JP2010044538A - Settlement service system and payment-linked advertising method - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide advertisement information which is effective for an order completion screen without deteriorating responsiveness of settlement processing. <P>SOLUTION: This settlement service system is provided with: an advertisement selection server for storing advertisement segment information as divisions formed based on settlement information for selecting advertisement information and advertisement provider addresses in association with each other; an advertisement cooperative processing means for, when advertisement display conditions are included in the settlement information to be transmitted from an affiliate store server at settlement, generating the advertisement segment information based on the settlement information, and for transmitting it to the advertisement selection server, and for receiving an advertisement provider address; and a transaction processing means for creating a response telegraphic message based on the result of settlement processing and the advertisement provider address, and for transmitting it to the affiliate store server. The consumer terminal displays the order completion screen created based on the response telegraphic message through the affiliate store server, and the consumer terminal acquires the advertisement information by using an advertisement provider address included in the response telegraphic message, and the consumer terminal displays the advertisement information on the order completion screen. <P>COPYRIGHT: (C)2010,JPO&INPIT

Description

  The present invention relates to an advertisement distribution technology for a payment agent system interposed between a member store server that is a site for selling products and the like and a payment server that executes payment processing. The present invention relates to a payment agent system and a payment-linked advertisement distribution method capable of distributing advertisement information to a terminal and displaying an advertisement suitable for the consumer on an order completion screen of the consumer terminal.

  2. Description of the Related Art Conventionally, a system has been proposed in which merchandise information suitable for a user is selected based on information on a transaction amount and information on a settlement method and the merchandise information is provided at a settlement stage at the time of merchandise sales on the Internet.

  For example, in Patent Document 1, a personal usage amount and a settlement method history are stored in an IC card, while a transaction screen storage server stores a product screen display condition table in which the usage amount / settlement method is associated with a recommended product. In addition, a method and system has been proposed in which recommended products are presented with reference to the table at the time of user settlement.

In this system, a transaction monitoring program stored in a transaction monitoring program storage server is downloaded and executed by a transaction apparatus that reads and operates information on an IC card such as an ATM, a personal computer, or a portable terminal. We also download various condition tables such as advertising conditions and product screen display conditions, monitor transactions on this transaction device, and provide product information by referring to the condition tables downloaded from the usage amount and payment method, etc. It is to do.
Japanese Patent Laid-Open No. 10-269284

  However, since the technique of Patent Document 1 downloads necessary programs and various condition tables to the transaction apparatus, the communication load on the product purchase screen becomes heavy, and the problem is that download time is required as conditions increase. There is.

  On the other hand, if you ask the server for information such as the user's usage amount and payment method, and try to download and display only the optimal advertising information, the timing difference with the payment processing will be absorbed, and how will the response be made faster? The problem occurs. In particular, when displaying advertisement information on the order completion screen to check whether payment has been completed or not, if it takes time to obtain the advertisement information, the display of the order completion screen will be delayed. It is not preferable.

  The present invention has been made in view of the above-described circumstances. A server (hereinafter referred to as a member store server) and a settlement server of a merchant that sells products and provides services (hereinafter simply referred to as sales of products). Payment agent system and payment linkage that can provide effective advertising information without degrading the response performance of the payment process when notifying the payment result in a system that intervenes a payment agent in between An object is to provide a type advertisement distribution method.

First, the outline of the procedure of settlement processing and advertisement display processing according to the present invention will be described with reference to FIG. In FIG. 1, when the consumer inputs information such as designation of a product to be purchased and a credit card from the order screen displayed on the consumer terminal 60 (S 1), the member store server 70 issues a settlement request to the settlement agency system 1. Transmit (S2). Upon receiving this request, the payment agent system 1 transmits payment information to each payment server 80 (S3) and receives a payment result sent from the payment server 80 (S4).
The payment agent system 1 also selects an advertisement information URL corresponding to the payment information from the payment information, and transmits it to the member store server 70 together with the payment result (S5).

  The member store server 70 sends these pieces of information to the consumer terminal 60 (S6), and the consumer terminal 60 acquires advertisement information based on the advertisement information URL and displays the advertisement on the order completion screen (S7). .

  The payment agent system according to the present invention is connected to a merchant server that sells products and the like connected to a consumer terminal and a payment server that performs payment processing via a communication network, and between the merchant server and the payment server. Is a payment agency system that mediates the payment processing of the card, and stores the advertisement segment information that is formed based on the payment information such as the card brand and the payment amount, and is used for selecting the advertisement information, and the advertisement acquisition destination address in association with each other An advertisement selection server that has an advertisement information database to be extracted, extracts an advertisement acquisition destination address corresponding to the advertisement segment information with reference to the advertisement information database upon reception of the advertisement segment information, and transmits the extracted advertisement acquisition destination address And settlement processing with the settlement server based on the settlement information sent from the member store server. If the display information including the dimension code indicating the size of the advertisement is included in the payment information sent from the agency process execution means and the member store server, the advertising segment information is generated based on the payment information. The advertisement cooperation processing means for receiving the advertisement acquisition destination address transmitted from the advertisement selection server and the result of the payment processing by the payment proxy processing execution means and the advertisement received by the advertisement cooperation processing means Transaction processing means for creating a response message based on the acquisition destination address and transmitting the response message to the member store server, and displaying an order completion screen created based on the response message via the member store server on the consumer terminal. Display on the order completion screen by causing the consumer terminal to acquire advertisement information using the advertisement acquisition destination address included in the response message. And characterized in that.

  In the present invention, the advertisement segment information which is a condition for selecting an advertisement includes settlement information such as a card brand and a settlement amount, and the advertisement segment information and the advertisement acquisition destination address are stored in association with each other. Then, the advertisement segment information is generated from the payment information transmitted at the time of payment, the advertisement acquisition destination address is extracted, sent to the consumer terminal via the member store server, and the consumer terminal uses this advertisement acquisition destination address. The advertisement information is acquired based on the information and displayed on the order completion screen.

  This eliminates the need to send advertisement information via a payment agent system or a member store server, and handles a certain size of advertisement selection control information such as an advertisement acquisition destination address, thereby reducing the processing load. Note that the processing efficiency is further improved by sending the advertisement selection control information from the advertisement selection server to the advertisement cooperation processing means in the response XML document format.

  Preferably, a history database for storing history information related to consumer payments and purchases in association with consumer identifiers is provided, and the advertisement linkage processing means generates advertisement segment information using this history information. Accordingly, it is possible to provide advertisement information that takes into account not only information at the time of settlement but also past history.

  In order to provide more effective advertising information to consumers, it forms advertising segment information including attribute information such as consumer gender, and builds an advertising information database by associating this advertising segment information with the advertisement acquisition destination address It is good to do. Further, by generating information using the information accumulated on the advertisement selection server side, more detailed segment designation is possible.

  The settlement agency system according to the present invention includes an advertisement material server that stores advertisement information corresponding to an acquisition destination address, and the advertisement material server stores a click history of advertisement information displayed on a consumer terminal. Based on the click history, the advertisement information to be displayed on the consumer terminal is changed corresponding to the acquisition destination address.

  In the present invention, since the click history of the distributed advertisement information is collected and the advertisement information of the acquisition address is changed based on this history, highly effective advertisement information can be provided.

  Preferably, in order to convey the contents of the advertisement to the consumer more effectively, information related to the creative such as the click rate of the advertisement information, the conversion rate, the staying time at the server, and the member store information may be added.

  The payment-linked advertisement distribution method according to the present invention is connected to a merchant server that connects with a consumer terminal and sells products and a payment server that performs payment processing via a communication network. Proxy server that mediates payment processing between the server, an advertisement selection server that manages the advertisement acquisition destination address, and an advertisement material that is an advertisement acquisition destination server and stores advertisement information to be distributed for each advertisement acquisition destination address A payment-linked advertising distribution method that uses a server to distribute advertisements to consumer terminals during payment processing, and is an advertisement selection server that selects advertising information such as card brands and price ranges for payment amounts The segment information and the advertisement acquisition destination address are stored in association with each other, and the payment proxy server sets the payment service based on the payment information sent from the member store server. If the payment information sent from the merchant server includes an advertisement display condition including a dimension code indicating the size of the advertisement, the advertisement is based on the payment information. Generates segment information and executes an advertisement linkage process that acquires an advertisement acquisition destination address corresponding to the advertisement segment information from the advertisement selection server, and responds based on the result of the settlement process and the advertisement acquisition destination address acquired by the advertisement linkage process Executes transaction processing that creates a message and sends it to the merchant server. The merchant server displays an order completion screen on the consumer terminal based on the response message, and acquires the advertisement acquisition destination address and advertisement to the consumer terminal. By sending the program and executing the received advertisement acquisition program on the consumer terminal, the advertisement material based on the advertisement acquisition destination address To request the delivery of advertising information to over server, and displaying the advertisement information that the sent from the advertising material server to order completion on the screen.

  In the present invention, the advertisement acquisition destination address is transmitted at the time of settlement, while the member store server acquires an advertisement display advertisement acquisition program for acquiring advertisement information based on the advertisement acquisition destination address and displaying it on the order completion screen to the consumer terminal. By transmitting the advertisement acquisition destination address together with the settlement result, the advertisement information is acquired and displayed on the consumer terminal side. In addition, since the payment agency server determines whether or not to distribute the advertisement based on the advertisement display condition, the function is provided when the member store server that already has a payment processing function adds a new advertisement display function. The processing at the time of addition becomes easy, and the advertisement display linked with the settlement completion notice becomes possible.

  According to the present invention, in order to acquire advertisement information to be displayed in the default advertisement space on the order completion screen of the consumer terminal, first, an advertisement acquisition destination address corresponding to the settlement information is acquired from the advertisement selection server, and this information is obtained. It is sent to the consumer terminal via the merchant server, and the consumer terminal acquires the advertisement information by this advertisement acquisition destination address and displays it on the order completion screen, thereby suppressing the impact on the response performance of the settlement process. Effective advertising information can be provided.

Further, in the extraction of advertisement information, more effective advertisement information can be displayed by adding other information such as the effectiveness of the advertisement obtained from the click history of the advertisement or the attribute of the consumer.
Furthermore, since the member store server does not need to handle information related to the display of advertisements separately from the payment information, the processing load is reduced.

  Embodiments of the present invention will be described below. FIG. 2 is a functional block diagram of the payment agent system according to the present embodiment and various servers and consumer terminals connected thereto.

  In this figure, a consumer terminal 60 which is a personal computer or a portable terminal used by a consumer is connected to a member store server 70 via a communication network 5. The member store server 70 is a server of a merchant that provides information such as products to consumers through a homepage.

  In response to the payment request sent from the member store server 70, the payment agent server 10 performs a payment process with the corresponding payment server 80 based on the card information included in the payment information. This server notifies the member store server 70 of the result.

  The advertisement server 90 is a server that provides advertisement information, and includes an advertisement selection server 40 that mainly manages advertisement acquisition destination addresses in association with settlement conditions, and an advertisement material server 50 that manages advertisement information. Each server is connected via a communication network 5.

  Basically, the payment proxy server 10 and the advertisement server 90 constitute the payment proxy system 1, but the configuration of the payment proxy system 1 is not limited to this. For example, the advertisement material server 50 includes a plurality of different vendors such as an advertising vendor. May be managed.

  The settlement proxy server 10 includes a transmission / reception unit 11 that transmits / receives data to / from the communication network 5, a central processing unit 12 that executes various arithmetic processes, and a storage unit 13 that stores data. Other servers have the same basic configuration.

  The central processing unit 12 of the payment proxy server 10 receives the payment proxy processing execution means 23 for executing the payment proxy processing with the payment server 80, and the advertisement selection control information such as the advertisement acquisition destination address based on the payment information. It has the advertisement cooperation process means 22 to acquire, and the transaction process control means 21 which synchronizes the information regarding payment and advertisement display. Each means 21-23 is realizable by a program as a function of CPU.

  The member store server 70 also includes a payment input processing means 74 for inputting information at the time of payment sent from the consumer terminal 60, and an order completion screen display process for displaying an order completion screen on the consumer terminal 60 when the payment is completed. Means 75 are included.

Next, an outline of the operation of the payment agent system having the above configuration will be described.
First, the consumer accesses the member store server 70 via the consumer terminal 60, purchases a desired product, and inputs a settlement. As a result, the payment information is transmitted from the member store server 70 to the payment server 80 via the payment agent server 10 and the payment processing is executed.

  On the other hand, when the payment proxy server 10 receives a payment request from the member store server 70, the payment proxy server 10 generates advertisement segment information as a condition for selecting an advertisement from the payment information included in the payment request, and the advertisement selection server 40. Request the advertisement acquisition destination address.

In response to this request, the advertisement selection server 40 transmits the advertisement selection control information including the advertisement acquisition destination address to the settlement proxy server 10.
The payment proxy server 10 creates a response message from the payment result sent from the payment server 80 and the advertisement selection control information sent from the advertisement selection server 40, and transmits it to the member store server 70.

The member store server 70 creates an order completion screen based on the settlement result of the response message, displays it on the display unit 65 of the consumer terminal 60, and notifies the advertisement acquisition destination address.
The consumer terminal 60 acquires advertisement information from the advertisement material server 50 based on the advertisement acquisition destination address, and displays it on the order completion screen.

Hereinafter, the processing content of each apparatus will be described with reference to FIGS.
(Settlement input process at member store server) (Fig. 3)
The payment input processing means 74 of the member store server 70 performs input processing of payment information input from the payment screen displayed on the consumer terminal 60 and sent from the consumer terminal 60 (S101). When the input of the settlement information is completed (S102), the format is checked (S103). If there is a mistake, the wrong place is displayed (S104), the input process is prompted again (S101), and if the check is OK ( "Yes" in S103), referring to the advertisement display condition table, the advertisement conditions such as the character code and the dimension code (advertisement size) corresponding to the settlement screen are extracted (S105), and the extracted advertisement conditions and settlement screen The settlement information input through the URL is transmitted to the settlement proxy server 10 as a request message (S106).
The payment information includes a transaction ID, a payment amount, a card number, an expiration date, and the like. FIG. 8 is a data configuration example of a request message from the member store server 70 to the payment agent server 10. In addition to the above-described payment information and advertisement conditions, additional information such as payment type, security information, and the like are included as necessary.

  After step S106, the presence / absence of a response from the settlement proxy server 10 is monitored (S107), and if there is no response within a predetermined time ("Yes" in S108), a timeout process is performed (S110). On the other hand, if there is a response within a predetermined time (“Yes” in S107), it is then determined whether or not there is an abnormal end notification (S109). If it is not an abnormal notification, an order completion screen display process is performed (S111). If it is an abnormality notification, an error display is performed (S110).

(Transaction processing at the settlement proxy server) (Fig. 4)
The transaction processing control means 21 of the payment proxy server 10 transmits the payment information and member store information to the corresponding card company payment server 80 via the payment proxy processing execution means 23 (S201). Next, it is determined whether or not only the payment agent process is performed based on the presence or absence of the advertisement condition in the received data (S202). When the advertisement is also provided ("No" in S202), the advertisement cooperation processing means 22 is used. The advertisement segment information and member store information are transmitted to the advertisement selection server 40.

  The advertisement segment information is determined based on the current and past consumer payment information, purchase information, user identifier (for example, cookie), and the like, and a code (segment code) is attached to each advertisement segment information.

  Thereafter, after a predetermined time delay (S204), if no settlement result is received ("No" in S205), a timeout process is executed (S209).

  On the other hand, when the payment result is received in step S205, if only the payment agent process is performed (“Yes” in S206), the payment result is immediately returned as a response to the member store server 70 (S210). If the advertisement display is also included in step S206, it is determined whether or not advertisement selection control information has been received from the advertisement selection server 40 (S207). If no advertisement is received within a predetermined time, a timeout process is executed (S208, S209) If the advertisement selection control information is received (“Yes” in S207), the advertisement selection control information is returned as a response to the member store server 70 together with the settlement result. In this case, the response transmitted to the member store server 70 includes a transaction ID, version, advertisement information URL, advertisement member store ID, and the like.

(Advertisement information acquisition processing of settlement agency server) (FIG. 5)
When activated by the transaction processing control unit 21, the advertisement cooperation processing unit 22 of the settlement proxy server 10 first checks whether or not the message information includes a card number, a dimension code, and a character code (S301). If it is not OK (“No” in S302), error processing is executed (S303), and if it is OK (“Yes” in S302), the member store ID is acquired using the private key attached to the message information. (S304) Further, referring to the member store table, the advertisement member store ID is acquired from the member store ID (S305).

  The segment code is acquired from the card number of the message information (S306), the character code is encoded from the character code of the message information (S307), the price range code is acquired from the settlement amount of the message information (S308), and the payment type of the message information Based on the designation, the payment type code is acquired (S309).

  Further, the server 10 has a history database 33 for storing a consumer's purchase history and the like, and from this history database 33, acquisition of past purchase information of the consumer, acquisition of past settlement information, and acquisition of demographic information. Etc. are performed (S310 to S312). Moreover, a user identifier is acquired from the terminal information of the consumer at the time of communication (S313).

  Further, the member store ID, advertisement member store ID, segment code, payment type code, price range code, and dimension code are registered in the history database 33 (S314). Further, the member store ID, the advertisement member store ID, and the payment amount are registered in the history database 33 (S315).

Subsequently, an advertisement information request URL is created from the segment code, payment type code, price range code, dimension code, character code, and advertising member store ID (S316), and this advertisement information request URL is transmitted to the advertisement selection server 40. (S317).
Thereafter, within a predetermined time (S318), when there is a response from the advertisement selection server 40 (“Yes” in S319), the advertisement member store ID and the received advertisement information URL are passed to the transaction control processing means 21 (S320). . If there is no response from the advertisement selection server 40 within a predetermined time in step S319, a time-out process is executed and an error notification is sent to the transaction control means 21 (S321).

(Advertisement selection control information transmission process in advertisement selection server) (FIG. 6)
Upon receipt, the advertisement selection control information transmitting means 44 of the advertisement selection server 40 extracts the segment code and member store information from the received data (S402).

  Next, referring to the advertisement information database 45, the advertisement information URL (advertisement acquisition destination address) associated with the segment code is extracted, and the advertisement selection control information is created in the response XML document format (S403). FIG. 9 shows the data structure of the advertisement information database 45 and the detailed data of the advertisement information URL. The segment code is composed of card information such as a brand code portion, and the advertisement information URL associated therewith is composed of a base URL, an advertisement material presence / absence code, a dimension code, a character code, and the like. FIG. 10 shows an example of items included in the advertisement selection control information.

  The response XML document created in step S403 is transmitted to the settlement proxy server 10 (S404). The transmitted response XML document is received and processed by the advertisement cooperation processing unit 22 of the settlement proxy server 10 and passed to the transaction control processing unit 12. Then, a response message shown in FIG. 11 is created based on the settlement result and the response XML document, and is returned as a response to the member store server 70 that has transmitted the settlement processing request.

(Member store server order completion screen display processing) (FIG. 7)
Upon receiving the response message, the order completion screen display processing means 75 of the member store server 70 creates the order completion screen information shown in FIG. 12 using, for example, JavaScript (registered trademark) and sends it to the consumer terminal 60.

  The consumer terminal 60 requests advertisement information from the advertisement material server 50 based on the advertisement information URL of the order completion screen information (S501). When the advertising information is received from the advertising material server 50 (S502), the received advertising information is displayed in the advertising space on the order completion screen (S503). Thereafter, when an advertisement space is clicked (S504), a screen of a URL linked to the advertisement space is displayed (S505).

  As described above, according to the present embodiment, the payment agent server combines the payment, the payment completion notification, and the control information for advertisement display, and transmits it as a response to the payment processing to the member store server. An advertisement can be displayed on the order completion screen.

  Further, the transmission load of the advertisement selection control information such as the advertisement information URL transmitted from the advertisement selection server to the settlement proxy server is reduced by using the response XML document format.

  Further, since the advertisement information is requested from the consumer terminal to the advertisement material server based on the advertisement information URL included in the order completion screen information and the advertisement information sent from the advertisement material server is displayed, the advertisement information itself is displayed. The load on each server can be reduced compared to distribution via a payment agent server or a member store server. Therefore, effective advertising information can be provided based on the payment information without impairing the responsiveness of the payment result.

  The present invention is not limited to the above-described embodiment, and can be implemented with various modifications without departing from the scope of the invention.

  For example, when requesting advertisement information from a consumer terminal, a consumer attribute is added in addition to the advertisement information URL, and the advertisement information group specified by the advertisement information URL on the advertisement material server advertisement material server 50 side is added. Among them, advertisement information suitable for the consumer attribute may be selected and transmitted. In this way, more effective advertising information can be provided by collecting demographic information on the advertising material server side and combining it with the advertising segment generated on the settlement proxy server side.

  In addition, the payment agent system does not receive the payment information from the consumer terminal via the member store server, but the payment agent system receives all or part of the payment information directly from the consumer terminal, or pays in advance. A configuration in which all or part of the information is held may be used.

It is a schematic diagram of the procedure of the payment process and advertisement display process concerning this invention. It is a functional block diagram of the payment agent system by this Embodiment, the various servers connected to this, and a consumer terminal. It is a flowchart which shows the process sequence of the payment input process means of the member store server of FIG. It is a flowchart which shows the process sequence of the transaction process control means of the payment proxy server of FIG. It is a flowchart which shows the process sequence of the advertisement cooperation process means of the payment proxy server of FIG. It is a flowchart which shows the process sequence of the control information transmission means for advertisement selection of the advertisement selection server of FIG. It is a flowchart which shows the process sequence of the order completion screen display process means of the member store server of FIG. 3 is a data configuration example of a request message from the member store server 70 of FIG. 2 to the payment agent server 10. It is an example of a data structure of advertisement information DB45 of the advertisement selection server 40 of FIG. 2, and the detailed data example of advertisement information URL. It is an example of an item contained in the control information for advertisement selection passed from the advertisement selection server 40 of FIG. It is a data structural example of the response message from the payment proxy server 10 of FIG. 2 to the member store server 70. It is an example of preparation of the order completion screen information sent to the consumer terminal 60 from the member store server 70 of FIG.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Payment agency system 5 Communication network 10 Payment agency server 11, 41, 51, 61, 71, 81 Transmission / reception part 12,42,52,62,72,82 Central processing part 12,43,53,63,73,83 Storage unit 21 Transaction processing control means 22 Advertising linkage processing means 23 Payment agency processing execution means 31 Price zone code table 32 Payment type code conversion table 33 History database 44 Advertisement selection control information sending means 45 Advertising information database 54 Advertising material sending means 55 Advertising material database 64 Input section 65 Display section 66 Input / output processing means 67 Display processing means 74 Payment input processing means 75 Order completion screen display processing means 90 Advertising server 91 Advertising member store ID
92 Advertisement acquisition destination address (advertisement information URL)

Claims (5)

Payment that connects with a consumer terminal via a communication network to a merchant server that sells products and the like, and a payment server that performs payment processing, and mediates the payment processing between the merchant server and the payment server An agency system,
Receiving advertisement segment information, including an advertisement information database that stores advertisement segment information that is formed based on payment information such as card brand and payment amount, and is used to select advertisement information in association with an advertisement acquisition address. To extract an advertisement acquisition destination address corresponding to the advertisement segment information with reference to the advertisement information database, and to transmit the extracted advertisement acquisition destination address;
Payment agent processing execution means for executing payment processing with the payment server based on payment information sent from the member store server;
When the payment information sent from the member store server includes an advertisement display condition such as a dimension code indicating the size of the advertisement, the advertisement selection server generates advertisement segment information based on the payment information. Advertising link processing means for receiving the advertisement acquisition destination address transmitted from the advertisement selection server, and
Transaction processing means for creating a response message based on the result of the payment processing by the payment agent processing execution means and the advertisement acquisition destination address received by the advertisement cooperation processing means and transmitting the response message to the member store server,
An order completion screen created based on the response message via the member store server is displayed on the consumer terminal, and the consumer terminal is used by using an advertisement acquisition destination address included in the response message A payment agency system, wherein the advertisement information is acquired by the user and displayed on the order completion screen. A historical database that stores historical information about consumer payments and purchases in association with consumer identifiers,
The settlement agency system according to claim 1, wherein the advertisement cooperation processing unit generates the advertisement segment information using the history information. The advertising segment information of the advertising information database is further formed based on attribute information such as the sex of the consumer,
The advertisement cooperation processing means acquires an advertisement acquisition destination address corresponding to the advertisement segment information by transmitting advertisement segment information generated using consumer attribute information in addition to the settlement information to the advertisement selection server. The settlement agent system according to claim 1 or 2, characterized in that An advertisement material server for storing advertisement information corresponding to the acquisition destination address;
The advertisement material server stores a click history of advertisement information displayed on the consumer terminal, and based on the click history, advertisement information to be displayed on the consumer terminal corresponding to the acquisition destination address The payment agent system according to claim 1, wherein the payment agent system is changed. Payment that connects with a consumer terminal via a communication network to a merchant server that sells products and the like, and a settlement server that performs settlement processing, and mediates settlement processing between the merchant server and the settlement server Using a proxy server, an advertisement selection server that manages an advertisement acquisition destination address, and an advertisement material server that is an advertisement acquisition destination server and stores advertisement information to be distributed for each of the advertisement acquisition destination addresses. A payment-linked advertisement distribution method for distributing advertisements to the consumer terminal,
In the advertisement selection server, the advertisement segment information, which is a category for selecting advertisement information such as the card brand and the price range of the settlement amount, and the advertisement acquisition destination address are associated and stored,
The payment agency server executes a payment process with the payment server based on the payment information sent from the member store server, and sets the advertisement size in the payment information sent from the member store server. If the advertisement display condition including the indicated dimension code is included, advertisement linkage is generated based on the payment information, and the advertisement acquisition destination address corresponding to the advertisement segment information is acquired from the advertisement selection server Execute a transaction process that creates a response message based on the result of the payment process and the advertisement acquisition destination address acquired by the advertisement cooperation process and transmits the response message to the member store server,
In the member store server, an order completion screen is displayed on the consumer terminal based on the response message, and an advertisement acquisition destination address and an advertisement acquisition program are transmitted to the consumer terminal,
In the consumer terminal, by executing the received advertisement acquisition program, the advertisement material server is requested to distribute advertisement information based on the advertisement acquisition destination address, and the advertisement information sent from the advertisement material server is A payment-linked advertisement distribution method characterized by displaying on the order completion screen.