JP2023050659A - Offering apparatus, offering method, and offering program - Google Patents

Abstract

To provide an offering apparatus, an offering method, and an offering program, configured to improve convenience of a user in settlement.SOLUTION: In an offering processing system, a settlement server 10 serving as an offering apparatus includes: a receiving unit which receives settlement information including settlement identification information which identifies a settlement using a user terminal used by a user; an acquisition unit which acquires, on the basis of the settlement identification information indicated by the settlement information received by the receiving unit, from an external apparatus different from the offering apparatus, transaction target information including transaction target identification information that identifies a transaction target which is to be settled; a specifying unit which specifies a coupon applicable to the user out of coupons acquired in advance by the user, on the basis of the transaction target information acquired by the acquisition unit; and an offering unit which offers a benefit based on the coupon specified by the specifying unit, to the user.SELECTED DRAWING: Figure 2

Description

The present invention relates to an applicator, an applicator method, and an applicator program.

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

JP 2010-218483 A

However, the conventional technology described above is not always convenient for the user.

For example, in the above conventional technology, when making a payment, the consumer must present a coupon issued by a coupon issuing device installed in the store, and the coupon using device must read the coupon information. is not necessarily good.

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

The granting device according to the present application includes a reception unit that receives payment information including payment identification information that identifies payment using a user terminal used by a user, and based on the payment identification information indicated by the payment information received by the reception unit an acquisition unit for acquiring transaction object information including transaction object identification information that identifies the transaction object to be settled from an external device different from the granting device; a specifying unit that specifies coupons applicable to the user among the coupons that the user has acquired in advance, and a granting unit that grants the user benefits based on the coupons specified by the specifying unit. characterized by having

According to one aspect of the embodiment, it is possible to improve convenience for the user in payment.

FIG. 1 is a diagram illustrating an example of a granting process according to an embodiment. FIG. 2 is a diagram illustrating a configuration example of a settlement server according to the embodiment; FIG. 3 is a diagram showing an example of an account database according to the embodiment. FIG. 4 is a diagram showing an example of a transaction target information database according to the embodiment. FIG. 5 is a diagram showing an example of a coupon information database according to the embodiment. FIG. 6 is a diagram illustrating an example of a user information database according to the embodiment; FIG. 7 is a flowchart illustrating an example of the procedure of grant processing according to the embodiment. FIG. 8 is a hardware configuration diagram showing an example of a computer that implements the functions of the settlement server.

Embodiments (hereinafter referred to as "embodiments") for implementing the application device, application method, and application program according to the present application will be described in detail below with reference to the drawings. Note that the application device, application method, and application program according to the present application are not limited to this embodiment. Also, in each of the following embodiments, the same parts are denoted by the same reference numerals, and overlapping descriptions are omitted.

[1. embodiment]
The applying process realized by the applying device and the like of the present embodiment will be described with reference to FIG. FIG. 1 is a diagram illustrating an example of a granting process according to an embodiment. Note that in FIG. 1, the granting process and the like according to the embodiment are realized by the settlement server 10, which is an example of the granting device according to the present embodiment.

As shown in FIG. 1, the grant processing system 1 according to the embodiment includes a payment server 10, a user terminal 100, a store terminal 200, and an external device 300. The payment server 10, the user terminal 100, the shop terminal 200, and the external device 300 are connected by wire or wirelessly via a network N (see FIG. 2, for example) so as to be able to communicate with each other. The network N is, for example, a WAN (Wide Area Network) such as the Internet. 1 may include a plurality of payment servers 10, a plurality of user terminals 100, a plurality of store terminals 200, and a plurality of external devices 300. FIG.

A settlement server 10 shown in FIG. 1 is an information processing device that executes the granting process according to the 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 settlement server 10 manages the account of the provider (operator) of the transaction object and the account of the user to whom the transaction object is provided, and transfers electronic money between accounts according to the payment request from the user. By doing so, various settlements are realized. In addition, electronic money may be, for example, points or currency used independently by various companies, or may be electronically tradable currency provided by the state such as Japanese yen and dollars. good.

The payment server 10 also provides coupon information (e.g., identification information (e.g., transaction object (identification information), details of the benefits granted to the user by the coupon (predetermined amount of cashback, etc.), acquisition conditions for the user to acquire the coupon, etc.), the coupon provider (in other words, the coupon Planning, setting, etc., receiving funds from those who contribute (provide) the resources of coupons), and managing them in the storage unit of the own device. For example, the settlement server 10 manages information indicated by a barcode attached to a transaction object (a barcode such as a JAN code or an in-store code) as transaction object identification information.

In addition, the settlement server 10 associates the user with the coupon acquired by the user and manages it in the storage unit of its own device.

A 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 smart phone, a tablet terminal, a notebook PC (Personal Computer), a desktop PC, a mobile phone, a PDA (Personal Digital Assistant), or the like. In addition, the user terminal 100 displays information distributed by the settlement server 10 using a web browser or application. Note that the example shown in FIG. 1 shows a case where the user terminal 100 is a smart phone.

When the user terminal 100 receives control information for implementing predetermined information processing from the settlement server 10, the user terminal 100 implements the information processing according to the control information. Here, the control information includes, 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 markup language such as HTML (HyperText Markup Language). It is written in up language or the like. Note that the predetermined application itself distributed from the settlement server 10 may be regarded as the control information.

A store terminal 200 shown in FIG. 1 is an information processing device used in a store that provides transaction objects to users. The store terminal 200 is realized by, for example, a POS (Point of Sales) terminal, a smart phone, a tablet terminal, a notebook PC, a desktop PC, a mobile phone, a PDA, or the like. In addition, the store terminal 200 displays information distributed by the settlement server 10 using a web browser or an application.

In the example shown in FIG. 1, it is assumed that the store terminal 200 is a POS terminal installed in the store, and manages transaction object information regarding transaction objects provided in the store. For example, the store terminal 200 manages the price of the transaction object by linking it to the information (transaction object identification information) indicated by the barcode attached to the transaction object.

The external device 300 shown in FIG. 1 is an information processing device that manages information related to transaction targets provided by the store, information related to payment made by the user to the store, and the like, and is realized by a server device, a cloud system, or the like. be. For example, the external device 300 stores information such as transaction object identification information indicated by the JAN code, information (name etc.) of the transaction object linked to the JAN code, price of the transaction object, etc. as information on the transaction object to a predetermined server. (JAN code integrated product information database, etc.), a business terminal used by the business that manages the store, etc., and the acquired information is stored in the storage unit of its own device. In addition, the external device 300 stores information such as the transaction object identification information indicated by the in-store code uniquely numbered by the business operator managing the store, the name of the transaction object, the price of the transaction object, etc. as information on the business object. It is obtained from the business terminal used by M1 and stored in the storage unit of its own device. In addition, the external device 300 receives information such as identification information (settlement number) for identifying settlement using the user terminal 100, which will be described later, and transaction target identification information for the target of the settlement. Received from the store terminal 200 as information about the payment made to the store terminal 200 and stored in the storage unit of the own device.

[1-1. Payment using the user terminal 100]
Here, an example of payment (electronic payment) using the user terminal 100 will be described prior to the giving process executed by the payment server 10. FIG. In the following description, a two-dimensional code (QR code (registered trademark)) placed in store A, which indicates store identification information for identifying store A, is used by user U1. An example of settlement using the personal terminal 100 will be described, but the embodiment is not limited to this. An example of settlement described below is also applicable when any user uses any user terminal 100 to make a payment at any store. Moreover, the store identification information may be not only a QR code but also a bar code, a predetermined mark, a number, or the like.

For example, when user U1 makes a payment for using or purchasing a payment target (transaction target) such as various products and services at store A, user U1 installs a payment application in advance on 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 payment amount from the user U1 or the store A clerk. Then, the user terminal 100 provides user identification information for identifying the user U1, and store identification information (or information indicated by the store identification information, that is, information indicating the store A (or the business operator M1 of the store A) ( For example, the payment information indicating the shop ID)) and the payment amount is transmitted to the payment server 10 .

In such a case, the settlement server 10 transfers the amount of electronic money indicated by the settlement amount from the account of user U1 indicated by the user identification information to the account of store A indicated by the store identification information. Then, the settlement server 10 transmits a notification that the settlement has been completed to the user terminal 100 . In such a case, the user terminal 100 notifies that the payment has been made with electronic money by outputting a screen indicating that the payment has been completed or a predetermined voice. Here, the settlement server 10 may subtract a predetermined fee (administration fee, etc.) from the member store A account when transferring the electronic money to the store A account or at a predetermined timing.

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

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

In addition, the payment using the user terminal 100 is not only the process of transferring electronic money from the account of the user U1 to the account of the store A. For example, the payment server 10 transfers the payment amount from the account of the user U1 A process may be performed in which the electronic money is withdrawn and the amount of cash obtained by subtracting a predetermined fee (administration fee, etc.) from the settlement amount is deposited into the bank account of the store A. In such a case, for example, the payment server 10 manages the amount of payment made by each user to the store A as sales information of the store A, and based on the sales information, transfers the sales amount to the bank account of the store A at a predetermined timing. Deposit cash in the amount obtained by subtracting a predetermined fee from (the total amount of settlement indicated by the sales information).

Note that, if the source of the coupon used for payment is borne by the store A, the settlement server 10 can be used when depositing cash into the bank account of the store A, or when depositing electronic money into the account of the store A. At the time of transfer, processing may be performed to transfer the amount of payment to the bank account by subtracting the amount of cash to be borne by the payment amount, or by subtracting the amount of electronic money to be transferred to the account of store A from the amount of payment. .

[1-2. Overview of Embodiment]
Here, conventionally, as an example of technology for giving a predetermined profit to a user who purchases a predetermined transaction object, a discount coupon for an arbitrary product is issued, and a discount settlement for the corresponding product is made at the time of payment at the cash register. There have been proposed techniques for However, with such technology, 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 at the time of payment, which is not convenient for the user. is not necessarily good.

Therefore, the settlement server 10 executes the granting process according to the embodiment. The granting process executed by the settlement server 10 will be described below with reference to FIG. In the following description, an example in which the user terminal 100 is used by the user U1 and the store terminal 200 is installed in the store A is shown. Also, in the following description, the user terminal 100 may be identified with the user U1. That is, the user U1 can be read as the user terminal 100 below.

Further, in the following description, the user U1 activates a payment application pre-installed in the user terminal 100, and performs a predetermined operation to obtain a coupon that can be used for payment using the payment application described above. shall be The settlement server 10 associates the user ID indicating the user U1 with the coupon acquired by the user U1, and manages them in the storage unit of its own device.

First, the store terminal 200 reads the bar code of each transaction that the user U1 who visits the store A purchases by settlement using the settlement application described above and the user ID that identifies the user U1 (step S1). For example, the shop terminal 200 reads the transaction object identification information indicated by the barcode attached to the transaction object and the user ID displayed on the user terminal 100 using a barcode reader or the like at the time of checkout.

Subsequently, the store terminal 200 transmits transaction object identification information indicated by the barcode and a payment number identifying the payment to the external device 300 (step S2). For example, the shop terminal 200 transmits to the external device 300 transaction object identification information indicated by the bar code of each transaction object read in step S1 and a payment number #1 for identifying the payment for the shop A by the user U1. Then, the external device 300 associates the transaction target identification information transmitted from the shop terminal 200 with the payment number #1 and manages them in its own storage unit.

Subsequently, the store terminal 200 transmits payment information #1 regarding the payment in step S1 to the payment server 10 (step S3). For example, the store terminal 200 stores the user ID that identifies the user U1, the store ID that identifies the store A, and the price associated with the transaction object identification information indicated by the barcode of each transaction object read in step S1. payment information #1 including the total amount (settlement amount) and the payment number #1 to the payment server 10.

Subsequently, the payment server 10 transmits the payment number #1 to the external device 300 (step S4). Subsequently, based on the payment number #1, the payment server 10 acquires the transaction object information #1 related to the transaction object to be settled in step S1 from the external device 300 (step S5). For example, the payment server 10 acquires the transaction object information #1 including the transaction object identification information linked to the payment number #1 and managed in the external device 300 and the price associated with the transaction object identification information. . Note that the settlement server 10 may acquire transaction target information #1 provided from the external device 300 via an API (Application Programming Interface).

Subsequently, the settlement server 10 identifies coupons applicable to the user U1 based on the transaction target information #1 among the coupons previously acquired by the user U1 (step S6). For example, the settlement server 10 identifies coupon #1 to which a transaction target indicated by transaction target identification information included in transaction target information #1 is set as an application target.

Subsequently, the settlement server 10 executes settlement processing based on the settlement information #1, and gives profit based on the coupon #1 to the user U1 (step S7). For example, based on payment information #1, the payment server 10 transfers electronic money in the amount indicated by the payment amount from the account of user U1 indicated by the user ID to the account of store A indicated by the store ID. Then, the settlement server 10 deposits a predetermined amount of electronic money given to the user U1 by the coupon #1 to the account of the user U1.

Note that the payment server 10 may execute payment processing based on the payment information #1 after receiving the payment information #1 in step S3. In this case, after executing the settlement process, the settlement server 10 performs steps S4 and S5, specifies a coupon applicable to the user U1, and grants the profit based on the specified coupon to the user U1. .

Subsequently, the payment server 10 transmits a notification indicating that the payment has been completed to the shop terminal 200 (step S8). Subsequently, the store terminal 200 displays a screen indicating that the payment has been completed (step S9). For example, the shop terminal 200 outputs a screen or a predetermined voice indicating that the payment based on the payment information #1 has been completed.

As described above, the payment server 10 according to the embodiment acquires transaction target information related to the user's payment target from the external device 300, and provides the user with profits based on coupons specified based on the acquired transaction target information. Give. Thereby, the payment server 10 according to the embodiment can automatically apply coupons applicable to the user in payment using the payment application. In other words, the payment server 10 according to the embodiment can improve user convenience in payment.

[2. Configuration of payment server]
Next, the configuration of the settlement server 10 will be described using FIG. FIG. 2 is a diagram illustrating a configuration example of a settlement server according to the embodiment; As shown in FIG. 2, the settlement server 10 has a communication unit 20, a storage unit 30, and a control unit 40.

(Regarding communication unit 20)
The communication unit 20 is realized by, for example, a NIC (Network Interface Card) or the like. The communication unit 20 is connected to the network N by wire or wirelessly, and transmits and receives information to and from the user terminal 100, the store terminal 200, the external device 300, and the like.

(Regarding storage unit 30)
The storage unit 30 is implemented by, for example, a semiconductor memory device such as a RAM (Random Access Memory) or a 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 transaction target information database 32, a coupon information database 33, and a user information database .

(Regarding account database 31)
The account database 31 stores various information related to accounts owned by users, stores (businesses), etc. in the electronic payment service. An example of information stored in the account database 31 will now be described with reference to FIG. FIG. 3 is a diagram showing an example of an account database according to the embodiment. In the example of FIG. 3, the account database 31 has items such as "account ID", "owner information", and "account balance".

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

That is, FIG. 3 shows an example in which the information of the holder of the account identified by the account ID "AID #1" is "user #1" and the account balance is "7,800 yen".

(Regarding transaction target information database 32)
The transaction target information database 32 stores various types of information relating to transaction targets provided by business operators. For example, the settlement server 10 stores transaction object identification information indicated by the JAN code, information on the transaction object linked to the JAN code, information such as the price of the transaction object, etc. The acquired information is acquired from a business operator terminal or the like used by the business operator to be managed, and the acquired information is stored in the transaction object information database 32 . In addition, the settlement server 10 uses the transaction object identification information indicated by the in-store code uniquely numbered by the business operator managing the store, the name of the transaction object, the price of the transaction object, and other information as information related to the business object. acquired from the business operator terminal used by , and stored in the transaction object information database 32.

Here, an example of information stored in the transaction target information database 32 will be described with reference to FIG. FIG. 4 is a diagram showing an example of a transaction target information database according to the embodiment. In the example of FIG. 4, the transaction target information database 32 has items such as "company ID", "name", "price", "identification information", and "coupon information".

"Business ID" indicates identification information for identifying the business. "Name" indicates the name of the transaction object. "Price" indicates the price of the transaction object. “Identification information” indicates identification information (transaction object identification information) indicated by a barcode attached to the transaction object. "Coupon information" indicates information about coupons applied to transaction targets.

That is, in FIG. 4, the name of the transaction object provided by the business operator ID "MID#1" is "name#1", the price is "1,000 yen", and the transaction object identification information indicated by the barcode is " "Identification information #1" and information on applicable coupons is "coupon information #1".

(Regarding coupon information database 33)
The coupon information database 33 stores various information about coupons applied to users. An example of information stored in the coupon information database 33 will now be described with reference to FIG. FIG. 5 is a diagram showing an example of a coupon information database according to the embodiment. In the example of FIG. 5, the coupon information database 33 has items such as "company ID" and "coupon information".

"Business ID" indicates identification information for identifying the business that requests distribution of the coupon to the user (in other words, the business that provides the source of the coupon). "Coupon information" indicates information about coupons, and has items such as "coupon ID", "identification information", "profit details", and "acquisition conditions". "Coupon ID" indicates identification information for identifying a coupon. "Identification information" indicates the information indicated by the barcode attached to the transaction target to which the coupon is applied, for example, the JAN code attached to the product by the manufacturer of the transaction target, or the Stores information indicated by an independently numbered in-store code, etc. "Benefit content" indicates the content of the benefit given to the user by the coupon. "Acquisition condition" indicates the conditions for the user to acquire the coupon (for example, demographic attribute, psychographic attribute, payment history).

That is, in FIG. 5, the coupon provided by the business operator identified by the business operator ID "MID #1" is identified by the coupon ID "CID #1", and the identification information of the transaction target to be applied is "identification information # 1”, the profit content is “profit content #1”, and the acquisition condition is “acquisition condition #1”.

(Regarding the user information database 34)
The user information database 34 stores various types of information regarding users of electronic payment services provided by the payment server 10 . An example of information stored in the user information database 34 will now be described with reference to FIG. FIG. 6 is a diagram illustrating an example of a user information database according to the embodiment; In the example of FIG. 6, the user information database 34 has items such as "user ID", "payment history", and "acquired coupon".

"User ID" indicates identification information for identifying a user. "Payment history" indicates the history of payments made using the electronic payment service, and stores information such as payment recipients and payment amounts, for example. "Acquired coupon" indicates a coupon acquired by the user among the coupons indicated by the coupon information stored in the coupon information database 33, and stores, for example, identification information for identifying the coupon.

That is, FIG. 6 shows an example in which the payment history of the user identified by the user ID "UID#1" is "payment history #1" and the acquired coupon is "acquired coupon #1".

(Regarding the control unit 40)
The control unit 40 is a controller, and various programs stored in a storage device inside the payment server 10 are executed by a CPU (Central Processing Unit), an MPU (Micro Processing Unit), or the like, using the RAM as a work area. It is realized by being executed. Also, the control unit 40 is a controller, and is implemented by an integrated circuit such as an ASIC (Application Specific Integrated Circuit) or an FPGA (Field Programmable Gate Array). The control unit 40 according to the embodiment includes, as shown in FIG. Realize or perform the function or action of a process.

(Regarding the reception unit 41)
The accepting unit 41 accepts payment information including payment identification information for identifying payment using a user terminal used by a user. For example, in the example of FIG. 1, the reception unit 41 associates the user ID that identifies the user U1, the store ID that identifies the store A, and the transaction object identification information indicated by the bar code of each transaction object. Payment information #1 including the total price (payment amount) and payment number #1 is accepted.

Further, the receiving unit 41 may receive payment information transmitted from a store terminal used by a store that provides a transaction target. For example, in the example of FIG. 1 , the reception unit 41 receives payment information #1 from the store terminal 200 .

(Regarding the acquisition unit 42)
Based on the payment identification information indicated by the payment information received by the reception unit 41, the acquisition unit 42 obtains the transaction object including the transaction object identification information that identifies the transaction object to be settled from an external device different from the granting device. Get information. For example, in the example of FIG. 1, the acquisition unit 42 receives from the external device 300 different from the payment server 10 the transaction object identification information managed in association with the payment number #1 and the transaction object identification information associated with the transaction object identification information. Acquire transaction object information #1 including the price

In addition, the acquisition unit 42 may acquire transaction target information from an external device that links and manages transaction target identification information transmitted from a store terminal used by a store that provides the transaction target and payment identification information. good. For example, in the example of FIG. 1, the acquisition unit 42 acquires transaction target information #1 from the external device 300 that manages the transaction target identification information transmitted from the store terminal 200 in association with the payment number #1. .

In addition, the acquisition unit 42 may acquire transaction target information from an external device via an API. For example, in the example of FIG. 1, the acquisition unit 42 acquires transaction target information #1 provided from the external device 300 via API.

Further, the acquiring unit 42 may acquire transaction object information including transaction object identification information read by a store terminal used by a store that provides the transaction object. For example, in the example of FIG. 1 , the acquisition unit 42 acquires transaction object information #1 including transaction object identification information read by the shop terminal 200 .

In addition, the acquisition unit 42 may acquire transaction object information including transaction object identification information indicated by a barcode attached to the transaction object. For example, in the example of FIG. 1, the acquisition unit 42 acquires transaction object information #1 including transaction object identification information indicated by a barcode attached to the transaction object.

Further, the acquisition unit 42 may acquire transaction object information including transaction object identification information uniquely set by the provider. For example, in the example of FIG. 1, the acquisition unit 42 acquires transaction target information #1 including transaction target identification information indicated by the in-store code.

Further, the acquisition unit 42 may acquire transaction object information including transaction object identification information standardized by a predetermined organization as information for identifying a transaction object. For example, in the example of FIG. 1, the acquisition unit 42 acquires transaction object information #1 including transaction object identification information indicated by a JIS standard barcode.

(Regarding the specifying part 43)
The specifying unit 43 may specify, based on the transaction target information acquired by the acquiring unit 42, coupons applicable to the user among the coupons acquired in advance by the user. For example, in the example of FIG. 1, the specifying unit 43 refers to the coupon information database 33 and the user information database 34, and the transaction object indicated by the transaction object identification information included in the transaction object information #1 is set as the applicable object. Identify Coupon #1 with

(Regarding the payment processing unit 44)
The payment processing unit 44 executes payment processing from the user to the store based on the payment information. For example, in the example of FIG. 1, the payment processing unit 44 transfers the amount indicated by the payment amount from the account of user U1 indicated by the user ID to the account of store A indicated by the store ID based on the payment information #1. transfer money.

(Regarding the granting unit 45)
The granting unit 45 grants the profit based on the coupon specified by the specifying unit 43 to the user. For example, in the example of FIG. 1, the granting unit 45 executes a process of depositing a predetermined amount of electronic money, which is granted to the user U1 by the coupon #1, into the account of the user U1.

[3. Granting process flow]
A procedure of grant processing of the settlement server 10 according to the embodiment will be described with reference to FIG. 7 . FIG. 7 is a flowchart illustrating an example of the procedure of grant processing according to the embodiment.

As shown in FIG. 7, the payment server 10 receives payment information including payment identification information for identifying payment using a user terminal used by a user (step S101). Subsequently, based on the payment identification information, the payment server 10 acquires transaction object information including transaction object identification information for identifying the transaction object to be settled from the external device (step S102). Subsequently, the settlement server 10 identifies coupons applicable to the user among the coupons previously acquired by the user, based on the transaction target information (step S103). Subsequently, the settlement server 10 gives the user a profit based on the specified coupon (step S104), and terminates the process.

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

[4-1. About coupon generation]
In the above-described embodiment, the settlement server 10 may receive setting information regarding coupon setting from the business operator, generate a coupon based on the setting information and transaction target information, and distribute the coupon to the user. For example, the settlement server 10 refers to the transaction target information database 32, and provides content indicating transaction target information linked to the in-store code received from the business operator terminal and transaction target information linked to the JAN code. A coupon applicable to a predetermined transaction object is generated based on the setting information provided to the user terminal and received through the content.

The settlement server 10 may also receive setting information regarding setting of coupons applicable to a plurality of transaction targets. For example, the settlement server 10 receives setting information regarding the setting of one coupon applicable to multiple transaction targets. To give a specific example, if a 10% reduction coupon for rice balls is set, the payment server 10 sets a plurality of transaction targets to which the coupon is applied, such as pickled plum rice balls and mentaiko rice balls, for one coupon ID. Accepts setting information including the specification of Then, the settlement server 10 generates a coupon in which identification information of a plurality of transaction objects such as pickled plum rice balls and pollack roe rice balls are associated with one coupon ID.

[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 manually performed, and conversely, all of the processes described as being manually performed can be performed manually. Alternatively, some can be done automatically by known methods. In addition, information including processing procedures, specific names, and 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 drawing is not limited to the illustrated information.

Also, each component of each device illustrated is functionally conceptual, and does not necessarily need to be physically configured as illustrated. In other words, the specific form of distribution and integration of each device is not limited to the one shown in the figure, and all or part of them can be functionally or physically distributed and integrated in arbitrary units according to various loads and usage conditions. Can be integrated and configured.

Moreover, each of the embodiments described above can be appropriately combined within a range that does not contradict the processing contents.

[5. effect〕
As described above, the payment server 10 according to the embodiment has the reception unit 41 , the acquisition unit 42 , the identification unit 43 , the payment processing unit 44 and the provision unit 45 . The accepting unit 41 accepts payment information including payment identification information for identifying payment using a user terminal used by a user. The reception unit 41 also receives payment information transmitted from a store terminal used by a store that provides a transaction target. Based on the payment identification information indicated by the payment information received by the reception unit 41, the acquisition unit 42 obtains the transaction object including the transaction object identification information that identifies the transaction object to be settled from an external device different from the granting device. Get information. In addition, the acquisition unit 42 acquires transaction target information from an external device that links and manages transaction target identification information transmitted from a store terminal used by a store that provides the transaction target and payment identification information. Also, the acquisition unit 42 acquires transaction target information from an external device via an API. The acquisition unit 42 also acquires transaction object information including transaction object identification information read by a store terminal used by a store that provides the transaction object. The specifying unit 43 specifies, based on the transaction target information acquired by the acquiring unit 42, coupons applicable to the user among the coupons acquired in advance by the user. The payment processing unit 44 executes payment processing from the user to the store based on the payment information. The granting unit 45 grants the profit based on the coupon specified by the specifying unit 43 to the user.

As a result, the payment server 10 according to the embodiment can automatically apply a coupon applicable to the user in payment using the payment application, thereby improving user convenience in payment. .

In addition, in the settlement server 10 according to the embodiment, for example, the acquisition unit 42 acquires transaction object information including transaction object identification information indicated by a barcode attached to the transaction object. In addition, the acquisition unit 42 acquires transaction object information including transaction object identification information uniquely set by the provider. Further, the acquisition unit 42 acquires transaction object information including transaction object identification information standardized by a predetermined organization as information for identifying a transaction object.

As a result, the settlement server 10 according to the embodiment can receive various types of transaction object identification information, identify applicable coupons, and give profits, thereby improving convenience.

[6. Hardware configuration]
Also, the payment server 10 according to each of the embodiments described above is implemented by, for example, a computer 1000 configured as shown in FIG. The settlement server 10 will be described below as an example. FIG. 8 is a hardware configuration diagram showing an example of a computer that implements the functions of the settlement server. Computer 1000 has CPU 1100 , ROM 1200 , RAM 1300 , HDD 1400 , communication interface (I/F) 1500 , input/output interface (I/F) 1600 and media interface (I/F) 1700 .

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

The HDD 1400 stores programs executed by the CPU 1100, data used by the programs, and the like. Communication interface 1500 receives data from another device via communication network 500 (corresponding to network N in the embodiment) and sends it to CPU 1100, and also transmits data generated by CPU 1100 via communication network 500 to other devices. Send to device.

The CPU 1100 controls output devices such as displays and printers, and input devices such as keyboards and mice, through an input/output interface 1600 . CPU 1100 acquires data from an input device via input/output interface 1600 . Also, CPU 1100 outputs the generated data to an output device via input/output interface 1600 .

Media interface 1700 reads programs or data stored in recording medium 1800 and provides them to CPU 1100 via RAM 1300 . CPU 1100 loads such a program from recording medium 1800 onto RAM 1300 via 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 a PD (Phase change rewritable disc), a magneto-optical recording medium such as an MO (Magneto-Optical disk), a tape medium, a magnetic recording medium, or a semiconductor memory. etc.

For example, when the computer 1000 functions as the settlement server 10 , the CPU 1100 of the computer 1000 implements the functions of the control unit 40 by executing programs loaded on the RAM 1300 . Further, each data in the storage device of the settlement server 10 is stored in the HDD 1400 . CPU 1100 of computer 1000 reads these programs from recording medium 1800 and executes them, but as another example, these programs may be obtained from another device via a predetermined communication network.

[7. others〕
As described above, some of the embodiments of the present application have been described in detail based on the drawings. It is possible to carry out the invention in other forms with modifications.

In addition, the configuration of the settlement server 10 described above can be flexibly changed, for example, by calling an external platform or the like using an API (Application Programming Interface), network computing, or the like, depending on the function.

In addition, the "unit" described in the claims can be read as "means", "circuit", or the like. For example, the reception unit can be read as reception means or a reception circuit.

10 settlement server 20 communication unit 30 storage unit 31 account database 32 transaction object information database 33 coupon information database 34 user information database 40 control unit 41 reception unit 42 acquisition unit 43 identification unit 44 settlement processing unit 45 grant unit 100 user terminal 200 Store terminal 300 External device

A granting device according to the present application includes a storage unit that associates and stores user-specific information unique to a user and a coupon acquired by the user, the user-specific information, and the usage that the user uses. a reception unit that receives payment information including payment identification information that identifies payment using a user terminal; and based on the payment identification information indicated by the payment information received by the reception unit, from an external device different from the granting device, an acquisition unit that acquires transaction object information including transaction object identification information that identifies the transaction object that is the object of settlement; and a coupon acquired in advance by the user based on the transaction object information acquired by the acquisition unit. It is characterized by having a specifying unit that specifies a coupon applicable to the user and a granting unit that grants the user a benefit based on the coupon specified by the specifying unit.

Claims (10)

an applicator,
a reception unit that receives payment information including payment identification information that identifies payment using a user terminal used by a user;
Based on the payment identification information indicated by the payment information received by the reception unit, transaction object information including transaction object identification information for identifying the transaction object to be settled is acquired from an external device different from the granting device. an acquisition unit that
a specifying unit that specifies a coupon applicable to the user among the coupons previously acquired by the user based on the transaction target information acquired by the acquiring unit;
and a granting unit that grants the user a benefit based on the coupon specified by the specifying unit. The acquisition unit
wherein the transaction object information is acquired from the external device that manages the transaction object identification information transmitted from the store terminal used by the store that provides the transaction object and the payment identification information in association with each other. Applicator according to claim 1. The acquisition unit
3. The granting device according to claim 1, wherein the transaction object information is acquired from the external device via an API (Application Programming Interface). The reception unit
Receiving the payment information transmitted from the store terminal used by the store that provides the transaction object,
The granting device according to any one of claims 1 to 3, further comprising a processing unit that executes payment processing from the user to the store based on the payment information. The acquisition unit
The granting device according to any one of claims 1 to 4, wherein the transaction object information including the transaction object identification information read by a store terminal used by a store that provides the transaction object is acquired. . The acquisition unit
The granting device according to any one of claims 1 to 5, wherein the transaction object information including the transaction object identification information indicated by a barcode attached to the transaction object is obtained. The acquisition unit
The granting device according to any one of claims 1 to 6, wherein the transaction object information including the transaction object identification information uniquely set by the transaction object provider is obtained. The acquisition unit
The assignment according to any one of claims 1 to 7, wherein the transaction object information including the transaction object identification information standardized by a predetermined organization is acquired as the information for identifying the transaction object. Device. An application method performed by an application device,
a receiving step of receiving payment information including payment identification information for identifying payment using a user terminal used by a user;
Based on the payment identification information indicated by the payment information received by the receiving step, transaction object information including transaction object identification information for identifying the transaction object to be settled is acquired from an external device different from the granting device. an obtaining step for
an identifying step of identifying a coupon applicable to the user among the coupons previously acquired by the user based on the transaction target information obtained by the obtaining step;
and a granting step of granting to the user a benefit based on the coupon specified by the specifying step. A granting program executed by a granting device,
a reception procedure for receiving payment information including payment identification information that identifies payment using a user terminal used by a user;
Based on the payment identification information indicated by the payment information accepted by the acceptance procedure, transaction object information including transaction object identification information for identifying the transaction object to be settled is acquired from an external device different from the granting device. an acquisition procedure to
a specifying procedure for specifying a coupon applicable to the user among the coupons previously acquired by the user based on the transaction target information acquired by the acquiring procedure;
and a granting program for causing a granting device to execute a granting procedure for granting the user a benefit based on the coupon specified by the specifying procedure.

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