JP2023128452A - Information processor and information processing method - Google Patents

Abstract

To provide an information processor and method for promoting sales in a store or a service to which a stamp is not applied.SOLUTION: A settlement processor 1 includes: a settlement request receiving section 132 that receives a user ID, a store ID indicating a first store, a settlement request corresponding to settlement related to the use of a first service, from a store terminal used in the first store providing the first service or a user terminal; a settlement processing section 133 that performs the settlement on the basis of the received user ID; a stamp application section 135 that applies a stamp to a user, when the settlement is performed and a use history for a second service of the user associated with the received user ID satisfies a use condition of the second service as a condition for applying a stamp corresponding to the first store associated with the received store ID to the user; and a privilege granting section 136 that grants a privilege corresponding to the first store to the user on condition that a predetermined amount of stamps have been granted to the user.SELECTED DRAWING: Figure 2

Description

The present invention relates to an information processing device and an information processing method.

A technology is disclosed in which a stamp is given to a user when the user visits a store and purchases a product, and a benefit is given to the user when the stamp given to the user satisfies conditions for providing the benefit. (For example, see Patent Document 1).

Patent No. 6978576

In the conventional technology, stamps are only used for promotional activities of the target stores to which the stamps are given. For this reason, there was a problem in that it did not lead to promotions for other stores or services to which the stamp was not given.

The present invention has been made in view of these points, and it is an object of the present invention to enable sales promotion of stores or services that do not require stamps.

In the information processing device according to the first aspect of the present invention, a user is provided with store identification information for identifying a first store that provides a first service and a stamp corresponding to the first store. a storage unit that associates and stores condition information indicating usage conditions for a second service not provided at the first store, which is included in the conditions; and a store terminal used at the first store or used by the user. Receive, from a user terminal, user identification information for identifying the user, the store identification information indicating the first store, and a payment request corresponding to the payment for the use of the first service by the user. a payment request receiving unit that performs the payment based on the received user identification information upon receiving the payment request; and a payment processing unit that performs the payment based on the received user identification information, and the second service of the user associated with the received user identification information. an acquisition unit that acquires usage history information indicating usage history for the user; and when the payment is made, the usage history indicated by the usage history information corresponding to the user acquired by the acquisition unit is added to the received store identification information. a stamp providing unit that provides the stamp to the user when a usage condition for the second service indicated by condition information stored in the storage unit in association with the user; and a stamp providing unit that provides the stamp to the user in a predetermined amount and a benefit granting unit that grants the user a benefit corresponding to the first store on the condition that the benefit is granted.

The storage unit stores the user identification information of the user, stamp card identification information for identifying a stamp card corresponding to the stamp used by the user, and store identification information of a store corresponding to the stamp card. and storing the stamp card in association with each other, and the stamp giving unit gives the stamp to the user on the condition that the received store identification information and the user identification information are associated with the stamp card identification information. Good too.

The stamp adding unit is configured to provide a stamp to the user based on the amount paid by the payment processing unit when the usage history of the second service corresponding to the user satisfies the usage conditions of the second service. The stamp may be added.

The stamp attaching unit determines that the usage history of the second service corresponding to the user satisfies usage conditions of the second service, and that the payment method corresponding to the payment request is a predetermined payment method. As a condition, a stamp may be given to the user.

The stamping unit is configured to cause a payment means corresponding to the payment request to display a code on the store or the user terminal, and to make a payment based on the payment request received from the user terminal or store terminal that has read the code. A stamp may be given to the user on the condition that the code payment is performed.
The benefit granting unit may grant the benefit that cannot be used to the second service or a store that provides the second service.

The storage unit includes the date and time when the second service was used, the location where the second service was used, the number of times the second service was used, the amount paid for the use, the payment method used to settle the payment amount, the store where the user used the second service, the condition information corresponding to the usage conditions indicating a combination of one or more of the business operator that provided the second service and the purchase of a specific product or service sold at the store that provides the second service; It may be stored in association with the store identification information indicating the first store.

The storage unit stores the condition information including, as the usage condition, that the payment method used to settle the payment amount for the use of the second service is the same as the payment method corresponding to the payment request; may be stored in association with the store identification information indicating the store.

The second service is a mobility service that provides transportation means to the user, and the acquisition unit acquires a usage history corresponding to the second service including location information indicating a location where the second service was provided. However, the stamp giving unit may give the stamp to the user on the condition that the location indicated by the location information included in the usage history is within a predetermined range from the location of the first store. good.

The information processing device may further include a billing unit that charges a second business operator that provides the second service for at least a portion of the amount corresponding to the benefit granted to the user by the benefit granting unit. good.
The billing unit may bill a first business operator that provides the first service for at least a portion of the amount corresponding to the benefit.

The information processing device may further include a billing unit that bills a first business operator that provides the first service for the entire amount corresponding to the privilege granted to the user by the privilege granting unit. .
The information processing device may further include a notification unit that notifies the user of usage conditions for the second service indicated by the condition information.

In response to the stamp or the benefit being given to the user, the information processing device transmits information indicating that the stamp or the benefit has been given to the user to a second business provided by the second service. The device may further include a notification section for notifying the person.

An information processing method according to a second aspect of the present invention includes store identification information for identifying a first store that provides a first service, and a stamp corresponding to the first store, which is executed by a computer. a step of storing in a storage unit in association with condition information indicating a usage condition of a second service not provided at the first store, which is included in the conditions given to the user; and a store used at the first store. User identification information for identifying the user, the store identification information indicating the first store, and payment information for the use of the first service by the user from a terminal or a user terminal used by the user. receiving a corresponding payment request; and upon receiving the payment request, making the payment based on the received user identification information; 2. Obtaining usage history information indicating the usage history for the service, and at the same time as the payment is made, the usage history indicated by the usage history information corresponding to the acquired user is associated with the received store identification information, and the usage history is a step of providing the stamp to the user when a usage condition for the second service indicated by condition information stored in a storage unit is met; and a step of providing a notification that a predetermined amount of the stamp has been provided to the user. The method further includes the step of providing the user with a benefit corresponding to the first store as a condition.

According to the present invention, it is possible to promote sales of stores or services that are not provided with stamps.

1 is a diagram showing an overview of a payment system. It is a diagram showing a functional configuration of a payment processing device. It is a figure which shows an example of stamp correspondence information. It is a figure which shows an example of stamp provision information. It is a figure showing an example of store information. It is a figure showing an example of provision condition management information. It is a figure showing an example of payment history information. FIG. 3 is an operation sequence diagram of the payment system. FIG. 2 is an operation sequence diagram of a payment system compatible with MPM code payment.

[Overview of payment system S]
FIG. 1 is a diagram showing an overview of the payment system S. The payment system S is a system that performs payment in response to receiving a payment request from a user terminal 2 owned by the user or a store terminal 3 used by the store when the user purchases a product or service at a store. .

The payment system S includes a payment processing device 1 as an information processing device, a user terminal 2, and a store terminal 3. The payment processing device 1 is a server that performs payment of the purchase amount. The user terminal 2 is an information terminal used by a user, and is, for example, a smartphone, a tablet, or a personal computer. The store terminal 3 is a terminal used in a first store that provides a first service, and is, for example, a POS terminal. The first service is, for example, various services provided at the store, such as a product sales service and a food and beverage service. In the following explanation, the first service will be explained as a product sales service.

The flow until payment is completed will be described below with reference to FIG. Note that in the following explanation, products or services are collectively referred to as products. First, the store terminal 3 accepts a registration operation for stamp granting conditions from a store manager or the like, and provides the user with a store ID for identifying the first store and a stamp corresponding to the first store. Condition information indicating the conditions to be granted is transmitted to the payment processing device 1 ((1) in FIG. 1).

A stamp is intangible value given to a user in response to the user's purchase of a product or the like. When a user accumulates a predetermined number of stamps, a privilege is given to the user. An electronic stamp card is composed of at least one of text data and image data indicating the number of stamps that a user has accumulated. Note that the stamp card may be composed of at least one of text data or image data indicating the amount of stamps accumulated by the user, such as a score, a gauge, or an achievement rate for a predetermined number, instead of the number of stamps. At least either the payment processing device 1 or the user terminal 2 stores a stamp card ID for identifying a stamp card in a nonvolatile memory in association with a user ID.

The store ID is, for example, an ID given to a store by a payment provider, and is used to identify the store. The store ID identifies the store, but may also be information for identifying the store operator or the business operator of the store.

The payment processing device 1 associates and stores the store terminal ID received from the store terminal 3 and the condition information ((2) in FIG. 1). The stamp provision conditions indicated by the condition information include usage conditions for the second service that is not provided at the first store. The second service is, for example, a mobility service that provides transportation, or a service provided at a store different from the first store. The following description will proceed assuming that the second service is a mobility service.

After that, the user purchases a product at the first store. The payment processing device 1 receives the user ID for identifying the user, the store ID of the first store, and the user's information from at least one of the user terminal 2 and the store terminal 3 in accordance with a predetermined payment method. Payment information including the payment amount regarding the purchase of the product at the first store is received ((3) in FIG. 1). The user ID is, for example, an ID given to a user by a payment provider that provides payment services related to the payment processing device 1.

The predetermined payment method is, for example, a payment method using a code. Payment methods using codes include a CPM (Consumer Presented Mode) payment method and an MPM (Merchant Presented Mode) payment method. The CPM method is a method in which a payment code such as a two-dimensional barcode is displayed on the user terminal 2, and the store makes the payment when the payment code is read. The MPM method is a method in which a payment code is presented at a store and the payment is made in response to the payment code being read by the user. In the following explanation, a payment method using a code is referred to as a code payment.

Upon receiving the user ID, store ID, and payment information, the payment processing device 1 performs payment based on the received user ID, store ID, and payment amount ((4) in FIG. 1). The payment processing device 1 acquires usage history information indicating the usage history of the second service of the user associated with the received user ID ((5) in FIG. 1).

The payment processing device 1 receives the payment when the payment is made and the usage history indicated by the acquired usage history information satisfies the usage conditions of the second service indicated by the condition information associated with the received store ID. A stamp is given to the user indicated by the user ID ((6) in FIG. 1). The payment processing device 1 also provides the user with a benefit corresponding to the first store on the condition that a predetermined number of stamps have been provided to the user ((7) in FIG. 1). The benefits are, for example, a predetermined discount amount on the payment amount corresponding to the payment at the store, a refund of a predetermined refund amount to the user after the payment, or the provision of points or prizes that the user can use at the store, etc. . In this way, when a user uses the second service and purchases a product at a first store, a stamp is given, so the payment processing device 1 can promote stores or services that do not have stamps. I can do it.

The details of the configuration of the payment processing device 1 will be explained below. Note that the following description will be made assuming that the predetermined payment method is CPM code payment.

[Functional configuration of payment processing device 1]
FIG. 2 is a diagram showing the functional configuration of the payment processing device 1. As shown in FIG. The payment processing device 1 includes a communication section 11, a storage section 12, and a control section 13.

The communication unit 11 is a communication interface for transmitting and receiving data to and from the user terminal 2 and the store terminal 3 via a network such as the Internet.
The storage unit 12 is a storage medium that stores various data, and includes a ROM (Read Only Memory), a RAM (Random Access Memory), a hard disk, and the like. The storage unit 12 stores programs executed by the control unit 13. The storage unit 12 causes the control unit 13 to function as a registration unit 131, a payment request reception unit 132, a payment processing unit 133, an acquisition unit 134, a stamp provision unit 135, a benefit provision unit 136, a request unit 137, and a notification unit 138. Memorize payment programs.

Furthermore, the storage unit 12 stores the user ID of the user, the stamp card ID for identifying the stamp card corresponding to the stamp used by the user, and the store ID of the store corresponding to the stamp card in association with each other. . Specifically, the storage unit 12 stores stamp correspondence information that manages the stamp cards supported by each of a plurality of stores, and stamp assignment information that manages the number of stamps assigned to each of a plurality of users. remember.

FIG. 3 is a diagram showing an example of stamp correspondence information. As shown in FIG. 3, the stamp correspondence information is information that associates a stamp card ID for identifying a stamp card, a stamp giving unit, and a store ID of a store that corresponds to the stamp card. The stamp granting unit is the payment amount required to grant one stamp. For example, if the user's payment amount is 1200 yen and the stamp granting unit is 500 yen, two stamps will be given to the user. A common stamp card may be used at a plurality of stores, and as shown in FIG. 3, one or more store IDs are associated with one stamp card ID.

FIG. 4 is a diagram illustrating an example of stamp assignment information. As shown in FIG. 4, the stamp assignment information is information that associates a user's user ID, a stamp card ID, and the number of stamps assigned to the user that corresponds to the stamp card ID. A user may hold one or more stamp cards at the same time, and as shown in FIG. 4, one or more stamp card IDs are associated with one user ID.

Furthermore, the storage unit 12 stores store information for each of a plurality of stores. FIG. 5 is a diagram showing an example of store information. As shown in FIG. 5, the store information is information in which at least a store ID, a store name, and a store location indicating the location of the store are associated with each other.

The storage unit 12 also associates a store ID for identifying a first store that provides the first service with condition information indicating conditions under which a stamp corresponding to the first store is given to the user. Stores the given condition management information.

FIG. 6 is a diagram illustrating an example of provision condition management information. As shown in FIG. 6, the granting condition management information is information that associates the store ID of the first store with condition information indicating the stamp granting condition corresponding to the first store. As shown in FIG. 6, the stamp application conditions include a plurality of stamp application conditions. The stamp granting conditions include usage conditions for the second service, which is a service not provided at the first store.

The terms of use for the second service include, for example, the date and time when the second service was used, the location where the second service was used, the number of times the second service was used, the amount paid for the use of the second service, and the amount used to settle the payment amount. The condition is a combination of one or more of the payment method used by the user, the store where the user used the second service, and the business operator who provided the second service.

In the example shown in FIG. 6, three conditions, conditions 1 to 3, are set as the usage conditions for the service ID "SV001" as the second service, corresponding to the store ID "T0001." Condition 1 is a usage condition corresponding to the usage date and time of the second service. Condition 2 is a usage condition that corresponds to the usage location of the second service. Condition 3 is a usage condition corresponding to the payment amount for the use of the second service. In the present embodiment, a stamp is given on the condition that any one of conditions 1 to 3 is satisfied, but the stamp is not limited to this, and the stamp is provided on the condition that at least one of conditions 1 to 3 is satisfied. A stamp may be given subject to the following conditions. Further, the stamp provision conditions may include the usage conditions of the first service.

Furthermore, the storage unit 12 stores payment history information indicating the history of payments using a predetermined payment method. FIG. 7 is a diagram showing an example of payment history information. As shown in FIG. 7, the payment history information is information that associates the user ID of the user who purchased the product, the store ID or service ID, the payment amount, the payment time, and the payment location information. The service ID is information for identifying a service. The payment amount is the amount paid by the user when purchasing the product. The payment location information is information that indicates the location of the store where the payment was made or the location where the service is provided, and is, for example, terminal location information that indicates the location of the user terminal 2 when the payment was made. Note that the payment location information is not limited to terminal location information indicating the location of the user terminal 2, but also store terminal location information indicating the location of the store terminal 3, or store location information associated with the store ID in store information. Good too. Further, the payment history information may include a product ID for identifying a product or service purchased at a store.

The control unit 13 is, for example, a CPU (Central Processing Unit). By executing the payment program stored in the storage unit 12, the control unit 13 controls a registration unit 131, a payment request receiving unit 132, a payment processing unit 133, an acquisition unit 134, a stamp giving unit 135, a benefit giving unit 136, It functions as a requesting section 137 and a notification section 138.

The registration unit 131 receives condition information indicating conditions for stamp provision and the store ID of the first store from the store terminal 3 of the first store, and stores the condition information in association with the store ID. 12. For example, the registration unit 131 receives, from the store terminal 3 of the first store, a request to set conditions for stamp provision, including the store ID. Upon receiving the setting request, the registration unit 131 causes the store terminal 3 to display a setting screen for setting grant conditions, and accepts the grant conditions. When the registration unit 131 receives the provision condition via the setting screen, the registration unit 131 stores the condition information indicating the provision condition in association with the store ID included in the received setting request in the storage unit 12. Note that although the registration unit 131 accepts the setting of stamp granting conditions from the store terminal 3 of the first store, the registration unit 131 is not limited to this, and may accept the setting of stamp granting conditions from another terminal. .

Further, the registration unit 131 receives a selection of a stamp card to be used by the user from the user. For example, in response to receiving a stamp card usage registration request from the user terminal 2, the registration unit 131 displays a stamp card usage registration screen on the user terminal 2, and allows selection of a stamp card via the usage registration screen. accept. When the registration unit 131 receives the selection of a stamp card, the registration unit 131 associates the stamp card ID of the selected stamp card, the user ID, and the number of stamps assigned to the user, and stores this in the storage unit 12 as stamp assignment information. let At the time of registration, the number of stamps given to the user is 0.

The payment request receiving unit 132 receives the user ID, the store ID indicating the first store, and the user's information at the first store from the store terminal 3 used at the first store or the user terminal 2 used by the user. A payment request corresponding to payment for use of the provided first service is received.

Specifically, first, the payment request receiving unit 132 receives from the user terminal 2 the user ID of the user of the user terminal 2 and a request to issue a payment code for the user to make payment at the store. The issuance request includes terminal location information indicating the location of the user terminal 2 of the payment code. The payment request receiving unit 132 generates a payment token upon receiving the payment code issuance request. The payment token is a data string for generating a payment code corresponding to the user ID received together with the payment code issuance request. The payment request receiving unit 132 stores the received user ID, terminal location information, and generated payment token in the storage unit 12 in association with each other. The payment request receiving unit 132 transmits the generated payment token to the user terminal 2 that sent the payment code issuance request.

The payment request receiving unit 132 receives the payment token extracted from the payment code and the store ID from the store terminal 3 that has read the payment code displayed by the user terminal 2 based on the sent payment token. Receive a payment request including payment information corresponding to a payment for purchasing a product at the user's store. The payment information includes the payment amount corresponding to the purchase of the product at the user's store. Note that in order to include the product ID of the product purchased by the user in the payment history information, the product ID of the product purchased by the user may be included in the payment information.

When the payment request receiving unit 132 receives the payment request, the payment processing unit 133 performs payment based on the user ID received by the payment request receiving unit 132. Specifically, first, when the payment request receiving unit 132 receives a payment request, the payment processing unit 133 determines whether a payment token that matches the payment token included in the payment request is stored in the storage unit 12. Determine whether When the payment processing unit 133 determines that a matching payment token is stored in the storage unit 12, the payment processing unit 133 uses the user ID stored in the storage unit 12 in association with the payment token, that is, the payment request receiving unit 132. identifies the user ID received along with the payment code issuance request.

The payment processing unit 133 executes a payment process to debit the payment amount from the electronic currency account of the user corresponding to the specified user ID. Although the payment processing unit 133 executes the process of withdrawing the payment amount from the user's electronic account as the payment process, the present invention is not limited thereto. For example, the payment processing unit 133 may accept application of a benefit for discounting the payment amount from the user, and may deduct the discount amount from the user's electronic account by deducting the discount amount from the payment amount. good.

In addition, if the user's payment method is a payment method using a credit card rather than withdrawal from an electronic account, the payment processing unit 133 sends a request to the credit card company in advance of payment of the payment amount as payment processing. An application for approval (authorization) may also be made. In this case, the payment process may be completed when pre-approval for payment of the payment amount is received from the credit card company.

Further, the payment processing unit 133 executes a process of depositing an amount corresponding to the payment amount included in the received payment request into the account of the store specified by the store ID included in the payment information. For example, the payment processing unit 133 calculates the amount obtained by subtracting the payment fee corresponding to the payment service from the payment amount as the store receipt amount, and transfers the calculated amount to the store account specified by the store ID included in the payment information. Execute the process to deposit the amount received at the store. Note that the payment processing unit 133 adds up the store receipt amounts calculated in a predetermined period (for example, one month) at predetermined time intervals (for example, one month), and calculates the total amount of store receipt amounts specified by the store ID. You may deposit the money all at once into the account of the store.

When the payment is completed, the payment processing unit 133 causes the storage unit 12 to store usage history information indicating the payment history. Specifically, the payment processing unit 133 stores the paid amount, that is, the amount deducted from the user's electronic account corresponding to the payment, in association with the received store ID, and the received payment token. The user ID, the terminal location information as the payment location, and the payment time, which is the time when the payment was made, are associated and stored in the storage unit 12 as usage history information. When the payment information includes a product ID, the payment processing unit 133 causes the storage unit 12 to store usage history information including the product ID.

The details of the functions of the payment request receiving unit 132 and the payment processing unit 133 have been explained using an example in which the user purchases a product at the first store. Similar processing will be performed at other services and other stores where payments can be made. As a result, the storage unit 12 stores not only usage history information indicating usage history corresponding to the first store, but also usage history information indicating usage history at other services and other stores.

The acquisition unit 134 obtains a usage history corresponding to the second service of the user associated with the user ID received by the payment request receiving unit 132, which includes location information indicating the location where the second service was provided. Obtain usage history information indicating. For example, in response to completion of the payment process, the acquisition unit 134 refers to the provision condition management information stored in the storage unit 12, and specifies the conditions in the condition information corresponding to the store ID received by the payment request reception unit 132. The service ID of the second service being used is specified. The acquisition unit 134 acquires usage history information corresponding to the service ID of the second service from among the usage history information stored in the storage unit 12.

The stamp attaching unit 135 determines that when the payment is made, the usage history indicated by the usage history information corresponding to the user acquired by the acquisition unit 134 is indicated by the condition information stored in the storage unit 12 in association with the received store ID. When the usage conditions of the second service are met, a stamp is given to the user based on the amount paid by the payment processing unit 133. The stamp providing unit 135 provides a stamp to the user on the condition that the received store ID and user ID are associated with the stamp card ID.

First, the stamp providing unit 135 determines whether or not a stamp card ID is associated with the received store ID and user ID. The stamping unit 135 refers to the stamp correspondence information stored in the storage unit 12 and identifies the stamp card ID and stamping unit associated with the received store ID. The stamping unit 135 refers to the stamping information, and if the specified stamp card ID is associated with the received user ID, the stamp card ID is associated with the received store ID and user ID. It is determined that

When the stamp adding unit 135 determines that the stamp card ID is associated with the received store ID and user ID, the stamp card ID is included in the usage history corresponding to the second service indicated by the usage history information acquired by the acquisition unit 134. Identify payment amount, payment time, and payment location information. Further, the stamp adding unit 135 refers to the store information stored in the storage unit 12 and identifies the store location associated with the received store ID.

Then, the stamp adding unit 135 determines whether the usage conditions for the second service indicated by the condition information are satisfied based on the specified payment amount, payment time, payment location indicated by the payment location information, and store location. When the stamp giving unit 135 determines that the usage conditions for the second service are satisfied, it gives a stamp to the user. For example, the stamp providing unit 135 provides a stamp to the user on the condition that the payment location indicated by the payment location information included in the usage history is within a predetermined range from the specified store location.

The stamp giving unit 135 calculates the number of stamps to be given to the user based on the amount paid by the payment processing unit 133 and the specified stamp giving unit, and gives the calculated number of stamps to the user. The stamping unit 135 adds the calculated number of stamps to the number of stamps associated with the received user ID and the specified stamp card ID in the stamping information stored in the storage unit 12.

Note that the usage history information stored in the storage unit 12 indicates usage history corresponding to code payment as a predetermined payment method. For this reason, the stamp adding unit 135 provides that the usage history of the second service corresponding to the user satisfies the usage conditions of the second service, and the payment method corresponding to the payment request is code payment. A stamp may be given to the user. By doing this, users try to purchase products using code payment for the purpose of receiving stamps, so code payment can be popularized.

Further, although the stamping unit 135 acquires the usage history information stored in the storage unit 12 and determines whether or not to apply a stamp based on the usage history information, the present invention is not limited thereto. For example, the stamp adding unit 135 acquires usage history information indicating the usage history corresponding to the second service from a management device (not shown) that manages the payment history of the second service, and based on the usage history information, It may also be determined whether or not to add a stamp. Further, the user terminal 2 may store usage history information including usage history corresponding to the second service. Then, the stamp adding unit 135 may acquire usage history information indicating the usage history corresponding to the second service from the user terminal 2.

In this case, it is assumed that the usage history corresponding to the second service includes payment method information indicating the payment method used to settle the amount paid for the use of the second service. In addition, the condition information stored in the storage unit 12 includes, as a usage condition of the second service, a payment method used to settle the payment amount for the use of the second service according to the payment request received by the payment processing unit 133. may include a condition that the payment method is the same as the corresponding payment method.

Then, the stamp adding unit 135 determines whether the payment method used to settle the payment amount for the use of the second service, which is included in the condition information, is the same as the payment method corresponding to the payment request received by the payment processing unit 133. A stamp is given to the user when certain conditions are met. By doing this, the user will be able to make payments using the code payment both when using the second service and when using the first store, in order to receive stamps. , it is possible to further popularize code payments.

The benefit granting unit 136 grants the user a benefit corresponding to the first store on the condition that a predetermined number of stamps have been given to the user. For example, the storage unit 12 stores a stamp card ID, the number of stamps to which a benefit corresponding to the stamp card ID is given, and benefit information indicating the content of the benefit in association with each other. The benefit granting unit 136 determines whether the number of stamps updated by the stamp granting unit 135 has reached the number of stamps to which a benefit is granted. When determining that the updated number of stamps has reached the number of stamps to which a benefit is granted, the benefit granting unit 136 grants the user a benefit based on benefit information associated with the stamp card ID. Here, the privilege given to the user may be a privilege that can be used at the first store and cannot be used for the second service or the store that provides the second service.

In response to the privilege being granted to the user by the benefit granting unit 136, the billing unit 137 bills the second business operator that provides the second service for at least a portion of the amount corresponding to the benefit granted to the user. do. For example, the billing unit 137 bills the second business operator that provides the second service for at least a portion of the amount corresponding to the benefit granted to the user, and at least a portion of the remaining amount corresponding to the benefit. is billed to the first business operator that provides the first service, that is, the business operator that operates the first store.

The user uses the second service for the purpose of receiving benefits and aims to acquire stamps. Therefore, the provision of stamps and the provision of benefits not only promote the use of the first store but also promote the use of the second service. On the other hand, the billing unit 137 can make the second service provider bear at least a portion of the amount corresponding to the benefit as compensation for promoting the use of the second service.

Note that although the billing unit 137 billed the first business operator that provides the first service for a portion of the amount corresponding to the privilege granted to the user by the privilege granting unit 136, the present invention is not limited thereto. The billing unit 137 may bill the first business providing the first service for the entire amount corresponding to the privilege granted to the user by the privilege granting unit 136. Further, the billing unit 137 may receive in advance the share of the benefit amount corresponding to each of the first operator and the second operator from the first operator that provides the first service. Then, the billing unit 137 calculates the billing amount corresponding to the benefit to each of the first business operator and the second business operator based on the received burden ratio, and The calculated amount may be charged to each of the two businesses.

The billing unit 137 also requests a fee for stamping from a second business operator that provides the second service, obtains the fee from the second business operator, and sends the fee to the first business operator that provides the first service. , the said fee may be remitted. By doing so, the payment processing device 1 can make the second service provider bear the compensation for promoting the use of the second service in response to the provision of the stamp.

When the payment process by the payment processing unit 133 is completed, the notification unit 138 transmits payment completion information indicating that the payment has been completed to the user terminal 2, and notifies the user that the payment has been completed. When a stamp has been given to the user by the stamp giving unit 135, the notification unit 138 transmits payment completion information including information indicating that a stamp has been given to the user terminal 2, and notifies the user that a stamp has been given. Notify the user. When a benefit is granted to the user by the benefit granting section 136, the notification unit 138 transmits payment completion information including information indicating that the benefit has been granted to the user terminal 2, and notifies the user that the benefit has been granted. Notify the user.

Furthermore, the notification unit 138 notifies the user of the usage conditions of the second service indicated by the condition information. For example, the notification unit 138 obtains, from the user terminal 2, a request to obtain information regarding the stamp, including the user ID and terminal location information indicating the location of the user terminal 2. The notification unit 138 refers to the stamp assignment information stored in the storage unit 12 and identifies the stamp card ID associated with the user ID. The notification unit 138 refers to the stamp correspondence information and store information stored in the storage unit 12, and informs of stores associated with the specified stamp card ID and within a predetermined range from the terminal location indicated by the acquired terminal location information. Identify the store ID and store name.

The notification unit 138 specifies condition information associated with the specified store ID in the provision condition management information stored in the storage unit 12. The notification unit 138 sends the specified store name and the terms of use of the second service indicated by the specified condition information to the user terminal 2 that is the source of the stamp-related information acquisition request, thereby giving the stamp. The user is notified of the store name and the terms of use of the second service. By doing so, the user can understand the store where the stamp is given and the usage conditions of the second service for giving the stamp at the store.

In addition, in response to the fact that at least one of the stamp and the privilege has been imparted to the user, the notification unit 138 provides a second service with information indicating that the stamp and/or the privilege have been imparted to the user. Notify the second business operator. For example, the storage unit 12 stores the service ID corresponding to the second service in association with destination information indicating the destination of the second business such as the email address of the second business. In response to the stamp or privilege being given to the user, the notification unit 138 specifies condition information corresponding to the stamp or the stamp corresponding to the privilege, and based on the condition information, the notification unit 138 specifies the service ID of the second service. Identify. The notification unit 138 specifies the destination information of the second business operator associated with the specified service ID, and transmits information indicating that a stamp or privilege has been given to the destination indicated by the destination information. By doing so, the second business operator can check the status of granting stamps and benefits to users.

[Operation sequence]
FIG. 8 is an operation sequence diagram of the payment system S.
First, the registration unit 131 of the payment processing device 1 receives a store ID and condition information indicating conditions for stamp provision from the store terminal 3 of the first store (S1), and combines the received store ID and condition information with the received store ID and condition information. are stored in the storage unit 12 in association with each other (S2). Further, the registration unit 131 receives the user ID and the stamp card ID of the stamp card used by the user from the user terminal 2 (S3), and associates the received user ID with the stamp card ID to obtain stamp assignment information. It is stored in the storage unit 12 as (S4).

Subsequently, the user terminal 2 of the user who purchases products etc. at the first store receives the payment code display operation (S5), and sends the user ID and a payment code issuance request to the payment processing device 1. Send (S6).

Subsequently, when the payment request receiving unit 132 of the payment processing device 1 obtains the user ID and the request for issuance of a payment code from the user terminal 2, it generates a payment token, and receives the received user ID and the generated payment code. It is stored in the storage unit 12 in association with the payment token (S7). The payment request receiving unit 132 transmits the generated payment token to the user terminal 2 that sent the payment code issuance request (S8).

The user terminal 2 generates a payment code based on the payment token received from the payment processing device 1, and displays the generated payment code on its own display (S9). The user presents the payment code displayed on the user terminal 2 at the store, and the store terminal 3 reads the payment code (S10).

Further, the store terminal 3 specifies the price of the product based on the product ID input by the clerk or the product ID read from the barcode attached to the product, and calculates the payment amount (S11). The store terminal 3 transmits to the payment processing device 1 a payment request including payment information including the payment amount calculated in S11, the store ID, and the payment token included in the payment code read in S10. (S12).

The payment request receiving unit 132 of the payment processing device 1 receives a payment request including payment information and a payment token from the store terminal 3. When the payment token stored in the storage unit 12 and the received payment token match, the payment processing unit 133 identifies the user ID stored in the storage unit 12 in association with the payment token. The payment processing unit 133 executes payment processing based on the specified user ID and the store ID and payment information included in the received payment request (S13).

Subsequently, the acquisition unit 134 acquires usage history information indicating the usage history corresponding to the second service associated with the identified user ID (S14).
Subsequently, the stamp adding unit 135 determines the condition that the payment is made and the usage history indicated by the usage history information corresponding to the user acquired by the acquisition unit 134 is stored in the storage unit 12 in association with the received store ID. When the stamp granting conditions indicated by the information are satisfied, a stamp is given to the user based on the paid amount by the payment processing unit 133 (S15).

Subsequently, if a predetermined number of stamps have been given to the user, the benefit granting unit 136 grants a benefit to the user (S16). Subsequently, the notification unit 138 transmits payment completion information to the user terminal 2 (S17). The notification unit 138 transmits payment completion information including information indicating that a stamp has been given to the user terminal 2 when a stamp has been given to the user, and when a privilege has been given to the user, the privilege has been given. Payment completion information including information indicating that payment has been completed is transmitted to the user terminal 2.

[Modification 1]
Further, in the above description, the case where the predetermined payment method is a CPM code payment is explained as an example, but an example using an MPM code payment will be briefly described below. FIG. 9 is an operation sequence diagram of the payment system S compatible with MPM code payment.

The processing from S21 to S24 is the same as the processing from S1 to S4, so a description thereof will be omitted.
In response to a user bringing a product to be purchased to a store clerk at a store, the store clerk operates the store terminal 3. The store terminal 3 obtains the product ID input by the clerk or the product ID read from the barcode attached to the product, and calculates the payment amount by specifying the price of the product associated with the product ID. . The store terminal 3 displays the payment amount on its own display unit (S25).

When the store terminal 3 receives the operation related to the payment code issuance request, it transmits the payment code issuance request and the store ID to the payment processing device 1 (S26). When the payment request receiving unit 132 of the payment processing device 1 obtains the payment code issuance request and the store ID, it generates a payment token and stores it in the storage unit 12 in association with the store ID (S27). The payment request receiving unit 132 transmits the generated payment token to the store terminal 3 that sent the payment code issuance request (S28).

The store terminal 3 generates a payment code based on the payment token received from the payment processing device 1, and displays the generated payment code on its own display (S29). The user operates the user terminal 2 to cause the user terminal 2 to read the payment code displayed on the store terminal 3 (S30).

After extracting the payment token from the payment code, the user terminal 2 receives input of the payment amount from the user (S31). The user terminal 2 transmits a payment request including payment information including the payment amount, a payment token extracted from the payment code, and a user ID to the payment processing device 1 (S32).

The payment request receiving unit 132 of the payment processing device 1 receives a payment request including payment information, a payment token, and a user ID from the user terminal 2. When the payment token stored in the storage unit 12 and the received payment token match, the payment processing unit 133 identifies the store ID stored in the storage unit 12 in association with the payment token. The payment processing unit 133 executes payment processing based on the specified store ID and the user ID and payment information included in the received payment request (S33).
The processing from S34 to S37 is the same as the processing from S14 to S17, so a description thereof will be omitted.

With the payment system S operating as described above, the payment processing device 1 can perform payment processing by receiving payment information from the store terminal 3 that has read the payment code displayed on the user terminal 2. , stamps and benefits can be given to users.

Note that in the MPM code payment, a request for issuance of a payment code is made at the time of payment, but the request may be made at a timing earlier than the time of payment. In this case, the request for issuance of the payment code may be made via the store terminal 3, or may be made by mail, e-mail, or the like. Further, although the store terminal 3 displays the payment code on the display section provided therein, the present invention is not limited thereto. For example, a store clerk may present a payment code printed on paper or the like to the user.

In this case, in response to the user's operation, the user terminal 2 uses its own imaging unit to image the payment code presented at the store, extracts the payment token from the imaged payment code, and extracts the payment token from the imaged payment code. The payment amount corresponding to the payment at the store is input from the store. The payment token may include a store ID for the payment processing device 1 to identify the store. Upon receiving the input of the payment amount, the user terminal 2 transmits to the payment processing device 1 a payment request including payment information including the payment amount, the extracted payment token, and the user ID. The payment processing unit 133 executes payment processing when the payment request receiving unit 132 receives a payment request including payment information, a payment token, and a user ID from the user terminal 2.

[Modification 2]
Furthermore, in the above description, the payment processing device 1 performs the following operations when the usage history of the second service used by the user before the payment corresponding to the first store satisfies the usage conditions of the second service. Although the stamp is given to the user, the present invention is not limited to this. The payment processing device 1 acquires the usage history of the second service used by the user after the payment corresponding to the first store, and if the usage history satisfies the usage conditions of the second service, the payment processing device 1 A stamp may be added to the .

In this case, the payment processing device 1 responds to the fact that the user uses the second service, the payment corresponding to the second service is made, and the usage history information of the second service is stored in the storage unit 12. Then, it may be determined whether or not there is a usage history corresponding to the first store. When the payment processing device 1 determines that there is a usage history corresponding to the first store, the usage history indicated by the usage history information of the second service newly stored in the storage unit 12 is A stamp may be given to the user when the usage condition of the second service indicated by the condition information stored in the storage unit 12 in association with the store ID of the store is satisfied.

[Modification 3]
Further, in the above description, the second service is a mobility service, and the usage conditions of the second service include a service ID for identifying the second service, but the present invention is not limited to this. The second service may be a service provided at a second store different from the first store, and the terms of use of the second service may include a second service that provides the second service instead of the service ID. The store ID of the store may be included. Further, the usage conditions for the second service may include that the user purchases a specific product or service sold at a store that provides the second service. Here, the specific product or service sold at the store that provides the second service may not be provided at the first store that provides the first service.

In this case, the usage conditions for the second service include, for example, the store ID of the store that provides the second service and the product ID corresponding to the specific product or service. Then, the stamp adding unit 135 refers to the payment history information and sets the product ID included in the usage conditions of the second service, which is included in the usage conditions of the second service indicated by the condition information, and the second service. A stamp is given to the user on the condition that it is associated with the store ID of the second store providing the stamp.

[Modification 4]
Further, in the above description, the predetermined payment method is a payment method using a code, but it is not limited to this. For example, if the payment processing device 1 is capable of acquiring a user ID, store ID, and payment information when a user makes a payment, the predetermined payment method may be different from a payment method using a code payment, such as NFC. A payment method using short-range wireless communication, a credit card, or a prepaid card may be used.

[Modification 5]
In addition, the user ID associated with the stamp card is an ID given to the user by a payment service provider that provides payment services related to the payment processing device 1, but the payment service provider is not limited to this. The user ID may be a user ID issued by a different company that issues stamp cards. In this case, the user ID given to the user by the business that issues the stamp card is associated with the user ID given to the user by the payment business, and based on the user ID given to the user by the payment business, It may also be possible to specify the user ID given to the user by the business that issues the stamp card, and to specify the stamp card ID associated with the user ID.

[Effects of payment system S]
As described above, the payment processing device 1 according to the present embodiment acquires usage history information indicating the user's usage history for the second service, and acquires usage history information indicating the usage history of the user for the second service, and When the payment is made and the usage history indicated by the acquired usage history information satisfies the usage conditions of the second service indicated by the condition information associated with the received store ID, a stamp is given to the user; A privilege corresponding to the first store is given to the user on the condition that a predetermined number of stamps are given to the user. By doing so, the payment processing device 1 can promote stores or services that do not receive stamps.

Furthermore, the present invention makes it possible to contribute to Goal 9 of the Sustainable Development Goals (SDGs) led by the United Nations, "Create a foundation for industry and technological innovation."

Although the present invention has been described above using the embodiments, the technical scope of the present invention is not limited to the scope described in the above embodiments, and various modifications and changes can be made within the scope of the gist. be. For example, all or part of the device can be functionally or physically distributed and integrated into arbitrary units. In addition, new embodiments created by arbitrary combinations of multiple embodiments are also included in the embodiments of the present invention. The effects of the new embodiment resulting from the combination have the effects of the original embodiment.

1 Payment processing device 2 User terminal 3 Store terminal 11 Communication unit 12 Storage unit 13 Control unit 131 Registration unit 132 Payment request receiving unit 133 Payment processing unit 134 Acquisition unit 135 Stamp provision unit 136 Benefit provision unit 137 Request unit 138 Notification unit S Payment system

Claims (15)

Store identification information for identifying a first store that provides a first service, and a stamp that is not provided at the first store, which is included in the conditions for giving the user a stamp corresponding to the first store. a storage unit that associates and stores condition information indicating usage conditions of the two services;
From a store terminal used in the first store or a user terminal used by the user, user identification information for identifying the user, the store identification information indicating the first store, and the user identification information by the user. a payment request receiving unit that receives a payment request corresponding to a payment related to the use of the first service;
a payment processing unit that, upon receiving the payment request, performs the payment based on the received user identification information;
an acquisition unit that acquires usage history information indicating a usage history of the second service of the user associated with the received user identification information;
When the payment is made, the usage history indicated by the usage history information corresponding to the user acquired by the acquisition unit is changed to the usage history indicated by the condition information stored in the storage unit in association with the received store identification information. a stamp giving unit that gives the stamp to the user when the usage conditions of a second service are met;
a benefit granting unit that grants a benefit corresponding to the first store to the user on the condition that a predetermined amount of the stamps is granted to the user;
An information processing device having: The storage unit stores the user identification information of the user, stamp card identification information for identifying a stamp card corresponding to the stamp used by the user, and store identification information of a store corresponding to the stamp card. associate and remember,
The stamp giving unit gives the stamp to the user on the condition that the received store identification information and the user identification information are associated with the stamp card identification information.
The information processing device according to claim 1. The stamp adding unit is configured to provide a stamp to the user based on the amount paid by the payment processing unit when the usage history of the second service corresponding to the user satisfies the usage conditions of the second service. giving the stamp;
The information processing device according to claim 1 or 2. The stamp attaching unit determines that the usage history of the second service corresponding to the user satisfies usage conditions of the second service, and that the payment method corresponding to the payment request is a predetermined payment method. As a condition, a stamp is given to the user;
The information processing device according to any one of claims 1 to 3. The stamping unit is configured to cause a payment means corresponding to the payment request to display a code on the store or the user terminal, and to make a payment based on the payment request received from the user terminal or store terminal that has read the code. providing a stamp to the user on the condition that the code payment is a code payment;
The information processing device according to claim 4. The benefit granting unit grants the benefit that is not available to the second service or a store that provides the second service.
The information processing device according to any one of claims 1 to 5. The storage unit includes the date and time when the second service was used, the location where the second service was used, the number of times the second service was used, the amount paid for the use, the payment method used to settle the payment amount, the store where the user used the second service, the condition information corresponding to the usage conditions indicating a combination of one or more of the business operator that provided the second service and the purchase of a specific product or service sold at the store that provides the second service; storing it in association with the store identification information indicating the first store;
The information processing device according to any one of claims 1 to 6. The storage unit stores the condition information including, as the usage condition, that the payment method used to settle the payment amount for the use of the second service is the same as the payment method corresponding to the payment request; storing the information in association with the store identification information indicating the store;
The information processing device according to claim 7. The second service is a mobility service that provides transportation means to the user,
The acquisition unit acquires a usage history corresponding to the second service including location information indicating a location where the second service was provided,
The stamp providing unit provides the stamp to the user on the condition that the location indicated by the location information included in the usage history is within a predetermined range from the location of the first store.
The information processing device according to claim 7 or 8. further comprising a billing unit that charges a second business operator providing the second service for at least a portion of the amount corresponding to the privilege granted to the user by the privilege granting unit;
The information processing device according to any one of claims 1 to 9. The billing unit bills a first business operator that provides the first service for at least a portion of the amount corresponding to the benefit.
The information processing device according to claim 10. further comprising a billing unit that charges a first business providing the first service for the entire amount corresponding to the privilege granted to the user by the privilege granting unit;
The information processing device according to any one of claims 1 to 9. further comprising a notification unit that notifies the user of the usage conditions of the second service indicated by the condition information;
The information processing device according to any one of claims 1 to 12. a notification unit that notifies a second business provider of the second service of information indicating that the stamp or the privilege has been provided to the user in response to the stamp or the privilege being provided to the user; further having,
The information processing device according to any one of claims 1 to 12. computer executes
Store identification information for identifying a first store that provides a first service, and a stamp that is not provided at the first store, which is included in the conditions for giving the user a stamp corresponding to the first store. a step of associating the two services with condition information indicating terms of use and storing them in a storage unit;
From a store terminal used in the first store or a user terminal used by the user, user identification information for identifying the user, the store identification information indicating the first store, and the user identification information by the user. receiving a payment request corresponding to payment for use of the first service;
Upon receiving the payment request, performing the payment based on the received user identification information;
acquiring usage history information indicating the usage history of the second service of the user associated with the received user identification information;
When the payment is made, the usage history indicated by the acquired usage history information corresponding to the user is changed to the second service indicated by the condition information stored in the storage unit in association with the received store identification information. providing the stamp to the user if the usage conditions are met;
providing the user with a benefit corresponding to the first store on the condition that a predetermined amount of the stamps have been provided to the user;
An information processing method having

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