JP2023020003A - Privilege offering apparatus, privilege offering system, privilege offering method, and privilege offering program - Google Patents

Abstract

To flexibly offer a privilege in accordance with a payment mode of a user.SOLUTION: A privilege offering apparatus 10 connected to a user terminal 30 and a settlement terminal 40 over a network NW includes: a receiving unit 11 which receives settlement information from the user terminal; a determination unit 12 which refers to a privilege information DB 21 storing determination information included in the settlement information in association with the presence/absence of privilege, to determine a privilege to be offered to the user terminal on the basis of the determination information; a recording unit 13 which records the user terminal which has transmitted the settlement information in association with the privilege determined by the determination unit; a settlement information transmission unit 14 which transmits the settlement information to the settlement terminal; a settlement status receiving unit 15 which receives information on completion of a settlement from the settlement terminal; and a privilege offering unit 16 which offers a privilege corresponding to the settlement information for which the settlement has been completed, to the user terminal.SELECTED DRAWING: Figure 1

Description

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

A service is known in which a predetermined privilege is given to a user when the user makes a purchase on a website.

Japanese Patent No. 6772350

Patent Document 1 discloses that when at least a part of the first sales proceeds purchased by the user is used for settlement of multiple payment obligations for the first product, it is used for settlement in a settlement service provided by an information processing device. An information processing method is disclosed for performing the process of awarding a possible privilege to a user.

However, the method described in Patent Document 1 provides a uniform benefit based on multiple payments, and credit card issuers cannot prepare their own benefits. I was poor.

SUMMARY OF THE INVENTION Accordingly, an object of the present invention is to provide a privilege granting device capable of flexibly awarding a privilege according to a user's payment mode.

In order to achieve the above object, a privilege granting device according to one aspect of the present invention is a privilege granting device connected to a user terminal and a payment terminal through a network, comprising: a reception unit that receives payment information from the user terminal; a determination unit that refers to a benefit information DB that stores discrimination information included in the payment information and presence/absence of benefits in association with each other, and determines the benefit given to the user terminal based on the determination information; a recording unit that associates and records the user terminal that transmitted the payment information with the privilege determined by the determination unit; a payment information transmission unit that transmits the payment information to the payment terminal; A payment status receiving unit for receiving information indicating that payment has been completed from a terminal;

The identification information may be a part of a credit card number used for payment through the user terminal.

The determination information may be information capable of specifying the payment terminal that transmits the payment information, and the payment information transmission unit may transmit the payment information to different payment terminals according to the determination information. .

The privilege information DB stores the determination information and the type of the privilege in association with each other, and the determining unit determines the type of the privilege to be given to the user terminal based on the determination information. good too.

To achieve the above object, a privilege granting system according to another aspect of the present invention is a privilege granting system in which a settlement terminal and a privilege granting device are connected through a network, wherein the privilege granting system is connected to a user terminal. The privilege granting device refers to a privilege information DB that stores a reception unit that accepts payment information from the user terminal, discrimination information included in the payment information, and the presence or absence of a privilege in association with each other. a determination unit that determines the privilege given to the user terminal based on the determination information; and a recording unit that associates and records the user terminal that transmitted the payment information with the privilege determined by the determination unit. a payment information transmission unit that transmits the payment information to the payment terminal; a payment status reception unit that receives information indicating that payment has been completed from the payment terminal; and a privilege corresponding to the payment information that the payment has been completed. is provided to the user terminal, and the payment terminal includes a payment information receiving unit that receives payment information from the privilege providing device, and a payment information reception unit that determines whether payment is possible based on the payment information, and is able to make a payment. and a payment acceptance/rejection transmitting unit that transmits payment completion information when the payment is executed by the payment unit.

In order to achieve the above object, a privilege granting method according to still another aspect of the present invention is a privilege granting method in a privilege granting device connected to a user terminal and a payment terminal through a network, wherein payment information from the user terminal By referring to a privilege information DB that stores acceptance processing for acceptance, determination information included in the payment information, and presence/absence of a privilege in association with each other, the privilege given to the user terminal is determined based on the discrimination information. a determination process for determining; a recording process for associating and recording the user terminal that transmitted the payment information with the privilege determined by the determination process; and payment information transmission for transmitting the payment information to the payment terminal. payment status reception processing for receiving information indicating that payment has been completed from the payment terminal; and privilege giving processing for giving the user terminal a privilege corresponding to the payment information indicating that the payment has been completed. .

In order to achieve the above object, a privilege granting program according to still another aspect of the present invention is a privilege granting program that operates in a privilege granting device connected to a user terminal and a payment terminal through a network, wherein By referring to a benefit information DB that stores an acceptance process for accepting payment information, identification information included in the payment information, and presence/absence of a privilege in association with each other, the privilege given to the user terminal is used as the discrimination information. a recording process for associating and recording the user terminal that transmitted the payment information with the privilege determined by the discrimination process; and a payment for transmitting the payment information to the payment terminal. Information transmission processing, payment status reception processing for receiving information indicating that payment has been completed from the payment terminal, and privilege giving processing for giving the user terminal a privilege corresponding to the payment information that the payment has been completed; run on the computer.
The computer program can be stored in various data-readable recording media and provided, or can be provided in a downloadable manner via a network such as the Internet.

ADVANTAGE OF THE INVENTION According to this invention, a privilege can be flexibly provided according to a user's payment mode.

FIG. 2 is a functional block diagram showing the functions of the privilege granting device according to the first embodiment of the present invention and the components connected through the network; It is a figure which shows one example of the table memorize|stored in privilege information DB which the said privilege provision apparatus has. It is the sequence diagram which showed the flow of the process performed by the said privilege provision apparatus. It is a functional block diagram which shows the function with which each structure connected through the privilege provision apparatus concerning 2nd Embodiment of this invention, and a network is provided. It is the sequence diagram which showed the flow of the process performed by the said privilege provision apparatus.

BEST MODE FOR CARRYING OUT THE INVENTION An embodiment of a privilege granting device according to the present invention will be described below with reference to the drawings.

●Benefit granting device (1)●
FIG. 1 shows the configuration of a privilege granting device 10 according to an embodiment of the present invention. The privilege granting device 10 is a device that grants points to a user based on the type of credit card when the user makes a purchase using a credit card.

As shown in FIG. 1, the privilege granting device 10 is configured to be able to communicate with a user terminal 30 used by a user and a settlement terminal 40 for credit card settlement via a network NW. The privilege granting device 10 may be configured by a hardware device, or a part or all of the functions may be realized by a cloud computer. Moreover, each configuration of the privilege granting device 10 may be implemented by an API (Application Programming Interface).
Communication among the privilege granting device 10, the user terminal 30, and the payment terminal 40 is wireless in this embodiment, but a part or all of the connection may be wired.
Also, the privilege granting device 10 and the payment terminal 40 may constitute a privilege granting system.
Furthermore, the privilege granting device 10 may be configured by a plurality of hardware configurations. In this case, the plurality of hardware configurations may be connected by wire or wirelessly to exchange information with each other.

● User terminal 30
The user terminal 30 is a terminal operated by a user who purchases products on the Internet, and is, for example, a smart phone, a tablet terminal, or a personal computer. Purchasing products is a concept that includes, for example, purchasing in-site coins necessary for executing games, etc. There may be various contracts in which payment is made. Also, this payment may be a single payment, an installment payment, or a periodic payment.

The user terminal 30 mainly includes a display unit 31, a A functional block composed of an input unit 32 and a communication processing unit 33 is configured.

The display unit 31 is realized by a display or the like for outputting data.

The input unit 32 is implemented by a touch panel, keyboard, mouse, microphone, or the like for inputting data. The input unit 32 is capable of inputting items necessary for product purchase and settlement instructions for the product.

The communication processing unit 33 is a processing unit capable of executing data transmission/reception processing according to a predetermined protocol with the privilege granting device 10 via a network NW such as the Internet, and is realized by an application, a web browser, or the like. .

●Payment terminal 40
The payment terminal 40 is a terminal that performs credit card payment processing. The settlement terminal 40 has a different terminal at least for each credit card issuing company. The payment terminal 40 is, for example, a server, and part or all of the configuration may be realized by a cloud computer. The payment terminal 40 mainly functions as a payment information receiving unit using a CPU (Central Processing Unit), computer programs executed by the CPU, RAM (Random Access Memory) and ROM (Read Only Memory) for storing computer programs and predetermined data. 41, a settlement unit 42, a settlement acceptance/rejection transmission unit 43, and a communication processing unit 44.

The payment information receiving unit 41 is a functional unit that receives payment information from the privilege granting device 10 .

The payment unit 42 is a functional unit that makes payments for user purchases based on payment information. The settlement unit 42 refers to the credit limit of the user's credit card to determine whether the settlement is possible, and executes the settlement only when the settlement is possible.

The settlement acceptance/rejection transmission unit 43 is a functional unit that transmits acceptance/rejection of settlement by the settlement unit 42 to the privilege granting device 10 . When the settlement unit 42 executes the settlement, the settlement acceptance/rejection transmission unit 43 transmits information to that effect, that is, settlement completion information to the privilege granting device 10 . If the settlement unit 42 determines that the settlement is impossible, the settlement possibility transmission unit 43 may transmit information indicating that the settlement was impossible, that is, settlement-impossible information.

The communication processing unit 44 is a processing unit capable of executing data transmission/reception processing according to a predetermined protocol with the privilege granting device 10 via a network NW such as the Internet, and is realized by an application, a web browser, or the like. .
Although one user terminal 30 and one payment terminal 40 are illustrated in FIG. 1, there may be a plurality of each. Moreover, each terminal may realize the function of each terminal when the user logs in, and the function is not fixed to the hardware configuration.

●Benefit giving device 10
Here, the configuration of the privilege granting device 10 will be described with reference to FIG. As shown in FIG. 1, the privilege granting device 10 mainly includes a reception unit 11, a discrimination unit 12, a recording unit 13, a payment information transmission unit 14, a payment status reception unit 15, a privilege granting unit 16, a communication processing unit 20, a privilege Each functional block composed of an information DB 21 and a determination information DB 22 is configured.

The reception unit 11 is a functional unit that receives purchase information from the user terminal 30 . The purchase-related information includes, for example, identification information of the user who uses the user terminal 30, information related to product purchase details, and payment-related information. Also, the payment information includes a credit card number when the payment method is credit card payment. The payment method may include an account number or the like that can identify the payment account if the payment method is bank transfer, code payment, or the like.

The determination unit 12 refers to the privilege information DB 21 that stores determination information included in the payment information in association with whether or not there is a privilege, and determines the privilege given to the user terminal 30 based on the payment information. is. The discrimination information is at least a part of the information included in the purchase information, such as a part of the credit card number used for payment through the user terminal 30 . In this case, the determination unit 12 determines that there is no privilege when the payment method is not a credit card.

More specifically, the identification information is a 6-digit number from the beginning of the line of the credit card number. This numerical value is BIN (Bank Identification Number) or IIN (Issuer Identification Number), and serves as information for identifying the payment terminal 40 to be transmitted.

FIG. 2 is an example of a table T1 stored in the privilege information DB 21, which the determination unit 12 refers to. Table T1 stores BIN or IIN as identification information, identification information of payment terminal 40, and presence/absence and type of privilege in association with each other. Here, the same payment terminal 40 may be associated with different identification information. This is because, for example, a general card and a premium card may be issued by the same issuing company. Also, in the table T1, different benefits are associated according to the discrimination information.

The recording unit 13 shown in FIG. 1 is a functional unit that associates the user terminal 30 that has transmitted the payment information with the privilege given to the user terminal 30 and records them in the determination information DB 22 .

The payment information transmission unit 14 transmits payment information to the payment terminal 40 via the communication processing unit 20 . The payment information transmission unit 14 transmits payment information to different payment terminals 40 according to the discrimination information based on the privilege information DB 21 .

The payment status reception unit 15 is a functional unit that receives payment completion information from the payment terminal 40 via the communication processing unit 20 . In addition, the payment status reception unit 15 may receive payment failure information from the payment terminal 40 via the communication processing unit 20 .

The privilege granting unit 16 is a functional unit that refers to the determination information DB 22 based on the settlement completion information and grants the user terminal 30 a privilege corresponding to the settlement information for which settlement has been completed. The privilege granting unit 16 may determine the privilege based on the purchase amount.

According to this configuration, even when the administrator of the payment terminal 40, that is, each credit card issuing company runs its own campaign, the privilege granting device 10 performs centralized management and grants privileges to the user. can be done. In addition, since the privilege granting device 10 determines the type of privilege based on the discrimination information, it is possible to grant different privileges to different types of credit cards issued by the same credit card issuing company. In this way, the privilege granting device 10 can determine the credit card issuing company based on the credit card number and grant the privilege. can be given.

The privilege granting unit 16 may grant a privilege to each user terminal 30 at an appropriate timing with reference to payment completion information made within a predetermined period. Conventionally, in campaigns led by credit card issuers, the payment terminal determines whether or not the privilege is applicable, and the privilege is granted when the usage amount is debited. There was a time lag of about one month before receiving the benefits. Furthermore, the timing of granting differs for each credit card issuing company. On the other hand, according to the configuration in which the privilege granting device 10 manages the payment information and the presence or type of the privilege, and grants the privilege based on the information on the completion of payment, campaigns conducted by different credit card issuers can be collectively managed. However, regardless of the withdrawal stance of the credit card issuer, benefits can be given at any time.

Further, when the privilege granting unit 16 grants a privilege to the user terminal 30 , the privilege may be immediately available on the user terminal 30 . If the benefit is a point, it is added to the point balance of the user terminal 30 . Also, in this case, the privilege granting unit 16 displays a message to that effect on the display unit 31 of the user terminal 30 when the points are added. In conventional campaigns led by credit card issuers, it was difficult for users to know what kind of benefits were given for which purchases in a configuration where benefits were given collectively at the time of withdrawal. On the other hand, according to the configuration of the present invention, since the privilege is given immediately after the purchase, it is clear to the user what kind of privilege is given for which purchase, and the effect of the campaign is improved.

When the privilege granting unit 16 receives the payment impossibility information, or when the settlement completion information cannot be received for a certain period of time or more, it may notify the user terminal 30 to that effect without granting the privilege.

The privilege granting unit 16 may determine the content and amount of the privilege to be granted to the user terminal 30 by lottery. In the case of a purchase to which a privilege is granted, the privilege granting unit 16 may display a lottery screen displaying this lottery on the user terminal 30 after notifying that the payment has been completed. The lottery screen may be accompanied by an animation such as a spinning roulette wheel or the opening of a paper lottery, for example. According to such a configuration, it is possible to further improve the amusement of the game. In addition, if a privilege is granted by purchasing intra-site coins used in a game on the website, the purchase of coins can be promoted while maintaining the atmosphere of enjoying the game. When purchasing such in-site coins, the mode of the lottery screen may be changed based on the play history of games played by the user. A lottery screen in a mode related to the screen of the played game may be displayed.

The communication processing unit 20 is a processing unit capable of executing data transmission/reception processing according to a predetermined protocol with the user terminal 30 and the payment terminal 40 via the network NW such as the Internet. The communication processing unit 20 receives payment information from the user terminal 30 . The communication processing unit 20 also transmits payment information to the payment terminal 40 . Furthermore, the communication processing unit 20 receives information indicating that the payment has been completed from the payment terminal 40 .

As described above, according to the privilege granting device 10 according to the present invention, a privilege can be granted to the user terminal 30 at the time of completion of payment. As a result, the user can obtain the privilege and the exhilaration caused by the privilege immediately after the purchase, and can obtain a high degree of satisfaction. Moreover, the administrator of the payment terminal 40 who benefits from the use of the credit card by the user can promote the use of the credit card issued by the company.

●Processing Flow for Giving a Gift to a User As shown in FIG. 3, first, the user terminal 30 inputs purchase information (step S101) and transmits it to the privilege giving device 10 (step S102). The privilege granting device 10 determines whether or not there is a privilege or the type thereof based on the determination information in the payment information received in step S101 (step S103). Then, the payment information is transmitted to the payment terminal 40 selected based on the discrimination information (step S104). The settlement terminal 40 confirms whether or not the settlement can be made, and when the settlement is possible, executes the settlement and transmits settlement completion information to the privilege giving device 10 (step S105). Execution of payment and transmission of payment completion information may be performed in any order, and may be performed at the same time. Next, the privilege granting device 10 awards the user terminal 30 the product (for example, intra-site coin) purchased by the user, and grants the user terminal 30 a privilege corresponding to the payment information for which the payment has been completed (step S106). ).

As described above, according to the privilege granting device of the present invention, it is possible to flexibly grant a privilege according to the payment mode of the user.

●Benefit granting device (2)●
FIG. 4 shows the configuration of a privilege granting device 10c according to the second embodiment of the present invention. The privilege granting device 10c differs from the first embodiment in that the first device 10a and the second device 10b are connected to each other via a network. In addition, in the following description, the same reference numerals are assigned to the same configurations as in the first embodiment, and the description thereof is omitted as appropriate.

As shown in FIG. 4, the first device 10a mainly includes a reception unit 11, a determination result acquisition unit 12a, a recording unit 13, a payment status reception unit 15, a privilege provision unit 16, a communication processing unit 20, and a privilege information DB 21. have. The second device 10b mainly has a determination unit 12, a payment information transmission unit 14, and a determination information DB 22. The determination result acquisition unit 12a is a functional unit that acquires a privilege given to the user terminal 30 from the determination unit 12 of the second device 10b.

That is, in the present embodiment, the first device 10a that performs processing related to product purchase and awarding of benefits and the second device 10b that receives credit card information are configured independently. The first device 10a and the second device 10b may be managed by different management entities. According to such a configuration, for example, the first device 10a can be managed by a company that provides content, and the second device 10b can be managed by a company that provides credit card settlement services, which is highly convenient. In addition, since credit card information can be collected in the second device 10b, it is also beneficial from the viewpoint of information protection.
In addition, the configuration of the first device 10a and the second device 10b is merely an example, and the configuration of the privilege granting device 10 can be distributed and configured arbitrarily. Any computer-implemented awarding device falls within the scope of this patent.

FIG. 5 is an example of a processing flow for giving a gift to a user in the second embodiment. First, the user terminal 30 associates the information about the purchase details of the product with the identification information of the user and transmits them to the first device 10a (step S201). In addition, the user terminal 30 associates the payment-related information with the user's identification information and transmits them to the second device 10b (step S202). Next, the second device 10b determines the privilege (S103), transmits the determination result to the first device 10a, and transmits payment information to the payment terminal 40 selected based on the determination information (step S104). .

The settlement terminal 40 confirms whether the settlement is possible, and if the settlement is possible, executes the settlement and transmits settlement completion information to the second device 10b (step S105). The second device 10b transmits information indicating that the payment has been completed to the first device 10a (step S203). The first device 10a gives the user terminal 30 the product (for example, in-site coin) purchased by the user based on the identification information of the user linked to the information on the payment that has been completed, and gives a privilege ( step S106).

REFERENCE SIGNS LIST 10 privilege granting device 11 reception unit 12 determination unit 13 payment status reception unit 14 matching unit 15 privilege granting unit 20 communication processing unit 21 privilege information DB
30 User terminal 40 Payment terminal

Claims (7)

A privilege granting device connected to a user terminal and a payment terminal through a network,
a reception unit that receives payment information from the user terminal;
a determination unit that refers to a benefit information DB that stores determination information included in the payment information and presence/absence of benefits in association with each other, and determines the benefit given to the user terminal based on the determination information;
a recording unit that associates and records the user terminal that transmitted the payment information with the privilege determined by the determination unit;
a payment information transmission unit that transmits the payment information to the payment terminal;
a payment status receiving unit that receives information indicating that payment has been completed from the payment terminal;
a benefit granting unit that grants, to the user terminal, a benefit corresponding to the payment information for which the payment has been completed;
comprising
reward device.
The identification information is at least part of a credit card number used for settlement performed via the user terminal,
The privilege giving device according to claim 1.
The determination information is information that can identify the payment terminal that transmits the payment information, and the payment information transmission unit transmits the payment information to a different payment terminal according to the determination information.
3. The privilege giving device according to claim 1 or 2.
The privilege information DB stores the determination information and the type of the privilege in association with each other, and the determining unit determines the type of the privilege to be given to the user terminal based on the determination information.
The privilege giving device according to any one of claims 1 to 3.
A privilege granting system in which a payment terminal and a privilege granting device are connected through a network,
The privilege granting system is connected to a user terminal,
The privilege granting device is
a reception unit that receives payment information from the user terminal;
a determination unit that refers to a benefit information DB that stores determination information included in the payment information and presence/absence of benefits in association with each other, and determines the benefit given to the user terminal based on the determination information;
a recording unit that associates and records the user terminal that transmitted the payment information with the privilege determined by the determination unit;
a payment information transmission unit that transmits the payment information to the payment terminal;
a payment status receiving unit that receives information indicating that payment has been completed from the payment terminal;
a benefit granting unit that grants, to the user terminal, a benefit corresponding to the payment information for which the payment has been completed;
with
The payment terminal
a payment information receiving unit that receives payment information from the privilege granting device;
a settlement unit that determines whether settlement is possible based on the settlement information, and executes settlement if settlement is possible;
a payment acceptance/rejection transmission unit that transmits payment completion information when payment is executed by the payment unit;
comprising
award system.
A privilege granting method in a privilege granting device connected to a user terminal and a payment terminal through a network,
a reception process for receiving payment information from the user terminal;
a determination process of referring to a benefit information DB that stores discrimination information included in the payment information and the presence or absence of a privilege in association with each other, and discriminating the privilege given to the user terminal based on the discrimination information;
a recording process of correlating and recording the user terminal that transmitted the payment information and the privilege determined by the determination process;
a payment information transmission process for sending the payment information to the payment terminal;
payment status reception processing for receiving information indicating that payment has been completed from the payment terminal;
a privilege granting process of granting to the user terminal a privilege corresponding to the payment information for which the payment has been completed;
including,
method of awarding benefits.
A privilege granting program that operates in a privilege granting device connected to a user terminal and a payment terminal through a network,
a reception process for receiving payment information from the user terminal;
a determination process of referring to a benefit information DB that stores discrimination information included in the payment information and the presence or absence of a privilege in association with each other, and discriminating the privilege given to the user terminal based on the discrimination information;
a recording process of correlating and recording the user terminal that transmitted the payment information and the privilege determined by the determination process;
a payment information transmission process for sending the payment information to the payment terminal;
payment status reception processing for receiving information indicating that payment has been completed from the payment terminal;
a privilege granting process of granting to the user terminal a privilege corresponding to the payment information for which the payment has been completed;
A privilege-granting program that causes a computer to execute

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