JP2020184127A - Settlement system with donation function - Google Patents

Abstract

To allow users to participate in donation activities without complicated procedures.SOLUTION: A settlement system 10 with a donation function includes: information providing means 11 for providing information on electronic commerce based on information transmitted from a user 1; advertisement providing means 12 for providing an advertisement to the user 1 according to the transmitted information or the content of the provided information; advertising expense calculation means 13 for calculating advertising expense obtained from an advertiser 6 of the advertisement based on the advertisement provided to user 1; user intention information registration means 14 for storing intention information regarding intention of donation by the user 1; donation destination registration means 15 for storing information on a donation destination 5; and advertising expense distribution means 16 for distributing a part of the advertising expense to the donation destination 5 registered in the donation destination registration means 15 based on the intention information and for returning all or part of the remainder to the user 1.SELECTED DRAWING: Figure 1

Description

The present invention relates to a payment system having a donation function.

In recent years, with the development of electronic commerce technology, many cashless payment commerce transactions have been carried out in various online and offline situations.

For example, by registering authentication information for credit cards, debit cards, bank accounts, etc. in advance as initial input, you can perform subsequent payments without any special authentication procedure or by simple authentication procedure. , There is an electronic payment system that can make payments. In this type of electronic payment system, complicated authentication procedures such as banks and credit card companies are not required for each payment, so easy commercial transactions can be performed via various devices such as personal computers and smartphones. As commercial transactions by cashless payment, for example, Google Wallet (registered trademark) and Apple Pay (registered trademark) are well known.

By the way, on a general website, various advertisements are often displayed on the screen viewed by the user. For example, Patent Document 1 discloses a technique of selecting and delivering an advertisement most suitable for a user in response to a user's access.

In addition, on a general website, by displaying an advertisement on the screen viewed by the user or clicking the advertisement, the corresponding advertising cost is returned to the user as various points, or cashed as cash. Systems that are backed up are already common.

In addition, the technology of various donation systems online is also disclosed. For example, Patent Document 1 discloses a technique for automatically pooling points earned by online settlement as donations (see Patent Document 1). In addition, Patent Document 2 discloses a technique for distributing assets donated to an organization through a social media site including corporate advertisements to an entity suitable for receiving the assets (see Patent Document 2).

U.S. Pat. No. US5948061 Japanese Patent No. 6325156 US Patent Publication No. US20110071907

The donation system of Patent Documents 2 and 3 is a business model that generally has a strong social contribution and promotes donations to users who master the Internet, and has a problem that the target users are limited. Further, the technique of Patent Document 1 merely displays an advertisement on the screen, and the display of the advertisement itself does not contribute to the promotion of donations.

In addition, there are many other systems for soliciting donations to help the poor in the world, both online and offline. However, these systems are mainly used by users who have a strong social contribution and who are highly volunteer-conscious.

Further, in the conventional donation system, a donation application procedure is required each time in order to make a donation, and there is a problem that the procedure is complicated for the user. For this reason, there is a problem that the base of donations is not widespread, the number of users who actually donate is limited, and support is not provided to all poor people.

Therefore, an object of the present invention is to enable a user to participate in a donation act without complicated procedures.

In order to solve the above problems, in the present invention, in the payment system used in the electronic commerce via the network, the information providing means for providing the information related to the electronic commerce based on the information transmitted from the user, and the above. Advertising means for providing advertisements to the user according to the transmitted information or the content of the provided information, and advertising expenses obtained from the advertiser of the advertisement based on the advertisement provided to the user. Advertising cost calculation means for calculating the above, user intention information registration means for storing intention information regarding the intention of donation by the user, donation destination registration means for storing information of the donation destination, and the advertising cost based on the intention information. We have adopted a payment system with a donation function that distributes a part of the above to the donation destination registered in the donation destination registration means and returns all or part of the remainder to the user. ..

In addition, the information providing means has a function of making a payment regarding the electronic commerce based on the transmitted information, and the advertisement providing means provides an advertisement to the user according to the content of the payment. The configuration can be adopted.

Here, the intention information may adopt a structure that is information on the ratio of the amount to be distributed to the donation destination to the amount of the advertising expenses obtained from the advertiser.

Further, the donation destination registration means has information for linking the contents of the advertisement or the payment with the donation destination, and the advertising expense distribution means has the donation destination linked with the contents of the advertisement or the payment. It is possible to adopt a configuration that determines the distribution destination of the advertising expenses.

When there are a plurality of the donations linked to the contents of the advertisement or the settlement, the advertising expense distribution means sets the ratio of the amount to be distributed to each of the plurality of donations to the pre-registered donation. It is possible to adopt a configuration that is determined according to the distribution ratio for each destination.

Further, the payment processing means permits the subsequent payment by the initial input of the authentication information from the user, and the user intention information registration means modifies at the time of the initial input or after the initial input. A configuration that requires the input of the intention information at the time of input can be adopted.

According to the present invention, all users who perform various payment procedures in electronic commerce via a network such as cashless payment are targeted, the user receives an advertisement for each payment, and the user receives an advertisement corresponding to the advertisement. Along with getting cash back of expenses, a part of it is automatically donated to the recipient. Therefore, the user can participate in the donation act without complicated procedures.

It is the schematic which shows the donation system of this invention.

Hereinafter, embodiments of the present invention will be described with reference to the drawings. FIG. 1 shows the overall flow of the business model of the present invention and the configuration of a payment system 10 having a donation function that realizes the business model. The payment system 10 has a function of conducting electronic commerce via a network such as the Internet.

In FIG. 1, reference numeral 1 indicates a user terminal owned by a consumer for making a payment for purchasing a product or service. The user terminal can connect to the network. Here, a personal computer is assumed as a user terminal, but it may be another device such as a smartphone (the same applies to each terminal described later). Hereinafter, this user terminal is simply referred to as "user 1".

Reference numeral 2 indicates a settlement company terminal owned by the settlement company in order to process the settlement procedure from the consumer. Hereinafter, this settlement company terminal is simply referred to as "payment company 2".

Reference numeral 3 indicates a service provider terminal owned by a service provider who provides the product or service in order to provide the product or service to the consumer. Hereinafter, this service provider terminal is simply referred to as "service provider 3". The service provider 3 provides information on products and services to the user 1 through the settlement company 2, and based on the provided information, the user 1 performs a purchase procedure (payment procedure) through the settlement company 2. It should be noted that the service provider 3 may provide the information on the product or service to the user 1 directly from the service provider 3 to the user 1 without going through the settlement company 2.

Reference numeral 4 indicates a management server that constitutes a main part of the payment system 10. This is hereinafter referred to as "management server 4". In this embodiment, the management server 4 is managed by the settlement company 2, but a person other than the settlement company 2, for example, a person who has a contract with the settlement company 2 may manage the management server 4. ..

The management server 4 has a function as a processing device of the payment system 10, and as shown in FIG. 1, an information providing means 11, an advertisement providing means 12, an advertising expense calculating means 13, a user intention information registration means 14, and a donation. It includes a pre-registration means 15 and an advertising expense distribution means 16. The functions of the information providing means 11, the advertising providing means 12, the advertising cost calculating means 13, the user intention information registration means 14, the donation destination registration means 15, and the advertising cost distribution means 16 are performed by the settlement company 2 (payment company terminal). It is also possible to own it.

Reference numeral 5 indicates a donation destination terminal owned by the recipient of the advertising expenses performed by the payment system 10, and reference numeral 6 indicates an advertiser terminal owned by the advertiser who contributes the advertising expenses. Hereinafter, these donation destination terminals and advertiser terminals will be referred to as "donation destination 5" and "advertiser 6", respectively.

The information providing means 11 has a function of providing information on electronic commerce to the user 1 based on the information transmitted from the user 1.

Here, in the transmission of information by the user 1, for example, the user 1 accesses the website of the approver 2 or the service provider 3, and the product, service, or the like that the user 1 is interested in or desires on the website. The wording (keyword) related to the information is input by text or the like and transmitted, and the information is provided by opening a web page containing the information corresponding to the wording.

Alternatively, when the information is transmitted by the user 1, for example, the user 1 accesses the website of the approver 2 or the service provider 3, and the user 1 is interested in the icons displayed on the website. It is done by clicking on the desired icon, and the information is provided by opening a web page containing the information corresponding to the icon.

As described above, the information providing means 11 transmits the corresponding product, service, and other information to the user 1 as image and audio information based on the information transmitted from the user 1. The user 1 selects a product or service to be purchased based on the information.

In addition, the information providing means 11 has a function of making a payment regarding electronic commerce based on the information transmitted from the user 1. That is, the information providing means 11 has a function of making a payment for a product or service purchased by the user 1 in response to a request from the user 1, so to speak, paying a consideration when the user 1 purchases the product or service. It also functions as a payment processing means for. In the payment process, for example, a payment screen including transaction information required for payment is provided to the user 1, and the user 1 inputs the payment information required for payment on the payment screen and transmits the payment information. It is done by doing.

Then, the payment input signal is sent to the information providing means (payment processing means) 11 of the management server 4 through the payment company 2. The information providing means 11 performs the payment processing. The payment-processed information is sent to the advertisement providing means 12. In addition to the contents of the payment, before and after the payment, the products, services, and other information transmitted from the user 1 and the products actually provided to the user 1 in response to the transmitted information. , Services, and other information are also transmitted to the advertisement providing means 12. Information can be transmitted to the advertisement providing means 12 at any time, or can be set to be performed at regular intervals.

In addition, in the website or the like including the questionnaire function, the input information such as the questionnaire sent by the user 1 is also included in the information transmitted to the advertisement providing means 12. The information of the user 1 transmitted by such a questionnaire is utilized in the subsequent electronic commerce and becomes basic data for selecting the information to be provided to the user 1. Therefore, the information obtained from the questionnaire is also included in the information transmitted from the user 1 described above, and is also included in the information transmitted to the advertisement providing means 12.

After the payment process, the payment information is transmitted to the service provider 3. At the same time, remittance (transfer, etc.) corresponding to the settlement is also performed from the approver 2 to the service provider 3. The service provider 3 will ship products and provide services to the user 1.

Here, the goods or services actually purchased (settled) by the user 1 are hereinafter referred to as "payment products". In addition, information other than payment products, that is, products or services other than payment contents that User 1 is interested in and transmitted, or information about products or services provided to User 1 based on the transmitted information. Services and other information are referred to as "product information".

The advertisement providing means 12 stores various advertisement information registered in advance in response to a request from the advertiser 6. A large number of advertisers 6 are registered in the advertisement providing means 12, and there are also a large number of advertisement information requested by those advertisers 6. The advertisement providing means 12 provides the corresponding advertisement information to the user 1 from the registered advertisement information according to the information transmitted by the user 1 or the content of the information provided to the user 1. That is, the advertisement providing means 12 provides the corresponding advertisement information to the user 1 according to the content of the payment product or the product information. As shown in FIG. 1, the advertisement information is delivered to the user 1 from the management server 4 through the settlement company 2 based on the conditions specified by the advertiser 6. In addition, the advertisement distribution record for each user 1 is sent from the management server 4 to the advertiser 6.

At this time, the advertisement providing means 12 stores the payment product or product information and the advertisement information in a state of being associated with each other. For example
Settlement product A (or product information A) => Advertising information a
Settlement product B (or product information B) => Advertising information b
Settlement product C (or product information C) => Advertising information c
Settlement product D (or product information D) => Advertising information d
As such, according to the payment product or product information, the corresponding advertising information is provided to the user 1. The provided information may be visibly displayed on the screen or provided by voice. Here, the payment information or product information and the advertisement information have a 1: 1 correspondence, but a plurality of advertisement information may be associated with one payment product or product information.

In the above example, the advertisement providing means 12 provides the corresponding advertisement information to the user 1 from the registered advertisement information according to the contents of both the payment product and the product information. .. That is, here, not only the advertising information corresponding to the product for which the user 1 actually made the payment, but also the product, service, and other information that the user 1 was interested in and requested the information, even if the payment was not reached. Advertising information to be provided is also targeted for provision to user 1. Here, as another example, for example, the provision of advertising information may be made to correspond only to payment products, and conversely, the provision of advertising information may be made to correspond only to information such as products that do not lead to payment. ..

Next, the advertising cost calculation means 13 calculates the advertising cost obtained from the advertiser 6 who provided the advertising information based on the advertising information provided to the user 1. Advertising expenses are collectively returned to user 1 each time or at regular intervals. The advertising cost is stored in a state in which the advertising information and the advertising cost are associated with each other. For example
Advertising information a => Advertising cost a'Points Advertising information b => Advertising costs b'Points Advertising information c => Advertising costs c'Points Advertising information d => Advertising costs d'Points, depending on the advertising information The corresponding advertising costs are calculated. Here, the advertising expenses contributed by the advertiser 6 are treated as points, but this may be treated as cash (for example, in units of "yen"). The points can be converted into cash by a predetermined procedure, or the points can be used for the settlement cost when purchasing a product or the like.

Here, the intention information regarding the intention of donation by the user 1 is stored in advance in the user intention information registration means 14. The will information is whether or not the user 1 wants to donate a part of the advertising expenses originally returned to himself or herself to the donation destination 5, and if so, how much to donate. It is the information. That is, the intention information is information on whether or not a part of the advertising expenses obtained from the advertiser 6 is desired to be donated, and is distributed to the donation destination 5 for the amount of the advertising expenses obtained from the advertiser 6. Information on the ratio of the amount of money, that is, information on the donation ratio. The user 1 can select the donation ratio from a stepwise numerical value such as 90%, 80%, 70%, 60%, 50%, or he / she desires. It is also possible to set it to any numerical value.

These intention information is transmitted together with the authentication information of the initial input at the time of the initial input of the authentication information of the credit card, the debit card, the bank account, etc. performed by the user 1. By such an initial input, the payment processing means 11 allows the subsequent payment from the user 1. In addition, the intention information can be appropriately input when the user 1 makes a correction input as necessary after the initial input of the information. That is, even if a donation is not desired at the time of initial input, when the intention changes, it is possible to input a donation by correction input. The donation ratio can be freely set when making corrections to the effect that the donation is desired.

Further, the donation destination registration means 15 stores information on the institutions (including companies, groups, etc.) constituting the donation destination 5 that has made a contract with the settlement company 2 in advance. A large number of donation destinations 5 are registered, and the donation destination registration means 15 displays information such as products provided or according to the payment product of user 1 from the information of the registered donation destination 5. The corresponding donation destination 5 is determined from the registration destinations disclosed in advance according to the advertisement information. Here, in the donation destination registration means 15, the content of the advertisement or the payment of the user 1 provided to the user 1 and the information of the donation destination 5 corresponding thereto are stored as information linked to each other. For example
Settlement product A (or product information A) => Donation destination organization A Settlement product B (or product information B) => Donation destination organization B Settlement product C (or product information C) => Donation destination organization c Settlement product Depending on the settlement product, the corresponding donation destination 5 is determined, such as D (or product information D) => donation destination organization d. The contracts with various institutions constituting the donation destination 5 are not limited to the case where the settlement company 2 makes a contract, and a person other than the settlement company 2, for example, a person who has made a contract with the settlement company 2 with the donation destination 5. You may make a contract or register.

Then, the advertising expense distribution means 16 uses the previously disclosed donation destination 5 as the distribution destination of the advertising expense, and processes the donation to the donation destination 5 which is the distribution destination. The donation process can be performed by giving points to the donation destination 5 or remittance of cash. At this time, the donation distribution record indicating that the donation to the donation destination 5 has been completed may be transmitted from the management server 4 or the settlement company 2 to the user 1.

That is, the advertising expense distribution means 16 distributes a part of the advertising expenses contributed by the advertiser 6 to the donation destination 5 registered in the donation destination registration means 15 based on the intention information from the user 1 registered in advance. However, all or part of the remainder is returned to user 1. Here, the administrator of the management server 4 (payment company 2 in this embodiment) can also collect a part of the remaining advertising expenses as an expense. For example, if the intention information is 60% of the 100 points of advertising expenses contributed by the advertiser 6, 60 points will be distributed to the donation destination 5, and of the remaining 40 points, the administrator of the management server 4 will 10 points (when the expense is set to 10%) will be collected, and the remaining 30 points will be returned to user 1.

The donation ratio is set to a specified value (for example, 60%) at the time of initial input, and if the user 1 does not particularly want to change, this specified value is determined as the donation ratio. Further, when the user 1 desires a donation ratio other than the specified value, the user 1 can also determine the donation ratio to an arbitrary numerical value. Further, the user 1 can appropriately change and register this by a subsequent correction input performed after the initial input. It is also possible to set different donation ratios depending on the donation destination 5 or the type of the donation destination 5. For example, depending on the region of the donation destination 5, it is possible to set 60% for the donation destination 5 based in Japan, 50% for the donation destination 5 based overseas, and so on. .. Further, depending on the field of the donation destination 5, it is possible to set 80% in the case of the donation destination 5 in the medical field, 50% in the case of the other donation destination 5, and the like.

In this embodiment, the content of the advertisement or the payment of the user 1 provided to the user 1 and the corresponding donation destination 5 are registered in a 1: 1 cooperation, but the present embodiment is not limited to this embodiment. A plurality of donation destinations 5 may be linked to one advertisement information or one payment product.

Further, the number of donations 5 may be changed according to the amount of advertising expenses contributed by the advertiser or the total amount of donations distributed to the donations 5. If the amount of advertising expenses and donations handled in one procedure is large, even if the donations are distributed to many donations 5, each donation 5 can get a sufficient donation. is there. In addition, if the setting is such that the advertising cost changes according to the payment amount, for example, if the setting is such that the larger the payment amount is, the larger the advertising cost is, the donation destination 5 is set according to the payment amount. It may be set so that the number changes. For example, depending on the payment amount handled in one procedure
1 million yen or more: 5 donation destinations 5 500,000 yen or more and less than 1 million yen: 4 donation destinations 5 300,000 yen or more and less than 500,000 yen: 3 donation destinations 5 100,000 yen More than 300,000 yen: 2 places for donation 5 Less than 100,000 yen: 1 place for donation 5. Furthermore, instead of the payment amount set in stages above, the amount of advertising expenses and the amount of donations handled in one procedure are set in stages, and the number of donation destinations 5 is determined according to the stage. May be good.

In this way, when there are a plurality of donation destinations 5 linked to one advertisement information or one payment product, the advertising expense distribution means 16 distributes the amount to each of the registered plurality of donation destinations 5. The ratio of is determined according to the distribution ratio for each donation destination 5 registered in advance. Here, the pre-registered distribution ratio for each donation destination 5 defines the distribution ratio between a plurality of donation destinations 5 according to the type of the donation destination 5, for example, for a plurality of donation destinations 5. Depending on the region, if user 1's donation destination 5 based in the local region and the donation destination 5 based in other regions coexist, 60% of the local donation destination 5 and other donations It is possible to give 40% to the donation destination 5. This allocation ratio can be registered by the user 1 at the time of initial input, and the allocation ratio can be modified after the fact.

As described above, according to the present invention, the user 1 can obtain cash back commensurate with the receipt of the advertisement by receiving the advertisement at the time of payment such as cashless payment, and the automatic operation is performed at the same time. You can contribute to society through donations. The settlement company 2 is expected to increase the number of registrations of the user 1 by giving all the users 1 who make the payment a practical merit of cash back due to the provision of the advertisement, and eventually with the service provider 5. Contracts are expected to increase. Advertiser 6 can deliver effective advertisements to high-quality users 1 who are interested in contributing to society, and at the same time, part of the advertising expenses will be used for donations, thus improving the brand image of the company. Contribute.

As described above, according to the present invention, since each of the user 1, the settlement company 2, and the advertiser 6 has merits, it is possible to establish a recycling-oriented business model capable of continuously contributing to society through donations. In addition, as another effect, by increasing the number of users 1 who purchase goods and services by cashless payment, it is possible to contribute to the spread of cashless payment promoted by the Ministry of Economy, Trade and Industry. In addition, gold / goods distributed all over the world will be distributed more to the poor people around the world, and it is expected that the gap between rich and poor will be corrected and opportunities will be balanced.

Conventionally, a general service provider that provides online cashless payment using a network has provided the advertisement to the user 1 in response to the provision of the advertisement information (display of the advertisement). I didn't get cash back for the price. The reason is that the companies that handle cash (money) and points on the market are very limited, and other companies have accounts for cash back that are worth the price of providing advertisements. Since it is necessary for the user 1 to bother to open the facility, it is considered that there is no cashback mechanism such as the present invention that is commensurate with the consideration for providing the advertisement because of the complexity of the procedure. In the present invention, in the payment system 10 for electronic commerce via a network, a cashback corresponding to the consideration for providing an advertisement is set for the user 1, and a part of the cashback is automatically set. The feature is that it is used for donations.

1 User (user terminal)
2 Settlement company (payment company terminal)
3 Service provider (service provider terminal)
4 Management server 5 Donation destination (donation destination terminal)
6 Advertiser (advertiser terminal)
10 Payment system 11 Information providing means (payment processing means)
12 Advertising provision means 13 Advertising cost calculation means 14 User intention information registration means 15 Donation destination registration means 16 Advertising cost distribution means

Furthermore, the information processing means is adapted to allow a subsequent said payment by initial input of authentication information from the user, the user intention information registration means, or modified after the initial input upon the initial input A configuration that requires the input of the intention information at the time of input can be adopted.

Claims (6)

In the payment system (10) used in electronic commerce via a network
An information providing means (11) that provides information on the electronic commerce based on the information transmitted from the user (1), and
An advertisement providing means (12) that provides an advertisement to the user (1) according to the transmitted information or the content of the provided information.
An advertising cost calculation means (13) for calculating the advertising cost obtained from the advertiser (6) of the advertisement based on the advertisement provided to the user (1), and
The user intention information registration means (14) for storing the intention information regarding the intention of donation by the user (1), and
Donation destination registration means (15) that stores information on donation destination (5),
Based on the intention information, a part of the advertising expenses is distributed to the donation destination (5) registered in the donation destination registration means (15), and all or part of the remainder is returned to the user (1). Advertising cost distribution means (16) and
A payment system with a donation function. The information providing means (11) has a function of making a payment regarding the electronic commerce based on the transmitted information, and the advertisement providing means (12) has the user (1) according to the content of the payment. A payment system having a donation function according to claim 1, which provides an advertisement to a customer. The will information has the donation function according to claim 1 or 2, which is information on the ratio of the amount to be distributed to the donation destination (5) to the amount of the advertising expenses obtained from the advertiser (6). Payment system. The donation destination registration means (15) has information for linking the contents of the advertisement or the payment with the donation destination (5).
The donation according to any one of claims 1 to 3, wherein the advertising expense distribution means (16) determines the donation destination (5) linked to the content of the advertisement or the settlement as the distribution destination of the advertising expense. A payment system with functions. When there are a plurality of the donation destinations (5) linked to the contents of the advertisement or the payment, the advertising expense distribution means (16) is the amount to be distributed to each of the plurality of donation destinations (5). The payment system having a donation function according to claim 4, wherein the ratio is determined according to the distribution ratio for each donation destination (5) registered in advance. The payment processing means (11) permits the subsequent payment by the initial input of the authentication information from the user (1).
The donation according to any one of claims 1 to 5, wherein the user intention information registration means (14) requests the input of the intention information at the time of the initial input or at the time of the correction input after the initial input. A payment system with functions.

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