JP6630012B1 - Payment system with donation function - Google Patents

Abstract

An object of the present invention is to allow a user to participate in a donation without a complicated procedure. An information providing means (11) for providing information on electronic commerce based on information transmitted from a user (1), and an advertisement is provided to the user (1) in accordance with the information transmitted or the information provided. An advertisement providing means 12 to be provided, an advertisement cost calculating means 13 for calculating an advertisement cost obtained from the advertiser 6 of the advertisement based on the advertisement provided to the user 1, and a will information on a will of the user 1 to donate is stored. User will information registering means 14, a donation destination registration means 15 for storing information of the donation destination 5, and a part of the advertising expenses distributed to the donation destination 5 registered in the donation destination registration means 15 based on the will information. A payment system 10 having a donation function including an advertising expense distribution unit 16 for returning all or a part of the remainder to the user 1. [Selection diagram] Fig. 1

Description

  The present invention relates to a payment system having a donation function.

  2. Description of the Related Art In recent years, due to the development of electronic commerce technology, many cashless payment-based commercial transactions have been performed in various online and offline situations.

  For example, by registering authentication information such as credit card, debit card, bank account, etc. in advance as initial input, at the time of subsequent payment, without special authentication procedure, or by simple authentication procedure There are electronic payment systems that can make payments. This type of electronic payment system does not require a complicated authentication procedure of a bank, a card company, or the like every time a payment is made, so that simple commercial transactions can be performed via various devices such as a personal computer and a smartphone. In addition, as a commercial transaction by cashless payment, for example, Google Wallet (registered trademark), Apple Pay (registered trademark), and the like are well known.

  By the way, in a general website, various advertisements are often displayed on a screen viewed by a user. For example, Patent Literature 1 discloses a technology for selecting and delivering an advertisement most suitable for a user in response to the access of the user.

  In addition, on a general website, the display of an advertisement on the screen viewed by the user, or the click on the advertisement, the corresponding advertising expenses are returned to the user as various points, or cash as cash Backed-up systems are already common.

  Further, various donation system technologies online are disclosed. For example, Patent Literature 1 discloses a technique for automatically pooling points obtained through online settlement as donations (see Patent Literature 1). Patent Literature 2 discloses a technique of distributing assets donated to an organization through a social media site including a corporate advertisement to a business entity suitable for receiving the assets (see Patent Literature 2).

US Patent No. US5948061 Japanese Patent No. 6325156 US Patent Publication No. US201101907

  The donation systems disclosed in Patent Literatures 2 and 3 are generally a business model that has a strong social contribution and promotes donations to users who use the Internet, and has a problem that the target users are limited. Further, in the technique of Patent Document 1, the advertisement is simply displayed on the screen, and the display of the advertisement itself does not contribute to the promotion of donation.

  There are many other systems, both online and offline, that raise donations to help the world's poor. However, these systems are mainly used only by users who have a strong sense of contributing to society and users who are highly volunteer conscious.

  Further, in the conventional donation system, a donation application procedure is required each time a donation is made, and there is a problem that the procedure is complicated for the user. For this reason, the base of donations is not widened, the number of users who actually donate is limited, and there is a problem that all poor people are not fully supported.

  Therefore, an object of the present invention is to enable a user to participate in a donation without complicated procedures.

  In order to solve the above problems, in the present invention, in a payment system used in electronic commerce via a network, an information providing means for providing information on the electronic commerce based on information transmitted from a user, Advertisement providing means for providing an advertisement to the user according to the information transmitted or the content of the provided information, and an advertisement fee obtained from an advertiser of the advertisement based on the advertisement provided to the user Advertising cost calculating means, a user will information registering means for storing will information on the will of the user to make a donation, a donation destination registering means for storing donation destination information, and the advertising cost based on the will information That distributes a part of to the donation destination registered in the donation destination registration means and returns all or part of the remainder to the user And distribution means, adopting a payment system with a donation function with a.

  Further, the information providing means has a function of making a payment relating to the electronic commerce based on the transmitted information, and the advertisement providing means provides an advertisement to the user according to the contents of the payment. A configuration can be employed.

  Here, a configuration may be employed in which the will information is information of a ratio of an amount distributed to the donation destination to an amount of the advertising cost obtained from the advertiser.

  Further, the donation destination registration means has information for linking the content of the advertisement or the settlement with the donation destination, and the advertisement cost distribution means sets the donation destination in cooperation with the advertisement or the settlement content. A configuration that determines the distribution destination of the advertisement cost can be adopted.

  The advertisement cost distribution unit, when there are a plurality of the donation destinations associated with the contents of the advertisement or the settlement, the ratio of the amount distributed to each of the plurality of the donation destinations, the pre-registered donation A configuration that is determined according to the distribution ratio of each destination can be adopted.

Furthermore, the information processing means is adapted to allow a subsequent said payment by initial input of authentication information from the user, the user intention information registration means, or modified after the initial input upon the initial input It is possible to adopt a configuration for requesting the input of the intention information at the time of input.

  According to the present invention, all users who perform various payment procedures in e-commerce via a network, such as cashless payment, are targeted, and each time the payment is made, the user is supplied with an advertisement, and the user receives an advertisement corresponding to the advertisement. You will get a cashback of your expenses and a part of it will be automatically donated to the donation destination. For this reason, the user can participate in the act of donating without complicated procedures.

It is a schematic diagram showing the donation system of the present invention.

  Hereinafter, embodiments of the present invention will be described with reference to the drawings. FIG. 1 shows the overall flow of the business model of the present invention and the configuration of a settlement system 10 having a donation function for realizing the business model. The payment system 10 has a function of performing electronic commerce via a network such as the Internet.

  In FIG. 1, reference numeral 1 denotes a user terminal owned by a consumer for performing payment for purchasing a product or service. The user terminal can be connected to a network. Here, a personal computer is assumed as the user terminal, but another device such as a smartphone may be used (the same applies to each terminal described later). Hereinafter, this user terminal is simply referred to as “user 1”.

  Reference numeral 2 indicates a settlement company terminal owned by the settlement company to process a settlement procedure from a consumer. Hereinafter, this settlement company terminal is simply referred to as “settlement company 2”.

  Reference numeral 3 indicates a service terminal owned by a service provider that provides the product or service in order to provide the product or service to the consumer. Hereinafter, this service provider terminal is simply referred to as “service provider 3”. The service provider 3 provides information on goods and services to the user 1 through the payment agent 2, and the user 1 performs a purchase procedure (payment procedure) through the payment agent 2 based on the provided information. The service provider 3 may provide the user 1 with information on goods and services provided directly from the service provider 3 to the user 1 without going through the settlement company 2.

  Reference numeral 4 denotes a management server that constitutes a main part of the settlement system 10. This is hereinafter referred to as “management server 4”. In this embodiment, the settlement server 2 manages the management server 4. However, a mode in which a person other than the settlement company 2, for example, a person who makes a contract with the settlement company 2 manages the management server 4 can be considered. .

  The management server 4 has a function as a processing device of the settlement system 10, and as shown in FIG. 1, an information providing unit 11, an advertisement providing unit 12, an advertisement cost calculating unit 13, a user will information registering unit 14, a donation It is provided with first registration means 15 and advertisement cost distribution means 16. The functions of the information providing means 11, the advertisement providing means 12, the advertising expense calculating means 13, the user intention information registering means 14, the donation destination registering means 15, and the advertising expense distributing means 16 are performed by the settlement company 2 (settlement company terminal). It is also possible to hold.

  Reference numeral 5 denotes a donation destination terminal owned by the destination of the advertising expenses performed by the settlement system 10, and reference numeral 6 denotes an advertiser terminal owned by an advertiser who contributes the advertising expenses. Hereinafter, these donation destination terminals and advertiser terminals are referred to as “donation destination 5” and “advertiser 6”, respectively.

  The information providing means 11 has a function of providing information on electronic commerce to the user 1 based on information transmitted from the user 1.

  Here, the transmission of information by the user 1 is performed, for example, when the user 1 accesses a website of the decision making company 2 or the service provider 3, and the user 1 is interested in or desires goods, services, etc. Is input by inputting text (keyword) related to the information in text or the like, and the transmission of the text is performed. The provision of the information is performed by opening a web page including information corresponding to the text.

  Alternatively, the information transmission by the user 1 is performed, for example, when the user 1 accesses the website of the decision making company 2 or the service provider 3, and among the icons displayed on the website, the user 1 is interested or This is performed by clicking on a desired icon, and the information is provided by opening a web page including information corresponding to the icon.

  As described above, based on the information transmitted from the user 1, the information providing unit 11 transmits the corresponding product, service, and other information to the user 1 as image or audio information. The user 1 selects a product or service to purchase based on the information.

  In addition, the information providing unit 11 has a function of performing settlement related to electronic commerce based on information transmitted from the user 1. That is, the information providing unit 11 has a function of performing settlement of a product or service purchased by the user 1 in response to a request from the user 1, so to speak, pays a price when the user 1 purchases a product or service. Also functions as a settlement processing means. In the settlement processing, for example, a settlement screen including transaction information necessary for settlement is provided to the user 1, and on the settlement screen, the user 1 inputs settlement information necessary for settlement and transmits it. It is done by doing.

  Then, the input signal of the settlement is sent to the information providing means (settlement processing means) 11 of the management server 4 through the settlement company 2. The information providing means 11 performs the settlement processing. The information subjected to the payment processing is sent to the advertisement providing means 12. In addition to the contents of the settlement, before and after the settlement, the goods, services, and other information transmitted from the user 1 and the goods actually provided to the user 1 in accordance with the transmitted information. The service and other information are also transmitted to the advertisement providing unit 12. The transmission of the information to the advertisement providing means 12 can be performed at any time or can be set to be performed at regular intervals.

  In a website or the like including a questionnaire function, input information such as a questionnaire transmitted by the user 1 is also included in the information transmitted to the advertisement providing unit 12. The information of the user 1 transmitted by such a questionnaire is used for subsequent electronic commerce and serves as basic data for selecting information to be provided to the user 1. Therefore, information based on the questionnaire is included in the information transmitted from the user 1 and also included in the information transmitted to the advertisement providing unit 12.

  After the payment processing, the information of the payment is transmitted to the service provider 3. At the same time, remittance (transfer or the like) corresponding to the settlement is also performed from the arbiter 2 to the service provider 3. The service provider 3 sends out products, provides services, and the like to the user 1.

  Here, the product or service that the user 1 has actually purchased (settled) is hereinafter referred to as “settlement item”. In addition, information other than the settlement product, that is, information other than the settlement content, the product or service that the user 1 is interested in and transmitted, or information on the other, or the product or the product provided to the user 1 based on the transmitted information The service and other information are referred to as “product information”.

  The advertisement providing means 12 stores various advertisement information registered in advance in response to a request from the advertiser 6. A large number of advertisers 6 are registered in the advertisement providing means 12, and a large number of advertisement information requested by the advertisers 6 also exists. The advertisement providing unit 12 provides the user 1 with corresponding advertisement information according to the information transmitted by the user 1 or the content of the information provided to the user 1 from the registered advertisement information. That is, the advertisement providing unit 12 provides the corresponding advertisement information to the user 1 according to the content of the information such as the payment product or the product. As shown in FIG. 1, the advertisement information is provided to the user 1 from the management server 4 via the settlement company 2 based on the conditions specified by the advertiser 6. In addition, the management server 4 sends the advertiser 6 the advertisement distribution results for each user 1.

At this time, the advertisement providing means 12 stores the settlement product or the product information and the advertisement information in a state of being associated with each other. For example,
Settlement product A (or product information A) => advertisement information a
Settlement product B (or product information B) => advertisement information b
Settlement product C (or product information C) => Advertising information c
Settlement product D (or product information D) => advertisement information d
Thus, the advertisement information corresponding to the settlement product or the product information is provided to the user 1 according to the information. The provided information is displayed on the screen in a visible state or provided by voice. Here, the settlement information or the product information corresponds to the advertisement information on a one-to-one basis, but a plurality of advertisement information may be associated with one settlement product or the product information.

  In the above example, the advertisement providing unit 12 provides the corresponding advertisement information to the user 1 in accordance with the content of both the payment product and the product information from the registered advertisement information. . In other words, here, not only the advertisement information corresponding to the product for which the user 1 has actually settled, but also the product or service for which the user 1 has been interested and requested the information, and other information even before the settlement. Advertising information to be provided to the user 1 as well. Here, as another example, for example, the provision of the advertisement information may be made to correspond only to the settlement product, or conversely, the provision of the advertisement information may be made to correspond only to the information of the product etc. which does not result in the settlement. .

Next, based on the advertisement information provided to the user 1, the advertisement cost calculation means 13 calculates the advertisement cost obtained from the advertiser 6 that provided the advertisement information. The advertising costs are returned to the user 1 collectively each time or at a fixed period. The advertisement cost is stored in a state where the advertisement information and the advertisement cost are associated with each other. For example,
Advertisement information a => Advertisement cost a ′ point Advertisement information b => Advertisement cost b ′ point Advertisement information c => Advertisement cost c ′ point Advertisement information d => Advertisement cost d ′ point The corresponding advertising costs are calculated. Here, the advertising expenses contributed by the advertiser 6 are handled in points, but may be handled in a cache (for example, in “yen” units). The points can be redeemed for cash by a predetermined procedure, or the points can be used for the cost of settlement when purchasing a product or the like.

  Here, the will information on the will of the user 1 to contribute is stored in the user intention information registration unit 14 in advance. The will information indicates whether the user 1 wants to donate a part of the advertising expenses originally returned to the user to the donation destination 5 and, if so, how much to donate. It is information. That is, the will information is information on whether or not the user wishes to use a part of the advertising expenses obtained from the advertiser 6 for donation, and is distributed to the donation destination 5 for the amount of the advertising expenses obtained from the advertiser 6. This is information on the ratio of the amount of money, that is, information on the donation ratio. The user 1 can select the donation ratio from numerical values set in stages, such as 90%, 80%, 70%, 60%, 50%, or the user 1 himself / herself desires. It is also possible to set to any numerical value.

  When the user 1 performs initial input of authentication information such as a credit card, a debit card, and a bank account, the user 1 transmits the information together with the authentication information of the initial input. With such an initial input, the settlement processing means 11 permits the subsequent settlement from the user 1. In addition, after the initial input, the user 1 can also appropriately input the correction information when the user 1 performs a correction input as necessary. That is, even if the user does not want to donate at the time of the initial input, when the intention changes, the user can input the desired donation by the correction input. At the time of the correction input indicating that the donation is desired, the donation ratio can be freely set.

In addition, the donation destination registration unit 15 stores information on an organization (including a company or an organization) constituting the donation destination 5 which has made a contract with the settlement company 2 in advance. A large number of donation destinations 5 are registered, and the donation destination registration means 15 displays information of the registered donation destinations 5 from the registered information of the donation destinations 5 in accordance with the payment product of the user 1 or the provided product information. The corresponding donation destination 5 is determined from the registered destinations disclosed in advance according to the advertisement information. Here, in the donation destination registration unit 15, the contents of the advertisement provided to the user 1 or the settlement of the user 1 and the information of the corresponding donation destination 5 are stored as information cooperating with each other. For example,
Settlement product A (or product information A) => Donation destination organization A Settlement product B (or product information B) => Donation destination organization A Settlement product C (or product information C) => Donation destination organization C Settlement product The corresponding donation destination 5 is determined according to the settlement product such as D (or product information D) => donation destination organization d. Note that the contract with various institutions that constitute the donation destination 5 is not limited to the case where the settlement company 2 makes a contract, and a person other than the settlement company 2, for example, a person who has made a contract with the settlement company 2 can make a contract with the donation destination 5. A contract or registration may be made.

  Then, the advertising expense distribution means 16 sets the previously disclosed donation destination 5 as a distribution destination of the advertising expense, and performs a donation process to the distribution destination 5 serving as the distribution destination. The donation process can be performed by giving points to the donation destination 5 or remitting cash. At this time, the management server 4 or the settlement company 2 may transmit the donation distribution record indicating that the donation to the donation destination 5 is completed to the user 1.

  That is, the advertising expense distribution means 16 distributes a part of the advertising expense contributed by the advertiser 6 to the donation destination 5 registered in the donation destination registration means 15 based on the registered information from the user 1 registered in advance. Then, all or a part of the remainder is returned to the user 1. Here, the administrator of the management server 4 (the settlement company 2 in this embodiment) can collect a part of the remaining advertising expenses as expenses. For example, if the will information is 60% of the advertising cost of 100 points contributed by the advertiser 6, 60 points will be distributed to the donation destination 5, and the administrator of the management server 4 will receive the remaining 40 points. 10 points (if the cost is set to 10%) are collected, and the remaining 30 points are returned to the user 1.

  The donation ratio is set to a specified value (for example, 60% or the like) at the time of initial input. If the user 1 does not particularly want to change, the specified value is determined as the donation ratio. Further, when the user 1 desires a donation ratio other than the specified value, the user 1 can determine the donation ratio to any desired numerical value. Further, the user 1 can appropriately change and register this by a subsequent correction input performed after the initial input. Further, it is also possible to set a different donation ratio depending on the donation destination 5 or the type of the donation destination 5. For example, depending on the region of the donation destination 5, it is possible to set 60% for the donation destination 5 based in Japan and 50% for the donation destination 5 based overseas. . Further, depending on the field of the donation destination 5, it may be 80% for the donation destination 5 in the medical field, 50% for the other donation destinations 5, and the like.

  In this embodiment, the content of the advertisement provided to the user 1 or the settlement of the user 1 and the corresponding donation destination 5 are registered in a one-to-one relationship, but the present invention is not limited to this embodiment. A plurality of donation destinations 5 may be linked to one advertisement information or one settlement product.

Further, the number of the donation destinations 5 may be changed according to the amount of the advertising expenses contributed by the advertiser or according to the total amount of the contributions distributed to the donation destinations 5. If the amount of advertising expenses and the amount of donation handled in one procedure is large, even if the donation is distributed to many donation destinations 5, each donation destination 5 can obtain sufficient donation. is there. Further, in the case of a setting in which the advertising cost changes in accordance with the settlement amount, for example, in the case of a setting in which the larger the settlement amount is, the larger the amount of the advertising cost is, if the setting of the donation destination 5 is made in accordance with the settlement amount, The number may change. For example, depending on the payment amount handled in one procedure,
1,000,000 yen or more: 5 donations 5 places 500,000 yen or less and less than 1,000,000 yen: 4 donations 5 places 300,000 yen or more and less than 500,000 yen: 3 places 5 donations 3 places 100,000 yen Less than 300,000 yen: The number of donation destinations 5 is two places Less than 100,000 yen: The number of donation destinations 5 can be one place or the like. Further, instead of the payment amount set in stages, the amount of advertising expenses and the amount of donations handled in one procedure are set in stages, and the number of donation destinations 5 is determined according to the stage. Is also good.

  As described above, when there are a plurality of donation destinations 5 that cooperate with one advertisement information or one settlement product, the advertisement cost distribution unit 16 determines the amount distributed to each of the registered plurality of donation destinations 5. Is determined according to the distribution ratio of each of the donation destinations 5 registered in advance. Here, the distribution ratio for each donation destination 5 registered in advance defines a distribution ratio between the plurality of donation destinations 5 according to the type of the donation destination 5. Depending on the area, if there is a mixture of the donor 5 based in the local area of the user 1 and the donor 5 based in other areas, 60% is assigned to the local donor 5 and the other It is possible to set the donation destination 5 to 40% or the like. This distribution ratio can be registered by the user 1 at the time of initial input, and the distribution ratio can be corrected later.

  As described above, according to the present invention, at the time of payment such as cashless payment, the user 1 can acquire cashback commensurate with receiving the advertisement by receiving the advertisement, and can perform automatic Can contribute to society through social contributions. The settlement company 2 is expected to increase the number of registrations of the user 1 by giving all users 1 performing settlement the practical advantage of cashback associated with the provision of the advertisement, and eventually with the service provider 5 Is expected to increase. Advertiser 6 is able to deliver effective advertisements to high-quality users 1 who are interested in social contributions, and at the same time, to improve corporate brand image because a portion of advertising expenses is used for donations. Contribute.

  As described above, according to the present invention, since each of the user 1, the settlement company 2, and the advertiser 6 has advantages, it is possible to establish a recycling-based business model that can continuously contribute to society through donations. As another effect, an increase in the number of users 1 who purchase goods and services by cashless payment can contribute to the spread of cashless payment promoted by the Ministry of Economy, Trade and Industry. In addition, gold and goods distributed around the world will be distributed more to the poor living around the world, and it is expected that the gap between rich and poor will be corrected and opportunities will be balanced.

  Conventionally, a general service provider that provides online cashless payment using a network provides the user 1 with the provision of the advertisement in response to the provision of the advertisement information (display of the advertisement). Cashback was not made in line with the consideration. The reason is that there are very few cash (money) and point dealers in the market themselves, and other companies have an account for cashback that is worth the price of advertising, Since it is necessary for the user 1 to open the connection, it is considered that there is no cashback mechanism that is worth the price of providing the advertisement as in the present invention because of the complicated procedure. According to the present invention, in the settlement system 10 for e-commerce via a network, a cashback is provided to the user 1 in proportion to the price of providing an advertisement to the user 1, and a part of the cashback is automatically set. It is unique in that it is donated.

1 user (user terminal)
2 settlement company (settlement terminal)
3 service person (service person terminal)
4 Management server 5 Donation destination (donation destination terminal)
6 Advertisers (advertiser terminals)
10 payment system 11 information providing means (payment processing means)
12 advertisement providing means 13 advertisement cost calculation means 14 user will information registration means 15 donation destination registration means 16 advertisement cost distribution means

Claims (6)

In the settlement system used in electronic commerce through the network (10), and providing information relating to the electronic commerce with respect to the user (1) on the basis of the information transmitted from the user (1), information to be the originating Information providing means (11) for performing settlement related to the electronic commerce based on
Advertisement providing means (12) for providing an advertisement to the user (1) according to the transmitted information or the content of the provided information;
Advertising cost calculation means (13) for calculating an advertising cost obtained from an advertiser (6) of the advertisement based on the advertisement provided to the user (1);
User's intention information registration means (14) for storing intention information on the intention of donation by the user (1);
Donation destination registration means (15) for storing information on the destination (5);
Based on the will information, a part of the advertising expenses is distributed to the donation destination (5) registered in the donation destination registration means (15), and the whole or a part of the remainder is returned to the user (1). Advertising cost distribution means (16);
Payment system with a donation function that includes Before Symbol advertisement providing means (12), the settlement system with a donation, as in claim 1 to provide an advertisement to the user (1) in accordance with the content of the settlement. The donation function according to claim 1 or 2, wherein the will information is information of a ratio of an amount distributed to the donation destination (5) to an amount of the advertisement cost obtained from the advertiser (6). Payment system. The donation destination registration means (15) has information for linking the content of the advertisement or the settlement with the donation destination (5),
The donation according to any one of claims 1 to 3, wherein the advertisement cost distribution means (16) determines the donation destination (5) associated with the content of the advertisement or the settlement as a distribution destination of the advertisement cost. Payment system with functions.   When there are a plurality of the donation destinations (5) associated with the contents of the advertisement or the settlement, the advertisement cost distribution means (16) determines the amount of the amount distributed to each of the plurality of the donation destinations (5). The settlement system having a donation function according to claim 4, wherein the ratio is determined according to a distribution ratio for each of the donation destinations (5) registered in advance. The information providing means (11) permits subsequent settlement by initial input of authentication information from the user (1),
The donation according to any one of claims 1 to 5, wherein the user's intention information registration unit (14) requests the input of the intention information at the time of the initial input or at the time of a correction input after the initial input. Payment system with functions.

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