JP2023039755A - Electronic settlement server, electronic settlement method, and program - Google Patents

Abstract

To provide an electronic settlement system, an electronic settlement method, and a program that can further increase the possibility that a user purchases a commodity sold by a member.SOLUTION: An electronic settlement system comprises: a receiving unit that receives, from a member terminal device of a member who joins to an electronic settlement service and sells a commodity (or a service, the same hereinafter) by electronic settlement, a privilege provision offer for a privilege in which at least the total amount of burden is defined for the burden of the interest in installment payment; a notification unit that notifies that the privilege based on the privilege provision offer is available to a user terminal device of a user who purchases the commodity sold by the member; and a settlement processing unit that, when the user purchases the commodity sold by the member by installment payment, if the user selects using the privilege and a predetermined condition is satisfied, performs specific settlement processing for exempting the user from being burdened with the interest in installment payment and burdening the member with the interest. The predetermined condition is that the amount of exemption of the burden of the interest in install payment on the entire users responding to the privilege provision offer is equal to or less than the total amount of burden.SELECTED DRAWING: Figure 5

Description

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

Conventionally, there is an electronic payment system that supports member's electronic payment. For example, Patent Literature 1 proposes a system that, when the purchaser's balance is less than the price of the product to be purchased, performs product purchase processing after charging the balance.

Japanese Unexamined Patent Application Publication No. 2020-115278

However, many of the conventional electronic payment systems were aimed at promoting the spread of electronic payment by enhancing the convenience and security of electronic payment itself, and there were cases where it was not possible to sufficiently promote the economic activities of members. . For example, conventional electronic payment systems have not always been able to sufficiently increase the likelihood that users will purchase products sold by affiliates.

The present invention has been made in consideration of such circumstances, and provides an electronic payment system, an electronic payment method, and a program that can increase the possibility of a user purchasing a product sold by a member. One of the purposes is to

One aspect of the present invention is the provision of benefits in which at least the total amount of interest payment for installment payments is determined from a member terminal device used by a member who participates in an electronic payment service and sells goods or services by electronic payment. and a user terminal device used by a user who purchases a product or service of said member to notify that a benefit based on said privilege provision offer is available. and when the user purchases the member's product or service by installment payment, if the user chooses to use the privilege and predetermined conditions are met, the user's installment interest payment and a payment processing unit that performs specific payment processing for exempting the member from the payment and making the member bear the payment, and the predetermined condition is that the exemption amount of the divided interest burden of all users in response to the privilege provision offer is the total It is an electronic payment system, including being below the burden amount.

According to one aspect of the present invention, it is possible to increase the possibility of a user purchasing a product sold by a member.

It is a diagram showing an outline of a specific payment service. 1 is a diagram showing a configuration example of an electronic payment system according to an embodiment; FIG. It is a figure which shows the structural example of a member terminal device. It is a figure which shows the structural example of a user terminal device. 2 is a diagram showing a configuration example of an electronic payment server; FIG. FIG. 10 is a diagram showing an example of the flow of processing when payment for a product purchased by a user is settled by specific installments in the electronic payment system of the embodiment; FIG. 10 is a diagram showing an example of a setting registration screen used by a member to make a special offer. It is a figure which shows an example of the privilege introduction notice. It is a figure which shows an example of user information. It is a figure which shows an example of history information. It is a figure which shows an example of a 1st payment screen. It is a figure which shows an example of a 2nd payment screen. It is a flowchart which shows an example of the flow of the process which a user terminal device performs in specific payment processing. FIG. 10 is a flowchart showing an example of the flow of processing executed by an electronic payment server in specific payment processing; FIG.

Embodiments of an electronic payment system, an electronic payment method, and a program according to the present invention will be described below with reference to the drawings.

[Overview]
In the electronic payment system of the present embodiment, the product seller (hereinafter referred to as "member") bears the interest fee that is borne by the product purchaser (hereinafter referred to as "user") in normal installment payments. It enables member companies to provide users with the privilege of being able to purchase products (hereinafter referred to as "interest rate exemption privilege") through payment business operators. Here, the member is a business operator who can settle the price of the product sold to the user using the electronic payment service provided by the payment business operator. A member may refer to a member store, or may refer to an operator of a group constituted by member stores. In other words, the member can be said to be a person who participates in the business of the payment business operator as a user of the electronic payment service provided by the payment business operator. Hereinafter, a service that settles the price of a purchased product by installments (hereinafter referred to as "specified installment payment") to which an interest rate exemption privilege is applied as a means of payment for the product price is referred to as a "specified payment service".

FIG. 1 is a diagram showing an outline of a specific payment service. For example, a specific payment service is realized through cooperation among a member, an EC business operator, a payment business operator, and a financial institution. The member here is a business operator who sells products using the EC service provided by the EC business operator and settles the purchase price using the payment service provided by the payment business operator. Specifically, first, the member registers the setting of the interest rate exemption privilege to be given to the user with the settlement operator (S1: privilege provision offer). Affiliates may register to establish one interest rate waiver benefit or may register to establish multiple interest rate waiver benefits. For example, the member may set whether or not the interest rate exemption benefit is applied for each product or for each user. In addition, the member may set different provision conditions for each product, or set different provision conditions for each user, regarding the provision of interest rate exemption benefits.

Subsequently, the payment service provider determines the users who can provide interest rate exemption benefits based on the provision conditions registered by the member, and information on the interest rate exemption benefits that can be provided to the determined users (hereinafter " privilege information”) is notified via the terminal device of the user (S2: privilege information notification). The user who has received the benefit information decides whether or not to use the notified interest rate exemption benefit, and if so, uses the terminal device to apply for the interest rate exemption benefit to the payment service provider. (S3: Application for use). When receiving an application for using the interest rate exemption privilege, the settlement business operator notifies the user that the interest rate exemption privilege is available.

When the application for using the interest rate exemption benefit is completed, the user selects a product to purchase via, for example, an EC site operated by an EC business operator (S4: Select product to purchase), and proceeds to the payment procedure for the selected product. Here, the purchase of products through an EC site is just an example, and the specified payment service can be similarly applied to purchases at physical stores of members. In that case, when a user selects a product to purchase, a QR code (registered trademark, the same shall apply hereinafter), etc., is exchanged between the terminal device installed in the physical store (member terminal described later) and the user's terminal device. Electronic payments are made via

In the settlement procedure, the user notifies the settlement company that the specified payment in installments will be used for the purchase price of the selected product (S5: specified settlement request). The payment service provider that receives the specified payment request confirms whether or not the user can be credited (S6: credit confirmation), and if it determines that the user can be credited, it will pay for the purchase price of the product in specified installments. It is determined and notified to the user (S7: Settlement settlement). Note that the example in FIG. 1 illustrates a case where the payment business operator confirms with an external credit institution whether or not credit is granted to the user, but this is an example, and the payment business operator does not rely on the external institution. Instead, they may make credit decisions based on their own criteria. In addition, the payment service provider may acquire purchase information necessary for payment processing from the EC service provider (purchase information cooperation).

When the settlement by the specified installment payment is confirmed, the settlement company receives the payment for the purchased product from the user in installments (S8: payment receipt). More specifically, the payment business operator receives from the user the product price to which the interest rate exemption benefit is applied by withdrawing the monthly payment amount determined at the time of payment from the account of the designated financial institution. Subsequently, when the receipt of the product price is completed, the settlement company deposits the sales proceeds to be obtained by the product seller based on the product price received from the user (S9: Sales proceeds deposit ). More specifically, the payment business operator pays the member the amount obtained by deducting the usage fee for the specific payment service from the price of the product received from the user as the sales proceeds of the product. At this time, the settlement business operator offsets the amount equivalent to the interest burden as the service usage fee by deducting the amount equivalent to the interest burden for the specific installment payment from the product price as the sales proceeds. In step S9, the settlement business operator may deposit the proceeds without waiting for the completion of receipt of the full amount of the product price. For example, in a situation where monthly payments remain, the settlement business operator may pay the product seller the full amount of the sales proceeds by temporarily bearing the unpaid amount at that time.

According to such payment means, the user can purchase the product by paying in installments without having to pay the installment interest. In addition, according to such payment means, the member can increase the possibility of the user purchasing the product by paying the installment interest on behalf of the user. Moreover, according to such payment means, the payment business operator can promote the member's economic activity by providing the member with a specific payment service.

Hereinafter, the configuration of the electronic payment system of the embodiment having such effects will be described in detail.

[System configuration]
FIG. 2 is a diagram showing a configuration example of the electronic payment system 1 of the embodiment. The electronic payment system 1 is realized by one or more processors. The electronic payment system 1 includes at least an electronic payment server 100, for example. The electronic payment server 100 may further include one or more member terminal devices 200 and one or more user terminal devices 300 . The electronic payment server 100, the member terminal device 200, and the user terminal device 300 can communicate via the network NW. Also, the electronic payment server 100 can communicate with an external financial institution system 400, credit institution system 500, EC server 600, etc. via the network NW. The network NW includes the Internet, a LAN (Local Area Network), a WAN (Wide Area Network), a cellular network, and the like.

A member terminal device 200 is a terminal device used by a member. The member terminal device 200 is, for example, a personal computer, a smart phone, a tablet terminal, or the like. Affiliates are businesses that sell products to users. In this embodiment, it is assumed that a member sells products using an EC site operated by an EC (Electronic Commerce) business operator. The EC server 600 illustrated in FIG. 2 is a server device that provides an EC site to users, and is operated by an EC business operator. For example, the member terminal device 200 allows the member to input operations for registering settings related to interest exemption benefits to the electronic payment server 100 and registering settings related to product sales to the EC server 600. It receives and transmits information corresponding to the input operation to the electronic payment server 100, receives various kinds of information from the electronic payment server 100, and displays a screen corresponding to the received information.

A user terminal device 300 is a terminal device used by a user. Here, "using" includes not only the fact that the user owns the terminal device, but also the utilization of a terminal device at an Internet cafe or a terminal device borrowed from a friend. The user terminal device 300 is, for example, a personal computer, a smart phone, a tablet terminal, or the like. A user is a person who purchases a product from a member.

The electronic payment server 100 is a server device operated by a payment business operator. The electronic payment server 100 executes processing for payment service providers to provide payment services to users or affiliates. The payment services provided by payment business operators include the above-mentioned specific payment services in addition to services by various payment methods. For example, various payment methods are payment methods for the purpose of electronic payment using QR codes at EC sites and physical stores, such as credit payment, payment with points, payment with electronic money, bank transfer, cash on delivery, It is a settlement means such as payment at a convenience store.

It should be noted that, in the payment of the product price, the payment business operator needs to be able to identify the member to whom the payment is to be made. For example, in the case of electronic payment at an EC site, the EC server 600 associates and manages products with member companies who sell the products. The EC server 600 provides the electronic payment server 100 with purchase information regarding the purchase when a product or the like is purchased and settled using the functions of the electronic payment server 100 . At this time, the user IDs of the EC server 600 and the electronic settlement server 100 may be shared, or otherwise, the association of the user IDs may be grasped by some method.

In the case of electronic payment at a physical store, the user terminal device 300 reads information about the store, that is, the member, from a QR code or the like displayed at the store, and transmits the information to the electronic payment server 100 together with the user ID and purchase information. Alternatively, the store terminal reads the QR code or the like displayed by the user terminal device 300 and transmits its own information (that is, member information) to the electronic payment server 100 together with the user ID and purchase information. The QR code may be displayed on the member terminal device 200 in the actual store, or may be printed on a physical medium such as paper or a sticker installed in the store.

When the electronic payment server 100 receives a request for payment by specific installments, it requests the external credit institution system 500 to determine whether or not credit can be given to the user. Allow payment. In addition, the electronic payment server 100 cooperates with an external financial institution system 400 to receive payment for products from users who have confirmed payment in specific installments, and to deposit sales proceeds to affiliates.

Next, configurations of the electronic payment server 100, the member terminal device 200, and the user terminal device 300 will be described in more detail. Here, first, the configuration of the member terminal device 200 and the user terminal device 300 will be described, and then the configuration of the electronic payment server 100 will be described.

[Member Terminal Device]
FIG. 3 is a diagram showing a configuration example of the member terminal device 200. As shown in FIG. As described above, the member terminal device 200 is a terminal device for the member to register settings regarding the interest rate exemption privilege with the electronic payment server 100 . The member terminal device 200 includes, for example, a communication unit 210, a display unit 220, an input unit 230, a member application executing unit 240, and a storage unit 250. Member application execution unit 240 is implemented by, for example, a processor such as a CPU (Central Processing Unit) executing a program in a storage device. The program may be a browser, or may be an application program to which various extended functions are added to the browser. Some or all of these components are hardware (circuit part; circuitry) or by cooperation of software and hardware. The program may be stored in advance in a storage device (a storage device with a non-transitory storage medium) such as a HDD (Hard Disk Drive) or flash memory, or may be stored in a removable storage such as a DVD or CD-ROM. It may be stored in a medium (non-transitory storage medium) and installed in the storage device by loading the storage medium into the drive device.

The communication unit 210 is a communication interface for connecting to Ethernet (registered trademark, hereinafter the same), wireless LAN, or cellular network. The communication unit 210 communicates with the electronic payment server 100 via the network NW.

The display unit 220 is implemented by a display device such as a CRT (Cathode Ray Tube) display, a liquid crystal display, or an organic EL (Electro-Luminescence) display. For example, the display unit 220 displays a screen (hereinafter referred to as a “setting registration screen”) for registering settings regarding the interest exemption privilege in the electronic payment server 100 .

The input unit 230 includes input devices such as a mouse, keyboard, trackball, switch, button, joystick, and touch panel. For example, the input unit 230 receives an input of operation on the setting registration screen displayed on the display unit 220 . Note that the input unit 230 may include a voice input device such as a microphone, and may receive an operation input by voice input. Moreover, when the display unit 220 has a touch panel, the input unit 230 may be configured integrally with the display unit 220 . Also, the input unit 230 may be an input interface for inputting an electric signal indicating an operation to the member terminal device 200 from an external device configured separately from the member terminal device 200, for example.

The member application executing unit 240 is realized by executing an application program (hereinafter referred to as "member application") installed in the member terminal device 200 by the processor. The member application AP1 is an application program having a function of registering setting information regarding the interest rate exemption benefit in the electronic payment server 100 based on member's input operation. Specifically, the member application AP1 displays a setting registration screen on the display unit 220, receives an input operation of setting information on the setting registration screen via the input unit 230, and sends the input setting information to the electronic payment server. Send to 100.

The storage unit 250 is implemented by a storage device such as an HDD or flash memory. The storage unit 250 stores various information regarding the operation of the member terminal device 200 . For example, the storage unit 250 stores member application AP1.

[User terminal device]
FIG. 4 is a diagram showing a configuration example of the user terminal device 300. As shown in FIG. As described above, the user terminal device 300 is a terminal device for the user to place an order for products to the EC server 600 . The user terminal device 300 includes, for example, a communication unit 310, a display unit 320, an input unit 330, a user application execution unit 340, and a storage unit 350. The user application executing unit 340 is implemented by, for example, a processor such as a CPU executing a program in a storage device. The program may be a browser, or may be an application program to which various extended functions are added to the browser. Some or all of these components may be realized by hardware (including circuitry) such as LSI, ASIC, FPGA, GPU, etc., or by cooperation of software and hardware. good too. The program may be stored in advance in a storage device such as an HDD or flash memory (a storage device with a non-transitory storage medium), or may be stored in a removable storage medium such as a DVD or CD-ROM (non-transitory storage medium). physical storage medium), and may be installed in the storage device by mounting the storage medium in the drive device.

A communication unit 310 is a communication interface for connecting to an Ethernet, wireless LAN, or cellular network. Communication unit 310 communicates with electronic payment server 100 and EC server 600 via network NW.

The display unit 320 is implemented by a display device such as a CRT display, a liquid crystal display, an organic EL display, or the like. For example, the display unit 320 includes a screen (hereinafter referred to as a "product screen") that provides information on various products handled by the EC server 600 as content, and a product price settlement means for confirming an order for a selected product. (hereinafter referred to as "settlement screen") and the like are displayed.

The input unit 330 includes input devices such as a mouse, keyboard, trackball, switch, button, joystick, and touch panel. For example, the input unit 330 receives inputs such as an operation of selecting a product on the product screen, an operation of selecting a payment method on the payment screen, and the like. Note that the input unit 330 may include a voice input device such as a microphone, and may be configured to receive input of operations by voice input. Moreover, when the display unit 320 has a touch panel, the input unit 330 may be configured integrally with the display unit 320 . Also, the input unit 330 may be an input interface for inputting an electric signal indicating an operation to the user terminal device 300 from an external device configured separately from the user terminal device 300, for example.

The user application execution unit 340 is realized by executing an application program (hereinafter referred to as “user application”) installed in the user terminal device 300 by the processor. The user application AP2 is an application program used by the user to purchase products from the member. For example, the user application AP2 displays a product screen and a payment screen on the display unit 320 by cooperating with the EC server 600 . In addition, the user application AP2 displays a settlement screen on the display unit 320 by cooperating with the electronic settlement server 100 . The user can use the user application AP2 to input operations on the product screen, the payment screen, and the payment screen, thereby purchasing the product from the member using the designated payment method.

Storage unit 350 is implemented by a storage device such as an HDD or flash memory. The storage unit 350 stores various information regarding the operation of the user terminal device 300 . For example, the storage unit 350 stores the user application AP2. The storage unit 350 also stores various types of distribution information acquired from the electronic payment server 100 regarding benefits provided by using installment payments.

[Electronic payment server]
FIG. 5 is a diagram showing a configuration example of the electronic payment server 100. As shown in FIG. The electronic payment server 100 may be configured by one device, or may be configured by integrating functions distributed among a plurality of devices through a network. The electronic payment server 100 includes, for example, a storage unit 110, a communication unit 120, an acquisition unit 130, a notification unit 140, a normal payment processing unit 150, and a specific payment processing unit 160. Among these functions, the acquisition unit 130, the notification unit 140, the normal payment processing unit 150, and the specific payment processing unit 160 are implemented by a processor such as a CPU executing a program in a storage device. Some or all of these components may be realized by hardware (including circuitry) such as LSI, ASIC, FPGA, GPU, etc., or by cooperation of software and hardware. good too. The program may be stored in advance in a storage device such as an HDD or flash memory (a storage device with a non-transitory storage medium), or may be stored in a removable storage medium such as a DVD or CD-ROM (non-transitory storage medium). physical storage medium), and may be installed in the storage device by mounting the storage medium in the drive device.

Storage unit 110 is implemented by a storage device such as an HDD or a flash memory. For example, the storage unit 110 stores setting information IF1 registered by the member regarding the interest rate exemption privilege, history information IF2 indicating the purchase history of the user, user information IF3 regarding the user, and the like. In addition, the storage unit 110 may store arbitrary information related to electronic payment processing.

The communication unit 120 is a communication interface for communicating with the member terminal device 200, the user terminal device 300, the financial institution system 400, the credit institution system 500, and the EC server 600 via the network NW.

Acquisition unit 130 acquires history information IF<b>2 indicating the usage history of the electronic payment service by the user, and supplies the history information IF<b>2 to notification unit 140 . For example, the acquisition unit 130 monitors the usage status of the electronic payment service for all users, and records the usage information in the storage unit 110 as part of the history information IF2 when the electronic payment service is used. .

The notification unit 140 notifies the user who can use the privilege that the interest rate exemption privilege is available when the member registers the setting related to the interest rate exemption privilege in the electronic payment server 100 . Specifically, the notification unit 140 identifies a user who can use the privilege based on the setting information IF1 registered by the member regarding the interest rate exemption privilege, and sends a message to the user terminal device 300 of the specified user. , distribute privilege information for introducing interest rate exemption privileges.

The normal settlement processing unit 150 executes processing for settlement of the product price by a method other than the specific installment payment (hereinafter referred to as “normal settlement processing”). Any settlement means included in the various settlement means described above may be used as the settlement means in the normal settlement process.

The specific payment processing unit 160 executes a process for settling the price of the product in a specific installment payment (hereinafter referred to as “specific payment processing”). 162; After the payment is confirmed, the payment receiving unit 163 actually receives the payment, and the sales payment receiving unit 164 transfers the sales to the member.

The privilege registration unit 161 receives an application for using the interest exemption privilege from the user terminal device 300 . When the privilege registration unit 161 receives an application for use from a user who can use the interest rate exemption privilege, the privilege registration unit 161 sends a ticket (hereinafter referred to as a "privilege ticket") indicating that the interest rate exemption privilege has been granted to the user. issue. Specifically, the privilege registration unit 161 records that a privilege ticket has been issued for the user, and distributes ticket data indicating the issued privilege ticket to the user terminal device 300 . The privilege registration unit 161 is an example of a "receiving unit".

The settlement determination unit 162 performs processing for determining a specific installment payment as a settlement method for the purchase price when a predetermined usage condition is satisfied when a user who can use the interest exemption benefit purchases a product. Specifically, the payment confirmation unit 162 confirms payment by specific installments when the following first to fourth usage conditions are satisfied.

(First Terms of Use)
The first use condition is that the user wishes to use the interest exemption benefit. The settlement confirmation unit 162 determines whether or not the first usage condition is satisfied by, for example, determining whether or not the user has performed an operation on the settlement screen to select a specific installment payment as a settlement method. be able to.

(Second Terms of Use)
The second usage condition is that the total amount equivalent to interest borne by the member due to the application of the interest exemption benefit is less than a predetermined threshold amount. Here, the total amount of interest equivalent is managed for each applicable interest rate exemption privilege, and the threshold amount is set for each interest rate exemption privilege. The settlement determination unit 162 cumulatively updates the total amount equivalent to the exempted interest burden each time the interest rate exemption privilege is applied, and compares the total amount at that time with the threshold amount when applying the interest rate exemption privilege. Thus, it can be determined whether or not the second usage condition is satisfied. That is, it can be said that the second usage condition is that there is a vacancy in the usage limit (total amount) of the interest exemption privilege with the threshold amount as the upper limit.

(Third Terms of Use)
The third usage condition is that the validity period preset by the member for the interest exemption benefit has not expired. The payment confirmation unit 162, for example, refers to the setting information IF1 registered in the storage unit 110, and compares the preset validity period with the current date and time to determine whether the third usage condition is satisfied. can judge.

(Fourth Terms of Use)
A fourth use condition is that the credit to the user has been approved for the installment payment. For example, the payment confirmation unit 162 can determine whether or not credit can be granted to the user by cooperating with the external credit institution system 500 .

The payment receiving unit 163 receives the confirmation of payment by the payment confirmation unit 162, and performs processing for collecting the purchase price of the product from the user in specific installments. As described above, the amount of the purchase price received from the user by the specific installment payment here is the amount obtained by subtracting the amount equivalent to the interest related to the installment from the sales amount of the product.

The sales receipt unit 164 performs processing for depositing the amount obtained by deducting the usage fee of the specific settlement service from the product price received from the user by the price collection unit 163 as the sales proceeds of the product to the member. More specifically, the payment service provider offsets the usage fee of the specified payment service with the amount equivalent to the installment interest burden by deducting the amount equivalent to the installment interest burden exempted from the user from the product price and depositing it to the member. . Through this process, the divided interest burden, which was once passed on to the settlement company, is finally passed on to the member who sold the product. That is, in this embodiment, the payment business operator provides the member with the specified payment service on the condition that the member bears the divided interest on behalf of the user.

[Process flow]
FIG. 6 is a diagram showing an example of the flow of processing when the payment for a product purchased by a user is settled by specific installments in the electronic payment system 1 of the embodiment. Here, the series of processes is divided into a pre-registration phase in which the member registers interest rate exemption benefits with the payment service provider, a specific payment phase in which the payment for the purchase price is confirmed when the user purchases the product, and an actual usage phase. The description will be divided into a payment receipt phase in which payment for the product is received from the customer.

(pre-registration phase)
In the pre-registration phase, first, in the member terminal device 200, the member application execution unit 240 receives input of setting information IF1 regarding the interest exemption privilege, and registers the input setting information IF1 in the electronic payment server 100 (S101). .

Subsequently, in the electronic payment server 100, the notification unit 140 determines the user who can apply the interest rate exemption privilege based on the setting information IF1 registered by the member terminal device 200 and the history information IF2 indicating the purchase history of the user. is specified, and privilege information is notified to the user terminal device 300 of the specified user (S102). The notification unit 140 records, in the user information IF3, the information of the user identified as being able to apply the interest rate exemption benefit.

Subsequently, in the user terminal device 300, the user application executing unit 340 receives the input of the operation to apply for the use of the interest rate exemption privilege, and applies for the use of the interest rate exemption privilege to the electronic payment server 100 (S103).

Subsequently, in the electronic settlement server 100, the privilege registering unit 161 accepts the application for the interest exemption privilege from the user terminal device 300, issues a privilege ticket, and delivers the ticket data of the issued privilege ticket to the user terminal device 300. (S104). The distributed ticket data is stored in the storage unit 350 of the user terminal device 300 .

In this way, by recording the ticket data in the user terminal device 300 in the pre-registration phase, when the user purchases a product from a member who offers an interest exemption benefit related to the ticket data, the purchase price can be reduced. It becomes possible to select a specific installment payment as a means of settlement.

FIG. 7 is a diagram showing an example of a setting registration screen G1 used when a member makes an offer to provide a privilege. For example, the setting registration screen G1 has various input interfaces G11 to G17 for inputting setting information IF1. The input interface G11 is an input interface for setting the name of the interest exemption benefit to be registered. The input interface G12 is an input interface for setting the limit of the usage limit of the interest rate exemption privilege. The input interface G13 is an input interface for setting the validity period of the interest rate exemption benefit to be registered. The input interface G14 is an input interface for setting the number of payments that can be selected in a specific installment payment to which the interest exemption privilege is applied. The input interface G15 is an input interface for setting product types to which interest rate exemption benefits are applicable. The input interface G16 is an input interface for setting conditions for users who can use the interest rate exemption privilege. The input interface G17 is an input interface for setting whether or not "monthly fixed amount payment" can be used as a payment means in a specific installment payment. Monthly fixed payment is a payment method similar to so-called revolving payment in which the monthly payment amount is almost constant regardless of the usage amount or the number of usages. According to the fixed monthly payment, the user can keep the monthly payment amount constant while enjoying the privilege of exemption from paying interest in installments.

FIG. 8 is a diagram showing an example of the privilege introduction screen G2. For example, the privilege introduction screen G2 includes, for example, a content display area G21 showing details of the interest rate exemption privilege, and an application button G22 for requesting the electronic payment server 100 to issue a privilege ticket. For example, in the display area G21 of the content, the interest exemption benefit is displayed with information indicating the member who provided it (for example, the image IMG1 in the example of FIG. 8), information that the purchase price of the product can be paid in installments, It is displayed that you do not have to pay the divided interest, that the effective period ends when the usage limit (for example, the total amount of 500,000 yen in the example of FIG. 8) becomes full. The user who has received the privilege introduction notice can acquire the ticket data in the user terminal device 300 by operating the application button G22 when confirming the details of the privilege and desiring to use it. Displaying the privilege introduction screen G2 on the user terminal device 300 by the notification unit 140 is an example of the “privilege introduction notification”.

FIG. 9 is a diagram showing an example of user information IF3. The user information IF3 is, for example, information in which information such as a user ID, a benefit ID, the presence or absence of notification, and the presence or absence of an application are associated with each other. "User ID" is identification information of each user. The “privilege ID” is identification information of the interest exemption privilege set by the member. The "notification presence/absence" indicates whether or not the corresponding privilege information has been notified to the user. The “whether or not application has been made” indicates whether or not the user has applied for use of the privilege in response to the notice of the privilege information.

FIG. 10 is a diagram showing an example of history information IF2. The history information IF2 is, for example, information in which information such as user ID, product ID, date and time of purchase, payment method, coupon/campaign, and whether or not there is a delay are associated with each other. "User ID" is the same as the user ID of the history information IF2. “Product ID” is identification information of the product purchased by the user. "Purchase date and time" represents the date and time when the user purchased the product. "Payment method" represents the payment method used by the user to pay for the product purchased. "Coupon/Campaign" is information representing the coupon or campaign used by the user to purchase the product. The “whether or not there is a delay” is information indicating whether or not there was a delay in payment for the product.

For example, the notification unit 140 may refer to the history information IF2 and determine the users whose total product purchase amount in a predetermined period satisfies the application condition of the setting information IF1 to be notified of the privilege information. Further, for example, the notification unit 140 refers to the history information IF2, analyzes the user's preferences, identifies the type of product that the user prefers, and if the type is included in the applicable products of the setting information IF1, , the user may be determined as a notification target of privilege information. On the other hand, the notification unit 140 may exclude a specific user identified based on the history information IF2 or the user information IF3 from being provided with the interest rate exemption privilege. For example, the notification unit 140 may exclude a user whose payment was delayed in past product purchases from the notification targets.

In addition, when one user can use a plurality of interest rate exemption privileges, the notification unit 140 may notify the user of all privilege information of the plurality of interest rate exemption privileges, or may notify the user of the plurality of interest rate exemption privileges. A privilege recommended to the user may be selected from among and notified to the user. For example, when a plurality of members have registered interest rate exemption benefits that a certain user can use, the notification unit 140 ranks the plurality of members based on the user's history information IF2, and ranks the plurality of members. Only affiliates may be notified to users. For example, the notification unit 140 may notify the user of the interest exemption benefit of the member with the highest total sales amount among the members who have sold products to the user, or the member with the largest number of products sold. You may notify the user of the interest exemption benefit of the customer.

In addition, the notification unit 140 may preferentially notify the user terminal device 300 of privilege information of a member with a large usage limit. In addition, the notification unit 140 may preferentially notify the privilege information about the privilege with a large available usage limit. In addition, the notification unit 140 classifies a plurality of interest rate exemption benefits according to member attributes, etc., performs the above-described ranking for each category, and treats the top ones for each category as recommended privilege information for each category to the user terminal. The device 300 may be notified.

According to the processing of the pre-registration phase described above, the member can use the member terminal device 200 to register the interest exemption privilege in the electronic payment server 100 . In addition, the payment service provider uses the electronic payment server 100 to accept registration of interest rate exemption benefits from members, extract users who meet the applicable conditions, notify them of the benefit information, and issue privilege tickets. , an interest rate exemption privilege can be granted to users who have applied for use.

(Specific settlement phase)
Returning to the description of FIG. Next, in the payment phase, first, in the user terminal device 300, the user application execution unit 340 inputs an operation to specify the member to whom the payment for the purchased product is to be made (that is, the member who sells the product). Accept (S201). For example, on an EC site, a seller (that is, a member) is associated with a product that is put up for sale, so the operation of selecting a product to be purchased is also the operation of selecting a member to pay for. Therefore, in the present embodiment, the user application execution unit 340 identifies the member member of the payment destination by accepting the input of the operation of selecting the product to be purchased on the product screen, and notifies the electronic payment server 100 , the electronic settlement server 100 is requested to settle the purchase price of the product (S202).

In addition to the above-described method of using the EC site, other methods may be used according to the transaction mode of the product, as the method of specifying the member of the payment destination. For example, in one form of payment using a two-dimensional code such as a bar code, a two-dimensional code indicating information on a payee may be presented from the store side at a physical store or an EC site. In such a case, the user application execution unit 340 accepts input of an operation to read the two-dimensional code using the camera, and supplies the information read from the two-dimensional code to the electronic payment server 100, so that the electronic payment server 100 may be configured to notify the payee member.

Subsequently, the user application executing unit 340 causes the user terminal device 300 to display a screen (hereinafter referred to as "first payment screen") for allowing the user to select a payment method to be used for payment of the product ( S203). Specifically, user application execution unit 340 refers to storage unit 350 to check the presence or absence of ticket data. Display the payment screen. The user application executing unit 340 notifies the electronic payment server 100 of the payment method selected on the payment screen (S204). Below, the case where the specific installment payment is selected as the payment method will be described.

FIG. 11 is a diagram showing an example of the first payment screen. For example, the payment screen G3 shown in FIG. 11 includes a display area G31 for information about the product to be purchased, and a user interface display area G32 for selecting the payment method used to pay for the product. For example, in the product information display area G31, information such as the name and price of the product that the user intends to purchase is displayed. Moreover, when the user is going to purchase a plurality of products, the total price of the product group to be purchased may be displayed in the display area G31. In FIG. 11, a button G321 for selecting payment from the prepaid balance and a button G322 for selecting an installment payment using the interest exemption privilege (that is, a specific installment payment) are displayed in the display area G32 as options for payment means. This is an example of when it is displayed on In this case, the user can apply to the electronic settlement server 100 to use the interest exemption benefit by operating the button G322 if the user wishes to make a specific installment payment.

Returning to the description of FIG. Subsequently, in the electronic payment server 100, in response to the notification of the specified installment payment as the payment method from the user terminal device 300, the payment determination unit 162 determines whether there is a vacancy in the usage limit of the interest exemption privilege at that time. (S205), and determine whether or not credit is available for the user (S206). Here, if the payment confirmation unit 162 determines that there is a vacancy in the usage limit of the interest rate exemption privilege and that the user can be credited, the payment determination unit 162 notifies the user terminal device 300 to that effect. With this notification, the user application execution unit 340 of the user terminal device 300 recognizes that the specific installment payment is available, and then displays a screen (second payment screen) for allowing the user to select the number of payments. ) is displayed on the user terminal device 300 (S207).

FIG. 12 is a diagram showing an example of the second payment screen. For example, the payment screen G4 shown in FIG. 12 includes a display area G41 of information regarding payment when the interest rate exemption benefit is applied, a user interface display area G42 for allowing the user to select the number of payments, and a display area G42 for the user to select. and a button G43 for confirming settlement with the number of payments made. For example, the display area G41 displays the monthly payment amount and the total payment amount when the interest rate exemption privilege is applied. In addition, FIG. 12 shows a button G44 for selecting "twice", a button G45 for selecting "three times", and a button for selecting "monthly flat payment" as options for the number of installment payments. This is an example of a case where G46 and a button G46 for designating the number of other payments are displayed in the display area G42. In this case, if the user desires to pay in three installments, the user can apply to the electronic payment server 100 for confirmation of payment by specific installment payment in three installments by operating the button G43 after selecting the button G45.

Returning to the description of FIG. Subsequently, the user application execution unit 340 notifies the electronic payment server 100 of the selected number of payments, thereby making an application for payment by specific installments to the payment business operator (S208). In response to this application, the payment confirmation unit 162 of the electronic payment server 100 confirms the payment of the price for the product by the specified installment payment for the notified number of payments (S209).

In addition, the confirmation of settlement here means that the user and the settlement company have agreed to settle the product price by the specified installment payment (that is, the conclusion of the contract), and the product price is actually paid. It does not include receiving. In such a form of transaction, the member is generally considered to have completed payment upon confirmation of settlement. Therefore, in the example of FIG. 6, the product is delivered (S210 and S211) upon confirmation of payment (S209).

Also, although not shown in FIG. 6, if the payment confirmation unit 162 determines in S206 that the user cannot be credited, the user application execution unit 340 cannot apply the specified installment payment to the payment for the product. Display that effect and decline the request to use the interest exemption privilege.

According to the processing of the specific payment phase described above, by displaying the first payment screen on the user terminal device 300, it is possible to present the user with a specific installment payment as one of the options for payment means when purchasing a product. can. In addition, when a specific installment payment is selected as a settlement means, the electronic settlement server 100 confirms the usage limit, thereby realizing an interest exemption benefit that is valid within a period when the usage limit is available. In addition, when the specified installment payment is selected as the payment method, the electronic payment server 100 checks the credit of the user, so that the purchase price can be settled more safely.

(Payment receipt phase)
Next, in the price collection phase, the price collection unit 163 receives the product price from the user by the specific installment payment determined as the settlement means in the settlement phase (S301). When the payment receiving unit 163 receives the full amount of the product payment to be received from the user, the payment receiving unit 163 notifies the sales receipt receiving unit 164 to that effect.

Subsequently, the sales proceeds receipt unit 164 receives the notification of the completion of receipt of the product price from the price collection unit 163, and based on the product price received from the user, the member who sells the product to the user. Perform processing for depositing sales proceeds to Specifically, the sales proceeds receiving unit 164 deducts the amount equivalent to the split interest burden as the usage fee for the specific settlement service from the product price received from the user by the payment receiving unit 163 as the sales amount of the product. It calculates (S302), and executes processing for depositing the calculated sales amount to the member (S303).

According to the processing of the price collection phase described above, the electronic payment server 100 can deposit the amount obtained by subtracting the amount equivalent to the divided interest burden from the product price received from the user as the sales proceeds of the sold product to the member. As a result, the payment business operator can provide a specific payment service to the member in exchange for receiving from the member an amount equivalent to the divided interest burden as a service usage fee. According to such payment means, the payment business operator can promote the member's economic activity by providing the member with a specific payment service. In addition, according to such payment means, the user can purchase the product by paying in installments without having to pay the installment interest. In addition, according to such payment means, the member can increase the possibility of the user purchasing the product by paying the installment interest on behalf of the user.

(Processing of user terminal device)
FIG. 13 is a flow chart showing an example of the flow of processing executed by the user terminal device 300 in the process of finalizing payment by specific installment payment (hereinafter referred to as "specific payment process"). For example, the flow of FIG. 13 is started when the user performs an operation to pay for the product after selecting the product to be purchased on the product screen. In this case, first, the user application executing unit 340 determines whether or not the user has obtained a privilege ticket in order to display the first payment screen on the user terminal device 300 (S401). Specifically, user application execution unit 340 determines that a privilege ticket has been acquired when ticket data is stored in storage unit 250, and determines that a privilege ticket has been acquired when ticket data is not stored in storage unit 250. determines that the privilege ticket has not been acquired.

Here, when it is determined that the user has not acquired the privilege ticket, the user application execution unit 340 shifts control to normal payment processing (S402), and ends the specific payment processing. On the other hand, if it is determined in S401 that the user has acquired the privilege ticket, then the user application execution unit 340 determines whether the privilege ticket acquired by the user is within the validity period. (S403). Specifically, user application execution unit 340 can determine whether the privilege ticket is within its validity period by comparing the validity period information included in the ticket data with the current time.

Here, when it is determined that the privilege ticket is out of the validity period, the user application execution unit 340 shifts control to normal payment processing (S402), and ends the specific payment processing. On the other hand, if it is determined in S403 that the privilege ticket is within the validity period, then the user application execution unit 340 selects payment method options including a specific installment payment to which the interest exemption privilege corresponding to the privilege ticket is applied. It is displayed on the first payment screen (S404), and the input of the selection operation of the payment method is accepted.

Subsequently, the user application executing unit 340 determines whether or not the payment method selected by the user is the specific installment payment (S405). If it is determined that the payment method selected by the user is not the specific installment payment, the user application executing unit 340 shifts control to normal payment processing (S402), and ends the specific payment processing. On the other hand, if it is determined in S405 that the payment method selected by the user is the specified installment payment, the user application execution unit 340 notifies the electronic payment server 100 that the user wishes to pay by the specified installment payment. (S406).

Subsequently, the user application executing unit 340 receives notification of whether or not the specific installment payment can be used from the electronic settlement server 100 in response to the notification of S406, and determines whether or not the specific installment payment can be used (S407). If it is determined here that the specific installment payment is not available, the user application execution unit 340 shifts control to normal payment processing (S402), and ends the specific payment processing. On the other hand, when it is determined in S407 that the specific installment payment is available, the user application execution unit 340 displays the second payment screen (S408) and receives input of an operation to select the number of payments. When the user application execution unit 340 receives an input for selecting the number of payments on the second payment screen, the user application executing unit 340 notifies the electronic payment server 100 of the selected number of payments (S409), thereby confirming the payment in the specified installments. .

(Processing of electronic payment server)
FIG. 14 is a flow chart showing an example of the flow of processing executed by the electronic payment server 100 in the specific payment processing. For example, the flow in FIG. 14 is started when a payment request for a specific installment payment is received from the user terminal device 300 (for example, S406 in FIG. 13). First, in the electronic payment server 100, when a payment request for a specific installment payment is received from the user terminal device 300, the payment confirmation unit 162 checks whether there is an available usage limit for the requested interest rate exemption privilege at that time. It is determined whether or not (S501). For example, the payment confirmation unit 162 refers to the history information IF2 of all users, extracts the usage record of a specific installment payment to which the same interest exemption privilege is applied, and By comparing , it is possible to determine whether or not there is a vacant usage limit.

Here, if it is determined that there is no vacancy in the usage limit, the payment confirmation unit 162 notifies the user terminal device 300 that use of the specified interest rate exemption benefit is to be refused (S502). On the other hand, if it is determined in S501 that there is a vacant usage limit, the settlement determination unit 162 checks the credit of the user (S503), and determines whether the user is allowed to use the specified installment payment based on the credit check result. It is determined whether or not (S504).

Here, when it is determined that the user is not allowed to use the specific installment payment, the payment confirmation unit 162 notifies the user terminal device 300 that the application for use of the specific installment payment is rejected (S502). On the other hand, if it is determined in S504 that the user is to use the specified installment payment, the payment determination unit 162 notifies the user terminal device 300 of that effect (S505), and selects the number of payments from the user terminal device 300. A result is acquired (S506). The payment confirmation unit 162 confirms the payment in the specified installments for the acquired number of payments (S507).

Here, in response to receiving a payment request for a specific installment payment from the user terminal device 300 (for example, S406 in FIG. 13), the electronic payment server 100 determines whether or not there is an available usage limit. (S501), the electronic payment server 100 receives a request from the user terminal device 300, determines whether or not there is an available usage limit, and responds to the user terminal device 300 with the determination result. may be configured to In this case, for example, in step S403 (FIG. 13), the user terminal device 300 determines that the ticket is within the valid period based on the determination result received from the electronic payment server 100. , and whether or not there is a vacancy in the usage limit may be determined.

According to the above-described embodiments, a member terminal device used by a member who participates in an electronic payment service and sells goods or services by electronic payment provides a benefit in which at least the total amount of interest payment for installment payments is determined. and the user terminal device used by the user who purchases the product or service of said member, that the privilege based on said privilege provision offer can be used. and a notification unit for splitting the user when the user selects to use the privilege and a predetermined condition is satisfied when the user purchases the member's product or service by installment payment and a payment processing unit that performs specific payment processing for exempting the member from interest burden and making the member bear the burden, and the predetermined condition is that the exemption amount of the divided interest burden for all users in response to the privilege provision offer is By including the fact that it is equal to or less than the total burden amount, it is possible to exempt the user from the divided interest burden and increase the possibility that the user will purchase the product.

In addition, according to the above-described embodiments, a user who participates in an electronic payment service and sells goods or services by means of electronic payment can purchase products or services of the member by using the benefits proposed by the member. a payment receiving unit that performs processing for receiving payment in installments from the user, exempting the user from paying interest in installments when the product or service is purchased in installments; and a sales receipt unit that performs processing for depositing the amount after deducting the exempted installment interest payment portion as the sales proceeds of the product or service to the member, so that the member can pay the user's installment interest. By using a specific settlement service instead of paying, it is possible to increase the possibility that the user will purchase the product.

Further, according to the embodiments described above, a user terminal device used by a user to purchase goods or services of a member who participates in an electronic payment service and sells goods or services by electronic payment; and an electronic payment server that performs processing for settling the purchase price of the product or service based on information notified from the user terminal device, and the user terminal device allows the user to pay the product or service in installments. a display control unit for displaying a plurality of options regarding the number of installment payments on a display unit when purchasing a service; , for the purchase price of the product or service, by providing a payment processing unit that confirms payment in installments according to the selected number of payments, the user can select the number of payments or monthly fixed payment for each purchase of the product or service. Since it becomes possible to do so, the convenience of product purchase can be improved.

In addition, according to the above-described embodiments, a benefit provided to users by a member who participates in an electronic payment service and sells goods or services by electronic payment, and which is exempted from interest payment in installments. a notification unit for notifying the user terminal device of the user of privilege information regarding the above; By controlling the notification of the privilege information to the user terminal device, appropriate privilege information can be provided to the appropriate user.

<Modification>
In the above, we explained the case where the user purchases products (or services) sold by member companies via the EC site. It can also be applied when purchasing merchandise from a member who sells merchandise. Here, a case of application to so-called bar code settlement will be described. In general, bar code settlement includes a first mode in which a user reads a bar code presented by a member, and a second mode in which a member reads a bar code presented by a user.
For example, in the case of the first mode, the electronic payment system 1 allows the user terminal device 300 to read member information from a barcode and transmit it to the electronic payment server 100 , and the electronic payment server 100 reads the member information from the user terminal device 300 . Recognizes the physical store as the payment destination for the purchase price based on the member information received, and the user selects to use the interest exemption privilege for payment of the purchase price when purchasing products at the physical store. The specific settlement process may be performed when the user terminal device 300 notifies to that effect.
Further, for example, in the case of the second mode, the member terminal device 200 installed in the member's physical shop reads the user information from the barcode displayed on the user terminal device 300. is transmitted to the electronic payment server 100, and the electronic payment server 100 specifies the user who purchases the product at the actual store, and the specified user selects to use the interest exemption privilege to pay the purchase price. The specific settlement process may be performed when the user terminal device 300 notifies to that effect.

As described above, according to the electronic payment system 1 of the present embodiment, the member's economic activities can be further promoted.

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

Reference Signs List 1 electronic payment system 100 electronic payment server 110 storage unit 120 communication unit 130 acquisition unit 140 notification unit 150 normal payment processing unit 160 specific payment processing unit 161 privilege registration Part 162... Settlement Confirmation Part 163... Payment Receipt Part 164... Sales Proceeds Receipt Part 200... Participant Terminal Device 210... Communication Part 220... Display Part 230... Input Part 240... Participant Application Executing Part , 250 Storage unit 300 User terminal device 310 Communication unit 320 Display unit 330 Input unit 340 User application execution unit 350 Storage unit 400 Financial institution system 500 Credit Agency system 600...EC (Electronic Commerce) server

The present invention relates to an electronic payment server , an electronic payment method, and a program.

The present invention has been made in consideration of such circumstances, and provides an electronic payment server , an electronic payment method, and a program that can increase the possibility of a user purchasing a product sold by a member. One of the purposes is to

Embodiments of an electronic payment server , an electronic payment method, and a program according to the present invention will be described below with reference to the drawings.

Claims (8)

From the member terminal device used by the member who joins the electronic payment service and sells goods or services by electronic payment, a privilege provision offer requesting the provision of a privilege with at least the total amount of interest payment for installment payments a reception unit that receives
a notification unit that notifies the user terminal device used by the user who purchases the member's product or service that a privilege based on the privilege provision offer is available;
When the user purchases the member's product or service by installment payment, if the user chooses to use the privilege and predetermined conditions are met, the user's installment interest payment is exempted. a payment processing unit that performs specific payment processing for making the member bear the cost of
with
The predetermined condition includes that the exemption amount of the divided interest burden for all users in response to the privilege provision offer is equal to or less than the total burden amount,
Electronic payment system. The predetermined condition further includes that the validity period preset by the member for the privilege has not expired,
The electronic payment system according to claim 1. The predetermined condition further includes that it is determined that credit is possible in the process of determining whether credit can be granted to the user.
The electronic payment system according to claim 1 or 2. The reception unit receives registration of the setting of the privilege by the member,
The setting of the privilege includes setting the total burden amount or the validity period of the privilege,
The electronic payment system according to any one of claims 1 to 3. The member sells the product or service at a physical store,
The user terminal device acquires member information provided at the physical store of the member and transmits it to the electronic payment system,
Based on the member information received from the user terminal device, the payment processing unit recognizes the physical store as a payment destination for the purchase price of the product or service purchased by the user, and performing the specific payment processing when the user terminal device notifies that the user has selected to use the privilege to pay the purchase price;
The electronic payment system according to any one of claims 1 to 4. The member sells the product or service at a physical store,
A second member terminal device installed at the physical store of the member acquires user identification information provided by the user terminal device and transmits it to the electronic payment system;
The payment processing unit identifies the user who purchases the product or service at the physical store based on the user identification information acquired from the second member terminal device, and the identified user performing the specific payment processing when the user terminal device notifies that the user has selected to use the privilege to pay for the purchase of the product or service;
The electronic payment system according to any one of claims 1 to 5. the computer
From the member terminal device used by the member who joins the electronic payment service and sells goods or services by electronic payment, a privilege provision offer requesting the provision of a privilege with at least the total amount of interest payment for installment payments reception,
Notifying the user terminal device used by the user who purchases the member's product or service that the privilege based on the privilege provision offer is available;
When the user purchases the member's product or service by installment payment, if the user chooses to use the privilege and predetermined conditions are met, the user's installment interest payment is exempted. to carry out specific settlement processing to be borne by the said member,
The predetermined condition includes that the exemption amount of the divided interest burden for all users in response to the privilege provision offer is equal to or less than the total burden amount,
electronic payment method. to the computer,
From the member terminal device used by the member who joins the electronic payment service and sells goods or services by electronic payment, a privilege provision offer requesting the provision of a privilege with at least the total amount of interest payment for installment payments let me accept
causing the user terminal device used by the user who purchases the member's product or service to notify that the privilege based on the privilege provision offer is available;
When the user purchases the member's product or service by installment payment, if the user chooses to use the privilege and predetermined conditions are met, the user's installment interest payment is exempted. to carry out a specific settlement process for the said member to bear,
The predetermined condition includes that the exemption amount of the divided interest burden for all users in response to the privilege provision offer is equal to or less than the total burden amount,
program.

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