JP2023117425A - Management apparatus, management method, and management program - Google Patents

Abstract

To provide a management apparatus, a management method, and a management program for improving convenience for a store that introduces an electronic settlement service which can offer benefits based on a coupon to a user.SOLUTION: In an information processing system, a user terminal 10, a store terminal 20, a business operator terminal 30, and a management apparatus 100 are connected to a network N by wire or wirelessly. A control unit of the management apparatus includes a receiving unit. The receiving unit receives, through a setting screen for a coupon to be immediately applied in an electronic settlement, a user category for designating a target user to which the coupon is to be applied, out of users who can use the electronic settlement, and settings for detail criteria regarding the user category.SELECTED DRAWING: Figure 7

Description

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

2. Description of the Related Art Conventionally, there is known a technique of giving a predetermined profit to a user who uses electronic payment. As an example of such a technology, it is possible to give benefits to users without impairing the convenience of electronic payments made using identification codes, and to increase the added value of electronic payments using identification codes. techniques have been proposed. With such technology, for example, benefits are given based on coupons provided to users.

JP 2020-091764 A

However, in the conventional technology described above, there is a demand for improving the convenience on the side of stores that introduce electronic payment services that can give benefits based on coupons to users.

The present application has been made in view of the above, and provides a management device, a management method, and a management program that can improve the convenience of a store that introduces an electronic payment service that can give benefits based on coupons to users. intended to

The management device according to the present application, through a setting screen for coupons that are immediately applied in electronic payment, sets user classifications for specifying target users to whom coupons are applied among users who can use electronic payment, and details about user classifications. It has a reception unit that receives the setting of the criteria.

According to one aspect of the embodiment, it is possible to improve the convenience of a store that introduces an electronic payment service capable of providing users with benefits based on coupons.

FIG. 1 is a diagram illustrating an example of information processing according to an embodiment. FIG. 2 is a diagram showing an outline of setting coupon information according to the embodiment. FIG. 3 is a diagram illustrating an example of customization processing according to the embodiment. FIG. 4 is a diagram illustrating an example of customization processing according to the embodiment. FIG. 5 is a diagram illustrating an example of customization processing according to the embodiment. FIG. 6 is a diagram illustrating another example of customization processing according to the embodiment. FIG. 7 is a diagram illustrating a configuration example of an information processing system according to the embodiment; FIG. 8 is a block diagram illustrating a configuration example of a management device according to the embodiment; FIG. 9 is a diagram showing an overview of user information according to the embodiment. FIG. 10 is a diagram illustrating an overview of store information according to the embodiment; FIG. 11 is a diagram showing an overview of coupon information according to the embodiment. FIG. 12 is a diagram showing an overview of payment information according to the embodiment. FIG. 13 is a diagram showing an overview of account information according to the embodiment. 14 is a flowchart illustrating an example of a processing procedure of the management device according to the embodiment; FIG. 15 is a flowchart illustrating an example of a processing procedure of the management device according to the embodiment; FIG. 16 is a flowchart illustrating an example of a processing procedure of the management device according to the embodiment; FIG. 17 is a flowchart illustrating an example of a processing procedure of the management device according to the embodiment; FIG. 18 is a hardware configuration diagram illustrating an example of a computer that implements the functions of the management apparatus according to the embodiment; FIG.

Embodiments for implementing the management device, management method, and management program according to the present application (hereinafter referred to as "embodiments") will be described in detail below with reference to the drawings. Note that the management device, management method, and management 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. Example of information processing]
(1-1. Outline of information processing system)
Information processing realized by an information processing system including the management device 100 according to the embodiment will be described with reference to FIG. FIG. 1 is a diagram illustrating an example of information processing according to an embodiment. Note that FIG. 1 describes an example of information processing when the user U01 makes a purchase at a store a using an electronic payment service using an identification code.

As shown in FIG. 1, an information processing system 1 according to the embodiment includes a user terminal 10, a store terminal 20, a business operator terminal 30, and a management device 100. The user terminal 10, the store terminal 20, the business terminal 30, and the management device 100 are connected to a network N (see FIG. 7, for example) by wire or wirelessly.

The user terminal 10 and the management device 100 can communicate with each other via the network N. FIG. Also, the store terminal 20 and the management device 100 can communicate with each other via the network N. FIG. Also, the operator terminal 30 and the management device 100 can communicate with each other via the network N. FIG. Network N is, for example, a WAN (Wide Area Network) such as the Internet. The information processing system 1 shown in FIG. 1 may include more user terminals 10, store terminals 20, business terminal 30, and management apparatus 100 than the example shown in FIG.

The user terminal 10 shown in FIG. 1 is an information processing terminal used by the user U01. User terminal 10 is typically a smart phone. The user terminal 10 displays information delivered by the management device 100 on the display unit 11 using a web browser or an application.

Also, the user terminal 10 acquires a coupon provided by the management device 100 according to the user's operation. Then, the user terminal 10 associates the coupon ID individually assigned to the acquired coupon with the user ID individually assigned to the user of the user terminal 10 (for example, user U01 shown in FIG. 1). Send to the management device 100 . As a result, the management device 100 manages the user ID and the coupon ID in association with each other. By obtaining a coupon in advance, the user U01 of the user terminal 10 can automatically receive benefits based on the coupon in conjunction with payment.

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

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

In addition, the store terminal 20 includes a reader for reading barcodes, which are one-dimensional codes, and QR codes (registered trademark), which are two-dimensional codes. The shop terminal 20 can read the bar code and the two-dimensional code C displayed on the display unit 11 of the user terminal 10 by a reader.

Also, the store a where the store terminal 20 is installed is one of the stores that introduce the electronic payment service provided by the payment processing system operated and managed by the management device 100 . The store a is, for example, one of the stores developed by the business headquarters A, which will be described later. As a typical example of a business form by business operator headquarters A and store a, the case where business operator headquarters A is a franchise headquarters and store a is a directly managed store can be exemplified.

A business operator terminal 30 shown in FIG. 1 is an information processing terminal used by an employee U03 of a business operator headquarters A of a company that supervises a store a that introduces an electronic payment service provided by the management device 100 . The business terminal 30 is typically a notebook PC (Personal Computer) or a desktop PC. The business terminal 30 can be realized by a smartphone, a tablet terminal, a mobile phone, a PDA (Personal Digital Assistant), etc., in addition to the PC.

In addition, the business terminal 30 displays information distributed by the management device 100 on the display unit 31 using a web browser or an application. In addition, the business terminal 30 sets coupon information regarding the coupon to the management device 100 through the coupon setting screen W1 (see FIG. 2) displayed on the display unit 31. FIG. Details regarding setting of coupon information will be described later.

The management device 100 shown in FIG. 1 is an information processing device that provides an electronic payment service (payment means) for electronic payment using the user terminal 10 . The management device 100 is typically a server device, a cloud system, or the like. For example, the management device 100 manages accounts of a store (for example, store a) that is a provider (operator) of a transaction object (product, etc.) and a user (for example, user U01) to whom the transaction object is provided. The management device 100 realizes various settlements by transferring electronic money between accounts in accordance with a settlement request from a user. 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 management device 100 manages coupon information regarding coupons to be provided to users of the electronic payment service. Coupon information managed by the management device 100 is set by, for example, an employee U03 of a business headquarters A of a company that plans coupons and invests coupon resources in the information processing system 1 shown in FIG. The coupon information managed by the management device 100 includes, for example, application conditions under which the coupon is applied to the user, content of profit given to the user by the coupon, upper limit of profit allocated to one user, and the like.

When the user terminal 10 and the business operator terminal 30 receive control information for realizing predetermined information processing from the management device 100, the user terminal 10 and the business terminal 30 realize 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 described by language or the like. Note that the predetermined application itself distributed from the management device 100 may be regarded as the control information.

(1-2. Regarding payment processing in the information processing system)
Here, an example of electronic payment executed in the information processing system 1 will be described. In the following description, the user U01 uses a two-dimensional code (QR code (registered trademark)) arranged at the store a and a two-dimensional code C indicating store identification information for identifying the store a. An example of making a payment using the terminal 10 will be described, but the embodiment is not limited to this. An example of the code settlement described below is also applicable when any user uses any user terminal 10 to make a payment at any store. Moreover, the two-dimensional code C indicating the store identification information may be not only a QR code but also a bar code, a predetermined mark, a number, or the like. Further, the two-dimensional code C is not limited to the example physically configured by printed matter printed on a medium such as paper, and may be configured by image information displayed on the shop terminal 20 .

For example, when the user U01 makes a payment accompanying the purchase or use of a transaction target such as various products and services at a store a, the user U01 installs a payment application program (hereinafter referred to as “user app”). Then, the user U01 photographs the two-dimensional code C installed at the store a via the user application. In such a case, the user terminal 10 displays a screen for inputting the price of the transaction object, and accepts the input of the payment amount from the user U01 or the store clerk at the store a. Then, the user terminal 10 receives user identification information that identifies the user U01, store identification information (or information indicated by the store identification information, that is, information indicating the store a (e.g., store ID)), and a settlement amount. to the management device 100 .

When receiving the transaction information from the user terminal 10, the management device 100 transfers electronic money corresponding to the settlement amount from the account of the user U01 indicated by the user identification information to the account of the store a indicated by the store identification information. Let At this time, the management device 100 may deduct a predetermined fee to be charged to the store a from the amount of electronic money corresponding to the settlement amount, and then transfer the electronic money to the account of the store a. The management device 100 then transmits to the user terminal 10 a notification that the transaction has been completed. In such a case, the user terminal 10 notifies the user U01 that the electronic money transaction has been completed by outputting a screen or a predetermined voice indicating that the transaction has been completed. Alternatively, the management device 100 withdraws electronic money equivalent to the settlement amount from the account of the user U01 indicated by the user identification information, manages it as sales information of the store a, and manages the amount equivalent to the sales in cash at a predetermined timing. may be transferred to the bank account held by store a. In this case, the management device 100 may notify the user U01 that the electronic money transaction is completed at the timing when the electronic money equivalent to the settlement amount is withdrawn from the account of the user U01.

Note that the settlement using the user terminal 10 is not limited to the processing described above. For example, the payment using the user terminal 10 may be made using the store terminal 20 installed at the store a. Specifically, first, the user terminal 10 displays code information indicating user identification information for identifying the user U01 on the screen. In such a case, the store terminal 20 installed in the store a reads the user identification information from the code information displayed on the user terminal 10, and the read user identification information (or information indicated by the user identification information, That is, transaction information including information indicating user U01 (for example, user ID), payment amount, and store identification information for identifying store a is transmitted to management device 100 .

When receiving the transaction information from the shop terminal 20, the management device 100 transfers electronic money corresponding to the settlement amount from the account of the user U01 indicated by the user identification information to the account of the shop a. The management device 100 then transmits a notification that the transaction has been completed to the store terminal 20 or the user terminal 10 . The store terminal 20 or the user terminal 10 notifies the user U01 that the electronic money transaction has been completed by outputting a screen or a predetermined voice indicating that the transaction has been completed. In addition, the management device 100 withdraws electronic money equivalent to the settlement amount from the account of the user U01 indicated by the user identification information, manages it as sales information of the store a, and manages the amount equivalent to the sales in cash at a predetermined timing. may be transferred to the bank account held by store a. In this case, the management device 100 may notify the operator Ua or the user U01 that the electronic money transaction is completed at the timing when the electronic money corresponding to the settlement amount is withdrawn from the account of the user U01.

The settlement using the user terminal 10 includes not only the process of transferring electronic money from the account charged with electronic money by the user U01 in advance to the account of the store a, but also the credit card pre-registered by the user U01. It may be a payment made by In such a case, for example, the user terminal 10 transfers the amount of electronic money indicated by the settlement amount to the account of store a, and charges the operating company of user U01's credit card for the amount indicated by the settlement amount. You may

In addition, the settlement using the user terminal 10 is not only a process of transferring electronic money from the account of the user U01 to the account of the store, but also, for example, transferring electronic money from the account of the user U01 to another user's account. It may be settlement (that is, remittance between users). For example, the user terminal 10 used by the remittance source user U01 reads the user identification information that identifies the remittance destination user (for example, the user identification information displayed on the terminal device used by the remittance destination user). , an input of the remittance amount from the user U01 is received, and information indicating the read identification information, the remittance amount, and the user identification information for identifying the user U01 is transmitted to the management device 100 . In such a case, the management device 100 transfers the amount of electronic money indicated by the remittance amount from the account of the user U01 to the account of the user of the remittee, and , the fact that the remittance has been completed may be notified by outputting a screen or a predetermined voice indicating that the remittance has been completed.

Note that the remittance using the user terminal 10 is not limited to the processing described above. For example, remittance using the user terminal 10 may be performed by inputting into the user terminal 10 the telephone number of the remittee user or information indicating the remittee user (for example, user ID). As a specific example, the user terminal 10 accepts input of the telephone number or user ID of the user to whom the remittance is to be made and the remittance amount from the user U01. and user identification information for identifying the user U01 to the management device 100. FIG. Then, the management device 100 transfers the amount of electronic money indicated by the remittance amount from the account of the user U01 to the account of the user linked to the transmitted telephone number or user ID.

Here, the telephone number and user ID of the user to whom the remittance is to be made may be linked to information about the user and registered in advance in the payment application. In this case, the user terminal 10 accepts from the user U01 the specification of a user (remittance destination) registered in the payment application and the input of the remittance amount to the user, and the phone number or The user ID, the remittance amount, and the user identification information for identifying the user U01 are transmitted to the management device 100. FIG.

Also, for example, remittance using the user terminal 10 may be performed by providing the remittee user with link information for receiving the remittance amount. As a specific example, the user terminal 10 receives an input of the remittance amount from the user U01, generates link information for receiving the remittance amount, sends an e-mail containing the link information, or sends an e-mail containing the link information. Link information is provided to the terminal device used by the user of the remittance destination by posting the post information to SNS (Social Networking Service). Then, when the remittance destination user selects the link information and performs a receiving operation, the management device 100 transfers the amount of electronic money indicated by the remittance amount from the account of the user U01 to the remittance destination user's account. Let

It should be noted that the payment means and payment services described above are not limited to those for the provision of compensation for the purchase of goods or the provision of services (settlement of obligations). For example, as described above, the payment means or payment service may have functions related to remittances between accounts owned by multiple users. In other words, the payment means and payment service described above may be any service that controls transmission and reception of electronic money between accounts of any owner linked to the owner of electronic money, such as a user or a store. In other words, the settlement means and settlement service according to the embodiments are not limited to various controls for realizing exchange of electronic money (control of various inter-account remittances via electronic money, but also controls for exchange between an electronic money account and a bank account). Various types of credit processing such as control, division, processing accompanying bonus payments, and other various types of control related to the exchange of property including electronic money) can be provided in any form. good too. In addition, the various controls realized by such transaction means and transaction services may include both control related to payment and control related to remittance, or may include only one of them. That is, "transaction" is a concept that includes not only "settlement" related to electronic money, but also "remittance" of electronic money and various other processes. That is, the management device 100 may be an information processing device that realizes transaction means for controlling the exchange of electronic money between arbitrary owners.

(1-3. Outline of Embodiment)
(1-3-1. Overview of Coupon Information Settings)
Setting of coupon information according to the embodiment will be described with reference to FIG. FIG. 2 is a diagram showing an outline of setting coupon information according to the embodiment. In the following, an example will be described in which an employee U03 of the business headquarters A operates the business terminal 30 to set coupon information related to coupons that can be used at the store a supervised by the business headquarters A. The right side of FIG. 2 shows an example of a coupon information setting screen displayed on the display unit 31 of the operator terminal 30, and the left side of FIG. 2 shows the coupon information displayed on the display unit 11 of the user terminal 10. A screen example is shown.

As shown in FIG. 2, the management device 100 provides a coupon setting screen W1 as shown in FIG. The employee U03 of the company headquarters A operates the coupon setting screen W1 displayed on the display unit 31 of the company terminal 30 to set the coupon information. As will be described below, the coupon set on the coupon setting screen W1 is automatically applied in conjunction with electronic payment performed by a user (for example, user U01) who previously acquired the coupon using an identification code. Also, the coupon set on the coupon setting screen W1 provides a predetermined cash back as a privilege that can be used after the coupon is used.

The coupon setting screen W1 includes "image", "title", "detailed description", "segment setting", "release time", "coupon usage period", "number of times of use", and "application A plurality of setting items such as "Conditions", "Cashback amount", "Cashback upper limit", "Budget upper limit amount", and "Coupon usage availability" are provided.

“Image” is a setting item for receiving settings of an image to be inserted into a coupon provided from the management device 100 to the user terminal 10 . As shown in FIG. 2, the image information uploaded to the management device 100 in the "image" setting item is inserted as a cover image GZ into the display area DA1 of the coupon display screen W2 displayed on the display unit 11 of the user terminal 10. be done.

"Title" is a setting item for receiving the setting of the title described in the image inserted in the coupon information. As shown in FIG. 2, the information set in the "Title" setting item is transmitted to the management device 100 and inserted into the cover image GZ of the coupon display screen W2 displayed on the display unit 11 of the user terminal 10. be done.

"Detailed description" is a setting item for receiving the setting of the detailed description about the coupon to be inserted into the coupon information. As shown in FIG. 2, the information set in the “detailed description” setting item is transmitted to the management device 100 and inserted into the display area DA2 of the coupon display screen W2 displayed on the display unit 11 of the user terminal 10. be.

"Segment setting" is a setting item for setting attributes of users who can acquire coupons. FIG. 2 shows a user segment (user classification list) composed of a plurality of user classifications as information for setting attributes of users who can acquire coupons. The user segment shown in FIG. 2 has user divisions such as "new", "existing", "active", "inactive", and "follower". "New", "existing", "active", and "inactive" refer to the settlement of users who can use the electronic settlement service (an example of the predetermined settlement means) provided by the management device 100, as described below. This is an example of user classification that is defined in advance based on history. A “follower” is an example of a user classification defined in advance based on store tracking status of users who can use the electronic payment service provided by the management device 100, for example. It should be noted that the user categories that constitute the user segments can also be defined in advance based on the demographic attributes or psychographic attributes of users who can use the electronic payment service provided by the management device 100 .

"New" is a user classification for designating a user who has an attribute of never making a payment at a target brand (store). On the other hand, "existing" is a user classification for designating a user who has an attribute of making a payment at the target brand (store). Even users who have not made a payment at the target brand (store) before the coupon is released can be included in the "existing" user category for users who made a payment during the coupon release period. .

“Active” is a user classification for designating a user who has an attribute of making a payment at a target brand (store) within the last 30 days before coupon information is set. On the other hand, "inactive" is a user classification for designating users who have the attribute that they have not made a payment at the target brand (store) within the last 30 days before setting the coupon information.

"Follower" is a user category for designating a user having an attribute of following the store of the target brand. In addition, following is assumed, for example, when a store of the target brand is set as a favorite in the payment application, or when the SNS (Social Network Services) of the target pride is followed.

The user segment may be provided by a sub-window structure displayed in response to the operation of the "Set" button on the coupon setting screen W1, or may be provided in a format displayed from the beginning as a part of the coupon setting screen W1. may have been Also, if no user segment is selected, all user categories are set as coupon acquisition targets.

In addition, the coupon setting screen W1 can present the estimated number of users of the corresponding user segment according to the specification of the user segment in the user segment. The estimated number of users is estimated by the management device 100 based on various information such as user information and payment information.

As shown in FIG. 2, the information set in the “segment setting” setting item is transmitted to the management device 100 and inserted into the display area DA1 of the coupon display screen W2 displayed on the display unit 11 of the user terminal 10. is reflected in the cover image GZ. For example, when the user U01 of the user terminal 10 who displays the coupon display screen W2 on the display unit 11 corresponds to the user category specified in the segment setting, "target user" is displayed on the cover image GZ.

“Publication period” is a setting item for setting the publication period of the coupon. The information set in the setting item of “disclosure period” is transmitted to the management device 100 . In the example shown in FIG. 2, the information set in the setting item "Public period" is not displayed on the coupon display screen W2 displayed on the display unit 11 of the user terminal 10, but it is displayed. may

"Coupon use period" is a setting item for setting a period during which a user who has obtained a coupon can use the coupon. As shown in FIG. 2, the information set in the "coupon use period" setting item is transmitted to the management device 100, and displayed on the display unit 11 of the user terminal 10 in the display area DA1 (cover area DA1) of the coupon display screen W2. GZ) and display area DA4.

"Use count" is a setting item for setting information on the number of times the coupon can be used. As shown in FIG. 2, the information set in the setting item “number of uses” is transmitted to the management device 100 and inserted into the display area DA3 of the coupon display screen W2 displayed on the display unit 11 of the user terminal 10. be.

"Applicable conditions" is a setting item for setting monetary conditions under which the coupon is applied. As shown in FIG. 2, the information set in the “applicable condition” setting item is transmitted to the management device 100 and inserted into the display area DA3 of the coupon display screen W2 displayed on the display unit 11 of the user terminal 10. be.

“Cashback amount” is a setting item for setting the amount of cashback to be returned to the user U01 of the user terminal 10 by applying the coupon. As shown in FIG. 2, the information set in the "cashback amount" setting item is transmitted to the management device 100 and inserted into the display area DA3 of the coupon display screen W2 displayed on the display unit 11 of the user terminal 10. be done. The cashback amount can be set according to the return rate or a fixed amount. In the example shown in FIG. 2, since the return rate of the cashback amount is 30%, for example, if the settlement amount of user U01 who made settlement using the coupon is 1000 yen, for this user U01, Electronic money equivalent to 300 yen will be returned.

“Cashback upper limit” is a setting item for setting the upper limit of the cashback amount to be returned to the user U01 of the user terminal 10 by applying the coupon. As shown in FIG. 2, the information set in the setting item "cashback upper limit" is transmitted to the management device 100 and inserted into the display area DA3 of the coupon display screen W2 displayed on the display unit 11 of the user terminal 10. be done. In the example shown in FIG. 2, the upper limit of the cashback amount is 1,000 yen. Instead of 1200 yen corresponding to the return rate, electronic money equivalent to 1000 yen, which is the upper limit of cashback, is returned.

“Budget upper limit amount” is a setting item for setting a budget to be allocated to cashback resources to be returned to the user U01 of the user terminal 10 by applying the coupon. As shown in FIG. 2, the information set in the setting item of "maximum budget amount" is transmitted to the management device 100 and inserted into the display area DA3 of the coupon display screen W2 displayed on the display unit 11 of the user terminal 10. be done. In the example shown in FIG. 2, the information corresponding to the "maximum budget amount" is reflected in the display area DA4 of the coupon display screen W2.

“Coupon use permitted/disabled” is a setting item for setting whether or not use of coupons is permitted. As shown in FIG. 2 , the information set in the setting item “coupon combination availability” is transmitted to the management device 100 and inserted into the display area DA3 of the coupon display screen W2 displayed on the display unit 11 of the user terminal 10. be done.

"Campaign store setting" is a setting item for setting a store that applies a coupon in conjunction with payment and provides cashback for the payment amount. For example, the employee U03 of the business headquarters A can create a common coupon for all the stores under the control of the business headquarters A by setting the setting items of "campaign store settings". In addition, the employee U03 of the business headquarters A can also create a coupon that can be used only at one of the stores under control (for example, a store with poor sales). This enables a customized coupon strategy for each store. In addition, the employee U03 of the business headquarters A can divide the store to be managed into areas and create coupons for different user categories for each area. This makes it possible to implement a coupon strategy that matches the regional characteristics of the area where the store is located. The information set in the setting item “campaign store setting” is transmitted to the management device 100 .

The management device 100 receives coupon information settings from the employee U03 of the business headquarters A, for example, through the coupon setting screen W1 described above. The management device 100 manages coupon information received from the business terminal 30 . The management device 100 searches users of the electronic payment service for users corresponding to the user categories set in the coupon information, and provides the searched users with coupons that only the searched users can acquire. In this way, the business headquarters A, which introduces the electronic payment service, can specifically set the users to whom profits are returned according to the settlement amounts.

(1-3-2. About account authority)
The management device 100 may assign different levels of account authority for each account issued to each store when the electronic payment service is introduced. Then, the management device 100 may accept settings related to coupons within the scope of the granted account authority. For example, the account authority granted by the management device 100 includes administrator authority that permits setting of all setting items on the coupon setting screen W1, and standard authority that permits setting of some of the setting items on the coupon setting screen W1. etc. are exemplified. For example, the setting items for the "maximum budget amount" and "campaign store setting" on the coupon setting screen W1 may be set items that can be operated only by administrator authority. For example, the management device 100 notifies that administrator authority is required when an attempt is made to select a store for implementing a campaign with an account with standard authority for the setting item of "campaign store setting". , can be set to not accept. In addition, if the number of shops selected as campaign execution shops in the setting item of "Campaign shop setting" extends over a certain number or more, the setting can be made only by an account with administrator authority. For example, if an attempt is made to select more than a certain number of stores with an account with standard authority in the setting item of "campaign store setting", the management device 100 notifies that the range of account authority is exceeded. , can be set to not accept. By dividing the account authority into levels in this way, for example, it is possible to realize coupons that can be created only at the business headquarters A, coupons that can be created at each store, and the like. In addition, the range of setting values (parameters) that can be set for each setting item on the coupon setting screen W1 can be changed according to the level of account authority. For example, in the "cashback amount" setting item provided on the coupon setting screen W1 (see FIG. 2), the upper limit of the amount that can be set with administrator authority is set higher than the upper limit of the amount that can be set with standard authority. , it is possible to set the upper limit of the amount that can be set with the administrator authority higher than the upper limit of the amount that can be set with the standard authority in the setting item of "maximum cashback".

(1-3-3. Customize processing)
A payment operator that operates the above-mentioned electronic payment service provides a member store that introduces the above-mentioned electronic payment service (for example, Business Headquarters A) with a payment method for making payments using the above-mentioned electronic payment service. Provide applications (hereinafter referred to as “store apps”). This store application, as described above, is configured to be able to receive settings related to user segments for designating target persons to whom coupons are applied. The management device 100 issues coupons that can be obtained only by users U01 who match a specific user category, according to the user segment settings made by the member store. In this way, the member store can specifically set a user (for example, user U01 shown in FIG. 1) to whom the privilege is granted.

By the way, the above-mentioned electronic payment service is a general-purpose service regardless of the business type or business type of the affiliated store. For this reason, it may not be possible to say that the store application described above provides functions that are in line with the actual situation of the type of business or business type of the affiliated store. For example, which user segment a certain user is classified into may differ greatly depending on the type of industry/business category. To give a specific example, in a business type or business category in which loyal users visit (settlements) relatively frequently, such as restaurants, it is possible to set relatively short visit (settlement) intervals corresponding to loyal users. desired. On the other hand, in industries and business categories where even loyal users visit stores (settlements) relatively infrequently, such as car dealers, it is possible to set relatively long visit (settlement) intervals for loyal users. desired.

For this reason, there is room for improvement in the functions provided to member stores by the store application described above. In other words, there is a demand for a function for customizing detailed criteria (determining criteria for target users) regarding user categories in accordance with the actual circumstances of the type of business and business conditions of member stores. So, below, the customization process which concerns on embodiment is demonstrated. In the following description, the customization process is realized through a function installed in the store application by the employee U03 of the business headquarters A, which is a member store.

In the following description, the business operator terminal 30 may be identified with the employee U03. That is, in the following description, the employee U03 can be read as the business operator terminal 30 as well.

3 to 5 are diagrams showing an example of customization processing according to the embodiment. In the user segment area of the coupon setting screen W1 shown in FIG. 3, a standard setting button B-1 is displayed for setting detailed standards for each user category of the user segment. Further, the standard setting screen W3 shown in FIGS. 3 to 5 includes, for example, a setting item R-1 for setting the payment interval, a setting item R-2 for setting the usage amount, and a setting item R-2 for setting the attribute. and a setting item R-3.

Also, each of the setting items R-1 to R-3 has a slide bar (also called a "slider") BR for inputting a setting value and a specified value display box BX. Further, the setting item R-3 is provided with a radio button B-2 for alternatively setting the gender of the user. When the reference setting button B-1 is operated, among the setting items R-1 to R3 of the reference setting screen W3 shown in FIGS. 3 to 5, in the user segment area of the coupon setting screen W1, The setting items corresponding to the user category designated by the setter (e.g., employee U03) are displayed in a state in which detailed criteria setting operation for the user category can be accepted.

In addition, the "payment interval" set in the setting item R-1 is a detailed criterion for the user classification: "active" or "non-active", and the target person corresponding to "active" or "non-active" is an example of a period for freely customizing. That is, the setting item R-1 is displayed in a configurable state when the user classification: "active" or "non-active" is selected.

In addition, the "usage amount" set in the setting item R-2 is used as an additional detailed criterion for the user classification: "active" or "non-active", and the target person corresponding to "active" or "non-active" is This is an example of the usage amount for free customization by the member store. That is, the setting item R-2 is displayed in a configurable state when the user classification: "active" or "non-active" is selected.

In addition, the attribute set in the setting item R-3, as an additional detailed criterion for user classification: "active" or "non-active", each member store An example of user demographic or psychographic attributes for customization at will. That is, the setting item R-3 is displayed in a configurable state when the user classification: "active" or "non-active" is selected.

The reference setting screen W3 shown in FIGS. 3 to 5 is also provided with an OK button B-3, a cancel button B-4, and a help button B-5. The decision button B-3 is a button for finalizing the detailed criteria regarding the user classification set on the criteria setting screen W3 and completing the setting of the detailed criteria. The cancel button B-4 is a button for canceling the setting of the detailed criteria regarding the user classification on the criteria setting screen W3 and returning to the coupon setting screen W1. The help button B-5 is a button for displaying tutorial information and the like for presenting the setting person with the operating method of the reference setting screen W3.

The design of the reference setting screen W3 is not particularly limited to the examples shown in FIGS. 3 to 5, and can be configured in any design as long as the information processing according to the embodiment can be realized.

Hereinafter, setting examples of detailed criteria regarding user classification will be described with reference to FIGS. 3 to 5. FIG. 3 to 5 exemplify the case where the setter (e.g., employee U03) selects "active" as the user category.

FIGS. 3 to 5 show the criteria setting displayed on the display unit 31 in response to the operation of the criteria setting button B-1 after the setting person (e.g., employee U03) selects the user category: "active". Screen W3 is illustrated. In the example shown in FIG. 3, all of the setting items R-1 to R-3 are displayed in a state in which setting of detailed criteria regarding user classification: "active" can be accepted.

Also, the "payment interval" in the setting item R-1 is, for example, the most recent period before the coupon information is set, and means the interval between payments made by the user at the target brand (store). As a specific example, when the payment interval is set to "7 days" in the setting item R-1 of the standard setting screen W3 shown in FIG. information is transmitted to the management device 100 . In this case, the management device 100 classifies users who have made a payment within the last 7 days before coupon setting at a target brand (store) corresponding to the setter (member store) into the "active" user category. It is judged to be the user.

Also, the "amount used" in the setting item R-2 means, for example, the range of the price range of the amount paid by the user at the target brand (store) during a predetermined period before setting the coupon information. As a specific example, in the setting item R-2 of the standard setting screen W3 shown in FIG. When the decision button B-3 is operated, detailed criteria information regarding the user classification is transmitted to the management device 100. FIG. In this case, the management device 100 determines that among the users who have made a payment within the last seven days before setting the coupon at the target brand (store) corresponding to the setter (member store), the average usage amount in a predetermined period is A user in the price range of "1,200 yen to 1,500 yen" is determined to be a user corresponding to the "active" user category. Note that the management device 100 does not limit the average usage amount, and the user whose maximum amount or minimum amount in a predetermined period is within the price range set in the setting item R-2 is classified as an “active” user category. It may be determined that

Further, the "attribute" in the setting item R-3 means, for example, the attribute of the user who made payment at the target brand (store) during the predetermined period before setting the coupon information. As a specific example, after the age is set to "33 years old" and the gender is set to "female" in the setting item R-3 of the standard setting screen W3 shown in FIG. 5, the decision button B-3 is operated. If so, detailed criteria information regarding the user classification is sent to the management device 100 . In this case, the management device 100 determines that among the users who have made a payment within the last 7 days before setting the coupon at the target brand (store) corresponding to the setter (member store), the age is "33". Also, a user whose gender is "female" is determined to be a user who falls under the "active" user category.

In addition, if the information on the detailed criteria related to the user classification includes the setting information (see FIG. 4) related to the “usage amount”, the management device 100 allows the target brand (store) corresponding to the setter (member store) to Among users who have made a payment within the last 7 days and whose average usage amount in a predetermined period is in the range of "1,200 yen to 1,500 yen", the age is "33 years old" Also, a user whose gender is "female" is determined to be a user who falls under the "active" user category.

Note that the age set in the setting item R-3 does not have to be pinpointed, and may be configured so that the age range or an arbitrary age range can be set. The "attribute" in the setting item R-3 may function as a supplementary criterion based on the setting of the "payment interval" in the setting item R-1 and the "usage amount" in the setting item R-2. good.

According to the examples shown in FIGS. 3 to 5, the target person who falls under the user category “active” has made a payment within the last 7 days before setting the coupon, and has made a payment at the target brand (store) A user whose average usage amount in the period is in the price range of “1,200 yen to 1,500 yen”, whose age is “33 years old” and whose gender is “female”. In this way, the management device 100 can provide a function for each member store to freely customize detailed criteria regarding user segments through the criteria setting screen W3 shown in FIGS.

In addition, when accepting the setting of detailed criteria for user classification, the management device 100 sets reference information corresponding to the user classification specified by the setter (e.g., employee U03) based on the setter's industry (business type). Presented item by item. For example, if the type of business of the setter (member store) is food retail, the management device 100 can present reference information based on detailed criteria set by other member stores whose business type is food retail. . The reference information is information presented for the purpose of functioning as proposal information for assisting setting of detailed criteria for user classification.

As a specific example, on the standard setting screen W3 shown in FIG. Purchased every 7 days on average." is presented. In addition, on the standard setting screen W3 shown in FIG. 4, as the reference information J-2 related to the "usage amount" corresponding to the user category designated by the setter: "active", "the average usage amount of loyal customers of food retailers is 1,200 yen to 1,500 yen." is presented. In addition, on the standard setting screen W3 shown in FIG. 5, as the reference information J-3 regarding the "attribute" corresponding to the user category designated by the setter: "active", "Royal customers of food retailers are in their early thirties I'm a woman." is presented. By referring to these pieces of information, the setter can set detailed criteria for user classification.

Note that the management device 100 can present the reference information J1 to J3 to the setter at any timing. For example, the management device 100 may present the reference setting screen W3 from the beginning at the timing of displaying the reference setting screen W3, may present it in conjunction with the setting operation of the configurator, or may present it in response to the request of the configurator. may

Further, the detailed criteria regarding the user classification set on the criteria setting screen W3 are not limited to the case where the user classification: "active" or "non-active" is designated, and the user classification other than "active" or "non-active" is specified. May be used as detailed criteria when specified. FIG. 6 is a diagram illustrating another example of customization processing according to the embodiment.

FIG. 6 shows a reference setting screen W3 that is displayed on the display unit 31 in response to the operation of the reference setting button B-1 after the setting person (e.g., employee U03) designates the user category: "new". exemplified. In the example shown in FIG. 6, among the setting items R-1 to R-3, only the "attribute" in the setting item R-3 is a setting item that can accept the setting of the detailed criteria regarding the user classification: "new". is displayed as It is assumed that the decision button B-3 is operated after the age is set to "40" and the gender is set to "male" in the setting item R-3 of the reference setting screen W3 shown in FIG. In this case, the management device 100 selects users whose age is “40” and whose gender is “male” among the users who have never made a payment at the target brand (store) corresponding to the setter (member store). to the "new" user category. Note that the age set in the setting item R-3 does not have to be pinpointed, and may be configured so that the age range or an arbitrary age range can be set. In addition, for example, when user classification: "existing" is specified, appropriate details corresponding to the designated user classification, such as configuring to be able to accept the setting of detailed criteria regarding "usage amount" in setting item R-2 Criteria can be configured to be configurable.

[2. System configuration example]
A configuration example of the information processing system 1 according to the embodiment will be described below. FIG. 7 is a diagram illustrating a configuration example of an information processing system according to the embodiment; As shown in FIG. 7 , the information processing system 1 has a user terminal 10 , a store terminal 20 , a business operator terminal 30 and a management device 100 .

Also, the user terminal 10, the store terminal 20, the business terminal 30, and the management device 100 are connected to the network N by wire or wirelessly. For example, the user terminal 10 and the management device 100 can communicate with each other via the network N. Also, the store terminal 20 and the management device 100 can communicate with each other via the network N. FIG. Also, the business terminal 30 and the management device 100 can communicate with each other via the network N. FIG.

The network N is a communication network such as a LAN (Local Area Network), a WAN (Wide Area Network), a telephone network (mobile telephone network, fixed telephone network, etc.), a local IP (Internet Protocol) network, or the Internet. The network N may include wired networks or wireless networks. The information processing system 1 shown in FIG. 7 may have more user terminals 10, store terminals 20, business operator terminals 30, and management devices 100 than the example shown in FIG.

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

Also, the user terminal 10 acquires an application program or the like for using the electronic payment service provided by the management device 100 . The user U01 of the user terminal 10 can realize payment using the electronic payment service provided by the management device 100 using the user terminal 10 by activating the application program described above. In addition, the user terminal 10 displays a website related to coupons provided by the management device 100 on the display unit 11 in accordance with the user's operation. Also, the user terminal 10 acquires coupons according to user operations on the coupon display screen W2 (see FIG. 2) that can be viewed on the aforementioned website. The user terminal 10 associates the coupon ID that identifies the acquired coupon with the user ID and registers them in the management device 100 . Of the coupon information distributed to the user U01, the coupon information that the user U01 is interested in is registered in the management device 100. FIG. Coupon information acquired by the user terminal 10 may be delivered by push notification or may be delivered by pull notification.

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

The store terminal 20 calculates the settlement amount by reading the barcode of the product purchased by the user U01. In addition, the store terminal 20 can acquire information about the user ID and payment method by reading the bar code or QR code (registered trademark) displayed on the user terminal 10 . The shop terminal 20 transmits to the management device 100 payment information in which the user ID, the shop ID, and the payment amount are associated with each other. Note that the store terminal 20 can also transmit product information to the management device 100 based on the bar code of the product.

The business operator terminal 30 is an information processing device used by an employee U03 of the business operator headquarters A of the company that supervises the store a that introduces the payment processing system managed by the management device 100 . The business terminal 30 is typically a notebook PC (Personal Computer) or a desktop PC.

Further, the operator terminal 30 accesses the management device 100 according to the operation of the employee U03 who is the user of the operator terminal 30 . In such a case, the employee U03 who is the user of the operator terminal 30 uses the account issued by the management device 100 to log in to the website regarding the electronic payment service provided by the management device 100. FIG. The operator terminal 30 displays a coupon setting screen W1 (see FIG. 2) that can be viewed on the website on the display unit 31 according to the operation of the employee U03 on the website. The business terminal 30 also transmits the coupon information set on the coupon setting screen W1 to the management device 100 .

The management device 100 is an information processing device that provides an electronic payment service related to electronic payment using the user terminal 10 . The electronic payment service provided by the management device 100 is implemented by, for example, an application program or the like that the user U01 of the user terminal 10 can use using the user terminal 10 . The management device 100 is typically a server device, a cloud system, or the like. The management device 100 realizes various settlements according to a decision request received from the user terminal 10, for example.

In addition, the management device 100 executes a login process to a website related to electronic payment services in response to a login request from an employee U03 who is a user of the operator terminal 30. FIG. In addition, the management device 100 provides the employee U03 who is the user of the business operator terminal 30 with the coupon setting screen W1 through the aforementioned website. In addition, the management device 100 manages the coupon information received from the operator terminal 30 through the coupon setting screen W1 in association with the store ID that is individually assigned to the store that introduces the electronic payment service. Moreover, the management apparatus 100 provides a coupon to the user U01 of the user terminal 10 based on the coupon information.

[3. Device configuration example]
The configuration of the management device 100 according to the embodiment will be described below. FIG. 8 is a block diagram illustrating a configuration example of a management device according to the embodiment;

As shown in FIG. 8, the management device 100 has a communication section 110, a storage section 120, and a control section .

(Regarding communication unit 110)
The communication unit 110 is connected to the network N by wire or wirelessly. The communication unit 110 transmits and receives information to and from the user terminal 10 , the store terminal 20 , and the business terminal 30 via the network N. The communication unit 110 is realized by, for example, a NIC (Network Interface Card) or the like.

(Regarding storage unit 120)
The storage unit 120 stores programs and data used for control and calculation by the control unit 130 . The storage unit 120 is realized by, for example, a semiconductor memory 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. 8, the storage unit 120 has a user information storage unit 121, a shop information storage unit 122, a coupon information storage unit 123, a payment information storage unit 124, and an account information storage unit 125.

(Regarding the user information storage unit 121)
The user information storage unit 121 stores user information about users who use services provided by the management device 100 . FIG. 9 is a diagram showing an overview of user information according to the embodiment.

As shown in FIG. 9, the user information stored in the user information storage unit 121 includes "user ID", "name", "gender", "age", "address", and "acquired coupon ID". , and these items are associated with each other.

The “user ID” item stores identification information unique to each user that is individually given to each user who uses the electronic payment service provided by the management device 100 . The item “name” stores information on the names of users who use services provided by the management device 100 .

In addition, the “gender” item stores information on the gender of the user who uses the service provided by the management device 100 . The “age” item stores age information of users who use services provided by the management device 100 .

The item “address” stores information on the address of the user who uses the service provided by the management device 100 . In addition, the item “acquired coupon ID” stores identification information unique to each coupon individually assigned to the coupon acquired by the user who uses the service provided by the management device 100 .

(Regarding store information storage unit 122)
The store information storage unit 122 stores store information regarding stores that introduce the electronic payment service provided by the management device 100 . FIG. 10 is a diagram illustrating an overview of store information according to the embodiment;

As shown in FIG. 10, the store information stored in the store information storage unit 122 has a plurality of items such as "store ID", "name", "address", and "account authority". items are associated with each other.

The item "store ID" stores identification information unique to each store that is individually assigned to the store that introduces the electronic payment service. The "name" item stores information on the name of the store that introduces the electronic payment service. The "address" item stores information on the location of the store that introduces the electronic payment service.

The "account authority" item stores information on account authority granted to an account issued to the store when the electronic payment service is introduced. The account authority includes administrator authority that permits setting of all setting items on the coupon setting screen W1 (see FIG. 2), standard authority that permits setting of some of the setting items on the coupon setting screen W1, and the like. exemplified.

(Regarding coupon information storage unit 123)
The coupon information storage unit 123 stores coupon information set by the store that introduces the electronic payment service. FIG. 11 is a diagram showing an overview of coupon information according to the embodiment.

As shown in FIG. 11, the coupon information stored in the coupon information storage unit 123 corresponds to each setting item set by the coupon setting screen W1 (see FIG. 2) and the standard setting screen W3 (see FIGS. 3 to 5). It has a plurality of corresponding items, and these items are associated with each other.

The item "store ID" stores identification information unique to each store that is individually assigned to the store that introduces the electronic payment service. The item "coupon ID" stores identification information individually assigned to coupons issued based on the coupon information set on the coupon setting screen W1.

The item “image file” stores information about an image to be inserted into the coupon information about the coupon provided from the management device 100 to the user terminal 10 . Examples of the “image file” item include an image file name and a file path number indicating the storage location of the image file.

The item "title" stores the information of the title described in the image inserted in the coupon information. Further, the item "detailed description" stores detailed description information about the coupon inserted in the coupon information described above.

In addition, the "segment" item stores information (user classification) on attributes of users who can acquire coupons. For example, the item "segment" is specified as an attribute of a user who can acquire a coupon from a user segment (user classification list) composed of a plurality of user classifications defined in advance based on predetermined conditions. Stores user classification information.

Note that the item "segment" does not have to be particularly limited to the example of storing the user classification specified from among the user segments. For example, it may be set based on demographic attributes, psychographic attributes, and attributes based on action history in various services.

In addition, the item "detailed criteria" stores information on detailed criteria relating to user categories. The information on the detailed criteria stored in the item "detailed criteria" includes the period for customizing the target person corresponding to the predetermined user category, and the usage amount for customizing the target person corresponding to the predetermined user category. and information such as user demographic or psychographic attributes for customizing subjects that fall within a given user segment. According to the example of FIG. 11, the user classification: "active" is specified for the target person to whom the coupon with the coupon ID: "KPB201" issued at the store identified by the store ID: "SA" is applied. . In addition, as a detailed standard of "active", the payment interval is set to "7 days".

In addition, information on the publication period of the coupon is stored in the item of "publication period". In addition, the item of "use period" stores information about the use period of the coupon. Further, information indicating the number of times the coupon can be used is stored in the item "number of times of use". In addition, the item "application condition" stores information on the application condition of the coupon. Coupon application conditions include, for example, payment amount conditions to which coupons are applied.

In addition, the item "CB amount" indicates that the user who is the party to the payment when the electronic payment service provided by the management device 100 is used to make the payment is based on the coupon that the user has acquired. Information relating to electronic money to be cashed back to the user is stored. Examples of the information stored in the "CB amount" item include the return rate for the settlement amount, information on the return amount, and the like.

In addition, the item "CB limit" indicates that the user who is the party to the payment is a party to the payment based on the acquired coupon when the electronic payment service provided by the management device 100 is used to make the payment. Stores information on the upper limit of electronic money that can be cashed back to the user.

In addition, the "budget condition" item stores information on the budget to be allocated as cashback resources to be returned to the user U01 of the user terminal 10 by applying the coupon. In addition, the item "Coupon combination" stores information on whether or not to allow the combination of coupons. The item "campaign store" stores information on stores that offer cash back by applying coupons.

(Regarding payment information storage unit 124)
The payment information storage unit 124 stores payment information made using the electronic payment service. FIG. 12 is a diagram showing an overview of payment information according to the embodiment.

As shown in FIG. 12, the payment information stored in the payment information storage unit 124 includes "user ID", "store ID", "merchandise ID", "payment amount", "payment date and time", It has a plurality of items such as "settlement number", "applicable coupon ID", and "CB planned amount", and these items are associated with each other.

The "user ID" and "store ID" items include the "user ID" and "store ID" items stored in the above-described user information storage unit 121, store information storage unit 122, and coupon information storage unit 123. is stored.

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

The "applied coupon ID" stores the coupon ID of the coupon automatically applied in conjunction with the corresponding payment processing. In addition, the item "CB Planned Amount" stores information on the expected amount of electronic money to be cashed back based on the coupon.

(Regarding the account information storage unit 125)
The account information storage unit 125 stores account information of users who use the electronic payment service provided by the management device 100 . Users who use the electronic payment service include users who use the electronic payment service to pay for products, and stores who introduce the electronic payment service and accept payments for products. FIG. 13 is a diagram showing an overview of account information according to the embodiment.

As shown in FIG. 13, the account information stored in the account information storage unit 125 has a plurality of items such as "user ID/store ID", "account number", and "electronic money balance". items are associated with each other.

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

"Account number" stores information on an account number unique to each user that is individually assigned to each user who uses the electronic payment service. The item "electronic money balance" stores information on the balance of electronic money deposited in the account.

(Regarding the control unit 130)
The control unit 130 is a controller that controls the management device 100 and performs calculations. The control unit 130 is realized by executing various programs stored in a storage device inside the management apparatus 100 using a RAM as a work area, for example, by a CPU (Central Processing Unit), MPU (Micro Processing Unit), or the like. be. Also, the control unit 130 is implemented by an integrated circuit such as an ASIC (Application Specific Integrated Circuit) or an FPGA (Field Programmable Gate Array).

As shown in FIG. 8 , the control unit 130 has a reception unit 131 , a provision unit 132 and a payment processing unit 133 .

(Regarding the reception unit 131)
The reception unit 131 receives attribute information of users who can acquire coupons. Specifically, the reception unit 131 permits access to a website related to the electronic payment service to the store (for example, the operator terminal 30) that introduces the electronic payment service provided by the management device 100. FIG. In addition, the reception unit 131 permits access to the coupon setting screen W1 (see FIG. 2) through the aforementioned website. In addition, the reception unit 131 designates a user category to be set as an attribute of a user who can obtain a coupon from the store that requested the setting of the coupon information through the setting item of "segment setting" provided on the coupon setting screen W1. accept.

In addition, the reception unit 131 presents the estimated number of users belonging to the user category specified in the setting item of “segment setting” provided on the coupon setting screen W1 (see FIG. 2).

Further, the reception unit 131 receives setting of a cover image to be inserted into the coupon through the setting item of "image" provided on the coupon setting screen W1 (see FIG. 2). In addition, the reception unit 131 receives the setting of the store (campaign store) where the coupon can be used through the setting item of "campaign store setting" provided on the coupon setting screen W1 (see FIG. 2). As a result, companies that introduce electronic payment services can create coupons that are common to all stores, or create coupons that can be used only at stores with poor sales, for example.

Further, the receiving unit 131 receives setting of coupon information on the coupon setting screen W1 within the range of account authority granted to the store that requested setting of the coupon information. For example, the account authority is divided into levels such as administrator authority that permits setting of all setting items on the coupon setting screen W1 and standard authority that permits setting of some of the setting items on the coupon setting screen W1. . In addition, the reception unit 131 changes the range of parameters that can be input when setting coupon information regarding coupons according to the level of account authority. As a result, for example, in the "cashback amount" setting item provided on the coupon setting screen W1 (see FIG. 2), the upper limit of the amount that can be set with administrator authority is set higher than the upper limit of the amount that can be set with standard authority. Or, in the setting item of "maximum cashback", the upper limit of the amount that can be set with administrator authority can be set higher than the upper limit of the amount that can be set with standard authority.

The reception unit 131 also assigns a coupon ID for identifying the coupon information to the coupon information set on the coupon setting screen W1. Then, the providing unit 132 registers the coupon information including the issued coupon ID in the storage unit 120 (coupon information storage unit 123) in association with the store ID that is the source of the coupon information setting request.

In addition, the reception unit 131 uses the coupon setting screen W1 (see FIG. 2) for coupons to be immediately applied in electronic payment to specify the above-mentioned users to whom the coupon is applied among the users who can use the electronic payment. , and the setting of detailed criteria for the user classification.

For example, the receiving unit 131 provides the setting person with a criteria setting screen W3 (see FIGS. 3 to 6) for receiving the setting of detailed criteria for user classification. Then, the receiving unit 131 receives setting of a period for customizing a target person who corresponds to a predetermined user classification as a detailed criterion regarding the user classification. Further, for example, the reception unit 131 receives setting of a usage fee for customizing a target person corresponding to a predetermined user classification as a detailed criterion regarding the user classification. In addition, for example, the reception unit 131 receives, as detailed criteria regarding user classification, settings of user demographic attributes or psychographic attributes for customizing subjects corresponding to a predetermined user classification.

The reception unit 131 temporarily registers the detailed criteria information received on the criteria setting screen W3 in association with the user category specified in the user segment on the coupon setting screen W1. When the setting of the coupon information on the coupon setting screen W1 is completed, the reception unit 131 registers information on detailed criteria in the coupon information storage unit 123 in association with the user classification.

In addition, when accepting the setting of detailed criteria for user categories, the accepting unit 131 presents reference information corresponding to the user categories specified by the configurator based on the type of industry of the configurator. For example, the reception unit 131 presents reference information based on the setting information of another configurator whose business type is the same as that of the configurator. Specifically, when the type of industry of the setter (member store) is restaurant retail, the reception unit 131 receives the reference information based on the setting information of other member stores whose industry is restaurant retail among the member stores. can present.

(Regarding the providing unit 132)
The providing unit 132 provides coupons that can be acquired only by users having attributes indicated by the attribute information received by the receiving unit 131 . Specifically, when there is coupon information corresponding to the publication time, the providing unit 132 acquires user segment information (for example, specified user classification and detailed criteria) set in the corresponding coupon information. The providing unit 132 searches users of the electronic payment service for users corresponding to the acquired user segment information. The providing unit 132, for example, refers to the user information stored in the user information storage unit 121, the payment information stored in the payment information storage unit 124, and the like, and searches for the user corresponding to the specified user category. do. Then, the providing unit 132 issues a coupon to the searched user based on the coupon information corresponding to the publication time.

(Regarding the payment processing unit 133)
The payment processing unit 133 executes payment processing based on payment information included in the payment request. Specifically, upon receiving a payment request from the user terminal 10, the payment processing unit 133 selects the user information stored in the user information storage unit 121 based on the user ID and store ID included in the payment information. Select the coupon information applicable to the payment amount from . Then, the settlement processing unit 133 calculates the settlement amount based on the selected coupon information. Then, the payment processing unit 133 transfers the amount of electronic money indicated by the settlement amount from the account associated with the user ID included in the payment information to the account associated with the store ID included in the payment information, and the payment is completed. A notification to that effect is transmitted to the user terminal 10 .

[4. Processing procedure]
Processing procedures of the management device 100 according to the embodiment will be described below with reference to FIGS. 14 to 17. FIG. 14 to 17 are flowcharts showing an example of the processing procedure of the management device according to the embodiment. Note that the processing procedure described below is repeatedly executed by the control unit 130 of the management device 100 .

(4-1. Coupon information registration process)
First, an example of a processing procedure of coupon information registration processing by the management device 100 will be described with reference to FIG. 14 . As shown in FIG. 14, the reception unit 131 permits access to the coupon setting screen W1 through the website provided to the store that introduces the electronic payment service (for example, the business terminal 30) (step S101).

Subsequently, the accepting unit 131 accepts setting of coupon information on the coupon setting screen W1 within the scope of the account authority of the account issued to the coupon information setting request source (step S102).

Subsequently, the reception unit 131 determines whether setting of coupon information is completed (step S103). The reception unit 131 determines that the setting of the coupon information is completed (step S103, Yes), and gives a coupon ID for identifying the coupon information (step 104).

Then, the reception unit 131 registers the coupon information including the coupon ID in the storage unit 120 (coupon information storage unit 123) in association with the store ID that is the source of the coupon information setting request (Step S105). Terminate the processing procedure shown.

(4-2. Coupon information provision processing)
Next, an example of a processing procedure of coupon information provision processing by the management device 100 will be described with reference to FIG. 15 . As shown in FIG. 15, the provision unit 132 searches for coupon information registered in the coupon information storage unit 123, and determines whether or not there is coupon information corresponding to the publication time in the registered coupon information ( step S201).

When the providing unit 132 determines that there is no coupon information corresponding to the publication time (step S201; No), the processing procedure shown in FIG. 15 is terminated.

On the other hand, when the provision unit 132 determines that there is coupon information corresponding to the publication time (step S201; Yes), the user corresponding to the user corresponding to the user segment set in the coupon information corresponding to the publication time Search (step S202). For example, the providing unit 132 refers to the user information stored in the user information storage unit 121, the payment information stored in the payment information storage unit 124, and the like, and refers to the user category set in the coupon information segment. Search for users who

Then, the providing unit 132 issues a coupon based on the corresponding coupon information to the searched user (step S203), and ends the processing procedure shown in FIG.

(4-3. Payment processing)
Next, with reference to FIG. 16, an example of a processing procedure of settlement processing by the management device 100 will be described. An example in which a payment request is acquired from the user terminal 10 will be described below.

As shown in FIG. 16, upon receiving a payment request from the user terminal 10, the payment processing unit 133 selects coupon information applicable to the payment amount based on the payment information included in the payment request (step S301).

The settlement processing unit 133 calculates the settlement amount based on the selected coupon information (step 302). Then, the settlement processing unit 133 executes settlement processing based on the calculated settlement amount (step S303).

After completing the payment, the payment processing unit 133 transmits a payment completion notification to the user terminal 10 (step S304), and ends the processing procedure shown in FIG.

(4-4. Detailed criteria setting process)
Next, an example of detailed criteria setting processing executed by the management device 100 will be described with reference to FIG. 17 . The detailed criteria setting process can be executed in the coupon information registration process described above.

As shown in FIG. 17, the reception unit 131 receives a request for setting detailed criteria for user classification (step S401). For example, a request for setting detailed criteria for user classification is sent by operating the criteria setting button B-1 provided in the user segment area of the coupon setting screen W1.

In addition, the reception unit 131 provides the criteria setting screen W3 to the requester (e.g., employee U03) requesting the setting of detailed criteria for user classification (step S402). At this time, the receiving unit 131 displays appropriate setting items corresponding to the user classification specified in the user segment area in a state in which a setting operation of detailed criteria regarding the user classification can be received.

Further, the reception unit 131 presents reference information corresponding to the user classification for each setting item on the standard setting screen W3 (step S403). For example, the reception unit 131 presents reference information based on detailed criteria set by another member store whose business type is the same as that of the setter.

In addition, the receiving unit 131 determines whether or not setting of detailed criteria regarding user classification is completed (step S404). Specifically, the reception unit 131 determines whether or not the decision button B-3 provided on the standard setting screen W3 has been operated.

If the reception unit 131 determines that the setting of the detailed criteria for the user segment has been completed (step S404; Yes), the details set by the setter are associated with the user segment specified in the user segment area. The reference information is provisionally registered (step S405).

Then, the receiving unit 131 displays the coupon setting screen W1 to the request source of the detailed criteria setting request for the user classification (step S406), and ends the processing procedure shown in FIG.

In step S404 described above, when the receiving unit 131 determines that the setting of the detailed criteria regarding the user classification is not completed (step S404; No), it determines whether or not to cancel the setting of the detailed criteria regarding the user classification ( step S407). Specifically, the reception unit 131 determines whether or not the cancel button B-4 provided on the standard setting screen W3 has been operated.

If the reception unit 131 determines to cancel the setting of the detailed criteria regarding the user classification (step S407; Yes), the process proceeds to the above-described step S406. Display the screen W1.

On the other hand, if the reception unit 131 determines not to cancel the setting of the detailed criteria regarding the user classification (step S407; No), it returns to the processing procedure of the above-described step S404, and determines whether the setting of the detailed criteria regarding the user classification has been completed. continue the judgment.
[5. Modification]
The above-described embodiment is an example, and various modifications and applications are possible. For example, in the above-described embodiment, the management device 100 assigns, at a predetermined timing, a follower (e.g., user U01) of a store (e.g., store a) that introduces an electronic payment service to a user group capable of acquiring coupons. (attribute of the user), or that the user is eligible to obtain the coupon being issued.

Further, when a coupon is posted by a store that introduces an electronic payment service (for example, store a), the management device 100 notifies the followers of the store that posted the coupon that the coupon has been posted. Notifications may be delivered automatically.

Further, among the processes described in the above embodiments, all or part of the processes described as being performed automatically can also be performed manually. All or part of the processing can also be performed automatically by known methods. In addition, information including processing procedures, specific names, various data and parameters shown in the above documents 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.

[6. Hardware configuration]
Also, the management device 100 according to the above-described embodiments and modifications is implemented by, for example, a computer 1000 configured as shown in FIG. The management device 100 will be described below as an example. 18 is a hardware configuration diagram illustrating an example of a computer that implements the functions of the management apparatus according to the embodiment; FIG. 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 management device 100 , the CPU 1100 of the computer 1000 implements the functions of the control unit 130 by executing programs loaded on the RAM 1300 . Further, each data in the storage device of the management device 100 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. effect〕
As described above, the management device 100 according to the embodiment uses a setting screen for coupons to be immediately applied in electronic payment to designate users to whom coupons are applied among users who can use electronic payment. It has a receiving unit 131 that receives setting of user categories and detailed criteria related to user categories.

Accordingly, the management device 100 according to the embodiment can provide a function for each member store to freely customize detailed criteria regarding user classification. As a result, the management device 100 can improve the convenience of stores that introduce an electronic payment service capable of providing users with benefits based on coupons.

In addition, in the management device 100 according to the embodiment, the reception unit 131 receives setting of a period for customizing a target person corresponding to a predetermined user category as a detailed criterion.

In addition, in the management device 100 according to the embodiment, the reception unit 131 receives, as a detailed criterion, setting of a usage fee for customizing a target person corresponding to a predetermined user classification.

In addition, in the management device 100 according to the embodiment, the reception unit 131 receives, as detailed criteria, setting of a user's demographic attribute or psychographic attribute for customizing a target person corresponding to a predetermined user classification.

As a result, the management device 100 according to the embodiment can provide member stores with a mechanism for setting user categories that are in line with the actual situation of the type of industry and business through a plurality of setting items for customizing detailed criteria regarding user categories. .

Further, in the management apparatus 100 according to the embodiment, when receiving the setting of the detailed criteria related to the user classification, the reception unit 131 stores the reference information corresponding to the user classification specified by the setter as the setting items based on the type of industry of the setter. presented for each

In addition, in the management device 100 according to the embodiment, the reception unit 131 presents reference information based on detailed criteria set by another member store whose business type is the same as that of the setter.

As a result, the management device 100 according to the embodiment can provide reference information for setting detailed criteria regarding user classification to member stores that set detailed criteria.

It should be noted that the effects described in this specification are merely descriptive or exemplary, and are not limiting. In other words, the technology of the present disclosure can produce other effects that are obvious to those skilled in the art from the description of this specification in addition to or instead of the above effects.

[8. 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 management apparatus 100 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 control unit can be read as control means or a control circuit.

1 information processing system 10 user terminal 20 store terminal 100 management device 110 communication unit 120 storage unit 121 user information storage unit 122 store information storage unit 123 coupon information storage unit 124 payment information storage unit 125 account information storage unit 130 control unit 131 reception unit 132 providing unit 133 payment processing unit

Claims (8)

Through the setting screen of coupons that are immediately applied in electronic payment, the user classification for specifying the target person to whom the coupon is applied among the users who can use the electronic payment, and the setting of detailed criteria related to the user classification A management device characterized by having a receiving unit for receiving. The reception unit
2. The management apparatus according to claim 1, wherein, as said detailed criteria, a setting of a period for customizing a target person corresponding to a predetermined user category is accepted. The reception unit
3. The management apparatus according to claim 1 or 2, wherein, as the detailed criteria, setting of a usage fee for customizing a target person corresponding to a predetermined user category is accepted. The reception unit
4. The method according to any one of claims 1 to 3, wherein, as the detailed criteria, settings of user demographic attributes or psychographic attributes for customizing subjects corresponding to predetermined user categories are accepted. management device. The reception unit
5. The method according to any one of claims 1 to 4, wherein when accepting the setting of the detailed criteria, the reference information corresponding to the user category specified by the setter is presented for each setting item based on the type of industry of the setter. management device as described in 1. The reception unit
6. The management device according to claim 5, wherein the reference information based on the detailed criteria set by another member store whose business type is the same as that of the setter is presented. the computer
Through the setting screen of coupons that are immediately applied in electronic payment, the user classification for specifying the target person to whom the coupon is applied among the users who can use the electronic payment, and the setting of detailed criteria related to the user classification A management method characterized by executing a receiving process for receiving. to the computer,
Through the setting screen of coupons that are immediately applied in electronic payment, the user classification for specifying the target person to whom the coupon is applied among the users who can use the electronic payment, and the setting of detailed criteria related to the user classification A management program characterized by executing a reception procedure for receiving.

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