JP7366313B1 - Service provision equipment, service provision method, and program - Google Patents

Abstract

The present invention provides a service providing device, a service providing method, and a program that can promote the use of electronic payment services by users. [Solution] Use of an electronic payment service in which a first payment method and a second payment method whose fund source is different from the first payment method among multiple payment methods that can be selected in electronic payment are available. a management unit that manages historical information regarding payments made by the person using the first payment method or the second payment method; and a management unit that manages historical information regarding payments made by the user using the first payment method or the second payment method, and determines the granting rate of benefits granted to users of the electronic payment service based on the historical information. a benefit granting rate determination unit, the benefit granting rate determining unit determines the number of times the user has paid using the first payment method in a predetermined period, and the number of times the user has paid using the second payment method in the predetermined period. A service providing device that determines a grant rate of benefits to be applied to a user after expiration of a predetermined period based on the total number of payments. [Selection diagram] Figure 4

Description

Article 30, Paragraph 2 of the Patent Act applies Website publication date: November 1, 2022 Website URL https://paypay. ne. jp/notice/20221101/f-paypaystep/

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

Conventionally, benefits have been granted according to the user's achievement status during a target period (for example, see Patent Document 1). Further, conventionally, a technology has been disclosed in which the payment method used in electronic payment at a store can be switched between payment by deferred payment and payment by charge balance (for example, see Patent Document 2).

Patent No. 6774543 Patent No. 7142798

However, although the method of awarding benefits according to the above-mentioned conventional technology can promote purchasing behavior of users, it may not be possible to promote the use of electronic payment services.

The present invention has been made in consideration of such circumstances, and one of the objects is to provide a service providing device, a service providing method, and a program that can promote the use of electronic payment services by users. Let's do one.

One aspect of the present invention is an electronic payment method in which a first payment method and a second payment method using a different fund source from the first payment method are available among a plurality of payment methods that can be selected in electronic payment. A management unit that manages the history information of the electronic payment made by the user of the payment service using the first payment method or the second payment method; a benefit granting rate determination unit that determines a granting rate of benefits granted to users of the payment service, and the benefit granting rate determining unit determines whether the user has paid by the first payment method in a predetermined period. and the number of payments made by the user using the second payment method during the predetermined period. Based on the total number of payments, the award rate of the benefit to be applied to the user after the expiration of the predetermined period is determined. It is the service providing device that determines.

According to one aspect of the present invention, it is possible to provide a service providing device, a service providing method, and a program that can encourage users to use electronic payment services.

1 is a diagram illustrating an example of a configuration for realizing an electronic payment service. FIG. 1 is a sequence diagram (Part 1) illustrating the general flow of electronic payment. FIG. 2 is a sequence diagram (Part 2) illustrating the general flow of electronic payment. FIG. 1 is a configuration diagram of a payment server 100 according to a first embodiment. 3 is a diagram showing an example of the contents of user information 172. FIG. It is a diagram showing an example of the contents of member store/store information 176. FIG. 3 is a diagram conceptually illustrating each process of terminal payment and card payment. FIG. 3 is a diagram illustrating an example of the contents of card payment setting information 272. It is a flowchart which shows an example of the flow of update processing of a point grant rate. It is a figure showing an example of operation of point award rate update processing.

DESCRIPTION OF THE PREFERRED EMBODIMENTS Embodiments of a service providing device, a service providing method, and a program according to the present invention will be described below with reference to the drawings.

The application program, the payment server, and the affiliated credit card company server cooperate to provide electronic payment services. In the following description, the application program will be referred to as a payment application. Further, the combination of the payment server and the affiliated credit card company server may be referred to as a payment management system. An electronic payment service is a service that supports payments for purchases of products and services at stores. A store is, for example, a physical store (actual store) that exists in real space, but may also include a virtual store for electronic commerce. Virtual stores may include those provided by entities different from the operator of the electronic payment service. In this case, when paying for shopping at the virtual store, the screen is controlled to transition to an interface screen of the electronic payment service. In an electronic payment service, a store is treated as belonging to a member store (brand), for example, and processing such as payment when a purchase is made at a store is mainly performed between a user and the member store. Alternatively, processing such as payment may be performed between the user and the store.

[Electronic payment service]
FIG. 1 is a diagram illustrating an example of a configuration for realizing an electronic payment service. The electronic payment service is realized mainly by the payment server 100 and the affiliated credit card company server 200. The payment server 100, for example, communicates with each of one or more user terminal devices 10, one or more first store terminal devices 50, one or more credit processing terminals 55, and one or more second store terminal devices 70 via the network NW. to communicate. The network NW includes, for example, the Internet, a LAN (Local Area Network), a wireless base station, a provider device, and the like.

The user terminal device 10 is, for example, a portable terminal device such as a smartphone 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, the 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, so that the payment application 20 operates in cooperation with the payment server 100 to provide electronic payment services to the user. The payment application 20 is installed on the user terminal device 10 from an application store, for example, and controls a camera, a communication device, a touch panel, and the like.

The first store terminal device 50 is installed in a store, for example. 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 a product price acquisition function and an 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 paper or plastic medium. Note that the store code image 60 may be displayed on a display (or a display of a terminal device such as a smartphone) placed in the store.

The credit processing terminal 55 is installed in the store similarly to the first store terminal device 50. The credit processing terminal 55 includes, for example, a credit payment terminal (credit card reader) and a POS device. The credit card payment terminal reads the PIN (Personal Identification Number) from the inserted or held credit card (including the affiliated card 57) and compares it with the PIN input by the user, or reads the BIN (Bank identification number) code, etc., to the affiliated credit card company server 200 via the POS device. The POS device cooperates with the credit card payment terminal to transmit information such as the payment amount to the affiliated credit card company server 200. An advance payment agent server (acquirer) may be interposed between the credit processing terminal 55 and the affiliated credit card company server 200. In the following, to simplify the explanation, description of the advance payment agency server will be omitted. The affiliated card 57 is, for example, similar to a commonly used credit card, and has a communication chip embedded in the card base material. The communication chip has a built-in storage medium that stores a PIN, and communicates with an external device via a contactor (or wireless antenna). Alternatively, the affiliated card 57 may be a magnetic card. Affiliated card 57 is an example of a "physical card."

The second store terminal device 70 is used by an operator of a member store. The second store terminal device 70 is a smartphone, a tablet terminal, a personal computer, or the like. In the second store terminal device 70, an interface 72 for member stores operates. The member store interface 72 may be an application for member stores or may be a browser. The member store interface 72 receives coupon settings and the like from the member store operator and transmits them to the payment server 100. The second store terminal device 70, which is a smartphone, has the function of displaying a code image corresponding to the store code image and reading the 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 store terminal device 50. The first store terminal device 50 may include a POS device and a member store server, in which case payment information is transmitted from the POS device to the payment server 100 via the member store server. In the following description, it is assumed that payment information is transmitted from the first store terminal device 50 without making any particular distinction.

The affiliated credit card company server 200 manages affiliated credit card payments that are part of the electronic payment service. The affiliated credit card company server 200 is operated by, for example, a group company (affiliated credit card company) of the payment server 100. The affiliated credit card company may be a separate entity from the external credit card company that provides the credit card as a fund source for charging the charge balance. The affiliated credit card company server 200 stores, for example, authorization data at the time of payment as history information of affiliated credit card payments. Authorization data is electronic data sent from a credit processing terminal to a credit card company's server when making a payment using a credit card. The authorization data includes, for example, information such as a credit card number, payment amount, and payment time.

2 and 3 are sequence diagrams illustrating the general flow of electronic payment. There may be two patterns, pattern 1 and pattern 2, in electronic payment.

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 store code image 60 using an optical reading function (S1). The store code image 60 includes information on a store URL (Uniform Resource Locator). This store URL is the domain of the electronic payment service added with information that can identify the store, and is associated with member store IDs, store IDs, etc. in the payment server 100 (described later). The payment application 20 transmits first payment information including the store URL and account ID to the payment server 100 (S2). The payment server 100 searches for store information (described later) from the member store ID and store ID corresponding to the store URL, obtains the member store name and store name information (S3), and sends the information to the payment application 20 (S4). . The user inputs the payment amount into the user terminal device 10 on the screen on which the member store name and store name are displayed (S5). Then, the user terminal device 10 generates second payment information including at least the payment amount and transmits it to the payment server 100 (S6). The payment server 100 performs electronic payment based on the received second payment information (S7). Then, the payment server 100 transmits a payment completion notification (information for displaying the payment completion screen) to the payment application 20 (S8), and the payment application 20 displays the payment completion screen (S9). Note that 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 information on the payment amount. In this case, the step for the user to input the payment amount is omitted, and the first payment information includes information on the payment amount and is sent to the payment server 100. Information on the member store name and store name 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 started, when a payment operation is performed on the payment application 20, and when the automatic update timing (for example, every minute) is reached. , 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 sends 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 using an optical reading function and obtains a one-time code, etc. (S15). Then, the first store terminal device 50 generates payment information including a one-time code, payment amount, member store ID, store ID, etc., and transmits it to the payment server 100 (S16). Information on the payment amount is obtained in advance by barcode reading, manual input, etc. The payment server 100 identifies the user corresponding to the one-time code based on the received information and performs electronic payment (S17). Then, the payment server 100 transmits a payment completion notification to the payment application 20 (S18), and the payment application 20 displays a payment completion screen (S19).

Note that electronic payment may be performed using only one of the above patterns. Moreover, the "account ID" explained in FIG. 2 may be other information (for example, a telephone number) that can be used as user identification information. Furthermore, the issuance of a 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 payment server 100 identifies the user corresponding to the account ID instead of identifying the user corresponding to the one-time code.

[Payment server]
FIG. 4 is a configuration diagram of the payment server 100 according to the first embodiment. The payment server 100 includes, for example, a communication section 110, a payment content providing section 120, a payment processing section 130, an information management section 140, and a storage section 170. Components other than the communication unit 110 and the storage unit 170 are realized by, for example, a hardware processor such as a CPU executing a program (software). Some or all of these components are hardware (circuit parts) such as LSI (Large Scale Integration), ASIC (Application Specific Integrated Circuit), FPGA (Field-Programmable Gate Array), and GPU (Graphics Processing Unit). (including circuitry), or may be realized by collaboration between 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 an HDD (Hard Disk Drive) or flash memory, or may be stored in a removable storage device 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 a 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 payment server 100 via a network. The storage unit 170 stores information such as user information 172, payment content information 174, and member store/store information 176.

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

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

The payment processing unit 130 performs payment processing based on the payment information transmitted by 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. 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. Associated information such as usage amount, available amount for deferred payment, terminal payment method, card payment method, affiliated card number, bank account, credit card number, charge history information, payment history information, point award rate, achievement status, etc. It is. The user URL is used for remittance processing between users. When registering for a new electronic payment service, it is mandatory to register a phone number and password. The account ID is issued to the user by the payment server 100, and the user ID is an ID that can be arbitrarily set (or does not need to be set) by the user. Similarly, e-mail address, name, address, and date of birth are information that can (or does not need to be) set arbitrarily by the user. The registration date is the date the user registered with the electronic payment service (the date the account was created). Hereinafter, the user instance (electronic payment account) to which this information is associated 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 business (bank), remittance from a registered bank account, etc. The deferred payment setting is information indicating whether the settings for enabling electronic payment by deferred payment have been completed, and is set to either "completed" or "not yet". The deferred payment setting is flag information common to "terminal payment" and "card payment" which will be described later. A user who can use deferred payment for terminal payment is a user who has been given an affiliate card 57. Note that instead of this, the deferred payment setting may be setting information that is set separately for "terminal payment" and "card payment". The terminal payment method is setting information that indicates whether the user performs electronic payment using the charge balance or deferred payment in "terminal payment." The card payment method is setting information that indicates whether the user performs electronic payment using the charge balance or deferred payment in "card payment." The card payment method is synchronized in real time with the affiliated credit card company server 200. The affiliated card number is the number of the affiliated card 57 (for example, PAN (Primary Account Number)). The bank account and credit card number are each information about a bank account or credit card number (account number, card number) that can be used to deposit money into the electronic payment service. This credit card number is a number of a credit card different from the affiliated card 57. The charging history information is a history of the user increasing the charging balance by remitting money to the electronic payment service in advance. The payment history information is information that shows the details of the payments made by the user (date and time, store ID of the store where the purchase was made, payment amount, payment method, etc.) for each payment. In the payment history information, the history of payment by charge balance payment, the history of payment by deferred payment, and the history of payment by credit card payment are managed in a distinguishable manner. Here, the charge balance payment is an example of the "first payment method." Further, deferred payment or credit card payment is an example of a "second payment method."

The point award rate is the award rate of points that are returned to the user when paying by electronic payment, depending on the usage status of the electronic payment service. Further, the achievement status is information indicating the status of achievement of the conditions for receiving the benefit (hereinafter referred to as "benefits application conditions") regarding the point award rate. The achievement status is updated at any time according to the usage status of the electronic payment service by the user, and the point award rate is updated every predetermined period according to the achievement status for the period. The achievement status is divided into the first achievement status and the second achievement status for each payment method, depending on the usage status of each payment method (here, charge balance payment, deferred payment, and credit card payment) that can be used with the electronic payment service. Achievement status is managed. The point award rate for each payment method is determined according to each achievement status. For example, the point award rate is determined according to the current month's achievement status. The first achievement status is the achievement status of the first benefit application condition, and the second achievement status is the achievement status of the second benefit application condition. Here, we will exemplify a case where two achievement statuses are managed according to two benefit application conditions, but the number of benefit application conditions and achievement statuses managed correspondingly may be one, or three. It may be more than that. Here, points are an example of "benefits." The method for determining the point award rate in this embodiment may be applied to determining the award rate of other benefits for which the award rate can be defined. Note that in the item of point award rate in the figure, the percentage in parentheses represents an example of the base point award rate for each payment method.

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

The information management unit 140 manages user information 172 and member store/store information 176 based on information acquired from the user terminal device 10 and the second store terminal device 70. The information management unit 140 adds, edits, deletes, etc. new records for the user information 172 and member store/store information 176. The information management function by the information management unit 140 includes the above-described point award rate update process and achievement status update process. The information management section 140 is an example of a "management section" and a "privilege award rate determination section."

Here, terminal payment and card payment will be explained. FIG. 7 is a diagram conceptually showing each process of terminal payment and card payment. As explained below, electronic payment services include (1) terminal payment/payment by charge balance, (2) terminal payment/payment by deferred payment, (3) card payment/payment by charge balance, (4) card payment/payment by charge balance. Four types of electronic payments can be made: deferred payment.

[Terminal payment]
(1) When the payment server 100 (payment processing unit 130) acquires payment information from the user terminal device 10 or the first store terminal device 50, terminal payment is started. The payment server 100 refers to the user information 172 and obtains the "terminal payment method" of the user. The payment server 100 performs electronic payment through its own processing for users whose "terminal payment method" is set to "charge balance." In this case, the payment processing unit 130 performs electronic payment by decreasing the charge balance managed in association with the user ID and increasing the item value of the member store's sales proceeds. For example, the item value of the sales proceeds of a member store is not used as electronic money itself, but the amount corresponding to the item value of the sales proceeds is determined in a cycle according to the agreement between the member store and the electronic payment service. Money will be transferred to your bank account.

(2) In terminal payment, the payment server 100 provides payment information regarding the user whose "terminal payment method" is set to "deferred payment" together with the affiliated card number of the user obtained by referring to the user information 172. is transferred to the affiliated credit card company server 200. The affiliated credit card company server 200 checks whether the cumulative payment amount indicated by the payment information does not exceed the upper limit for the current month, and if it does not exceed the upper limit, the acquired payment amount is used as the cumulative payment amount for the user. Perform processing such as adding to . For example, the cumulative amount of payment for one month is paid by debiting a bank account on the next month's payment date.

[credit card payment]
(3) When the affiliated credit card company server 200 acquires payment information from the credit processing terminal 55, electronic payment (card payment) using the affiliated card 57 is started. The payment information here may include part or all of the "card information" read from the affiliated card 57 by the credit processing terminal 55. Affiliated credit card company server 200 refers to card payment setting information 210 stored in a storage unit (not shown). FIG. 8 is a diagram showing an example of the contents of the card payment setting information 210. The card payment setting information 210 is information in which information unique to a user (for example, PAN), a card payment method, and an account ID of the user are associated with each other. The card payment method and account ID are the same information included in the user information 172 in FIG. 5, and are synchronously linked with the payment server 100. The affiliated credit card company server 200 sends payment information for a user whose "card payment method" is set to "charge balance" together with the user's account ID obtained by referring to the card payment setting information 210. Transfer to server 100. Based on the acquired payment information, the payment server 100 performs the same process as when the "terminal payment method" is set to "charge balance" in terminal payment.

(4) In card payment, the affiliated credit card company server 200 performs electronic payment through its own processing for users whose "card payment method" is set to "deferred payment." In this case, the affiliated credit card company server 200 performs the same process as when the "terminal payment method" is set to "deferred payment" in terminal payment.

Switching between "charge balance" and "deferred payment" in each of "terminal payment" and "card payment" is performed according to the user's operation on the payment application 20. The payment application 20 has an interface screen for selecting a payment method between "charge balance" and "deferred payment" (or other payment method) in "terminal payment" and a "charge balance" and "charge balance" in "card payment". An interface screen for selecting one of the payment methods for "deferred payment" (or other payment methods) is separately provided to the user.

The above-mentioned "terminal payment" is an example of a payment method realized by the "first means", and "card payment" is an example of a payment method realized by the "second means".

[Point award rate update process]
FIG. 9 is a flowchart illustrating an example of the process of updating the point award rate. The payment server 100 updates the point award rate for each user by executing the processing flow shown in FIG. 9 for each user. Here, for the sake of simplicity, a typical example will be described in which the update cycle of the achievement status is one day and the update cycle of the point award rate is January, but each update cycle is not limited to this. The timing of updating the achievement status may be any timing as long as the necessary past performance is reflected in the timing of updating the point award rate.

First, the information management unit 140 determines whether the timing for updating the achievement status (for example, daily) has arrived (S201). Here, if it is determined that the timing to update the achievement status has arrived, the information management unit 140 acquires terminal payment history information and card payment history information in order to update the achievement status (S202). The terminal payment history information is obtained from the user information 172 stored in the storage unit 170 of the payment server 100. Further, card payment history information is acquired from the affiliated credit card company server 200. As described above, for example, authorization data is acquired as card payment history information.

Subsequently, the information management unit 140 aggregates each acquired history information and updates the achievement status of each benefit application condition (S203). Here, the achievement status is expressed by a value that is used to determine whether the benefit application condition has been achieved or not. The achievement status may be represented by a determination result as to whether the benefit application condition has been achieved or not. For example, it is assumed that the payment server 100 of this embodiment manages the achievement status of the following two benefit application conditions. This achievement status update process is performed for each user.

(First benefit application condition)
Among the electronic payments made in the current month using either the payment application 20 (terminal payment) or the affiliated card 57 (card payment), the number of electronic payments for which the payment amount is a predetermined amount or more (hereinafter referred to as the "valid number"). ) must be greater than the specified number. The electronic payments counted in the valid number are not limited to those made by a specific payment method.

(Second benefit application conditions)
For the current month's payments, the total amount paid using electronic payment services (settlement amount) must be equal to or greater than the specified amount. Similar to the first benefit application condition, the electronic payments counted in the total payment amount here are not limited to those made by a specific payment method.

In this case, in order to determine the achievement status of the first benefit application condition, the information management unit 140 first selects electronic payments whose payment amount is a predetermined amount or more from each payment history (terminal payment and card payment) for the current month. Extract each payment method and calculate the number of cases (valid number). Subsequently, the information management unit 140 totals the number of valid payments for each payment method, and determines whether the total number is equal to or greater than a predetermined number. The information management unit 140 determines the first achievement status as "achieved" if the total number is equal to or greater than the predetermined number, and determines the first achievement status as "unachieved" if the total number is less than the predetermined number. do.

In addition, in order to determine the achievement status of the second benefit application condition, the information management unit 140 first pays the total amount of payment by electronic payment based on the payment history of the current month (terminal payment and card payment). Calculate each method. Next, the information management unit 140 totals the total amount of payment calculated for each payment method, and if the total amount is equal to or greater than a predetermined amount, the information management unit 140 determines that the second achievement status is "achieved" and calculates the total amount. is less than the predetermined amount, the second achievement status is determined to be "unachieved".

Subsequently, the information management unit 140 determines whether the timing for updating the point award rate (for example, monthly) has arrived (S204). Here, if it is determined that the timing to update the point award rate has arrived, the information management unit 140 calculates the point award rate for the next month for each user for each payment method based on the latest achievement status updated in S201 to S203. It is determined (S205). More specifically, the information management unit 140 determines the point award rate for each payment method by adding an increment according to the achievement status to the base point award rate determined for each payment method.

On the other hand, if it is determined in S201 that the timing to update the achievement status has not arrived, or if it is determined in S205 that the timing to update the point award rate has not arrived, the information management unit 140 performs steps S202, S203, and S205. Skip and end the series of processing flows.

FIG. 10 is a diagram illustrating an example of the operation of the point award rate update process. In this example, the first benefit application condition is that the electronic payment amount to be counted as the number of valid transactions is 300 yen or more, and the total number of valid transactions for each payment method is 30 or more. This is an example when it is set as an achievement condition. Further, this example is an example where an increase of 0.5% is added to the base point award rate by achieving both the first benefit application condition and the second benefit application condition. Here, as an example, the base point grant rate for charge balance payment is 0.5%, the base point grant rate for deferred payment is 1.0%, and the base point grant rate for credit card payment is 1.0%. However, the base point award rate may be set arbitrarily. Further, the base point award rate may be determined so as to be different for each user based on another index different from the benefit application conditions. Here, 300 yen, which is the lower limit of the electronic payment amount to be included in the number of valid transactions, is an example of the "first amount." Further, 100,000 yen, which is the lower limit of the total payment amount that is a condition for achieving the second benefit application condition, is an example of the "second amount".

In the example of FIG. 10, the first achievement status of user A during the target period is that the number of valid payments made through charge balance payment is 10, the number of valid payments made through deferred payment is 0, The number of valid payments made by credit card is 0. That is, in this case, since the total number of cases is 10, which is less than the achievement condition of 30, it is determined that user A does not satisfy the first benefit application condition.

On the other hand, in the example of Figure 10, the second achievement status of user A during the target period is that the total amount paid by charge balance payment is 20,000 yen, the total amount paid by deferred payment is 0 yen, and the total amount paid by credit card payment is 20,000 yen. The total amount is 0 yen. That is, in this case, the total payment amount is 20,000 yen, which is less than the achievement condition of 100,000 yen, so it is determined that user A does not satisfy the second benefit application condition.

In this way, in the example of FIG. 10, since user A does not satisfy either the first benefit application condition or the second benefit application condition, no increment is added to the base point award rate. . Therefore, user A's point award rate for the next month remains the same as the base point award rate.

On the other hand, in the example of FIG. 10, since users B and D satisfy both the first benefit application condition and the second benefit application condition, the base point award rate of each payment method is increased by 0. The value added by .5% is determined as the next month's point award rate.

On the other hand, in the example of FIG. 10, user C satisfies the second benefit application condition but does not meet the first benefit application condition, so like user A, the base points are awarded. No increment is added to the rate. Therefore, similarly to user A, user C's point award rate for the next month also remains the same as the base point award rate.

According to the embodiment described above, it is possible to change the award rate of points returned at the time of electronic payment according to the usage status of the electronic payment service, thereby promoting the use of the electronic payment service by users. can.

<Modified example>
In the above embodiment, a case has been described in which a benefit is granted to a user who satisfies both the first benefit application condition and the second benefit application condition, but whether or not a benefit is granted is determined by another criterion. It may be determined by For example, the payment server 100 may be configured to determine that a user who satisfies at least one of the first benefit application condition and the second benefit application condition is eligible for benefit provision. Further, the payment server 100 may be configured to add a first increment when the first benefit application condition is achieved, and add a second increment when the second benefit application condition is achieved. good. The first increment and the second increment may be set to the same increment value, or may be set to different increment values. Further, the increment value may be a fixed value or a variable value. For example, the increment value may be determined for each user according to each user's usage status of the electronic payment service.

Furthermore, in the above embodiment, a case has been described in which a uniform increment is added to the base point award rate for each payment method depending on the achievement status of the benefit application conditions, but the payment server 100 may be configured to add different increments to . Further, the payment server 100 may be configured to determine whether to add an increment based on the usage status of each payment method. Further, the payment server 100 may be configured to determine whether a benefit is applicable for each payment method based on a plurality of benefit application conditions provided for each payment method.

Furthermore, in the above embodiment, a case has been described in which the applicability of benefits is determined based on the usage status of both terminal payment and card payment. It may be configured to determine whether or not a benefit is applicable based on one usage status.

The benefit application conditions may be a combination of conditions regarding one or more of the payment amount, the number of payments, and the total payment amount for terminal payment and/or card payment. Further, the benefit application conditions may be a combination of conditions based on whether or not at least deferred payment has been used among payment methods such as charge balance payment, deferred payment, and credit card payment regarding terminal payment and/or card payment. Further, the condition based on the presence or absence of a usage record may require a predetermined number or more of usages.

The payment server 100 may provide electronic payment services using payment methods other than charge balance payment, deferred payment, and credit card payment, either by its own functions or in cooperation with other servers (for example, a bank server). If possible, the point award rate may be determined based on the benefit application conditions based on the usage status of the other payment method. Other payment methods may include so-called debit payments, in which the amount is withdrawn directly from a bank account.

In the embodiment described above, a case has been described in which the payment server 100 and the affiliated credit card company server 200 are operated by different businesses and are configured separately. However, if each business is the same business, the payment server 100 and the affiliated credit card company server 200 may be configured integrally. In this case, in the payment server 100 having the functions of the affiliated credit card company server 200, the information management unit 140 may be configured to manage both terminal payment history information and card payment history information.

Although the mode for implementing the present invention has been described above using embodiments, the present invention is not limited to these embodiments in any way, and various modifications and substitutions can be made without departing from the gist of the present invention. can be added.

10... User terminal device, 20... Payment application, 50... First store terminal device, 55... Credit processing terminal, 57... Affiliate card, 60... Store code image, 70... Second store terminal device, 72... For member stores Interface, 100...Payment server, 110...Communication unit, 120...Payment content providing unit, 130...Payment processing unit, 140...Information management unit, 170...Storage unit, 172...User information, 174...Payment content information, 176... Store information, 200... Affiliated credit card company server, 210... Card payment setting information, 272... Card payment setting information

Claims (8)

Among a plurality of payment methods that can be selected in electronic payment, a user of an electronic payment service that can use a first payment method and a second payment method whose fund source is different from the first payment method, a management unit that manages history information of the electronic payment made using the first payment method or the second payment method;
a privilege granting rate determining unit that determines a granting rate of privileges to be granted to users of the electronic payment service based on the history information of the electronic payment;
Equipped with
The benefit grant rate determining unit calculates a payment that is the sum of the number of times the user paid using the first payment method during the predetermined period and the number of times the user paid using the second payment method during the predetermined period. determining a grant rate of the benefit to be applied to the user after expiry of the predetermined period based on the number of times;
Service provision equipment. The first payment method is to make payment using the charge balance, which is the balance of electronic money charged to the user's account.
The service providing device according to claim 1. The benefits are points that are returned to the user according to the payment amount when making payments using the electronic payment service;
The service providing device according to claim 1. The second payment method is deferred payment or credit card payment.
The service providing device according to claim 1. The first payment method or the second payment method is a first method in which an application program executed on the user's terminal device cooperates with a payment server that provides the electronic payment service. and a second means in which card information recorded on a physical card owned by the user is supplied to the payment server.
The service providing device according to claim 1. The number of payments in the predetermined period includes the number of payments made by the first payment method or the second payment method realized by the first means, and the first payment realized by the second means. and the number of payments made by the second payment method.
The service providing device according to claim 5. The service providing device is
Among a plurality of payment methods that can be selected in electronic payment, a user of an electronic payment service that can use a first payment method and a second payment method whose fund source is different from the first payment method, managing history information of the electronic payment made using the first payment method or the second payment method;
A service providing method that determines a grant rate of benefits granted to users of the electronic payment service based on history information of the electronic payment, the method comprising:
In determining the granting rate of the benefit, the number of times the user paid using the first payment method during the predetermined period and the number of times the user paid using the second payment method during the predetermined period were summed. determining a grant rate of the benefit to be applied to the user after expiry of the predetermined period based on the number of payments;
How we provide our services. To the service providing device,
Among a plurality of payment methods that can be selected in electronic payment, a user of an electronic payment service that can use a first payment method and a second payment method whose fund source is different from the first payment method, managing history information of the electronic payment made using the first payment method or the second payment method;
A program for determining a grant rate of benefits granted to users of the electronic payment service based on history information of the electronic payment, the program comprising:
In determining the granting rate of the benefit, the number of times the user paid using the first payment method during the predetermined period and the number of times the user paid using the second payment method during the predetermined period were summed. determining the award rate of the benefit to be applied to the user after the expiration of the predetermined period based on the number of payments;
program for.

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