JP2022057872A - Management apparatus, management method, and management program - Google Patents

Abstract

To improve convenience for a store that introduces an electronic settlement service which can offer a privilege based on a coupon to a user.SOLUTION: A management apparatus includes an acquisition unit, a calculation unit, and a settlement processing unit. The acquisition unit acquires settlement information on a settlement to be executed by using predetermined settlement means. The calculation unit calculates the amount to be settled by subtracting the amount equivalent to a user privilege to be borne by a store associated with the settlement from the sales amount associated with the settlement, the user privilege being refunded to a user on the basis of a coupon obtained in advance by the user associated with the settlement, on the basis of the settlement information acquired by the acquisition unit. The settlement processing unit executes settlement processing based on the amount to be settled calculated by the calculation unit and the settlement information.SELECTED DRAWING: Figure 3

Description

The present invention relates to a management device, a management method and a management program.

Conventionally, a technique for giving a predetermined profit to a user who uses electronic payment is known. As an example of such a technology, it is possible to give a privilege to a user without impairing the convenience of electronic payment using an identification code, and to increase the added value of electronic payment using an identification code. Technology has been proposed. In such a technique, for example, a privilege is given based on a coupon provided to a user.

Japanese Unexamined Patent Publication No. 2020-091764

However, in the above-mentioned conventional technique, it is required to improve the convenience on the store side of introducing an electronic payment service capable of giving a privilege based on a coupon to a user.

The present application has been made in view of the above, and provides a management device, a management method, and a management program that can improve the convenience of a store that introduces an electronic payment service that can give a privilege based on a coupon to a user. The purpose is to do.

The management device according to the present application has an acquisition unit, a calculation unit, and a payment processing unit. The acquisition unit acquires payment information regarding payment executed using a predetermined payment means. The calculation unit is a user privilege that is returned to the user based on the coupon acquired in advance by the user associated with the payment based on the payment information acquired by the acquisition unit, and is a user borne by the store associated with the payment. Calculate the settlement amount by subtracting the amount equivalent to the privilege from the sales amount associated with the settlement. The settlement processing unit executes settlement processing based on the settlement amount calculated by the calculation unit and the settlement information.

According to one aspect of the embodiment, there is an effect that the convenience on the store side of introducing an electronic payment service capable of giving a privilege based on a coupon to a user can be improved.

FIG. 1 is a diagram showing an example of information processing according to an embodiment. FIG. 2 is a diagram showing a configuration example of an information processing system according to an embodiment. FIG. 3 is a block diagram showing a configuration example of the management device according to the embodiment. FIG. 4 is a diagram showing an outline of user information according to the embodiment. FIG. 5 is a diagram showing an outline of coupon information according to the embodiment. FIG. 6 is a diagram showing an outline of payment information according to the embodiment. FIG. 7 is a diagram showing an outline of account information according to the embodiment. FIG. 8 is a diagram showing an outline of processing by the management device according to the embodiment. FIG. 9 is a flowchart showing an example of the processing procedure of the management device according to the embodiment. FIG. 10 is a diagram showing an outline of processing by the management device according to the modified example. FIG. 11 is a hardware configuration diagram showing an example of a computer that realizes the functions of the management device according to the embodiment.

Hereinafter, a management device, a management method, and a mode for implementing the management program (hereinafter referred to as “the embodiment”) according to the present application will be described in detail with reference to the drawings. It should be noted that this embodiment does not limit the management device, management method and management program according to the present application. Further, in each of the following embodiments, the same parts are designated by the same reference numerals, and duplicate description is omitted.

[1. An example of information processing]
(1-1. Overview of information processing system)
With reference to FIG. 1, the information processing realized by the information processing system including the management device according to the present embodiment will be described. FIG. 1 is a diagram showing an example of information processing according to an embodiment. In the following, with reference to FIG. 1, a case where the user U01 makes a purchase using an electronic payment service using an identification code at a store A will be described as an example.

As shown in FIG. 1, the information processing system 1 according to the embodiment includes a user terminal 10, a store terminal 20, and a management device 100. The user terminal 10, the store terminal 20, and the management device 100 are connected to the network N (for example, see FIG. 2) by wire or wirelessly.

The user terminal 10 and the management device 100 can communicate with each other via the network N. Further, the store terminal 20 and the management device 100 can communicate with each other via the network N. The network N is, for example, a WAN (Wide Area Network) such as the Internet. The information processing system 1 shown in FIG. 1 may include more user terminals 10, store terminals 20, and management devices 100 than in the example shown in FIG.

The user terminal 10 shown in FIG. 1 is an information processing terminal used by the user U01. The user terminal 10 is typically a smartphone.

Further, the user terminal 10 displays the information distributed by the management device 100 on the display unit 11 by a web browser or an application.

Further, the user terminal 10 acquires a coupon provided by the management device 100 according to the user operation. Then, the user terminal 10 associates the coupon ID individually assigned to the acquired coupon with the user ID individually assigned to the user (for example, user U01) of the user terminal 10 to the management device 100. Send. As a result, the user ID and the coupon ID are managed in association with each other in the management device 100. By acquiring the coupon in advance, the user U01 of the user terminal 10 can automatically receive the privilege based on the coupon in conjunction with the payment.

Further, the user terminal 10 has a camera function. The user terminal 10 can read a two-dimensional code C such as a QR (Quick Response) code (registered trademark) which is an identification code installed in the store by the camera function.

The store terminal 20 shown in FIG. 1 is an information processing device used by the store clerk U02 of the store A. The store terminal 20 is typically a POS (Point Of System) terminal.

Further, the store terminal 20 includes a reader that reads a bar code that is a one-dimensional code and a QR code (registered trademark) that is a two-dimensional code. The store terminal 20 can read the bar code and the two-dimensional code C displayed on the display unit 11 of the user terminal 10 by the reader.

Further, the store A in which the store terminal 20 is installed is one of the stores that introduces the electronic payment service provided by the payment processing system operated and managed by the management device 100. For example, the store A is operated by a business operator that provides a transaction target to the user U01. The operator of the store A bears the fee for using the electronic payment service provided by the management device 100 and the source of the coupon provided from the management device 100 to the user terminal 10. The fee for using the electronic payment service includes a system usage fee for using the electronic payment service, a coupon fee for using the coupon, and the like.

The management device 100 shown in FIG. 1 is an information processing device that provides an electronic payment service related to electronic payment performed by using an identification code such as a two-dimensional code C. The management device 100 operates and manages a payment processing system for realizing an electronic payment service. The management device 100 is typically a server device, a cloud system, or the like. For example, the management device 100 manages an account of a store (for example, store A) that is a provider (business operator) of a transaction target (product or the like) and a user (for example, user U01) to which the transaction target is provided. .. The management device 100 realizes various payments by transferring electronic money between accounts according to a payment request from a user. The electronic money may be, for example, points or currencies independently used by various companies, or may be money provided by the state such as Japanese yen or dollars that can be electronically traded. good.

Further, the management device 100 manages coupon information regarding the coupon provided to the user of the electronic payment service. The coupon information managed by the management device 100 includes, for example, applicable conditions to which the coupon is applied to the user, the content of the profit given to the user by the coupon, the upper limit of the profit allocated to one user, and the like. Is done.

(1-2. Payment processing in information processing system)
Here, an example of electronic payment executed in the information processing system 1 will be described. In the following description, the user U01 uses the two-dimensional code (QR code (registered trademark)) arranged in the store A and the two-dimensional code C indicating the store identification information that identifies the store A. An example of making a payment using the terminal 10 will be described. The settlement according to the embodiment is not limited to the example described below. The example of payment described below can be applied even when an arbitrary user makes a payment at an arbitrary store using an arbitrary user terminal. Further, the two-dimensional code C indicating the store identification information may be not only a QR code but also a barcode, a predetermined mark, a number, or the like.

For example, when the user U01 makes a payment in connection with the use or purchase of a payment target (transaction target) such as various products and services at the store A, the user U01 activates a payment application pre-installed on the user terminal 10. Then, the user U01 photographs the two-dimensional code C installed in the store A via the payment application and acquires the store identification information (step S11). In such a case, the user terminal 10 displays a screen for inputting the price to be settled, and accepts the input of the settlement amount from the user U01 or the clerk U02 of the store A (step S12). In addition to the store name, payment method, use of points, and the like, a numeric keypad for inputting the payment amount and the like may be displayed on the screen for inputting the price to be settled.

Then, the user terminal 10 transmits to the management device 100 the user ID that identifies the user U01, the store identification information (for example, the store ID acquired as the store identification information), and the payment information indicating the payment amount (for example). Step S13).

In such a case, the management device 100 selects coupon information applicable to the payment amount based on the user ID and the store identification information (for example, the store ID) (step S14), and makes a payment based on the selected coupon information. Calculate the amount (step S15).

Specifically, the management device 100 is a CB (Cash Back) coupon in which the selected coupon information returns electronic money that can be used at a later date at a store (for example, store A) where the user U01 introduces an electronic payment service. In the case, the CB planned amount corresponding to the return amount based on the coupon information is calculated. Then, the management device 100 calculates the settlement amount by subtracting the CB planned amount from the settlement amount corresponding to the sales amount of the store A.

Then, the management device 100 executes the payment process (step S16). Specifically, the management device 100 withdraws the electronic money of the amount indicated by the settlement amount from the account of the user U01 indicated by the user ID, and deposits the electronic money of the amount indicated by the CB planned amount. Further, the management device 100 deposits the electronic money of the amount indicated by the settlement amount into the account of the store A indicated by the store identification information.

After the payment is completed, the management device 100 transmits a notification to the user terminal 10 that the payment has been completed (step S17). In such a case, the user terminal 10 notifies the user U01 that the payment has been made by electronic money by outputting a screen indicating that the payment has been completed and a predetermined voice (step S18).

The payment using the user terminal 10 is not limited to the above-mentioned processing. For example, the payment using the user terminal 10 may be made using the store terminal 20 installed in the store A.

For example, the user terminal 10 displays the user identification information for identifying the user U01 on the screen of the display unit 11. In such a case, the store terminal 20 installed in the store A reads the user identification information displayed on the display unit 11 of the user terminal 10, and the user identification information (for example, the user read as the user identification information). The payment information indicating the ID), the payment amount, and the store identification information (for example, the store ID) that identifies the store A is transmitted to the management device 100. In such a case, the management device 100 selects coupon information applicable to the payment amount based on the user identification information and the store identification information, and calculates the settlement amount based on the selected coupon information. Further, the management device 100 withdraws the electronic money of the amount indicating the payment amount from the account of the user U01 indicated by the user identification information, and deposits the electronic money of the CB scheduled amount. Further, the management device 100 deposits electronic money in the amount indicated by the settlement amount into the account of the store A. Then, the management device 100 notifies the store terminal 20 or the user terminal 10 of the store A that the payment has been made by outputting a screen indicating that the payment has been completed and a predetermined voice.

Further, the payment using the user terminal 10 is not only a process of transferring the electronic money from the account charged with the electronic money in advance by the user U01 to the account of the store A, but also uses, for example, a credit card registered in advance by the user U01. It may be the payment that was made. In such a case, for example, the management device 100 transfers the electronic money of the amount indicated by the settlement amount to the account of the store A, and charges the credit card management company of the user U01 for the settlement amount.

[2. System configuration example]
Hereinafter, a configuration example of the information processing system 1 according to the embodiment will be described. FIG. 2 is a diagram showing a configuration example of an information processing system according to an embodiment. As shown in FIG. 2, the information processing system 1 includes a user terminal 10, a store terminal 20, and a management device 100.

Further, the user terminal 10, the store terminal 20, and the management device 100 are connected to the network N by wire or wirelessly. The user terminal 10 and the management device 100 can communicate with each other via the network N. Further, the store terminal 20 and the management device 100 can communicate with each other via the network N. The network N is a communication network such as a LAN (Local Area Network), a WAN (Wide Area Network), a telephone network (mobile telephone network, fixed telephone network, etc.), a regional IP (Internet Protocol) network, and the Internet. The network N may include a wired network or may include a wireless network. The information processing system 1 shown in FIG. 3 may have more user terminals 10, a store terminal 20, and a management device 100 than the example shown in FIG.

The user terminal 10 is, for example, an information processing device used by the user U01. The user terminal 10 is typically a smartphone. The user terminal 10 can be realized by a tablet terminal, a notebook PC (Personal Computer), a desktop PC, a mobile phone, a PDA (Personal Digital Assistant), or the like, in addition to a smartphone.

Further, the user terminal 10 registers the coupon ID that identifies the coupon acquired according to the user operation in the management device 100 in association with the user ID. Of the coupon information delivered to the user U01, the coupon information that the user U01 is interested in is registered in the management device 100. The coupon information acquired by the user terminal 10 may be delivered by push notification or may be delivered by pull notification.

The store terminal 20 is an information processing device used by a store clerk (for example, a store clerk U02) in an actual store. The store terminal 20 is typically a POS (Point Of System) terminal. The store terminal 20 can be realized by a mobile phone such as a smartphone, a tablet terminal, a PDA, a desktop PC, a notebook PC, or the like.

The store terminal 20 calculates the payment amount by reading the barcode of the product purchased by the user U01. Further, the store terminal 20 can also acquire information on the user ID and the payment method by reading the barcode or QR code displayed on the user terminal 10. The store terminal 20 transmits payment information in which the user ID, the store ID, and the payment amount are associated with each other to the management device 100. The store terminal 20 can also transmit the product information to the management device 100 based on the barcode of the product.

The management device 100 is an information processing device that provides an electronic payment service related to electronic payment using the user terminal 10. The management device 100 is typically a server device, a cloud system, or the like. The management device 100 executes various payments according to, for example, a decision request received from the user terminal 10.

Further, the management device 100 manages coupon information in association with a store ID individually assigned to a store (for example, store A) in which an electronic payment service is introduced. Further, the management device 100 provides the coupon to the user U01 of the user terminal 10 based on the coupon information.

[3. Device configuration example]
Hereinafter, the configuration of the management device 100 according to the embodiment will be described. FIG. 3 is a block diagram showing a configuration example of the management device according to the embodiment. As shown in FIG. 3, the management device 100 includes a communication unit 110, a storage unit 120, and a control unit 130.

(About communication unit 110)
The communication unit 110 is connected to the network N by wire or wirelessly. The communication unit 110 transmits / receives information to / from the user terminal 10 and the store terminal 20 via the network N. The communication unit 110 is realized by, for example, a NIC (Network Interface Card) or the like.

(About the storage unit 120)
The storage unit 120 stores programs and data used for control and calculation by the control unit 130. The storage unit 120 is realized by, for example, a semiconductor memory element such as a RAM (Random Access Memory) or a flash memory (Flash Memory), or a storage device such as a hard disk or an optical disk. As shown in FIG. 4, the storage unit 120 includes a user information storage unit 121, a coupon information storage unit 122, a payment information storage unit 123, and an account information storage unit 124.

(About user information storage unit 121)
The user information storage unit 121 stores user information about a user who uses the service provided by the management device 100. FIG. 4 is a diagram showing an outline of user information according to the embodiment.

As shown in FIG. 4, the user information stored in the user information storage unit 121 includes "user ID", "name", "gender", "age", "address", and "acquisition coupon ID". It has a plurality of items such as ", and each of these items is associated with each other.

The item of "user ID" stores identification information unique to each user individually given to the user who uses the service provided by the management device 100. Further, the item of "name" stores the information of the name of the user who uses the service provided by the management device 100.

Further, the item of "gender" stores the information of the name of the user who uses the service provided by the management device 100. Further, the item of "age" stores information on the age of the user who uses the service provided by the management device 100.

Further, the item of "address" stores the information of the address of the user who uses the service provided by the management device 100. Further, the item of "acquired coupon ID" stores identification information unique to each coupon individually assigned to the coupon acquired by the user who uses the service provided by the management device 100.

(About coupon information storage unit 122)
The coupon information storage unit 122 stores coupon information set by a store that introduces an electronic payment service. FIG. 5 is a diagram showing an outline of coupon information according to the embodiment.

As shown in FIG. 5, the coupon information stored in the coupon information storage unit 122 has a plurality of items, and these items are associated with each other. The coupon information includes, for example, "store ID", "coupon ID", "use period", "number of uses", "applicable conditions", "CB amount", "CB upper limit", and "budget". It has items such as "conditions" and "combined use of coupons".

The item of "store ID" stores identification information unique to each store that is individually assigned to the store (for example, store A) that introduces the electronic payment service. Further, the item of "coupon ID" stores identification information individually assigned to the coupon.

Further, in the item of "use period", information regarding the use period of the coupon is stored. Further, in the item of "number of times of use", information on the number of times the coupon can be used is stored. Further, in the item of "applicable conditions", information regarding the applicable conditions of the coupon is stored. Examples of the application condition of the coupon include, for example, the amount condition of the settlement amount to which the coupon is applied.

Further, the item of "CB amount" is a party based on the coupon acquired by the user who is the party to the payment when the payment is made using the electronic payment service provided by the management device 100. Information about electronic money cashed back by the user is stored. As the information stored in the item of "CB amount", for example, the return rate for the settlement amount, the return amount information, and the like are exemplified.

Further, the item of "CB upper limit" is a party based on the coupon acquired by the user who is the party to the payment when the payment is made using the electronic payment service provided by the management device 100. Stores information about the upper limit of electronic money cashed back by the user.

Further, the item of "budget condition" stores information on the budget allocated to the source of cash back to be returned to the user U01 of the user terminal 10 by applying the coupon. In addition, the item of "coupon combined use" stores information regarding the permission or disapproval of the combined use of coupons. In addition, the item of "campaign implementation store" stores the information of the store that cashes back by applying the coupon.

(About payment information storage unit 123)
The payment information storage unit 123 stores payment information made by using the electronic payment service. FIG. 6 is a diagram showing an outline of payment information according to the embodiment.

As shown in FIG. 6, the payment information stored in the payment information storage unit 123 has a plurality of items, and these items are associated with each other. Payment information includes multiple items such as "user ID", "store ID", "product ID", "payment amount", "payment date and time", "payment number", and "applicable coupon ID". Has.

In the items of "user ID" and "store ID", information corresponding to the information of the items of "user ID" and "store ID" stored in the above-mentioned user information storage unit 121 and the coupon information storage unit 122 is included. It will be remembered.

Further, in the item of "product ID", identification information unique to each product individually assigned to the product purchased by the user is stored. In addition, the item of "payment amount" stores information on the payment amount. Further, the information of the "settlement date and time" stores the information of the settlement date and time. Further, the item of "payment number" stores identification information unique to each payment process that is individually assigned to the corresponding payment process.

Further, as the "applied coupon ID", a coupon ID that automatically identifies the applied coupon in conjunction with the corresponding payment process is stored.

(About the account information storage unit 124)
The account information storage unit 124 stores the account information of the user who uses the electronic payment service provided by the management device 100. Users who use the electronic payment service include a user side who pays the price of the product using the electronic payment service and a store side who introduces the electronic payment service and accepts the payment of the price of the product. FIG. 7 is a diagram showing an outline of account information according to the embodiment.

As shown in FIG. 7, the account information stored in the account information storage unit 125 has a plurality of items, and these items are associated with each other. The account information has a plurality of items such as "user ID / store ID", "account number", and "electronic money balance".

The "user ID / store ID" item stores either the user ID of the user who pays for the product using the electronic payment service or the store ID of the store that accepts the payment of the product through the electronic payment service. ..

Further, the "account number" stores information on an account number unique to each user, which is individually assigned to users who use the electronic payment service. In addition, the item of "electronic money balance" stores information on the balance of electronic money already deposited in the account.

(About control unit 130)
The control unit 130 is a controller that executes control and calculation of the management device 100. The control unit 130 is realized by, for example, using a CPU (Central Processing Unit), an MPU (Micro Processing Unit), or the like to execute various programs stored in a storage device inside the management device 100 using the RAM as a work area. To. Further, the control unit 130 is realized by, for example, an integrated circuit such as an ASIC (Application Specific Integrated Circuit) or an FPGA (Field Programmable Gate Array).

As shown in FIG. 4, the control unit 130 includes an acquisition unit 131, a calculation unit 132, and a settlement processing unit 133.

(About acquisition unit 131)
The acquisition unit 131 acquires payment information regarding payment executed using a predetermined payment means. For example, the acquisition unit 131 acquires payment information related to the identification code payment executed by reading the identification code such as the two-dimensional code C (see FIG. 1) by the user terminal 10. The acquisition unit 131 acquires payment information in which the user ID, the store ID, and the payment amount are associated with each other.

(About calculation unit 132)
The calculation unit 132 links the amount of the user privilege returned to the user based on the coupon acquired in advance by the user associated with the payment, which corresponds to the user privilege borne by the store associated with the payment, to the payment. Calculate the settlement amount after deducting from the sales amount. For example, when the coupon acquired in advance by the user associated with the settlement is a cashback coupon that provides a predetermined cashback to the user to which the coupon is applied, the calculation unit 132 corresponds to the sales amount associated with the settlement. The settlement amount is calculated by subtracting the CB planned amount corresponding to the predetermined cash back from the settlement amount to be settled.

(About payment processing unit 133)
The settlement processing unit 133 executes the settlement processing based on the settlement information acquired by the acquisition unit 131 based on the settlement amount calculated by the calculation unit 132. Further, the payment processing unit 133 transmits a notification to the user terminal 10 that the payment has been completed.

An outline of the processing by the management device 100 according to the embodiment will be described with reference to FIG. FIG. 8 is a diagram showing an outline of processing by the management device 100 according to the embodiment.

As shown in FIG. 8, the calculation unit 132 has a user ID (for example, U # 01) associated with a payment number (for example, KS0011) and a store ID (for example, S) from the payment information acquired by the acquisition unit 131. # 001) and is acquired. Subsequently, the calculation unit 132 acquires an acquisition coupon ID (for example, KP101) associated with the user ID based on the user ID included in the payment information. Then, the calculation unit 132 specifies an applicable coupon ID applicable to the payment process from the coupon information stored in the coupon information storage unit 122 based on the acquired coupon ID and the store ID included in the payment information. do.

Next, the calculation unit 132 calculates the CB planned amount (for example, 90 yen) based on the coupon information (for example, the CB amount, the CB upper limit, etc.) associated with the specified applicable coupon ID. Next, the calculation unit 132 subtracts the CB planned amount (for example, 90 yen) from the settlement amount (for example, 300 yen) corresponding to the sales amount of the store (for example, store A) indicated by the store ID, and the settlement amount (for example, 90 yen). For example, 210 yen) is calculated.

The payment processing unit 133 withdraws the amount of electronic money corresponding to the payment amount from the account associated with the user ID, and also deposits the amount of electronic money corresponding to the planned CB amount. On the other hand, the settlement processing unit 133 deposits electronic money in an amount corresponding to the settlement amount into the account associated with the store ID, and completes the settlement processing.

[4. Processing procedure]
Hereinafter, the processing procedure of the management device 100 according to the embodiment will be described with reference to FIG. 9. FIG. 9 is a flowchart showing an example of the processing procedure of the management device according to the embodiment. FIG. 9 describes an example of a processing procedure executed in response to a payment request received from the user terminal 10. The processing procedure shown below is repeatedly executed by the control unit 130 of the management device 100.

As shown in FIG. 9, when the acquisition unit 131 receives the payment request from the user terminal 10, the acquisition unit 131 acquires the payment information included in the payment request (step S101).

Further, the calculation unit 132 calculates the CB scheduled amount for the user U01 of the user terminal 10 based on the coupon information associated with the payment (step S102).

Further, the calculation unit 132 calculates the settlement amount based on the settlement amount and the CB planned amount (step S103).

The settlement processing unit 133 executes a settlement process based on the settlement amount calculated by the calculation unit 132 and the settlement information (step S104).

After the payment processing is completed, the payment processing unit 133 transmits a notification to the user terminal 10 that the payment has been completed (step S105), and ends the processing procedure shown in FIG.

[5. Modification example]
The above embodiment shows an example, and various modifications and applications are possible. For example, in the above-described embodiment, the management device 100 may further deduct the fee borne by the store A for using the electronic payment service provided by the management device 100 from the sales amount of the store A. FIG. 10 is a diagram showing an outline of processing by the management device according to the modified example.

As shown in FIG. 10, the calculation unit 132 has a user ID (for example, U # 01) associated with a payment number (for example, KS0011) and a store ID (for example, S) from the payment information acquired by the acquisition unit 131. # 001) and is acquired. Subsequently, the calculation unit 132 acquires an acquisition coupon ID (for example, KP101) associated with the user ID based on the user ID included in the payment information. Then, the calculation unit 132 specifies an applicable coupon ID applicable to the payment process from the coupon information stored in the coupon information storage unit 122 based on the acquired coupon ID and the store ID included in the payment information. do.

Next, the calculation unit 132 calculates the CB planned amount (for example, 90 yen) based on the coupon information (for example, the CB amount, the CB upper limit, etc.) associated with the applicable coupon ID. Next, the calculation unit 132 subtracts the CB planned amount (for example, 90 yen) from the settlement amount (for example, 300 yen) corresponding to the sales amount of the store (for example, store A) indicated by the store ID, and the settlement amount. (For example, 205 yen) is calculated. Further, the calculation unit 132 subtracts a fee (for example, 5 yen) from the settlement amount to calculate the deposit amount (for example, 205 yen) to the store (for example, store A) indicated by the store ID.

The payment processing unit 133 withdraws the amount of electronic money corresponding to the payment amount from the account associated with the user ID, and also deposits the amount of electronic money corresponding to the planned CB amount. On the other hand, the payment processing unit 133 deposits electronic money in an amount corresponding to the deposit amount into the account associated with the store ID, and completes the payment processing.

As a result, the store that introduces the electronic payment service applied by the management device 100 can save the trouble of paying the fee associated with the use of the electronic payment service, and can further improve the convenience of the store.

[6. Hardware configuration]
Further, the management device 100 according to the above-described embodiment and modification is realized by, for example, a computer 1000 having a configuration as shown in FIG. Hereinafter, the management device 100 will be described as an example. FIG. 11 is a hardware configuration diagram showing an example of a computer that realizes the functions of the management device according to the embodiment. The computer 1000 has a CPU 1100, a ROM 1200, a RAM 1300, an HDD 1400, a communication interface (I / F) 1500, an input / output interface (I / F) 1600, and a media interface (I / F) 1700.

The CPU 1100 operates based on a program stored in the ROM 1200 or the HDD 1400, and controls each part. The ROM 1200 stores a boot program executed by the CPU 1100 when the computer 1000 is started, a program depending on the hardware of the computer 1000, and the like.

The HDD 1400 stores a program executed by the CPU 1100, data used by such a program, and the like. The communication interface 1500 receives data from another device via the communication network 500 (corresponding to the network N of the embodiment) and sends the data to the CPU 1100, and the communication interface 1500 receives data generated by the CPU 1100 via the communication network 500 to another device. Send to the device.

The CPU 1100 controls an output device such as a display or a printer, and an input device such as a keyboard or a mouse via the input / output interface 1600. The CPU 1100 acquires data from the input device via the input / output interface 1600. Further, the CPU 1100 outputs the data generated via the input / output interface 1600 to the output device.

The media interface 1700 reads a program or data stored in the recording medium 1800 and provides the program or data to the CPU 1100 via the RAM 1300. The CPU 1100 loads the program from the recording medium 1800 onto the RAM 1300 via the media interface 1700, and executes the loaded program. The recording medium 1800 is, for example, an optical recording medium such as a DVD (Digital Versatile Disc) or PD (Phase change rewritable Disk), a magneto-optical recording medium such as MO (Magneto-Optical disk), a tape medium, a magnetic recording medium, or a semiconductor memory. And so on.

For example, when the computer 1000 functions as the management device 100, the CPU 1100 of the computer 1000 realizes the function of the control unit 130 by executing the program loaded on the RAM 1300. Further, each data in the storage device of the management device 100 is stored in the HDD 1400. The CPU 1100 of the computer 1000 reads and executes these programs from the recording medium 1800, but as another example, these programs may be acquired from another device via a predetermined communication network.

[7. effect〕
As described above, the management device 100 according to the embodiment includes an acquisition unit 131, a calculation unit 132, and a settlement processing unit 133. The acquisition unit 131 acquires payment information regarding payment executed using a predetermined payment means. The calculation unit 132 is a profit given to the user based on the coupon acquired in advance by the user associated with the payment based on the payment information acquired by the acquisition unit 131, and is borne by the store side associated with the payment. Calculate the settlement amount by subtracting the amount of profit from the sales amount associated with the settlement. The settlement processing unit 133 executes settlement processing based on the settlement amount calculated by the calculation unit 132 and the settlement information.

In this way, the management device 100 deducts a considerable amount of cash back returned to the user based on the coupon from the sales amount of the store in advance, so that the store side does not need to prepare resources for cash back in advance. It is possible to introduce an electronic payment service that cashes back to the user based on. As a result, the financial barrier to introduce the electronic payment service can be lowered, and the convenience of the store that introduces the electronic payment service that can give the user a privilege based on the coupon can be improved.

In addition, the calculation unit 132 calculates the settlement amount by subtracting the commission associated with the use of the settlement from the sales amount. As a result, the store side can save the trouble of paying the fee associated with the use of the electronic payment service.

Further, the acquisition unit 131 acquires payment information regarding the electronic payment executed by using the identification code. As a result, the store side does not need to make capital investment to prepare a dedicated terminal, and can further lower the financial barrier to introduce the electronic payment service.

[8. others〕
Although some of the embodiments of the present application have been described in detail with reference to the drawings, these are examples, and various modifications are made based on the knowledge of those skilled in the art, including the embodiments described in the disclosure column of the invention. It is possible to carry out the present invention in other modified forms.

Further, the configuration of the management device 100 described above can be flexibly changed, such as by calling an external platform or the like by API (Application Programming Interface), network computing, or the like depending on the function.

Further, the "part" described in the claims can be read as "means" or "circuit". For example, the reception unit can be read as a reception means or a reception circuit.

Moreover, the effects described in the embodiments of the present application are merely explanatory or exemplary and are not limited. That is, the embodiments of the present application may exhibit other effects apparent to those skilled in the art from the description of the embodiments, in addition to or in place of the above effects.

10 User terminal 20 Store terminal 100 Management device 110 Communication unit 120 Storage unit 121 User information storage unit 122 Coupon information storage unit 123 Payment information storage unit 124 Account information storage unit 130 Control unit 131 Acquisition unit 132 Calculation unit 133 Payment processing unit

Claims (5)

An acquisition unit that acquires payment information related to payments executed using a predetermined payment method,
It is a user privilege that is returned to the user based on the coupon acquired in advance by the user associated with the payment based on the payment information acquired by the acquisition unit, and is borne by the store side associated with the payment. A calculation unit that calculates the settlement amount by subtracting the amount equivalent to the user privilege from the sales amount associated with the settlement.
A management device having a settlement amount calculated by the calculation unit and a payment processing unit that executes payment processing based on the payment information. The calculation unit
The management device according to claim 1, wherein a fee associated with the use of the settlement is subtracted from the sales amount to calculate the settlement amount. The acquisition unit
The management device according to claim 1 or 2, wherein payment information regarding an electronic payment executed by using an identification code is acquired. It ’s a management method that a computer performs.
An acquisition process for acquiring payment information related to payment executed using a predetermined payment method, and
It is a user privilege that is returned to the user based on the coupon acquired in advance by the user associated with the payment based on the payment information acquired by the acquisition process, and is borne by the store side associated with the payment. A calculation process for calculating the settlement amount by subtracting the amount equivalent to the user privilege from the sales amount associated with the settlement.
A management method including a settlement amount calculated by the calculation step and a settlement processing step for executing a settlement process based on the settlement information. An acquisition procedure for acquiring payment information related to payment executed using a predetermined payment method, and
It is a user privilege that is returned to the user based on the coupon acquired in advance by the user associated with the payment based on the payment information acquired by the acquisition procedure, and is borne by the store side associated with the payment. A calculation procedure for calculating the settlement amount by subtracting the amount equivalent to the user privilege from the sales amount associated with the settlement, and
A management program characterized by having a computer execute a settlement amount calculated by the calculation procedure and a settlement processing procedure for executing a settlement process based on the settlement information.

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