JP2020123291A - Information processing system, information processing method, and information processing program - Google Patents

Abstract

To provide an information processing system, an information processing method, and an information processing program that can integrate a plurality of point cards.SOLUTION: An information processing system includes: a storage unit that stores multiple pieces of rule information that define rules for generating point information based on settlement information; an acquisition unit that acquires the settlement information including user information; a processing unit that selects one piece of rule information corresponding to the settlement information acquired by the acquisition unit from the multiple pieces of rule information stored in the storage unit, generates point information based on the selected rule information and the settlement information, and stores the generated point information in the storage unit in association with the user information; an identification unit that identifies the user information; a reading unit that reads the corresponding point information based on the user information identified by the identification unit from the storage unit; and a settlement unit that performs settlement based on the point information read by the reading unit.SELECTED DRAWING: Figure 1

Description

The present invention relates to an information processing system, an information processing method, and an information processing program.

Conventionally, point cards have been introduced in retail stores for the purpose of promoting their own sales. The point card system includes, for example, the technique described in Patent Document 1. In the technique described in Patent Document 1, first, a user issues a point card for each store, and then performs a registration procedure to integrate the point card of each store into a credit card. Further, with this technique, the user is given points only by presenting a credit card when receiving service provision at a store.

JP, 2008-310430, A

However, in the technique described in Patent Document 1, the user himself/herself has to submit a registration application for the integration of the point card and the credit card, and the procedure may be complicated for the user.

An object of the present invention is to provide an information processing system, an information processing method, and an information processing program capable of integrating a plurality of point services.

An information processing system according to an embodiment is a storage unit that stores a plurality of rule information that defines a rule for generating point information based on payment information, an acquisition unit that acquires payment information including user information, and a storage unit. One piece of rule information corresponding to the payment information acquired by the acquisition unit is selected from a plurality of pieces of rule information stored in, the point information is generated based on the selected rule information and the payment information, and the generated point information is generated. A processing unit for storing the user information in the storage unit in association with the user information, an identification unit for identifying the user information, a reading unit for reading corresponding point information from the storage unit based on the user information identified by the identification unit, and a reading unit. A settlement unit that performs settlement based on the point information read by the unit.

In the information processing system of one embodiment, the storage unit stores rule information set in advance for each of a plurality of different financial institutions or businesses, or by a point-providing business affiliated with a plurality of different financial institutions or businesses. The acquisition unit stores, as payment information, a plurality of payment information via the communication network from the information devices arranged in different financial institutions or businesses, and the processing unit acquires the payment information by the acquisition unit. Is acquired, the rule information set by the financial institution, business operator or point provider corresponding to the payment information is selected from the storage unit, and the point information according to the acquired payment information is selected based on the selected rule information. Is preferably generated.

In the information processing system of one embodiment, the acquisition unit stores payment information used for credit card payment, payment information used when using a point card, and payment information used when using a welfare facility. It is preferable to acquire at least one of them.

In the information processing system according to one embodiment, when the settlement unit performs the settlement based on the point information, at least one of a user, a financial institution, a company, and a point provider is based on the point information. It is preferable to further include a notifying unit for notifying that the settlement has been performed.

In the information processing system of one embodiment, the acquisition unit acquires the payment information when the payment is made in the payment unit based on the point information, and the processing unit is based on the payment information acquired by the acquisition unit. It is preferable to subtract the points used for payment from the point information stored in the storage unit, and store the subtracted point information in the storage unit.

It is preferable that the information processing system of one embodiment further includes a presenting unit that presents the point information to the user corresponding to the user information identified by the identifying unit when the point information is read by the reading unit.

In the information processing method according to one embodiment, a computer obtains payment information including user information, a storage step of storing a plurality of rule information in a storage unit, the rule information defining a rule for generating point information based on the payment information. One rule information corresponding to the payment information acquired in the acquisition step is selected from the plurality of rule information stored in the acquisition step and the storage step, and the point information is generated based on the selected rule information and the payment information. Then, the processing step of storing the generated point information in the storage unit in association with the user information, the identification step of identifying the user information, and the corresponding point information based on the user information identified in the identification step from the storage unit. A reading step for reading and a settlement step for performing settlement based on the point information read in the reading step are executed.

An information processing program according to an embodiment obtains payment information including user information, and a storage function of causing a computer to store a plurality of rule information in a storage unit, the rule information defining rules for generating point information based on payment information. One rule information corresponding to the payment information acquired by the acquisition function is selected from the acquisition function and a plurality of pieces of rule information stored in the storage unit by the storage function, and points are selected based on the selected rule information and the payment information. A processing function of generating information, storing the generated point information in association with the user information in the storage unit, an identification function of identifying the user information, and corresponding point information based on the user information identified by the identification function. A reading function for reading from the storage unit and a settlement function for performing settlement based on the point information read by the reading function are realized.

According to this embodiment, it is possible to provide an information processing system, an information processing method, and an information processing program that integrate a plurality of point services.

It is a block diagram for explaining an information processing system concerning one embodiment. It is a figure for explaining an example of rule information. It is a figure for explaining an example of settlement information. It is a figure for explaining an example of point information. 6 is a flowchart for explaining an information processing method according to an embodiment. It is a sequence diagram for explaining a modification of the information processing method.

Next, an embodiment of the present invention will be described.
FIG. 1 is a block diagram for explaining an information processing system according to an embodiment.
FIG. 2 is a diagram for explaining an example of rule information.
FIG. 3 is a diagram for explaining an example of payment information.
FIG. 4 is a diagram for explaining an example of the point information.

The information processing system 1 includes a server 10 and a store terminal 20 connected to the server 10 via a network. There may be a plurality of store terminals 20. The number of store terminals 20 is not limited to three as illustrated in FIG. 1 and may be two or more. The plurality of store terminals 20 may be arranged in each of a plurality of stores with different businesses.

The server 10 includes a storage unit 11, an acquisition unit 12, a processing unit 13, and a notification unit 14. The store terminal 20 includes an identification unit 21, a reading unit 22, a settlement unit 23, and a presentation unit 24. The store terminal 20 corresponds to one embodiment of the “information device” of the present invention.

First, the server 10 will be described.
The storage unit 11 can store various kinds of information.
The storage unit 11 stores rule information for generating points. The storage unit 11 can store a plurality of pieces of rule information. Points are generated, for example, when a product is purchased at a store and when a service is provided at the store. The airline provides mileage service. The points of this embodiment may include “miles” of the mileage service. The rule information for generating points defines rules such as 1 point for every 100 yen for accounting, or 1 point for each service received. That is, the rule information defines a rule for generating the point information based on the payment information. As for the rule information, as shown in a concrete example in FIG. 2, the business operator G gives 1 point for every 100 yen, the business operator H gives one point for every 200 yen, and the business operator J gives Rules such as adding 1 point for every 300 yen of accounting amount will be stipulated. This rule information is set in advance by, for example, a business operator who operates a store, or a business operator (financial institution) that manages a credit card or electronic money used for accounting. Alternatively, the rule information is set in advance by a point providing business operator who entrusts the management of points by a business operator or a financial institution. That is, the rule information is preset for each of a plurality of different financial institutions or businesses. Alternatively, the rule information is set in advance by a point providing business operator affiliated with a plurality of different financial institutions or business operators.

The acquisition unit 12 acquires payment information including user information.
For example, when a user purchases a product or is provided with a service at a store, the user may use a credit card, electronic money, or the like for accounting. In this case, payment information is generated at the store (store terminal 20) based on the user using a credit card, electronic money, or the like. The payment information includes user information for identifying the user. When the payment information is generated, the shop terminal 20 transmits the payment information to the server 10. The payment information is, for example, information generated when a product is accounted for by using a credit card, electronic money, or the like in a store or the Internet.

As shown in a specific example in FIG. 3, the settlement information includes a billing ID, user information, a billing date, business entity information, a billing amount, and the like. The billing ID is information for identifying payment information. The user information is information that identifies a user who has used a credit card, electronic money, or the like. The billing date is information on the date when the payment is made. The business operator information is information for identifying a store (business operator) in which the user uses a credit card, electronic money, or the like. The billing amount is information on the price for purchasing a product or the price for using a service. As illustrated in FIG. 3, in the payment information, when the claim ID is X001, the user A uses a credit card or the like at the store (business) G on November 1, 2018 at the store (business) G. be written.

Alternatively, the user may receive a point service by presenting a point card issued by the shop or the like, for example, when making a transaction at the shop. The point service reads a bar code or the like written on a point card to identify a user and provides points to the user. Even when the user uses the loyalty card in this way, the store terminal 20 acquires the user information by, for example, reading a bar code or the like written on the loyalty card, and makes an account with cash, electronic money, a credit card, or the like. Go and get the payment information at the time of this accounting. The shop terminal 20 transmits the user information and the payment information to the server 10.

Alternatively, for example, when the user wants to use the welfare facility, if an application is made in advance to a business operator (predetermined institution), points usable at the welfare facility may be given in advance. In such a case, when the user makes an application for use of the benefit facility to the business operator (predetermined organization), payment information for using the benefit service facility is generated by the business operator. The payment information is for generating points and is transmitted from the business operator (predetermined institution) to the server 10.

The acquisition unit 12 acquires, as the payment information, a plurality of payment information via the communication network from the store terminals 20 arranged at the different financial institutions or businesses. Thereby, the acquisition unit 12 selects at least one of the payment information used for credit card payment, the payment information used when using the point card, and the payment information used when using the welfare facility. Get one.

The processing unit 13 selects one rule information corresponding to the payment information acquired by the acquisition unit 12 from the plurality of rule information stored in the storage unit 11, and points based on the selected rule information and the payment information. Information is generated and the generated point information is stored in the storage unit 11 in association with the user information. Specifically, when the acquisition unit 12 acquires the payment information, the processing unit 13 stores the rule information set by the financial institution, the business operator, or the point providing business operator (business operator, etc.) corresponding to the payment information in the storage unit. The point information corresponding to each of the plurality of pieces of payment information is generated based on the selected rule information.

For example, the processing unit 13 specifies the rule information stored in the storage unit 11 based on the identification information because the payment information includes the identification information for identifying the business operator or the financial institution. The payment information may include identification information for identifying the point provider. Alternatively, the rule information may include affiliate information that associates a business or financial institution with a point providing business with which the business or financial institution cooperates.

Accordingly, when the acquisition unit 12 acquires the payment information, the processing unit 13 can select the rule information corresponding to the payment information. That is, the processing unit 13 can select the rule information according to the payment information even when the storage unit 11 stores a plurality of different rule information provided by different businesses. When selecting the rule information, the processing unit 13 generates point information based on the selected rule information and the payment information. Since the settlement information includes the user information, the processing unit 13 stores the point information in the storage unit 11 in association with the user information.
In addition, as will be described later, the processing unit 13 performs processing such as subtracting used points from the points included in the point information when paying for a product or the like by using the point information, and obtains the processed point information. It is stored in the storage unit 11.
As described above, the processing unit 13 generates the point information for each business operator according to the payment information for each business operator. As shown in an example of the point information in FIG. 4, the user A has 215 points as the points of the business operator G and 420 points as the points of the business operator H. The user B has 355 points as points of the business operator J. The processing unit 13 generates point information as illustrated in FIG.

Next, the store terminal 20 will be described.
The identification unit 21 identifies user information. The identification unit 21 includes, for example, a barcode reader and an IC card reader. The identification unit 21 acquires the user information for identifying the user, for example, by reading the barcode written on the point card of the user. Alternatively, the identification unit 21 acquires the user information, for example, by making a payment using a credit card, electronic money, or the like owned by the user. Thereby, the identification unit 21 can identify the user based on the user information.

The reading unit 22 reads the corresponding point information from the storage unit 11 based on the user information identified by the identifying unit 21. When the identification unit 21 acquires the user information, the reading unit 22 accesses the storage unit 11 of the server 10 and acquires the point information based on the user information. As a result, the reading unit 22 can acquire the point information corresponding to each of the plurality of users.

If there is a plurality of point information associated with the user information, that is, if a plurality of different point information based on the respective rule information of a plurality of different businesses is associated with the user information, the reading unit 22. For example, it is possible to read the point information generated from the rule information set by the business operator itself, based on the information (business operator information) for identifying the business operator. The business entity information is stored in the store terminal 20, for example. In this case, when reading the point information from the storage unit 11 of the server 10, the reading unit 22 reads the business entity information stored in the shop terminal 20 and transmits it to the server.

The settlement unit 23 performs settlement based on the point information read by the reading unit 22. The settlement unit 23 performs the settlement based on the point information, such as applying the points to an accounting amount (as an example, a purchase amount of a product, a food and drink price, etc.). The relationship between the points and the applied amount, such as allocating the points to the accounting amount, is preset by the business operator or the like. As an example, when a rule that 1 point can be exchanged for 1 yen is set in advance, the settlement unit 23 sets point information (the number of points) for exchange based on a user instruction or the like. The settlement unit 23 performs a process of subtracting the set point information (the number of points) from the accounting amount.

Here, the shop terminal 20 preferably includes a presentation unit 24. When the reading unit 22 reads the point information, the presenting unit 24 presents the point information to the user corresponding to the user information identified by the identifying unit 21. When the user is presented with the number of points owned by the presentation unit 24, the user can determine whether or not to approve the points to the accounting amount at the time of accounting. The presentation unit 24 may be a presentation device (point inquiry machine) installed in a store or the like for the user to check his or her point balance.

When the settlement section 23 described above performs the settlement based on the point information, the settlement information at that time is transmitted to the server 10. When the acquisition unit 12 of the server 10 acquires the payment information, the processing unit 13 rewrites the point information of the user based on the payment information. That is, the processing unit 13 performs processing such as subtracting the used points from the points included in the point information, and stores the processed point information in the storage unit 11. In other words, the acquisition unit 12 first acquires the settlement information when the settlement unit 23 performs the settlement based on the point information. Next, the processing unit 13 subtracts the points used for the payment from the point information stored in the storage unit 11 based on the payment information acquired by the acquisition unit 12, and stores the subtracted point information in the storage unit. Store in 11.

The identifying unit 21, the reading unit 22, the settlement unit 23, and the presenting unit 24 are not limited to the example provided in the store terminal 20 as described above, and may be provided in the server 10.
In this case, the identification unit 21 identifies the payment information and also identifies the user information included in the payment information. The reading unit 22 reads the point information from the storage unit 11 based on at least the user information of the payment information and the user information, for example. The presentation unit 24 transmits the read point information to, for example, a mobile terminal owned by the user via a network. The presentation unit 24 stores the point information in the user's mobile phone by, for example, including the transmission destination in the user information or storing information in which the user information and the transmission destination are associated with each other in the storage unit. It becomes possible to send to a terminal or the like. For example, when the settlement unit 23 receives an instruction from the user to perform settlement using points, the settlement unit 23 performs settlement based on the point information.

In addition, the server 10 preferably includes a notification unit 14. When the settlement unit 23 performs the settlement based on the point information, the notification unit 14 performs the settlement on the basis of the point information for at least one of the user, the financial institution, the enterprise, and the point providing enterprise. Notify that you have been broken. That is, the server 10 stores the point information after being processed by the processing unit 13 in the storage unit 11, and the content indicating that the points are applied to the accounting amount at the store or the like by the notification unit 14 as the point information. Notify the business operator, etc. At the time of the notification, the notification unit 14 notifies the user information for identifying the user who has used the points, the number of points allocated to the accounting amount, the number of remaining points owned by the user, and the like. May be included.

The information processing system 1 described above may be realized as a function of a computer. That is, the information processing system 1 may implement the processing device provided in each of the server 10 and the shop terminal 20 as each function by a program. The program may be recorded in a recording medium such as an optical disk and a memory.

Next, an information processing method according to an embodiment will be described.
FIG. 5 is a flowchart for explaining the information processing method according to the embodiment.

In step ST11, the storage unit 11 of the server 10 stores a plurality of pieces of rule information. This step ST11 generates points, such as when a system provider who provides the information processing system 1 and a business operator, a financial institution, or a point provider (business operator, etc.) who wants to provide points cooperate with each other. Every time a rule is defined, the rule information is stored in the storage unit 11.
That is, in the information processing method, the process of step ST11 is not always executed but is executed when the rule information is stored in the storage unit 11.

In step ST12, the acquisition unit 12 of the server 10 acquires payment information. The shop terminal 20 generates payment information as a result of the payment each time the payment is made, and transmits the payment information to the server 10.

In step ST13, the processing unit 13 of the server 10 stores the point information in the storage unit 11. That is, when the processing unit 13 acquires the payment information in step ST12, the processing unit 13 selects the rule information corresponding to the payment information from the plurality of rule information stored in step ST11, and sets the selected rule information and payment information. The point information is generated based on the points. The processing unit 13 stores the generated point information in the storage unit 11.

In step ST14, the identification unit 21 arranged in the store terminal 20 identifies the user information used for the transaction when the transaction is performed for the user to purchase the product.

In step ST15, the reading unit 22 of the store terminal 20 determines whether or not to use points when the user accounts for the product or the like. When the points are used (Yes), the process proceeds to step ST16. If the points are not used (No), the accounting ends without using the points, and the processing of the information processing method ends.

In step ST16, the reading unit 22 arranged in the store terminal 20 reads the point information corresponding to the user information from the storage unit 11 of the server 10 based on the user information identified in step ST14.

In step ST17, the presentation unit 24 of the store terminal 20 presents the point information read in step ST16. For example, the point information may be presented to the user, or may be presented to the clerk operating the store terminal 20 and then transmitted to the user via the clerk.

In step ST18, the settlement unit 23 of the store terminal 20 performs settlement based on the point information read in step ST16. That is, the settlement unit 23 performs processing such as applying points to the accounting amount. When the settlement section 23 performs the settlement based on the point information, the settlement information at that time is transmitted to the server 10.

In step ST19, the acquisition unit 12 of the server 10 acquires the point information transmitted in step ST18. When the acquisition unit 12 acquires the point information, the processing unit 13 of the server 10 acquires the point information based on the payment information acquired in Step ST18 from the point information stored in Step ST13 (point information allocated to the accounting amount). Is subtracted, and the point information after the subtraction is stored in the storage unit 11. Further, the notification unit 14 of the server 10 notifies the point information after the subtraction, the point information allocated to the accounting amount, and the like to the business operator who provides the points.
The process ends after step ST19.

In addition, the information processing method mentioned above shows the example which performs a settlement in the shop terminal 20.
As described above, the identifying unit 21, the reading unit 22, the settlement unit 23, and the presenting unit 24 are not limited to the example provided in the store terminal 20, and may be provided in the server 10.
In this case, the information processing method performs the following processing instead of steps ST14 to ST18.
First, the acquisition unit 12 of the server 10 acquires payment information from the store terminal 20 or the like.
Next, the identification unit 21 of the server 10 as a modification identifies the payment information and also identifies the user information included in the payment information.
Next, the reading unit 22 of the server 10 according to the modification reads the point information from the storage unit 11 based on at least the user information of the payment information and the user information, for example.
Next, the presentation unit 24 of the server 10 as a modification transmits the read point information to, for example, a mobile terminal owned by the user via a network.
Next, for example, when the settlement unit 23 of the server 10 as a modified example receives an instruction from the user to perform settlement using points, the settlement unit 23 performs settlement based on the point information.
Even in such a modified example, the information processing method can make payment using points.

Next, a modified example of the information processing method will be described. In this modified example, an example will be described in which the identification unit 21, the reading unit 22, the settlement unit 23, and the presentation unit 24 are arranged in the server 10, not in the shop terminal 20.
FIG. 6 is a sequence diagram for explaining a modified example of the information processing method.

In step ST101, the business operator or the like uses the information terminal or the like to create rule information.
In step ST102, the business operator or the like uses the information terminal or the like to transmit the rule information created in step ST101 to the server 10.
In step ST103, when the server 10 acquires the rule information transmitted in step ST102, the server 10 stores the rule information in the storage unit 11.

In step ST104, the user purchases a product at a store or the like, for example.
In step ST105, when the user tries to purchase a product in step ST104, the shop terminal 20 reads a credit card or electronic money, for example, and generates payment information.
In step ST106, the shop terminal 20 transmits the payment information generated in step ST105 to the server 10.
In step ST107, the acquisition unit 12 of the server 10 acquires the payment information transmitted in step ST106. The processing unit 13 of the server 10 generates point information based on the payment information and stores the point information in the storage unit 11.

In step ST108, the same user as in step ST104 again purchases the product at a store or the like, for example.
In step ST109, when the user tries to purchase a product in step ST108, the shop terminal 20 reads a credit card, electronic money, or the like as an example to generate payment information.
In step ST110, the shop terminal 20 transmits the payment information generated in step ST109 to the server 10.

In step ST111, the acquisition unit 12 of the server 10 acquires the payment information transmitted in step ST110. The identification unit 21 of the server 10 as a modification identifies the payment information and also identifies the user information included in the payment information. The reading unit 22 of the server 10 as a modification reads the point information from the storage unit 11 based on at least the user information of the payment information and the user information, for example.
In step ST112, the presentation unit 24 of the server 10 as a modification presents the read point information to, for example, a mobile terminal owned by the user.
In step ST113, when the point information is presented in step ST112, the user's mobile terminal or the like transmits to the server 10 whether or not to use points at the time of payment.

In step ST114, the settlement unit 23 of the server 10 as a modification performs the settlement based on the user's instruction in step ST113. That is, for example, when the settlement unit 23 receives an instruction from the user to perform settlement using points, the settlement unit 23 performs settlement based on the point information. On the other hand, for example, when the settlement unit 23 receives an instruction from the user to perform the settlement without using the points, the settlement unit 23 performs the settlement without exchanging the points for the price of the product.
In step ST115, the settlement unit 23 of the server 10 as a modified example rewrites the point information of the user stored in the storage unit 11 when the settlement is performed based on the point information in step ST114. That is, the settlement unit 23 subtracts the number of points used for settlement from the point information stored in the storage unit 11, and stores the subtracted point information in the storage unit 11.
In step ST116, when the settlement is performed based on the point information in step ST114, the notification unit 14 transmits point information such as the number of points used for settlement and the number of remaining points after settlement to the store terminal 20.
In step ST117, when the settlement is performed based on the point information in step ST114, the notification unit 14 transmits point information such as the number of points used for settlement and the number of remaining points after settlement to the user's mobile terminal or the like. To do.

Next, the effect of this embodiment will be described.
The information processing system 1 includes a storage unit 11 that stores a plurality of pieces of rule information that defines rules for generating point information based on payment information, an acquisition unit 12 that acquires payment information that includes user information, and a storage unit 11. One piece of rule information corresponding to the payment information acquired by the acquisition unit 12 is selected from the plurality of pieces of rule information stored in, and the point information is generated based on the selected rule information and the payment information, and the generated point information is generated. From the storage unit 11, a processing unit 13 that stores information in the storage unit 11 in association with the user information, an identification unit 21 that identifies the user information, and corresponding point information based on the user information identified by the identification unit 21. A reading unit 22 for reading and a settlement unit 23 for performing settlement based on the point information read by the reading unit 22 are provided.
The information processing system 1 stores a plurality of rule information in the storage unit 11 of the server 10, selects one rule information corresponding to the payment information from the plurality of rule information, and points based on the selected rule information. Information can be generated. As a result, the information processing system 1 can integrate the point system provided by a plurality of businesses into one system 1.
Further, in the information processing system 1, since the user only applies for settlement as in the conventional case (accounting is performed in the same manner as in the conventional case), the user can use the point system of the business operator without feeling the procedure complicated. ..
The information processing system 1 can generate points based on the payment information by acquiring the payment information from the business operator or the like. Therefore, each business operator can provide points by requesting the point providing business to the provider of the information processing system 1 without constructing a system for providing points.
The information processing system 1 can select rule information to be generated based on the payment information. As a result, the information processing system 1 can generate point information according to the individual situation of the business operator and the like, and can perform the settlement based on the generated point information.
Since the information processing system 1 generates the point information after the payment is made, it takes time from the payment to the point information. Accordingly, the information processing system 1 can prevent an unauthorized use such as returning a product immediately after purchasing the product (after payment) and acquiring only points.

In the information processing system 1, the storage unit 11 generates points set in advance for each of a plurality of different financial institutions or businesses, or by a point provider that is affiliated with a plurality of different financial institutions or businesses. It is preferable to store the rule information of. In this case, it is preferable that the acquisition unit 12 acquires, as the payment information, a plurality of payment information from the store terminals 20 arranged in different financial institutions or businesses respectively via the communication network. Further, when the acquisition unit 12 acquires the payment information, the processing unit 13 selects from the storage unit 11 the rule information set by the financial institution, the business operator, or the point providing business operator corresponding to the payment information, and selects the selected rule. It is preferable to generate point information corresponding to each of the plurality of payment information based on the information.
As a result, the information processing system 1 can generate point information for each business operator and the like, and can make a settlement based on the generated point information.
Further, the rule information can be jointly determined by a plurality of businesses and the like. Accordingly, the information processing system 1 can provide points according to the situations of the plurality of businesses even if the plurality of businesses or the like are affiliated with each other regarding the points.

In the information processing system 1, the acquisition unit 12 includes at least payment information used for credit card payment, payment information used when using a point card, and payment information used when using a welfare facility. It is preferable to acquire one.
The information processing system 1 applies for the use of a welfare facility when the user uses a credit card to purchase a product or uses a point card issued by a store regardless of whether or not the credit card is used. In either case, the point information can be generated.

In the information processing system 1, when the settlement is performed based on the point information, the notification unit 14 performs the settlement based on the point information to at least one of the financial institution, the business operator, and the point providing business. It is preferable to give a notification that the information has been broken.
Since the information processing system 1 notifies the business operator or the like that the points have been used by the notification unit 14, the business operator or the like who has received this notification can grasp the usage status of the points, and Can be used.

In the information processing system 1, the acquisition unit 12 preferably acquires the settlement information when the settlement unit 23 performs the settlement based on the point information. In this case, the processing unit 13 subtracts the points used for payment from the point information stored in the storage unit 11 based on the payment information acquired by the acquisition unit 12, and stores the subtracted point information in the storage unit. 11 is preferable.
The information processing system 1 can update the point information stored in the storage unit 11 of the server 10 to the latest state when the points are used in a store or the like.

In the information processing system 1, when the reading unit 22 reads the point information, the presenting unit 24 preferably presents the point information to the user corresponding to the user information identified by the identifying unit 21.
Since the information processing system 1 presents the point information of the user to the user by the presenting unit 24, the user can know the number of points owned by the user.

In the information processing method, a computer generates an acquisition step of acquiring payment information including user information, generates point information based on the payment information acquired in the acquisition step, and associates the generated point information with the user information in a storage unit. Stored in the storage unit 11, an identification step for identifying user information, a reading step for reading corresponding point information from the storage unit 11 based on the user information identified in the identifying step, and point information read in the reading step. And a settlement step of performing settlement based on.
The information processing method can generate points based on the payment information by acquiring the payment information from the business operator. Therefore, even if each business operator does not construct a system for providing points by himself/herself, he/she can provide points by himself/herself by requesting the provider of the information processing system 1 for the point providing business.

The information processing program causes a computer to acquire an acquisition function for acquiring payment information including user information, generate point information based on the payment information acquired by the acquisition function, and associate the generated point information with the user information in a storage unit. 11, a processing function stored in the storage unit 11, an identification function for identifying user information, a reading function for reading corresponding point information from the storage unit 11 based on the user information identified by the identification function, and a point read by the reading function. And a settlement function for performing settlement based on information.
The information processing program can generate points based on the payment information by acquiring the payment information from the business operator or the like. Therefore, each business operator can provide points by requesting the point providing business to the provider of the information processing system 1 without constructing a system for providing points.

The embodiment is not limited to the above-mentioned example, and the embodiment can be modified as follows.
That is, in the above embodiment, an example in which the rule information is set for each business has been described. However, when a plurality of different businesses collaborate, the rule information may be set in the alliance.

Further, in the above-described embodiment, an example is described in which point information is generated for each business operator based on the rule information and the point information is used by the business operator based on the point information of each business operator. .. However, when a plurality of different businesses or the like are affiliated with each other, it is possible for one business operator or the like to use the point information of other businesses or the like having an affiliated relationship with it.
In this case, in the process of step ST15, it may be determined whether or not the points of another business operator having a tie-up relationship are used. Then, in the process of step ST16, the reading unit 22 may read the point information of another company or the like, and the presentation unit 24 may present the point information of the other company or the like in the process of step ST17.

Further, the acquisition unit 12 is not limited to the example of acquiring the payment information from the store terminal 20, and can acquire various payment information such as payment information generated during a transaction using the network (for example, online shopping). ..

DESCRIPTION OF SYMBOLS 1 Information processing system 10 Server 11 Storage part 12 Acquisition part 13 Processing part 14 Notification part 20 Store terminal 21 Identification part 22 Reading part 23 Settlement part 24 Presenting part

Claims (8)

A storage unit that stores a plurality of rule information that defines rules for generating point information based on payment information,
An acquisition unit for acquiring payment information including user information,
Select one rule information corresponding to the payment information acquired by the acquisition unit from the plurality of rule information stored in the storage unit, and generate point information based on the selected rule information and payment information, A processing unit that stores the generated point information in the storage unit in association with the user information,
An identification unit for identifying user information,
A reading unit that reads corresponding point information from the storage unit based on the user information identified by the identifying unit;
A settlement unit that performs settlement based on the point information read by the reading unit;
An information processing system including. The storage unit stores rule information set in advance for each of a plurality of different financial institutions or businesses, or by a plurality of different financial institutions or businesses affiliated with point providers.
As the payment information, the acquisition unit acquires a plurality of payment information via a communication network from an information device arranged in each of a plurality of different financial institutions or businesses,
When the payment information is acquired by the acquisition unit, the processing unit selects from the storage unit the rule information set by the financial institution, the business operator, or the point providing business operator corresponding to the payment information, and sets the selected rule information. The information processing system according to claim 1, wherein the point information corresponding to the acquired payment information is generated based on the acquired payment information. The acquisition unit acquires at least one of payment information used for credit card payment, payment information used when using a point card, and payment information used when using a welfare facility. The information processing system according to item 1 or 2. When the settlement unit performs the settlement based on the point information, it is confirmed that the settlement is performed based on the point information for at least one of the user, the financial institution, the company, and the point provider. The information processing system according to any one of claims 1 to 3, further comprising a notification unit that performs the notification. The acquisition unit acquires the settlement information when the settlement is performed based on the point information in the settlement unit,
The processing unit subtracts points used for payment from the point information stored in the storage unit based on the payment information acquired by the acquisition unit, and stores the subtracted point information in the storage unit. The information processing system according to any one of claims 1 to 4. The presenting unit according to claim 1, further comprising a presenting unit that presents the point information to a user corresponding to the user information identified by the identifying unit when the point information is read by the reading unit. Information processing system described. Computer
A storage step of storing a plurality of pieces of rule information in a storage unit, the rule information defining a rule for generating point information based on the payment information;
An acquisition step of acquiring payment information including user information,
Select one rule information corresponding to the payment information acquired in the acquisition step from the plurality of rule information stored in the storage step, and generate point information based on the selected rule information and payment information. A processing step of storing the generated point information in the storage unit in association with the user information,
An identification step for identifying user information,
A reading step of reading corresponding point information from the storage section based on the user information identified in the identifying step;
A settlement step of performing settlement based on the point information read in the reading step,
Information processing method for executing. On the computer,
A storage function of storing a plurality of rule information in a storage unit that defines a rule for generating point information based on payment information,
An acquisition function that acquires payment information including user information,
One piece of rule information corresponding to the payment information acquired by the acquisition function is selected from a plurality of pieces of rule information stored in the storage unit by the storage function, and point information is selected based on the selected rule information and the payment information. And a processing function of storing the generated point information in the storage unit in association with the generated point information,
Identification function to identify user information,
A read function for reading corresponding point information from the storage unit based on the user information identified by the identification function;
A settlement function for performing settlement based on the point information read by the reading function,
An information processing program that realizes

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