JP2018195344A - Coupon distribution system - Google Patents

Abstract

To provide a coupon distribution system which distributes a coupon to a user.SOLUTION: A coupon distribution system 1 includes: a trigger detection processing unit which detects whether information transmitted from an affiliated store terminal of a credit card includes authorization information or coupon use information; an information processing unit which generates processed information; a distribution condition storage unit which stores coupon distribution condition including a future behavior prediction model of a credit card user; a condition collation processing unit which extracts information on a user in the processed information from a user information storage unit, uses attribute information of an affiliated store in the processed information to specify an area of the affiliated store or an area corresponding to the area, and searches the distribution condition storage unit on the basis of the user information and the specified area information, to search a coupon information storage unit for coupon information satisfying the distribution condition; and a coupon distribution processing unit which distributes the coupon information to a user terminal.SELECTED DRAWING: Figure 2

Description

  The present invention relates to a coupon distribution system that distributes coupons to users.

  In order to encourage users to use the service, information on various coupons and benefits is distributed. Conventionally, many coupon distribution services are based on the premise that a user searches for a coupon when he / she feels it is necessary. There is also a service that uses information on the current location of the user to distribute coupons for stores in the vicinity of the location information, but the degree of fitness (the probability that the distributed coupon is useful for the user) It's not expensive. This is because the degree of conformity is not enhanced only by the user's position information, but requires various additional information.

  In addition, there are services that store user attributes in a database and distribute coupons, but this is mainly batch processing and lacks real-time capability. Therefore, it is a factor that lowers the degree of fitness.

  Therefore, a system that distributes coupons using purchase activities in front of a user when a user uses a credit card as a trigger is disclosed in Patent Document 1 below.

Special table 2010-515959 gazette

  When using the coupon distribution system in Patent Document 1, since the user is paying by credit card and using the previous purchase activity, the user is active after securing real-time performance. Coupons can be received without the need for special operations.

  In the case of Patent Document 1, coupons are distributed based on the past purchase activities of the user. However, since the coupon is used after it has been distributed, the degree of fitness cannot be said to be sufficiently high unless the future behavior of the user is predicted. In other words, if a user purchases jewelry with a credit card in Shinjuku and then purchases clothes with a credit card in Daikanyama, the system of Patent Document 1 uses the previous purchase activity to distribute coupons. If you purchase clothes at Daikanyama, you will receive a coupon corresponding to the purchase of Shinjuku jewelry.

  However, for users, since jewelry has already been purchased, even if coupons are distributed based on past actions, interest in the distributed coupons is not high, so the degree of fitness is Not expensive. Therefore, a coupon distribution system having a high degree of fitness is desired.

  In view of the above problems, the present inventors have invented a coupon distribution system that can distribute coupon information having a high degree of fitness of users in almost real time.

  The first invention is a coupon distribution system for distributing coupon information, which is triggered by information transmitted from a member terminal of a credit card member store or a user terminal of a user of a coupon distribution service. A trigger detection processing unit that detects whether or not a credit card member is included, a credit card member information storage unit that stores information indicating whether to use a coupon distribution service, and a trigger detection processing unit When the trigger information is detected, the credit card member information storage unit is referred to based on the credit card member identification information in the information from the member store terminal to determine whether the member is a coupon distribution service user. The user determination processing unit that performs the coupon distribution service and the user determination processing unit If it is determined, an information processing unit that generates processed information including part or all of the information transmitted from the member store terminal, and a user information storage unit that stores information related to a user of the coupon distribution service A distribution condition storage unit that stores a distribution condition of coupon information including a future behavior prediction model of a credit card user, a coupon information storage unit that stores coupon information, and user identification information in the processed information Based on the extracted user information by referring to the user information storage unit, and by referring to the distribution condition storage unit based on the extracted information about the user, whether there is matching coupon information A condition matching processing unit that retrieves from the coupon information storage unit, and before the retrieved coupon information corresponds to the information transmitted from the member store terminal Coupon distribution processing unit that distributes to the user terminal, a coupon distribution system comprising a.

  By comprising like this invention, coupon information will be searched using the delivery conditions of the coupon containing the future action prediction model of a credit card user. Therefore, since coupon information for actions that the user will perform from now on is distributed, coupon information having a high degree of fitness of the user can be distributed.

  Further, since processing is performed after detecting whether or not trigger information is included in the information when the credit card is used, coupon information is distributed almost in real time when the credit card is used. Therefore, since coupon information is distributed according to the predicted behavior after using the credit card, the degree of suitability of the user can be increased.

  In the above-described invention, the trigger detection processing unit can be configured as a coupon distribution system in which information serving as a trigger is authorization information.

  In the above-described invention, the trigger detection processing unit is configured as a coupon distribution system in which the trigger information detected is information indicating the use of coupon information that has already been distributed to the user terminal. be able to.

  These pieces of information are transmitted when a product or service is purchased with a credit card. In these situations, the actual purchase activity is often carried out, so the next purchase activity is often performed as it is. Then, it is considered that the coupon information distributed using the future behavior prediction model as the distribution condition may be suitable for the next purchase activity. Moreover, even if it is not in the user's schedule, the action corresponding to the coupon information may be triggered by the coupon information being distributed. Therefore, it leads to raising the user's degree of suitability for coupon information.

  In the above-described invention, the coupon distribution system further includes a member store information storage unit that stores attribute information of a member store of a credit card, and the information processing unit is transmitted from the member store terminal. The processed information is generated by extracting the attribute information of the member store from a member store information storage unit and adding the attribute information to a part or all of the information, and the condition matching processing unit includes information about the extracted user and By referring to the distribution condition storage unit based on the attribute information of the member store in the processed information, it is determined whether there is matching coupon information in the region of the member store or the region corresponding to the region. It can also be configured as a coupon distribution system that searches from the information storage unit.

  By configuring as in the present invention, coupon information can be distributed after the user considers the location (region) of the member store using the credit card. As a result, coupon information at a location where the user is currently present or a location associated with (corresponding to) the location is distributed, which leads to an increase in the degree of suitability of the user for the coupon information.

  The first invention can also be realized by configuring as in the present invention. That is, a coupon distribution system for distributing coupon information, which indicates that authorization information or coupon information has been used for information transmitted from a credit card member store terminal or a user terminal of a coupon distribution service user. A trigger detection processing unit for detecting whether or not there is an information processing processing unit for generating processed information by adding attribute information of the member store to part or all of the information transmitted from the member store terminal; A user information storage unit for storing information related to the coupon distribution service user, a distribution condition storage unit for storing a coupon distribution condition including a future behavior prediction model of the credit card user, and a coupon for storing coupon information Information relating to user information in the information storage unit and the processed information is extracted from the user information storage unit, Using the attribute information of the member store in the processed information, the region of the member store or the region corresponding to the region is specified, and the distribution condition storage unit based on the extracted information about the user and the information of the specified region A condition matching processing unit that searches the coupon information storage unit for coupon information that matches the distribution conditions, a coupon distribution processing unit that distributes the searched coupon information to the user terminal, It is a coupon delivery system provided with.

  By using the coupon distribution system of the present invention, it is possible to distribute coupons for the future predicted behavior of the user corresponding to the current behavior while ensuring real-time performance, so that the degree of fitness of the user is reduced. High coupons can be distributed.

It is a conceptual diagram which shows typically the whole concept of the coupon delivery system of this invention. It is a conceptual diagram which shows typically an example of the process structure of the coupon delivery system of this invention. It is a conceptual diagram which shows typically an example of the hardware constitutions of the computer used by this invention. It is a flowchart which shows typically an example of the process of the coupon delivery system of this invention. It is a flowchart which shows typically another example of the process of the coupon delivery system of this invention. It is an image figure which shows an example of delivery conditions. It is a conceptual diagram which shows typically another example of the process structure of the coupon delivery system of this invention. It is a conceptual diagram which shows typically another example of the process structure of the coupon delivery system of this invention.

  An overall concept of the processing process of the coupon distribution system 1 of the present invention is schematically shown in FIG. 1, and an example of the processing configuration of the coupon distribution system 1 is schematically shown in FIG. In addition, in this specification, coupon information includes not only information that can receive incentives such as discounts, but also advantageous information such as notifications such as “A store is currently offering a 50% sale”.

  1 and 2, the coupon distribution system 1 is shown to be composed of systems such as a payment transaction system 2, a message processing system 4, and a condition determination system 3, but these systems are integrally configured. Alternatively, it may be configured as another system.

  The payment transaction system 2, the message processing system 4, and the condition determination system 3 constituting the coupon distribution system 1 are realized using a computer including a server and the like. FIG. 3 shows an example of the hardware configuration of the computer. The computer includes an arithmetic device 70 such as a CPU for executing arithmetic processing of a program, a storage device 71 such as a RAM and a hard disk for storing information, a display device 72 such as a display for displaying, a mouse and a keyboard for inputting, It includes an input device 73 such as a touch panel, and a communication device 74 that transmits and receives processing results of the arithmetic device 70 and information stored in the storage device 71 between computers.

  Each means in the present invention is only logically distinguished in function, and may be physically or virtually the same area. In addition, each system in the coupon distribution system 1 of the present invention may realize the function by one server, or may distribute each function to two or more servers.

  The coupon distribution system 1 is a member store terminal 5 used by a credit card member store, a credit card member, and a user terminal 6 used by a user of a coupon distribution service using the coupon distribution system 1 of the present invention. Can send and receive information to and from.

  The member store terminal 5 is a terminal such as a credit authorization terminal or a POS register installed in the member store for performing a credit card settlement process. The member store terminal 5 transmits telegraphic information related to credit card settlement to the payment transaction system 2 in the coupon distribution system 1 described later. The message information transmitted here is preferably gathering information, but is not limited thereto. The gathering information is information including authorization information for determining whether or not the member has a payment ability (credit frame) when using a credit card, and sales information for sales processing. The gathering information may not be the message information for processing the authorization information and the sales information together, but may be configured to send the sales information after confirming the payment capability by sending the authorization information. .

  The user terminal 6 is a portable communication terminal such as a mobile phone including a smartphone, a PHS, a tablet terminal, and a laptop computer.

  The coupon distribution system 1 includes a payment transaction system 2, a message processing system 4, and a condition determination system 3.

  The payment transaction system 2 receives the message information from the member store terminal 5 and sends the information (processed information) with the member store information added to part or all of the message information via the message processing system 4 to the condition determination system. 3 to send. The payment transaction system 2 transmits the electronic message information received from the member store terminal 5 to the credit card payment system 7 to execute processing related to the credit card payment. In addition, the telegram information is stored in the data storage / analysis system 8 and stored as information for creating a model pattern of a delivery condition in the condition determination system 3 described later.

  The message processing system 4 transmits the processed information processed by the payment transaction system 2 to the condition determination system 3.

  The condition determination system 3 identifies coupon information that matches the distribution condition based on the processed information processed by the payment transaction system 2 received from the message processing system 4 and distributes it to the user terminal 6.

  The payment transaction system 2 includes a credit card member information storage unit 20, a member store information storage unit 21, a trigger detection processing unit 22, a user determination processing unit 23, an information processing unit 24, and a processed information transmission processing unit 25. .

  The credit card member information storage unit 20 stores information related to credit card members. For example, a credit card number, name, age, address, telephone number, e-mail address, etc. are examples, but information on whether or not to use a coupon distribution service by the coupon distribution system 1 of the present invention is also stored.

  The member store information storage unit 21 stores information on member stores of credit cards. For example, member store identification information for identifying a member store, store name, corporation name, address, telephone number, e-mail address, etc. of the member store are examples.

  The trigger detection processing unit 22 monitors the information transmitted from the member store terminal 5 to the payment transaction system 2, and trigger information, that is, information indicating that the authorization information or the coupon in the message information has been used (coupon usage) ) Is detected.

  When the user detection processing unit 23 detects that the trigger detection processing unit 22 includes trigger information, the user determination processing unit 23 uses the credit card information in the information transmitted from the member store terminal 5, for example, the credit card number, By referring to the information on whether or not to use the coupon distribution service in the card member information storage unit 20, it is determined whether or not to perform the process in the user determination processing unit 23.

  When the information processing unit 24 determines that the user determination processing unit 23 is a registered member (user) to use the coupon distribution service, the information processing processing unit 24 identifies the member store in the message information received from the member store terminal 5. Extract information. Based on the member store identification information, the member store information storage unit 21 is referred to, and telegram information (processed information) to which the member store attribute information (address, zip code, business type, etc.) is added is generated.

  The processed information transmission processing unit 25 causes the condition determination system 3 to transmit the processed electronic message information processed by the information processing processing unit 24 via the message processing system 4.

  In the payment transaction system 2, when the electronic mail information related to credit card payment is received from the member store terminal 5, it is transmitted to the credit card payment system 7, so that normal credit card payment processing, that is, authorization processing (that member's (A process for confirming whether there is a credit limit) and a settlement process. Further, the message information and processed message information may be transmitted to the data storage / analysis system 8 and stored.

  The condition determination system 3 includes a user information storage unit 30, a user information registration processing unit 31, a processed information reception processing unit 32, a distribution condition storage unit 33, a condition matching processing unit 34, a coupon information storage unit 35, and a coupon distribution process. Part 36.

  The user information storage unit 30 stores information related to users who use the coupon distribution service. For example, there are user identification information (for example, credit card number) for identifying the user, name, e-mail address, and the like.

  When receiving the coupon distribution service, the user information registration processing unit 31 accepts registration of information regarding the user and stores it in the user information storage unit 30. In addition, by receiving input of user identification information such as a credit card number, a part or all of the member information stored in the credit card member information storage unit 20 in the payment transaction system 2 is extracted, and the user information storage unit 30 You may memorize. In addition, the registration of the coupon distribution service can be registered by accepting registration of information about the user, but the credit card member information can be transmitted by transmitting information to the payment transaction system 2 that the registration of the coupon distribution service has been performed. The data is stored in the storage unit 20.

  The processed information reception processing unit 32 receives processed information processed by the payment transaction system 2 via the message processing system 4.

  The distribution condition storage unit 33 stores distribution conditions for coupons distributed to users. A variety of conditions can be used as the distribution conditions stored here. For example, hobbies and preferences specified by users during registration (coupon genre (gourmet, life and living, fashion, entertainment, etc.), coupon type (discount, free trial, new product, first-come-first-served, etc.) Etc.), user age and gender, credit card attribute information (credit card grade classification (for example, student, normal, gold, platinum, etc.)), credit card member store information (member store location information (zip code)) , Address, latitude / longitude, etc.), business type, business type, etc.), coupon issuance conditions (coupon validity period, issuance period, delivery time zone, etc.), predetermined membership pattern (credit card member attributes or specific Members based on purchase trends and behavior trend information using credit cards not tied to individuals Future behavior prediction pattern), and other conditions (excluding the type of a particular credit card, the delivery of between specific industries, such as not carried out) there is.

  Of these, especially for user membership patterns, future predicted behavior is ruled and stored based on the behavior of the credit card user, and is distributed based on that rule.

  For the user's membership pattern, a model pattern is preferably created based on the telegram information and processed information accumulated by the data accumulation / analysis system 8 and stored as a future behavior prediction model.

  Another example of a future behavior prediction model is shown in FIG. Fig. 6 shows a case in which a consumer behavior model is predicted based on information registered in advance as information about the user, such as the user's age, gender, place of residence, working style, family structure, annual income, hobbies and preferences. Show. That is, models that match consumer behavior models based on the user's age, gender, place of residence, working style, family structure, annual income, hobbies and preferences, such as “fast fashion”, “branded products”, “imported foods” , “High-end food and drink” and the like are classified, and the corresponding one is set as the delivery condition. Here, for the sake of explanation, four classifications are shown, but they are actually further subdivided.

  Based on the processed information received by the processed information reception processing unit 32, the condition matching processing unit 34 refers to the distribution condition storage unit 33 to determine whether the user matches the coupon distribution conditions. Judge with.

  Note that the processing for determining whether or not the distribution condition of the distribution condition storage unit 33 matches the distribution condition based on the processed information received by the processed information reception processing unit 32 by the condition matching processing unit 34 requires processing time, so that the distribution condition storage The unit 33 is preferably configured as an in-memory database. As a result, high-speed processing and high availability can be realized.

  The coupon information storage part 35 memorize | stores the coupon delivered with respect to a user. Coupons are stored in correspondence with distribution conditions. That is, the coupon information corresponding to the distribution conditions matched in the condition matching processing unit 34 is stored.

  When the coupon distribution processing unit 36 determines that the condition matching processing unit 34 matches the coupon distribution condition, the coupon distribution processing unit 36 extracts the corresponding coupon information from the coupon information storage unit 35 and distributes it to the user terminal 6.

  Next, an example of the processing process of the coupon distribution system 1 of the present invention will be described with reference to the flowchart of FIG.

  First, a member (user) of a credit card who desires to use the coupon distribution system 1 of the present invention accesses the website of the condition determination system 3 by a predetermined method. Enter information about the user such as credit card information (credit card number, expiration date, etc.), hobbies, and preferences used in the service. The input information is received by the user information registration processing unit 31 of the condition determination system 3 and stored in the user information storage unit 30. In addition, after registering use of the coupon distribution service, the user information registration processing unit 31 of the condition determination system 3 passes the information to the payment transaction system 2 and associates the information with the member in the credit card member information storage unit 20 to distribute the coupon. Register to use the service.

  Next, the user downloads and installs an application program for receiving coupon information from the coupon distribution system 1 to the user terminal 6 by a predetermined method.

  When a user purchases a product or service at a merchant that is a member of a credit card and is eligible for the coupon distribution service by the coupon distribution system 1, the user presents the credit card and makes a settlement with the credit card. Perform (S100). In this case, when the user presents the credit card to the member store, the person in charge of settlement at the member store causes the member store terminal 5 to read the credit card, thereby performing a settlement process using the credit card. In this case, message information (for example, gathering information) including authorization information for confirming whether there is a credit frame for purchasing the product or service is sent from the member store terminal 5 to the payment transaction system 2.

  The trigger detection processing unit 22 in the payment transaction system 2 monitors information sent from the member store terminal 5 to the payment transaction system 2, and detects that the information includes trigger information (author information here). Then (S110), the user determination processing unit 23 refers to the credit card member information storage unit 20 to determine whether the credit card member that is the basis of the authorization information is a coupon distribution service user. Determine (S120).

  That is, when the authorization information is detected, the user determination processing unit 23 extracts the credit card number in the authorization information. Then, based on the credit card number, it is determined whether the member is a user of the coupon distribution service based on information on whether the coupon distribution service stored in the credit card member information storage unit 20 is used.

  If the information that the member uses the coupon distribution service is not stored in the credit card member information storage unit 20, the processing in the coupon distribution system 1 is terminated as it is.

  On the other hand, when the information that the member uses the coupon distribution service is stored in the credit card member information storage unit 20, it can be determined that the user is a coupon distribution service user, so the information processing unit 24 Based on the member store identification information in the authorization information, the member store information storage unit 21 is referred to, and attribute information of the member store, for example, information such as address, postal code, type of business and business condition, is extracted from the payment transaction system 2. Processed information to be sent to the determination system 3 is generated. In this case, the attribute information of the member store may be added to the authorization information as it is to obtain processed information, or only information necessary for processing in the condition determination system 3, for example, user identification information such as a credit card number is extracted. The attribute information of member stores may be added to the processed information.

  The processed information generated by the information processing unit 24 in this way is transmitted to the condition determination system 3 by the processed information transmission processing unit 25 via the message processing system 4.

  Note that the message information received from the member store terminal 5 by the payment transaction system 2 is sent to the credit card settlement system 7 regardless of whether the trigger detection processing unit 22 detects it or not, and performs the credit card settlement processing.

  When the processed information reception processing unit 32 of the condition determination system 3 receives the processed information from the payment transaction system 2 via the message processing system 4, the condition matching processing unit 34 stores the distribution condition stored in the distribution condition storage unit 33. Is searched from the coupon information storage unit 35 to see if there is matching coupon information (S130). At this time, based on the user identification information such as the credit card number in the processed information, the user attribute information (age, gender, address, family structure, employment form, annual income, Extract hobbies and preferences). Based on the extracted information, the distribution condition stored in the distribution condition storage unit 33 is referred to and the coupon information storage unit 35 is searched for matching coupon information. At this time, coupon information of the region or a region corresponding to the region may be searched using the attribute information of the member store using the credit card in the processed information.

  An example of distribution conditions in this case is shown in the image diagram of FIG. In the case of FIG. 6, a predicted consumer behavior model is set as a delivery condition based on a customer attribute that is user attribute information, an annual income model, and a preference model. Further, in the corresponding consumer behavior model, the region where the credit card is used is specified based on the attribute information of the member store, and the coupon of the region or the region corresponding to the region is set as the distribution condition. For example, suppose that the member store where the credit card was used is Shibuya, and Daikanyama is set as an area corresponding to Shibuya.

  In this case, a male in his 50s, living in Funabashi, self-employed, no wives, annual income of 10 million or more, and a user who is registered to like to travel abroad purchases a product with a credit card in Shibuya And In this case, when the authorization information by the use of the credit card is sent from the member store to the payment transaction system 2, the processed information is sent to the condition determination system 3 via the message processing system 4.

  When the processed information reception processing unit 32 of the condition determination system 3 receives the processed information, the condition matching processing unit 34 receives information about the user based on the user identification information (such as a credit card number) in the processed information. Can be extracted from the user information storage unit 30 to extract the attribute information and the like. Then, referring to the distribution condition storage unit 33 using these pieces of information, according to FIG. 6, the classification of imported food and high-end food and drink corresponds as the consumer behavior model.

  Moreover, since the member store where the user used the credit card is Shibuya, Daikanyama which is the area corresponding to it is specified. Therefore, the condition verification processing unit 34 searches the coupon information storage unit 35 for coupon information that matches the distribution conditions for imported food and high-end food and drinks in Daikanyama.

  In this way, the condition matching processing unit 34 searches the coupon information storage unit 35 for coupon information that matches the distribution condition. If there is coupon information that matches the distribution condition (S140), the coupon information Is extracted from the coupon information storage unit 35. And based on the user information memorize | stored in the user information storage part 30, the coupon delivery process part 36 delivers coupon information to the application program of the user terminal 6 (S150). In this case, the coupon information may be directly distributed to the user terminal 6, or the coupon information is stored (distributed) in a storage area used by the application program of the user terminal 6, and the user terminal 6 Coupon information may be recognizable when accessed.

  On the other hand, if there is no matching coupon information, the coupon distribution processing unit 36 ends the process as it is.

  In the first embodiment, the trigger detection processing unit 22 detects the authorization information in the credit card information as a trigger. The trigger detection processing unit is triggered by information indicating that the coupon is used by the user. 22 may detect.

  In this case, when purchasing a product or service at a member store, the user presents a credit card and presents coupon information distributed to the user terminal 6. At the member store, the member store terminal 5 reads the credit card and transmits the telegram information including the authorization information from the member store terminal 5 to the payment transaction system 2. At the same time, input of coupon information at the user terminal 6 is received and transmitted from the member store terminal 5 to the payment transaction system 2. Coupon information input from the user terminal 6 is displayed on the user terminal 6 as information for identifying a coupon, and the input may be received at the member store terminal 5 or displayed on the user terminal 6. The code (barcode, two-dimensional code, etc.) read can be read and input can be accepted, and coupon information is stored in the IC chip, and input can be accepted by reading it by contact or non-contact Also good.

  Next, an example of the processing process in the case of the present embodiment will be described with reference to the flowchart of FIG.

  As in the first embodiment, a credit card member (user) who desires to use the coupon distribution system 1 of the present invention first accesses the website of the condition determination system 3 by a predetermined method, In addition, information related to the user such as credit card information (credit card number, expiration date, etc.), hobbies, and preferences used in the service of the coupon distribution system 1 is entered and registered as a user. At this time, the information that the Kupon distribution service is used is registered in the credit card member information storage unit 20 as in the first embodiment. Also, an application program used in the coupon distribution system 1 is downloaded to the user terminal 6 and installed.

  Then, the user terminal 6 receives the coupon information in advance by using the credit card or the like by the method of the first embodiment or the like. When a user purchases a product or service at a member store of a credit card that is a target of application of the coupon distribution service by the coupon distribution system 1, coupon information on the credit card and the user terminal 6 is obtained. Presented and settled by credit card (S200). In this case, when the user presents the credit card to the member store, the person in charge of settlement at the member store causes the member store terminal 5 to read the credit card, thereby performing a settlement process using the credit card. In this case, message information (for example, gathering information) including authorization information for confirming whether there is a credit frame for purchasing the product or service is sent from the member store terminal 5 to the payment transaction system 2. In addition, the person in charge of settlement at the member store causes the member store terminal 5 to read the coupon information. As a result, information indicating that the coupon information has been used is sent from the member store terminal 5 to the payment transaction system 2. Note that the information indicating that the coupon information has been used may be directly transmitted from the user terminal 6 to the condition determination system 3 without passing through the member store terminal 5.

  By using the coupon information, settlement is performed with an incentive corresponding to the coupon information, for example, a discount for a charge of goods or services.

  The trigger detection processing unit 22 in the payment transaction system 2 monitors information sent from the member store terminal 5 to the payment transaction system 2, and information that serves as a trigger (in this case, that coupon information has been used). (S210), the user determination processing unit 23 refers to the credit card member information storage unit 20 to determine whether the member using the credit card is a coupon distribution service user. This is determined (S220).

  That is, when information indicating that the coupon information is used is detected, the user determination processing unit 23 extracts information indicating that the coupon information is used or a credit card number in the authorization information. Based on the credit card number, it is determined whether the member is a user of the coupon distribution service based on information on whether the coupon distribution service stored in the credit card member information storage unit 20 is used.

  If the information that the member uses the coupon distribution service is not stored in the credit card member information storage unit 20, the processing in the coupon distribution system 1 is terminated as it is.

  On the other hand, when the information that the member uses the coupon distribution service is stored in the credit card member information storage unit 20, it can be determined that the user is a coupon distribution service user, so the information processing unit 24 , Referring to the member store information storage unit 21 based on the information indicating that the coupon information has been used or the member store identification information in the authorization information, such as attribute information of the member store, such as address, postal code, business type, business type, etc. Information is extracted and processed information to be sent from the payment transaction system 2 to the condition determination system 3 is generated. In this case, the attribute information of the member store may be added as it is to the information indicating that the coupon information has been used or the authorization information as processed information, or information necessary for processing in the condition determination system 3, such as a credit card number. It is also possible to extract only the user identification information such as, and add the attribute information of the member store to the processed information.

  The processed information generated by the information processing unit 24 in this way is transmitted to the condition determination system 3 by the processed information transmission processing unit 25 via the message processing system 4.

  Note that the message information received from the member store terminal 5 by the payment transaction system 2 is sent to the credit card settlement system 7 regardless of whether the trigger detection processing unit 22 detects it or not, and performs the credit card settlement processing.

  When the processed information reception processing unit 32 of the condition determination system 3 receives the processed information from the payment transaction system 2 via the message processing system 4, the condition matching processing unit 34 is based on the user identification information in the processed information. The user information storage unit 30 is referred to, and information about the user is acquired. Then, the distribution condition stored in the distribution condition storage unit 33 is referred to, and the coupon information storage unit 35 is searched for matching coupon information (S230). Similarly to the case of S130, the coupon information may be searched using the attribute information of the member store in the processed information.

  In this way, the condition matching processing unit 34 searches the coupon information storage unit 35 for coupon information that matches the distribution condition. If there is coupon information that matches the distribution condition (S240), the coupon information Is extracted from the coupon information storage unit 35. Then, based on the user information stored in the user information storage unit 30, the coupon distribution processing unit 36 distributes new coupon information to the application program of the user terminal 6 (S250).

  On the other hand, if there is no matching coupon information, the coupon distribution processing unit 36 ends the process as it is.

  By executing the processing as described above, it is possible to further distribute new coupon information triggered by the use of coupon information by the user.

  Furthermore, as another embodiment of the present invention, a case will be described in which the condition determination system 3 includes a credit information processing unit 37 that expands a credit frame and introduces financial products. An example of the system configuration in this case is shown in FIG.

  After receiving the telegram information including the authorization information from the member store terminal 5 in the payment transaction system 2, the credit card settlement system 7 executes the authorization process, but sends the authorization result to the condition determination system 3, and the credit information processing Received in part 37.

  Then, the credit information processing unit 37 uses the authorization result and the coupon information determined to be distributed by the coupon distribution processing unit 36, and determines the balance of the credit frame after the current credit card settlement processing and the distribution. Compare the amount of payment used for coupon information and if the credit limit is small, expand the credit limit or introduce financial products (revolving payments, installments, cashing, card loans, etc.) Is delivered to the user terminal 6. In addition to delivering notifications about the expansion of credit lines and introductions of financial products, processing instructions that expand credit lines only to the amount that is insufficient or the amount that does not cause a shortage of credit lines. It may be transmitted to the credit card settlement system 7 and processed so as to automatically expand the credit frame.

  Note that the settlement amount information used in the use of coupon information is, for example, coupon information that allows the purchase of a specific product at a low price, and a coupon that can receive a discount of a certain amount or percentage when purchasing a product or service. In the case of information, a certain amount (for example, an average purchase amount at the store) may be used as a reference.

  For example, if a user's credit card credit limit is 300,000 yen, and the credit limit already used is 250,000 yen (credit limit balance is 50,000 yen), a 40,000 yen product can be purchased. When the purchase is made at, the telegram information including the authorization information indicating whether or not 40,000 yen can be purchased is sent from the member store terminal 5 to the payment transaction system 2, and the payment transaction system 2 transmits it to the credit card payment system 7. Execute credit inquiry processing.

  Since the balance of the credit limit is 50,000 yen, the authorization information of 40,000 yen is approved as it is, and the process proceeds to credit card settlement processing. The balance of the credit line at this point is 10,000 yen. Therefore, it is added to the processed information that the balance of the credit line after the credit card settlement this time is 10,000 yen, or separately from the processed information, via the message processing system 4 to the condition determination system 3 send.

  On the other hand, when this user is a user of a coupon distribution service, coupon information distributed to the user by the coupon distribution processing unit 36 of the condition determination system 3 (for example, a product of 20,000 yen is discounted by 25%) The credit information processing unit 37 determines the balance of the credit frame (10,000 yen) and the settlement amount (15,000) used for using the coupon information determined by the coupon distribution processing unit 36. Compare with the information of yen (25% discount of 20,000 yen). Then, since the payment amount used for the use of the coupon information determined by the coupon distribution processing unit 36 exceeds the balance of the credit frame, the user cannot effectively use the coupon information even if he wants to use it.

  Therefore, the credit information processing unit 37 distributes a notification having contents of expanding a credit frame and introducing financial products to the user terminal 6. Alternatively, expanding the amount of credit shortage (5,000 yen) to the credit card payment system 7, the credit balance is (15,000 yen) or more (for example, a fixed amount). As shown, send processing instructions. When this processing command is accepted by the credit card settlement system 7, the credit frame is changed so that the balance of the credit frame becomes 15,000 yen or more.

  By executing the processing as described above, coupon information can be used even when the credit frame is insufficient.

  In the credit information processing unit 37 of the third embodiment, when the balance of the credit frame is smaller than the settlement amount used for the use of the determined coupon information, a process for expanding the credit frame is executed. On the other hand, in the present embodiment, when the condition matching processing unit 34 searches for coupon information to be distributed, the coupon information that falls within the balance of the credit frame is distributed.

  That is, the balance information of the credit frame received from the payment processing system by the credit information processing unit 37 is included as a distribution condition in the processing of the condition matching processing unit 34. And when determining coupon information with reference to the delivery condition memory | storage part 33 and the coupon information storage part 35, the payment amount used by utilization of coupon information further determines the coupon information which is below the balance information of a credit frame. .

  By performing such processing, only coupon information within the credit frame is delivered to the user, so the user can use the coupon information within the credit frame, Even if you want to use coupon information, you can no longer use it.

  Although the credit information processing unit 37 is provided in the condition determination system 3 in the fourth embodiment, it may be provided in the payment transaction system 2. An example of the processing configuration of the coupon distribution system 1 in this case is shown in FIG. In this case, the credit frame processing unit 26 receives the authorization information from the member store terminal 5 and acquires the information on the balance of the credit frame as a result of the credit introduction, and when the balance falls below a certain threshold, A notification including the expansion of the information and the introduction of the financial product is distributed to the user terminal 6.

  Furthermore, in this case, if a uniform threshold value is set, unnecessary notifications may be sent to the user. Therefore, for each credit line category (for example, 300,000 yen, 600,000 yen, 800,000 yen, 1 million yen, etc.) It is preferable that the threshold value and the content of the notification are set so that the determination process corresponding to the user classification is executed so that unnecessary notifications do not reach the user.

  Similar to the credit information processing unit 37 of the third embodiment, the credit frame processing unit 26 also notifies the user terminal 6 of the contents including the expansion of the credit frame and the introduction of financial products. A processing instruction may be transmitted so as to increase the balance. When this processing command is accepted by the credit card settlement system 7, the balance of the credit frame is enlarged and changed. At this time, the expansion width may be changed for each credit frame.

  By using the coupon distribution system 1 of the present invention, it is possible to distribute a coupon for a user's future predicted behavior corresponding to the current behavior while ensuring real-time performance, so that the degree of fitness of the user Can distribute a high coupon.

1: Coupon distribution system 2: Payment transaction system 3: Condition determination system 4: Message processing system 5: Member store terminal 6: User terminal 7: Credit card payment system 8: Data storage / analysis system 20: Credit card member information storage Unit 21: member store information storage unit 22: trigger detection processing unit 23: user determination processing unit 24: information processing unit 25: processed information transmission processing unit 26: credit frame processing unit 30: user information storage unit 31: User information registration processing unit 32: Processed information reception processing unit 33: Distribution condition storage unit 34: Condition matching processing unit 35: Coupon information storage unit 36: Coupon distribution processing unit 37: Credit information processing unit 70: Computing device 71: Storage device 72: Display device 73: Input device 74: Communication device

Claims (5)

A coupon distribution system for distributing coupon information,
A trigger detection processing unit for detecting whether trigger information is included in information transmitted from a member terminal of a credit card member store or a user terminal of a coupon distribution service user;
A credit card member information storage unit for storing credit card member identification information and information indicating whether to use a coupon distribution service;
When the trigger detection processing unit detects the trigger information, the credit card member information storage unit is referred to based on the credit card member identification information in the information from the member store terminal, and the member uses the coupon distribution service. A user determination processing unit for determining whether the user is a user,
An information processing unit that generates processed information including a part or all of the information transmitted from the member store terminal when it is determined that the user determination processing unit uses a coupon distribution service;
A user information storage unit for storing information related to the user of the coupon distribution service;
A distribution condition storage unit for storing a distribution condition of coupon information including a future behavior prediction model of a credit card user;
A coupon information storage unit for storing coupon information;
Extracting information about the user by referring to the user information storage unit based on the identification information of the user in the processed information, and referring to the distribution condition storage unit based on the extracted information about the user A condition matching processing unit that searches the coupon information storage unit for matching coupon information;
A coupon distribution processing unit for distributing the searched coupon information to the user terminal corresponding to the information transmitted from the member store terminal;
A coupon distribution system comprising: The trigger information detected in the trigger detection processing unit is authorization information.
The coupon distribution system according to claim 1, wherein: The trigger detection information detected by the trigger detection processing unit is information indicating the use of coupon information that has already been distributed to the user terminal.
The coupon distribution system according to claim 1 or claim 2, wherein The coupon distribution system further includes:
Merchant information storage unit for storing attribute information of credit card member stores,
With
The information processing unit
The processed information is generated by extracting the attribute information of the member store from the member store information storage unit and adding it to a part or all of the information transmitted from the member store terminal,
The condition matching processing unit
By referring to the distribution condition storage unit based on the extracted information about the user and the attribute information of the member store in the processed information, it matches in the region of the member store or the region corresponding to the region. Search the coupon information storage unit for coupon information,
The coupon distribution system according to any one of claims 1 to 3, wherein the coupon distribution system is provided. A coupon distribution system for distributing coupon information,
A trigger detection processing unit for detecting whether the information transmitted from the credit card member store terminal or the user terminal of the coupon distribution service user includes the authorization information or the coupon information;
An information processing unit for generating processed information by adding attribute information of the member store to part or all of the information transmitted from the member store terminal;
A user information storage unit for storing information related to the user of the coupon distribution service;
A distribution condition storage unit for storing distribution conditions of coupons including a future behavior prediction model of a credit card user;
A coupon information storage unit for storing coupon information;
Information relating to user information in the processed information is extracted from the user information storage unit, the attribute information of the member store in the processed information is used to identify the region corresponding to the member store or the region, Condition collation processing for retrieving from the coupon information storage unit whether there is coupon information that matches the distribution condition by searching the distribution condition storage unit based on the extracted information about the user and the information on the specified region. Part,
A coupon distribution processing unit for distributing the searched coupon information to the user terminal;
A coupon distribution system comprising:

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