stamp card satisfies the conditions;
The providing device according to claim 1, further comprising:. The reception unit further receives information regarding the price of the benefit,
The providing device according to claim 2, wherein the calculation unit calculates the charge amount based on information regarding the price of the benefit. The calculation unit is
The providing device according to claim 2, wherein the cost of the benefit is calculated as the charge amount. The calculation unit is
The providing device according to claim 2, wherein the offering price of the benefit is calculated as the billing amount. The calculation unit is
The providing device according to claim 2, wherein the billing amount is calculated by multiplying the offer price of the benefit by a predetermined ratio. The reception department is
further accepting payment information regarding payment to the store;
The calculation unit is
The providing device according to claim 2, wherein the billing amount is calculated based on the payment amount indicated by the payment information. The calculation unit is
The providing device according to any one of claims 2 to 7, wherein the billing amount is calculated when the number of stamps given satisfies the condition and the benefit is provided. The calculation unit is
Any one of claims 2 to 7, wherein the charge amount is calculated when the number of stamps given satisfies the condition and the user who was provided with the benefit uses the benefit. The providing device according to item 1. The calculation unit is
According to any one of claims 2 to 9, the charge amount is calculated each time a group of stamps provided satisfies the condition set for each benefit provided to the user. providing equipment. The imparting part is
The providing device according to any one of claims 2 to 10, wherein if the user does not own the stamp card, the providing device acquires the stamp card and attaches a stamp to the stamp card. The imparting part is
According to any one of claims 2 to 11, the stamp is attached to a stamp card linked to a predetermined store group including the store among the stamp cards owned by the user. providing equipment. The imparting part is
Any one of claims 2 to 12, characterized in that a stamp is provided according to the total amount of a payment amount indicated by a payment history using the user terminal for the store and a payment amount indicated by the payment information. The provision device described in . The reception department is
receiving the payment information including transaction object identification information that identifies the transaction object that is the object of the payment;
The imparting part is
The providing device according to any one of claims 2 to 13, wherein when the transaction object identification information indicates a predetermined transaction object, a stamp is added to the stamp card. The imparting part is
The providing device according to any one of claims 2 to 14, wherein a stamp is provided depending on the date and time when the payment is made. The imparting part is
The providing device according to any one of claims 2 to 15, wherein a stamp is provided based on the payment information and user information regarding the user who makes the payment. The imparting part is
Depending on whether or not the store is followed on a predetermined platform that provides a predetermined payment method using the user terminal and that distributes information regarding stores where the predetermined payment method can be used. The providing device according to any one of claims 2 to 16, wherein the providing device applies a stamp using a stamp. The imparting part is
18. The providing device according to any one of claims 2 to 17, wherein stamps are attached to the stamp card according to the number of stamps that have already been attached. The imparting part is
The providing device according to any one of claims 2 to 18, wherein a stamp is provided according to conditions set by the store. The provision department is
If the number of stamps given by the giving unit satisfies a predetermined condition, a predetermined benefit regarding the store is provided to the user, according to any one of claims 2 to 19. providing equipment. The device further includes a first notification unit that notifies the user of information that the predetermined condition is almost achieved when the number of stamps required to satisfy the predetermined condition is less than or equal to a predetermined threshold. The providing device according to any one of claims 2 to 20. Any one of claims 2 to 21, further comprising: a second notification unit that notifies the user of information according to an expiration date set for a stamp already attached to the stamp card. The provision device described in . The provision according to any one of claims 2 to 22, further comprising: a third notification unit that notifies the user of information indicating conditions for adding a stamp to the stamp card. Device. Provide the predetermined payment method with card information regarding an electronic stamp card owned by the user and linked to a store where the predetermined payment method using the user terminal can be used. The providing device according to any one of claims 2 to 23, further comprising: a distribution unit that distributes to the user via a predetermined platform. A providing method executed by a computer, comprising:
Payments made to a store are made by the store terminal used by the store reading a code indicating user identification information that identifies the user, which is information displayed on the user terminal used by the user. or a user terminal owned by the user performs an operation for making a payment using a payment method that is performed by reading a code indicating store identification information that identifies the store. a reception step of accepting payment information including store identification information that identifies the store when the store is
Each time the payment is made, the stamp card linked to the store identification information included in the payment information received in the reception step is identified, and the payment is made to the stamp card based on the payment information. a step of attaching a stamp through an application that provides a payment service ;
and a providing step of providing the user with information indicating the stamp given in the giving step. Payments made to a store are made by the store terminal used by the store reading a code indicating user identification information that identifies the user, which is information displayed on the user terminal used by the user. or a user terminal owned by the user performs an operation for making a payment using a payment method that is performed by reading a code indicating store identification information that identifies the store. a reception procedure for accepting payment information including store identification information that identifies the store when the store is
Each time the payment is made, the stamp card linked to the store identification information included in the payment information received in the acceptance procedure is identified, and the payment is made to the stamp card based on the payment information. a procedure for attaching a stamp through an application that provides a payment service ;
A providing program that causes a computer to execute a providing step of providing the user with information indicating a stamp given in the giving step.

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