JP2023093651A - Application device, application method, and application program - Google Patents

Abstract

To provide an application device, an application method, and an application program that improve the convenience of a user in settlement.SOLUTION: In an application processing system, a settlement server, user terminals, and store terminals are connected to each other via a network N. The settlement server as an application device includes: a reception unit that receives settlement information containing identification information identifying a transaction object for which an electronic settlement is performed by means of a user terminal used by a user; a settlement processing unit that executes settlement processing in accordance with the settlement information received by the reception unit; a determination unit that determines transaction objects for which a coupon that can be used with an electronic settlement service and has already been acquired by the user from is not applicable among the transaction objects included in the settlement information; a decision unit that decides an application mode of the coupon to the remaining transaction objects excluding the transaction objects for which the coupon is not applicable from among the transaction objects included in the settlement information; and an application part that applies a benefit based on the application mode of the coupon decided by the decision 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 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.

A granting device according to the present application includes a receiving unit that receives payment information including identification information that identifies a transaction target that is a target of electronic payment using a user terminal used by a user, and a receiving unit that receives payment information according to the payment information. , a payment processing unit that executes payment processing, and a transaction object that is a coupon that can be used in an electronic payment service and is not subject to application of the coupon that has already been acquired by the user, from among the transaction objects included in the payment information. a determination unit for determining; a determination unit for determining the mode of application of the coupon for remaining transaction targets after excluding transaction targets to which the coupon is not applied from among the transaction targets included in the payment information; and a granting unit that grants to the user a benefit based on the application mode of the coupon determined by the unit.

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 illustrating an example of a list 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, and a store terminal 200. The payment server 10, the user terminal 100, and the store terminal 200 are connected by wire or wirelessly via a network N (see FIG. 2, for example) so that they can communicate with each other. The network N is, for example, a WAN (Wide Area Network) such as the Internet. Note that 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 store terminals 200. 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.

In addition, the payment server 10 provides coupon information on coupons that are given to the user in the electronic payment service and that can be used in the electronic payment service, to the coupon provider (in other words, to plan, set, etc. the coupon, and to provide the coupon resource). is received from the person who invests (provides), and is managed in the storage unit of the own device. For example, the payment server 10 may specify the conditions under which the coupon is applied to the user (payment destination and payment amount), and the details of the profit given to the user by the coupon (a predetermined percentage of the payment amount in cash). back, etc.), and manages coupon information including acquisition conditions for users to acquire coupons.

In addition, the settlement server 10 manages, in the storage unit of its own device, list information indicating a list of transaction targets excluded from coupon application targets. For example, the settlement server 10 manages list information set by a coupon provider.

Also, 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 (identification information for identifying the product) indicated by the barcode attached to the transaction object.

[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 at the store A, which indicates store identification information for identifying the store A, is used by the 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 the user U1 makes a payment for using or purchasing a payment target (transaction target) such as various products and services at the store A, the user U1 uses a payment application installed in the user terminal 100 in advance. 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 or a predetermined voice indicating that the payment has been completed. Here, the settlement server 10 may subtract a predetermined fee (management fee, etc.) from the 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 includes not only the process of transferring electronic money from the account charged with electronic money in advance by the user U1 to the account of the store A, but also the 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 subtract the amount of cash to be paid from the payment amount and deposit it in a bank account, or to subtract the electronic money to be transferred from the payment amount to the account of store A. .

[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 the discount for the corresponding product is settled 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 settlement, 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 settlement server 10 sends identification information of the transaction object indicated by the JAN code and information (name, etc.) of the transaction object linked to the JAN code to an external server (JAN code integrated product information database). etc.), and the acquired information is stored in the storage unit of its own device as transaction target information. In the following description, the settlement server 10 stores identification information indicated by an in-store code uniquely numbered by the business operator M1 who manages the store A, transaction target information including the name of the transaction target, etc. It is assumed that the information is received from the operator's terminal to be used and stored in the storage unit of the own device.

Further, in the following description, the settlement server 10 provides coupon information related to coupon #1 that can be used in settlement using the above-described settlement application, and list information indicating a list of transaction targets to be excluded from coupon #1 application targets. It is assumed that #1 is received from the operator's terminal used by operator M1 and stored in the storage unit of its own device. For example, the settlement server 10 provides the business terminal with content indicating transaction target information stored in the storage unit of its own device, and receives coupon information and list information #1 via the content. In the example of FIG. 1, it is assumed that the conditions for applying coupon #1 are set as "settlement of 1,000 yen or more at store A" and the content of profit is set as "cash back 10% of the settlement amount". .

Further, in the following description, user U1 who satisfies the conditions for acquiring coupon #1 activates a payment application pre-installed in user terminal 100 and performs a predetermined operation to acquire distributed coupon #1. assume that you are doing In this case, the settlement server 10 associates the user ID indicating the user U1 with the coupon #1, and manages them in the storage unit of its own device.

First, the store terminal 200 reads the bar code of each transaction target purchased by the user U1 who has visited the store A and the user ID (step S1). For example, the store terminal 200 reads the 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 payment server 10 receives from the store terminal 200 the payment information regarding the payment for the store A by the user U1 (step S2). For example, the settlement server 10 stores the store ID of the store A, the identification information of the transaction object read by the store terminal 200 in step S1, the total price (settlement amount) of each transaction object linked to the identification information, Payment information including the user ID of person U1 is accepted. In the example of FIG. 1, the settlement server 10 has a transaction object #1 whose price is "400 yen", a transaction object #2 whose price is "600 yen", and a transaction object #2 whose price is "500 yen". It is assumed that payment information including the identification information of No. 3 and the payment amount of "1,500 yen" has been accepted.

Subsequently, the payment server 10 determines whether or not the transaction target indicated by the payment information is included in the list information #1 (step S3). Subsequently, the settlement server 10 determines the mode of application of the coupon #1 based on the determination result (step S4). Here, if the transaction object #1 indicated by the payment information is included in the list information #1 and the transaction objects #2 and #3 are not included in the list information #1, the payment server 10 determines the price of the transaction object #1 400 yen” is excluded from the settlement amount of “1,500 yen”, and the application mode of coupon #1 is determined based on the settlement amount of “1,100 yen”. In such a case, the settlement server 10 applies the coupon #1 to the user U1 because the settlement amount "1,100 yen" satisfies the conditions for applying the coupon #1, and determines the amount of profit given to the user U1. It is determined as "110 yen" which is 10% of "1,100 yen".

Also, if the transaction object #2 indicated by the payment information is included in the list information #1 and the transaction objects #1 and #3 are not included in the list information #1, the payment server 10 determines that the price of the transaction object #2 is “600 The application mode of coupon #1 is determined based on the settlement amount "900 yen" obtained by excluding the settlement amount "1,500 yen" from the settlement amount "1,500 yen". In such a case, the payment server 10 determines not to apply the coupon #1 to the user U1 because the payment amount "900 yen" does not satisfy the conditions for applying the coupon #1.

Also, if the transaction objects #1 to #3 indicated by the payment information are not included in the list information #1, the payment server 10 determines the mode of application of the coupon #1 based on the payment amount "1,500 yen". In such a case, the payment server 10 applies the coupon #1 to the user U1 because the payment amount of "1,500 yen" satisfies the conditions for applying the coupon #1, and determines the amount of profit given to the user U1. "150 yen" which is 10% of "1,500 yen" is determined.

Subsequently, the settlement server 10 executes settlement processing based on the settlement information, and gives profit based on the coupon #1 to the user U1 (step S5). For example, the settlement server 10 executes a process of transferring electronic money for the settlement amount of "1,500 yen" from the account of user U1 to the account of store A. Then, the settlement server 10 provides the user U1 with a profit corresponding to the application mode determined in step S4. To give a specific example, if transaction object #1 indicated by the payment information is included in list information #1 and transaction objects #2 and #3 are not included in list information #1, the payment server 10 outputs "110 Yen” worth of electronic money is deposited into the account held by user U1 in the payment application. In addition, if transaction targets #1 to #3 indicated by the payment information are not included in the list information #1, the payment server 10 deposits "150 yen" worth of electronic money into the account held by the user U1 in the payment application. do. If transaction object #2 indicated by the payment information is included in list information #1 and transaction objects #1 and #3 are not included in list information #1, the payment server 10 does not give profit.

As described above, the settlement server 10 according to the embodiment applies coupons to users based on list information indicating a list of transaction targets excluded from coupon application targets. As a result, the settlement server 10 according to the embodiment applies the coupon to the user and gives a profit to the user without making separate settlements for the transaction targets included in the list information and the transaction targets not included in the list information. can do. 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, 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 list 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 the list information database 32)
The list information database 32 stores information indicating a list of transaction targets excluded from coupon application targets. An example of information stored in the list information database 32 will now be described with reference to FIG. FIG. 4 is a diagram illustrating an example of a list information database according to the embodiment; In the example of FIG. 4, the list information database 32 has items such as "coupon ID" and "list information".

"Coupon ID" indicates identification information for identifying a coupon. "List information" indicates a list of transaction targets excluded from coupon application targets, and stores, for example, identification information for identifying transaction targets.

That is, FIG. 4 shows an example in which "list information #1" is the transaction target excluded from the application target of the coupon identified by the coupon ID "CID#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", "details of profit", and "acquisition conditions". "Coupon ID" indicates identification information for identifying a coupon. "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 operator identified by the operator ID "MID#1" is identified by the coupon ID "CID#1", the profit content is "profit content #1", and the acquisition condition is An example of "acquisition condition #1" is shown.

(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 identification information for identifying a transaction target for payment using a user terminal used by a user. For example, in the example of FIG. 1, the accepting unit 41 accepts payment information including identification information for identifying a transaction target, which is a payment target using a payment application pre-installed in the user terminal 100 .

Further, the receiving unit 41 may receive payment information including identification information read by 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 including the identification information of the transaction target read by the barcode reader or the like of the shop terminal 200 and the user ID displayed on the user terminal 100. .

Further, the accepting unit 41 may accept payment information including identification information indicated by a barcode attached to the transaction object. For example, in the example of FIG. 1, the receiving unit 41 receives from the store terminal 200 payment information including identification information indicated by a barcode attached to the transaction object.

Further, the receiving unit 41 may receive payment information including identification information uniquely set by the provider of the transaction object. For example, in the example of FIG. 1, the reception unit 41 receives from the store terminal 200 payment information including identification information indicated by an in-store code uniquely numbered by the business operator M1.

Further, the receiving unit 41 may receive payment information including identification information standardized by a predetermined organization as information for identifying a transaction target. For example, in the example of FIG. 1 , the reception unit 41 receives payment information including identification information indicated by a JIS standard barcode from the store terminal 200 .

(Regarding the determination unit 42)
The determination unit 42 determines whether or not the transaction target indicated by the identification information is included in list information indicating a list of transaction targets excluded from coupon application targets. For example, in the example of FIG. 1, the determination unit 42 refers to the list information database 32 and determines whether the transaction target indicated by the payment information is included in the list information #1.

Further, the determination unit 42 may determine whether or not the transaction target indicated by the identification information is included in the list information set by the coupon provider. For example, in the example of FIG. 1, the determination unit 42 determines whether the transaction target indicated by the payment information is included in the list information #1 received from the business operator terminal used by the business operator M1.

Further, the determination unit 42 may determine whether or not the transaction target indicated by the identification information is included in list information indicating a list of categories of transaction targets excluded from coupon application targets. For example, the determination unit 42 determines whether or not the transaction target indicated by the payment information is included in the transaction target category indicated by the list information. As a specific example, the storage unit 30 stores the identification information of the transaction object in association with the category to which the transaction object belongs. Then, the determination unit 42 identifies the category associated with the transaction object indicated by the payment information, and determines whether or not the identified category is included in the list information. To give a more specific example, when the category associated with the transaction object indicated by the payment information is "cigarettes", it is determined whether or not the category "cigarettes" is included in the list information.

It should be noted that any granularity can be adopted for the category of the transaction object indicated by the list information. For example, if the transaction targets provided by the store are classified into categories having a predetermined hierarchical relationship, the transaction targets belonging to any hierarchical category may be excluded from the coupon application targets.

(About decision unit 43)
When the transaction target indicated by the identification information is included in the list information, the determination unit 43 determines the application mode of the coupon acquired in advance by the user based on the settlement information excluding the transaction target included in the list information. do. For example, in the example of FIG. 1, if the transaction object #1 indicated by the payment information is included in the list information #1 and the transaction objects #2 and #3 are not included in the list information #1, the determination unit 43 determines that the coupon information By referring to the database 33, the application mode of the coupon #1 is determined based on the settlement amount "1,100 yen" obtained by excluding the price "400 yen" of the transaction object #1 from the settlement amount "1,500 yen".

Further, when the transaction target indicated by the identification information is not included in the list information, the determination unit 43 may determine the application mode of the coupon previously acquired by the user based on the payment information. For example, in the example of FIG. 1, if the transaction objects #1 to #3 indicated by the payment information are not included in the list information #1, the determination unit 43 selects coupon #1 based on the payment amount of "1,500 yen". Determine the mode of application.

Further, the determination unit 43 may determine the application mode of the coupon acquired in advance by the user based on the amount of payment indicated by the payment information, excluding the price of the transaction target included in the list information. For example, in the example of FIG. 1, the determining unit 43 determines the settlement amount "1,100 yen" by excluding the price "400 yen" of the transaction object #1 included in the list information #1 from the settlement amount "1,500 yen". satisfies the conditions for applying coupon #1, coupon #1 is applied to user U1, and the amount of profit given to user U1 is determined to be 10% of 1,100 yen, which is 110 yen. .

(Regarding the payment processing unit 44)
The payment processing unit 44 executes payment processing according to the payment information received by the reception unit 41 . For example, the payment processing unit 44 transfers the amount of electronic money indicated by the payment amount from the account of the user indicated by the user ID to the account of the store indicated by the shop ID.

(Regarding the granting unit 45)
The granting unit 45 grants the benefit to the user based on the application mode determined by the determining unit 43 . For example, in the example of FIG. 1, if the transaction object #1 indicated by the payment information is included in the list information #1 and the transaction objects #2 and #3 are not included in the list information #1, the addition unit 45 45 gives electronic money worth "110 yen" to the user U1. Further, when the transaction objects #1 to 3 indicated by the settlement information are not included in the list information #1, the granting unit 45 grants electronic money worth "150 yen" to the user U1. Note that when the transaction object #2 indicated by the payment information is included in the list information #1 and the transaction objects #1 and #3 are not included in the list information #1, the granting unit 45 does not grant profits.

[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, payment information including identification information for identifying a transaction object is received (step S101). Subsequently, the payment server 10 determines whether or not the transaction target indicated by the payment information is included in the list information (step S102). If the transaction target indicated by the payment information is included in the list information (step S102; Yes), the payment server 10 applies the coupon previously acquired by the user based on the payment information excluding the transaction target included in the list information. A mode is determined (step S103). Subsequently, the settlement server 10 gives a profit based on the determined application mode (step S105), and terminates the process.

On the other hand, if the transaction target indicated by the payment information is not included in the list information (step S102; No), the payment server 10 determines the mode of application of the coupon previously acquired by the user based on the payment information (step S104). ). Subsequently, the settlement server 10 gives a profit based on the determined application mode (step S105), and terminates the process.

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

[4-1. About list information]
In the above-described embodiment, the determination unit 42 determines whether or not the category "cigarettes" indicated by the list information and the transaction target indicated by the payment information are included. It is not limited to specific examples, and may include any transaction mode. For example, the list information may include transaction objects belonging to the category “alcohol” and transaction objects provided by dispensing (for example, medicines provided based on a prescription).

Further, the list information may include usage fees for predetermined services as targets to be excluded from coupon application targets. For example, the determination unit 42 determines whether or not the payment amount includes a fee (public utility fee) charged to the user for use of water, electricity, gas, or the like. Then, when the public utility charge is included in the payment amount, the determining unit 43 determines the application mode of the coupon based on the amount of payment excluding the public utility charge.

[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 determination unit 42 , the determination unit 43 , the payment processing unit 44 and the provision unit 45 . The accepting unit 41 accepts payment information including identification information for identifying a transaction target for payment using a user terminal used by a user. The accepting unit 41 also accepts payment information including identification information read by a store terminal used by a store that provides a transaction target. The determination unit 42 determines whether or not the transaction target indicated by the identification information is included in list information indicating a list of transaction targets excluded from coupon application targets. When the transaction target indicated by the identification information is included in the list information, the determination unit 43 determines the application mode of the coupon acquired in advance by the user based on the settlement information excluding the transaction target included in the list information. do. Further, when the transaction target indicated by the identification information is not included in the list information, the determination unit 43 determines the mode of application of the coupon acquired in advance by the user based on the payment information. Further, the determination unit 43 determines the mode of application of the coupon acquired in advance by the user, based on the amount of payment indicated by the payment information, excluding the price of the transaction target included in the list information. The payment processing unit 44 executes payment processing according to the payment information received by the reception unit 41 . The granting unit 45 grants the benefit to the user based on the application mode determined by the determining unit 43 .

As a result, the settlement server 10 according to the embodiment applies the coupon to the user and gives a profit to the user without making separate settlements for the transaction targets included in the list information and the transaction targets not included in the list information. Therefore, it is possible to improve convenience for the user in settlement.

Also, in the payment server 10 according to the embodiment, for example, the reception unit 41 receives payment information including identification information indicated by a barcode attached to a transaction object. The receiving unit 41 also receives payment information including identification information uniquely set by the provider of the transaction object. Further, the receiving unit 41 receives payment information including 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 accept various kinds of identification information, determine the mode of applying the coupon, and give a profit, thereby improving convenience.

In addition, in the settlement server 10 according to the embodiment, for example, the determination unit 42 determines whether or not the transaction target indicated by the identification information is included in the list information set by the coupon provider. Further, the determination unit 42 determines whether or not the transaction target indicated by the identification information is included in list information indicating a list of transaction target categories excluded from coupon application targets.

As a result, the settlement server 10 according to the embodiment can exclude any transaction target from coupon application targets, 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 other devices 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 list information database 33 coupon information database 34 user information database 40 control unit 41 reception unit 42 determination unit 43 determination unit 44 payment processing unit 45 grant unit 100 user terminal 200 store terminal

Claims (11)

a reception unit that receives payment information including identification information that identifies a transaction target for electronic payment using a user terminal used by a user;
a payment processing unit that executes payment processing according to the payment information received by the reception unit;
a determination unit that determines, from among the transaction objects included in the payment information, a transaction object that is a coupon that can be used in an electronic payment service and that is not subject to application of the coupon that has already been acquired by the user;
a determination unit that determines an application mode of the coupon for remaining transaction targets after excluding transaction targets to which the coupon is not applied from among the transaction targets included in the payment information;
a granting unit that grants to the user a benefit based on the application mode of the coupon determined by the determination unit. wherein the determination unit determines the mode of application of the coupon with respect to the total settlement amount of the remaining transaction targets after excluding the transaction targets to which the coupon is not applied from among the transaction targets included in the payment information. Applicator according to claim 1, characterized in that: Originally, all transaction objects included in the payment information are the application objects of the coupon,
3. The granting device according to claim 1 or 2, wherein the determination unit determines, ex post facto, a transaction target set as a non-application target of the coupon from among the transaction targets included in the payment information. . The reception unit receives list information indicating a list of transaction targets to be excluded from application targets of the coupon from the coupon provider,
The determination unit determines whether or not each transaction target included in the payment information is a transaction target indicated in the list information,
3. The determining unit determines the mode of application of the coupon for remaining transaction objects after excluding the transaction objects shown in the list information from among the transaction objects included in the payment information. 4. Applicator according to any one of 1 to 3. 5. The applying device according to claim 4, wherein the list information can be updated at any time by receiving new list information. 6. The coupon according to any one of claims 1 to 5, characterized in that the coupon is set not for the transaction target to which the coupon is applied, but only for the transaction target excluded from the application target of the coupon. application device. 7. Any one of claims 1 to 6, characterized in that the coupon is capable of changing transaction targets excluded from application targets of the coupon even after the user acquires the coupon. Applicator according to . The coupon is set to cash back a predetermined percentage of the settlement amount when a payment of a predetermined amount or more is made at a predetermined store,
When a payment of a predetermined amount or more is made to the store, the determination unit cashes back a predetermined percentage of the total settlement amount of the remaining transaction objects excluding transaction objects to which the coupon is not applied. 8. An applicator device according to any one of claims 1 to 7, characterized in that it determines: The granting unit applies the coupon to the user without separately settling the transaction object to which the coupon is not applied subject to the payment amount and the transaction object to which the coupon is not applied, The granting device according to any one of claims 1 to 8, wherein a benefit based on the application mode of the coupon is granted to the user. A computer-implemented method of imparting, comprising:
a receiving step of receiving payment information including identification information for identifying a transaction target for electronic payment using a user terminal used by a user;
a payment processing step for executing payment processing according to the payment information received by the reception step;
a determination step of determining, from among the transaction targets included in the payment information, a transaction target that is a coupon that can be used in an electronic payment service and that is not subject to application of the coupon already acquired by the user;
a determination step of determining an application mode of the coupon for remaining transaction objects after excluding transaction objects to which the coupon is not applied among the transaction objects included in the payment information;
and a granting step of granting to the user a benefit based on the application mode of the coupon determined by the determining step. a reception procedure for receiving payment information including identification information that identifies a transaction target for electronic payment using a user terminal used by a user;
a payment processing procedure for executing payment processing according to the payment information received by the reception procedure;
a determination procedure for determining, from among the transaction objects included in the payment information, a transaction object that is a coupon that can be used in an electronic payment service and that is not subject to application of the coupon that has already been acquired by the user;
a determination procedure for determining the mode of application of the coupon for the remaining transaction objects after excluding the transaction objects to which the coupon is not applied from among the transaction objects included in the payment information;
and a granting program for causing a computer to execute a granting procedure for granting to the user a benefit based on the application mode of the coupon determined by the determination procedure.

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