JP7320155B1 - Service providing device, service providing method, and program - Google Patents

Abstract

A service providing device, a service providing method, and a program are provided that allow a user to make electronic payment by a means according to the situation. A service providing apparatus for providing an electronic payment service, comprising: a coupon registration unit that receives registration of coupon information relating to coupons that can be used at affiliated stores of the electronic payment service and application programs that can use the coupons; In response to a request from a user terminal device used by a user of said electronic payment service, said user transmits a list of coupons already acquired to said user terminal device, and acquires a specific coupon selected from said coupon list. a coupon providing unit that causes the user terminal device to display a coupon use screen including application information indicating an application program that can use the specific acquired coupon when the already acquired coupon is displayed. [Selection drawing] Fig. 1

Description

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

Conventionally, payment using electronic money has become popular. A technique for automatically applying coupons at the time of payment has been proposed for such payment using electronic money. For example, Patent Literature 1 describes linking a coupon with a user in advance, and automatically applying the coupon linked to the user when the user makes a payment. (See Patent Document 1, for example).

JP 2020-004122 A

In the conventional technology, regardless of whether or not coupons are applied, the electronic payment function was made available by the application provided by the payment business operator. It is now provided as a component, and it is now possible to use the electronic payment function from application programs of other business operators. Since the electronic payment function has become available in such a form, other business operators have a need to perform electronic payment via their own applications depending on the situation.

SUMMARY OF THE INVENTION The present invention has been made in consideration of such circumstances, and provides a service providing apparatus, a service providing method, and a program that enable a user to perform electronic payment by a means suitable for the situation. One of the purposes is to

According to one aspect of the present invention, there is provided a service providing apparatus for providing an electronic payment service, comprising coupon registration for accepting registration of coupon information relating to coupons that can be used at member stores of the electronic payment service and application programs that can use the coupons. and in response to a request from a user terminal device used by a user of the electronic payment service, a list of coupons acquired by the user is transmitted to the user terminal device, and coupons selected from the list are sent to the user terminal device. a coupon providing unit that causes the user terminal device to display a coupon use screen including application information indicating an application program that can use the specific acquired coupon when the specific acquired coupon is displayed. It is a device.

ADVANTAGE OF THE INVENTION According to one aspect of the present invention, it is possible to provide a service providing apparatus, a service providing method, and a program that enable a user to make electronic payment by a means according to the situation.

1 is a diagram showing an example of a configuration for realizing an electronic payment service; FIG. FIG. 2 is a sequence diagram (part 1) illustrating a rough flow of electronic payment; FIG. 2 is a sequence diagram (part 2) exemplifying a rough flow of electronic payment; 2 is a configuration diagram of a settlement server according to the first embodiment; FIG. It is a figure which shows an example of the content of user information. It is a figure which shows an example of the content of member store/store information. It is a figure which shows an example of the content of coupon information. An information management part is a figure which shows an example of a structure which manages coupon information. 4 is a sequence chart showing the flow of electronic payment processing performed by a user terminal device in cooperation with a payment server; FIG. 10 is a diagram showing an example of screen transition when a payment application activates a member store application as a priority application in a user terminal device;

Hereinafter, embodiments of a service providing apparatus, a service providing method, and a program according to the present invention will be described with reference to the drawings. The application program and payment server cooperate to provide electronic payment services. In the following description, a business operator that provides an electronic payment service will be referred to as a payment business operator, and an application program provided by the payment business operator to users of the electronic payment service will be referred to as a payment application. On the other hand, an application program provided by a member store of an electronic payment service for users of the member store is called a member store application. The Merchant App can execute an API (Application Program Interface) (hereinafter referred to as the "Payment API") provided by the payment service provider to the Merchant. You can request the execution of an action. With this payment API, for example, the member store app accepts an operation to select a product to be purchased from among the products and services sold by the member store (hereinafter collectively referred to as "products"), As a means of payment for the purchase price, an electronic settlement service by a settlement company can be made available.

Note that the electronic payment service is a service that supports payment for purchases of products and services at stores. The store is, for example, a physical store (actual store) that exists in the real space, but may also include a virtual store for electronic commerce. Virtual stores may include those provided by entities other than the operator of the electronic payment service. In that case, the screen is controlled to transition to the interface screen of the electronic payment service at the time of payment for shopping at the virtual store. In the electronic payment service, a store is treated as belonging to, for example, a member store (brand), and processing such as settlement when a purchase is made at the store is mainly performed between the user and the member store. Alternatively, processing such as settlement may be performed between the user and the store.

[Electronic payment service]
FIG. 1 is a diagram showing an example of a configuration for realizing an electronic payment service. An electronic payment service is implemented centering on the payment server 100 . The settlement server 100 communicates with, for example, one or more user terminal devices 10, one or more first shop terminal devices 50, and one or more second shop terminal devices 70 via the network NW. The network NW includes, for example, the Internet, a LAN (Local Area Network), wireless base stations, provider devices, and the like.

The user terminal device 10 is, for example, a portable terminal device such as a smart phone or a tablet terminal. The user terminal device 10 is a computer device having at least an optical reading function, a communication function, a display function, an input reception function, and a program execution function. In the following description, configurations for realizing these functions are respectively referred to as a camera, a communication device, a touch panel, a CPU (Central Processing Unit), and the like. In the user terminal device 10, a processor such as a CPU executes a payment application 20 and a member store application 30. FIG. The payment application 20 is an application program provided for users of the electronic payment service by a payment operator that provides the electronic payment service. By executing the payment application 20, the user terminal device 10 cooperates with the payment server 100 to operate so as to provide the electronic payment service to the user.

The member store application 30 is an application program provided by the member store of the electronic payment service for users of the member store. By executing the member store application 30, the user terminal device 10 cooperates with the member store server 40 to operate to provide the member store service to the user. The member store service is a service provided by the operator of the member store in order to improve the convenience of users in purchasing products sold by the company. For example, the member store service may be a service that provides the user with sales information of products handled by the member store, or a service that provides the user with an online product ordering function.

On the other hand, the member store application 30 can execute the payment API 31 provided by the payment business operator, and by executing the payment API 31, operates in cooperation with the payment server 100 to provide electronic payment services to the user. do. The payment API 31 may be included in the member store application 30 or configured as an external program that can be used from the member store application 30 . Moreover, the payment API 31 may be implemented in any form as long as it provides the member store application 30 with a function of linking with the payment server 100 .

For example, the payment API 31 may be provided in the form of an SDK (Software Development Kit) instead of an API. That is, in this case, the user can use the electronic payment service with either the payment application 20 or the affiliated store application 30 . Therefore, at least one of the payment application 20 and the member store application 30 needs to be installed in the user terminal device 10 in order to use the electronic payment service. The payment application 20 and the affiliate attachment 22 are installed in the user terminal device 10 from, for example, an application store, and control the camera, communication device, touch panel, and the like. Note that the payment application 20 is an example of a "first application program", and the member store application 30 is an example of a "second application program".

The first store terminal device 50 is installed, for example, in a store. The first store terminal device 50 is a computer device having at least a product price acquisition function, an optical reading function, a program execution function, and a communication function. The first store terminal device 50 includes a so-called POS (Point of Sale) device, and the POS device may realize the product price acquisition function and the optical reading function. The store code image 60 is placed in a store, and a code image such as a QR code (registered trademark) is printed on a medium such as paper or plastic. Note that the store code image 60 may be displayed on a display placed in the store (a display of a terminal device such as a smart phone may be used).

The second store terminal device 70 is used by the member store operator. The second store terminal device 70 is a smart phone, a tablet terminal, a personal computer, or the like. A member store interface 72 operates on the second store terminal device 70 . The merchant interface 72 may be a merchant application or a browser. The member store interface 72 accepts coupon settings and the like from the member store operator and transmits them to the settlement server 100 . The second store terminal device 70, which is a smartphone, has a function of displaying a code image corresponding to the store code image and reading a code image displayed by the user terminal device 10 by executing an application for member stores. have.

The payment server 100 realizes electronic payment based on payment information received from the user terminal device 10 or the first shop terminal device 50 . The first store terminal device 50 may include a POS device and a member store server. In this case, payment information is transmitted from the POS device to the payment server 100 via the member store server. In the following explanation, it is assumed that the payment information is transmitted from the first store terminal device 50 without distinguishing between them.

2 and 3 are sequence diagrams illustrating the general flow of electronic payment. There may be two types of electronic payment: pattern 1 and pattern 2. Here, the flow when using the payment application 20 will be described, but even when the member store application 30 is used, the flow of electronic payment processing is the same as in the case of the payment application 20 .

In the case of pattern 1 (hereinafter referred to as user scan) shown in FIG. 2, the user terminal device 10 with the payment application 20 activated decodes the shop code image 60 by the optical reading function (S1). The store code image 60 includes store URL (Uniform Resource Locator) information. The store URL is a domain of the electronic payment service to which information that can identify the store is added, and is associated with the member store ID, the store ID, and the like in the settlement server 100 (described later). The payment application 20 transmits the first payment information including the store URL and the account ID to the payment server 100 (S2). The payment server 100 retrieves store information (described later) from the member store ID and store ID corresponding to the store URL, acquires the member store name and store name information (S3), and transmits them to the settlement application 20 (S4). . The user inputs the settlement amount into the user terminal device 10 on the screen displaying the member store name and store name (S5). Then, the user terminal device 10 generates second payment information including at least the payment amount, and transmits the second payment information to the payment server 100 (S6). The payment server 100 performs electronic payment based on the received second payment information (S7). The payment server 100 then transmits a payment completion notification (information for displaying a payment completion screen) to the payment application 20 (S8), and the payment application 20 displays the payment completion screen (S9). When the store code image 60 is displayed on a display placed in a store, the store code image 60 may include not only the store URL but also the payment amount information. In this case, the procedure for the user to input the settlement amount is omitted, and the information of the settlement amount is included in the first settlement information and transmitted to the settlement server 100 . Information on the name of the member store and the name of the store may be included and displayed on the payment completion screen.

In the case of pattern 2 (hereinafter referred to as store scan) shown in FIG. 3, when the payment application 20 is activated, when a payment operation is performed in the payment application 20, and when the timing of automatic update (for example, every minute) comes. , and at other timings, the payment application 20 transmits a one-time code issuance request to the payment server 100 (S11). The payment server 100 generates a one-time code (S12) and transmits it to the payment application 20 (S13). The payment application 20 displays a code image such as a QR code or barcode generated based on the one-time code (S14). The user holds up (presents) the display surface of the user terminal device 10 to the first store terminal device 50, and the first store terminal device 50 decodes the code image by the optical reading function and acquires the one-time code and the like. (S15). The first store terminal device 50 then generates payment information including the one-time code, payment amount, member store ID, store ID, etc., and transmits the payment information to the payment server 100 (S16). The information on the payment amount is acquired in advance by reading a bar code, manually inputting it, or the like. The payment server 100 identifies the user corresponding to the one-time code based on the received information, and performs electronic payment (S17). The payment server 100 then transmits a payment completion notification to the payment application 20 (S18), and the payment application 20 displays a payment completion screen (S19).

It should be noted that electronic payment may be performed using only one of the above patterns. Also, the "account ID" described in FIG. 2 may be other information (such as a telephone number) that can be used as user identification information. Alternatively, the issuance of the one-time code may be omitted in the store scan, and the payment application 20 may display a code image generated based on the user's account ID. In that case, the settlement server 100 identifies the user corresponding to the account ID instead of identifying the user corresponding to the one-time code.

[Settlement server]
FIG. 4 is a configuration diagram of the settlement server 100 according to the first embodiment. The payment server 100 includes, for example, a communication unit 110, a payment content providing unit 120, a payment processing unit 130, an information management unit 140, and a storage unit 170. Components other than communication unit 110 and storage unit 170 are implemented by, for example, a hardware processor such as a CPU executing a program (software). 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 storage unit 170 is an HDD, flash memory, RAM (Random Access Memory), or the like. The storage unit 170 may be a NAS (Network Attached Storage) device that can be accessed by the settlement server 100 via a network. The storage unit 170 stores information such as user information 172, payment content information 174, member store/store information 176, coupon information 178, and the like.

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

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

The payment processing unit 130 performs payment processing based on the payment information transmitted from the user terminal device 10 or the first store terminal device 50 . The payment processing unit 130 performs payment processing while referring to the user information 172 .

FIG. 5 is a diagram showing an example of the contents of the user information 172. As shown in FIG. The user information 172 is an example of user registration information. User information 172 includes, for example, user URL, account ID, phone number, password, email address, user ID, name/address/date of birth, registration date, charge balance, deferred payment setting, deferred payment limit, deferred payment Information such as usage amount, postpaid available amount, settlement method setting, bank account, credit card number, charge history information, settlement history information, acquired coupon ID, etc. are associated with each other. The user URL is used for remittance processing between users. When registering for the electronic payment service, it is mandatory to register a phone number and password. The account ID is issued to the user by the settlement server 100, and the user ID is an ID that can be set arbitrarily by the user (does not need to be set). Likewise, the e-mail address, name, address, and date of birth are information that can be arbitrarily set by the user (they do not have to be set). The registration date is the date when the user registers for the electronic payment service (the date when the account is created). Hereinafter, a user instance (electronic settlement account) associated with these pieces of information will be referred to as an account.

The charge balance is information indicating the balance of electronic money set by the user transferring money to the account in advance. Methods of remittance include remittance from an ATM (Automatic Teller Machine) of a designated trader (bank), remittance from a registered bank account, and the like. The deferred payment setting is information indicating whether or not the setting for enabling electronic payment by deferred payment has been completed, and is set to either "done" or "not completed". The deferred payment limit is the maximum amount of deferred payment that can be used each month, the amount of deferred payment is the amount of deferred payment that has already been used in the current month, and the available deferred payment amount is calculated by subtracting the amount of deferred payment from the deferred payment limit. , is the amount of deferred payment available in the current month. Although only one deferred payment frame is shown in the figure, there are actually more daily upper limits and the like, and the lower one of them may be set as the deferred payment frame. Further details of postpayment are provided below. The payment method setting is setting information indicating whether the user will make an electronic payment based on the charge balance at that point in time or make a payment by deferred payment. Each of the bank account and credit card number is information (account number, card number) of a bank account or credit card number that can deposit money into the electronic payment service. The charge history information is a history of the user's advance remittance to the electronic payment service to increase the charge balance. The payment history information is information indicating details of payments made by the user (date and time, shop ID of the shop where the purchase was made, payment amount, payment method, etc.) for each payment.

Acquired coupon IDs are coupons that can be used at affiliated stores and are identification information of coupons that have already been acquired by the user. Coupons that can be used at affiliated stores are managed in coupon information 178 to be described later, and acquired coupon IDs correspond to coupon IDs managed in coupon information 178 .

FIG. 6 is a diagram showing an example of the contents of the member store/store information 176. As shown in FIG. The member store/store information 176 includes, for example, a first table 176A in which store URLs are associated with member store IDs and store IDs, and member store names and sales proceeds (described above) are associated with member store IDs. and a third table 176C in which store IDs are associated with store IDs. The member store/store information 176 may include, in addition to this information, information such as the category of the member store or store, the location of the store, and the payment pattern.

FIG. 7 is a diagram showing an example of the contents of the coupon information 178. As shown in FIG. Coupon information 178 is, for example, associated with information such as coupon ID, member store ID, startup application information, and coupon content. The coupon ID is identification information of a coupon that can be used at the member store, set by the operator of the member store. The member store ID is identification information of the member store that set the coupon identified by the coupon ID. The member store ID here corresponds to the member store ID in the member store/store information 176 . The coupon content represents the setting content of the coupon identified by the coupon ID. For example, the coupon contents include the validity period of the coupon, the point redemption rate when the coupon is used, the upper limit of the product price for which the coupon can be used, and the like. Coupons are electronic coupons for providing benefits to users in electronic payments. The benefit provided to the user may be, for example, a discount at the time of electronic payment, cash back for the charged balance, or the like.

The activation application information is information indicating the activation application regarding electronic payment using the corresponding coupon. The activation application is an application program that can operate on the user terminal device 10, and is an application program (an application with an electronic payment function) capable of providing the user with an electronic payment function using an electronic payment service. A preset application with an electronic payment function (hereinafter referred to as a "priority application") is intended to be preferentially used by the user when making the electronic payment used. The priority application indicated by the startup application information will be activated when the user performs an operation to use the coupon at the time of electronic payment at the affiliated store (member store) that issued the coupon corresponding to the startup application information. , is controlled so that it is preferentially used by the user terminal device 10 (for example, automatic activation). Note that any application with an electronic payment function may be able to use coupons, and the user may use, for example, an automatically activated priority application to make an electronic payment, or another application with an electronic payment function. You can start the app and make an electronic payment. In this embodiment, the application with electronic payment function is assumed to be a payment application 20 provided by an electronic payment business operator or a member store application 30 provided by a member store. may include offerings.

The information management unit 140 manages user information 172 , member store/store information 176 and coupon information 178 based on information acquired from the user terminal device 10 and the second store terminal device 70 . The information management unit 140 adds, edits, and deletes new records for the user information 172 and member store/store information 176 .

FIG. 8 is a diagram showing an example of a configuration in which the information management unit 140 manages coupon information. The information management unit 140 includes, for example, a coupon registration unit 142, a coupon list providing unit 144, and a coupon providing unit 146. The coupon registration unit 142 has a function of registering a coupon that can be used at a member store when using the electronic payment service at the request of the member store operator. More specifically, the member store interface 72 in the second store terminal device 70 accepts input of the coupon registration information by the member store operator and transmits it to the settlement server 100 , and the coupon registration unit 142 in the settlement server 100 receives the first coupon registration information. The coupon is registered in the settlement server 100 by storing the registration information received from the two-store terminal device 70 as the coupon information 178 in the storage unit 170 .

The coupon list providing unit 144 provides list information of coupons available to the user (hereinafter referred to as "coupon list") in response to the user's coupon inquiry request. A coupon inquiry request is transmitted to the payment server 100 in response to a specific operation on the payment application 20 or member store application 30 on the user terminal device 10, for example. The coupon list providing unit 144 can generate a coupon list by extracting coupons applicable to the user from the coupon information 178 based on the user information 172 of the user who sent the request.

In response to the user's coupon acquisition request, the coupon providing unit 146 provides the requesting user with the coupon specified by the request. The provision of a coupon here means that the user can receive the application of the coupon at the time of payment using an electronic payment service. It means managing in association with users. Hereinafter, information for managing this association will be referred to as correspondence information. By managing such correspondence information by the payment server 100, the user can receive the benefits of coupon application when using the electronic payment service.

[Electronic payment]
When payment information is acquired from the user terminal device 10 or the first shop terminal device 50, the payment processing unit 130 refers to the user information 172 and acquires the user's "settlement method setting." The payment processing unit 130 performs electronic payment as follows for a user whose "payment method setting" is set to "charge balance". The payment processing unit 130 performs electronic payment, for example, by decreasing the charge balance managed in association with the user ID and increasing the item value of the sales proceeds of the member store. For example, the item value of the sales proceeds of the member store is not used as electronic money per se, but the amount corresponding to the item value of the sales proceeds is calculated in a cycle according to the agreement between the member store and the electronic payment service. transferred to a bank account.

The payment processing unit 130 performs electronic payment as follows for a user whose "setting information" is set to "pay later". Deferred payment is set separately from "credit payment" in cooperation with a credit card company, which is a separate entity from the operator of the electronic payment service, and the operator of the electronic payment service is the creditor. , allows electronic payment independent of the charge balance within the deferred payment frame. In order to receive the deferred payment service, it may be necessary to obtain a credit card provided by the operator of the electronic payment service. The amount used for the deferred payment is collected for one month and settled on the next month's payment date, for example, by debiting from a bank account. In this case, the settlement processing unit 130 performs provisional settlement by adding the settlement amount to the deferred payment usage amount and subtracting the same amount from the deferred payment available amount. process to withdraw to If the settlement amount exceeds the postpaid available amount at the time of provisional settlement, an error notification is sent back to the settlement application 20 .

If there is a coupon that can be applied to the user when executing electronic payment, the payment processing unit 130 applies the coupon and then executes the payment. More specifically, since the payment information acquired from the user terminal device 10 at the time of payment includes user identification information, the payment processing unit 130 generates corresponding information based on this user identification information. By referring to , it is possible to recognize the coupon applicable to the user's payment.

FIG. 9 is a sequence chart showing the flow of electronic payment processing performed by the user terminal device 10 in cooperation with the payment server 100. As shown in FIG. Here, a case will be described in which the user first obtains a coupon using the payment application 20 and uses the obtained coupon from the member store application 30 . This case, that is, the case where the above-mentioned priority application is set to the member store application 30, is an example, and the priority application may be set to the payment application 20, or the user may be a member store application 30. Coupons may be acquired using the store application 30 . In either case, by appropriately replacing the payment application 20 with the member store application 30 or the member store application 30 with the payment application 20, electronic payment is executed in the same flow of processing as described below. Also, here, it is assumed that the payment application 20 and the member store application 30 have been installed in the user terminal device 10 in advance.

First, the user inputs an operation to the user terminal device 10 to activate the payment application 20, and the user terminal device 10 activates the payment application 20 in response to the input of this operation (step S101). Subsequently, the user inputs an operation to the payment application 20 to inquire of the payment server 100 about available coupons. (step S102). The coupon inquiry request includes identification information of the user (for example, account ID in FIG. 5).

Subsequently, in the payment server 100, the coupon list providing unit 144 generates a coupon list for the user in response to the coupon inquiry request from the payment application 20, and sends the generated coupon list to the requesting user terminal device 10. (step S103).

Subsequently, in the user terminal device 10, the settlement application 20 displays the coupon list received from the settlement server 100, and the user inputs an operation to the settlement application 20 to select a coupon to be obtained from the coupon list. . In response to the input of this operation, the settlement application 20 transmits an acquisition request for the selected coupon (coupon acquisition request) to the settlement server 100 (step S104). The coupon acquisition request includes user identification information (account ID) and identification information of the coupon selected by the user (for example, the coupon ID in FIG. 7).

Subsequently, in the payment server 100, the coupon providing unit 146 associates the specified coupon with the user in response to the coupon acquisition request from the payment application 20 (step S105). For example, the coupon providing unit 146 refers to the user information 172 and describes the coupon ID of the coupon requested by the user in the item of acquired coupon ID of the record having the account ID of the requesting user. Users and coupons can be associated with each other. After associating the user with the coupon, the coupon providing unit 146 responds to the user terminal device 10 with the activation application information associated with the coupon (step S106).

Subsequently, in the user terminal device 10, based on the startup application information received from the payment server 100, the payment application 20 selects the coupon obtained by the user from the coupon list from the priority application associated with the coupon. The priority application is activated so that it can be used (step S107). As described above, here, it is assumed that the member store application 30 is registered in the activation application information as the priority application for the coupon. The member store application 30 is started in a manner that the coupon obtained can be used from the member store application 30.例文帳に追加

Activation of such a priority application can be realized, for example, by using a so-called deep link as activation application information. A deep link is a link that enables movement from a web page or smartphone application to specific content of a specific application. That is, in this case, among the contents provided by the member store application 30, a deep link to move to the contents for allowing the user to make a payment may be registered in the coupon information in advance as activation application information.

Subsequently, in the user terminal device 10, the user performs an operation to execute payment using the electronic payment service for the member store application 30 that has been activated as a priority application in a state in which the acquired coupon can be used. input. In response to the input of this operation, the member store application 30 generates payment information necessary for payment processing by the electronic payment service and transmits it to the payment server 100 (step S108). Here, more specifically, the member store application 30 can generate and transmit payment information by using the payment API 31 . Then, in the payment server 100, the payment processing unit 130 executes payment processing based on the payment information received from the member store application 30 (step S109). Here, the explanation is given assuming that the payment pattern to be implemented is user scan, but the payment pattern to be implemented may be store scan. That is, electronic payment may be performed in a form in which the first store terminal device 50 generates payment information based on information read from the user terminal device 10 and transmits the payment information to the payment server 100 .

By executing such a series of processes, the coupon list is provided to the user, and the electronic payment using the coupon obtained by the user from the coupon list is performed by the priority application pre-associated with the coupon. can be run using

FIG. 10 is a diagram showing an example of screen transition when the payment application 20 activates the member store application 30 as a priority application in the user terminal device 10. As shown in FIG. Here, for example, it is assumed that the payment application 20 has already been activated on the user terminal device 10, and the screen transition from a situation in which the user inputs an operation to the payment application 20 to acquire a coupon list. In this case, first, in the user terminal device 10, the coupon list display screen G11 is displayed on the payment application 20 in response to the input of the coupon list acquisition operation. In this case, for example, the user inputs an operation to select a coupon to acquire from the displayed coupon list display screen G11, and then exchanges electronic payment with the store.

In the example of FIG. 10, a coupon list display screen G11 presenting coupons 1 to 4 as available coupons for the user is displayed, and the user selects coupon 4 as a coupon to be acquired from among the presented coupons. represents the situation. In response to this selection, in the payment server 100, the coupon providing unit 146 associates the selected coupon 4 with the user, thereby making the coupon 4 available for use by the user and displaying the coupon use screen. The screen information of G12 is generated and transmitted to the user terminal device 10. FIG. At that time, the coupon providing unit 146 transmits the startup application information set in the coupon 4 to the user terminal device 10 together with the screen information of the coupon use screen G12. That is, the activation application information in this case includes information for activating the member store application 30 as the priority application.

Subsequently, in the user terminal device 10, the payment application 20 displays the coupon acquisition screen G12 based on the screen information received from the payment server 100. FIG. The coupon acquisition screen G12 is a screen showing that the user has acquired the coupon 4 selected on the coupon list display screen G11. For example, on the coupon list display screen G11, the fact that the user has acquired the coupon 4 is displayed, along with buttons to be operated when the user wishes to pay using the coupon 4. FIG. The example of FIG. 10 represents a situation in which the user has input an operation to pay on the spot. In response to this input operation, the payment application 20 recognizes the member store application 30 as the priority application for the coupon 4 based on the activation application information supplied from the payment server 100 and activates it.

Subsequently, the member store application 30 activated by the payment application 20 displays a payment screen G21 for electronic payment using the coupon 4. FIG. Activation of such a priority application can be realized, for example, by using a deep link with the payment screen G21 defined in the member store application 30 as a transition destination as activation application information. For example, the payment screen G21 may be configured as a screen that presents the user with options for electronic payment methods. The example of FIG. 10 shows a settlement screen G21 presenting the above-described store scan and user scan as options, and represents a situation in which the user selects store scan. Further, as shown in FIG. 10, payment information IF1 to be settled by the selected method may be displayed on the payment screen G21. In this example, the user presents the code image IM1 displayed on the payment screen G21 to the first shop terminal device 50, and the first shop terminal device 50 reads the code image IM1 to generate payment information and send it to the payment server. 100, electronic payment is made by the store scan method. Upon receiving the payment completion notification from the payment server 100, the user terminal device 10 transitions to the payment completion screen G22 and displays information IF2 indicating the execution result of the payment processing.

In the example of FIG. 10, if the startup application information is not notified in response to the coupon acquisition request from the coupon list display screen G11, or the payment application 20 is notified as the priority application by the startup application information. In this case, the payment screen G21 and the payment completion screen G22 are displayed in the payment application 20 following the coupon list display screen G11 and the coupon use screen G12.

The settlement server 100 of the embodiment configured as described above includes a coupon list providing unit 144 for providing the user terminal device 10 with a list of coupons that can be used by the user, and a coupon list providing unit 144 for obtaining a desired coupon from the coupon list. coupon provision unit 146 for storing corresponding information that associates the identification information of the user with the requested coupon when a coupon acquisition request is received from the user terminal device 10, and an electronic payment service for the user and a payment processing unit 130 that executes payment processing for providing the coupon, and the coupon providing unit 146 allows the user to use the coupon acquired from the coupon list for payment by the electronic payment service. A priority application to be executed by the terminal device 10 is determined and notified to the user terminal device 10 . As a result, the settlement server 100 can activate the priority application corresponding to the coupon on the user terminal device 10 when using the coupon acquired by the user. In other words, according to the payment server 100 of the embodiment, it is possible for the user to make electronic payment by a method suitable for the situation. By switching the execution means of electronic payment depending on the situation, the operator of the member store can understand or manage the details of the payment made by the user who made the payment using the member store application 30. can.

<Modification>
In the above embodiment, a case has been described in which a priority application to be activated in the user terminal device 10 is determined based on preset activation application information. Whether to activate the application as a priority application may be determined based on the attributes of the user who uses the coupon. For example, in the settlement server 100, when the coupon provision unit 146 receives a coupon acquisition request from the user terminal device 10, the user information 172 is referred to, and a priority application is determined based on the attributes of the requesting user. may According to such a configuration, the payment server 100 defines in advance as a priority application in the user terminal device 10 when a coupon acquisition request is made by a user who has an attribute that satisfies a predetermined condition. An application with a specific electronic payment function can be activated. That is, according to such a configuration, it is possible to preferentially use the priority application when the user who meets the conditions makes a payment using the acquired coupon. Further, a plurality of conditions may be set for determining which application with an electronic payment function is to be a priority application, and in that case, different applications with an electronic payment function may be set as priority applications depending on the conditions.

In addition, if the priority application for the coupon requested by the user is not installed in the user terminal device 10, the payment server 100 replaces the activation application information with information for promoting the installation of the priority application. may be supplied to the user terminal device 10. For example, if the payment history includes information about an application program used by the user for payment, the coupon providing unit 146 in the payment server 100 refers to the user's payment history and checks the payment performance via the payment API 31. By recognizing the presence/absence, it is possible to determine whether or not the member store application 30 is installed. Also, if the information of the member store application 30 using the payment API 31 is included in the payment history, it is possible to determine whether or not each of the plurality of types of member store applications 30 is installed. When determining that the priority application is not installed in the user terminal device 10, the coupon providing unit 146 provides the user terminal device 10 with the URL of the website on which the priority application can be installed instead of the startup application information. You may

Further, in the above embodiment, a case has been described where a coupon list display screen showing a list of obtainable coupons is displayed in response to a user's coupon inquiry request, but the coupon list displayed on the user terminal device 10 is , the user is not limited to showing coupons that have not yet been obtained, and the display timing is not limited to when a coupon inquiry is requested. For example, the user terminal device 10 may acquire list information of coupons already acquired by the user from the settlement server 100 in response to a request from the user, and display a list screen of the acquired coupons. .

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.

DESCRIPTION OF SYMBOLS 10... User terminal device 20... Payment application 30... Member store application 31... Payment API 40... Member store server 50... First store terminal device 60... Store code image 70... Second store terminal device , 72 ... interface for member stores, 100 ... payment server, 110 ... communication section, 120 ... payment content providing section, 130 ... payment processing section, 140 ... information management section, 142 ... coupon registration section, 144 ... coupon list providing section, 146 Coupon providing unit 170 Storage unit 172 User information 174 Payment content information 176 Store information 176A First table 176B Second table 176C Third table 178 Coupon information

Claims (10)

A service providing device for providing an electronic payment service,
a coupon registration unit for accepting registration of coupon information relating to coupons that can be used at member stores of the electronic payment service and application programs that can use the coupons;
In response to a request from a user terminal device used by a user of said electronic payment service, said user transmits a list of coupons already acquired to said user terminal device, and acquires a specific coupon selected from said coupon list. a coupon providing unit for causing the user terminal device to display a coupon use screen including application information indicating an application program that can use the specific acquired coupon when displaying the already acquired coupon;
A service providing device comprising: The application information includes deep link information that activates the application program that can use the specific acquired coupon from the payment application that provides the electronic payment service.
The service providing device according to claim 1. the coupon use screen displays a button for accepting an operation to start the application program;
The coupon providing unit activates the application program in a manner in which the requested coupon can be used in response to the pressing of the button.
3. The service providing device according to claim 2. further comprising a payment processing unit that executes payment processing for providing the electronic payment service to the user;
The payment processing unit acquires payment information related to payment by the electronic payment service from the user terminal device that has executed the application program determined by the coupon providing unit, and user identification information included in the payment information. and the corresponding information in which the coupons already acquired by the user are associated with each other, recognizing coupons applicable to the payment,
The service providing device according to claim 1. further comprising a coupon registration unit that receives input of registration information of coupons that can be used at the affiliated store from the affiliated store of the electronic payment service;
The coupon registration information includes identification information of member stores that can use the coupon, identification information of the application program that is executed in relation to the use of the coupon, and information indicating the content of the coupon.
The service providing device according to claim 1. The identification information of the application program is the first application program provided for users of the electronic payment service by the payment business operator that provides the electronic payment service, or the first application program provided by the member store of the electronic payment service 2 shows a second application program for providing to
The service providing device according to claim 5. further comprising a payment processing unit that executes payment processing for providing the electronic payment service to the user;
The payment processing unit receives a payment processing execution request from the second application program via an API of the electronic payment service provided by the payment business operator for the member store.
The service providing device according to claim 6. The coupon providing unit includes the information of the second application program using the API in the user's payment history and stores it in the storage unit.
The service providing device according to claim 7. A service providing device that provides an electronic payment service,
Accepting registration of coupon information regarding coupons that can be used at member stores of the electronic payment service and application programs that can use the coupons,
In response to a request from a user terminal device used by a user of said electronic payment service, said user transmits a list of coupons already acquired to said user terminal device, and acquires a specific coupon selected from said coupon list. causing the user terminal device to display a coupon use screen containing application information indicating an application program that can use the specific acquired coupon when displaying the acquired coupon;
How we provide our services. A service providing device that provides electronic payment services,
accepting registration of coupon information on coupons that can be used at member stores of the electronic payment service and application programs that can use the coupons;
In response to a request from a user terminal device used by a user of said electronic payment service, said user transmits a list of coupons already acquired to said user terminal device, and acquires a specific coupon selected from said coupon list. causing the user terminal device to display a coupon use screen containing application information indicating an application program that can use the specific acquired coupon when displaying the acquired coupon;
program for.

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