JP2022100991A - Application device, application method and application program - Google Patents

Abstract

To enhance convenience of a user in settlement.SOLUTION: An application device according to the present application includes: a reception part for receiving the identification information (e.g., identification information indicated by a barcode attached to a transaction target) for identifying the transaction target which is the target of settlement using a user terminal used by a user; a specification part for specifying a coupon applicable to the user among coupons acquired in advance by the user, on the basis of the identification information received by the reception part; and an application part which gives the profit to the user based on the coupon specified by the specification part.SELECTED DRAWING: Figure 1

Description

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

Conventionally, there is known a technique of giving a predetermined profit to a user who purchases a predetermined transaction target. As an example of such a technique, a technique has been proposed in which a discount coupon is issued for an arbitrary product and a discount settlement for the corresponding product is performed at the time of payment at the cash register.

Japanese Unexamined Patent Publication No. 2010-218483

However, the above-mentioned conventional technique is not always convenient for the user.

For example, in the above-mentioned conventional technique, at the time of payment, the consumer needs to present the coupon issued by the coupon issuing device installed in the store, and the coupon using device needs to read the coupon information, which is convenient for the user. Is not always good.

The present application has been made in view of the above, and an object of the present application is to provide a granting device, a granting method, a granting program, a storage device, a storage method, and a storage program that improve the convenience of a user in payment.

The granting device according to the present application is a reception unit that receives identification information that identifies a transaction target that is a payment target using a user terminal used by a user, and the usage device based on the identification information received by the reception unit. It is characterized by having a specific unit that specifies a coupon applicable to the user among the coupons acquired in advance by the person, and a grant unit that grants a profit based on the coupon specified by the specific unit to the user. do.

According to one aspect of the embodiment, there is an effect that the convenience of the user in payment can be improved.

FIG. 1 is a diagram showing an example of a grant process according to an embodiment. FIG. 2 is a diagram showing an example of a screen of a user terminal according to an embodiment. FIG. 3 is a diagram showing a configuration example of a payment server according to an embodiment. FIG. 4 is a diagram showing an example of an account database according to an embodiment. FIG. 5 is a diagram showing an example of a coupon information database according to an embodiment. FIG. 6 is a diagram showing an example of a user information database according to an embodiment. FIG. 7 is a flowchart showing an example of the procedure of the granting process according to the embodiment. FIG. 8 is a hardware configuration diagram showing an example of a computer that realizes the function of a payment server.

Hereinafter, embodiments for implementing the granting device, granting method, granting program, storage device, storage method, and storage program according to the present application (hereinafter referred to as “embodiments”) will be described in detail with reference to the drawings. It should be noted that this embodiment does not limit the granting device, granting method, granting program, storage device, storage method and storage 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 explanations are omitted.

[1. Embodiment]
The granting process realized by the granting apparatus and the like of the present embodiment will be described with reference to FIG. FIG. 1 is a diagram showing an example of a grant process according to an embodiment. In FIG. 1, it is assumed that the payment server 10, which is an example of the granting device according to the present embodiment, realizes the granting process according to the embodiment.

As shown in FIG. 1, the grant processing system 1 according to the embodiment includes a payment server 10, a user terminal 100, and a business operator terminal 200. The payment server 10, the user terminal 100, and the business terminal 200 are connected to each other via a network N (see, for example, FIG. 3) so as to be able to communicate with each other by wire or wirelessly. The network N is, for example, a WAN (Wide Area Network) such as the Internet. The grant processing system 1 shown in FIG. 1 may include a plurality of payment servers 10, a plurality of user terminals 100, and a plurality of business terminal 200s.

The payment server 10 shown in FIG. 1 is an information processing device that executes a grant process according to an embodiment, and is realized by a server device, a cloud system, or the like. For example, the payment server 10 provides an electronic payment service related to electronic payment using the user terminal 100. For example, the payment server 10 manages the accounts of the provider (business operator) of the transaction target and the user to which the transaction target is provided, and transfers electronic money between the accounts according to the payment request from the user. By doing so, various payments are realized. 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 payment server 10 is given to the user in the electronic payment service, and the coupon information regarding the coupon that can be used in the electronic payment service (for example, the identification information (product ID) that identifies the transaction target (product) to which the coupon is applied). ), The content of the profit given to the user by the coupon, the acquisition conditions for the user to acquire the coupon, etc.), the coupon provider (in other words, the coupon is planned and set, etc., and the source of the coupon is used. Accept from the person who invests (provides)) and manages it in the storage section of the own device. For example, the payment server 10 manages information indicated by a barcode attached to a product (a barcode such as a JAN code or a store-specific in-store code) as identification information.

Further, the payment server 10 associates the user with the coupon acquired by the user and manages the user in the storage unit of the own device.

The user terminal 100 shown in FIG. 1 is an information processing device used by a user. The user terminal 100 is realized by, for example, a smartphone, a tablet terminal, a notebook PC (Personal Computer), a desktop PC, a mobile phone, a PDA (Personal Digital Assistant), or the like. Further, the user terminal 100 displays the information distributed by the payment server 10 by a web browser or an application. In the example shown in FIG. 1, a case where the user terminal 100 is a smartphone is shown.

When the user terminal 100 receives the control information for realizing the predetermined information processing from the payment server 10, the user terminal 100 realizes the information processing according to the control information. Here, the control information is, for example, a script language such as JavaScript (registered trademark), a style sheet language such as CSS (Cascading Style Sheets), a programming language such as Java (registered trademark), and a mark such as HTML (HyperText Markup Language). It is described in an up language or the like. The predetermined application itself distributed from the payment server 10 may be regarded as control information.

The business terminal 200 shown in FIG. 1 is an information processing device used by a business that provides a transaction target to a user. The business terminal 200 is realized by, for example, a POS (Point of Sales) terminal, a smartphone, a tablet terminal, a notebook PC, a desktop PC, a mobile phone, a PDA, or the like. Further, the business terminal 200 displays the information distributed by the payment server 10 by a web browser or an application.

In the example shown in FIG. 1, the business terminal 200 is a POS terminal installed in a store, and product information related to products provided in the store is managed. For example, the business terminal 200 manages the price of the product in association with the information indicated by the barcode attached to the product (identification information for identifying the product).

[1-1. About payment using user terminal 100]
Here, an example of payment (electronic payment) using the user terminal 100 will be described prior to the notification processing executed by the payment server 10. In the following description, the user U1 uses a two-dimensional code (QR code (registered trademark)) arranged in the store A and indicates the store identification information that identifies the store A. An example of performing payment using the user terminal 100 will be described, but the embodiment is not limited to this. 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 100. Further, 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 U1 uses or purchases a payment target (transaction target) such as various products or services at the store A, the user U1 uses a payment application pre-installed on the user terminal 100. to start. Then, the user U1 photographs the store identification information installed in the store A via the payment application. In such a case, the user terminal 100 displays a screen for inputting the price to be settled, and accepts the input of the settlement amount from the user U1 or the clerk of the store A. Then, the user terminal 100 uses the user identification information for identifying the user U1 and the store identification information (or the information indicated by the store identification information, that is, the information indicating the store A (or the business operator M1 of the store A) (or the information indicating the store A (or the business operator M1 of the store A)). For example, the payment information indicating the store ID)) and the payment amount is transmitted to the payment server 10.

In such a case, the payment server 10 transfers the electronic money of the amount indicated by the payment amount from the account of the user U1 indicated by the user identification information to the account of the store A indicated by the store identification information. Then, the payment server 10 transmits a notification to the user terminal 100 that the payment has been completed. In such a case, the user terminal 100 notifies that the payment has been made by electronic money by outputting a screen indicating that the payment has been completed and a predetermined voice.

The payment using the user terminal 100 is not limited to the above-mentioned processing. For example, the payment using the user terminal 100 may be made using the business terminal 200 installed in the store A. For example, the user terminal 100 displays user identification information for identifying the user U1 on the screen. In such a case, the business terminal 200 installed in the store A reads the user identification information displayed on the user terminal 100, and the user identification information (or the information indicated by the user identification information, that is, use). Information indicating the person U1 (for example, the user ID)), the payment amount, and the payment information indicating the information identifying the store A are transmitted to the payment server 10. In such a case, the payment server 10 transfers the electronic money of the amount indicated by the payment amount from the account of the user U1 indicated by the user identification information to the account of the store A, and the business terminal 200 of the store A or the business terminal 200 or The user terminal 100 may be notified that the payment has been made by outputting a screen indicating that the payment has been completed or a predetermined voice.

Further, the payment using the user terminal 100 is not only a process of transferring the electronic money from the account charged with the electronic money in advance by the user U1 to the account of the store A, but also, for example, the credit registered in advance by the user U1. Payment using a card may be used. In such a case, for example, the user terminal 100 transfers the electronic money of the payment amount to the account of the store A, and charges the payment amount to the credit card management company (card company) of the user U1. You may.

[1-2. About the outline of the embodiment]
Here, conventionally, as a technique for giving a predetermined profit to a user who purchases a predetermined transaction target, a discount coupon for an arbitrary product is issued, and a discount settlement for the corresponding product is performed at the time of payment at the cash register. The technology has been proposed. However, with such a technique, at the time of payment, the consumer needs to present the coupon issued by the coupon issuing device installed in the store, and the coupon using device needs to read the coupon information, which is convenient for the user. Is not always good.

Further, in the conventional payment using a user terminal (for example, smartphone payment), even if the user purchases a plurality of products and makes a payment, it is not possible to determine what the user bought. Therefore, when applying coupons in smartphone payments, for example, coupons may be applied to the entire payment, payments may be made only to individual products subject to coupons, or coupons applicable only to specific products may be issued in media such as paper. It is necessary to read it with various terminals and enter the discounted amount individually at the cash register, which makes the operation complicated and not convenient.

Therefore, the payment server 10 executes the grant process according to the embodiment. Hereinafter, the grant process executed by the payment server 10 will be described with reference to FIG. In the following description, an example in which the user terminal 100 is used by the user U1 will be shown. Further, in the following description, the user terminal 100 may be equated with the user U1. That is, in the following, the user U1 can be read as the user terminal 100.

First, the user terminal 100 activates a payment application pre-installed in its own device in response to an operation from the user U1, and displays a screen for the user U1 to obtain a coupon in the electronic payment service ( Step S1). Subsequently, the user terminal 100 accepts a coupon acquisition operation from the user U1 (step S2). For example, the user terminal 100 accepts a coupon acquisition operation for the screen displayed in step S1 and transmits information indicating the coupon for which the acquisition operation has been performed to the payment server 10.

Here, an example of a screen displayed by the user terminal 100 in the above-described embodiment will be described with reference to FIG. FIG. 2 is a diagram showing an example of a screen of a user terminal according to an embodiment.

As shown in FIG. 2, the user terminal 100 displays the screen C11 as the initial display screen when the payment application is started. For example, the user terminal 100 displays a screen C11 including a button B11 for instructing the user U1 to display a coupon that can be provided. When the user U1 presses the button B11, the user terminal 100 shifts the screen C11 to the screen C12.

The user terminal 100 displays a screen C12 including an area AR11 for displaying a list of coupons that can be acquired by the user U1 based on the acquisition conditions set for the coupon. When the area corresponding to any of the coupons is selected, the user terminal 100 shifts the screen C12 to the screen C13 for performing the coupon acquisition operation corresponding to the area.

The user terminal 100 displays a screen C13 including an area AR12 for displaying information about the coupon selected on the screen C12 and a button B12 for resigning the acquisition of the coupon. For example, the user terminal 100 displays information such as a store where the coupon can be used, an image of the product to which the coupon is applied, the name of the product, and the content of the profit given to the user U1 by the coupon in the area AR12. indicate. Further, when the button B12 is pressed, the user terminal 100 transmits information indicating a coupon corresponding to the information displayed in the area AR12 (for example, identification information for identifying the coupon (coupon ID)) to the payment server 10. ..

Returning to FIG. 1, the explanation will be continued. Subsequently, the payment server 10 receives information (coupon ID) indicating the coupon for which the acquisition operation has been performed from the user terminal 100 (step S3). Subsequently, the payment server 10 manages the user U1 in association with the coupon (step S4). For example, the payment server 10 manages the user ID of the user U1 in association with the coupon ID received from the user terminal 100.

Here, in the example of FIG. 1, the user U1 desires to make the above-mentioned payment made by the business terminal 200 reading the user identification information (user ID) to the store A. And. In this case, the business terminal 200 reads the product ID of each product purchased by the user U1 and the user ID of the user U1 displayed on the user terminal 100 (step S5). For example, the business terminal 200 reads a barcode (product ID) attached to a product by a barcode reader or the like at the time of accounting and a user ID displayed on the user terminal 100.

Subsequently, the payment server 10 receives payment information regarding payment for the store A of the user U1 from the business terminal 200 (step S6). For example, the payment server 10 includes the store ID of the store A, the product ID read by the business terminal 200 in step S5, the total price (settlement amount) of each product associated with the product ID, and the user U1. Payment information including a user ID and the like is received from the business terminal 200.

Subsequently, the payment server 10 identifies a coupon applicable to the user U1 based on the payment information (step S7). For example, the payment server 10 collates the coupon information corresponding to the coupon acquired by the user U1 with the payment information, and associates the coupon information acquired by the user U1 with the product ID indicated by the payment information. Identify the coupon that was given.

Subsequently, the payment server 10 executes a payment process based on the payment information and grants a profit based on the specified coupon (step S8). For example, the payment server 10 executes a process of transferring electronic money of the amount indicated by the payment amount from the account of the user U1 to the account of the store A. Then, the payment server 10 gives the user U1 a profit (a predetermined amount of cash back, etc.) based on the specified coupon.

Subsequently, the payment server 10 notifies the user U1 that the coupon has been applied (step S9). For example, the payment server 10 displays a screen C1 to the effect that payment to the store A has been completed on the user terminal 100, and displays information indicating a coupon applied on the screen C1 and information such as a profit given by the coupon. Notice.

As described above, the payment server 10 according to the embodiment specifies a coupon applicable to the product to be settled by the user, and gives the user a profit based on the specified coupon. As a result, the payment server 10 according to the embodiment can automatically apply the applicable coupon without performing the operation of selecting the coupon to be used by the user. That is, the payment server 10 according to the embodiment can improve the convenience of the user in payment.

The payment server 10 according to the embodiment is conscious of the user and the clerk even if the product that is the target of the coupon and the product that is not the target are put out at the cash register and the above-mentioned electronic payment is performed in the same manner as when shopping as usual. Since the coupon can be applied only to a specific product, the convenience can be improved.

[2. Payment server configuration]
Next, the configuration of the payment server 10 will be described with reference to FIG. FIG. 3 is a diagram showing a configuration example of a payment server according to an embodiment. As shown in FIG. 3, the payment server 10 has a communication unit 20, a storage unit 30, and a control unit 40.

(About communication unit 20)
The communication unit 20 is realized by, for example, a NIC (Network Interface Card) or the like. Then, the communication unit 20 is connected to the network N by wire or wirelessly, and transmits / receives information to / from the user terminal 100, the business terminal 200, and the like.

(About the storage unit 30)
The storage unit 30 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 30 has an account database 31, a coupon information database 32, and a user information database 33.

(About account database 31)
The account database 31 stores various information about accounts owned by users, stores (business operators), and the like in the electronic payment service. Here, an example of the information stored in the account database 31 will be described with reference to FIG. FIG. 4 is a diagram showing an example of an account database according to an embodiment. In the example of FIG. 4, the account database 31 has items such as "account ID", "owner information", and "account balance".

The "account ID" indicates identification information for identifying the account. "Owner information" indicates information about the owner who owns the account, and for example, identification information for identifying the owner is stored. "Account balance" indicates the balance of the account.

That is, FIG. 4 shows an example in which the information of the account holder identified by the account ID “AID # 1” is “user # 1” and the account balance is “7,800 yen”.

(About coupon information database 32)
The coupon information database 32 stores various information regarding the coupon applied to the user. Here, an example of the information stored in the coupon information database 32 will be described with reference to FIG. FIG. 5 is a diagram showing an example of a coupon information database according to an embodiment. In the example of FIG. 5, the coupon information database 32 has items such as "provider ID" and "coupon information".

The "provider ID" indicates identification information for identifying the provider of the coupon (in other words, the provider who provides the source of the coupon). The "coupon information" indicates information related to the coupon, and has items such as "coupon ID", "product code", "profit content", "acquisition condition", and "applicable condition". The "coupon ID" indicates identification information for identifying the coupon. The "product code" indicates the information (for example, the product ID) indicated by the barcode attached to the product to which the coupon is applied. For example, the JAN code attached to the product by the manufacturer of the product or the membership of the electronic payment service. Stores information such as in-store codes attached to products that are set independently by each store. "Profit content" indicates the content of the profit given to the user by the coupon. The "acquisition condition" indicates a condition for the user to acquire a coupon (for example, an account balance, location information, purchase history). "Applicable conditions" indicate conditions to which the coupon is applied (for example, payment amount, validity period, etc.).

That is, in FIG. 5, the coupon provided by the provider identified by the provider ID “MID # 1” is identified by the coupon ID “CID # 1”, and the product code of the applicable product is “product code # 1”. , The profit content is "profit content # 1", the acquisition condition is "acquisition condition # 1", and the application condition is "application condition # 1".

(About user information database 33)
The user information database 33 stores various information about users of the electronic payment service provided by the payment server 10. Here, an example of the information stored in the user information database 33 will be described with reference to FIG. FIG. 6 is a diagram showing an example of a user information database according to an embodiment. In the example of FIG. 6, the user information database 33 has items such as "user ID", "payment history", "usage history", and "acquired coupon".

The "user ID" indicates identification information for identifying a user. The "payment history" shows the history of payments made using an electronic payment service, and stores information such as a payment destination and a payment amount. "Usage history" indicates the usage history of electronic payment services and various other services. The "acquired coupon" indicates a coupon acquired by the user among the coupons indicated by the coupon information stored in the coupon information database 32, and for example, identification information for identifying the coupon is stored.

That is, in FIG. 6, the payment history of the user identified by the user ID "UID # 1" is "payment history # 1," the usage history is "usage history # 1," and the acquired coupon is "acquired coupon #." An example of "1" is shown.

The storage unit 30 may store the identification information received by the reception unit 41, which will be described later, in association with the user. For example, the storage unit 30 stores the product ID and the user ID indicated by the payment information received from the business terminal 200 in the user information database 33 in association with each other.

(About control unit 40)
The control unit 40 is a controller, and for example, various programs stored in a storage device inside the payment server 10 by a CPU (Central Processing Unit), an MPU (Micro Processing Unit), or the like use the RAM as a work area. It is realized by being executed. Further, the control unit 40 is a controller, and 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. 3, the control unit 40 according to the embodiment includes a reception unit 41, a specific unit 42, a payment processing unit 43, an granting unit 44, a notification unit 45, and a providing unit 46. Realize or execute the functions and actions of information processing described below.

(About reception desk 41)
The reception unit 41 receives identification information that identifies a transaction target that is a payment target using a user terminal used by the user. For example, in the example of FIG. 1, the reception unit 41 receives payment information indicating a product ID of a product to be settled using a payment application pre-installed on the user terminal 100.

Further, the reception unit 41 may receive the identification information indicated by the barcode attached to the transaction target. For example, in the example of FIG. 1, the reception unit 41 receives the product ID indicated by the barcode attached to the product.

Further, the reception unit 41 may receive the identification information indicated by the in-store code set by the store that provides the transaction target. For example, the reception unit 41 receives a product ID indicated by an in-store code that is set independently by each member store of the electronic payment service and attached to the product.

The reception unit 41 may accept the product ID indicated by the JAN code attached to the product by the manufacturer of the product.

Further, the reception unit 41 may further accept the provider information indicating the provider who provides the transaction target. For example, in the example of FIG. 1, the reception unit 41 receives the product ID of the store A that provides the product to the user U1.

Further, the reception unit 41 may further accept the settlement amount by settlement. For example, in the example of FIG. 1, the reception unit 41 receives payment information indicating the payment amount of the user U1 for the store A.

Further, the reception unit 41 may receive the identification information read by the store terminal used by the store that provides the transaction target. For example, in the example of FIG. 1, the reception unit 41 receives the product ID read by the business terminal 200 by a bar code reader or the like at the time of accounting.

Further, the reception unit 41 is identification information for identifying a transaction target to be settled using a user terminal used by the user, and is identification information read by the store terminal used by the store providing the transaction target. May be accepted from the store terminal. For example, in the example of FIG. 1, the reception unit 41 receives a store ID which is a product ID of a product to be settled using the user terminal 100 and is read by the business terminal 200 used by the store A.

Here, not only when the user visits the store, selects a product to be purchased on the spot, and makes a payment, for example, an order for the product is received from the user via the pre-order service, and a coupon is given to the product. There may be a request to apply it. Therefore, the reception unit 41 may receive identification information for identifying a transaction target for which a user has placed an order via a predetermined platform that provides a payment means using a user terminal. For example, the reception unit 41 receives the identification information for identifying the product ordered by the user from the user terminal 100 via the pre-order service provided by the application (mini application) activated in the payment application.

(About the specific part 42)
The specific unit 42 identifies a coupon applicable to the user among the coupons previously acquired by the user based on the identification information received by the reception unit 41. For example, in the example of FIG. 1, the specifying unit 42 refers to the coupon information database 32 and the user information database 33, and specifies a coupon applicable to the user U1 based on the product ID indicated by the payment information.

Further, the specifying unit 42 may specify a coupon associated with the identification information among the coupons acquired in advance by the user. For example, in the example of FIG. 1, the specific unit 42 collates the coupon information corresponding to the coupon acquired by the user U1 with the payment information, so that the payment information among the coupons acquired by the user U1 can be obtained. Identify the coupon associated with the indicated product ID.

The specifying unit 42 may specify the coupon associated with the product ID of the product ordered by the user via the above-mentioned pre-ordering service.

Further, the specific unit 42 may specify a coupon whose target transaction target matches the transaction target identified by each identification information received by the reception unit 41 among the coupons acquired in advance by the user. For example, the reception unit 41 receives the identification information read by the business terminal 200, which is the identification information for each product that the user wants to purchase. Then, the specific unit 42 compares and matches each of the identification information received by the reception unit 41 with the identification information for identifying the product to which the coupon can be applied by the user. A coupon whose identification information matches that received by the reception unit 41 is specified as a coupon to be applied to the user. That is, the reception unit 41 receives all the identification information read by the business terminal 200, which is the identification information of the product that the user wants to purchase. Then, the specific unit 42 performs coupon matching processing on all the identification information received by the reception unit 41, and specifies the coupon to be applied to the user.

Here, there may be a request to apply the coupon in the payment to the coupon provider (store, etc.). Therefore, the specifying unit 42 may specify the coupon provided by the provider indicated by the provider information among the coupons acquired in advance by the user. For example, the specifying unit 42 identifies a coupon associated with the store ID indicated by the payment information (in other words, a coupon provided with resources from the store) among the coupons acquired by the user.

Further, the specifying unit 42 may specify a coupon provided by the manufacturer of the transaction target (in other words, a coupon provided with resources from the manufacturer of the transaction target) among the coupons acquired in advance by the user. For example, a coupon provided by the manufacturer of a product, and the user obtains a coupon for which the product is applied (in other words, a coupon associated with the JAN code attached to the product), and the electronic payment service is provided. If the user wishes to purchase the product at any of the stores that are member stores and sell the product, the specific unit 42 specifies the coupon as a coupon to be applied to the user. That is, the user can use the coupon provided by the manufacturer of the product at each store selling the product to which the coupon is applied.

Further, among the coupons acquired in advance by the user, there may be a request to specify a coupon whose payment information satisfies the applicable conditions for application. Therefore, the specifying unit 42 may specify a coupon applicable to the user among the coupons previously acquired by the user based on the payment amount and the identification information. For example, the specifying unit 42 specifies a coupon that is associated with the product ID indicated by the payment information and the payment amount indicated by the payment information satisfies the applicable condition among the coupons that the user has already acquired. To give a specific example, the specific unit 42 specifies a coupon whose amount set as an applicable condition is equal to or less than the settlement amount.

Further, the specifying unit 42 may specify a coupon whose available period is within the specified period and whose settlement date and time is within the specified period. For example, the specifying unit 42 specifies a coupon for which the date and time when the payment indicated by the payment information is performed is within the valid period among the coupons acquired by the user.

Further, there may be a request to specify an applicable coupon from the coupons provided to the user based on the acquisition conditions set in the coupon. Therefore, the specifying unit 42 may specify a coupon applicable to the user among the coupons provided according to the balance of the user's account in the payment means using the user terminal. For example, the specifying unit 42 specifies a coupon provided to the user when the balance of the user's account is equal to or less than a predetermined threshold value. Further, the specifying unit 42 specifies a coupon provided to the user when the balance of the user's account is equal to or higher than a predetermined threshold value.

Further, the specifying unit 42 may specify a coupon applicable to the user among the coupons provided according to the position information of the user. For example, the specifying unit 42 specifies a coupon automatically given to the user according to the location information.

Further, the specifying unit 42 may specify a coupon applicable to the user among the coupons provided according to the purchase history of the user's transaction target. For example, the specifying unit 42 specifies a coupon provided based on a user's purchase history in various services provided by the payment server 10.

Further, the specifying unit 42 may specify a coupon applicable to the user among the coupons provided according to the attribute information of the user. For example, the specifying unit 42 specifies a coupon provided based on attributes (demographic attribute, psychographic attribute) based on the user's usage history in various services provided by the payment server 10.

Further, the specifying unit 42 may specify a coupon applicable to the user among the coupons provided according to the order history of the user on the predetermined platform. For example, the specifying unit 42 identifies a coupon provided based on the user's order history in the above-mentioned pre-ordering service.

(About payment processing unit 43)
The payment processing unit 43 executes the payment processing according to the payment information received by the reception unit 41. For example, the payment processing unit 43 transfers the amount of electronic money indicated by the payment amount from the user's account indicated by the user ID to the store account indicated by the store ID.

Further, the payment processing unit 43 may execute processing based on the order contents received from the user via the predetermined platform. For example, the payment processing unit 43 transfers the electronic money for the payment amount indicated by the payment information corresponding to the order contents in the above-mentioned pre-order service from the user's account to the store account indicated by the store ID.

As described above, the payment server 10 provides an electronic payment service to each member store. Therefore, the payment server 10 is a payment server 10 (granting device) managed by an administrator different from the manager of the store that provides the transaction target, and is a predetermined payment means that uses a user terminal. Managed by the platform administrator. Therefore, the reception unit 41 is a platform managed by an administrator different from the administrator of the store that provides the transaction target, and is the target of payment via a platform that provides a payment means using a user terminal. Accepts identification information that identifies a transaction target. Then, the specifying unit 42 identifies a coupon applicable to the user among the coupons previously acquired by the user based on the identification information received via such a platform.

(About the granting part 44)
The granting unit 44 grants the user a profit based on the coupon specified by the specific unit 42. For example, in the example of FIG. 1, the granting unit 44 refers to the coupon information database 32 and the user information database 33, and grants the profit based on the coupon specified by the specifying unit 42 to the user U1.

(About notification unit 45)
The notification unit 45 notifies the user of information regarding the applied coupon. For example, in the example of FIG. 1, the notification unit 45 displays the screen C1 to the effect that the payment to the store A has been completed on the user terminal 100, and is given by the information indicating the coupon applied on the screen C1 or the coupon. Notify information such as profits.

(About the provider 46)
The providing unit 46 provides the information regarding the identification information received by the receiving unit to the user terminal according to the payment. For example, the providing unit 46 provides the user terminal 100 with information indicating an electronic receipt regarding the product to be settled in response to the payment request related to the above-mentioned payment using the user terminal 100.

[3. Flow of grant processing]
A procedure for granting the payment server 10 according to the embodiment will be described with reference to FIG. 7. FIG. 7 is a flowchart showing an example of the procedure of the granting process according to the embodiment.

As shown in FIG. 7, the payment server 10 receives from the user the identification information that identifies the transaction target that is the target of payment (step S101). Subsequently, the payment server 10 identifies a coupon applicable to the user among the coupons previously acquired by the user based on the identification information (step S102). Subsequently, the payment server 10 grants the profit based on the specified coupon to the user (step S103), and ends the process.

[4. Modification example]
The above embodiment shows an example, and various modifications and applications are possible.

[4-1. About coupon providers]
In the above-described embodiment, the specific unit 42 has shown an example of specifying a coupon provided by a store or the like, but the coupon specified by the specific unit 42 is not limited to such an example. For example, the specifying unit 42 may specify a coupon provided by a manufacturer (manufacturer) and applied to a transaction target manufactured by the manufacturer. In such a case, the specifying unit 42 specifies the coupon based on the JAN code given to the product by the manufacturer.

[4-2. About processing mode]
Of the processes described in the above embodiments, all or part of the processes described as being automatically performed can be performed manually, and conversely, all the processes described as being performed manually. Alternatively, a part can be automatically performed by a known method. In addition, the processing procedure, specific name, and information including various data and parameters shown in the above text and drawings can be arbitrarily changed unless otherwise specified. For example, the various information shown in each figure is not limited to the information shown in the figure.

Further, each component of each of the illustrated devices is a functional concept, and does not necessarily have to be physically configured as shown in the figure. That is, the specific form of distribution / integration of each device is not limited to the one shown in the figure, and all or part of them may be functionally or physically distributed / physically in any unit according to various loads and usage conditions. Can be integrated and configured.

In addition, the above-described embodiments can be appropriately combined as long as the processing contents do not contradict each other.

[5. effect〕
As described above, the payment server 10 according to the embodiment includes a reception unit 41, a specific unit 42, a payment processing unit 43, a granting unit 44, a notification unit 45, and a providing unit 46. The reception unit 41 receives identification information that identifies a transaction target that is a payment target using a user terminal used by the user. Further, the reception unit 41 receives the identification information indicated by the in-store code set by the store that provides the transaction target. The specific unit 42 identifies a coupon applicable to the user among the coupons previously acquired by the user based on the identification information received by the reception unit 41. Further, the specifying unit 42 identifies the coupon associated with the identification information among the coupons acquired in advance by the user. Further, the specific unit 42 identifies a coupon whose target transaction target matches the transaction target identified by each identification information received by the reception unit 41 among the coupons acquired in advance by the user. The payment processing unit 43 executes the payment processing according to the payment information received by the reception unit 41. The granting unit 44 grants the user a profit based on the coupon specified by the specific unit 42. The notification unit 45 notifies the user of information regarding the applied coupon. The providing unit 46 provides the information regarding the identification information received by the receiving unit 41 to the user terminal according to the payment.

As a result, the payment server 10 according to the embodiment can automatically apply the applicable coupon without performing the operation of selecting the coupon to be used by the user, thus improving the convenience of the user in payment. Can be made to.

Further, in the payment server 10 according to the embodiment, for example, the reception unit 41 receives the identification information indicated by the barcode attached to the transaction target. Further, the reception unit 41 receives the identification information read by the store terminal used by the store that provides the transaction target.

As a result, the payment server 10 according to the embodiment can immediately identify a coupon applicable to the product in the payment at the store, so that the convenience of the user in the payment can be improved.

Further, in the payment server 10 according to the embodiment, for example, the reception unit 41 receives identification information for identifying a transaction target for which a user has placed an order via a predetermined platform that provides a payment means using a user terminal. ..

As a result, the payment server 10 according to the embodiment can apply the coupon even when receiving an order for a product from the user via the pre-order service, so that the convenience of the user can be improved.

Further, in the payment server 10 according to the embodiment, for example, the reception unit 41 further receives the provider information indicating the provider who provides the transaction target. Then, the specifying unit 42 identifies the coupon provided by the provider indicated by the provider information among the coupons acquired in advance by the user. Further, the specifying unit 42 specifies a coupon provided by the manufacturer to be traded among the coupons acquired in advance by the user.

As a result, the payment server 10 according to the embodiment can apply the coupon in the payment related to the coupon provider, so that the convenience can be improved.

Further, in the payment server 10 according to the embodiment, for example, the reception unit 41 further accepts the payment amount by payment. Then, the specifying unit 42 identifies a coupon applicable to the user among the coupons previously acquired by the user based on the payment amount and the identification information. Further, the specifying unit 42 specifies a coupon whose available period is within the specified period and whose settlement date and time is within the specified period.

As a result, the payment server 10 according to the embodiment can specify the coupon whose payment information satisfies the applicable conditions for application among the coupons acquired in advance by the user, so that the convenience can be improved. ..

Further, in the payment server 10 according to the embodiment, for example, the specifying unit 42 specifies a coupon applicable to the user among the coupons provided according to the balance of the user's account in the payment means using the user terminal. do. Further, the specifying unit 42 specifies a coupon applicable to the user among the coupons provided according to the user's location information. Further, the specifying unit 42 specifies a coupon applicable to the user among the coupons provided according to the purchase history of the user's transaction target. Further, the specifying unit 42 specifies a coupon applicable to the user among the coupons provided according to the attribute information of the user. Further, the specifying unit 42 identifies a coupon applicable to the user among the coupons provided according to the order history of the user on the predetermined platform.

As a result, the payment server 10 according to the embodiment can specify the applicable coupon from the coupon provided to the user based on the acquisition condition set in the coupon, so that the convenience can be improved. ..

Further, in the payment server 10 according to the embodiment, for example, the reception unit 41 provides identification information for identifying a transaction target to be settled using a user terminal used by the user, and provides the transaction target. The identification information read by the store terminal used by the store is received from the store terminal. Then, the storage unit 30 stores the identification information received by the reception unit 41 in association with the user.

As a result, the payment server 10 according to the embodiment can specify the product purchased by the user even in the electronic payment, so that useful information can be collected in information provision and the like.

Further, the payment server 10 according to the embodiment is a payment server 10 managed by a manager different from the manager of the store that provides the transaction target, and is a predetermined payment means that provides a predetermined payment means using the user terminal. Managed by the administrator of the platform.

As a result, the payment server 10 according to the embodiment can perform the process of applying the coupon without incorporating it into the POS system or the like on the store side, so that the process of applying the coupon can be performed without requiring the repair of the system on the store side. realizable.

[6. Hardware configuration]
Further, the payment server 10 according to each of the above-described embodiments is realized by, for example, a computer 1000 having a configuration as shown in FIG. Hereinafter, the payment server 10 will be described as an example. FIG. 8 is a hardware configuration diagram showing an example of a computer that realizes the function of a payment server. The computer 1000 has a CPU 1100, a RAM 1200, a ROM 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 1300 or the HDD 1400, and controls each part. The ROM 1300 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 1200. The CPU 1100 loads the program from the recording medium 1800 onto the RAM 1200 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 payment server 10, the CPU 1100 of the computer 1000 realizes the function of the control unit 40 by executing the program loaded on the RAM 1200. Further, each data in the storage device of the payment server 10 is stored in the HDD 1400. The CPU 1100 of the computer 1000 reads these programs from the recording medium 1800 and executes them, but as another example, these programs may be acquired from another device via a predetermined communication network.

[7. 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 payment server 10 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.

10 Payment server 20 Communication department 30 Storage department 31 Account database 32 Coupon information database 33 User information database 40 Control department 41 Reception department 42 Specific department 43 Payment processing department 44 Grant department 45 Notification department 46 Providing department 100 User terminal 200 Business operator Terminal

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

Claims (23)

A reception unit that accepts identification information that identifies the transaction target that is the target of payment using the user terminal used by the user,
Based on the identification information received by the reception unit, the specific unit that identifies the coupon applicable to the user among the coupons previously acquired by the user, and the specific unit.
A granting device comprising a granting unit that grants a profit based on a coupon specified by the specific unit to the user. The specific part is
The granting device according to claim 1, wherein the coupon associated with the identification information is specified among the coupons previously acquired by the user. The specific part is
Claim 1 or 2 characterized in that, among the coupons acquired in advance by the user, the target transaction target identifies a coupon that matches the transaction target identified by each identification information received by the reception unit. The granting device described in. The reception department
The granting device according to any one of claims 1 to 3, wherein the identification information read by the store terminal used by the store providing the transaction target is received. The reception department
The granting device according to any one of claims 1 to 4, wherein the identification information indicated by the barcode attached to the transaction target is received. The reception department
The granting device according to any one of claims 1 to 5, wherein the identification information indicated by the in-store code set by the store providing the transaction target is received. The reception department
Further accepting provider information indicating the provider who provides the transaction target,
The specific part is
The granting device according to any one of claims 1 to 6, wherein the coupon provided by the provider indicated by the provider information is specified among the coupons previously acquired by the user. The specific part is
The granting device according to any one of claims 1 to 7, wherein the coupon provided by the manufacturer of the transaction target is specified among the coupons previously acquired by the user. The reception department
Further accepting the settlement amount by the above settlement,
The specific part is
The present invention according to any one of claims 1 to 8, wherein the coupon applicable to the user is specified from the coupons acquired in advance by the user based on the payment amount and the identification information. Grant device. The specific part is
Any one of claims 1 to 9, which is characterized by specifying a coupon applicable to the user among the coupons provided according to the balance of the user's account in the payment means using the user terminal. The granting device according to one. The specific part is
The granting device according to any one of claims 1 to 10, wherein a coupon applicable to the user is specified among the coupons provided according to the position information of the user. The specific part is
The granting device according to any one of claims 1 to 11, wherein a coupon applicable to the user is specified among the coupons provided according to the purchase history of the user's transaction target. .. The specific part is
The granting device according to any one of claims 1 to 12, wherein a coupon applicable to the user is specified among the coupons provided according to the attribute information of the user. The specific part is
The granting device according to any one of claims 1 to 13, wherein the coupon for which the available period is specified and the date and time for making the payment is within the period is specified. The reception department
Any of claims 1 to 14, characterized in that the identification information that identifies the transaction target for which the user has placed an order is received via a predetermined platform that provides a payment means using the user terminal. The granting device according to one. The specific part is
The granting device according to claim 15, wherein a coupon applicable to the user is specified among the coupons provided according to the order history of the user on the predetermined platform. A claim that is a granting device managed by an administrator different from the administrator of the store that provides the transaction target, and is managed by an administrator of a predetermined platform that provides a predetermined payment means using the user terminal. The granting device according to any one of 1 to 16. It ’s a computer-executed granting method.
A reception process that accepts identification information that identifies the transaction target that is the target of payment using the user terminal used by the user,
A specific step of specifying a coupon applicable to the user among the coupons previously acquired by the user based on the identification information received by the reception process.
A granting method comprising a granting step of granting a profit based on a coupon specified by the specific step to the user. A reception procedure that accepts identification information that identifies the transaction target that is the target of payment using the user terminal used by the user, and the reception procedure.
Based on the identification information received by the reception procedure, a specific procedure for specifying a coupon applicable to the user among the coupons previously acquired by the user, and a specific procedure.
A granting program comprising causing a computer to execute a granting procedure for granting a profit based on a coupon specified by the specific procedure to the user. Reception that accepts the identification information that identifies the transaction target that is the target of payment using the user terminal used by the user and is read by the store terminal used by the store that provides the transaction target from the store terminal. Department and
A storage device including a storage unit that stores identification information received by the reception unit in association with the user. The storage device according to claim 20, further comprising a providing unit that provides information on the identification information received by the receiving unit to the user terminal in response to the payment. A storage method performed by a computer
Reception that accepts the identification information that identifies the transaction target that is the target of payment using the user terminal used by the user and is read by the store terminal used by the store that provides the transaction target from the store terminal. Process and
A storage method comprising a storage step of storing identification information received by the reception step in association with the user. Reception that accepts the identification information that identifies the transaction target that is the target of payment using the user terminal used by the user and is read by the store terminal used by the store that provides the transaction target from the store terminal. Procedure and
A storage program comprising a storage procedure for storing identification information received by the reception procedure in association with the user.

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