JP2020052805A - Benefit offering method, benefit offering apparatus, and benefit offering system - Google Patents

Abstract

To simplify settlement processing of electronic payment using coupon.SOLUTION: A benefit offering method in a benefit offering system S includes the steps, which are executed by a computer, of: receiving a user identifier and coupon use request from a user terminal of a user; generating a payment token; storing the payment token and the user identifier in a storage unit in association with each other; transmitting the payment token to the user terminal; receiving payment information, the payment token, commodity information with a benefit, from a store terminal having read a payment code displayed on the user terminal on the basis of the payment token; reading the user identifier from the storage unit on the basis of the payment token received from the store terminal; and offering a benefit of coupon to a user corresponding to the user identifier when a commodity with a benefit is identified by the received commodity information with a benefit.SELECTED DRAWING: Figure 1

Description

  The present invention relates to a privilege granting method, a privilege granting device, and a privilege granting system for determining a payment amount when making a payment using a coupon.

  When purchasing a product, coupons for discounting the price of the product have become widespread. Coupons are issued by consumer goods manufacturers and retailers and are used at retail stores and the like as part of sales promotion. Patent Document 1 discloses that after receiving an electronic coupon and a consumer identifier from a customer portable device during an electronic payment transaction, the business operator relating to the electronic coupon is inquired of the validity of the coupon, and if valid, the coupon is applied to the product. A technology for making a payment is disclosed.

JP 2010-515168 A

  In the conventional technology, the procedure of electronic payment by the store terminal and the procedure of accepting coupons are mixed during the transaction of electronic payment, so that there has been a problem that the payment processing in the store becomes complicated.

  Therefore, the present invention has been made in view of these points, and an object of the present invention is to provide a technique for simplifying the payment processing of electronic payment using a coupon.

  The privilege providing method according to the first aspect of the present invention includes a step of receiving, from a user terminal of the user, a user identifier for identifying a user and a use request of a coupon, which are executed by a computer, and the user uses the coupon. Generating a payment token for performing payment at a possible store, associating the payment token with the user identifier and storing the same in a storage unit, and transmitting the generated payment token to the user terminal. Steps, from the store terminal that has read the payment code displayed by the user terminal based on the payment token, payment information for use in payment of one or more products, the payment token, the one or more Privilege target product information for specifying a privilege target product that is a product to which the benefit by the coupon is given among the products. Receiving the user identifier from the storage unit based on the payment token received from the store terminal; and when the privilege target product can be identified by the received privilege target product information. Granting a privilege by the coupon to the user corresponding to the user identifier.

  When the product indicated by the privilege target product information is a product to be discounted by the payment token, an amount obtained by subtracting the amount discounted by the payment token from the amount included in the payment information is used by the user. Determining the settlement amount, the step of withdrawing the settlement amount from the account of the user identified by the user identifier, and the step of withdrawing the settlement amount. Transmitting to the terminal and the shop terminal.

  The method may further include transmitting the payment amount to a payment provider that can debit the payment amount from the account of the user specified by the user identifier.

  The award granting method may further include: a settlement business in which the settlement operator can withdraw a part of the settlement amount from the user's account when a balance that can be withdrawn from the user's account is smaller than the settlement amount. And transmitting the difference between the settlement amount and the balance to a user.

  The privilege granting method, wherein the total amount of the balance that the settlement operator can withdraw from the user's account and the balance that the other settlement operator can withdraw from the user's account is greater than the settlement amount. If it is larger, the method may further include transmitting a notice of payment completion to at least one of the user terminal and the shop terminal.

  The expiration date is defined in the settlement token, and in the step of calculating the settlement amount, the settlement information is acquired on the condition that the date and time when the settlement information is acquired is earlier than the expiration date. The amount obtained by subtracting the amount discounted by the settlement token from the amount included in the settlement token may be used as the settlement amount.

  The privilege granting method, after the step of receiving the use request, the user who transmitted the use request to a provider that provides the coupon or a company that manages the computer that determines the payment amount The method may further include transmitting the attribute information of the user corresponding to the terminal.

  The award providing method may include, after the step of calculating the settlement amount, providing the user who has used the coupon to a provider who is providing the coupon or a company managing the computer which determines the settlement amount. May be further transmitted.

  The privilege providing method may further include a step of storing a product purchased using the same payment token and attribute information of the plurality of users who purchased the product in association with each other. The privilege granting method may further include a step of storing a product purchased using the same payment token and a place where the product is purchased in association with each other.

  A privilege granting device according to a second aspect of the present invention is a request receiving unit that receives a user identifier for specifying a user and a coupon usage request from a user terminal of the user, and a store where the user can use the coupon. A token generation unit for generating a payment token for performing the payment, a storage control unit for storing the payment token and the user identifier in a storage unit in association with each other, and transmitting the generated payment token to the user terminal. Then, after transmitting the payment token, from the store terminal that reads the payment code displayed by the user terminal based on the payment token, payment information for use in payment of one or more products, and the payment And a benefit token for identifying a benefit target product that is a product to which the benefit by the coupon is provided among the one or more products. A communication processing unit that receives the product information, and the communication processing unit reads the user identifier from the storage unit based on the payment token received from the store terminal, and receives the benefit by the received benefit target product information. A privilege granting unit that grants a privilege based on the coupon to the user corresponding to the user identifier when a target product can be identified.

  A privilege granting system according to a third aspect of the present invention includes a user terminal of a user who uses a coupon, and a privilege granting device capable of communicating with the user terminal. The user terminal, an operation receiving unit that receives an operation for using the coupon, and, when the operation receiving unit receives the operation, a user identifier for identifying the user and a request for using the coupon. A request transmitting unit that transmits to the privilege providing device, and a payment for receiving the coupon at a store where the user can use the coupon, received from the privilege providing device after the request transmitting unit transmits the use request. A code generation unit that generates a payment code based on the token.

  The privilege granting device stores a request receiving unit that receives the user identifier and the use request from the user terminal, a token generating unit that generates the payment token, and stores the payment token and the user identifier in association with each other. A storage control unit to be stored in the unit, transmitting the generated payment token to the user terminal, and reading the payment code displayed by the user terminal based on the payment token after transmitting the payment token. From the shop terminal, to specify payment information to be used for payment of one or more products, the payment token, and a privilege target product that is a product to which a benefit by the coupon is provided among the one or more products. A communication processing unit for receiving the privilege target product information, and the communication processing unit based on the payment token received from the store terminal. And reading the user identifier from the storage unit, and when the privilege target product can be identified by the received privilege target product information, a privilege granting unit that grants a privilege by the coupon to the user corresponding to the user identifier. And

  ADVANTAGE OF THE INVENTION According to this invention, there exists an effect that the payment process of the electronic payment using a coupon can be simplified.

It is a figure showing the outline of a privilege grant system. It is a figure showing the functional composition of a privilege grant device. FIG. 3 is a diagram illustrating a functional configuration of a user terminal. FIG. 4 is a diagram illustrating an example of a token management database stored in a storage unit. It is an operation | movement sequence diagram of a privilege provision system. It is a figure which shows the detail of the operation sequence between a privilege provision apparatus and a payment server.

[Overview of Privilege Grant System S]
FIG. 1 is a diagram showing an outline of the privilege providing system S. The privilege granting system S is a system that can issue a coupon to a user who purchases a product at a store and, when the user purchases the product using the coupon, calculates a settlement amount discounted by the coupon.

  The privilege granting system S includes a privilege granting device 1 and a user terminal 2. The privilege granting device 1 is a server having a function of determining a payment amount for a user. The user terminal 2 is an information terminal used by the user, and is, for example, a smartphone, a tablet, or a personal computer. The seller of the product that provides the coupon provides the coupon to the user terminal 2 using an advertisement distribution function or the like via the Internet. The coupon is constituted by data in a format that can be stored in the storage medium by the user terminal 2, and the user can purchase a product at a desired timing using the provided coupon. Hereinafter, a flow from when a user purchases a product to when payment for the product is performed will be described with reference to FIG.

  When purchasing a product that can use a coupon, the user performs an operation to use the coupon received in advance at the user terminal 2 ((1) in FIG. 1). As an example, when the user starts the payment application software and inputs a login ID, for example, a user ID of the application software, the user terminal 2 transmits the login ID to the payment provider and logs in to the application. Then, the user terminal 2 inquires of the settlement company server about available coupons.

  The server of the settlement company stores the contents of the privilege in association with the coupon ID. The server of the settlement operator reads the coupon ID corresponding to the user ID from the storage medium (for example, a hard disk), and transmits the contents of the privilege corresponding to the read coupon ID to the user terminal 2.

  The user terminal 2 displays the received coupon. When the user performs an operation of selecting a coupon, the user terminal 2 transmits a use request requesting use of the coupon to the privilege granting device 1. At this time, the user terminal 2 transmits a user identifier (hereinafter, referred to as a user ID) for identifying the user together with the use request ((2) in FIG. 1). The user ID is, for example, a mobile phone number stored in a SIM card of the user terminal 2, but may be other data as long as the data is in a format that can be recognized by the privilege granting device 1.

  Upon receiving the use request, the privilege granting device 1 generates a payment token ((3) in FIG. 1). The payment token is a data string used when the user terminal 2 creates a payment code presented by the user at the store. The privilege granting device 1 stores the generated payment token and the user ID in the storage medium in association with each other ((4) in FIG. 1).

  The privilege granting device 1 transmits the generated payment token to the user terminal 2 ((5) in FIG. 1). The privilege granting device 1 may transmit the encrypted payment token to the user terminal 2 after encrypting the payment token.

  The user terminal 2 creates a payment code based on the received payment token ((6) in FIG. 1). The payment code is a text or an image that can be read at the store terminal 3 used for settlement at the store, and the user of the user terminal 2 issues a payment request to a payment company that has previously registered a bank account or deposited cash. This is the code used to send. The settlement code is, for example, a QR code (registered trademark), but may be data in another form as long as it is a text or image that can be read by the store terminal 3 used for settlement at the store.

  The user presents the settlement code when paying the purchase price of the product at the cash register at the store. Then, the store terminal 3 reads the payment code displayed on the user terminal 2 by, for example, an operation of a store clerk ((7) in FIG. 1).

  The store terminal 3 sends the payment information indicating the total amount of the products purchased by the user, the payment token indicated by the read payment code, and the privilege target product information for specifying the privilege target product to the privilege granting device 1. ((8) in FIG. 1). The privilege target product information specifies, among the products purchased by the user at the store, a product to which the privilege is to be granted (for example, a product discounted by a coupon, a product to which points or prizes are given to the purchaser). Information to do. When the shop terminal 3 transmits the privilege target product information to the privilege granting device 1, the privilege granting device 1 can determine whether or not the user has purchased a product to which the privilege is to be granted by the coupon. it can.

  Upon receiving the payment token from the shop terminal 3, the privilege granting apparatus 1 refers to the user ID stored in association with the payment token in (4) of FIG. 1 to correspond to the received payment token. The user ID to be specified is specified ((9) in FIG. 1). The privilege granting apparatus 1 determines the amount after the discount amount of the coupon corresponding to the payment token is reduced from the payment amount indicated by the payment information received from the store terminal 3 as the user's payment amount ((FIG. 1) 10)).

  The privilege providing apparatus 1 transmits the determined payment amount to the payment server 4 in association with the user ID ((11) in FIG. 1). The settlement server 4 is, for example, a server of a credit card company or a prepaid card company, and performs a settlement process when the settlement amount is within the range of the balance that can be paid by the user ((12) in FIG. 1). When the payment process is completed, the payment server 4 notifies the privilege providing device 1, the user terminal 2, and the store terminal 3 that the payment process has been completed.

By operating the privilege providing system S as described above, the user performs an operation using the coupon, presents the payment code displayed on the user terminal 2, and the store clerk reads, for example, a QR code. The user can receive the privilege by the coupon only by performing the normal processing for performing the settlement.
Hereinafter, the details of the configuration of the privilege providing device 1 and the user terminal 2 will be described. In the following description, the content of the privilege will be described as an example in which the price of a product is discounted.

[Functional Configuration of Privilege Granting Apparatus 1]
FIG. 2 is a diagram illustrating a functional configuration of the privilege providing apparatus 1. The privilege granting device 1 includes a communication unit 11, a storage unit 12, and a control unit 13. The control unit 13 includes a request reception unit 131, a token generation unit 132, a storage control unit 133, a communication processing unit 134, and a privilege provision unit 135.

  The communication unit 11 is a communication interface for transmitting and receiving data to and from the user terminal 2, the shop terminal 3, and the settlement server 4 via a network such as the Internet. The communication unit 11 notifies the request receiving unit 131 of the use request received from the user terminal 2. In addition, the communication unit 11 transmits the payment token input from the communication processing unit 134 to the user terminal 2 and inputs the payment information and the payment token received from the store terminal 3 to the privilege granting unit 135. In addition, the communication unit 11 transmits the payment amount input from the privilege providing unit 135 to the payment server 4.

  The storage unit 12 is a storage medium for storing various data, and includes a ROM (Read Only Memory), a RAM (Random Access Memory), a hard disk, and the like. The storage unit 12 stores a program executed by the control unit 13. The storage unit 12 stores the settlement token generated by the control unit 13 in association with the user ID.

  The control unit 13 functions as the request receiving unit 131, the token generation unit 132, the storage control unit 133, the communication processing unit 134, and the privilege giving unit 135 by executing the program stored in the storage unit 12. Details of the operation of each unit of the control unit 13 will be described later.

[Functional Configuration of User Terminal 2]
FIG. 3 is a diagram illustrating a functional configuration of the user terminal 2. The user terminal 2 includes an operation unit 21, a communication unit 22, a display unit 23, a storage unit 24, and a control unit 25. The control unit 25 includes an operation reception unit 251, a request transmission unit 252, and a code creation unit 253.

  The operation unit 21 is an operation device that receives a user's operation, and is, for example, a touch panel provided on a surface of the display unit 23. The operation unit 21 notifies the operation reception unit 251 of a signal indicating the position touched by the user.

  The communication unit 22 is, for example, a wireless communication interface for transmitting and receiving data to and from a base station of a mobile phone network. The communication unit 22 transmits the use request input from the request transmission unit 252 to the privilege granting device 1. In addition, the communication unit 22 inputs the payment token received from the privilege providing device 1 to the code creation unit 253.

  The display unit 23 is a display that displays various information. The display unit 23 displays the payment code based on the control of the code creation unit 253.

  The storage unit 24 is a storage medium including a ROM, a RAM, and the like. The storage unit 24 stores a program executed by the control unit 25. Further, the storage unit 24 stores the payment token received from the privilege granting device 1, a payment code generated based on the payment token, and the like.

  The control unit 25 is, for example, a CPU, and functions as an operation reception unit 251, a request transmission unit 252, and a code creation unit 253 by executing a program stored in the storage unit 24.

  The operation accepting unit 251 specifies the contents of the user's operation based on the signal input from the operation unit 21. When the specified operation content is an operation using a coupon, the operation reception unit 251 notifies the request transmission unit 252 of the operation content. The request transmitting unit 252 transmits a coupon use request to the privilege granting device 1 via the communication unit 22 when the operation receiving unit 251 receives an operation using a coupon.

  When the payment token is transmitted from the privilege granting device 1, the code creation unit 253 creates a payment code based on the payment token. The code creating unit 253 creates a payment code based on, for example, a rule determined by a payment operator contracted by the user in advance. The code creation unit 253 causes the display unit 23 to display the created payment code.

[Operation of Each Unit of Control Unit 13]
The request receiving unit 131 receives a user ID and a use request from the user terminal 2 via the communication unit 11. The request receiving unit 131 notifies the token generating unit 132 of the received user ID and usage request.

  The token generation unit 132 generates a payment token for performing payment at a store where a user can use a coupon. The token generation unit 132 notifies the storage control unit 133 of the generated payment token and user ID. The token generation unit 132 may encrypt the payment token, and may further notify the encrypted encryption token to the storage control unit 133.

  The storage control unit 133 causes the storage unit 12 to store the settlement token notified from the token generation unit 132 and the user ID in association with each other. FIG. 4 is a diagram illustrating an example of the token management database stored in the storage unit 12. In the token management database, the user ID, the settlement token, the encryption token, the coupon ID, the contents of the privilege, and the company code are associated with each other. The business code is a code for specifying the business that provided the coupon, and is used for notifying the business of the usage status of the coupon.

  The communication processing unit 134 transmits the payment token generated by the token generation unit 132 to the user terminal 2. Further, after transmitting the payment token, the communication processing unit 134 reads the payment code displayed by the user terminal 2 based on the payment token from the store terminal 3 and uses the payment for one or more products for payment. Information, a payment token, and privilege target product information for specifying a privilege target product that is a product discounted by a coupon among one or more products are received. The communication processing unit 134 notifies the benefit providing unit 135 of the received payment information, payment token, and benefit target product information.

  Privilege target product information is used to identify products that are discounted using any coupon, including coupons not presented by the user of the user terminal 2, among products purchased by the user at the store where the store terminal 3 is installed. Information. The merchandise target information for specifying the privilege is, for example, "company orange juice ABC of company A", "beer BBB of company B", or "ice cream XYZ of company C" for identifying the company that sells the product. And product identification information for specifying the product. The store terminal 3 transmits the sum of the sums of the prices of all the products that the user wants to purchase to the privilege granting device 1. However, when the privilege granting device 1 is notified of only the summed amount, the user tries to purchase. It is not possible to determine whether or not any of the products mentioned above includes a product that can receive a privilege with the settlement token. As described above, by transmitting the privilege target product information to the privilege granting device 1 by the store terminal 3, the privilege granting device 1 can determine whether or not the user has purchased the product to which the privilege is given. The device 1 can appropriately grant the privilege.

  The privilege granting unit 135 reads the user ID from the storage unit 12 based on the payment token received by the communication processing unit 134 from the store terminal 3. Specifically, the privilege granting unit 135 refers to the token management database stored in the storage unit 12 and specifies the user ID associated with the received payment token. If the payment token received by the communication processing unit 134 from the store terminal 3 is encrypted, the privilege granting unit 135 may specify the user ID associated with the encryption code in the token management database. The privilege granting unit 135 may specify the payment token by decrypting the encrypted code, and may specify the user ID based on the specified payment token.

  If the product indicated by the privilege target product information is a product to be discounted by the payment token, the privilege granting unit 135 calculates the amount obtained by subtracting the amount discounted by the payment token from the amount included in the payment information. The settlement price of the user corresponding to the ID is determined. For example, the privilege target product information includes the above “A company's orange juice ABC”, “B company's beer BBB”, and “C company's ice cream XYZ”, and the product discounted by the payment token is “ It is assumed that ice cream XYZ of Company C "and the discount amount is 50 yen. Further, it is assumed that the total amount of the products purchased by the user at the store is 3000 yen.

  In this case, since the privilege providing unit 135 includes “C-company ice cream XYZ”, which is a product to be discounted by the payment token, in the privilege target product information, the 3,000 to 50 yen is added. The subtracted 2950 yen is determined as the payment amount of the user.

  If the user did not purchase “C company ice cream XYZ” even though the user performed an operation using a coupon for which “C company ice cream XYZ” was discounted, “ It does not include information indicating "C company's ice cream XYZ". In this case, the privilege granting unit 135 determines that the product targeted for the privilege grant by the coupon corresponding to the payment token is not included in the privilege target product information, and without reducing the amount indicated by the payment information. 3,000 yen is determined as the settlement amount of the user.

  The privilege target product information includes information for specifying a company that manufactures and sells the product, and the privilege granting unit 135 stores the business information stored in the storage unit 12 in association with the payment token. It may be determined that the privilege is to be granted on condition that the product name and the business name and the product name indicated by the privilege target product information match.

  The privilege granting unit 135 transmits the determined payment amount to the payment server 4 of the payment company that can withdraw the payment amount from the account of the user specified by the user ID. Upon receiving the notification from the payment server 4 that the payment can be approved, the privilege granting unit 135 transmits a notification indicating that the payment has been completed to at least one of the user terminal 2 and the shop terminal 3.

  If the balance that can be debited by the payment operator from the user's account is smaller than the payment amount, the privilege granting unit 135 sends the payment amount to another payment operator that can debit a part of the payment amount from the user's account. The difference between the balance and the balance may be transmitted. For example, upon receiving a notification that the balance is insufficient from the first settlement server 4a that has transmitted the settlement amount, the privilege granting unit 135 sets the second difference so as to settle the difference obtained by subtracting the balance from the settlement amount. To the settlement server 4b.

  The privilege giving unit 135 may acquire information indicating the balance of the user from the first payment server 4a and the second payment server 4b. In this case, the privilege granting unit 135 determines whether the first payment provider can deduct the balance from the user's account (that is, the balance notified from the first payment server 4a), When the total amount of the balance that can be debited from the account (that is, the balance notified from the second settlement server 4b) is larger than the settlement amount, a notice of the completion of payment is sent to at least one of the user terminal 2 and the store terminal 3. Send to

  By the way, if the time from when the communication processing unit 134 transmits the settlement token to the user terminal 2 to when the user completes the shopping at the store is long, the privilege granting apparatus 1 manages the issued settlement token for a long time. Need to be done. In addition, the user of the user terminal 2 may provide the obtained payment token to a third party (for example, the payment code may be photographed by a third-party camera so that the third party can use the payment code). There is also a risk that the act will be performed. Therefore, the expiration date may be set for the settlement token. The expiration date is, for example, 10 minutes after the communication processing unit 134 has issued the settlement token.

  In this case, the privilege granting unit 135 setstle the amount obtained by subtracting the amount discounted by the settlement token from the amount included in the settlement information, provided that the date and time when the settlement information was acquired is before the expiration date. Amount. When the date and time when the payment information is acquired has passed the expiration date, the privilege granting unit 135 sets the amount included in the payment information as the user's payment amount as it is.

  If the date and time when the payment information was acquired has passed the expiration date, the privilege granting unit 135 notifies the user terminal 2 that the expiration date has passed and reissues the payment token. May be displayed on the user terminal 2. When the user performs a reissue operation, the operations from (1) to (9) in FIG. 1 are performed again.

  In order to prevent the user from presenting the payment code including the payment token whose expiration date has passed at the store, the communication processing unit 134 sets the usage The user terminal 2 may be notified that the deadline is approaching. For example, the communication processing unit 134 sets the expiration date to two minutes before the expiration date so that the user can recognize that the expiration date may expire before the user starts the checkout at the cash register. The user terminal 2 is notified that it is approaching.

[Operation sequence]
FIG. 5 is an operation sequence diagram of the privilege providing system S. The sequence diagram shown in FIG. 5 starts from the point where the user performs an operation using a coupon on the user terminal 2 (S1). When the user terminal 2 receives an operation using a coupon, the user terminal 2 transmits a use request to the privilege granting device 1.

  Upon receiving the use request, the token generation unit 132 of the privilege granting apparatus 1 generates a payment token (S2), and stores the generated payment token in the storage unit 12 in association with the user ID (S3). The communication processing unit 134 transmits the payment token generated by the token generation unit 132 to the user terminal 2.

  The code creation unit 253 of the user terminal 2 creates a QR code as a payment code based on the payment token received from the privilege granting device 1, and causes the display unit 23 to display the created QR code (S4). When the user presents the QR code displayed on the user terminal 2 at the store and the store terminal 3 reads the QR code (S5), the store terminal 3 setstle the payment information indicating the price of the product purchased by the user, the QR code Is transmitted to the privilege granting device 1.

  The privilege granting unit 135 determines the payment amount for the user by subtracting the discount amount specified based on the payment token from the amount indicated by the payment information received from the store terminal 3 (S6). The privilege giving unit 135 notifies the payment server 4 of the determined payment amount. The settlement server 4 executes a settlement process based on the received settlement amount (S7).

  FIG. 6 is a diagram showing details of an operation sequence between the privilege granting apparatus 1 and the settlement server 4. The sequence diagram shown in FIG. 6 is started from the time when the privilege providing unit 135 determines the payment amount of the user and transmits the payment amount to the first payment server 4a. The first payment server 4a determines whether the balance payable by the user is equal to or more than the payment amount (S11).

  When the first payment server 4a determines that the balance is equal to or more than the payment amount (YES in S11), the first payment server 4a executes a process of setting the payment amount (S12). On the other hand, if the first payment server 4a determines that the balance is less than the payment amount (NO in S11), the first payment server 4a notifies the privilege providing unit 135 of the insufficient amount. Here, the first settlement server 4a may perform settlement processing only for the balance.

  Upon receiving the notification of the shortage amount from the first settlement server 4a, the privilege giving unit 135 notifies the second settlement server 4b, which is another settlement server, of the shortage amount together with the user ID and requests for settlement. . The second settlement server 4b determines whether the balance is equal to or more than the shortage amount (S13). If the second settlement server 4b determines that the balance is equal to or more than the shortage amount (YES in S13), the second settlement server 4b executes a process for settingtle the shortage amount (S14). When the second settlement server 4b determines that the balance is less than the shortage amount (NO in S13), the second settlement server 4b notifies the privilege granting unit 135 of the difference between the balance and the shortage amount as a further shortage amount.

  The privilege granting device 1 requests settlement from a plurality of settlement servers 4 capable of settlement until the settlement of the entire settlement amount is completed. When the payment of the entire payment amount is completed, the privilege giving unit 135 notifies the user terminal 2 and the store terminal 3 that the payment is completed. When a part of the payment amount has not been completed, the privilege granting unit 135 notifies the user terminal 2 and the store terminal 3 of the amount of the unsuccessful payment. After confirming the amount notified to the user terminal 2, the user can pay the notified amount to the clerk in cash.

[First Modification]
In the above description, the case where the privilege target product information transmitted by the store terminal 3 that has read the QR code includes information indicating a product that is likely to be discounted by a coupon among the products purchased by the user. However, the privilege target product information is not limited to this. When the payment token includes the product identification information for identifying the product, the store terminal 3 determines whether or not the user intends to purchase a product discounted by the coupon corresponding to the payment token. The product information may be transmitted to the privilege providing device 1. In this case, the privilege granting unit 135 subtracts the discount amount from the price indicated by the payment information on condition that the privilege target product information indicates that the product to be discounted by the payment token has been purchased. To determine the settlement amount.

[Second Modification]
The privilege granting device 1 associates a product purchased using the same payment token with attribute information of a plurality of users who purchased the product and stores the product in the storage unit 12 or uses the same payment token. Alternatively, the product purchased by the user and the place where the product is purchased may be stored in the storage unit 12 in association with each other. In this case, the privilege providing apparatus 1 may provide the stored information to the coupon provider, or may provide the coupon provider with a result of statistical analysis based on the information.

  For example, the request receiving unit 131 receives a use request transmitted from the user terminal 2, and then provides a server of a provider (for example, a product manufacturing and sales company) providing a coupon that the user intends to use, Alternatively, the attribute information of the user corresponding to the user terminal 2 that has transmitted the use request is transmitted to the server of the company that manages the privilege granting device 1. The attribute information is information indicating characteristics that may be related to the user's product preference, such as the user's age, gender, hobby, occupation, etc., and is stored in advance in the privilege providing device 1 in association with the user ID. ing. The communication processing unit 134 receives from the store terminal 3 information such as the time at which the user purchased the product, the place of purchase (store identification information), or the product purchased by presenting the payment code, and transmits the received various information. It may be provided to the coupon provider. By providing such information to the coupon provider by the privilege providing device 1, it becomes possible for the coupon provider to know which user is willing to purchase the product.

  After calculating the payment amount, the privilege granting unit 135 stores the attribute information of the user who has used the coupon on the server of the provider that provides the coupon or on the server of the company that manages the privilege granting device 1. May be transmitted. By operating the request receiving unit 131 and the privilege granting unit 135 in this way, the coupon provider or the business operator managing the privilege granting device 1 determines how many of the users who try to use the coupon use the coupon. It is possible to grasp whether the user is actually purchasing a product using the coupon.

[Third Modification]
In the above description, the case where the privilege granting unit 135 transmits the payment amount to the payment server 4 and the payment server 4 executes the payment processing is illustrated, but the entity that performs the payment processing is arbitrary. For example, the privilege granting unit 135 executes a payment process for debiting the payment amount from the account of the user specified by the user ID, and after executing the process for debiting the payment amount, notifies the user terminal 2 and the store terminal 3 of the completion of payment. And may be transmitted. As described above, since the privilege granting unit 135 performs the payment process, the privilege granting unit 135 does not need to transmit and receive data to and from the payment server 4, so that the time required for the payment process can be reduced.

[Fourth Modification]
In the above description, the case where the user terminal 2 obtains a coupon from a business entity that provides a product discounted by the coupon has been described as an example, but the method for the user terminal 2 to obtain the coupon is arbitrary. For example, the privilege granting device 1 provides a coupon to the user terminal 2 in response to a request from a company that provides products discounted by the coupon. The storage control unit 133 stores a coupon ID for identifying the coupon transmitted to the user terminal 2 in association with the user ID.

  In this case, the communication processing unit 134 periodically obtains the location information indicating the location of the user terminal 2 to specify the location of the user, and among stores where the coupon can be used, the distance from the location of the user terminal 2 is reduced. Information indicating a store having a predetermined value or less may be notified to the user terminal 2. By operating the privilege providing apparatus 1 in this manner, the probability that the user uses the coupon can be increased.

[Effects of the privilege grant system S]
As described above, upon acquiring a coupon use request from the user terminal 2, the privilege granting device 1 generates a payment token corresponding to the coupon, and transmits the generated payment token to the user terminal 2. The user terminal 2 creates a payment code based on the received payment token. When acquiring the payment information, the payment token, and the privileged product information from the store terminal 3 that has read the payment code, the privilege granting unit 135 determines the payment amount of the user by subtracting the discount amount from the payment amount. . By operating the privilege granting device 1 and the user terminal 2 in this manner, the store clerk can perform the payment process only by reading the payment code, and the user of the user terminal 2 receives the discount by the coupon. Therefore, the settlement process of the electronic settlement using the coupon is simplified.

  As described above, the present invention has been described using the embodiment, but the technical scope of the present invention is not limited to the scope described in the above embodiment, and various modifications and changes are possible within the scope of the gist. is there. For example, the specific embodiment of the dispersion / integration of the apparatus is not limited to the above embodiment, and all or a part of the apparatus may be functionally or physically dispersed / integrated in an arbitrary unit. Can be. Further, new embodiments that are generated by arbitrary combinations of the plurality of embodiments are also included in the embodiments of the present invention. The effect of the new embodiment caused by the combination has the effect of the original embodiment.

1 Privilege granting device 2 User terminal 3 Store terminal 4 Payment server 11 Communication unit 12 Storage unit 13 Control unit 21 Operation unit 22 Communication unit 23 Display unit 24 Storage unit 25 Control unit 131 Request reception unit 132 Token generation unit 133 Storage control unit 134 Communication processing unit 135 Privilege granting unit 251 Operation accepting unit 252 Request transmitting unit 253 Code creating unit

Claims (12)

Computer runs,
Accepting a user identifier and a coupon usage request for identifying a user from the user terminal of the user;
Generating a payment token for the user to settle the coupon at an available store;
Storing the payment token and the user identifier in a storage unit in association with each other;
Transmitting the generated payment token to the user terminal;
From the store terminal reading the payment code displayed by the user terminal based on the payment token, payment information for use in payment of one or more products, the payment token, and the one or more products Receiving benefit-targeted product information for identifying a benefit-targeted product that is a product to which the benefit by the coupon is given; and
Reading the user identifier from the storage unit based on the payment token received from the store terminal;
When the privilege target product can be specified by the received privilege target product information, a step of giving a privilege by the coupon to the user corresponding to the user identifier,
A privilege granting method having When the product indicated by the privilege target product information is a product to be discounted by the payment token, an amount obtained by subtracting the amount discounted by the payment token from the amount included in the payment information is used by the user. Determining the settlement amount;
Deducting the payment amount from the account of the user identified by the user identifier,
After the step of withdrawing the payment amount, transmitting a notice of payment completion to the user terminal and the store terminal,
Further having
The privilege providing method according to claim 1. Further comprising the step of transmitting the payment amount to a payment provider that can debit the payment amount from the account of the user specified by the user identifier,
The privilege granting method according to claim 2. If the balance that the payment operator can withdraw from the user's account is smaller than the payment amount, the payment amount can be transferred to another payment operator that can withdraw a portion of the payment amount from the user's account. And transmitting the difference between the balance and the balance.
The privilege granting method according to claim 3. When the total amount of the balance that the settlement operator can deduct from the user's account and the balance that the other settlement operator can deduct from the user's account is larger than the settlement amount, the payment is completed. Further comprising transmitting a notification of at least one of the user terminal and the shop terminal,
The privilege granting method according to claim 4. The settlement token has an expiration date set,
In the step of calculating the payment amount, the amount discounted by the payment token is subtracted from the amount included in the payment information, provided that the date and time when the payment information is obtained is before the expiration date. The settlement amount as the settlement amount,
The privilege granting method according to any one of claims 2 to 5. After the step of receiving the use request, the user corresponding to the user terminal that transmitted the use request to a provider that provides the coupon or a company that manages the computer that determines the payment amount Further comprising transmitting attribute information of
The privilege granting method according to any one of claims 2 to 6. After the step of calculating the payment amount, the attribute information of the user using the coupon is transmitted to a provider that provides the coupon or a company that manages the computer that determines the payment amount. Further comprising a step,
The privilege granting method according to any one of claims 2 to 7. Further comprising a step of storing a product purchased using the same payment token and attribute information of the plurality of users who purchased the product in association with each other,
The privilege granting method according to any one of claims 1 to 8. The method further includes a step of storing a product purchased using the same payment token in association with a place where the product is purchased,
The privilege granting method according to any one of claims 1 to 9. A request receiving unit that receives a user identifier and a coupon use request for specifying a user from the user terminal of the user,
A token generation unit that generates a payment token for the user to make a payment at a store where the coupon is available,
A storage control unit that stores the payment token and the user identifier in a storage unit in association with each other,
After transmitting the generated payment token to the user terminal, and after transmitting the payment token, one or more products from the store terminal that has read the payment code displayed by the user terminal based on the payment token. Receiving the payment information for use in the payment, the payment token, and the privilege target product information for specifying the privilege target product that is the product to which the privilege based on the coupon is given out of the one or more products. A communication processing unit,
The communication processing unit reads the user identifier from the storage unit based on the payment token received from the store terminal, and when the privilege target product can be identified by the received privilege target product information, the user identifier A privilege granting unit that grants a privilege by the coupon to the user corresponding to
The privilege granting device having the following. A user terminal of a user who uses the coupon, and a privilege granting device capable of communicating with the user terminal,
The user terminal,
An operation receiving unit that receives an operation for using the coupon,
When the operation receiving unit receives the operation, a request transmitting unit that transmits a user identifier for identifying the user and a use request of the coupon to the privilege providing device,
Code creation for creating a payment code based on a payment token received from the privilege granting device for the user to settle the coupon at a store where the coupon can be used after the request transmission unit transmits the use request. Department and
Has,
The privilege providing device,
A request receiving unit that receives the user identifier and the use request from the user terminal;
A token generation unit that generates the payment token;
A storage control unit that stores the payment token and the user identifier in a storage unit in association with each other,
After transmitting the generated payment token to the user terminal, and after transmitting the payment token, one or more products from the store terminal that has read the payment code displayed by the user terminal based on the payment token. Receiving the payment information for use in the payment, the payment token, and the privilege target product information for specifying the privilege target product that is the product to which the privilege based on the coupon is provided among the one or more products. A communication processing unit,
The communication processing unit reads the user identifier from the storage unit based on the payment token received from the store terminal, and when the privilege target product can be identified by the received privilege target product information, the user identifier A privilege granting unit that grants a privilege by the coupon to the user corresponding to
The privilege grant system which has.

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