JP6814308B2 - Payment management system and payment management method - Google Patents

Description

The present invention relates to a payment management system and a payment management method.

In recent years, various payment methods have been proposed due to advances in financial technology, and the existence and conditions of fees, points, cash back, etc. differ for each such payment method.

It would be nice for consumers to understand all of the above-mentioned existence and conditions and to be able to select the appropriate one for each payment opportunity, but it is difficult and extremely complicated to actually make such a selection.

Therefore, as a conventional technique for providing a suitable payment service according to a payment opportunity, for example, a dynamic payment processing system that changes the content of the payment processing according to a payment occasion, and uses information on payment using a payment card. Information about the payment information acquisition method for acquiring certain payment information, the payment occasion information set as information on the scene / situation of payment using the payment card, and the content of the payment process associated with the payment occasion information. The payment corresponding to the payment occasion information satisfied by the payment information acquired by the payment information acquisition means from the payment processing information management means for storing the payment processing information and the payment processing information stored in the payment processing information management means. A dynamic payment processing system including a payment processing information acquisition means for acquiring processing information and a payment processing means for performing payment processing based on the payment processing information acquired by the payment processing information acquisition means (see Patent Document 1). Etc. have been proposed.

Japanese Unexamined Patent Publication No. 2017-21668

Like the conventional technology, a technology that makes payment management from the user's point of view suitable has been proposed. However, from the perspective of the payment method provider, there are other issues.

For example, even if a store operator introduces and operates a payment method (eg, cash register, various readers, lines, etc.) at a reasonable cost, the appropriate consumer desires payment by designating the payment method. If they do not, the utilization rate of payment methods will decline, and it may be difficult to expect an increase in store sales themselves.

In addition, in stores where there are problems with the introduction and operation of such payment methods, there are many cases where the customer attraction system does not exist or does not function, and the mechanism itself for increasing sales starting from attracting customers cannot be expected.

Therefore, an object of the present invention is to provide a technique for efficiently improving the usage status of payment means in a store and activating transactions at the store.

Settlement management system of the present invention to solve the above problems, a storage device holding a transaction history with a predetermined payment means in each of the multiple stores, indicated by the transaction history, the transaction status by the payment means in the plurality store, if it conforms to a predetermined condition at a predetermined rule in accordance with the condition, see contains an arithmetic unit, a specifying the contents of incentives to be issued with respect to the store included in the multiple stores, the computing device, the plurality shops As the transaction status by the payment means in the above, the total value of at least one of the amount and the number of times traded by the payment means at each of the plurality of stores is calculated, and the total value is used as a reference regarding the usage level of the payment means. It collates, specifies the usage level for the plurality of stores as the above conditions, and specifies the content of the incentive issued for the stores included in the plurality of stores according to the predetermined rules predetermined according to the usage level. In specifying the content of the incentive, when the usage level exceeds the predetermined standard, the content of the incentive issued for the stores included in the plurality of stores is reduced from the predetermined specified value, and the usage level sets the predetermined standard. When it falls below the limit, the content of the incentive issued for the stores included in the plurality of stores is expanded from a predetermined specified value .
Further, in the other payment management system of the present invention, a storage device that holds a transaction history by a predetermined payment means in each of a plurality of stores and a transaction status by the payment means in the plurality of stores indicated by the transaction history are predetermined. If the conditions are met, the calculation device includes a calculation device that specifies the content of the incentive to be issued for the stores included in the plurality of stores according to a predetermined rule according to the conditions, and the calculation device is included in the transaction history. , Perform a correlation analysis based on the group of stores with the specified attributes and the transaction details made within the specified time at each store in the group, and continuously visit the stores in the group of stores with the specified attributes. The correlation coefficient for the event in which the transaction is made is specified, and the content of the incentive for the store is reduced according to the magnitude of the correlation coefficient for the pair of the store and the adjacent store of the store. It is characterized by.

Another aspect of the settlement management method of the present invention, an information processing system including a storage device that holds the transaction history with a predetermined payment means in each of the plurality store, indicated by the transaction history, the payment means in the plurality store If trading conditions due is compatible with the predetermined condition at a predetermined rule in accordance with the conditions to identify the contents of the incentive to be issued with respect to the store included in the multiple stores, trading conditions by the payment means in the plurality store As a result, the total value of at least one of the amount and the number of transactions traded by the payment means at each of the plurality of stores is calculated, the total value is collated with the standard regarding the usage level of the payment means, and the total value is related to the plurality of stores. In specifying the usage level as the condition, specifying the content of the incentive to be issued for the stores included in the plurality of stores, and specifying the content of the incentive according to a predetermined rule predetermined according to the usage level, the above-mentioned When the usage level exceeds the predetermined standard, the content of the incentive issued for the stores included in the plurality of stores is reduced from the predetermined specified value, and when the usage level falls below the predetermined standard, the incentive is included in the plurality of stores. The feature is that the content of the incentive issued for the store is expanded from the predetermined specified value .
Further, in another payment management method of the present invention, an information processing system including a storage device for holding a transaction history by a predetermined payment means in each of a plurality of stores indicates the payment means in the plurality of stores. If the transaction status of the store meets the specified conditions, the content of the incentive to be issued for the stores included in the multiple stores is specified according to the specified rules according to the conditions, and the stores with the specified attributes in the transaction history. Correlation analysis is performed based on the group of stores and the contents of transactions performed within a predetermined time at each store in the group, and a transaction is made by continuously visiting the stores in the group of stores with a predetermined attribute. The feature is that the content of the incentive for the store is reduced according to the magnitude of the correlation coefficient for the pair of the store and the adjacent store of the store.

According to the present invention, it is possible to efficiently improve the usage status of payment means in a store and activate transactions at the store.

It is a network block diagram including the payment management system of this embodiment. It is a figure which shows the hardware configuration example of the payment management system in this embodiment. It is a figure which shows the data structure example of the POS transaction history information of this embodiment. It is a figure which shows the data structure example of the member store management information of this embodiment. It is a figure which shows the data structure example of the user information of this embodiment. It is a figure which shows the data structure example of the coupon issuance rule information of this embodiment. It is a figure which shows the data structure example of the coupon issuance target store information of this embodiment. It is a figure which shows the data structure example of the area scoring information of this embodiment. It is a figure which shows the data structure example of the non-cash area score coupon adjustment information of this embodiment. It is a figure which shows the data structure example of the member store correlation coefficient information of this embodiment. It is a figure which shows the data structure example of the member store correlation coupon adjustment information of this embodiment. It is a figure which shows the data structure example of the remaining time coupon adjustment information of this embodiment. It is a figure which shows the data structure example of the settlement balance coupon adjustment information of this embodiment. It is a figure which shows the flow example 1 of the settlement management method in this embodiment. It is a figure which shows the flow example 2 of the settlement management method in this embodiment. It is a figure which shows the image example of area scoring in this embodiment. It is a figure which shows the flow example 3 of the settlement management method in this embodiment. It is a figure which shows the flow example 4 of the settlement management method in this embodiment. It is a figure which shows the flow example 5 of the settlement management method in this embodiment. It is a figure which shows the flow example 6 of the settlement management method in this embodiment. It is a figure which shows the screen example in this embodiment.

--- Network configuration ---
Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings. FIG. 1A is a network configuration diagram including the payment management system 100 of the present embodiment. The payment management system 100 shown in FIG. 1 is a computer system that efficiently improves the usage status of payment means in a store and activates transactions in the store.

In the present embodiment, a credit card is assumed as an example of the payment means, and the explanation will be given. Of course, the payment method is not limited to credit cards, and any non-cash payment method such as a debit card or prepaid card can be applied.

As illustrated in FIG. 1, the payment management system 100 of the present embodiment is connected to each of the payment terminal 200, the card issuing company system 300, and the user terminal 400 so as to be capable of data communication via an appropriate network.

Of these, the payment terminal 200 is not particularly limited in the implementation form, but as an example, a POS terminal provided in each store can be assumed. The payment terminal 200, which is a POS terminal, identifies the price by reading a product tag or the like, and executes a reading operation for a credit card (presented by a customer) by the card reading unit 201.

The payment terminal 200 transmits the card information and the price value obtained in this way to the payment management system 100 via the dedicated line 10 as billing information.

On the other hand, the payment management system 100 receives the above-mentioned billing information, refers to the card number included in the billing information by the payment switch unit 106, identifies the issuing entity, and then the system of the relevant card issuing company, that is, the card. The billing information will be distributed to the issuing company system 300 via the dedicated line 10.

The card issuing company system 300 receives the above-mentioned billing information, executes a predetermined credit process called so-called authority for the card, and returns the result to the payment terminal 200 through the payment management system 100 as payment availability.

The series of authorization processing itself through the payment management system 100 and the card issuing company system 300, which is caused by the billing information from the payment terminal 200 of the store, is the same as that performed by the existing payment system.

On the other hand, the user terminal 400 is a terminal that connects to the payment management system 100 via a network 11 such as the Internet and receives a predetermined application distribution.

More specifically, it is a terminal held by a consumer who purchases a product or service at a store or the like equipped with a payment terminal 200, and various mobile terminals such as a smartphone and a tablet terminal can be assumed.

This consumer activates the application distributed from the payment management system 100 on the user terminal 200 and operates it appropriately, and is given incentives such as discounts, special treatments, and cash back for purchases among various stores. A person who can browse store information and reflect it in actual consumption behavior such as store selection.

Therefore, the user terminal 400 holds the GPS unit 403 in addition to the above-mentioned application 401, and displays a map corresponding to the current position of the consumer specified by the GPS unit 403 on the application 401. Further, on this map, the coupon confirmation unit 402 of the application 401 arranges and displays the icon of the nearest store to which the incentive is provided and the information of the incentive at the store. The information arranged and displayed here is distributed by the payment management system 100.
--- Hardware configuration ---
Further, the hardware configuration of the payment management system 100 of the present embodiment is as shown in FIG. 1B.

The payment management system 100 includes a storage device 101, a memory 103, an arithmetic device 104, and a communication device 105.

Among the above, the storage device 101 is a device composed of an appropriate non-volatile storage element such as an SSD (Solid State Drive) or a hard disk drive.

Further, the memory 103 is a device composed of a volatile storage element such as a RAM.

Further, the arithmetic unit 104 is a CPU that executes the program 102 held in the storage device 101 by reading it into the memory 103 to perform overall control of the apparatus itself, and also performs various determinations, arithmetic operations, and control processes.

Further, the communication device 105 is a network interface card that is connected to the networks 10 and 11 and is responsible for communication processing with other devices such as the payment terminal 200, the card issuing company system 300, and the user terminal 400.

In addition to the above configuration, the payment management system 100 may further include an input device that accepts key input and voice input from the user, and an output device such as a display that displays processing data.

Further, in the storage device 101, in addition to the program 102 for implementing the function required as the payment management system of the present embodiment, POS transaction history information 115, member store management information 116, user information 117, coupon issuance rule Information 118, coupon issuance target store information 119, area scoring information 120, non-cash decision area score coupon adjustment information 121, member store correlation coefficient information 122, member store correlation coupon adjustment information 123, remaining time coupon adjustment information 124, and At least the settlement balance coupon adjustment information 125 is stored. However, the details of this information will be described later.

Further, the functions implemented by executing the program 102 include a payment switch unit 106, a member store management unit 107, a coupon issuing engine 108, a data analysis engine 109, and an application management unit 110.

Of these, the payment switch unit 106 is a function of identifying the corresponding card issuing company system 300 based on the card information obtained from the payment terminal 200 and delivering billing information to the card issuing company system 300, as described above.

Further, the member store management unit 107 is a store provided with the payment terminal 200, and is a function of managing the information of the above-mentioned credit card member store. Specifically, the information of each member store is managed by the member store management information 116 described later.

In addition, the coupon issuing engine 108 is a function of managing the issuance of coupons given as incentives when the member stores are used. The coupon issuing engine 108 cooperates with the data analysis engine 109 to form the main function of the payment management system 100.

Further, the data analysis engine 109 is a function of providing information necessary for the coupon issuing engine 108 described above to manage the issuance of coupons. Specifically, it is determined whether the transaction status by credit card payment at the store group located in the predetermined area, which is shown by the transaction history of each member store, meets the predetermined conditions, and according to the predetermined rules according to the applicable conditions. , Specify the content of the coupon issued for the predetermined store included in the store group. Details of such processing will be described later.

Further, the application management unit 110 is a function of holding an application 401 to be distributed to the user terminal 400 and distributing the application 401 in response to a request from the user terminal 400.
--- Data structure example ---
Subsequently, the information used by the payment management system 100 of the present embodiment will be described. FIG. 2 shows an example of the POS transaction history information 125 in this embodiment.

The POS transaction history information 125 is a table in which billing information sent from the payment terminal 200 of each member store is appropriately aggregated and accumulated for each payment terminal of each member store.

The data structure uses the store name, MID (store ID), and TID (ID of the payment terminal 200) that uniquely identify the member store as keys, and the payment terminal 200 has a predetermined period (eg, the latest one month). , The total settlement amount (total value of the price settled by credit card settlement), and the total number of settlements (number of credit card settlement opportunities), which is a collection of records associated with each other.

Further, FIG. 3 shows an example of the member store management information 116 of the present embodiment. The member store management information 116 uses the MID (common with the POS transaction history information 115) and the store name that uniquely identifies the member store as keys, and the address, area classification, MCC, total payment amount, and total number of payments of the member store. , And a collection of records associated with values such as merchant scores.

Of these, the area classification is the value of "urban" or "countryside" specified by the member store management unit 107 by applying the value in the "address" column to a predetermined determination rule. The rule in this case is held by the member store management unit 107, and as an example, a list of addresses belonging to "urban area" and a list of addresses belonging to "countryside" are applicable.

In addition, the MCC is a store type category code specified in advance by the card issuing company, and is included in the information obtained from the member store when the member store management department 107 registers the information of the member store.

In addition, the total settlement amount is the total amount of payment at each settlement opportunity that occurred at the relevant member store for a predetermined period such as the latest one month, and specifically, the total settlement amount at the relevant member store in the POS transaction history information 115. It is the aggregated value of the "total payment amount" for each payment terminal.

In addition, the total number of payments is the total number of payment opportunities that occurred at the relevant member store for a predetermined period such as the latest one month. Specifically, each payment at the relevant member store in the POS transaction history information 115. It is the aggregated value of the "total number of payments" for the terminal.

The member store score is the score of the member store determined by the data analysis engine 109 based on each value of the total payment amount and the total number of payments. Specifically, the higher the total payment amount and the total number of payments, the higher this score.

Further, FIG. 4 shows an example of data configuration of the user information 117 of the present embodiment. This user information 117 is a table in which information on the possessed card and the coupon acquisition status is accumulated for each consumer who has purchased a product or service at the above-mentioned member store.

The data structure is a collection of records associated with values such as credit card information held by the consumer and used for payment, and a coupon acquisition status, using a user name that uniquely identifies the consumer as a key.

Further, FIG. 5 shows a data configuration example of the coupon issuance rule information 118 of the present embodiment. The coupon issuance rule information 118 is a table in which coupon issuance rules are stored.

The data structure uses the rule name that uniquely identifies the rule as a key, and the priority, condition, target settlement amount, target settlement income, coupon issuance ticket size, coupon expected value in settlement unit, and settlement unit. It is a collection of records associated with values such as actual coupons and affiliated cards.

Of these, the priority is the priority of application among the rules.

The conditions are the conditions for applying the coupon.

The target settlement amount is the target settlement amount for issuing coupons based on the rule.

The target settlement revenue is the target settlement revenue for issuing coupons based on the rule. The settlement revenue is, for example, a commission collected by the settlement management system 100 in connection with the settlement opportunity of the above-mentioned target settlement amount.

The coupon issuance ticket size is a unit of payment amount corresponding to coupon issuance.

In addition, the expected coupon value for each payment unit is the content of the incentive indicated by the coupon, that is, the upper limit of the cashback amount.

Further, the actual coupon in the payment unit is the content of the coupon to be issued with respect to the payment amount of the coupon issuance ticket size, that is, the cashback amount.

In addition, the affiliated card is a credit card that must be used for payment, which is a condition for obtaining an incentive for the coupon.

Further, FIG. 6 shows a data configuration example of the coupon issuance target store information 119 of the present embodiment. The coupon issuance target store information 119 is a table that stores information on the relevant member store and the coupon to be issued for the member store, which is specified by the above-mentioned coupon issuance rule information 118.

The data structure corresponds to values such as store name, address, area, area classification, issued coupon, number of issued coupons, and cashback amount of the member store, using the MID that uniquely identifies the member store to which the coupon is issued as a key. It is a collection of attached records.

Of these, the area is the area to which the address of the member store belongs. As this area, for example, it can be assumed that a map of a predetermined area is divided by a rectangular area having a predetermined area.

In addition, the area division indicates whether the area is urban or rural, and is common to the area division of the member store management department 107.

Further, the issued coupon is a coupon name of the coupon specified for the member store based on the above-mentioned coupon issuing rule information 118.

The number of issued coupons is the number of coupons issued for the member store. For this value, the payment management system 100 receives the instruction to use the corresponding coupon in the application 401 of the user terminal 400 and the usage information of the corresponding coupon in the member store by the corresponding device (user terminal 400, payment terminal 200 of the member store, etc.). It is a value that is incremented each time it is obtained from.

In addition, the cashback amount is the content of the incentive for the coupon, and at the stage where no modification or the like (processing in flow example 4 described later) is performed, the "payment unit" in the corresponding coupon of the coupon issuance rule information 118 The value of the cashback amount of "Coupon" is set as the default value.

Further, FIG. 7 shows a data configuration example of the area scoring information 120 of the present embodiment. The area scoring information 120 is a table that stores information about each area set in the above-mentioned coupon issuance target store information 119.

The data structure is a collection of records in which values such as period, total settlement amount, total number of settlements, and non-cash area score are associated with an area as a key.

Of these, the period is the acquisition period of the information to be processed for the area. This information is each information of the total settlement amount, the total number of settlements, and the member store score in the corresponding period in the member store management information 116.

The total settlement amount is the total settlement amount at each member store in the area (the aggregated value of the total settlement amount of the corresponding member stores in the member store management information 116).

The total number of payments is the total number of payments at each member store in the area (total value of the total number of payments of the corresponding member stores in the member store management information 116).

The non-cash area score indicates the degree of penetration of credit card payment opportunities in the relevant area based on the total payment amount and the total number of payments.

Further, FIG. 8 shows a data configuration example of the non-cash area score coupon adjustment information 121 of the present embodiment. This non-cash area score coupon adjustment information 121 specifies the coupon content once specified based on only the coupon issuance rule information 118 (that is, the total settlement amount and the city center / countryside of the corresponding area specified in the "conditions"). Information to be adjusted according to the non-cash area score in.

The data structure is a collection of records in which a condition is used as a key and the correction value of the coupon content under the condition is associated with the condition. In the example of FIG. 8, as a condition, a value for reducing / increasing the cashback amount is specified as a correction value for the range of the non-cash area score.

Further, FIG. 9 shows a data configuration example of the member store correlation coefficient information 122 of the present embodiment. The member store correlation coefficient information 122 is a table that stores a correlation coefficient corresponding to the strength of continuity of visits and purchases associated therewith between stores adjacent to each other.

The data structure is a collection of records in which a set of MCCs (MCC1 and MCC2) corresponding to an industry forming a correlation set is used as a key and a correlation coefficient is associated with the set of MCCs.

In the example of FIG. 9, regarding the industry set of general store and cafe, the correlation coefficient indicating the strength of continuity of visits and purchases associated with the adjacent stores in the industry is "0.6". It is stipulated.

Further, FIG. 10 shows an example of data configuration of the member store correlation coupon adjustment information 123 of the present embodiment. This member store correlation coupon adjustment information 123 is the coupon content once specified based on only the coupon issuance rule information 118 (that is, the total settlement amount and the city center / countryside of the corresponding area specified in the "conditions"), or this coupon content. Is corrected based on the above-mentioned non-cash area score coupon adjustment information 121, and the member store score in the adjacent store of the member store to be processed and the correlation coefficient between the member store and the adjacent store are used. The information to be adjusted according to the above is specified.

The data structure is a collection of records in which a condition is used as a key and the correction value of the coupon content under the condition is associated with the condition. In the example of FIG. 10, as a condition, a value of reduction / increase of the cashback amount is specified as a correction value with respect to the range of the member store score of the adjacent store.

Further, FIG. 11 shows a data configuration example of the remaining time coupon adjustment information 124 of the present embodiment. The remaining time coupon adjustment information 124 is the coupon content once specified based on only the coupon issuance rule information 118 (that is, the total settlement amount and the city center / countryside of the corresponding area specified in the "conditions"), or this coupon content. Is corrected based on the above-mentioned non-cash area score coupon adjustment information 121, or these coupon contents are corrected based on the above-mentioned member store correlation coupon adjustment information 123, such as from the present to the end of the month or the end of the fiscal year. Information to be adjusted according to the remaining period until the predetermined target date is specified.

The data structure is a collection of records in which a condition is used as a key and the correction value of the coupon content under the condition is associated with the condition. In the example of FIG. 11, as a condition, a value of reduction / increase of the cashback amount is defined as a correction value with respect to the above-mentioned range of the remaining period.

Further, FIG. 12 shows an example of data configuration of the settlement balance coupon adjustment information 125 of the present embodiment. This payment balance coupon adjustment information 125 is the coupon content once specified based on only the coupon issuance rule information 118 (that is, the total payment amount and the city center / countryside of the corresponding area specified in the "conditions"), or this coupon content. Was corrected based on the above-mentioned non-cash area score coupon adjustment information 121, or these coupon contents were corrected based on the above-mentioned member store correlation coupon adjustment information 123, or these coupon contents were corrected based on the above-mentioned remaining time coupon adjustment. Information that adjusts any of the corrections based on the information 124 according to the amount of non-achievement of the target settlement amount set in advance for each area or member store is specified.

The data structure is a collection of records in which a condition is used as a key and the correction value of the coupon content under the condition is associated with the condition. In the example of FIG. 12, as a condition, a value of reduction / increase of the cashback amount is defined as a correction value with respect to the above-mentioned range of the unreached amount.
--- Flow example 1 (main flow) ---
Hereinafter, the actual procedure of the payment management method in the present embodiment will be described with reference to the figure. Various operations corresponding to the payment management method described below are realized by a program read by the payment management system 100 into a memory or the like and executed. The program is composed of code for performing various operations described below.

FIG. 13 is a diagram showing a flow example 1 of the payment management method in the present embodiment. Here, first, the main flow in the payment management method will be described.

First, the payment management system 100 executes scoring, that is, payment terminal scoring, with respect to the payment terminal 200 provided in each member store (s1). The details of this payment terminal scoring will be described later based on FIG.

Subsequently, the payment management system 100 determines, among the member stores, the store to which the coupon is issued, based on the result of the payment terminal scoring in s1 described above (s2). Details of the determination of the coupon issuance target will be described later based on FIG.

In addition, the payment management system 100 determines the content of the issued coupon for the member store to which the coupon is issued determined in s2 (s3). Details of the coupon value determination will be described later based on FIGS. 16 and 17.

Subsequently, the payment management system 100 distributes and displays the coupon information whose issuance target and contents have been determined up to s3 to the application 401 of the user terminal 400 (s4), and ends the process.

Hereinafter, details of each of the above-mentioned processes of s1 to s4 will be described.
--- Flow example 2 (Payment terminal scoring flow) ---
FIG. 14A shows a flow example 2 of the payment management method in the present embodiment. In this case, the payment management system 100 aggregates each value of the total payment amount and the total number of payments for each payment terminal of each member store indicated by the POS transaction history information 115 for each member store, and in the member store management information 116. The member store score is calculated by calculating the "total settlement amount" and the "total number of settlements" respectively (s10).

For example, the total settlement amount is 5 points in the range of 0 to 100 yen, 10 points in the range of 101-200 yen, 20 points in the range of 201-500 yen, and 501-3000 yen. 30 points in the range, 40 points in the range of 3001-20000 yen, 50 points in the range of 20001 yen or more, and 5 points in the range of 0 to 2 times, 10 points in the range of 3 to 9 times, 10 points Under the rule of 20 points in the range of ~ 20 times, 30 points in the range of 21 to 50 times, 40 points in the range of 51 to 100 times, 50 points in the range of 101 times or more, the total payment amount and the total number of payments, respectively. It is possible to assume a form in which the points for are summed up and used as a member store score.

Subsequently, the payment management system 100 is predetermined in a predetermined length unit (eg, one corresponding to a distance that divides a city into several parts) as illustrated in the area scoring image 1400 in FIG. 14B. The corresponding area in the map information of is divided into a grid pattern, and a rectangular area is generated as a settlement area 1401 (s11).

Further, the payment management system 100 identifies the member stores located in the above-mentioned payment area 1401 by collating the value of the address field in the member store management information 116 with the above-mentioned map information, and makes a total settlement of the corresponding member stores. The amount and the total number of payments (calculated according to the calculation of the member store score of s10) are totaled for a predetermined period, and the non-cash area score is calculated based on the totaled value (s12).

In calculating this non-cash area score, for example, the total settlement amount for the relevant settlement area 1401 is 5 points in the range of 0 to 5000 yen, 10 points in the range of 5001-15000 yen, and 15 points in the range of 1501 to 30000 yen. 20 points in the range of 30001 to 60,000 yen, 35 points in the range of 60001 to 100,000 yen, 50 points in the range of 100001 yen or more, and 5 points in the range of 0 to 200 times, 201 to 1000 times Total settlement amount under the rules of 10 points in the range, 20 points in the range of 1001-15000 times, 30 points in the range of 15001 to 3000 times, 40 points in the range of 3001 to 5000 times, 50 points in the range of 5001 times or more. It is possible to assume a form in which the points for each of the total number of payments are totaled to obtain a non-cash area score.

Subsequently, the settlement management system 100 stores the non-cash area score calculated in s12 in the "non-cash area score" column in the area scoring information 120 (s13).

Further, the payment management system 100 refers to the total payment amount between the member stores belonging to the combination of the member store management information 116 for each MCC unit of each member store located in the same payment area (preferably adjacent). Is executed by, for example, an algorithm for correlation analysis held by the data analysis engine 109, the analysis result is stored in the member store correlation coefficient information 122 (s14), and the process is terminated.

For example, a pair of a member store located in a certain payment area 1401 and having a value corresponding to a general store and a member store having a value corresponding to a cafe is determined based on the member store management information 116. Generate a number and analyze the strength of the relationship of the total settlement amount (eg, related to the same day) of each member store that composes each group as a correlation coefficient. In other words, there is a positive correlation in which the total settlement amount for each day is high, or a negative correlation in which the total settlement amount for each day is low in each of a certain type of member store and a certain type of member store. Determine the degree of correlation, or whether the total settlement amount for each day is inconsistent in the relevant type of group.

The non-cash area score and the correlation coefficient identified in this way will be appropriately utilized in the subsequent coupon value determination flow.
--- Flow example 3 (Flow for determining coupon issuance target) ---
Next, the procedure for determining the coupon issuance target will be described. In this case, the payment management system 100 refers to the coupon issuance rule information 118, and sets the "conditions" in the order of "priority"("1" is the highest priority), and the total payment amount and area classification at each member store. (Acquired from member store management information 116) and sequentially compared with each information (s20).

For example, the area classification "city" in the member store of MID "123" in the member store management information 116, the total settlement amount "400" yen, and the condition "POS transaction" in the rule of priority "1" in the coupon issuance rule information 118. When collated with "the total amount is 0 yen or less", the condition of the rule matches the situation of the corresponding member store.

In addition, the area classification "city" in the above-mentioned member store, the total settlement amount "400" yen, and the condition "in the city center area, the total transaction amount of POS is 40,000 yen" in the rule of priority "2" in the coupon issuance rule information 118. When collated with "below", the condition of the rule does not match the situation of the corresponding member store.

As a result of the above comparison, if it is found that none of the rules in the coupon issuance rule information 118 for the member store to be processed match (s21: the conditions are not met), the payment management system 100 does not issue the coupon. Is determined (s22), and the process is terminated.

On the other hand, as a result of the above comparison, when it is found that the member store to be processed matches any of the rules in the coupon issuance rule information 118 (s21: matches the conditions), the payment management system 100 determines. It is determined whether the "target settlement income" in the corresponding rule can be achieved (s23).

In making this determination, the payment management system 100 first calculates the required number of coupons to be issued by dividing the remaining payment balance up to the value of the "target payment amount" in the corresponding rule by the value of the "coupon issuance ticket size". .. Here, the remaining settlement balance corresponds to the value obtained by subtracting the value of the total settlement amount at the relevant member store (extracted from the member store management information 116) from the value of the "target settlement amount" of the rule.

For example, suppose that it can be determined in s20 that "coupon 2" in the coupon issuance rule information 118 matches the situation of a certain member store. Further, it is assumed that the total settlement amount of the member store is "20,000 yen" according to the member store management information 116. Then, the payment management system 100 can calculate the remaining payment balance up to the value "40,000 yen" of the "target payment amount" in the rule of "coupon 2" for this member store as 40,000 yen-20000 yen = 20000 yen.

Therefore, the payment management system 100 divides the remaining payment balance "20,000 yen" by "200 yen" of the "coupon issuance ticket size" of "coupon 2" and calculates the required number of coupons to be issued as "100". become.

Further, the payment management system 100 multiplies the value of the "expected coupon value for each payment unit" in the corresponding rule by the value of the number of coupons required to be issued (hereinafter referred to as the coupon amount required to be issued) and the "target settlement revenue". Compare with the value of.

In the above example, the required coupon amount "1000" obtained by multiplying the "10" yen of the "expected coupon value for each payment unit" of "coupon 2" by the value "100" of the required number of coupons to be issued. The "yen" and the "target settlement income" value of "500" yen of the "coupon 2" will be compared.

As a result of these comparisons, if the required coupon amount to be issued, that is, the coupon issuance cost is less than or equal to the target settlement revenue (s22: OK), the settlement management system 100 decides to issue the coupon and issues the coupon information of the corresponding member store. Register in the target store information 119 (s21), and end the process.

On the other hand, as a result of the above comparison, when the required coupon amount to be issued, that is, the cost of issuing the coupon exceeds the target settlement revenue (s22: NG), the settlement management system 100 decides not to issue the coupon (s23), and processes the coupon. finish.
--- Flow example 4 (Coupon value determination flow) ---
As shown in the flow up to the above, the coupon issuance target store can be specified according to the coupon issuance rule based on the characteristics of the member store and the non-cash area 1401. Therefore, the flow for determining the contents of the coupon decided to be issued in this way will be described.

In this case, the payment management system 100 extracts the information of the member store for which the coupon is issued and the information of the issued coupon in the above-mentioned flow example 3 from the coupon issuance target store information 119 (s30).

Subsequently, the payment management system 100 refers to the member store score of the member store in the member store management information 116 and the non-cash area score of the non-cash area to which the member store belongs in the area scoring information 120 in advance. The cashback amount obtained in s30 is adjusted according to the predetermined conditions (s31).

For example, the non-cash area where the member store is located is an area where the non-cash area score is higher than the predetermined standard (example: 60), and the total settlement amount at the member store is higher than the predetermined standard (example: 1000 yen). If it is low, the cashback amount of the coupon for which the member store is issued (the amount obtained in s30) is reduced based on a predetermined rule (example: 10% less than the current value).

On the other hand, if the non-cash area where the member store is located is an area where the non-cash area score is lower than the predetermined standard (example: 30), the cash back amount (s30) of the coupon for which the member store is issued is obtained. The amount of money you have) will be increased based on the prescribed rules (example: 20% increase from the current value).

The intention of adjusting the increase or decrease in the amount of cash back is that if non-cash payments have been used frequently and are well-known in areas, non-cash payments can be made without excessively increasing incentives such as cash back. It is expected that consumers who are expecting payment will arrive, but on the other hand, in areas where non-cash payment has hardly been used so far and has not sufficiently penetrated, incentives such as cash back in issued coupons will be provided. It is based on the concept of raising it sufficiently to make it attractive and aiming to attract consumers who are oriented toward non-cash payments.

Subsequently, the payment management system 100 adjusts the cashback amount after s31 with respect to the above-mentioned member store and its adjacent store based on the member store correlation coupon adjustment information 123 (s32).

In this case, the payment management system 100 refers to the above-mentioned MCC (member store type) of the member store, the MCC (member store type) of the adjacent store, and the member store score in the member store management information 116, and this Of these, the MCC pairs of both member stores are collated with each record of the member store correlation coefficient information 122, and the correlation coefficient is acquired for the corresponding MCC pair.

Further, the payment management system 100 collates the member store score of the adjacent store and the above-mentioned correlation coefficient information with each condition in the member store correlation coupon adjustment information 123, and matches the conditions (example: member store score of the adjacent store). The cashback amount is adjusted according to the content of the correction value (example: cashback amount reduced by 2 yen) indicated by 60 or more and the correlation coefficient is 0.6 or more.

Subsequently, the payment management system 100 collates the remaining time from the present to a predetermined target date such as the end of the month or the end of the year with the remaining time coupon adjustment information 124, and the remaining time is adjusted according to the "correction value" under the corresponding conditions. , Adjust the cashback amount in the coupon for the member store (s33).

Further, the payment management system 100 refers to the remaining payment balance (obtained in s21) at the relevant member store with reference to the payment balance coupon adjustment information 125, and the remaining payment balance is determined according to the "correction value" under the corresponding condition. , Adjust the cashback amount in the coupon for the member store (s34).

Subsequently, the payment management system 100 determines whether or not the coupon has been issued in excess of the assumed issuance amount (s35).

In this case, the payment management system 100 measures the "number of coupons to be issued" in the member store management information 116 with respect to the "cumulative amount of coupons to be issued" obtained by multiplying the required number of coupons to be issued calculated in s21 by the value of the coupon issuance ticket size. Calculate the remaining planned issuance amount of the coupon by subtracting the "cumulative amount of issued coupons up to now" obtained by multiplying the value by the value of the coupon issuance ticket size. Further, the payment management system 100 calculates the "coupon issuance limit amount" by multiplying the value of the "expected coupon value in the payment unit" for the corresponding coupon in the coupon issuance rule information 118 by the above-mentioned number of issued coupons.

Then, the payment management system 100 compares the above-mentioned remaining planned issuance amount with the coupon issuance limit amount, and when the remaining issuance planned amount exceeds the coupon issuance limit amount (s35: planned coupon issuance amount is (Exceeding revenue), the payment management system 100 reduces the value of the coupon issuing ticket size of the coupon (s36) so as to eliminate the above-mentioned excess, and ends the process. This reduction can be calculated by dividing the total amount of coupons to be issued minus the excess amount by the number of coupons required to be issued.

On the other hand, as a result of the above comparison, when the remaining planned issuance amount is less than the coupon issuance limit amount (s35: the planned coupon issuance amount or less), the payment management system 100 uses the coupon of the corresponding amount (coupon issuance ticket size). Is issued (s37), and the process is terminated.

In this way, if various factors are taken into consideration and corrections are made to the content of coupon issuance, it is expected that the attraction of consumers and consumption behavior by the corresponding coupon will be activated more accurately.
--- Flow example 5 (Coupon display flow) ---
Subsequently, the process of receiving and displaying the coupon issued as described above in the user terminal 400 will be described.

Here, it is assumed that a user who is a consumer operates the user terminal 400, accesses the application management unit 110 of the payment management system 100, downloads the application 401, and performs an installation operation on the user terminal 400.

In that case, the user terminal 400 executes the installation process of the application 401 and starts the application 401 (s40).

In addition, along with the installation process of the application 401, the user transfers his / her identification information (example: name, address, age, etc.) and the credit card information he / she owns to the payment management system via the interface of the application 401. It is assumed that the registration operation for 100 is performed. As a result of this registration operation, various information of the user is registered in the user information 117 of the payment management system 100 from the user terminal 400.

Subsequently, the user terminal 400 receives a payment card selection instruction by the user via the interface of the activated application 401 (s41).

Further, the application 401 of the user terminal 400 accesses the coupon issuance rule information 118 of the payment management system 100, acquires the corresponding coupon information from the payment management system 100 in response to the above selection instruction, and obtains this from the payment management system 100 on the map screen. It is displayed at 1000 (see FIG. 19) (s42).

In this case, the application 401 specifies the coupon in which the corresponding payment card selected by the user is specified in the "affiliated card" column in the coupon issuance rule information 118. Further, the application 401 uses the coupon issuing target store information 119 for the member stores in which the current position and the "address" indicated by the GPS unit 403 are within a predetermined distance and the coupon specified above is included in the "issuing coupon" column. It is specified, and each information of this coupon and the member store is displayed on the map screen 1000. That is, when a predetermined credit card is used for payment, the member store to which the coupon is issued is displayed on the map screen.

As illustrated in FIG. 19, the map screen 1000 is composed of a pull-down menu 1001 that receives a payment card selection instruction by the user, a member store to which the coupon is issued, a list 1002 that displays the contents of the coupon, and a map display 1003. Will be done.

In the map display 1003 described above, an icon 1004 indicating the current position of the user and an icon 1005 indicating the location of the member store are arranged.

Subsequently, the application 401 accepts the desired coupon designation by the above-mentioned user via the map screen 1000, and performs the acquisition process of the coupon (s43). This acquisition process corresponds to a process of storing the information of the corresponding coupon in the storage unit of the user terminal 400.

It is assumed that such a user carries the user terminal 400, visits the member store, and performs payment processing associated with product purchase or the like with a designated credit card. This event is shared between the payment terminal 200 of the member store and the application 401, for example, and the application 401 displays the content (cash back) of the incentive obtained by the payment associated with the use of the coupon. (S44), the process is terminated.

Although the best mode for carrying out the present invention has been specifically described above, the present invention is not limited to this, and various modifications can be made without departing from the gist thereof.

According to the present embodiment, regarding a store or the like that has not reached the predetermined sales, the settlement is made according to the type of business, the sales content, the degree of penetration and affinity of the relevant settlement method in the area where the sales are located, the urgency of sales improvement, and the like. By determining the content of the incentive when using the means and distributing the information to the user, it is possible to efficiently and accurately increase the payment opportunities at the store and the payment means. In addition, as a user who uses the relevant payment method at such a store, incentives such as cash back can be obtained.

That is, it is possible to efficiently improve the usage status of the payment means in the store and activate the transaction in the store.

The description herein reveals at least the following: That is, in the payment management system of the present embodiment, the arithmetic unit is the total of at least one of the amount and the number of times traded by the payment means in each of the plurality of stores as the transaction status by the payment means in the plurality of stores. The value is calculated, the total value is collated with the standard regarding the usage level of the payment means, the usage level for the plurality of stores is specified as the condition, and the said rule is set in advance according to the usage level. It may specify the content of the incentive to be issued for the stores included in the plurality of stores.

According to this, it is possible to accurately identify the usage level of the relevant payment method in multiple stores (the area where the store is located), and by extension, the usage status of the payment method in the store is improved more efficiently, and transactions at the store are performed. Can be more activated.

Further, in the payment management system of the present embodiment, when specifying the content of the incentive, the arithmetic unit issues the content of the incentive issued for the stores included in the plurality of stores when the usage level exceeds a predetermined standard. , When the usage level is lower than the predetermined standard and the usage level is lower than the predetermined standard, the content of the incentive issued for the stores included in the plurality of stores may be expanded from the predetermined specified value.

According to this, if the usage level of the relevant payment method at multiple stores (the area where the store is located) is above the specified level, that is, if the relevant payment method is originally frequently used in the relevant area, even if a generous incentive is not presented. If the relevant payment method can be expected to be used at the relevant store, or conversely, if the relevant payment method is rarely used in the relevant area, the use of the relevant payment method cannot be expected at the relevant store unless a generous incentive is presented. It is possible to identify the content of incentives that well reflect the circumstances such as. As a result, the usage status of the payment means in the store can be improved more efficiently, and the transaction in the store can be more activated.

Further, in the payment management system of the present embodiment, when the arithmetic unit specifies the content of the incentive, when the usage level of the plurality of stores exceeds a predetermined standard, the calculation device among the stores included in the plurality of stores. The content of the incentive issued for a store whose transaction status by the payment method exceeds a predetermined standard may be reduced from the predetermined specified value.

According to this, the usage level of the relevant payment method in multiple stores (the area where the store is located) is above the specified level, that is, the relevant payment method is originally often used in the relevant area, and the relevant payment method is used in the relevant store. If the use of the incentive is not small, the content of the incentive can be specified more accurately based on the circumstances in which the use of the relevant payment method can be expected at the relevant store without presenting a generous incentive. As a result, the usage status of the payment means in the store can be improved more efficiently, and the transaction in the store can be more activated.

Further, in the payment management system of the present embodiment, the arithmetic device correlates with a set of stores having a predetermined attribute in the transaction history and the contents of transactions performed within a predetermined time at each store forming the set. An analysis is performed to identify a correlation coefficient for an event in which a transaction is made by continuously visiting the stores in a set of stores having a predetermined attribute, and the correlation coefficient for a set of the store and an adjacent store of the store. The content of the incentive for the store may be reduced according to the size of the store.

According to this, for example, for stores that form a group of stores where continuous visits (store "ladders") can be expected as behavior patterns of people such as "cafes" and "general stores", even if a generous incentive is not presented. For stores that can be expected to use the relevant payment method at the relevant store, or conversely, for stores that form a group of stores that cannot be expected to visit continuously, the use of the relevant payment method cannot be expected at the relevant store unless a generous incentive is presented. It is possible to identify the content of the incentive that reflects the circumstances such as. As a result, the usage status of the payment means in the store can be improved more efficiently, and the transaction in the store can be more activated.

Further, in the payment management system of the present embodiment, the arithmetic unit provides the content of the incentive for the store in the transaction history according to the height of the transaction status of the adjacent store and the magnitude of the correlation coefficient. It may be reduced.

According to this, if the relevant payment method is originally often used at the other store (the store that is the starting point of the "ladder" of the store when viewed from the store under consideration for incentives), it is generous. Even if the incentive is not presented, the content of the incentive can be specified more accurately based on the circumstances in which the relevant payment method can be expected to be used at the relevant store along the flow of the "ladder". As a result, the usage status of the payment means in the store can be improved more efficiently, and the transaction in the store can be more activated.

Further, in the payment management system of the present embodiment, the arithmetic unit may expand the content of the incentive for the store according to the shortness of the remaining time from the present to a predetermined deadline.

According to this, the more a short period of time is left until the goal of the transaction performance of the relevant payment method is achieved, the more generous incentives can be presented to promote the early achievement of the goal. As a result, the usage status of the payment means in the store can be improved more efficiently, and the transaction in the store can be more activated.

Further, in the payment management system of the present embodiment, the arithmetic unit sets the content of the incentive for the store according to the small difference between the transaction status by the payment means in the store and the target status of the transaction status. It may be expanded.

According to this, the smaller the balance until the target for the transaction performance by the relevant payment method is achieved, the more generous incentives can be presented to promote the earlier achievement of the target. As a result, the usage status of the payment means in the store can be improved more efficiently, and the transaction in the store can be more activated.

Further, in the payment management method of the present embodiment, the information processing system determines the transaction status of the payment means in the plurality of stores at least one of the amount and the number of times the payment means is traded in each of the plurality of stores. The total value is calculated, the total value is collated with the standard regarding the usage level of the payment means, the usage level for the plurality of stores is specified as the condition, and according to a predetermined rule predetermined according to the usage level. The content of the incentive to be issued for the stores included in the plurality of stores may be specified. Further, in the payment management method of the present embodiment, when the information processing system specifies the content of the incentive, the content of the incentive issued for the stores included in the plurality of stores when the usage level exceeds a predetermined standard. May be reduced from the predetermined specified value, and when the usage level is lower than the predetermined standard, the content of the incentive issued for the stores included in the plurality of stores may be expanded from the predetermined specified value.

Further, in the payment management method of the present embodiment, when the information processing system specifies the content of the incentive and the usage level of the plurality of stores exceeds a predetermined standard, among the stores included in the plurality of stores. The content of the incentive issued for the store whose transaction status by the payment means exceeds the predetermined standard may be reduced from the predetermined specified value.

Further, in the payment management method of the present embodiment, the information processing system is based on the group of stores having a predetermined attribute and the transaction contents performed within a predetermined time at each store forming the group in the transaction history. Correlation analysis is performed to identify the correlation coefficient for an event in which a transaction is made by continuously visiting the stores in a group of stores having a predetermined attribute, and the phase relationship between the store and a store adjacent to the store. The content of the incentive for the store may be reduced according to the size of the number.

Further, in the payment management method of the present embodiment, the information processing system has the content of the incentive for the store according to the height of the transaction status of the adjacent store and the magnitude of the correlation coefficient in the transaction history. May be reduced.

Further, in the payment management method of the present embodiment, the information processing system may expand the content of the incentive for the store according to the shortness of the remaining time from the present to a predetermined deadline.

Further, in the payment management method of the present embodiment, the information processing system provides the content of the incentive for the store according to the small difference between the transaction status by the payment means in the store and the target status of the transaction status. May be expanded.

10, 11 Network 100 Payment management system 101 Storage device 102 Program 103 Memory 104 Computing device 105 Communication device 106 Payment switch unit 107 Merchant management department 108 Coupon issuing engine 109 Data analysis engine 110 App management department 115 POS transaction history information 116 Merchant store Management information 117 User information 118 Coupon issuance rule information 119 Coupon issuance target store information 120 Area scoring information 121 Non-cash decision area score Coupon adjustment information 122 Merchant correlation coefficient information 123 Merchant correlation coupon adjustment information 124 Remaining time coupon adjustment information 125 Payment balance Coupon adjustment information 200 Payment terminal 201 Card reader 300 Card issuer system 400 User terminal 401 App 402 Coupon confirmation unit 403 GPS unit

Claims (12)

A storage device holding a transaction history with a predetermined payment means in each of the multiple stores,
Indicated by the transaction history, the transaction status by the payment means in the plurality store, if it conforms to a predetermined condition at a predetermined rule in accordance with the conditions, the content of the incentive to be issued with respect to the store included in the plurality store The arithmetic unit to be identified and
Only including,
The arithmetic unit
As the transaction status by the payment means in the plurality of stores, the total value of at least one of the amount and the number of times traded by the payment means in each of the plurality of stores is calculated, and the total value is used as the usage level of the payment means. The content of the incentive to be issued for the stores included in the multiple stores is specified by collating with the criteria for the multiple stores, specifying the usage level for the multiple stores as the above conditions, and specifying the predetermined rules predetermined according to the usage level. And
When specifying the content of the incentive, when the usage level exceeds the predetermined standard, the content of the incentive issued for the stores included in the plurality of stores is reduced from the predetermined specified value, and the usage level sets the predetermined standard. If it falls below the limit, the content of the incentive issued for the stores included in the plurality of stores will be expanded from the predetermined specified value .
A payment management system characterized by this. The arithmetic unit
In specifying the content of the incentive, when the usage level of the plurality of stores exceeds the predetermined standard, the incentive to be issued for the stores included in the plurality of stores whose transaction status by the payment means exceeds the predetermined standard. The content is reduced from the specified value.
The payment management system according to claim 1 , wherein the payment management system is characterized in that. A storage device that holds transaction history by a predetermined payment method at each of multiple stores,
When the transaction status by the payment means in the plurality of stores indicated by the transaction history meets a predetermined condition, the content of the incentive issued for the stores included in the plurality of stores is provided according to the predetermined rule according to the condition. The arithmetic unit to be identified and
Including
The arithmetic unit
Of the transaction history, a correlation analysis is performed based on the group of stores with the predetermined attribute and the transaction content performed within the predetermined time at each store forming the group, and between the stores in the group of stores with the predetermined attribute. To identify the correlation coefficient for the event in which the transaction is made by continuously visiting
The content of the incentive for the store is reduced according to the magnitude of the correlation coefficient for the pair of the store and the adjacent store of the store.
A payment management system characterized by this. The arithmetic unit
In the transaction history, the content of the incentive for the store is reduced according to the height of the transaction status of the adjacent store and the magnitude of the correlation coefficient.
The payment management system according to claim 3 , wherein the payment management system is characterized in that. The arithmetic unit
The content of the incentive for the store is expanded according to the shortness of the remaining time from the present to the predetermined deadline.
The payment management system according to any one of claims 1 to 4 , wherein the payment management system is characterized in that. The arithmetic unit
The content of the incentive for the store is expanded according to the small difference between the transaction status of the payment method at the store and the target status of the transaction status.
The payment management system according to any one of claims 1 to 4 , wherein the payment management system is characterized in that. The information processing system having a storage device that holds the transaction history with a predetermined payment means in each of the plurality shops,
Indicated by the transaction history, the transaction status by the payment means in the plurality store, if it conforms to a predetermined condition at a predetermined rule in accordance with the conditions, the content of the incentive to be issued with respect to the store included in the plurality store Identify and
As the transaction status by the payment means in the plurality of stores, the total value of at least one of the amount and the number of times traded by the payment means in each of the plurality of stores is calculated, and the total value is used as the usage level of the payment means. The usage level for the multiple stores is specified as the above condition, and the content of the incentive to be issued for the stores included in the multiple stores is specified according to the predetermined rule set in advance according to the usage level.
When specifying the content of the incentive, when the usage level exceeds the predetermined standard, the content of the incentive issued for the stores included in the plurality of stores is reduced from the predetermined specified value, and the usage level sets the predetermined standard. If it falls below the specified value, the content of the incentive issued for the stores included in the multiple stores will be expanded from the specified value .
A payment management method characterized by that. The information processing system
In specifying the content of the incentive, when the usage level of the plurality of stores exceeds the predetermined standard, the incentive to be issued for the stores included in the plurality of stores whose transaction status by the payment means exceeds the predetermined standard. Reduce the content from the specified value,
The payment management method according to claim 7 , characterized in that. An information processing system equipped with a storage device that holds transaction history by a predetermined payment method at each of a plurality of stores
When the transaction status by the payment means in the plurality of stores indicated by the transaction history meets a predetermined condition, the content of the incentive issued for the stores included in the plurality of stores is provided according to the predetermined rule according to the condition. Identify and
Of the transaction history, a correlation analysis is performed based on the group of stores with the predetermined attribute and the transaction content performed within the predetermined time at each store forming the group, and between the stores in the group of stores with the predetermined attribute. To identify the correlation coefficient for the event in which the transaction is made by continuously visiting
The content of the incentive for the store is reduced according to the magnitude of the correlation coefficient for the pair of the store and the adjacent store of the store.
A payment management method characterized by that. The information processing system
In the transaction history, the content of the incentive for the store is reduced according to the height of the transaction status of the adjacent store and the magnitude of the correlation coefficient.
9. The payment management method according to claim 9 . The information processing system
Expand the content of the incentive for the store according to the shortness of the remaining time from the present to the predetermined deadline.
The settlement management method according to any one of claims 7 to 10 , characterized in that. The information processing system
The content of the incentive for the store is expanded according to the small difference between the transaction status by the payment means at the store and the target status of the transaction status.
The settlement management method according to any one of claims 7 to 10 , characterized in that.