JP7326511B1 - Payment service providing device, payment service providing method, and program - Google Patents

Abstract

A payment service providing device, a payment service providing method, and a program capable of presenting a coupon to a user in a timely manner in an electronic payment service provided in cooperation with a payment application. [Solution] A payment service providing device that cooperates with a payment application that operates on a user terminal device to allow a user to perform electronic payment at a physical store, and is a payment information acquisition device that acquires the user's payment information. and a coupon for displaying, on the user terminal device, a notification image of the coupon relating to the first physical shop where electronic payment was most recently made, by referring to the payment information, in the payment completion screen of the most recent electronic payment. A payment service providing device, comprising: a granting unit; [Selection drawing] Fig. 3

Description

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

Conventionally, in a transaction using a POS terminal, there has been disclosed a technique for determining a benefit to be given to a customer in a transaction based on a privilege granting condition corresponding to a payment method specified by a payment method specifying means (Patent Document 1).

Japanese Patent Application Laid-Open No. 2020-008960

Conventional technologies do not relate to electronic payment services provided in cooperation with payment applications, and there are cases where they cannot be suitably applied to such types of electronic payment services.

The present invention has been made in consideration of such circumstances. One of the purposes is to provide a payment service providing method and program.

One aspect of the present invention is a payment service providing device that cooperates with a payment application running on a user terminal device to allow a user to perform electronic payment at a physical store, and acquires payment information of the user. and a payment information acquisition unit, referring to the payment information, including a notification image of a coupon relating to the first physical store where the electronic payment was most recently made, in the payment completion screen of the most recent electronic payment, to the user terminal device. and a coupon giving unit to be displayed.

ADVANTAGE OF THE INVENTION According to one aspect of the present invention, in an electronic payment service provided in cooperation with a payment application, coupons can be presented to users in a timely manner.

1 is a diagram showing an example of a configuration for realizing an electronic payment service; FIG. 1 is a diagram illustrating a general flow of electronic payment; FIG. 1 is a configuration diagram of a settlement server 100 according to a first embodiment; FIG. 4 is a diagram showing an example of contents of user information 172. FIG. 4 is a diagram showing an example of contents of store information 176. FIG. FIG. 10 is a diagram showing an example of the top screen IM1 of the payment application 20 before transitioning to a coupon list; FIG. 11 is a diagram showing an example of a coupon list screen IM2; It is a figure which shows an example of settlement completion screen IM3. 4 is a diagram showing an example of the contents of coupon setting information 178. FIG. 10 is a flow chart showing an example of the flow of processing related to coupon grant determination, which is executed by a coupon granting unit 126. FIG. It is a configuration diagram of a settlement server 100A according to the second embodiment. It is a figure which shows an example of the content of 178 A of coupon setting information. It is a figure for demonstrating the method of selecting a 2nd physical shop. It is a figure which shows notionally the flow of another store customer referral and adjustment processing.

Hereinafter, a settlement service providing device, a settlement service providing method, and a program according to the present invention will be described with reference to the drawings. A settlement service providing apparatus is realized by one or more processors. A settlement service providing device is a device that provides services such as an electronic settlement service. In the following description, the settlement service providing apparatus will be referred to as a "settlement server". An electronic payment service is a service that supports payment related to purchase of goods and services at a store. A store is a physical store (actual store) that exists in the real space.

[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 store terminal devices 50, and one or more second store 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, the payment application 20 is executed by a processor such as a CPU, and operates in cooperation with the payment server 100 to provide electronic payment services to the user. The payment application 20 controls a camera, a communication device, a touch panel, and the like.

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.

The second store terminal device 70 is used by the store operator. The second store terminal device 70 provides an interface for the store operator through a browser, an application, or the like.

The payment server 100 realizes electronic payment based on payment information received from the user terminal device 10 or the first store terminal device 50 . The settlement server 100 performs electronic settlement, for example, by increasing or decreasing the charge balance managed in association with the user ID (in other words, depositing and withdrawing electronic money). Electronic payment may include those that enable purchase of a larger amount than the charge balance at the time of purchase by methods such as revolving payment and credit payment.

FIG. 2 is a diagram illustrating a general flow of electronic payment. There may be two types of electronic payment: pattern 1 and pattern 2. In the case of pattern 1, first, the payment application 20 is activated on the user terminal device 10, and a code image such as a QR code or barcode is displayed. The user holds up (presents) the display surface of the user terminal device 10 to the first shop terminal device 50 . The first store terminal device 50 decodes the code image with an optical reading function and acquires information such as an account ID. The first shop terminal device 50 then generates payment information including the account ID, payment amount, shop ID, etc., and transmits the payment information to the payment server 100 . The information on the payment amount is acquired in advance by reading a bar code, manually inputting it, or the like. Based on the received information, the payment server 100 transfers the payment amount from the user's electronic payment account to the store's electronic payment account, and completes the payment processing.

In the case of pattern 2, the user terminal device 10 with the payment application 20 activated decodes the store code image 60 by the optical reading function. The store code image 60 includes information such as the store name. The user inputs the settlement amount into the user terminal device 10 on the screen on which the store name and the like are displayed. Then, the user terminal device 10 generates payment information including the user ID, payment amount, store ID, etc., and transmits the payment information to the payment server 100 . The payment server 10 performs payment processing based on the received information. It should be noted that electronic payment may be performed only in one of the above patterns.

<First embodiment>
[Settlement server]
The first embodiment will be described below. FIG. 3 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 information acquisition unit 120, a payment content provision unit 122, a payment processing unit 124, a coupon provision unit 126, an information management unit 128, 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, store information 176, privilege setting information 178, living area information 180, 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 card.

The payment information acquisition unit 120 acquires the user's payment information in one of the patterns described above, and registers it in the payment history information of the user information 172 described later. Note that the payment history information may be information managed separately from the user information 172 .

The payment content providing unit 122 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, including a payment completion screen, which will be described later. The payment content providing unit 122 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 124 performs payment processing based on the payment information transmitted by the user terminal device 10 or the first store terminal device 50 and acquired by the payment information acquisition unit 120 . The payment processing unit 124 performs payment processing while referring to the user information 172 .

FIG. 4 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. The user information 172 includes, for example, an account ID (which may be omitted), a minimum required telephone number and password for new registration, an e-mail address, a user ID, name, address, date of birth, Information such as registration date, charge balance, bank account, credit card number, other service linkage information, charge history information, settlement history information, and provided coupon information are associated. Information other than the telephone number, password, registration date, charge balance, charge history information, and settlement history information is arbitrary setting information. Hereinafter, a user instance (electronic settlement account) associated with these pieces of information will be referred to as an account. The registration date is the date when the user registers for the electronic payment service (the date when the account is created).

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. 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. Other service cooperation information is a login ID or the like of another service that cooperates with the electronic payment service (for example, is operated by an operator belonging to the same business group). 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, etc.) for each payment. The applied coupon information is information indicating conditions for applying the coupon, details of benefits, and the like, which have been applied to the electronic payment.

Information about stores is managed as store information 176 . FIG. 5 is a diagram showing an example of the contents of the store information 176. As shown in FIG. The store information 176 is, for example, a store ID associated with information such as a store category, location, payment pattern, and the like. The store category may be one-level information, or may be information having a hierarchical structure of two or more levels. For example, information such as "Japanese food", "restaurant", and "restaurant" may be given as a superordinate concept of "sushi" shown in the figure. The location may be represented by hierarchical code information such as JIS code. The payment pattern is information indicating which of pattern 1 and pattern 2 described above can be used for payment.

The payment processing unit 124 refers to the attached coupon information in the user information 172 when performing payment processing, and if the store ID, payment time period, payment amount, etc. indicated in the payment information meet the conditions of the coupon, , perform payment processing using coupons. Details of the coupon will be described later.

The information management unit 128 creates new records of the user information 172 and the shop information 176 based on the information acquired from the user terminal device 10, and updates each data item in the created records.

[Gift coupon]
The coupon granting unit 126 performs processing for granting coupons to users. A coupon is defined in advance as a percentage of processing in electronic payment or a predetermined amount that is discounted from the payment amount or that is cashed back to the charge balance. Also, the coupon may be a right to receive predetermined goods or the like at the time of electronic payment.

Coupons include, for example, two types of coupons: general coupons and specific coupons. For example, the coupon granting unit 126 provides, as the specific coupon, a coupon different from general coupons provided regardless of the user's electronic payment history. For example, general coupons may be posted on the coupon list screen of the payment application 20, and may be set by the store or set by the operator of the electronic payment service. Further, general coupons may be given when an operation including following a store is performed, or may be given automatically. In the following description, the term "store operator" includes general managers of chain stores.

FIG. 6 is a diagram showing an example of the top screen IM1 of the payment application 20 before transitioning to the coupon list. On the top screen IM1, an area A1 containing code images such as barcodes and QR codes (registered trademark) used for smartphone payments, and icons for instructing major operations in smartphone payments such as charging and scanning are set. and an area A3 where various icons are set for instructing various service settings in the electronic payment service. An icon IC1 for transitioning to the coupon list screen is set in the area A3. When the user operates the icon IC1, a coupon list screen displaying the contents of each coupon is displayed.

FIG. 7 is a diagram showing an example of the coupon list screen IM2. In the coupon list screen IM2, an area A4 that lists popular brands and an area A5 that lists shops (stores) that the user is following are set. An icon IC3 for transitioning to the (my coupon) list screen is set. The list screen of my coupons also includes specific coupons acquired by the user's operation.

On the other hand, the notification screen of the specific coupon is presented to the user in a form included in the payment completion screen displayed by the user terminal device 10 upon receipt of the notification from the payment server 100 when the electronic payment is completed. FIG. 8 is a diagram showing an example of the settlement completion screen IM3. The payment completion screen IM3 includes, for example, an area A6 that displays information about the store where the electronic payment was most recently made, an area A7 that displays the payment amount and the like, and a specific coupon notification screen, which can be operated by the user. Including icon IC3 and the like. By operating the icon IC3, the specific coupon becomes available for the user, and its contents are displayed on the My Coupon list screen. In the settlement completion screen, the icon IC3 displays, for example, the wording "additional 10% discount". This means that, for example, a 5% discount is set as a general coupon by the same store, and a total discount of 15% is obtained by using the specific coupon. Instead of this, when a 5% discount, for example, is set as a general coupon, the same wording "15% discount" may be displayed. In this way, the coupon granting unit 126 may provide a coupon with a greater benefit than a general coupon as the specific coupon. If a general coupon is not set, the icon IC3 may simply display a message such as "10% discount".

Information related to coupon setting is defined by the coupon setting information 178, and the coupon applying unit 126 performs processing while referring to the coupon setting information 178. FIG. Information related to coupons set by the store in the coupon setting information 178 is registered when the store manager performs an input operation on an interface for the store manager operating in the second store terminal device 70 . FIG. 9 is a diagram showing an example of the contents of the coupon setting information 178. As shown in FIG. In the figure, the store indicated by store ID = 001 has a general coupon of "5% discount" and a specific coupon of "plus 10% discount (on general coupon)", and the store indicated by store ID = 002. does not set a general coupon but sets "10% discount" as a specific coupon, and the store indicated by store ID = 003 sets "goods offer" as a general coupon and sets a specific coupon not. A set of stores (for example, a shopping street) indicated by store IDs=005, 007, and 025 do not set general coupons, but set "15% discount" as common and specific coupons.

[Coupon Granting Decision]
Whether or not to give the specific coupon may be determined based on the user's electronic payment history (payment history information) instead of being given at random. For example, when the user's electronic payment history satisfies a predetermined condition, the coupon provision unit 126 causes the user terminal device 10 to display the notification image of the specific coupon in the payment completion screen. If so, give the user a specific coupon.

The predetermined conditions are, for example, (1) the user related to the payment information (hereinafter referred to as the user of interest) at the physical store where the payment information was most recently acquired (hereinafter referred to as the first physical store) , there is a history of making electronic payments using the electronic payment service within a predetermined period of time in the past. For example, the coupon provision unit 126 determines that the history of electronic payment with the store ID included in the payment information is included in the information related to the user of interest in the user information 172, and that the history is within a predetermined period (for example, 1 within a year), it is determined that the predetermined condition is satisfied. Note that "at the first physical store" may be read as "at the chain store to which the first actual store belongs". For example, the predetermined condition is (2) that the user of interest has a history of making electronic payments using the electronic payment service within a predetermined period of time at a chain store to which the first physical store belongs. good. In this way, for example, when the user uses the same chain store as usual while traveling, the specific coupon can be obtained in the same manner as when the user repeatedly uses the same first physical store.

Further, the predetermined conditions are (3) that the user of interest has a history of making electronic payments using the electronic payment service at the first physical store within a predetermined period of time in the past; and that at least one of them is satisfied. The living area refers to an area that is likely to exist on a daily basis, such as the user's home, place of work, or school. Information on living areas is managed by living area information 180 . The living area information 180 is information in which, for example, the user ID is associated with living area area information for each living time zone such as nighttime or daytime (or regardless of the living time zone). The living area area information may be information represented by administrative divisions such as municipalities, or may be information represented in detail based on road structures or the like. Based on the store ID included in the payment history information and the location included in the store information 176, the coupon granting unit 126 (or the living area estimation unit not shown) determines the place where the electronic payment was made for each life time zone. are extracted, and based on the distribution of the extracted locations, areas where the user is likely to exist are identified, and those areas are estimated to be living areas and registered in the living area information 180 . In addition, the coupon granting unit 126 may register information obtained by receiving location information uploaded from the payment application 20 and accumulating it in the living area information 180 . In this case as well, "at the first actual store" may be read as "at the chain store to which the first actual store belongs". For example, the predetermined condition is (4) that the user of interest has a history of making electronic payments using the electronic payment service at a chain store of the first physical store within a predetermined period of time in the past; is within the living area of the user, and at least one of the conditions may be satisfied. "The first physical store is within the user's living area" in the predetermined condition may mean that it is within the living area regardless of the living time zone, or that it is within the living area that matches the living time zone. may mean that

Further, the predetermined condition may be a condition regarding whether or not a normal coupon is used in the case where the user of interest recently made an electronic payment and the shop related to the electronic payment issues a normal coupon. In this case, the predetermined condition may be (5) that the store related to the electronic payment has issued a regular coupon in the most recent electronic payment, and that the regular coupon has been used. (6) In the most recent electronic payment, the shop related to the electronic payment has issued a regular coupon, and the regular coupon may not be used. In the case of (5), by omitting the presentation of a specific coupon to a user who has little habit of using coupons, the user's annoyance can be reduced, and in the case of (6), a normal coupon It is possible to promote the use of the coupon by presenting the specific coupon again to the person who did not notice.

[Processing flow]
FIG. 10 is a flowchart showing an example of the flow of processing related to determination of coupon provision, which is executed by the coupon provision unit 126. As shown in FIG. The processing of this flowchart is premised on the predetermined condition (3) above, and is executed each time new payment information is acquired by the payment information acquisition unit 120 .

First, the coupon granting unit 126 searches for the user information 172 using the user ID of the user of interest included in the payment information (S1). Next, the coupon granting unit 126 determines whether or not the information extracted in S1 includes a history of electronic payment to which the same shop ID as the shop ID included in the payment information exists within a past predetermined period. Determine (S2).

If a negative determination result is obtained in S2, the coupon provision unit 126 determines whether the location of the physical store (that is, the first physical store) indicated by the store ID included in the payment information is the user ID included in the payment information. It is determined whether or not it is within the living area of the indicated user (S3).

If a positive determination result is obtained in either S2 or S3, the coupon provision unit 126 causes the user terminal device 10 to display the specific coupon notification screen in the settlement completion screen (S4).

Here, the case where a positive determination result is obtained in S2 represents a scene in which the user of interest uses the same first physical store without much time. In such a scene, it can be said that there is a high possibility that the user of interest will use the same first physical store on another occasion. Therefore, by providing a specific coupon different from a general coupon, the possibility that the specific coupon is used and the first physical store is used again increases, and it is possible to effectively provide the coupon to the first physical store. can.

In addition, the case where a positive determination result is obtained in S3 represents a scene in which the user of interest used the first physical store for the first time or after a long interval. Although it is not likely that the first physical store will be used, the first physical store is within the daily living area of the user of interest. motivation can be aroused. As a result, the coupon can be effectively given to the first physical store.

If a negative determination result is obtained in both S2 and S3, the coupon provision unit 126 does not display the specific coupon notification screen on the user terminal device 10 (S5). In this case, the coupon providing unit 126 includes, for example, a notification image of an alternative coupon prepared by the operator of the electronic payment service, a link image to the coupon list screen, other advertisement images, etc. 10 may be displayed.

According to the first embodiment described above, in the electronic payment service provided in cooperation with the payment application 20, coupons can be presented to the user with good timing.

In the above explanation, the specific coupon exclusively for the first physical store is displayed on the user terminal device 10 by including it in the settlement completion screen. It may be included in the screen and displayed on the user terminal device 10 . In other words, when a predetermined condition is satisfied, the user terminal device 10 may display a general coupon related to the first physical store, including it in the settlement completion screen. The same applies to the second embodiment described below.

<Second embodiment>
A second embodiment will be described below. In the first embodiment, the coupon of the first physical store itself is given exclusively as the specific coupon, but in the second embodiment, the coupon of another store can be given as the specific coupon.

FIG. 11 is a configuration diagram of a settlement server 100A according to the second embodiment. The settlement server 100A of the second embodiment further includes an adjustment processing unit 130 as compared with the settlement server 100 of the first embodiment. Also, the function of the coupon granting unit 126A and the content of the coupon setting information 178A are different from the function of the coupon granting unit 126 and the content of the coupon setting information 178 of the first embodiment. These differences will be mainly described below.

Information related to coupon setting is defined by the coupon setting information 178A, and the coupon applying unit 126 performs processing while referring to the coupon setting information 178A. Information related to the coupon set by the store in the coupon setting information 178A is registered when the store manager performs an input operation on the interface for the store manager operating in the second store terminal device 70 .

FIG. 12 is a diagram showing an example of the contents of the coupon setting information 178A. When compared with the coupon setting information 178 of the first embodiment, the coupon setting information 178A specifies that a coupon for a store other than the own store (hereinafter referred to as a second physical store) is to be issued as a specific coupon. is included. In the example of FIG. 12, the store (first physical store) indicated by store ID=004 issues a coupon for the store (second actual store) indicated by store ID=002 as a specific coupon. It is set by the operator of the store indicated by 004 (first actual store).

When the electronic payment is made at the first physical store and the payment information is acquired, the coupon granting unit 126A includes in the payment completion screen of the electronic payment at the first physical store based on the coupon setting information 178A, The user terminal device 10 is caused to display the notification image of the specific coupon related to the second physical store. According to the example of FIG. 12, when the electronic payment is made at the store indicated by the store ID=004 and the payment information is acquired, the coupon provision unit 126A performs the electronic payment at the store indicated by the store ID=004. is included in the settlement completion screen, and the user terminal device 10 displays the notification image of the specific coupon related to the store indicated by the store ID=002.

Regarding the method of selecting the second physical shop, the second physical shop may be selected by the input operation of the operator of the first physical shop as described above, or the second physical shop may be selected by another method. . For example, a setting such as "another store (leave it to the settlement server)" may be set as the setting of the specific coupon in the coupon setting information 178A. In this case, the coupon granting unit 126A may randomly select the second physical store from stores close to the first physical store, or may refer to the living area information 180 to narrow down the second physical stores. good. For example, the living area information 180 may be referenced to select a second physical store located in an area estimated to be on the way home from the first physical store. FIG. 13 is a diagram for explaining a method of selecting the second physical store. As illustrated, the coupon setting information 178A includes, for example, the living area that is closest to the first physical store (or that it is estimated that there is the highest possibility of going there in consideration of the living hours) as the living area information. 180, the stores in it may be extracted as candidates for the second actual store, and the second actual store may be selected from among the candidates for the second actual store. At this time, the coupon setting information 178A acquires the required time required for moving from the first actual store to the second actual store by a known method, and sets a time-limited coupon with a time limit slightly longer than the required time as the specified coupon. , may be given to the user of interest. For example, if the required time is three hours, a time-limited coupon with a time limit of about four hours may be given to the user of interest as a specific coupon. Further, when the coupon granting unit 126A selects the second physical store, the same store category (arbitrary hierarchy) as the first physical store may not be selected.

The adjustment processing unit 130 displays the notification image of the specific coupon related to the second physical store on the payment completion screen corresponding to the electronic payment at the first physical store, and the user moves to the second physical store while the notification image is operated. When the electronic payment is made at the store, the operator of the second actual store pays the customer referral fee to the operator of the first actual store. FIG. 14 is a diagram conceptually showing the flow of referral to other stores and adjustment processing.

In this case, when the second physical store is selected by the operator of the first physical store, the adjustment processing unit 130 determines that the higher the popularity of the second physical store, which is represented by the number of electronic payments, for example, , the customer referral fee may be set low. Further, the adjustment processing unit 130 may present a customer referral fee for each store that is a candidate for the second physical store in the interface for the store operator operating on the second store terminal device 70 .

According to the second embodiment described above, in addition to having the same effect as the first embodiment, it is possible to activate the economy by mutual referral of customers in the economic zone of electronic payment of actual stores.

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.

10 User terminal device 20 Settlement application 50 First store terminal device 60 Store code image 70 Second store terminal device 100, 100A Settlement server 120 Settlement information acquisition unit 122 Settlement content providing unit 124 Settlement processing unit 126, 126A Coupon giving unit 128 Information management unit 130 Adjustment processing unit 170 Storage unit 172 User information 174 Payment content information 176 Store information 178, 178A Coupon setting information 180 Living area information

Claims (9)

A payment service providing device that cooperates with a payment application that operates on a user terminal device to allow a user to perform electronic payment at a physical store,
a payment information acquiring unit that acquires payment information of a user and includes information of a physical store where electronic payment is made;
With reference to the information of the physical store included in the payment information, the notification image of the coupon that can be used at the first physical store where the electronic payment was most recently made is displayed at the electronic payment settlement at the most recent first physical store. A coupon giving unit that is included in a completion screen and displayed on the user terminal device;
with
The coupon providing unit provides, as the coupon, a specific coupon with a higher discount rate than general coupons provided regardless of the user's electronic payment history, and stores information on issued coupons for each physical store. When the specified coupon and the general coupon overlap, a coupon obtained by adding the discount rates of both is applied to the user, and the added discount rate is displayed on the user terminal device. ,
Settlement service providing device. The payment information further includes payment amount information and user identification information that can be recognized,
further comprising a payment processing unit that performs electronic payment based on the payment information;
The coupon providing unit includes the notification image of the coupon in the payment completion screen of the most recent electronic payment when the electronic payment history of the user, which is the history of processing by the payment processing unit, satisfies a predetermined condition. to display on the user terminal device,
The predetermined condition is that there is a history of making electronic payments within a predetermined period in the past at the first physical store.
The settlement service providing device according to claim 1. The payment information further includes payment amount information and user identification information that can be recognized,
further comprising a payment processing unit that performs electronic payment based on the payment information;
The coupon providing unit includes the notification image of the coupon in the payment completion screen of the most recent electronic payment when the electronic payment history of the user, which is the history of processing by the payment processing unit, satisfies a predetermined condition. to display on the user terminal device,
The predetermined condition is that a chain store to which the first physical store belongs has a history of making electronic payments within a predetermined period of time in the past.
The settlement service providing device according to claim 1. When the predetermined coupon setting information prescribes issuing a coupon for a store other than the own store, the coupon granting unit includes the coupon on the payment completion screen for electronic payment at the first actual store, 2 display a notification image of a coupon that can be used at the actual store on the user terminal device;
4. The settlement service providing device according to any one of claims 1 to 3 . The coupon providing unit includes a notification image of a coupon that can be used at the second physical store whose store category is different from that of the first physical store, and includes it in a payment completion screen for electronic payment at the first physical store. be displayed on the user terminal device,
5. The settlement service providing device according to claim 4 . The coupon granting unit includes a time limit that is slightly longer than the time required to move from the first physical store to the second physical store, and includes the electronic payment settlement completion screen at the first physical store. displaying, on the user terminal device, a notification image of a time-limited coupon that can be used at the second physical store;
6. The settlement service providing device according to claim 4 or 5 . When the user performs electronic payment at the second physical store while the notification image of the coupon that can be used at the second physical store is operated, the operator of the second physical store Further comprising an adjustment processing unit that performs processing for making the store operator pay the customer referral fee,
7. The settlement service providing apparatus according to any one of claims 4 to 6 . A payment service providing device that cooperates with a payment application running on a user terminal device to allow a user to make electronic payment at a physical store,
Acquisition of payment information, which is the payment information of the user and includes the information of the physical store where the electronic payment was made,
With reference to the information of the physical store included in the payment information, the notification image of the coupon that can be used at the first physical store where the electronic payment was most recently made is displayed at the electronic payment settlement at the most recent first physical store. including it in the completion screen and displaying it on the user terminal device,
providing, as the coupon, a specific coupon with a higher discount rate than a general coupon provided regardless of the user's electronic payment history;
Referring to information storing information on issued coupons for each physical store, if the target of the specific coupon and the general coupon overlap, the coupon obtained by adding both discount rates is applied to the user, and the added discount rate is applied to the user. display the discount rate on the user terminal device;
Method of providing payment services. A processor of a payment service providing device that cooperates with a payment application that operates on the user terminal device to allow the user to make electronic payment at a physical store,
Acquiring payment information of the user, including information on the physical store where the electronic payment was made,
With reference to the information of the physical store included in the payment information, the notification image of the coupon that can be used at the first physical store where the electronic payment was most recently made is displayed at the electronic payment settlement at the most recent first physical store. including it in the completion screen and displaying it on the user terminal device
providing, as the coupon, a specific coupon with a higher discount rate than a general coupon provided irrespective of the user's electronic payment history;
Referring to information storing information on issued coupons for each physical store, if the target of the specific coupon and the general coupon overlap, the coupon obtained by adding both discount rates is applied to the user, and the added discount rate is applied to the user. display the discount rate on the user terminal device,
program.

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