WO2020121521A1 - Payment management system and payment management method - Google Patents

Payment management system and payment management method Download PDF

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Publication number
WO2020121521A1
WO2020121521A1 PCT/JP2018/046132 JP2018046132W WO2020121521A1 WO 2020121521 A1 WO2020121521 A1 WO 2020121521A1 JP 2018046132 W JP2018046132 W JP 2018046132W WO 2020121521 A1 WO2020121521 A1 WO 2020121521A1
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WO
WIPO (PCT)
Prior art keywords
stores
store
payment
predetermined
incentive
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PCT/JP2018/046132
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French (fr)
Japanese (ja)
Inventor
亮平 佐竹
Original Assignee
株式会社日立製作所
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Application filed by 株式会社日立製作所 filed Critical 株式会社日立製作所
Priority to PCT/JP2018/046132 priority Critical patent/WO2020121521A1/en
Priority to JP2019555049A priority patent/JP6814308B2/en
Publication of WO2020121521A1 publication Critical patent/WO2020121521A1/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising

Definitions

  • the present invention relates to a payment management system and a payment management method.
  • a dynamic payment processing system that changes the content of the payment processing according to a payment occasion, and information about payment using a payment card.
  • Payment information acquisition means for acquiring certain payment information, payment occasion information set as information about a situation/situation in which payment is performed using a payment card, and information about the contents of payment processing associated with the payment occasion information.
  • Payment processing information management means that stores payment processing information and payment processing information stored in the payment processing information management means that corresponds to the payment occasion information satisfied by the payment information acquired by the payment information acquisition means.
  • a dynamic payment processing system including a payment processing information acquisition unit that acquires processing information and a payment processing unit that performs payment processing based on the payment processing information acquired by the payment processing information acquisition unit (see Patent Document 1). Have been proposed.
  • a suitable consumer wants to settle the payment by designating the payment method. Otherwise, the operating rate of the payment method will decrease, and it may be difficult to expect an increase in store sales itself.
  • a payment method eg, cash register, various readers, lines, etc.
  • an object of the present invention is to provide a technique for efficiently improving the usage status of a payment method at a store and activating transactions at the store.
  • a settlement management system of the present invention that solves the above-mentioned problems is a storage device that holds a transaction history by a predetermined settlement means in each of a plurality of stores, and a transaction status by the settlement means in the plurality of stores indicated by the transaction history is predetermined.
  • a predetermined rule according to the conditions is included, and an arithmetic unit that specifies the content of the incentive to be issued with respect to the stores included in the plurality of stores.
  • an information processing system including a storage device for holding a transaction history by a predetermined settlement means in each of a plurality of stores indicates that the transaction history indicates a transaction status by the settlement means in the plurality of stores.
  • the content of the incentive to be issued for the stores included in the plurality of stores is specified by a predetermined rule according to the conditions.
  • the present invention it is possible to efficiently improve the usage status of the payment method at a store and activate the transaction at the store.
  • FIG. 1A is a network configuration diagram including the payment management system 100 of this embodiment.
  • the payment management system 100 shown in FIG. 1 is a computer system that efficiently improves the usage status of payment means in a store and activates transactions in the store.
  • a credit card is assumed as an example of a payment method, and the description will be given.
  • the payment method is not limited to a credit card, and any payment method such as a debit card or a prepaid card can be applied as long as it is a non-cash payment method.
  • the payment management system 100 of the present embodiment is connected to each of the payment terminal 200, the card issuing company system 300, and the user terminal 400 via an appropriate network so that data communication is possible.
  • the payment terminal 200 is not particularly limited in the implementation form, but as an example, a POS terminal provided in each store can be assumed.
  • the payment terminal 200 which is a POS terminal, executes the operation of specifying the price by reading the product tag or the like, and reading the credit card (presented by the customer) by the card reading unit 201.
  • the payment terminal 200 transmits the thus obtained card information and price value as billing information to the payment management system 100 via the dedicated line 10.
  • the payment management system 100 receives the above-mentioned billing information, refers to the card number included in this billing information by the settlement switch unit 106, identifies the issuer, and then the system of the relevant card issuer, that is, the card.
  • the billing information is distributed to the issuing company system 300 via the dedicated line 10.
  • the card issuing company system 300 receives the above-mentioned billing information, executes a predetermined credit process called a so-called authorization with respect to the corresponding card, and returns the result to the settlement terminal 200 through the settlement management system 100 as settlement approval or disapproval.
  • the series of authorization process itself through the payment management system 100 and the card issuing company system 300 caused by the billing information from the payment terminal 200 of the store is the same as that performed by the existing payment system.
  • the user terminal 400 is a terminal that is connected to the payment management system 100 via the network 11 such as the Internet and receives a predetermined application distribution.
  • it is a terminal held by a consumer who purchases a product or service at a store or the like equipped with the payment terminal 200, and various mobile terminals such as smartphones and tablet terminals can be envisioned.
  • This consumer activates the application distributed from the payment management system 100 on the user terminal 200 and operates it appropriately, and incentives such as discounts, preferential treatment, and cashback are given to purchases and the like among various stores.
  • incentives such as discounts, preferential treatment, and cashback are given to purchases and the like among various stores.
  • a person who can browse the information of the store and reflect it in actual consumption behavior such as selection of the store.
  • the user terminal 400 holds the GPS unit 403 in addition to the above-mentioned application 401, and displays on the application 401 a map according to the current position of the consumer identified by the GPS unit 403. Further, on this map, the coupon confirmation unit 402 of the application 401 arranges/displays the icon of the nearest store to which the incentive is provided and information on the incentive at the store.
  • the information arranged and displayed here is distributed by the payment management system 100.
  • Hardware configuration The hardware configuration of the payment management system 100 of this embodiment is as shown in FIG. 1B.
  • the payment management system 100 includes a storage device 101, a memory 103, a calculation device 104, and a communication device 105.
  • the storage device 101 is a device configured by an appropriate nonvolatile storage element such as an SSD (Solid State Drive) or a hard disk drive.
  • an SSD Solid State Drive
  • a hard disk drive any suitable nonvolatile storage element
  • the memory 103 is a device including a volatile storage element such as RAM.
  • the arithmetic device 104 is a CPU that executes the program 102 held in the storage device 101 by reading it into the memory 103 to perform overall control of the device itself and also performs various determinations, arithmetic operations, and control processes.
  • the communication device 105 is a network interface card that is connected to the networks 10 and 11 and is responsible for communication processing with other devices such as the payment terminal 200, the card issuing company system 300, and the user terminal 400.
  • the payment management system 100 may further include an input device that receives a key input and a voice input from a user, and an output device such as a display that displays processed data, in addition to the above-described configuration.
  • POS transaction history information 115 in addition to the program 102 for implementing the functions required as the payment management system of this embodiment, POS transaction history information 115, member store management information 116, user information 117, coupon issuing rules.
  • Information 118, coupon issue target store information 119, area scoring information 120, non-cash decision area score coupon adjustment information 121, member store correlation coefficient information 122, member store correlation coupon adjustment information 123, remaining time coupon adjustment information 124, and At least payment balance coupon adjustment information 125 is stored. However, details of these pieces of information will be described later.
  • the functions implemented by executing the program 102 include a payment switch unit 106, a member store management unit 107, a coupon issuing engine 108, a data analysis engine 109, and an application management unit 110.
  • the payment switch unit 106 has a function of identifying the corresponding card issuing company system 300 based on the card information obtained from the payment terminal 200 and distributing the billing information thereto, as described above.
  • the member store management unit 107 is a store provided with the payment terminal 200, and has a function of managing information on the member store of the above-mentioned credit card. Specifically, the member store management information 116 described later manages the information of each member store.
  • the coupon issuing engine 108 has a function of managing the issuing of coupons that are given as incentives when the above member stores are used.
  • the coupon issuing engine 108 forms a main function of the payment management system 100 in cooperation with the data analysis engine 109.
  • the data analysis engine 109 is a function of providing information necessary for the coupon issue engine 108 to manage coupon issue. Specifically, it is determined whether the transaction status by credit card payment at a store group located in a predetermined area, which is indicated by the transaction history of each member store, meets a predetermined condition, and a predetermined rule according to the corresponding condition is used. , The content of the coupon issued with respect to a predetermined store included in the store group is specified. Details of such processing will be described later.
  • the application management unit 110 has a function of holding an application 401 to be delivered to the user terminal 400 and delivering the application 401 in response to a request from the user terminal 400.
  • Data structure example Next, information used by the payment management system 100 of this embodiment will be described.
  • FIG. 2 shows an example of the POS transaction history information 125 according to this embodiment.
  • the POS transaction history information 125 is a table in which the billing information sent from the payment terminal 200 of each member store is appropriately aggregated and accumulated for each payment terminal of each member store.
  • the data structure has a store name that uniquely identifies a member store, a MID (store ID), and a TID (ID of the payment terminal 200) as keys, and is used in the payment terminal 200 for a predetermined period (for example, the most recent month).
  • a total settlement amount total value of payments made by credit card settlement
  • a total number of settlements number of credit card settlement opportunities
  • FIG. 3 shows an example of the member store management information 116 of this embodiment.
  • the member store management information 116 uses the MID (common to the POS transaction history information 115) and the store name that uniquely identify the member store as the key, the address, area classification, MCC, total settlement amount, and total number of settlements of the member store. , And a member store score are associated with each other.
  • the area classification is the value of “urban” or “countryside” that the member store management unit 107 specifies by applying the value of the “address” column to a predetermined determination rule.
  • the rule in this case is held by the member store management unit 107, and as an example, a list of addresses belonging to “city” and a list of addresses belonging to “country” are applicable.
  • MCC is a store-type category code defined in advance by the card issuing company, and is included in the information obtained from the member store when the member store management unit 107 registers information on the member store.
  • the total payment amount is the total amount of money at each payment opportunity that occurred in the relevant member store for a predetermined period such as the most recent one month, and specifically, in the corresponding member store in the POS transaction history information 115. It is the total value of the "total payment amount" for each payment terminal.
  • the total number of payments is the total number of payment opportunities that occurred in the relevant member store for a predetermined period such as the latest one month, and specifically, the respective payments in the relevant member store in the POS transaction history information 115. It is the total value of the "total number of payments" for the terminal.
  • the member store score is the score of the member store judged by the data analysis engine 109 based on the total payment amount and the total number of payments. Specifically, the higher the total payment amount and the total number of payments, the higher the score.
  • FIG. 4 shows an example of the data structure of the user information 117 of this embodiment.
  • This user information 117 is a table in which the possessed card and information regarding the coupon acquisition status are accumulated for each consumer who purchased the product/service at the above-mentioned member store.
  • the data structure is a set of records in which the value of the credit card information held by the consumer and used for settlement and the value of the coupon acquisition status are associated with the user name that uniquely identifies the consumer as a key.
  • FIG. 5 shows an example of the data configuration of the coupon issue rule information 118 of this embodiment.
  • the coupon issue rule information 118 is a table that stores coupon issue rules.
  • the data structure uses the rule name that uniquely identifies the rule as a key, the priority of the rule, the condition, the target settlement amount, the target settlement income, the coupon issue ticket size, the expected coupon value in the settlement unit, and the settlement unit It is a collection of records in which values such as actual coupons and affiliated cards are associated with each other.
  • condition is the applicable condition of the coupon.
  • the target payment amount is the target payment amount for the coupon issuance based on the rule.
  • the target settlement income is the settlement income targeted for the coupon issuance based on the rule.
  • the settlement income is, for example, a fee collected by the settlement management system 100 in accordance with the settlement opportunity of the target settlement amount described above.
  • coupon issue ticket size is a unit of the payment amount corresponding to the coupon issue.
  • the expected coupon value for each payment unit is the content of the incentive indicated by the coupon, that is, the upper limit of the cashback amount.
  • the actual coupon for each payment unit is the content of the coupon issued for the payment amount of the coupon issue ticket size, that is, the cashback amount.
  • the affiliated card is a credit card that must be used for payment, which is a condition for acquiring the incentive of the coupon.
  • FIG. 6 shows a data configuration example of the coupon issue target store information 119 of the present embodiment.
  • the coupon issuance target store information 119 is a table that stores information about the relevant member store identified by the above-described coupon issuing rule information 118 and coupons to be issued for the member store.
  • the data structure corresponds to values such as store name, address, area, area classification, issued coupon, number of issued, and cashback amount of the member store with the MID that uniquely identifies the member store for which the coupon is issued as a key. It is a collection of attached records.
  • the area is the area to which the address of the member store belongs. This area can be assumed to be, for example, a map of a predetermined area divided into rectangular areas having a predetermined area.
  • the area division indicates whether the area is a city or a countryside, and is common to the area division of the member store management unit 107.
  • the issued coupon is the coupon name of the coupon specified for the member store based on the above-mentioned coupon issue rule information 118.
  • the number of issued coupons is the number of coupons issued for the member store. This value is used by the payment management system 100 for the corresponding device (such as the user terminal 400 or the payment terminal 200 of the member store) for the usage instruction of the corresponding coupon in the application 401 of the user terminal 400 or the usage information of the corresponding coupon in the member store. The value is incremented each time it is acquired from.
  • the cashback amount is the content of the incentive in the coupon, and at a stage where no correction or the like (processing in Flow Example 4 described later) is performed, the cashback amount in the coupon issue rule information 118 is set to “in payment unit”.
  • the value of the cashback amount of "coupon" is set as a default value.
  • FIG. 7 shows a data configuration example of the area scoring information 120 of the present embodiment.
  • the area scoring information 120 is a table that stores information about each area set in the coupon issue target store information 119 described above.
  • the data structure is a set of records in which values such as period, total settlement amount, total settlement count, and non-cash area score are associated with the area as a key.
  • the period is the acquisition period of the information that was processed for the area.
  • This information is information about the total amount of payment, the total number of payments, and the member store score in the member store management information 116 during the relevant period.
  • the total settlement amount is the total settlement amount at each member store in the area (the total settlement amount of the corresponding member stores in the member store management information 116).
  • the total number of payments is the total number of payments at each member store in the area (total value of the total number of payments of the member stores in the member store management information 116).
  • the non-cash area score indicates the degree of penetration of credit card payment opportunities in the area based on the total payment amount and the total number of payments.
  • FIG. 8 shows a data configuration example of the non-cash area score coupon adjustment information 121 of the present embodiment.
  • the coupon content once specified based on only the coupon issue rule information 118 (that is, the total settlement amount and the city center/countryside of the area defined in “conditions”) It defines information to be adjusted according to the non-cash area score in.
  • the data structure is a set of records in which the correction value of the coupon content under the condition is associated with the condition as a key.
  • the value of reduction/increase of cash back amount is defined as the correction value for the range of the non-cash area score as the condition.
  • FIG. 9 shows a data configuration example of the member store correlation coefficient information 122 of the present embodiment.
  • the member store correlation coefficient information 122 is a table that stores the correlation coefficient corresponding to the strength of the continuity of visits and purchases accompanying the stores adjacent to each other.
  • the data structure is a set of records in which the correlation coefficient is associated with the set of MCC, with the set of MCC (MCC1 and MCC2) corresponding to the type of industry forming a correlation set as a key.
  • the correlation coefficient indicating the strength of continuity of visits and purchases accompanying it between adjacent stores of the industry is “0.6”. It is prescribed.
  • FIG. 10 shows a data configuration example of the member store correlation coupon adjustment information 123 of the present embodiment.
  • the member store correlation coupon adjustment information 123 is the coupon content once specified based on only the coupon issue rule information 118 (that is, the total settlement amount and the city center/countryside of the area defined by the “condition”), or this coupon content. Which is corrected based on the above-mentioned non-cash area score coupon adjustment information 121, and a member store score in the adjacent store of the processing target member store, and a correlation coefficient between the member store and the adjacent store. It defines the information to be adjusted according to.
  • the data structure is a set of records in which the correction value of the coupon content under the condition is associated with the condition as a key.
  • a reduction/increase value of the cashback amount is defined as a correction value with respect to a range of member store scores of adjacent stores.
  • FIG. 11 shows a data configuration example of the remaining time coupon adjustment information 124 of the present embodiment.
  • the remaining time coupon adjustment information 124 is the coupon content once specified based on only the coupon issue rule information 118 (that is, the total payment amount and the city center/countryside of the area defined by the “condition”), or this coupon content. Is corrected based on the above-mentioned non-cash area score coupon adjustment information 121, or these coupon contents are corrected based on the above-mentioned member store correlation coupon adjustment information 123. It defines information to be adjusted according to the remaining period until the predetermined target date.
  • the data structure is a set of records in which the correction value of the coupon content under the condition is associated with the condition as a key.
  • a reduction/increase value of the cashback amount is defined as a correction value for the range of the above remaining period.
  • FIG. 12 shows a data configuration example of the settlement balance coupon adjustment information 125 of the present embodiment.
  • the settlement balance coupon adjustment information 125 is the coupon content once specified based on only the coupon issue rule information 118 (that is, the total settlement amount and the city center/countryside of the area defined in the “condition”), or this coupon content. Is corrected based on the non-cash area score coupon adjustment information 121 described above, or these coupon contents are corrected based on the member store correlation coupon adjustment information 123 described above, or these coupon contents are adjusted to the remaining time coupon described above. Information that adjusts one of the items corrected based on the information 124 according to the unachieved amount of the target payment amount that is predetermined for each area or member store is defined.
  • the data structure is a set of records in which the correction value of the coupon content under the condition is associated with the condition as a key.
  • a reduction/increase value of the cashback amount is defined as a correction value with respect to the above-mentioned unachieved amount range.
  • Flow example 1 (main flow) The actual procedure of the payment management method according to this embodiment will be described below with reference to the drawings.
  • Various operations corresponding to the payment management method described below are realized by a program that the payment management system 100 reads into a memory or the like and executes.
  • the program is composed of codes for performing various operations described below.
  • FIG. 13 is a diagram showing a flow example 1 of the payment management method in the present embodiment. Here, first, the main flow of the payment management method will be described.
  • the payment management system 100 performs scoring, that is, payment terminal scoring, on the payment terminals 200 provided in each member store (s1). Details of this settlement terminal scoring will be described later with reference to FIG.
  • the payment management system 100 determines the store to which the coupon is issued among the member stores based on the result of the settlement terminal scoring in s1 described above (s2). Details of the determination of the coupon issue target will be described later with reference to FIG.
  • the payment management system 100 determines the contents of the issued coupon regarding the member store for which the coupon is issued determined in s2 (s3). Details of this coupon value determination will be described later with reference to FIGS.
  • the payment management system 100 distributes and displays the information of the coupon whose issue target and content are determined up to s3 to the application 401 of the user terminal 400 (s4), and ends the process.
  • FIG. 14A shows a flow example 2 of the payment management method in the present embodiment.
  • the payment management system 100 aggregates the values of the total payment amount and the total number of payments for each payment terminal of each member store, which is indicated by the POS transaction history information 115, for each member store, and in the member store management information 116.
  • the "total payment amount” and the “total payment count” are calculated to calculate the member store score (s10).
  • This member store score is calculated, for example, when the total settlement amount is 5 points in the range of 0 to 100 yen, 10 points in the range of 101 to 200 yen, 20 points in the range of 201 to 500 yen, and 501 to 3000 yen. 30 points in the range, 40 points in the range of 3001 to 20000 yen, 50 points in the range of 20001 yen or more, and 5 points in the range of 0 to 2 times, 10 points in the range of 3 to 9 times, 10 Under the rules of 20 points for 20 times, 30 points for 21 to 50 times, 40 points for 51 to 100 times, and 50 points for 101 times or more, the total settlement amount and the total number of settlements, respectively. It is possible to envision a form in which the member stores score is obtained by summing up the scores of the above.
  • the payment management system 100 has a predetermined length unit (e.g., a unit corresponding to a distance that divides the city into several) in advance.
  • the corresponding area in the map information of (1) is divided into a grid, and a rectangular area is generated as the settlement area 1401 (s11).
  • the payment management system 100 identifies the member store located in the above-mentioned payment area 1401 by collating the value of the address column in the member store management information 116 with the above map information, and the total payment of the member store.
  • the amount and the total number of payments (calculated along with the calculation of the member store score in s10) are totaled for a predetermined period, and the non-cash area score is calculated based on the totaled value (s12).
  • the total settlement amount for the settlement area 1401 is 5 points in the range of 0 to 5000 yen, 10 points in the range of 5001 to 15000 yen, and 15 points in the range of 1501 to 30000 yen.
  • the payment management system 100 stores the non-cash area score calculated in s12 in the "non-cash area score" column in the area scoring information 120 (s13).
  • the payment management system 100 for the combination of MCC units of each member store located in the same payment area (preferably adjacent) in the member store management information 116, the total amount of payment between member stores belonging to the combination.
  • the correlation analysis of (1) is executed by the correlation analysis algorithm held by the data analysis engine 109, the analysis result is stored in the member store correlation coefficient information 122 (s14), and the process is ended.
  • a set of a member store located in a settlement area 1401 and having an MCC value corresponding to a general store and a member store having a value corresponding to a cafe is predetermined based on the member store management information 116.
  • the payment management system 100 refers to the coupon issuance rule information 118, and sets the “condition” in the “priority” order (“1” is given the highest priority) in the total payment amount and area classification in each member store. The information is sequentially compared with each information (acquired from the member store management information 116) (s20).
  • the area classification “city” in the member store of MID “123” in the member store management information 116 For example, the total settlement amount “400” yen, and the condition “POS transaction” in the rule of priority “1” in the coupon issue rule information 118.
  • the total amount is 0 yen or less
  • the conditions of the rule result in matching with the situation of the relevant member store.
  • the payment management system 100 It is determined whether the “target settlement income” in the corresponding rule can be achieved (s23).
  • the settlement management system 100 first calculates the required number of coupons to be issued by dividing the remaining settlement balance up to the "target settlement amount” value in the applicable rule by the "coupon issue ticket size” value. ..
  • the remaining settlement balance corresponds to a value obtained by subtracting the value of the total settlement amount of the relevant member store (extracted from the member store management information 116) from the value of the “target settlement amount” of the rule.
  • the settlement management system 100 divides the remaining settlement balance "20,000 yen” by “200 yen” of "coupon issue ticket size” of "coupon 2" to calculate the required number of coupon issuance as "100". become.
  • the payment management system 100 multiplies the value of the “expected coupon value in payment unit” in the corresponding rule by the value of the above-mentioned required number of coupons to be issued (hereinafter referred to as the required coupon amount), and the “target payment income”. Value of.
  • the required coupon amount "1000” that is obtained by multiplying the "expected coupon value in payment unit” "10” yen of "Coupon 2" by the value "100” of the required coupon coupon number
  • the “yen” is compared with the value “500” yen of the “target settlement income” of the “coupon 2”.
  • the settlement management system 100 decides to issue the coupon and issues the information of the corresponding member store. It is registered in the target store information 119 (s21), and the process ends.
  • the payment management system 100 extracts, from the coupon issue target store information 119, information on the member store that is the coupon issue target in the above flow example 3 and the issue coupon information (s30).
  • the payment management system 100 refers to the member store score of the member store in the member store management information 116 and the non-cash area score of the non-cash area to which the member store belongs in the area scoring information 120, in advance,
  • the cashback amount obtained in s30 is adjusted according to the predetermined condition (s31).
  • the non-cash area where the member store is located is an area where the non-cash area score is higher than a predetermined standard (eg: 60), and the total settlement amount at the member store is based on the predetermined standard (eg: 1000 yen). If the value is low, the cashback amount (the amount obtained in s30) of the coupon for which the member store is issued is reduced based on a predetermined rule (eg, 10% reduction from the current value).
  • a predetermined standard eg: 60
  • the total settlement amount at the member store is based on the predetermined standard (eg: 1000 yen).
  • the cashback amount the amount obtained in s30
  • a predetermined rule eg, 10% reduction from the current value
  • the non-cash area where the member store is located is an area where the non-cash area score is lower than a predetermined standard (example: 30)
  • the cash back amount of the coupon for which the member store is issued obtained in s30
  • the amount of money that has been added is increased based on a predetermined rule (eg, 20% increase from the current value).
  • the intention to increase or decrease the cash back amount is to use non-cash payments in areas where non-cash payments have been used well and are sufficiently widespread, even if the incentive content such as cash back in issued coupons is not excessively increased. Consumers who expect payments are expected to arrive, but on the other hand, in areas where non-cash payments have rarely been used and have not penetrated sufficiently, incentives such as cash back in issued coupons are provided. It is based on the concept of making it sufficiently attractive and attractive and aiming to attract consumers who are oriented toward non-cash payments.
  • the payment management system 100 adjusts the cashback amount after s31 for the above-mentioned member store and its adjacent store based on the member store correlation coupon adjustment information 123 (s32).
  • the payment management system 100 refers to the MCC (member store type) of the member store, the MCC (member store type) and the member store score of the adjacent store in the member store management information 116, and Of these, the MCC sets of both member stores are collated with each record of the member store correlation coefficient information 122, and the correlation coefficient is acquired for the corresponding MCC set.
  • the payment management system 100 collates the member store score of the adjacent store and the above-described correlation coefficient information with each condition in the member store correlation coupon adjustment information 123, and a matching condition (eg, member store score of the adjacent store). Is 60 or more and the correlation coefficient is 0.6 or more), the cashback amount is adjusted by the content of the correction value (for example, the cashback amount is reduced by 2 yen).
  • the payment management system 100 collates the remaining time from the present time until a predetermined target date such as the end of the month or the end of the year with the remaining time coupon adjustment information 124, and according to the “correction value” in the condition where the remaining time corresponds. , Adjust the cash back amount in the coupon for the member store (s33).
  • the payment management system 100 refers to the payment balance coupon adjustment information 125 for the remaining payment balance (obtained in s21) at the relevant member store, and according to the "correction value" in the condition that the remaining payment balance is applicable.
  • the cash back amount in the coupon for the member store is adjusted (s34).
  • the payment management system 100 determines whether or not a coupon has been issued in excess of the expected issue amount (s35).
  • the payment management system 100 sets the “issued number” in the member store management information 116 to the “coupon issuance cumulative amount” obtained by multiplying the coupon issuance required number calculated in s21 by the coupon issue ticket size value. The value is multiplied by the value of the coupon issue ticket size, and the "cumulative amount of issued coupons up to now" is deducted to calculate the remaining issue amount of the coupon. Further, the payment management system 100 calculates the “coupon issuance limit amount” by multiplying the value of the “expected coupon value in payment unit” for the relevant coupon in the coupon issuance rule information 118 by the above-mentioned issued number of coupons.
  • the payment management system 100 compares the above-mentioned remaining issuance planned amount with the coupon issuance limit amount, and when the remaining expected issuance amount exceeds the coupon issuance limit amount (s35: the planned coupon issuance amount is When the profit is exceeded), the payment management system 100 reduces the value of the coupon issue ticket size of the coupon, for example, so that the above-mentioned excess is resolved (s36), and ends the process. This reduction can be calculated by dividing the total amount of coupons planned to be issued by subtracting the excess amount by the required number of coupons to be issued.
  • the payment management system 100 determines that the coupon has the corresponding amount (coupon issue ticket size). Is issued (s37), and the process ends.
  • the user terminal 400 executes the installation process of the application 401 and activates the application 401 (s40).
  • the user along with the installation process of the application 401, the user provides his/her identification information (eg, name, address, age, etc.) and the information of the credit card to be held, through the interface of the application 401 and the payment management system.
  • a registration operation for 100 is performed.
  • various information of the user is registered in the user information 117 of the payment management system 100 from the user terminal 400.
  • the user terminal 400 accepts a payment card selection instruction from the user via the interface of the activated application 401 (s41).
  • the application 401 of the user terminal 400 accesses the coupon issue rule information 118 of the payment management system 100, acquires the information of the corresponding coupon from the payment management system 100 in accordance with the above selection instruction, and displays this on the map screen. It is displayed at 1000 (see FIG. 19) (s42).
  • the application 401 identifies a coupon in which the payment card selected by the user is defined in the “affiliation card” column in the coupon issue rule information 118. Further, the app 401 uses the coupon issue target store information 119 to identify a member store whose current position indicated by the GPS unit 403 and the “address” are within a predetermined distance and which includes the coupon specified above in the “issue coupon” column. The information on the coupon and the member store is specified and displayed on the map screen 1000. That is, when a predetermined credit card is used for payment, the member store to which the coupon is issued is displayed on the map screen.
  • the map screen 1000 includes a pull-down menu 1001 that receives a payment card selection instruction from the user, a member store to which the coupon is issued and a list 1002 that displays the contents of the coupon, and a map display 1003. To be done.
  • the map display 1003 described above includes an icon 1004 indicating the current position of the user and an icon 1005 indicating the location of the member store.
  • the application 401 accepts the above-mentioned desired coupon designation by the user via the map screen 1000 and performs the coupon acquisition process (s43).
  • This acquisition process corresponds to the process of storing the information of the coupon in the storage unit of the user terminal 400.
  • the payment according to the type of business, the content of sales, the degree of penetration and affinity of the corresponding payment method in the area, the urgency of sales improvement, etc.
  • the means and distributing the information to the user it is possible to efficiently and accurately increase the settlement opportunity at the store and the settlement means. Further, even a user who uses the corresponding payment means at such a store can obtain incentives such as cashback.
  • the arithmetic unit as the transaction status by the payment means in the plurality of stores, at least one of the sum and the number of transactions by the payment means in each of the plurality of stores.
  • the value is calculated, the total value is collated with the standard relating to the usage level of the settlement means, the usage level relating to the plurality of stores is specified as the condition, and the predetermined rule is set according to the usage level.
  • the content of the incentive to be issued with respect to the stores included in the plurality of stores may be specified.
  • the arithmetic unit determines the content of the incentive to be issued for the stores included in the plurality of stores when the usage level exceeds a predetermined standard.
  • the content of the incentive to be issued for the stores included in the plurality of stores may be expanded more than a predetermined specified value when the usage level is reduced below a predetermined specified value and the usage level falls below a predetermined standard.
  • the usage level of the corresponding payment method in a plurality of stores is equal to or higher than the stipulated level, that is, when the corresponding payment method is originally frequently used in the corresponding area, even if a generous incentive is not presented. If you can expect to use the payment method at the store, or conversely, if the payment method is not used at all in the area, you cannot expect to use the payment method at the store unless you provide a generous incentive. It is possible to specify the content of the incentive that well reflects the situation such as. As a result, it is possible to more efficiently improve the usage status of the payment method at the store and activate the transaction at the store.
  • the computing device when specifying the content of the incentive, when the usage level of the plurality of stores exceeds a predetermined standard, among the stores included in the plurality of stores,
  • the content of the incentive issued with respect to a store whose transaction status by the settlement means exceeds a predetermined standard may be reduced from a predetermined prescribed value.
  • the usage level of the corresponding payment method in a plurality of stores is equal to or higher than the regulation level, that is, the corresponding payment method is originally often used in the corresponding area, and the payment method in the corresponding store is used.
  • the content of the incentive can be specified more accurately in consideration of the circumstances in which the use of the payment method at the store can be expected without showing a generous incentive. As a result, it is possible to more efficiently improve the usage status of the payment method at the store and activate the transaction at the store.
  • the arithmetic unit correlates based on a set of stores having a predetermined attribute in the transaction history and the contents of transactions performed within a predetermined time at each store forming the set. Analysis is performed to identify a correlation coefficient relating to an event in which a transaction is made by continuously visiting between the stores in a set of stores having a predetermined attribute, and the correlation coefficient relating to a set of the store and an adjacent store of the store.
  • the content of the incentive regarding the store may be reduced according to the size of the.
  • the arithmetic unit displays the content of the incentive regarding the store according to the height of the transaction status of the adjacent store and the magnitude of the correlation coefficient in the transaction history. It is also possible to reduce the size.
  • the corresponding payment method is originally often used at the other store in the above-mentioned group (the store that is the starting point of the "ladder" of the store as seen from the store subject to the incentive consideration), it will be rich. Even if the incentive is not presented, the content of the incentive can be specified in accordance with the flow of the "ladder” more accurately taking into consideration the situation in which the use of the corresponding payment method at the store can be expected. As a result, it is possible to more efficiently improve the usage status of the payment method at the store and activate the transaction at the store.
  • the computing device may expand the content of the incentive for the store according to the shortage of the remaining time from the present to the predetermined deadline.
  • the arithmetic unit determines the content of the incentive for the store according to the degree of difference between the transaction status of the payment means in the store and the target status of the transaction status. It may be enlarged.
  • the information processing system as the transaction status of the payment means in the plurality of stores, at least one of the amount and the number of times the payment means has been traded in each of the plurality of stores. The total value is calculated, the total value is collated with the standard regarding the usage level of the settlement means, the usage level regarding the plurality of stores is specified as the condition, and the predetermined rule is predetermined according to the usage level.
  • the information processing system specifies the content of the incentive
  • the usage level of the plurality of stores exceeds a predetermined standard, among the stores included in the plurality of stores.
  • the content of the incentive issued for a store whose transaction status by the settlement means exceeds a predetermined standard may be reduced below a predetermined prescribed value.
  • the information processing system is based on the group of stores having a predetermined attribute in the transaction history and the contents of transactions performed within each predetermined time at each store forming the group. Correlation analysis is performed to identify a correlation coefficient related to an event in which a transaction is made by continuously visiting between the stores in a set of stores having a predetermined attribute, and the correlation regarding the set of the store and an adjacent store of the store. The content of the incentive for the store may be reduced according to the size of the number.
  • the information processing system in the transaction history, the content of the incentive for the store according to the height of the transaction status of the adjacent store and the magnitude of the correlation coefficient. May be reduced.
  • the information processing system may expand the content of the incentive regarding the store according to the shortage of the remaining time from the present to a predetermined deadline.
  • the information processing system determines the content of the incentive for the store in accordance with the degree of deviation between the transaction status of the payment means in the store and the target status of the transaction status. May be expanded.

Abstract

[Problem] To efficiently improve the usage status of a payment means of a retailer, and stimulate transactions at the retailer. [Solution] A payment management system 100 comprises: a storage device 101 that retains a history of transactions concluded via a prescribed payment means at each of a plurality of retailers; and a computing device 104 that, when the status of transactions, that are indicated by the transaction history and have been concluded using the payment means at each of the plurality of retailers, meets prescribed conditions, identifies the details of an incentive issued for a retailer included in the plurality of retailers, said identification being made by using a prescribed rule that corresponds to said conditions.

Description

決済管理システムおよび決済管理方法Payment management system and payment management method
　本発明は、決済管理システムおよび決済管理方法に関するものである。 The present invention relates to a payment management system and a payment management method.
　近年、金融技術の進展等もあって種々の決済手段が提案され、そうした決済手段ごとに、手数料やポイント、キャッシュバックなどの有無、条件も様々異なっている。 In recent years, various payment methods have been proposed due to the progress of financial technology, and the existence and conditions of fees, points, cash back, etc. are different for each such payment method.
　消費者としては、上述の有無や条件を全て理解し、決済機会ごとに好適なものを選択できれば好しいが、実際にそうした選択を行うことは困難で、非常に煩雑でもある。 As a consumer, it would be nice if we could understand all the above-mentioned existence and conditions and select the suitable one for each payment opportunity, but it is difficult and difficult to actually make such a selection.
　そこで、決済機会に応じた好適な決済サービスを提供する従来技術として、例えば、決済オケージョンに応じて決済処理の内容を変動させる動的決済処理システムであって、決済カードを利用した決済に関する情報である決済情報を取得する決済情報取得手段と、決済カードを利用して決済を行う場面・状況に関する情報として設定される決済オケージョン情報、及び決済オケージョン情報と対応付けられた決済処理の内容についての情報である決済処理情報が記憶される決済処理情報管理手段と、前記決済処理情報管理手段に記憶される決済処理情報から、前記決済情報取得手段が取得した決済情報が満たす決済オケージョン情報に対応する決済処理情報を取得する決済処理情報取得手段と、前記決済処理情報取得手段が取得した決済処理情報に基づいて決済処理を行う決済処理手段と、を具備する動的決済処理システム（特許文献１参照）などが提案されている。 Therefore, as a conventional technology for providing a suitable payment service according to a payment opportunity, for example, a dynamic payment processing system that changes the content of the payment processing according to a payment occasion, and information about payment using a payment card is provided. Payment information acquisition means for acquiring certain payment information, payment occasion information set as information about a situation/situation in which payment is performed using a payment card, and information about the contents of payment processing associated with the payment occasion information. Payment processing information management means that stores payment processing information and payment processing information stored in the payment processing information management means that corresponds to the payment occasion information satisfied by the payment information acquired by the payment information acquisition means. A dynamic payment processing system including a payment processing information acquisition unit that acquires processing information and a payment processing unit that performs payment processing based on the payment processing information acquired by the payment processing information acquisition unit (see Patent Document 1). Have been proposed.
特開２０１７－２１６６８号公報JP, 2017-21668, A
　従来技術のように、ユーザ視点での決済管理を好適なものとする技術は提案されている。ところが、決済手段の提供者側の視点では、別の課題も存在する。 　Techniques that make payment management from the user's perspective suitable, such as conventional technology, have been proposed. However, there is another problem from the viewpoint of the payment means provider.
　例えば、店舗運営者において、相応のコストをかけて決済手段（例：レジや各種リーダー、回線など）を導入・運用しても、相応の消費者が当該決済手段を指定した決済を希望してくれなければ、決済手段の稼働率は低下し、店舗売上自体の増大も見込みにくい状況となる恐れもある。 For example, even if a store operator introduces and operates a payment method (eg, cash register, various readers, lines, etc.) at a reasonable cost, a suitable consumer wants to settle the payment by designating the payment method. Otherwise, the operating rate of the payment method will decrease, and it may be difficult to expect an increase in store sales itself.
　また、こういった決済手段の導入・運用に問題が生じている店舗では、集客システムが存在しないか、機能してないケースも多く、集客を起点にした売上増の仕組み自体が期待できない。 In addition, in stores where there are problems with the introduction and operation of such payment methods, there are many cases where the customer attraction system does not exist or is not functioning, so it is not possible to expect a mechanism to increase sales based on customer attraction.
　そこで本発明の目的は、店舗における決済手段の使用状況を効率よく改善し、当該店舗での取引を活性化させる技術を提供することにある。 Therefore, an object of the present invention is to provide a technique for efficiently improving the usage status of a payment method at a store and activating transactions at the store.
　上記課題を解決する本発明の決済管理システムは、複数店舗の各々における所定決済手段による取引履歴を保持する記憶装置と、前記取引履歴が示す、前記複数店舗における前記決済手段による取引状況が、所定条件に適合する場合、当該条件に応じた所定ルールにて、当該複数店舗に含まれる店舗に関して発行するインセンティブの内容を特定する演算装置と、を含むことを特徴とする。 A settlement management system of the present invention that solves the above-mentioned problems is a storage device that holds a transaction history by a predetermined settlement means in each of a plurality of stores, and a transaction status by the settlement means in the plurality of stores indicated by the transaction history is predetermined. When the conditions are met, a predetermined rule according to the conditions is included, and an arithmetic unit that specifies the content of the incentive to be issued with respect to the stores included in the plurality of stores.
　また、本発明の決済管理方法は、複数店舗の各々における所定決済手段による取引履歴を保持する記憶装置を備えた情報処理システムが、前記取引履歴が示す、前記複数店舗における前記決済手段による取引状況が、所定条件に適合する場合、当該条件に応じた所定ルールにて、当該複数店舗に含まれる店舗に関して発行するインセンティブの内容を特定する、ことを特徴とする。 Further, in the settlement management method of the present invention, an information processing system including a storage device for holding a transaction history by a predetermined settlement means in each of a plurality of stores indicates that the transaction history indicates a transaction status by the settlement means in the plurality of stores. However, when the predetermined conditions are met, the content of the incentive to be issued for the stores included in the plurality of stores is specified by a predetermined rule according to the conditions.
　本発明によれば、店舗における決済手段の使用状況を効率よく改善し、当該店舗での取引を活性化可能となる。 According to the present invention, it is possible to efficiently improve the usage status of the payment method at a store and activate the transaction at the store.
本実施形態の決済管理システムを含むネットワーク構成図である。It is a network block diagram including the payment management system of this embodiment. 本実施形態における決済管理システムのハードウェア構成例を示す図である。It is a figure which shows the hardware structural example of the payment management system in this embodiment. 本実施形態のＰＯＳ取引履歴情報のデータ構成例を示す図である。It is a figure which shows the data structural example of POS transaction history information of this embodiment. 本実施形態の加盟店管理情報のデータ構成例を示す図である。It is a figure which shows the data structural example of the member store management information of this embodiment. 本実施形態のユーザ情報のデータ構成例を示す図である。It is a figure which shows the data structural example of the user information of this embodiment. 本実施形態のクーポン発行ルール情報のデータ構成例を示す図である。It is a figure which shows the data structural example of the coupon issue rule information of this embodiment. 本実施形態のクーポン発行対象店舗情報のデータ構成例を示す図である。It is a figure which shows the data structural example of the store information of a coupon issue target of this embodiment. 本実施形態のエリアスコアリング情報のデータ構成例を示す図である。It is a figure which shows the data structural example of the area scoring information of this embodiment. 本実施形態の非現金エリアスコアクーポン調整情報のデータ構成例を示す図である。It is a figure which shows the data structural example of the non-cash area score coupon adjustment information of this embodiment. 本実施形態の加盟店相関係数情報のデータ構成例を示す図である。It is a figure which shows the data structural example of the member store correlation coefficient information of this embodiment. 本実施形態の加盟店相関クーポン調整情報のデータ構成例を示す図である。It is a figure which shows the data structural example of the member store correlation coupon adjustment information of this embodiment. 本実施形態の残時間クーポン調整情報のデータ構成例を示す図である。It is a figure which shows the data structural example of the remaining time coupon adjustment information of this embodiment. 本実施形態の決済残高クーポン調整情報のデータ構成例を示す図である。It is a figure which shows the data structural example of the settlement balance coupon adjustment information of this embodiment. 本実施形態における決済管理方法のフロー例１を示す図である。It is a figure which shows the example 1 of a flow of the payment management method in this embodiment. 本実施形態における決済管理方法のフロー例２を示す図である。It is a figure which shows the example 2 of a flow of the payment management method in this embodiment. 本実施形態におけるエリアスコアリングのイメージ例を示す図である。It is a figure which shows the image example of area scoring in this embodiment. 本実施形態における決済管理方法のフロー例３を示す図である。It is a figure which shows the example 3 of a flow of the payment management method in this embodiment. 本実施形態における決済管理方法のフロー例４を示す図である。It is a figure which shows the example 4 of a flow of the payment management method in this embodiment. 本実施形態における決済管理方法のフロー例５を示す図である。It is a figure which shows the example 5 of a flow of the payment management method in this embodiment. 本実施形態における決済管理方法のフロー例６を示す図である。It is a figure which shows the example 6 of a flow of the payment management method in this embodiment. 本実施形態における画面例を示す図である。It is a figure which shows the example of a screen in this embodiment.
－－－ネットワーク構成－－－
　以下に本発明の実施形態について図面を用いて詳細に説明する。図１Ａは、本実施形態の決済管理システム１００を含むネットワーク構成図である。図１に示す決済管理システム１００は、店舗における決済手段の使用状況を効率よく改善し、当該店舗での取引を活性化させるコンピュータシステムである。 --- Network configuration ---
Embodiments of the present invention will be described below in detail with reference to the drawings. FIG. 1A is a network configuration diagram including the payment management system 100 of this embodiment. The payment management system 100 shown in FIG. 1 is a computer system that efficiently improves the usage status of payment means in a store and activates transactions in the store.
　なお、本実施形態では、決済手段の一例としてクレジットカードを想定し、説明を行うものとする。勿論、決済手段をクレジットカードに限定するものではなく、非現金決済手段であれば、デビットカード、プリペイドカード、などいずれの決済手段も適用可能とする。 Note that in the present embodiment, a credit card is assumed as an example of a payment method, and the description will be given. Of course, the payment method is not limited to a credit card, and any payment method such as a debit card or a prepaid card can be applied as long as it is a non-cash payment method.
　図１で例示するように、本実施形態の決済管理システム１００は、決済端末２００、カード発行会社システム３００、およびユーザ端末４００のそれぞれと、適宜なネットワークを介しデータ通信可能に接続されている。 As illustrated in FIG. 1, the payment management system 100 of the present embodiment is connected to each of the payment terminal 200, the card issuing company system 300, and the user terminal 400 via an appropriate network so that data communication is possible.
　このうち決済端末２００は、特に実装形態を限定するものではないが、一例として各店舗に備わるＰＯＳ端末を想定できる。ＰＯＳ端末たる決済端末２００は、商品タグ等に対する読み取り等による代金の特定、カード読取部２０１によるクレジットカード（顧客が提示したもの）に対する読取り動作などを実行する。 Of these, the payment terminal 200 is not particularly limited in the implementation form, but as an example, a POS terminal provided in each store can be assumed. The payment terminal 200, which is a POS terminal, executes the operation of specifying the price by reading the product tag or the like, and reading the credit card (presented by the customer) by the card reading unit 201.
　決済端末２００は、こうして得たカード情報と代金の値を請求情報として、専用回線１０を介し決済管理システム１００に送信する。 The payment terminal 200 transmits the thus obtained card information and price value as billing information to the payment management system 100 via the dedicated line 10.
　一方、決済管理システム１００は、上述の請求情報を受信し、決済スイッチ部１０６によって、この請求情報が含むカード番号を参照し、その発行主体を特定した上で、該当カード発行会社のシステムすなわちカード発行会社システム３００に対し、専用回線１０を介して当該請求情報を配信することとなる。 On the other hand, the payment management system 100 receives the above-mentioned billing information, refers to the card number included in this billing information by the settlement switch unit 106, identifies the issuer, and then the system of the relevant card issuer, that is, the card. The billing information is distributed to the issuing company system 300 via the dedicated line 10.
　カード発行会社システム３００では、上述の請求情報を受信し、該当カードに関していわゆるオーソリと呼ばれる所定の与信処理を実行し、その結果を決済可否として決済管理システム１００を通じて決済端末２００に返す。 The card issuing company system 300 receives the above-mentioned billing information, executes a predetermined credit process called a so-called authorization with respect to the corresponding card, and returns the result to the settlement terminal 200 through the settlement management system 100 as settlement approval or disapproval.
　こうした、店舗の決済端末２００からの請求情報に起因した、決済管理システム１００、およびカード発行会社システム３００を通じた、一連のオーソリ処理自体は既存の決済システムで行っているもの同様である。 The series of authorization process itself through the payment management system 100 and the card issuing company system 300 caused by the billing information from the payment terminal 200 of the store is the same as that performed by the existing payment system.
　一方、ユーザ端末４００は、インターネット等のネットワーク１１を介し、決済管理システム１００と接続し、所定のアプリ配信を受ける端末である。 On the other hand, the user terminal 400 is a terminal that is connected to the payment management system 100 via the network 11 such as the Internet and receives a predetermined application distribution.
　より具体的には、決済端末２００の備わる店舗等で商品やサービスの購入を行う消費者が保持する端末であって、スマートフォンやタブレット端末といった各種の携帯端末を想定できる。 More specifically, it is a terminal held by a consumer who purchases a product or service at a store or the like equipped with the payment terminal 200, and various mobile terminals such as smartphones and tablet terminals can be envisioned.
　この消費者は、決済管理システム１００から配信されたアプリをユーザ端末２００で起動して適宜に操作し、各種店舗のうち、購入等に対して割引や優待、キャッシュバック等のインセンティブが付与される店舗の情報を閲覧し、店舗選択等の実際の消費行動に反映させうる者である。 This consumer activates the application distributed from the payment management system 100 on the user terminal 200 and operates it appropriately, and incentives such as discounts, preferential treatment, and cashback are given to purchases and the like among various stores. A person who can browse the information of the store and reflect it in actual consumption behavior such as selection of the store.
　そのためユーザ端末４００は、上述のアプリ４０１の他にもＧＰＳユニット４０３を保持し、ＧＰＳユニット４０３で特定した消費者の現在位置に応じたマップをアプリ４０１上で表示させる。また、このマップ上には、アプリ４０１のクーポン確認部４０２によって、最寄り店舗のうちインセンティブ提供がなされる店舗のアイコンと、当該店舗でのインセンティブの情報とが配置・表示される。なお、ここで配置・表示する情報は、決済管理システム１００が配信したものである。
－－－ハードウェア構成－－－
　また、本実施形態の決済管理システム１００のハードウェア構成は、図１Ｂに示す如くとなる。 Therefore, the user terminal 400 holds the GPS unit 403 in addition to the above-mentioned application 401, and displays on the application 401 a map according to the current position of the consumer identified by the GPS unit 403. Further, on this map, the coupon confirmation unit 402 of the application 401 arranges/displays the icon of the nearest store to which the incentive is provided and information on the incentive at the store. The information arranged and displayed here is distributed by the payment management system 100.
--- Hardware configuration ---
The hardware configuration of the payment management system 100 of this embodiment is as shown in FIG. 1B.
　決済管理システム１００は、記憶装置１０１、メモリ１０３、演算装置１０４、および通信装置１０５、を備える。 The payment management system 100 includes a storage device 101, a memory 103, a calculation device 104, and a communication device 105.
　上述のうち、記憶装置１０１は、ＳＳＤ（Ｓｏｌｉｄ　Ｓｔａｔｅ　Ｄｒｉｖｅ）やハードディスクドライブなど適宜な不揮発性記憶素子で構成される装置である。 Among the above, the storage device 101 is a device configured by an appropriate nonvolatile storage element such as an SSD (Solid State Drive) or a hard disk drive.
　また、メモリ１０３は、ＲＡＭなど揮発性記憶素子で構成される装置である。 The memory 103 is a device including a volatile storage element such as RAM.
　また、演算装置１０４は、記憶装置１０１に保持されるプログラム１０２をメモリ１０３に読み出すなどして実行し装置自体の統括制御を行なうとともに各種判定、演算及び制御処理を行なうＣＰＵである。 The arithmetic device 104 is a CPU that executes the program 102 held in the storage device 101 by reading it into the memory 103 to perform overall control of the device itself and also performs various determinations, arithmetic operations, and control processes.
　また、通信装置１０５は、ネットワーク１０、１１と接続して、決済端末２００、カード発行会社システム３００、および、ユーザ端末４００といった他装置との通信処理を担うネットワークインターフェイスカードである。 Further, the communication device 105 is a network interface card that is connected to the networks 10 and 11 and is responsible for communication processing with other devices such as the payment terminal 200, the card issuing company system 300, and the user terminal 400.
　なお、決済管理システム１００は、上述の構成に加えて、ユーザからのキー入力や音声入力を受け付ける入力装置、処理データの表示を行うディスプレイ等の出力装置、をさらに備えるとしてもよい。 The payment management system 100 may further include an input device that receives a key input and a voice input from a user, and an output device such as a display that displays processed data, in addition to the above-described configuration.
　また、記憶装置１０１内には、本実施形態の決済管理システムとして必要な機能を実装する為のプログラム１０２に加えて、ＰＯＳ取引履歴情報１１５、加盟店管理情報１１６、ユーザ情報１１７、クーポン発行ルール情報１１８、クーポン発行対象店舗情報１１９、エリアスコアリング情報１２０、非現金決エリアスコアクーポン調整情報１２１、加盟店相関係数情報１２２、加盟店相関クーポン調整情報１２３、残時間クーポン調整情報１２４、および決済残高クーポン調整情報１２５が少なくとも記憶されている。ただし、これらの情報の詳細は後述する。 In addition, in the storage device 101, in addition to the program 102 for implementing the functions required as the payment management system of this embodiment, POS transaction history information 115, member store management information 116, user information 117, coupon issuing rules. Information 118, coupon issue target store information 119, area scoring information 120, non-cash decision area score coupon adjustment information 121, member store correlation coefficient information 122, member store correlation coupon adjustment information 123, remaining time coupon adjustment information 124, and At least payment balance coupon adjustment information 125 is stored. However, details of these pieces of information will be described later.
　また、プログラム１０２の実行により実装される機能としては、決済スイッチ部１０６、加盟店管理部１０７、クーポン発行エンジン１０８、データ分析エンジン１０９、およびアプリ管理部１１０を含む。 The functions implemented by executing the program 102 include a payment switch unit 106, a member store management unit 107, a coupon issuing engine 108, a data analysis engine 109, and an application management unit 110.
　このうち、決済スイッチ部１０６は、上述のとおり、決済端末２００から得たカード情報に基づき、対応するカード発行会社システム３００を特定し、これに対して請求情報を配信する機能である。 Of these, the payment switch unit 106 has a function of identifying the corresponding card issuing company system 300 based on the card information obtained from the payment terminal 200 and distributing the billing information thereto, as described above.
　また、加盟店管理部１０７は、決済端末２００が備わる店舗であって、上述のクレジットカードの加盟店の情報を管理する機能である。具体的には、後述する加盟店管理情報１１６にて各加盟店の情報を管理する。 Further, the member store management unit 107 is a store provided with the payment terminal 200, and has a function of managing information on the member store of the above-mentioned credit card. Specifically, the member store management information 116 described later manages the information of each member store.
　また、クーポン発行エンジン１０８は、上述の加盟店の利用に伴ってインセンティブとして付与されるクーポンの発行管理を行う機能である。このクーポン発行エンジン１０８は、データ分析エンジン１０９と協働して決済管理システム１００の主要機能を構成する。 Further, the coupon issuing engine 108 has a function of managing the issuing of coupons that are given as incentives when the above member stores are used. The coupon issuing engine 108 forms a main function of the payment management system 100 in cooperation with the data analysis engine 109.
　また、データ分析エンジン１０９は、上述のクーポン発行エンジン１０８がクーポンの発行管理を行うに際して必要な情報を提供する機能である。具体的には、加盟店それぞれの取引履歴が示す、所定エリアに所在する店舗群でのクレジットカード決済による取引状況が、所定条件に適合するか判定し、該当する条件に応じた所定ルールにて、当該店舗群に含まれる所定店舗に関して発行するクーポンの内容を特定する。こうした処理の詳細については後述する。 Further, the data analysis engine 109 is a function of providing information necessary for the coupon issue engine 108 to manage coupon issue. Specifically, it is determined whether the transaction status by credit card payment at a store group located in a predetermined area, which is indicated by the transaction history of each member store, meets a predetermined condition, and a predetermined rule according to the corresponding condition is used. , The content of the coupon issued with respect to a predetermined store included in the store group is specified. Details of such processing will be described later.
　また、アプリ管理部１１０は、ユーザ端末４００に配信するアプリ４０１を保持し、これをユーザ端末４００の要求に応じて配信する機能である。
－－－データ構造例－－－
　続いて、本実施形態の決済管理システム１００が用いる情報について説明する。図２に、本実施形態におけるＰＯＳ取引履歴情報１２５の一例を示す。 The application management unit 110 has a function of holding an application 401 to be delivered to the user terminal 400 and delivering the application 401 in response to a request from the user terminal 400.
--- Data structure example ---
Next, information used by the payment management system 100 of this embodiment will be described. FIG. 2 shows an example of the POS transaction history information 125 according to this embodiment.
　ＰＯＳ取引履歴情報１２５は、各加盟店の決済端末２００から送られてきた請求情報を、各加盟店の決済端末ごとに適宜に集計処理して蓄積したテーブルである。 The POS transaction history information 125 is a table in which the billing information sent from the payment terminal 200 of each member store is appropriately aggregated and accumulated for each payment terminal of each member store.
　そのデータ構造は、加盟店を一意に特定する店舗名およびＭＩＤ（店舗ＩＤ）とＴＩＤ（決済端末２００のＩＤ）をキーとして、当該決済端末２００における、所定期間（例：直近１ヶ月）での、合計決済金額（クレジットカード決済により決済した代金の合計値）、および合計決済回数（クレジットカード決済機会の回数）、といった値を対応付けたレコードの集合体である。 The data structure has a store name that uniquely identifies a member store, a MID (store ID), and a TID (ID of the payment terminal 200) as keys, and is used in the payment terminal 200 for a predetermined period (for example, the most recent month). , A total settlement amount (total value of payments made by credit card settlement), and a total number of settlements (number of credit card settlement opportunities) are associated with each other.
　また、図３に、本実施形態の加盟店管理情報１１６の一例を示す。この加盟店管理情報１１６は、加盟店を一意に特定するＭＩＤ（ＰＯＳ取引履歴情報１１５と共通）および店舗名をキーに、当該加盟店の住所、エリア区分、ＭＣＣ、合計決済金額、合計決済回数、および加盟店スコアといった値を対応付けたレコードの集合体である。 Further, FIG. 3 shows an example of the member store management information 116 of this embodiment. The member store management information 116 uses the MID (common to the POS transaction history information 115) and the store name that uniquely identify the member store as the key, the address, area classification, MCC, total settlement amount, and total number of settlements of the member store. , And a member store score are associated with each other.
　このうちエリア区分は、加盟店管理部１０７が、「住所」欄の値を所定の判定ルールに適用して特定した「都会」または「田舎」の値となる。この場合のルールは、加盟店管理部１０７が保持するものであって、一例としては、「都会」に属する住所のリストと、「田舎」に属する住所のリストとが該当する。 Of these, the area classification is the value of “urban” or “countryside” that the member store management unit 107 specifies by applying the value of the “address” column to a predetermined determination rule. The rule in this case is held by the member store management unit 107, and as an example, a list of addresses belonging to “city” and a list of addresses belonging to “country” are applicable.
　また、ＭＣＣは、カード発行会社が予め規定する店舗種別カテゴリコードであり、加盟店管理部１０７が該当加盟店の情報登録に際し、当該加盟店から得た情報に含まれるものとする。 Also, MCC is a store-type category code defined in advance by the card issuing company, and is included in the information obtained from the member store when the member store management unit 107 registers information on the member store.
　また、合計決済金額は、例えば、直近１ヶ月など所定期間に関して、該当加盟店で生じた各決済機会での代金合計額であり、具体的には、ＰＯＳ取引履歴情報１１５での該当加盟店における各決済端末に関する「合計決済金額」の集計値となる。 Further, the total payment amount is the total amount of money at each payment opportunity that occurred in the relevant member store for a predetermined period such as the most recent one month, and specifically, in the corresponding member store in the POS transaction history information 115. It is the total value of the "total payment amount" for each payment terminal.
　また、合計決済回数は、例えば、直近１ヶ月など所定期間に関して、該当加盟店で生じた各決済機会の合計回数であり、具体的には、ＰＯＳ取引履歴情報１１５での該当加盟店における各決済端末に関する「合計決済回数」の集計値となる。 In addition, the total number of payments is the total number of payment opportunities that occurred in the relevant member store for a predetermined period such as the latest one month, and specifically, the respective payments in the relevant member store in the POS transaction history information 115. It is the total value of the "total number of payments" for the terminal.
　また、加盟店スコアは、合計決済金額および合計決済回数の各値に基づき、データ分析エンジン１０９が判定した当該加盟店のスコアである。具体的には、合計決済金額および合計決済回数が多いほど、このスコアは高くなる。 The member store score is the score of the member store judged by the data analysis engine 109 based on the total payment amount and the total number of payments. Specifically, the higher the total payment amount and the total number of payments, the higher the score.
　また図４に、本実施形態のユーザ情報１１７のデータ構成例を示す。このユーザ情報１１７は、上述の加盟店で商品・サービスの購入を行った消費者ごとに、その保有カードや、クーポン取得状況に関する情報を蓄積したテーブルである。 Further, FIG. 4 shows an example of the data structure of the user information 117 of this embodiment. This user information 117 is a table in which the possessed card and information regarding the coupon acquisition status are accumulated for each consumer who purchased the product/service at the above-mentioned member store.
　そのデータ構造は、消費者を一意に特定するユーザ名をキーとして、当該消費者が保有し決済に利用したクレジットカードの情報、およびクーポン取得状況といった値を対応付けたレコードの集合体である。 The data structure is a set of records in which the value of the credit card information held by the consumer and used for settlement and the value of the coupon acquisition status are associated with the user name that uniquely identifies the consumer as a key.
　また図５に、本実施形態のクーポン発行ルール情報１１８のデータ構成例を示す。このクーポン発行ルール情報１１８は、クーポンの発行ルールを格納したテーブルである。 Further, FIG. 5 shows an example of the data configuration of the coupon issue rule information 118 of this embodiment. The coupon issue rule information 118 is a table that stores coupon issue rules.
　そのデータ構造は、ルールを一意に特定するルール名をキーとして、当該ルールの優先度、条件、目標決済金額、目標決済収益、クーポン発行チケットサイズ、決済単位でのクーポン期待値、決済単位での実際のクーポン、および提携カードといった値を対応付けたレコードの集合体である。 The data structure uses the rule name that uniquely identifies the rule as a key, the priority of the rule, the condition, the target settlement amount, the target settlement income, the coupon issue ticket size, the expected coupon value in the settlement unit, and the settlement unit It is a collection of records in which values such as actual coupons and affiliated cards are associated with each other.
　このうち優先度は、ルール間における適用の優先順位である。 Priority among these is the priority of application between rules.
　また、条件は、当該クーポンの適用条件である。 Also, the condition is the applicable condition of the coupon.
　また、目標決済金額は、当該ルールに基づくクーポン発行で目標とする決済金額である。 Also, the target payment amount is the target payment amount for the coupon issuance based on the rule.
　また、目標決済収益は、当該ルールに基づくクーポン発行で目標とする決済収益である。この決済収益とは、例えば、上述の目標決済金額の決済機会に伴って決済管理システム１００が徴収する手数料である。 Also, the target settlement income is the settlement income targeted for the coupon issuance based on the rule. The settlement income is, for example, a fee collected by the settlement management system 100 in accordance with the settlement opportunity of the target settlement amount described above.
　また、クーポン発行チケットサイズは、クーポン発行に対応する決済金額の単位である。 Also, the coupon issue ticket size is a unit of the payment amount corresponding to the coupon issue.
　また、決済単位でのクーポン期待値は、クーポンが示すインセンティブの内容すなわちキャッシュバック金額の上限である。 Also, the expected coupon value for each payment unit is the content of the incentive indicated by the coupon, that is, the upper limit of the cashback amount.
　また、決済単位での実際のクーポンは、クーポン発行チケットサイズの決済金額に対して発行するクーポンの内容、すなわちキャッシュバック金額である。 Also, the actual coupon for each payment unit is the content of the coupon issued for the payment amount of the coupon issue ticket size, that is, the cashback amount.
　また、提携カードは、当該クーポンのインセンティブを獲得するための条件となる、決済利用が必須のクレジットカード、である。 Also, the affiliated card is a credit card that must be used for payment, which is a condition for acquiring the incentive of the coupon.
　また図６に、本実施形態のクーポン発行対象店舗情報１１９のデータ構成例を示す。このクーポン発行対象店舗情報１１９は、上述のクーポン発行ルール情報１１８によって特定された、該当加盟店および当該加盟店に関して発行するクーポンの情報を格納したテーブルである。 Further, FIG. 6 shows a data configuration example of the coupon issue target store information 119 of the present embodiment. The coupon issuance target store information 119 is a table that stores information about the relevant member store identified by the above-described coupon issuing rule information 118 and coupons to be issued for the member store.
　そのデータ構造は、クーポン発行対象の加盟店を一意に特定するＭＩＤをキーとして、当該加盟店の、店舗名、住所、エリア、エリア区分、発行クーポン、発行枚数、およびキャッシュバック額といった値を対応付けたレコードの集合体である。 The data structure corresponds to values such as store name, address, area, area classification, issued coupon, number of issued, and cashback amount of the member store with the MID that uniquely identifies the member store for which the coupon is issued as a key. It is a collection of attached records.
　このうちエリアは、当該加盟店の住所が属するエリアである。このエリアは、例えば、所定地域のマップを所定面積の矩形領域で区画したものを想定できる。 -Of these, the area is the area to which the address of the member store belongs. This area can be assumed to be, for example, a map of a predetermined area divided into rectangular areas having a predetermined area.
　また、エリア区分は、当該エリアが都会か田舎かを示すもので、加盟店管理部１０７のエリア区分と共通する。 The area division indicates whether the area is a city or a countryside, and is common to the area division of the member store management unit 107.
　また、発行クーポンは、上述のクーポン発行ルール情報１１８に基づき、当該加盟店に関して特定されたクーポンのクーポン名である。 Further, the issued coupon is the coupon name of the coupon specified for the member store based on the above-mentioned coupon issue rule information 118.
　また、発行枚数は、当該クーポンが当該加盟店に関して発行された枚数である。この値は、ユーザ端末４００のアプリ４０１での該当クーポンの利用指示や、加盟店での該当クーポンの利用情報を、決済管理システム１００が該当装置（ユーザ端末４００や加盟店の決済端末２００など）から取得するごとにインクリメントされる値となる。 The number of issued coupons is the number of coupons issued for the member store. This value is used by the payment management system 100 for the corresponding device (such as the user terminal 400 or the payment terminal 200 of the member store) for the usage instruction of the corresponding coupon in the application 401 of the user terminal 400 or the usage information of the corresponding coupon in the member store. The value is incremented each time it is acquired from.
　また、キャッシュバック額は、当該クーポンにおけるインセンティブの内容であって、特に修正等（後述するフロー例４での処理）を行わない段階では、クーポン発行ルール情報１１８の該当クーポンにおける「決済単位でのクーポン」のキャッシュバック金額の値がデフォルト値として設定される。 In addition, the cashback amount is the content of the incentive in the coupon, and at a stage where no correction or the like (processing in Flow Example 4 described later) is performed, the cashback amount in the coupon issue rule information 118 is set to “in payment unit”. The value of the cashback amount of "coupon" is set as a default value.
　また図７に、本実施形態のエリアスコアリング情報１２０のデータ構成例を示す。このエリアスコアリング情報１２０は、上述のクーポン発行対象店舗情報１１９で設定した各エリアに関する情報を格納したテーブルである。 Further, FIG. 7 shows a data configuration example of the area scoring information 120 of the present embodiment. The area scoring information 120 is a table that stores information about each area set in the coupon issue target store information 119 described above.
　そのデータ構造は、エリアをキーとして、期間、合計決済金額、合計決済回数、および非現金エリアスコアといった値を対応付けたレコードの集合体である。 The data structure is a set of records in which values such as period, total settlement amount, total settlement count, and non-cash area score are associated with the area as a key.
　このうち期間は、当該エリアに関して処理対象とした情報の取得期間である。この情報は、加盟店管理情報１１６における、該当期間における合計決済金額および合計決済回数、加盟店スコアの各情報である。 ▽ Of these, the period is the acquisition period of the information that was processed for the area. This information is information about the total amount of payment, the total number of payments, and the member store score in the member store management information 116 during the relevant period.
　また、合計決済金額は、当該エリアにおける各加盟店での合計決済金額（加盟店管理情報１１６における該当加盟店らの合計決済金額の集計値）である。 Further, the total settlement amount is the total settlement amount at each member store in the area (the total settlement amount of the corresponding member stores in the member store management information 116).
　また、合計決済回数は、当該エリアにおける各加盟店での合計決済回数（加盟店管理情報１１６における該当加盟店らの合計決済回数の集計値）である。 Further, the total number of payments is the total number of payments at each member store in the area (total value of the total number of payments of the member stores in the member store management information 116).
　また、非現金エリアスコアは、こうした合計決済金額および合計決済回数に基づく、該当エリアにおけるクレジットカード決済機会の浸透の度合いを示すものである。 Also, the non-cash area score indicates the degree of penetration of credit card payment opportunities in the area based on the total payment amount and the total number of payments.
　また図８に、本実施形態の非現金エリアスコアクーポン調整情報１２１のデータ構成例を示す。この非現金エリアスコアクーポン調整情報１２１は、クーポン発行ルール情報１１８のみ（すなわち「条件」で規定されている、合計決済金額と該当エリアの都心／田舎）に基づき一旦特定したクーポン内容を、該当エリアにおける非現金エリアスコアに応じて調整する情報を規定したものとなる。 Further, FIG. 8 shows a data configuration example of the non-cash area score coupon adjustment information 121 of the present embodiment. In this non-cash area score coupon adjustment information 121, the coupon content once specified based on only the coupon issue rule information 118 (that is, the total settlement amount and the city center/countryside of the area defined in “conditions”) It defines information to be adjusted according to the non-cash area score in.
　そのデータ構造は、条件をキーとして、当該条件におけるクーポン内容の補正値を対応付けたレコードの集合体である。図８の例では、条件として非現金エリアスコアの範囲に対して、補正値としてキャッシュバック金額の減額／増額の値を規定している。 The data structure is a set of records in which the correction value of the coupon content under the condition is associated with the condition as a key. In the example of FIG. 8, the value of reduction/increase of cash back amount is defined as the correction value for the range of the non-cash area score as the condition.
　また図９に、本実施形態の加盟店相関係数情報１２２のデータ構成例を示す。この加盟店相関係数情報１２２は、互いに隣接する店舗の間における、訪問およびそれに伴う購入の連続性の強さに対応した相関係数を格納したテーブルである。 Further, FIG. 9 shows a data configuration example of the member store correlation coefficient information 122 of the present embodiment. The member store correlation coefficient information 122 is a table that stores the correlation coefficient corresponding to the strength of the continuity of visits and purchases accompanying the stores adjacent to each other.
　そのデータ構造は、相関の組を成す業種に対応したＭＣＣのセット（ＭＣＣ１およびＭＣＣ２）をキーとして、当該ＭＣＣのセットにおけ相関係数を対応付けたレコードの集合体である。 The data structure is a set of records in which the correlation coefficient is associated with the set of MCC, with the set of MCC (MCC1 and MCC2) corresponding to the type of industry forming a correlation set as a key.
　図９の例では、雑貨店とカフェという業種セットに関して、当該業種の隣接店舗の間における、訪問およびそれに伴う購入の連続性の強さを示す相関係数が「０．６」である、と規定されている。 In the example of FIG. 9, regarding the type of industry set of a general store and a cafe, the correlation coefficient indicating the strength of continuity of visits and purchases accompanying it between adjacent stores of the industry is “0.6”. It is prescribed.
　また図１０に、本実施形態の加盟店相関クーポン調整情報１２３のデータ構成例を示す。この加盟店相関クーポン調整情報１２３は、クーポン発行ルール情報１１８のみ（すなわち「条件」で規定されている、合計決済金額と該当エリアの都心／田舎）に基づき一旦特定したクーポン内容、またはこのクーポン内容を上述の非現金エリアスコアクーポン調整情報１２１に基づき補正したもの、のいずれかを、処理対象の加盟店の隣接店舗における加盟店スコアと、当該加盟店と隣接店舗との間の相関係数とに応じて調整する情報を規定したものとなる。 Further, FIG. 10 shows a data configuration example of the member store correlation coupon adjustment information 123 of the present embodiment. The member store correlation coupon adjustment information 123 is the coupon content once specified based on only the coupon issue rule information 118 (that is, the total settlement amount and the city center/countryside of the area defined by the “condition”), or this coupon content. Which is corrected based on the above-mentioned non-cash area score coupon adjustment information 121, and a member store score in the adjacent store of the processing target member store, and a correlation coefficient between the member store and the adjacent store. It defines the information to be adjusted according to.
　そのデータ構造は、条件をキーとして、当該条件におけるクーポン内容の補正値を対応付けたレコードの集合体である。図１０の例では、条件として隣接店舗の加盟店スコアの範囲に対して、補正値としてキャッシュバック金額の減額／増額の値を規定している。 The data structure is a set of records in which the correction value of the coupon content under the condition is associated with the condition as a key. In the example of FIG. 10, as a condition, a reduction/increase value of the cashback amount is defined as a correction value with respect to a range of member store scores of adjacent stores.
　また図１１に、本実施形態の残時間クーポン調整情報１２４のデータ構成例を示す。この残時間クーポン調整情報１２４は、クーポン発行ルール情報１１８のみ（すなわち「条件」で規定されている、合計決済金額と該当エリアの都心／田舎）に基づき一旦特定したクーポン内容、または、このクーポン内容を上述の非現金エリアスコアクーポン調整情報１２１に基づき補正したもの、或いは、これらクーポン内容を上述の加盟店相関クーポン調整情報１２３に基づく補正したもの、のいずれかを、現在から月末や年度末など所定の目標期日までの残り期間に応じて調整する情報を規定したものとなる。 Further, FIG. 11 shows a data configuration example of the remaining time coupon adjustment information 124 of the present embodiment. The remaining time coupon adjustment information 124 is the coupon content once specified based on only the coupon issue rule information 118 (that is, the total payment amount and the city center/countryside of the area defined by the “condition”), or this coupon content. Is corrected based on the above-mentioned non-cash area score coupon adjustment information 121, or these coupon contents are corrected based on the above-mentioned member store correlation coupon adjustment information 123. It defines information to be adjusted according to the remaining period until the predetermined target date.
　そのデータ構造は、条件をキーとして、当該条件におけるクーポン内容の補正値を対応付けたレコードの集合体である。図１１の例では、条件として上述の残り期間の範囲に対して、補正値としてキャッシュバック金額の減額／増額の値を規定している。 The data structure is a set of records in which the correction value of the coupon content under the condition is associated with the condition as a key. In the example of FIG. 11, as a condition, a reduction/increase value of the cashback amount is defined as a correction value for the range of the above remaining period.
　また図１２に、本実施形態の決済残高クーポン調整情報１２５のデータ構成例を示す。この決済残高クーポン調整情報１２５は、クーポン発行ルール情報１１８のみ（すなわち「条件」で規定されている、合計決済金額と該当エリアの都心／田舎）に基づき一旦特定したクーポン内容、または、このクーポン内容を上述の非現金エリアスコアクーポン調整情報１２１に基づき補正したもの、或いは、これらクーポン内容を上述の加盟店相関クーポン調整情報１２３に基づく補正したもの、または、これらクーポン内容を上述の残時間クーポン調整情報１２４に基づき補正したもの、のいずれかを、エリアや加盟店ごとに予め定めた目標決済金額の未達額に応じて調整する情報を規定したものとなる。 Further, FIG. 12 shows a data configuration example of the settlement balance coupon adjustment information 125 of the present embodiment. The settlement balance coupon adjustment information 125 is the coupon content once specified based on only the coupon issue rule information 118 (that is, the total settlement amount and the city center/countryside of the area defined in the “condition”), or this coupon content. Is corrected based on the non-cash area score coupon adjustment information 121 described above, or these coupon contents are corrected based on the member store correlation coupon adjustment information 123 described above, or these coupon contents are adjusted to the remaining time coupon described above. Information that adjusts one of the items corrected based on the information 124 according to the unachieved amount of the target payment amount that is predetermined for each area or member store is defined.
　そのデータ構造は、条件をキーとして、当該条件におけるクーポン内容の補正値を対応付けたレコードの集合体である。図１２の例では、条件として上述の未達額の範囲に対して、補正値としてキャッシュバック金額の減額／増額の値を規定している。
－－－フロー例１（メインフロー）－－－
　以下、本実施形態における決済管理方法の実際手順について図に基づき説明する。以下で説明する決済管理方法に対応する各種動作は、決済管理システム１００がメモリ等に読み出して実行するプログラムによって実現される。そして、このプログラムは、以下に説明される各種の動作を行うためのコードから構成されている。 The data structure is a set of records in which the correction value of the coupon content under the condition is associated with the condition as a key. In the example of FIG. 12, as a condition, a reduction/increase value of the cashback amount is defined as a correction value with respect to the above-mentioned unachieved amount range.
--- Flow example 1 (main flow) ---
The actual procedure of the payment management method according to this embodiment will be described below with reference to the drawings. Various operations corresponding to the payment management method described below are realized by a program that the payment management system 100 reads into a memory or the like and executes. The program is composed of codes for performing various operations described below.
　図１３は、本実施形態における決済管理方法のフロー例１を示す図である。ここではまず、決済管理方法におけるメインフローについて説明する。 FIG. 13 is a diagram showing a flow example 1 of the payment management method in the present embodiment. Here, first, the main flow of the payment management method will be described.
　まず決済管理システム１００は、各加盟店に備わる決済端末２００に関して、スコアリングすなわち決済端末スコアリングを実行する（ｓ１）。この決済端末スコアリングの詳細は図１４に基づき後述する。 First, the payment management system 100 performs scoring, that is, payment terminal scoring, on the payment terminals 200 provided in each member store (s1). Details of this settlement terminal scoring will be described later with reference to FIG.
　続いて、決済管理システム１００は、上述のｓ１での決済端末スコアリングの結果を踏まえ、加盟店のうちクーポン発行対象となる店舗を決定する（ｓ２）。このクーポン発行対象の決定の詳細については、図１５に基づき後述する。 Next, the payment management system 100 determines the store to which the coupon is issued among the member stores based on the result of the settlement terminal scoring in s1 described above (s2). Details of the determination of the coupon issue target will be described later with reference to FIG.
　また、決済管理システム１００は、ｓ２で決定したクーポン発行対象の加盟店に関して、その発行クーポンの内容を決定する（ｓ３）。このクーポン値決定の詳細については、図１６、１７に基づき後述する。 Further, the payment management system 100 determines the contents of the issued coupon regarding the member store for which the coupon is issued determined in s2 (s3). Details of this coupon value determination will be described later with reference to FIGS.
　続いて、決済管理システム１００は、ｓ３までで発行対象や内容が決定したクーポンの情報を、ユーザ端末４００のアプリ４０１に配信して表示させ（ｓ４）、処理を終了する。 Subsequently, the payment management system 100 distributes and displays the information of the coupon whose issue target and content are determined up to s3 to the application 401 of the user terminal 400 (s4), and ends the process.
　以下、上述のｓ１～ｓ４の各処理の詳細について説明する。
－－－フロー例２（決済端末スコアリングのフロー）－－－
　図１４Ａに、本実施形態における決済管理方法のフロー例２を示す。この場合、決済管理システム１００は、ＰＯＳ取引履歴情報１１５が示す、各加盟店の各決済端末に関する合計決済金額および合計決済回数の各値を、加盟店単位で集計し、加盟店管理情報１１６における「合計決済額」および「合計決済回数」をそれぞれ算出して加盟店スコアを算定する（ｓ１０）。 Hereinafter, the details of each processing of the above s1 to s4 will be described.
--- Flow example 2 (settlement terminal scoring flow) ---
FIG. 14A shows a flow example 2 of the payment management method in the present embodiment. In this case, the payment management system 100 aggregates the values of the total payment amount and the total number of payments for each payment terminal of each member store, which is indicated by the POS transaction history information 115, for each member store, and in the member store management information 116. The "total payment amount" and the "total payment count" are calculated to calculate the member store score (s10).
　この加盟店スコアの算定は、例えば、合計決済金額が、０～１００円の範囲で５点、１０１～２００円の範囲で１０点、２０１～５００円の範囲で２０点、５０１～３０００円の範囲で３０点、３００１～２００００円の範囲で４０点、２０００１円以上で５０点、また、合計決済回数が、０～２回の範囲で５点、３～９回の範囲で１０点、１０～２０回の範囲で２０点、２１～５０回の範囲で３０点、５１～１００回の範囲で４０点、１０１回以上で５０点、といったルールの下、合計決済金額と合計決済回数のそれぞれについての点数を合計し、加盟店スコアとする形態を想定できる。 This member store score is calculated, for example, when the total settlement amount is 5 points in the range of 0 to 100 yen, 10 points in the range of 101 to 200 yen, 20 points in the range of 201 to 500 yen, and 501 to 3000 yen. 30 points in the range, 40 points in the range of 3001 to 20000 yen, 50 points in the range of 20001 yen or more, and 5 points in the range of 0 to 2 times, 10 points in the range of 3 to 9 times, 10 Under the rules of 20 points for 20 times, 30 points for 21 to 50 times, 40 points for 51 to 100 times, and 50 points for 101 times or more, the total settlement amount and the total number of settlements, respectively. It is possible to envision a form in which the member stores score is obtained by summing up the scores of the above.
　続いて、決済管理システム１００は、図１４Ｂにおけるエリアスコアリングのイメージ１４００で例示するように、予め規定の長さ単位(例：市をいくつか分割する程度の距離に対応したもの)で、所定の地図情報における該当地区を格子状に区画し、決済エリア１４０１として矩形領域を生成する（ｓ１１）。 Subsequently, the payment management system 100, as illustrated in the image 1400 of area scoring in FIG. 14B, has a predetermined length unit (e.g., a unit corresponding to a distance that divides the city into several) in advance. The corresponding area in the map information of (1) is divided into a grid, and a rectangular area is generated as the settlement area 1401 (s11).
　また、決済管理システム１００は、上述の決済エリア１４０１内に所在する加盟店を、加盟店管理情報１１６における住所欄の値を上述の地図情報に照合することで特定し、該当加盟店の合計決済額と合計決済回数（ｓ１０の加盟店スコアの算定に伴い算出している）を所定期間について集計し、その集計値に基づいて非現金エリアスコアを算定する（ｓ１２）。 Further, the payment management system 100 identifies the member store located in the above-mentioned payment area 1401 by collating the value of the address column in the member store management information 116 with the above map information, and the total payment of the member store. The amount and the total number of payments (calculated along with the calculation of the member store score in s10) are totaled for a predetermined period, and the non-cash area score is calculated based on the totaled value (s12).
　この非現金エリアスコアの算定に際し、例えば、該当決済エリア１４０１に関する合計決済金額が、０～５０００円の範囲で５点、５００１～１５０００円の範囲で１０点、１５０１～３００００円の範囲で１５点、３０００１～６００００円の範囲で２０点、６０００１～１０００００円の範囲で３５点、１００００１円以上で５０点、また、合計決済回数が、０～２００回の範囲で５点、２０１～１０００回の範囲で１０点、１００１～１５０００回の範囲で２０点、１５００１～３０００回の範囲で３０点、３００１～５０００回の範囲で４０点、５００１回以上で５０点、といったルールの下、合計決済金額と合計決済回数のそれぞれについての点数を合計し、非現金エリアスコアとする形態を想定できる。 In calculating the non-cash area score, for example, the total settlement amount for the settlement area 1401 is 5 points in the range of 0 to 5000 yen, 10 points in the range of 5001 to 15000 yen, and 15 points in the range of 1501 to 30000 yen. 20 points in the range of 30001 to 60,000 yen, 35 points in the range of 60001 to 100,000 yen, 50 points in the range of 100001 yen or more, and 5 points in the range of 0 to 200 times, 201 to 1000 times Under the rules such as 10 points in the range, 20 points in the range of 1001 to 15000 times, 30 points in the range of 15001 to 3000 times, 40 points in the range of 3001 to 5000 times, and 50 points in the range of 5001 times or more, the total settlement amount. It is possible to envisage a form in which the points for each of the above and the total number of payments are summed up to obtain a non-cash area score.
　続いて、決済管理システム１００は、ｓ１２で算定した非現金エリアスコアを、エリアスコアリング情報１２０における「非現金エリアスコア」欄に格納する（ｓ１３）。 Next, the payment management system 100 stores the non-cash area score calculated in s12 in the "non-cash area score" column in the area scoring information 120 (s13).
　また、決済管理システム１００は、加盟店管理情報１１６における、同じ決済エリアに所在する（好ましくは隣接する）各加盟店のＭＣＣ単位での組合せに対し、当該組み合わせに属する加盟店間の合計決済金額の相関分析を、例えば、データ分析エンジン１０９が保持する相関分析用のアルゴリズムで実行し、その分析結果を加盟店相関係数情報１２２に格納し（ｓ１４）、処理を終了する。 Further, the payment management system 100, for the combination of MCC units of each member store located in the same payment area (preferably adjacent) in the member store management information 116, the total amount of payment between member stores belonging to the combination. The correlation analysis of (1) is executed by the correlation analysis algorithm held by the data analysis engine 109, the analysis result is stored in the member store correlation coefficient information 122 (s14), and the process is ended.
　例えば、或る決済エリア１４０１に所在し、ＭＣＣが雑貨店に対応した値を持つ或る加盟店とカフェに対応した値を持つ或る加盟店との組を、加盟店管理情報１１６に基づき所定数生成し、各組を構成する加盟店それぞれの合計決済金額（例：同日に関するもの）の関係性の強さを相関係数として分析する。つまり、或る種別の加盟店と或る種別の加盟店のそれぞれにおいて、各日の合計決済金額が共に高くなっている正の相関、または各日の合計決済金額が共に低くなっている負の相関、のいずれかがあるか、或いは、各日の合計決済金額に関して該当種別の組では一貫性がないか、についてその程度を判定する。 For example, based on the member store management information 116, a set of a member store located in a settlement area 1401 and having an MCC value corresponding to a general store and a member store having a value corresponding to a cafe is predetermined based on the member store management information 116. Generate a number and analyze the strength of the relationship between the total payment amounts (eg, for the same day) of each member store that constitutes each group as a correlation coefficient. That is, in each of the member store of a certain type and the member store of a certain type, the positive correlation in which the total settlement amount for each day is high or the total settlement amount for each day is negative is negative. Whether there is a correlation or whether there is inconsistency in the set of the relevant type with respect to the total settlement amount for each day is judged.
　こうして特定した非現金エリアスコアや、相関係数は、以後のクーポンの値決定フローにて適宜活用されることになる。
－－－フロー例３（クーポン発行対象の決定フロー）－－－
　続いて、クーポン発行対象の決定手順について説明する。この場合、決済管理システム１００は、クーポン発行ルール情報１１８を参照し、「優先度」順（"１"を最優先にする）で当該「条件」を、各加盟店における合計決済金額およびエリア区分の各情報（加盟店管理情報１１６から取得）と順次比較する（ｓ２０）。 The non-cash area score and the correlation coefficient thus identified are appropriately utilized in the subsequent coupon value determination flow.
--- Flow example 3 (Coupon issuance target decision flow) ---
Next, a procedure for determining a coupon issue target will be described. In this case, the payment management system 100 refers to the coupon issuance rule information 118, and sets the “condition” in the “priority” order (“1” is given the highest priority) in the total payment amount and area classification in each member store. The information is sequentially compared with each information (acquired from the member store management information 116) (s20).
　例えば、加盟店管理情報１１６におけるＭＩＤ「１２３」の加盟店におけるエリア区分「都会」、合計決済金額「４００」円と、クーポン発行ルール情報１１８における優先度「１」のルールにおける条件「ＰＯＳの取引合計金額が０円以下」に照合した場合、当該ルールの条件は該当加盟店の状況と一致する結果となる。 For example, the area classification “city” in the member store of MID “123” in the member store management information 116, the total settlement amount “400” yen, and the condition “POS transaction” in the rule of priority “1” in the coupon issue rule information 118. When the total amount is 0 yen or less", the conditions of the rule result in matching with the situation of the relevant member store.
　なお、上述の加盟店におけるエリア区分「都会」、合計決済金額「４００」円と、クーポン発行ルール情報１１８における優先度「２」のルールにおける条件「都心エリアで、ＰＯＳの取引合計金額が４００００円以下」に照合した場合、当該ルールの条件は該当加盟店の状況に一致しない結果となる。 It should be noted that the area classification “city” in the above-mentioned member store, the total settlement amount “400” yen, and the condition “rule of priority 2” in the coupon issuing rule information 118 “in the central area, the total amount of POS transactions is 40,000 yen”. If the following is checked, the condition of the rule will not match the situation of the relevant member store.
　上述の比較の結果、処理対象の加盟店に関して、クーポン発行ルール情報１１８におけるいずれのルールも一致が認められないことが判明した場合（ｓ２１：条件に一致しない）、決済管理システム１００はクーポン不発行を決定し（ｓ２２）、処理を終了する。 As a result of the above comparison, when it is found that no match is found in the coupon issue rule information 118 for the member store to be processed (s21: condition is not met), the payment management system 100 does not issue a coupon. Is determined (s22), and the process ends.
　一方、上述の比較の結果、処理対象の加盟店に関して、クーポン発行ルール情報１１８におけるいずれかのルールと一致が認められることが判明した場合（ｓ２１：条件に一致する）、決済管理システム１００は、該当ルールにおける「目標決済収益」を達成出来るか判定する（ｓ２３）。 On the other hand, as a result of the above comparison, when it is found that the member store to be processed matches with any rule in the coupon issuance rule information 118 (s21: matches the condition), the payment management system 100: It is determined whether the “target settlement income” in the corresponding rule can be achieved (s23).
　この判定に際し、決済管理システム１００は、まず、該当ルールにおける「目標決済金額」の値までの残り決済残高を、「クーポン発行チケットサイズ」の値で除算することで、クーポン発行必要枚数を算定する。ここで、残り決済残高は、当該ルールの「目標決済金額」の値から、該当加盟店における合計決済金額の値（加盟店管理情報１１６から抽出）を差し引いた値が該当する。 In making this determination, the settlement management system 100 first calculates the required number of coupons to be issued by dividing the remaining settlement balance up to the "target settlement amount" value in the applicable rule by the "coupon issue ticket size" value. .. Here, the remaining settlement balance corresponds to a value obtained by subtracting the value of the total settlement amount of the relevant member store (extracted from the member store management information 116) from the value of the “target settlement amount” of the rule.
　例えば、クーポン発行ルール情報１１８における「クーポン２」が、ある加盟店の状況に一致するとｓ２０で判定できたとする。また、この加盟店の合計決済金額が、加盟店管理情報１１６によれば「２００００円」であったとする。すると決済管理システム１００は、この加盟店に関して、「クーポン２」のルールにおける「目標決済金額」の値「４００００円」までの残り決済残高を、４００００円－２００００円＝２００００円、と算定できる。 For example, it is assumed that the “coupon 2” in the coupon issuing rule information 118 can be determined in s20 to match the situation of a member store. Further, it is assumed that the total payment amount of this member store is “20,000 yen” according to the member store management information 116. Then, the payment management system 100 can calculate the remaining payment balance up to the value “40000 yen” of the “target payment amount” in the rule of “coupon 2” for this member store as 40000 yen−20000 yen=20000 yen.
　そこで、決済管理システム１００は、残り決済残高「２００００円」を、「クーポン２」の「クーポン発行チケットサイズ」の「２００円」で除算し、クーポン発行必要枚数を「１００枚」と算定することになる。 Therefore, the settlement management system 100 divides the remaining settlement balance "20,000 yen" by "200 yen" of "coupon issue ticket size" of "coupon 2" to calculate the required number of coupon issuance as "100". become.
　また、決済管理システム１００は、該当ルールにおける「決済単位でのクーポン期待値」の値に、上述のクーポン発行必要枚数の値を乗算した値（以下、発行必要クーポン金額）と、「目標決済収益」の値とを比較する。 In addition, the payment management system 100 multiplies the value of the “expected coupon value in payment unit” in the corresponding rule by the value of the above-mentioned required number of coupons to be issued (hereinafter referred to as the required coupon amount), and the “target payment income”. Value of.
　上述の例であれば、「クーポン２」の「決済単位でのクーポン期待値」の「１０」円に、クーポン発行必要枚数の値「１００」枚を乗算して得た発行必要クーポン金額「１０００円」と、「クーポン２」の「目標決済収益」の値「５００」円とを比較することになる。 In the above example, the required coupon amount "1000" that is obtained by multiplying the "expected coupon value in payment unit" "10" yen of "Coupon 2" by the value "100" of the required coupon coupon number The “yen” is compared with the value “500” yen of the “target settlement income” of the “coupon 2”.
　こうした比較の結果、発行必要クーポン金額すなわちクーポン発行のコストが目標決済収益以下であるば（ｓ２２：ＯＫ）、決済管理システム１００は、当該クーポンの発行を決定し、該当加盟店の情報をクーポン発行対象店舗情報１１９に登録し（ｓ２１）、処理を終了する。 As a result of the comparison, if the required coupon amount to issue, that is, the cost of issuing the coupon is less than or equal to the target settlement income (s22: OK), the settlement management system 100 decides to issue the coupon and issues the information of the corresponding member store. It is registered in the target store information 119 (s21), and the process ends.
　一方、上述の比較の結果、発行必要クーポン金額すなわちクーポン発行のコストが目標決済収益を超える場合（ｓ２２：ＮＧ）、決済管理システム１００は、当該クーポンの不発行を決定し（ｓ２３）、処理を終了する。
－－－フロー例４（クーポンの値決定フロー）－－－
　上述までのフローで示したように、加盟店や非現金エリア１４０１の特性等に基づき、クーポン発行ルールに沿ったクーポンの発行対象店舗が特定できる。そこで、こうして発行を決定したクーポンに関して、その内容を確定させるフローについて説明する。 On the other hand, as a result of the above-mentioned comparison, when the required coupon amount to be issued, that is, the cost of issuing the coupon exceeds the target settlement profit (s22: NG), the settlement management system 100 determines not to issue the coupon (s23), and executes the process. finish.
--- Flow example 4 (Coupon value determination flow) ---
As shown in the above-described flow, it is possible to specify the coupon issue target store according to the coupon issue rule based on the characteristics of the member store and the non-cash area 1401. Therefore, a flow of fixing the contents of the coupon thus decided will be described.
　この場合、決済管理システム１００は、クーポン発行対象店舗情報１１９から、上述のフロー例３でクーポン発行対象とされた加盟店の情報と発行クーポンの情報を抽出する（ｓ３０）。 In this case, the payment management system 100 extracts, from the coupon issue target store information 119, information on the member store that is the coupon issue target in the above flow example 3 and the issue coupon information (s30).
　続いて、決済管理システム１００は、加盟店管理情報１１６における当該加盟店の加盟店スコア、およびエリアスコアリング情報１２０における当該加盟店が所属する非現金エリアの非現金エリアスコアとを参照し、予め定めた所定の条件に応じて、ｓ３０で得ているキャッシュバック額を調整する（ｓ３１）。 Subsequently, the payment management system 100 refers to the member store score of the member store in the member store management information 116 and the non-cash area score of the non-cash area to which the member store belongs in the area scoring information 120, in advance, The cashback amount obtained in s30 is adjusted according to the predetermined condition (s31).
　例えば、当該加盟店の所在する非現金エリアは、非現金エリアスコアが所定基準（例：６０）より高いエリアであり、かつ、当該加盟店における合計決済金額が所定基準（例：１０００円）より低い場合、その加盟店を発行対象としているクーポンのキャッシュバック額（ｓ３０で得ている金額）を、所定ルール（例：現在値より１０％減）に基づき低減する。 For example, the non-cash area where the member store is located is an area where the non-cash area score is higher than a predetermined standard (eg: 60), and the total settlement amount at the member store is based on the predetermined standard (eg: 1000 yen). If the value is low, the cashback amount (the amount obtained in s30) of the coupon for which the member store is issued is reduced based on a predetermined rule (eg, 10% reduction from the current value).
　一方、当該加盟店の所在する非現金エリアは、非現金エリアスコアが所定基準（例：３０）より低いエリアである場合、その加盟店を発行対象としているクーポンのキャッシュバック額（ｓ３０で得ている金額）を、所定ルール（例：現在値より２０％増）に基づき割増しする。 On the other hand, when the non-cash area where the member store is located is an area where the non-cash area score is lower than a predetermined standard (example: 30), the cash back amount of the coupon for which the member store is issued (obtained in s30 The amount of money that has been added is increased based on a predetermined rule (eg, 20% increase from the current value).
　こうしたキャッシュバック額の増減修正の意図は、非現金決済がこれまでもよく利用され、十分浸透している地区であれば、発行クーポンにおけるキャッシュバック等のインセンティブ内容を過度に高めずとも、非現金決済を想定している消費者の到来が期待されるが、一方、非現金決済がこれまで殆ど利用されておらず、十分浸透していない地区であれば、発行クーポンにおけるキャッシュバック等のインセンティブを十分高めて魅力的なものとし、非現金決済を指向する消費者を誘引することを狙う、といった概念がベースになる。 The intention to increase or decrease the cash back amount is to use non-cash payments in areas where non-cash payments have been used well and are sufficiently widespread, even if the incentive content such as cash back in issued coupons is not excessively increased. Consumers who expect payments are expected to arrive, but on the other hand, in areas where non-cash payments have rarely been used and have not penetrated sufficiently, incentives such as cash back in issued coupons are provided. It is based on the concept of making it sufficiently attractive and attractive and aiming to attract consumers who are oriented toward non-cash payments.
　続いて、決済管理システム１００は、上述の加盟店とその隣接店舗とに関して、加盟店相関クーポン調整情報１２３に基づいて、ｓ３１を経たキャッシュバック額を調整する（ｓ３２）。 Subsequently, the payment management system 100 adjusts the cashback amount after s31 for the above-mentioned member store and its adjacent store based on the member store correlation coupon adjustment information 123 (s32).
　この場合の決済管理システム１００は、上述の加盟店のＭＣＣ（加盟店種別）と、その隣接店舗のＭＣＣ（加盟店種別）および加盟店スコアとを加盟店管理情報１１６にて参照して、このうち両加盟店のＭＣＣの組を、加盟店相関係数情報１２２の各レコードに照合し、該当ＭＣＣの組に関して相関係数を取得する。 In this case, the payment management system 100 refers to the MCC (member store type) of the member store, the MCC (member store type) and the member store score of the adjacent store in the member store management information 116, and Of these, the MCC sets of both member stores are collated with each record of the member store correlation coefficient information 122, and the correlation coefficient is acquired for the corresponding MCC set.
　また、決済管理システム１００は、隣接店舗の加盟店スコアと上述の相関係数の情報を、加盟店相関クーポン調整情報１２３における各条件に照合し、一致する条件（例：隣接店舗の加盟店スコアが６０以上、かつ相関係数が０．６以上）が示す補正値の内容（例：キャッシュバック金額２円減額）でキャッシュバック額を調整する。 Further, the payment management system 100 collates the member store score of the adjacent store and the above-described correlation coefficient information with each condition in the member store correlation coupon adjustment information 123, and a matching condition (eg, member store score of the adjacent store). Is 60 or more and the correlation coefficient is 0.6 or more), the cashback amount is adjusted by the content of the correction value (for example, the cashback amount is reduced by 2 yen).
　続いて、決済管理システム１００は、現在から月末や年度末など所定の目標期日までの残り時間を、残時間クーポン調整情報１２４に照合し、残り時間が該当する条件における「補正値」に応じて、当該加盟店向けのクーポンにおけるキャッシュバック額を調整する（ｓ３３）。 Subsequently, the payment management system 100 collates the remaining time from the present time until a predetermined target date such as the end of the month or the end of the year with the remaining time coupon adjustment information 124, and according to the “correction value” in the condition where the remaining time corresponds. , Adjust the cash back amount in the coupon for the member store (s33).
　また、決済管理システム１００は、該当加盟店における残り決済残高（ｓ２１で得ているもの）を、決済残高クーポン調整情報１２５を参照し、残り決済残高が該当する条件における「補正値」に応じて、当該加盟店向けのクーポンにおけるキャッシュバック額を調整する（ｓ３４）。 Further, the payment management system 100 refers to the payment balance coupon adjustment information 125 for the remaining payment balance (obtained in s21) at the relevant member store, and according to the "correction value" in the condition that the remaining payment balance is applicable. The cash back amount in the coupon for the member store is adjusted (s34).
　続いて、決済管理システム１００は、想定発行金額を超えて、クーポンを発行していないか判定する（ｓ３５）。 Next, the payment management system 100 determines whether or not a coupon has been issued in excess of the expected issue amount (s35).
　この場合、決済管理システム１００は、ｓ２１で算定しているクーポン発行必要枚数にクーポン発行チケットサイズの値を乗算した「クーポン発行予定累計金額」に対し、加盟店管理情報１１６における「発行枚数」の値にクーポン発行チケットサイズの値を乗算した「現在までの発行済クーポンの累計金額」を差し引きして、当該クーポンの残り発行予定額を算定する。また、決済管理システム１００は、クーポン発行ルール情報１１８における該当クーポンに関する「決済単位でのクーポン期待値」の値に上述の発行枚数を乗算した「クーポンの発行限界額」を算定する。 In this case, the payment management system 100 sets the “issued number” in the member store management information 116 to the “coupon issuance cumulative amount” obtained by multiplying the coupon issuance required number calculated in s21 by the coupon issue ticket size value. The value is multiplied by the value of the coupon issue ticket size, and the "cumulative amount of issued coupons up to now" is deducted to calculate the remaining issue amount of the coupon. Further, the payment management system 100 calculates the “coupon issuance limit amount” by multiplying the value of the “expected coupon value in payment unit” for the relevant coupon in the coupon issuance rule information 118 by the above-mentioned issued number of coupons.
　そして、決済管理システム１００は、上述の残り発行予定額とクーポンの発行限界額とを比較し、残り発行予定額がクーポンの発行限界額を超過している場合（ｓ３５：予定クーポンの発行金額が収益を超過）、決済管理システム１００は、上述の超過が解消されるよう、例えば、当該クーポンのクーポン発行チケットサイズの値を減額し（ｓ３６）、処理を終了する。この減額は、クーポン発行予定累計金額から超過分を減算した金額を、クーポン発行必要枚数で除算することで算定できる。 Then, the payment management system 100 compares the above-mentioned remaining issuance planned amount with the coupon issuance limit amount, and when the remaining expected issuance amount exceeds the coupon issuance limit amount (s35: the planned coupon issuance amount is When the profit is exceeded), the payment management system 100 reduces the value of the coupon issue ticket size of the coupon, for example, so that the above-mentioned excess is resolved (s36), and ends the process. This reduction can be calculated by dividing the total amount of coupons planned to be issued by subtracting the excess amount by the required number of coupons to be issued.
　一方、上述の比較の結果、残り発行予定額がクーポンの発行限界額を下回っている　　場合（ｓ３５：予定クーポンの発行金額以下）、決済管理システム１００は、該当金額（クーポン発行チケットサイズ）のクーポンを発行し（ｓ３７）、処理を終了する。 On the other hand, as a result of the above comparison, when the remaining expected issue amount is less than the coupon issue limit amount (s35: less than or equal to the scheduled coupon issue amount), the payment management system 100 determines that the coupon has the corresponding amount (coupon issue ticket size). Is issued (s37), and the process ends.
　このように、クーポンの発行内容に関して、種々の要素に関して勘案し修正を行うと、該当クーポンによる消費者の誘引や消費行動をさらに精度良く活発化することが期待される。
－－－フロー例５（クーポンの表示フロー）－－－
　続いて、上述のように発行されるクーポンを受信、表示するユーザ端末４００における処理について説明する。 As described above, if the coupon issuance content is modified in consideration of various factors, it is expected that the attraction and consumption behavior of the consumer by the corresponding coupon can be activated more accurately.
--- Flow example 5 (Coupon display flow) ---
Next, a process in the user terminal 400 that receives and displays the coupon issued as described above will be described.
　ここで、消費者であるユーザが、そのユーザ端末４００を操作し、決済管理システム１００のアプリ管理部１１０にアクセスして、アプリ４０１をダウンロードし、ユーザ端末４００におけるインストール操作を行ったとする。 Here, it is assumed that a user who is a consumer operates the user terminal 400, accesses the application management unit 110 of the payment management system 100, downloads the application 401, and performs an installation operation on the user terminal 400.
　その場合、ユーザ端末４００は、当該アプリ４０１のインストール処理を実行し、当該アプリ４０１を起動する（ｓ４０）。 In that case, the user terminal 400 executes the installation process of the application 401 and activates the application 401 (s40).
　なお、こうしたアプリ４０１のインストール処理に伴い、当該ユーザは、自らの識別情報（例：氏名、住所、年齢、など）と、保有するクレジットカードの情報を、アプリ４０１のインターフェイスを介し、決済管理システム１００に対する登録操作を行うものとする。この登録操作の結果、当該ユーザの各種情報が、ユーザ端末４００から決済管理システム１００のユーザ情報１１７に登録される。 It should be noted that, along with the installation process of the application 401, the user provides his/her identification information (eg, name, address, age, etc.) and the information of the credit card to be held, through the interface of the application 401 and the payment management system. A registration operation for 100 is performed. As a result of this registration operation, various information of the user is registered in the user information 117 of the payment management system 100 from the user terminal 400.
　続いて、ユーザ端末４００は、起動したアプリ４０１のインターフェイスを介して、当該ユーザによる決済カードの選択指示を受け付ける（ｓ４１）。 Subsequently, the user terminal 400 accepts a payment card selection instruction from the user via the interface of the activated application 401 (s41).
　また、ユーザ端末４００のアプリ４０１は、決済管理システム１００のクーポン発行ルール情報１１８にアクセスし、上述の選択指示に応じて、対応するクーポンの情報を決済管理システム１００から取得し、これをマップ画面１０００（図１９参照）にて表示する（ｓ４２）。 Further, the application 401 of the user terminal 400 accesses the coupon issue rule information 118 of the payment management system 100, acquires the information of the corresponding coupon from the payment management system 100 in accordance with the above selection instruction, and displays this on the map screen. It is displayed at 1000 (see FIG. 19) (s42).
　この場合のアプリ４０１は、クーポン発行ルール情報１１８において、ユーザ選択の該当決済カードが「提携カード」欄に規定されているクーポンを特定する。また、アプリ４０１は、ＧＰＳユニット４０３が示す現在位置と「住所」が所定距離内あり、かつ、上述で特定したクーポンを「発行クーポン」欄に含んでいる加盟店をクーポン発行対象店舗情報１１９で特定し、このクーポンおよび加盟店の各情報を、マップ画面１０００に表示させる。つまり、所定のクレジットカードを決済に使用する場合、クーポンが発行される加盟店をマップ画面上で表示させるのである。 In this case, the application 401 identifies a coupon in which the payment card selected by the user is defined in the “affiliation card” column in the coupon issue rule information 118. Further, the app 401 uses the coupon issue target store information 119 to identify a member store whose current position indicated by the GPS unit 403 and the “address” are within a predetermined distance and which includes the coupon specified above in the “issue coupon” column. The information on the coupon and the member store is specified and displayed on the map screen 1000. That is, when a predetermined credit card is used for payment, the member store to which the coupon is issued is displayed on the map screen.
　なお、マップ画面１０００は、図１９で例示するように、ユーザによる決済カードの選択指示を受け付けるプルダウンメニュー１００１、クーポン発行対象の加盟店とクーポンの内容を表示するリスト１００２、および地図表示１００３から構成される。 As illustrated in FIG. 19, the map screen 1000 includes a pull-down menu 1001 that receives a payment card selection instruction from the user, a member store to which the coupon is issued and a list 1002 that displays the contents of the coupon, and a map display 1003. To be done.
　なお、上述の地図表示１００３には、当該ユーザの現在位置を示すアイコン１００４、加盟店の所在地を示すアイコン１００５が配置されている。 The map display 1003 described above includes an icon 1004 indicating the current position of the user and an icon 1005 indicating the location of the member store.
　続いて、アプリ４０１は、マップ画面１０００を介して、上述のユーザによる所望のクーポン指定を受け付けて、当該クーポンの獲得処理を行う（ｓ４３）。この獲得処理は、該当クーポンの情報を、当該ユーザ端末４００の記憶部に格納する処理が該当する。 Next, the application 401 accepts the above-mentioned desired coupon designation by the user via the map screen 1000 and performs the coupon acquisition process (s43). This acquisition process corresponds to the process of storing the information of the coupon in the storage unit of the user terminal 400.
　こうしたユーザが、当該ユーザ端末４００を携行し、該当加盟店を訪れた上、商品購入等に伴う決済処理を指定のクレジットカードで行ったとする。この事象は、例えば、当該加盟店の決済端末２００とアプリ４０１との間で共有されており、アプリ４０１は、当該クーポンの使用に伴う決済で獲得したインセンティブの内容（キャッシュバック）を、表示し（ｓ４４）、処理を終了する。 It is assumed that such a user carries the user terminal 400, visits the relevant member store, and performs a payment process associated with product purchase, etc. with a designated credit card. This event is shared, for example, between the payment terminal 200 of the member store and the application 401, and the application 401 displays the content (cashback) of the incentive acquired in the payment accompanying the use of the coupon. (S44), the process ends.
　以上、本発明を実施するための最良の形態などについて具体的に説明したが、本発明はこれに限定されるものではなく、その要旨を逸脱しない範囲で種々変更可能である。 The best mode for carrying out the present invention has been specifically described above, but the present invention is not limited to this, and various modifications can be made without departing from the gist thereof.
　こうした本実施形態によれば、所定売上に達していない店舗等に関して、その業種や売上内容、所在エリアにおける該当決済手段の浸透や親和性の程度、売上改善の緊急度などに応じて、当該決済手段利用時のインセンティブ内容を決定し、その情報をユーザに配信することで、当該店舗および当該決済手段での決済機会を効率的かつ精度良好に増大させることができる。また、そうした店舗で該当決済手段を利用するユーザとしても、キャッシュバック等のインセンティブを獲得できることになる。 According to the present embodiment, with respect to a store or the like that has not reached the predetermined sales, the payment according to the type of business, the content of sales, the degree of penetration and affinity of the corresponding payment method in the area, the urgency of sales improvement, etc. By determining the incentive contents when using the means and distributing the information to the user, it is possible to efficiently and accurately increase the settlement opportunity at the store and the settlement means. Further, even a user who uses the corresponding payment means at such a store can obtain incentives such as cashback.
　すなわち、店舗における決済手段の使用状況を効率よく改善し、当該店舗での取引を活性化可能となる。 That is, it is possible to efficiently improve the usage status of the payment method at the store and activate the transaction at the store.
　本明細書の記載により、少なくとも次のことが明らかにされる。すなわち、本実施形態の決済管理システムにおいて、前記演算装置は、前記複数店舗における前記決済手段による取引状況として、当該複数店舗の各々において前記決済手段により取引された金額および回数の少なくともいずれかの合計値を算定し、当該合計値を、前記決済手段の利用レベルに関する基準と照合し、当該複数店舗に関する利用レベルを前記条件として特定し、前記利用レベルに応じて予め定めた所定ルールにて、当該複数店舗に含まれる店舗に関して発行するインセンティブの内容を特定するものである、としてもよい。 At least the following matters will be made clear by the description in this specification. That is, in the payment management system of the present embodiment, the arithmetic unit, as the transaction status by the payment means in the plurality of stores, at least one of the sum and the number of transactions by the payment means in each of the plurality of stores. The value is calculated, the total value is collated with the standard relating to the usage level of the settlement means, the usage level relating to the plurality of stores is specified as the condition, and the predetermined rule is set according to the usage level. The content of the incentive to be issued with respect to the stores included in the plurality of stores may be specified.
　これによれば、複数店舗（が所在するエリア）での該当決済手段の利用レベルを精度よく特定可能であり、ひいては、店舗における決済手段の使用状況をさらに効率よく改善し、当該店舗での取引をより活性化可能となる。 According to this, it is possible to accurately identify the usage level of the corresponding payment method in the plurality of stores (the area where the store is located), and further improve the usage status of the payment method in the store more efficiently, and perform the transaction in the store. Can be activated more.
　また、本実施形態の決済管理システムにおいて、前記演算装置は、前記インセンティブの内容を特定するに際し、前記利用レベルが所定基準を上回る場合に、前記複数店舗に含まれる店舗に関して発行するインセンティブの内容を、所定の規定値より縮小し、前記利用レベルが所定基準を下回る場合に、前記複数店舗に含まれる店舗に関して発行するインセンティブの内容を、所定の規定値より拡大するものである、としてもよい。 Further, in the payment management system of the present embodiment, when the content level of the incentive is specified, the arithmetic unit determines the content of the incentive to be issued for the stores included in the plurality of stores when the usage level exceeds a predetermined standard. The content of the incentive to be issued for the stores included in the plurality of stores may be expanded more than a predetermined specified value when the usage level is reduced below a predetermined specified value and the usage level falls below a predetermined standard.
　これによれば、複数店舗（が所在するエリア）での該当決済手段の利用レベルが規定以上、すなわち、元々該当エリアで該当決済手段がよく利用されている場合、手厚いインセンティブを提示せずとも、該当店舗における該当決済手段の利用が期待できることや、逆に、元々該当エリアで該当決済手段が殆ど利用されていない場合、手厚いインセンティブを提示しなければ、該当店舗における該当決済手段の利用が期待できない、といった事情をよく反映したインセンティブの内容を特定できる。ひいては、店舗における決済手段の使用状況をさらに効率よく改善し、当該店舗での取引をより活性化可能となる。 According to this, when the usage level of the corresponding payment method in a plurality of stores (the area where the store is located) is equal to or higher than the stipulated level, that is, when the corresponding payment method is originally frequently used in the corresponding area, even if a generous incentive is not presented, If you can expect to use the payment method at the store, or conversely, if the payment method is not used at all in the area, you cannot expect to use the payment method at the store unless you provide a generous incentive. It is possible to specify the content of the incentive that well reflects the situation such as. As a result, it is possible to more efficiently improve the usage status of the payment method at the store and activate the transaction at the store.
　また、本実施形態の決済管理システムにおいて、前記演算装置は、前記インセンティブの内容を特定するに際し、前記複数店舗の前記利用レベルが所定基準を上回る場合に、前記複数店舗に含まれる店舗のうち前記決済手段による取引状況が所定基準を超える店舗に関して発行するインセンティブの内容を、所定の規定値より縮小するものである、としてもよい。 Further, in the payment management system of the present embodiment, the computing device, when specifying the content of the incentive, when the usage level of the plurality of stores exceeds a predetermined standard, among the stores included in the plurality of stores, The content of the incentive issued with respect to a store whose transaction status by the settlement means exceeds a predetermined standard may be reduced from a predetermined prescribed value.
　これによれば、複数店舗（が所在するエリア）での該当決済手段の利用レベルが規定以上、すなわち、元々該当エリアで該当決済手段がよく利用されており、かつ、該当店舗での該当決済手段の利用が少なくない場合、手厚いインセンティブを提示せずとも、該当店舗における該当決済手段の利用が期待できる事情をより的確に踏まえ、インセンティブの内容を特定できることとなる。ひいては、店舗における決済手段の使用状況をさらに効率よく改善し、当該店舗での取引をより活性化可能となる。 According to this, the usage level of the corresponding payment method in a plurality of stores (the area where the store is located) is equal to or higher than the regulation level, that is, the corresponding payment method is originally often used in the corresponding area, and the payment method in the corresponding store is used. When the number of uses of the incentive is not small, the content of the incentive can be specified more accurately in consideration of the circumstances in which the use of the payment method at the store can be expected without showing a generous incentive. As a result, it is possible to more efficiently improve the usage status of the payment method at the store and activate the transaction at the store.
　また、本実施形態の決済管理システムにおいて、前記演算装置は、前記取引履歴のうち、所定属性の店舗の組と、当該組をなす各店舗で所定時間内に行われた取引内容とに基づき相関分析を行い、所定属性の店舗の組における、当該店舗の間を連続訪問して取引がなされる事象に関する相関係数を特定し、前記店舗と当該店舗の隣接店舗との組に関する前記相関係数の大きさに応じて、当該店舗に関する前記インセンティブの内容を縮小させるものである、としてもよい。 Further, in the payment management system of the present embodiment, the arithmetic unit correlates based on a set of stores having a predetermined attribute in the transaction history and the contents of transactions performed within a predetermined time at each store forming the set. Analysis is performed to identify a correlation coefficient relating to an event in which a transaction is made by continuously visiting between the stores in a set of stores having a predetermined attribute, and the correlation coefficient relating to a set of the store and an adjacent store of the store. The content of the incentive regarding the store may be reduced according to the size of the.
　これによれば、例えば、「カフェ」と「雑貨店」といった人々の行動パターンとして連続訪問（店舗の"はしご"）が期待出来る店舗の組をなす店舗に関しては、手厚いインセンティブを提示せずとも、該当店舗における該当決済手段の利用が期待できることや、逆に、連続訪問が期待出来ない店舗の組をなす店舗に関しては、手厚いインセンティブを提示しなければ、該当店舗における該当決済手段の利用が期待できない、といった事情をよく反映したインセンティブの内容を特定できる。ひいては、店舗における決済手段の使用状況をさらに効率よく改善し、当該店舗での取引をより活性化可能となる。 According to this, for example, with regard to stores that form a group of stores where continuous visits (store "ladders") can be expected as behavior patterns of people such as "cafe" and "general store", without showing a generous incentive, If you can expect to use the relevant payment method at the relevant store, or conversely, you cannot expect the use of the relevant payment method at the relevant store unless you provide a generous incentive for stores that make up a group of stores that you cannot expect continuous visits. It is possible to specify the content of the incentive that well reflects the situation such as. As a result, it is possible to more efficiently improve the usage status of the payment method at the store and activate the transaction at the store.
　また、本実施形態の決済管理システムにおいて、前記演算装置は、前記取引履歴において、前記隣接店舗の前記取引状況の高さと前記相関係数の大きさとに応じて、当該店舗に関する前記インセンティブの内容を縮小させるものである、としてもよい。 Further, in the payment management system of the present embodiment, the arithmetic unit displays the content of the incentive regarding the store according to the height of the transaction status of the adjacent store and the magnitude of the correlation coefficient in the transaction history. It is also possible to reduce the size.
　これによれば、上述の組をなす他方の店舗（インセンティブの検討対象の店舗から見て、店舗の"はしご"の起点となる店舗）にて該当決済手段が元々よく利用されている場合、手厚いインセンティブを提示せずとも、"はしご"の流れに沿って該当店舗における該当決済手段の利用が期待できる事情をより的確に踏まえ、インセンティブの内容を特定できることとなる。ひいては、店舗における決済手段の使用状況をさらに効率よく改善し、当該店舗での取引をより活性化可能となる。 According to this, if the corresponding payment method is originally often used at the other store in the above-mentioned group (the store that is the starting point of the "ladder" of the store as seen from the store subject to the incentive consideration), it will be rich. Even if the incentive is not presented, the content of the incentive can be specified in accordance with the flow of the "ladder" more accurately taking into consideration the situation in which the use of the corresponding payment method at the store can be expected. As a result, it is possible to more efficiently improve the usage status of the payment method at the store and activate the transaction at the store.
　また、本実施形態の決済管理システムにおいて、前記演算装置は、現在から所定の期限までの残時間の短さに応じて、前記店舗に関する前記インセンティブの内容を拡大させるものである、としてもよい。 Further, in the payment management system of the present embodiment, the computing device may expand the content of the incentive for the store according to the shortage of the remaining time from the present to the predetermined deadline.
　これによれば、該当決済手段での取引実績に関する目標達成まで短期間しか残されていない状況であるほど、手厚いインセンティブを提示して早期の目標達成を促進することが可能となる。ひいては、店舗における決済手段の使用状況をさらに効率よく改善し、当該店舗での取引をより活性化可能となる。 According to this, it is possible to promote the achievement of the target at an early stage by presenting a generous incentive as the situation in which the target regarding the transaction performance of the applicable settlement method is left only for a short period of time. As a result, it is possible to more efficiently improve the usage status of the payment method at the store and activate the transaction at the store.
　また、本実施形態の決済管理システムにおいて、前記演算装置は、前記店舗における前記決済手段による取引状況と当該取引状況の目標状況との乖離の少なさに応じて、前記店舗に関する前記インセンティブの内容を拡大させるものである、としてもよい。 Further, in the payment management system of the present embodiment, the arithmetic unit determines the content of the incentive for the store according to the degree of difference between the transaction status of the payment means in the store and the target status of the transaction status. It may be enlarged.
　これによれば、該当決済手段での取引実績に関する目標達成まで残額が小さい状況であるほど、手厚いインセンティブを提示してより早期の目標達成を促進することが可能となる。ひいては、店舗における決済手段の使用状況をさらに効率よく改善し、当該店舗での取引をより活性化可能となる。
 
　また、本実施形態における決済管理方法において、前記情報処理システムが、前記複数店舗における前記決済手段による取引状況として、当該複数店舗の各々において前記決済手段により取引された金額および回数の少なくともいずれかの合計値を算定し、当該合計値を、前記決済手段の利用レベルに関する基準と照合し、当該複数店舗に関する利用レベルを前記条件として特定し、前記利用レベルに応じて予め定めた所定ルールにて、当該複数店舗に含まれる店舗に関して発行するインセンティブの内容を特定する、としてもよい。　また、本実施形態における決済管理方法において、前記情報処理システムが、前記インセンティブの内容を特定するに際し、前記利用レベルが所定基準を上回る場合に、前記複数店舗に含まれる店舗に関して発行するインセンティブの内容を、所定の規定値より縮小し、前記利用レベルが所定基準を下回る場合に、前記複数店舗に含まれる店舗に関して発行するインセンティブの内容を、所定の規定値より拡大する、としてもよい。 According to this, as the remaining amount is smaller until the target regarding the transaction performance of the applicable settlement method is achieved, it is possible to present a generous incentive and promote the earlier achievement of the target. As a result, it is possible to more efficiently improve the usage status of the payment method at the store and activate the transaction at the store.

Further, in the payment management method according to the present embodiment, the information processing system, as the transaction status of the payment means in the plurality of stores, at least one of the amount and the number of times the payment means has been traded in each of the plurality of stores. The total value is calculated, the total value is collated with the standard regarding the usage level of the settlement means, the usage level regarding the plurality of stores is specified as the condition, and the predetermined rule is predetermined according to the usage level. You may specify the content of the incentive issued about the store contained in the said several store. Further, in the payment management method according to the present embodiment, when the information processing system identifies the content of the incentive and the usage level exceeds a predetermined standard, the content of the incentive to be issued for the stores included in the plurality of stores. May be made smaller than a predetermined specified value, and when the usage level is below a predetermined standard, the content of the incentive to be issued for the stores included in the plurality of stores may be made larger than the predetermined specified value.
　また、本実施形態における決済管理方法において、前記情報処理システムが、前記インセンティブの内容を特定するに際し、前記複数店舗の前記利用レベルが所定基準を上回る場合に、前記複数店舗に含まれる店舗のうち前記決済手段による取引状況が所定基準を超える店舗に関して発行するインセンティブの内容を、所定の規定値より縮小する、としてもよい。 Further, in the payment management method according to the present embodiment, when the information processing system specifies the content of the incentive, when the usage level of the plurality of stores exceeds a predetermined standard, among the stores included in the plurality of stores. The content of the incentive issued for a store whose transaction status by the settlement means exceeds a predetermined standard may be reduced below a predetermined prescribed value.
　また、本実施形態における決済管理方法において、前記情報処理システムが、前記取引履歴のうち、所定属性の店舗の組と、当該組をなす各店舗で所定時間内に行われた取引内容とに基づき相関分析を行い、所定属性の店舗の組における、当該店舗の間を連続訪問して取引がなされる事象に関する相関係数を特定し、前記店舗と当該店舗の隣接店舗との組に関する前記相関係数の大きさに応じて、当該店舗に関する前記インセンティブの内容を縮小させる、としてもよい。 Further, in the payment management method according to the present embodiment, the information processing system is based on the group of stores having a predetermined attribute in the transaction history and the contents of transactions performed within each predetermined time at each store forming the group. Correlation analysis is performed to identify a correlation coefficient related to an event in which a transaction is made by continuously visiting between the stores in a set of stores having a predetermined attribute, and the correlation regarding the set of the store and an adjacent store of the store. The content of the incentive for the store may be reduced according to the size of the number.
　また、本実施形態における決済管理方法において、前記情報処理システムが、前記取引履歴において、前記隣接店舗の前記取引状況の高さと前記相関係数の大きさとに応じて、当該店舗に関する前記インセンティブの内容を縮小させる、としてもよい。 Further, in the payment management method according to the present embodiment, the information processing system, in the transaction history, the content of the incentive for the store according to the height of the transaction status of the adjacent store and the magnitude of the correlation coefficient. May be reduced.
　また、本実施形態における決済管理方法において、前記情報処理システムが、現在から所定の期限までの残時間の短さに応じて、前記店舗に関する前記インセンティブの内容を拡大させる、としてもよい。 Further, in the payment management method according to the present embodiment, the information processing system may expand the content of the incentive regarding the store according to the shortage of the remaining time from the present to a predetermined deadline.
　また、本実施形態における決済管理方法において、前記情報処理システムが、前記店舗における前記決済手段による取引状況と当該取引状況の目標状況との乖離の少なさに応じて、前記店舗に関する前記インセンティブの内容を拡大させる、としてもよい。 Further, in the payment management method according to the present embodiment, the information processing system determines the content of the incentive for the store in accordance with the degree of deviation between the transaction status of the payment means in the store and the target status of the transaction status. May be expanded.
１０、１１　ネットワーク
１００　決済管理システム
１０１　記憶装置
１０２　プログラム
１０３　メモリ
１０４　演算装置
１０５　通信装置
１０６　決済スイッチ部
１０７　加盟店管理部
１０８　クーポン発行エンジン
１０９　データ分析エンジン
１１０　アプリ管理部
１１５　ＰＯＳ取引履歴情報
１１６　加盟店管理情報
１１７　ユーザ情報
１１８　クーポン発行ルール情報
１１９　クーポン発行対象店舗情報
１２０　エリアスコアリング情報
１２１　非現金決エリアスコアクーポン調整情報
１２２　加盟店相関係数情報
１２３　加盟店相関クーポン調整情報
１２４　残時間クーポン調整情報
１２５　決済残高クーポン調整情報
２００　決済端末
２０１　カード読取部
３００　カード発行会社システム
４００　ユーザ端末
４０１　アプリ
４０２　クーポン確認部
４０３　ＧＰＳユニット  10, 11 Network 100 Payment management system 101 Storage device 102 Program 103 Memory 104 Computing device 105 Communication device 106 Payment switch unit 107 Member store management unit 108 Coupon issuing engine 109 Data analysis engine 110 Application management unit 115 POS transaction history information 116 Member store Management information 117 User information 118 Coupon issue rule information 119 Coupon issue target store information 120 Area scoring information 121 Non-cash decision area score coupon adjustment information 122 Member store correlation coefficient information 123 Member store correlation coupon adjustment information 124 Remaining time coupon adjustment information 125 settlement balance coupon adjustment information 200 settlement terminal 201 card reading unit 300 card issuing company system 400 user terminal 401 application 402 coupon confirmation unit 403 GPS unit

Claims (16)

  1. 　複数店舗の各々における所定決済手段による取引履歴を保持する記憶装置と、
    　前記取引履歴が示す、前記複数店舗における前記決済手段による取引状況が、所定条件に適合する場合、当該条件に応じた所定ルールにて、当該複数店舗に含まれる店舗に関して発行するインセンティブの内容を特定する演算装置と、
    　を含むことを特徴とする決済管理システム。     A storage device for holding transaction history by a predetermined settlement means in each of a plurality of stores,
    When the transaction status by the settlement means at the plurality of stores indicated by the transaction history meets a predetermined condition, the content of the incentive to be issued for the stores included in the plurality of stores is specified by a predetermined rule according to the condition. An arithmetic unit that
    A payment management system comprising:
  2. 　前記演算装置は、
    　前記複数店舗における前記決済手段による取引状況として、当該複数店舗の各々において前記決済手段により取引された金額および回数の少なくともいずれかの合計値を算定し、当該合計値を、前記決済手段の利用レベルに関する基準と照合し、当該複数店舗に関する利用レベルを前記条件として特定し、前記利用レベルに応じて予め定めた所定ルールにて、当該複数店舗に含まれる店舗に関して発行するインセンティブの内容を特定するものである、
    　ことを特徴とする請求項１に記載の決済管理システム。     The arithmetic unit is
    As the transaction status of the payment means in the plurality of stores, a total value of at least one of the amount and the number of transactions made by the payment means in each of the plurality of stores is calculated, and the total value is calculated as the usage level of the payment means. And the usage level of the plurality of stores is specified as the condition, and the content of the incentive to be issued for the stores included in the plurality of stores is specified by a predetermined rule that is predetermined according to the usage level. Is,
    The payment management system according to claim 1, wherein:
  3. 　前記演算装置は、
    　前記インセンティブの内容を特定するに際し、前記利用レベルが所定基準を上回る場合に、前記複数店舗に含まれる店舗に関して発行するインセンティブの内容を、所定の規定値より縮小し、前記利用レベルが所定基準を下回る場合に、前記複数店舗に含まれる店舗に関して発行するインセンティブの内容を、所定の規定値より拡大するものである、
    　ことを特徴とする請求項２に記載の決済管理システム。     The arithmetic unit is
    When specifying the content of the incentive, when the usage level exceeds a predetermined standard, the content of the incentive issued for the stores included in the plurality of stores is reduced from a predetermined specified value, and the usage level meets a predetermined standard. In the case of falling below, the content of the incentive to be issued for the stores included in the plurality of stores is expanded from a predetermined prescribed value,
    The payment management system according to claim 2, wherein:
  4. 　前記演算装置は、
    　前記インセンティブの内容を特定するに際し、前記複数店舗の前記利用レベルが所定基準を上回る場合に、前記複数店舗に含まれる店舗のうち前記決済手段による取引状況が所定基準を超える店舗に関して発行するインセンティブの内容を、所定の規定値より縮小するものである、
    　ことを特徴とする請求項３に記載の決済管理システム。     The arithmetic unit is
    In specifying the content of the incentive, when the usage level of the plurality of stores exceeds a predetermined standard, of the incentives to be issued for the stores in which the transaction status by the settlement means exceeds the predetermined standard among the stores included in the plurality of stores. The content is to be reduced from a prescribed value,
    The payment management system according to claim 3, wherein:
  5. 　前記演算装置は、
    　前記取引履歴のうち、所定属性の店舗の組と、当該組をなす各店舗で所定時間内に行われた取引内容とに基づき相関分析を行い、所定属性の店舗の組における、当該店舗の間を連続訪問して取引がなされる事象に関する相関係数を特定し、
    　前記店舗と当該店舗の隣接店舗との組に関する前記相関係数の大きさに応じて、当該店舗に関する前記インセンティブの内容を縮小させるものである、
    　ことを特徴とする請求項１に記載の決済管理システム。     The arithmetic unit is
    Among the transaction histories, a correlation analysis is performed based on a set of stores having a predetermined attribute and the contents of transactions performed within a predetermined time at each store forming the set. To identify the correlation coefficient for the events
    Depending on the magnitude of the correlation coefficient for the set of the store and the adjacent store of the store, the content of the incentive for the store is reduced.
    The payment management system according to claim 1, wherein:
  6. 　前記演算装置は、
    　前記取引履歴において、前記隣接店舗の前記取引状況の高さと前記相関係数の大きさとに応じて、当該店舗に関する前記インセンティブの内容を縮小させるものである、
    　ことを特徴とする請求項５に記載の決済管理システム。     The arithmetic unit is
    In the transaction history, the content of the incentive for the store is reduced according to the height of the transaction status of the adjacent store and the magnitude of the correlation coefficient.
    The payment management system according to claim 5, wherein:
  7. 　前記演算装置は、
    　現在から所定の期限までの残時間の短さに応じて、前記店舗に関する前記インセンティブの内容を拡大させるものである、
    　ことを特徴とする請求項１に記載の決済管理システム。     The arithmetic unit is
    Depending on the shortage of the remaining time from the present to the predetermined deadline, the content of the incentive regarding the store is expanded.
    The payment management system according to claim 1, wherein:
  8. 　前記演算装置は、
    　前記店舗における前記決済手段による取引状況と当該取引状況の目標状況との乖離の少なさに応じて、前記店舗に関する前記インセンティブの内容を拡大させるものである、
    　ことを特徴とする請求項１に記載の決済管理システム。     The arithmetic unit is
    The contents of the incentive regarding the store are expanded according to a small difference between the transaction status of the settlement means in the store and the target status of the transaction status,
    The payment management system according to claim 1, wherein:
  9. 　複数店舗の各々における所定決済手段による取引履歴を保持する記憶装置を備えた情報処理システムが、
    　前記取引履歴が示す、前記複数店舗における前記決済手段による取引状況が、所定条件に適合する場合、当該条件に応じた所定ルールにて、当該複数店舗に含まれる店舗に関して発行するインセンティブの内容を特定する、
    　ことを特徴とする決済管理方法。     An information processing system including a storage device that holds a transaction history by a predetermined settlement means in each of a plurality of stores,
    When the transaction status by the settlement means at the plurality of stores indicated by the transaction history meets a predetermined condition, the content of the incentive to be issued for the stores included in the plurality of stores is specified by a predetermined rule according to the condition. To do
    A payment management method characterized by the above.
  10. 　前記情報処理システムが、
    　前記複数店舗における前記決済手段による取引状況として、当該複数店舗の各々において前記決済手段により取引された金額および回数の少なくともいずれかの合計値を算定し、当該合計値を、前記決済手段の利用レベルに関する基準と照合し、当該複数店舗に関する利用レベルを前記条件として特定し、前記利用レベルに応じて予め定めた所定ルールにて、当該複数店舗に含まれる店舗に関して発行するインセンティブの内容を特定する、
    　ことを特徴とする請求項９に記載の決済管理方法。     The information processing system,
    As the transaction status of the payment means in the plurality of stores, a total value of at least one of the amount and the number of transactions made by the payment means in each of the plurality of stores is calculated, and the total value is calculated as the usage level of the payment means. And the usage level for the plurality of stores is specified as the condition, and the content of the incentive to be issued for the stores included in the plurality of stores is specified by a predetermined rule that is predetermined according to the usage level.
    10. The payment management method according to claim 9, wherein:
  11. 　前記情報処理システムが、
    　前記インセンティブの内容を特定するに際し、前記利用レベルが所定基準を上回る場合に、前記複数店舗に含まれる店舗に関して発行するインセンティブの内容を、所定の規定値より縮小し、前記利用レベルが所定基準を下回る場合に、前記複数店舗に含まれる店舗に関して発行するインセンティブの内容を、所定の規定値より拡大する、
    　ことを特徴とする請求項１０に記載の決済管理方法。     The information processing system,
    When specifying the content of the incentive, when the usage level exceeds a predetermined standard, the content of the incentive issued for the stores included in the plurality of stores is reduced from a predetermined specified value, and the usage level meets a predetermined standard. If it is lower, the content of the incentive to be issued for the stores included in the plurality of stores is expanded from a predetermined prescribed value,
    The payment management method according to claim 10, wherein:
  12. 　前記情報処理システムが、
    　前記インセンティブの内容を特定するに際し、前記複数店舗の前記利用レベルが所定基準を上回る場合に、前記複数店舗に含まれる店舗のうち前記決済手段による取引状況が所定基準を超える店舗に関して発行するインセンティブの内容を、所定の規定値より縮小する、
    　ことを特徴とする請求項１１に記載の決済管理方法。     The information processing system,
    In specifying the content of the incentive, when the usage level of the plurality of stores exceeds a predetermined standard, of the incentives to be issued for the stores in which the transaction status by the settlement means exceeds the predetermined standard among the stores included in the plurality of stores. Reduce the content below a specified value,
    The payment management method according to claim 11, wherein:
  13. 　前記情報処理システムが、
    　前記取引履歴のうち、所定属性の店舗の組と、当該組をなす各店舗で所定時間内に行われた取引内容とに基づき相関分析を行い、所定属性の店舗の組における、当該店舗の間を連続訪問して取引がなされる事象に関する相関係数を特定し、
    　前記店舗と当該店舗の隣接店舗との組に関する前記相関係数の大きさに応じて、当該店舗に関する前記インセンティブの内容を縮小させる、
    　ことを特徴とする請求項９に記載の決済管理方法。     The information processing system,
    Among the transaction histories, a correlation analysis is performed based on a set of stores having a predetermined attribute and the contents of transactions performed within a predetermined time at each store forming the set. To identify the correlation coefficient for the events
    Reducing the content of the incentive for the store according to the magnitude of the correlation coefficient for the set of the store and the adjacent store of the store,
    10. The payment management method according to claim 9, wherein:
  14. 　前記情報処理システムが、
    　前記取引履歴において、前記隣接店舗の前記取引状況の高さと前記相関係数の大きさとに応じて、当該店舗に関する前記インセンティブの内容を縮小させる、
    　ことを特徴とする請求項１３に記載の決済管理方法。     The information processing system,
    In the transaction history, the content of the incentive for the store is reduced according to the height of the transaction status of the adjacent store and the magnitude of the correlation coefficient.
    14. The payment management method according to claim 13, wherein:
  15. 　前記情報処理システムが、
    　現在から所定の期限までの残時間の短さに応じて、前記店舗に関する前記インセンティブの内容を拡大させる、
    　ことを特徴とする請求項９に記載の決済管理方法。     The information processing system,
    Depending on the short time remaining from the present to the predetermined deadline, the content of the incentive regarding the store is expanded,
    10. The payment management method according to claim 9, wherein:
  16. 　前記情報処理システムが、
    　前記店舗における前記決済手段による取引状況と当該取引状況の目標状況との乖離の少なさに応じて、前記店舗に関する前記インセンティブの内容を拡大させる、
    　ことを特徴とする請求項９に記載の決済管理方法。     The information processing system,
    Depending on the degree of deviation between the transaction status of the settlement means in the store and the target situation of the transaction status, the content of the incentive regarding the store is expanded,
    10. The payment management method according to claim 9, wherein:
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