JP6880257B1 - Setting device, setting method and setting program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To appropriately set a fee charged to a provider according to the use of a platform. SOLUTION: A setting device according to the present application provides provider information (for example, transactions using a platform) regarding a provider who provides a transaction target by using a predetermined platform (for example, an electronic commerce service or an electronic payment service). It is characterized by having an acquisition unit that acquires the sales status when the target is provided) and a setting unit that sets the consideration for the use of the platform to the provider based on the provider information acquired by the acquisition unit. And. [Selection diagram] Fig. 1

Description

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

Conventionally, there is known a technique for managing various charges imposed on a provider who provides a transaction target. As an example of such a technology, a technology for calculating evaluation information including a loanable amount or an interest rate to be presented to a business operator based on operational data related to the business operation of the business operator is described.

JP-A-2018-180815

However, with the above-mentioned technology, it may not be possible to say that the fee charged to the provider according to the use of the platform is set appropriately.

For example, the above-mentioned technology can only calculate the loanable amount and the interest rate of the business operator, and cannot be said to calculate the charge according to the use of the platform.

The present application has been made in view of the above, and an object of the present application is to appropriately set a fee charged to a provider according to the use of the platform.

The setting device according to the present application uses the platform based on the acquisition unit that acquires the provider information about the provider who provides the transaction target using the predetermined platform and the provider information acquired by the acquisition unit. It is characterized by having a setting unit for setting a consideration for the provider.

According to one aspect of the embodiment, there is an effect that the fee charged to the provider can be appropriately set according to the use of the platform.

FIG. 1 is a diagram showing an example of a setting process according to the first embodiment. FIG. 2 is a diagram showing an example of the setting process according to the second embodiment. FIG. 3 is a diagram showing a configuration example of the information providing device according to the embodiment. FIG. 4 is a diagram showing an example of a provider database according to the embodiment. FIG. 5 is a diagram showing an example of the platform information database according to the embodiment. FIG. 6 is a diagram showing an example of a consideration database according to the embodiment. FIG. 7 is a flowchart showing an example of the procedure of the setting process according to the embodiment. FIG. 8 is a hardware configuration diagram showing an example of a computer that realizes the function of the information providing device.

Hereinafter, a setting device, a setting method, and a mode for implementing the setting program according to the present application (hereinafter, referred to as “the embodiment”) will be described in detail with reference to the drawings. Note that this embodiment does not limit the setting device, setting method, and setting program according to the present application. Further, in each of the following embodiments, the same parts are designated by the same reference numerals, and duplicate description is omitted.

[1. Embodiment]
[1-1. Example of setting process in the first embodiment]
Next, with reference to FIG. 1, the setting process according to the first embodiment realized by the setting device and the like of the present embodiment will be described. FIG. 1 is a diagram showing an example of a setting process according to the first embodiment. In FIG. 1, it is assumed that the information providing device 10 which is an example of the setting device according to the present embodiment realizes the setting process and the like according to the embodiment.

As shown in FIG. 1, the setting system 1 according to the embodiment includes an information providing device 10, a user terminal 100, a provider terminal 200, and a server device 301. The information providing device 10, the user terminal 100, the provider terminal 200, and the server device 301 are connected to each other via a network N (see, for example, FIG. 3) so as to be able to communicate with each other by wire or wirelessly. The network N is, for example, a WAN (Wide Area Network) such as the Internet. The setting system 1 shown in FIG. 1 may include a plurality of information providing devices 10, a plurality of user terminals 100, a plurality of provider terminals 200, and a plurality of server devices 301. ..

The information providing device 10 shown in FIG. 1 is an information processing device that performs setting processing, and is realized by, for example, a server device, a cloud system, or the like. For example, the information providing device 10 acquires information on a provider who provides a transaction target (for example, a product) to a user and information on provision of a transaction target, and provides information according to the acquired information.

The user terminal 100 shown in FIG. 1 is an information processing device used by the user. The user terminal 100 is realized by, for example, a smartphone, a tablet terminal, a notebook PC (Personal Computer), a desktop PC, a mobile phone, a PDA (Personal Digital Assistant), or the like. In addition, the user terminal 100 displays the information distributed by the server device 301 by a web browser or an application. In the example shown in FIG. 1, a case where the user terminal 100 is a smartphone is shown.

The provider terminal 200 shown in FIG. 1 is an information processing device used by a provider who provides a transaction target to a user in an actual store. The provider terminal 200 is realized by, for example, a smartphone, a tablet terminal, a notebook PC, a desktop PC, a mobile phone, a PDA, or the like. In addition, the user terminal 100 displays the information distributed by the server device 301 by a web browser or an application. In the example shown in FIG. 1, a case where the user terminal 100 is a notebook PC is shown.

The server device 301 shown in FIG. 1 is an information processing device that provides an electronic payment service related to electronic payment using the user terminal 100 and performs various payments, and is realized by, for example, a server device or a cloud system. For example, the server device 301 manages the account of the provider of the transaction target and the user to whom the transaction target is provided, and remits electronic money between the accounts in accordance with the payment request from the user. Realize various payments. The electronic money may be, for example, points or currencies independently used by various companies, or may be money provided by the state such as Japanese yen or dollars that can be electronically traded. Good.

Here, an example of payment (electronic payment) using the user terminal 100 will be described prior to the payment processing executed by the user terminal 100. In the following description, the user U is using a two-dimensional code (QR code (registered trademark)) arranged in the actual store A and indicating the store identification information that identifies the actual store A. Will explain an example of making a payment using the user terminal 100, but the embodiment is not limited to this. An example of payment described below can be applied even when an arbitrary user U makes a payment at an arbitrary store using an arbitrary user terminal 100. Further, the store identification information may be not only a QR code (registered trademark) but also a barcode, a predetermined mark, a number, or the like.

For example, when the user U uses or purchases a payment target such as various products or services at the actual store A, the user U activates a payment application pre-installed on the user terminal 100. To do. Then, the user U photographs the store identification information installed in the actual store A via the application. In such a case, the user terminal 100 displays a screen for inputting the price to be settled, and accepts the input of the settlement amount from the user U or the clerk of the actual store A. Then, the user terminal 100 sends the user information for identifying the user U, the store identification information (or the information indicated by the store identification information, that is, the information indicating the store), and the payment information indicating the payment amount to the server. It transmits to the device 301.

In such a case, the server device 301 transfers the electronic money of the amount indicated by the payment amount from the account of the user U indicated by the user information to the account of the actual store A indicated by the store identification information. Then, the server device 301 transmits a notification to the user terminal 100 that the payment has been completed. In such a case, the user terminal 100 notifies that the payment has been made by electronic money by outputting a screen indicating that the payment has been completed or a predetermined voice.

The payment using the user terminal 100 is not limited to the above-mentioned processing. For example, the payment using the user terminal 100 may be made using the store terminal installed in the actual store A. For example, the user terminal 100 causes the user identification information for identifying the user U to be displayed on the screen. In such a case, the store terminal installed in the actual store A reads the user identification information displayed on the user terminal 100, and obtains the user identification information, the payment amount, and the information for identifying the actual store A. The indicated payment information is transmitted to the server device 301. In such a case, the server device 301 transfers the electronic money of the amount indicated by the payment amount from the account of the user U indicated by the user identification information to the account of the actual store A, and is used as the store terminal of the actual store A or the store terminal of the actual store A. The user terminal 100 may be notified that the payment has been made by outputting a screen indicating that the payment has been completed or a predetermined voice.

Further, the payment using the user terminal 100 is not only a process of transferring the electronic money from the account charged with the electronic money in advance by the user U to the account of the actual store A, but also, for example, the user U has registered in advance. Payment may be made using a credit card. In such a case, for example, the server device 301 may remit the electronic money of the settlement amount to the account of the physical store A and charge the settlement amount to the credit card management company of the user U. ..

Here, as a technology for managing various charges imposed on a provider (business operator) that provides a transaction target, it is possible to provide a loan to the business operator based on operational data on the business operation of the business operator. A technique for calculating evaluation information including an amount or an interest rate is known. However, with such a technology, it is only possible to calculate the loanable amount and the interest rate of the business operator, and it cannot be said that the charge according to the use of the platform is calculated.

Therefore, the information providing device 10 executes the setting process according to the embodiment. Hereinafter, the setting process executed by the information providing device 10 will be described with reference to FIG. In the following description, it is assumed that the user terminal 100 is used by the user U. Further, in the following description, a provider who uses an electronic payment service provided by the server device 301 (hereinafter, may be simply referred to as "electronic payment service") as a payment means for accepting payment from a user. It is assumed that the setting system 1 has the provider terminals 201 and 202 managed by the above (hereinafter, may be collectively referred to as "provider terminal 200"). The setting system 1 may include an arbitrary number of user terminals 100 and provider terminals 200.

Further, in the following description, the user terminal 100 may be equated with the user U, and the provider terminal 200 may be equated with the provider and the store (actual store) managed by the provider. That is, in the following, the user terminal 100 can be read as the user U, and the provider terminal 200 can be read as the actual store and the provider.

First, the information providing device 10 acquires the provider information about the provider (step Sa1). For example, the information providing device 10 acquires the provider information including the payment amount (sales) received from the user by using the electronic payment service. To give a specific example, the information providing device 10 is used for each day and time zone (for example, weekday daytime (weekday 10 to 17:00 time zone), weekday night (weekday 17:00 to 2:00 time zone)). The provider information including the sales status indicating the sales of the above) is acquired from the provider terminal 200 or the server device 301.

Subsequently, the information providing device 10 sets the rate of the settlement fee in the electronic payment service for each actual store based on the acquired provider information (step Sa2). For example, the information providing device 10 sets the rate of the settlement fee charged to the actual store when accepting payment from the user using the electronic payment service on each day of the week or each time zone, corresponding to the corresponding day of the week or time. Set according to the sales status of the band. To give a specific example, the information providing device 10 is used for weekday daytime for the actual store A (a store managed by the provider M1 using the provider terminal 201) whose sales are higher on weekday nights than on weekday daytime. Set the rate of the settlement fee charged for the settlement received from the user on weekday nights higher than the rate of the settlement fee charged for the settlement accepted from the user. Further, the information providing device 10 accepts from the user on weekday nights for the actual store B (the actual store managed by the provider M2 using the provider terminal 201) whose sales are higher during the daytime on weekdays than on weekday nights. Set the rate of the settlement fee charged for the settlement received from the user on weekday noon higher than the rate of the settlement fee charged for the settlement.

Subsequently, the server device 301 executes a process related to the electronic payment of the user U (step Sa3). For example, the user U uses the above-mentioned QR code (registered trademark) or the like to provide payment information related to the use or purchase of various products and services such as various products and services at each physical store as a server device. Send to 301. Then, the server device 301 executes the processing related to the electronic payment of the user by the payment method using the QR code (registered trademark) or the like described above.

Subsequently, the information providing device 10 acquires payment information related to payment using electronic payment from the server device 301 (step Sa4). For example, the information providing device 10 acquires the payment information received from the user U from the server device 301. To give a specific example, the information providing device 10 includes a transaction target provided by the user U at the actual store, information indicating the actual store that provides the transaction target (actual store ID), and the date and time when the electronic payment is made. Acquire payment information including information such as (payment date and time) and payment amount.

Subsequently, the information providing device 10 sets the settlement fee based on the rate and the settlement information set for the actual store (step Sa5). For example, the information providing device 10 specifies the rate of the settlement fee applied to the settlement received from the user U based on the settlement date and time indicated by the settlement information acquired in step Sa4 and the actual store ID. Then, the information providing device 10 sets a settlement fee charged to the actual store based on the specified rate and the settlement amount indicated by the settlement information.

Subsequently, the information providing device 10 notifies the server device 301 of the set settlement fee (step Sa6). For example, the information providing device 10 notifies the payment fee charged to the actual store regarding the payment indicated by the payment information together with the information indicating the payment information.

Subsequently, the server device 301 notifies the actual store of the settlement fee (step Sa7). For example, the information providing device 10 notifies the settlement fee to the actual store indicated by the settlement information, and remits electronic money in an amount obtained by subtracting the settlement fee from the settlement amount to the account of the actual store.

As described above, the information providing device 10 according to the first embodiment sets the settlement fee to be charged to the provider according to the sales situation of the provider. As a result, the information providing device 10 according to the first embodiment changes the settlement fee according to the balance between the supply and demand of the transaction target provided by the provider. Therefore, for example, the demand of the transaction target is high and the provider is busy. In the case of a period, in other words, by using the payment method using the QR code (registered trademark) described above and simplifying the store's operations related to payment from users, the turnover rate of customers in the store can be reduced. If the provider wants to improve, the settlement fee can be set high. That is, the information providing device 10 according to the first embodiment can appropriately set the fee charged to the provider according to the use of the platform.

[1-2. Example of setting process in the second embodiment]
The platform used by the provider is not limited to the payment means shown in the first embodiment. Here, with reference to FIG. 2, the setting process according to the second embodiment realized by the setting device and the like of the present embodiment will be described. FIG. 2 is a diagram showing an example of the setting process according to the second embodiment.

As shown in FIG. 2, the setting system 2 according to the embodiment includes an information providing device 10, a user terminal 100, a provider terminal 200, and a server device 302. The information providing device 10, the user terminal 100, the provider terminal 200, and the server device 302 are connected to each other via a network N (see, for example, FIG. 3) so as to be able to communicate with each other by wire or wirelessly. The network N is a WAN such as the Internet. The setting system 2 shown in FIG. 2 may include a plurality of information providing devices 10, a plurality of user terminals 100, a plurality of provider terminals 200, and a plurality of server devices 302. ..

Since the information providing device 10 shown in FIG. 2 has the same configuration as the setting system 1 shown in FIG. 1, description thereof will be omitted. Further, since the user terminal 100 and the provider terminal 200 shown in FIG. 2 have the same configuration as the setting system 1 shown in FIG. 1 except that the information distributed by the server device 302 is displayed, the description thereof is omitted. To do.

The server device 302 shown in FIG. 2 is an information processing device that provides an electronic commerce service, and is realized by, for example, a server device, a cloud system, or the like. Here, the electronic commerce service provided by the server device 302 combines the product sales pages of a plurality of stores that sell products via the Internet into one service and sells various products, that is, a so-called electronic shopping street (or electronic shopping district). It is a service called electronic mall). The server device 302 is managed by a business operator that operates an electronic commerce service. Further, in the following, the name of the electronic commerce service provided by the server device 302 will be described as "electronic commerce service EC1".

Hereinafter, the setting process executed by the information providing device 10 will be described with reference to FIG. In the following description, it is assumed that the user terminal 100 is used by the user U. Further, in the following description, provider terminals 203 and 204 managed by a provider who opens a store in the electronic commerce service EC1 and provides a transaction target (product) on the electronic commerce service EC1 (hereinafter, "provider terminal"). It is assumed that the setting system 2 has (may be collectively referred to as “200”). The setting system 2 may include an arbitrary number of user terminals 100 and provider terminals 200.

Further, in the following description, the user terminal 100 may be equated with the user U, and the provider terminal 200 may be equated with the store and the provider in which the provider opens a store in the electronic commerce service EC1. That is, in the following, the user terminal 100 can be read as the user U, and the provider terminal 200 can be read as the store and the provider.

First, the information providing device 10 acquires the provider information regarding the provider (step Sb1). For example, the information providing device 10 acquires the provider information including the sales status of the products provided by each provider in the store on the electronic commerce service EC1. To give a specific example, the information providing device 10 is used for each day and time zone (for example, weekday daytime (weekday 10 to 17:00 time zone), weekday night (weekday 17:00 to 2:00 time zone)). ) The provider information including the sales status indicating the sales of each product is acquired from the provider terminal 200 or the server device 302.

Subsequently, the information providing device 10 sets the rate of the sales commission for the sale of the product on the electronic commerce service EC1 for each store based on the acquired provider information (step Sb2). For example, the information providing device 10 sets the rate of the sales commission charged to the store for the sale of the product on each day of the week or each time zone according to the sales situation on the corresponding day of the week or time zone. To give a specific example, the information providing device 10 refers to the store C (the store opened (managed) by the provider M3 using the provider terminal 203) whose sales are higher on weekday nights than on weekday daytime. Set a higher sales commission rate for product sales on weekday nights than a sales commission rate for product sales during the daytime on weekdays. Further, the information providing device 10 is lower than the rate set for the store D for the store D (the store where the provider M4 using the provider terminal 204 opens) whose sales are lower than the store C. Set the rate.

Subsequently, the server device 302 receives the purchase request of the product from the user U (step Sb3). For example, the user terminal 100 displays product information related to a product provided by a store that accesses the server device 302 and opens a store in the electronic commerce service EC1, and makes a purchase request for the product that the user U has performed a purchase operation on the server device. Send to 302.

Subsequently, the information providing device 10 acquires sales information regarding the sale of the product from the server device 302 (step Sb4). For example, the information providing device 10 acquires the sales information of the product corresponding to the purchase request received from the user U from the server device 302. To give a specific example, the information providing device 10 includes a product for which the user U has performed a purchase operation, information indicating a store that provides the product (store ID), a date and time when the purchase operation has been performed (purchase date and time), and the like. Acquire sales information including information such as the sales amount of the product.

Subsequently, the information providing device 10 sets the sales commission based on the rate and the sales information set for the store (step Sb5). For example, the information providing device 10 specifies the rate of the sales commission applied to the sale of the product to the user U based on the purchase date and time indicated by the sales information acquired in step Sb4 and the store ID. Then, the information providing device 10 sets a sales commission charged to the store regarding the sale of the product to the user U on the electronic commerce service EC1 based on the specified rate and the sales amount of the product indicated by the sales information. To do.

Subsequently, the information providing device 10 notifies the server device 302 of the set sales commission (step Sb6). For example, the information providing device 10 notifies the sales fee charged to the store regarding the sale of the product indicated by the sales information together with the information indicating the sales information.

Subsequently, the server device 302 notifies the store of the sales commission (step Sb7). For example, the information providing device 10 performs payment processing of the purchase price (sales amount) of the product (for example, confirmation processing of payment from the user U using the electronic payment service in the first embodiment, when payment is made. (Notification processing to the store, etc.) is performed, and the sales commission corresponding to the product is notified to the store that provides the product.

As described above, the information providing device 10 according to the second embodiment sets the sales commission to be imposed on each provider according to the sales situation of each provider on the electronic commerce service. As a result, the information providing device 10 according to the second embodiment changes the sales commission according to the balance between the supply and demand of the transaction target provided by the provider and the scale of the sales of the provider. Therefore, for example, an electronic commerce service. For providers who have newly opened a store, in other words, for providers whose sales are still small, it is possible to support transactions in the electronic commerce service by setting a low sales commission. That is, the information providing device 10 according to the embodiment can appropriately set the fee charged to the provider according to the use of the platform.

Further, if the information providing device 10 according to the embodiment is only a settlement fee for settlement by the above-mentioned settlement method using the user terminal 100 in the first embodiment and a sales fee (commerce fee) in the second embodiment. Instead, the fees for electronic payments using various electronic money and credit cards, advertising sales, information posting fees, financial income (interest rates), and other fees are dynamic (commissions that match the balance between supply and demand). (Variation), real-time (the fee is changed in a timely manner according to the monetization conditions), and personalization (the fee is changed according to the status of the provider (beneficiary)). That is, the information providing device 10 according to the embodiment can promote the use of each platform by making various fees dynamic, real-time, and personalized, and setting and applying the optimum fee / rate. it can.

[2. Configuration of information providing device]
Next, the configuration of the information providing device 10 will be described with reference to FIG. FIG. 3 is a diagram showing a configuration example of the information providing device according to the embodiment. As shown in FIG. 3, the information providing device 10 includes a communication unit 20, a storage unit 30, and a control unit 40.

(About communication unit 20)
The communication unit 20 is realized by, for example, a NIC (Network Interface Card) or the like. The communication unit 20 is connected to the network N by wire or wirelessly, and the user terminal 100, the provider terminal 200, and the server device 300 (for example, the server device 301 shown in FIG. 1 and the server device 302 shown in FIG. 2). Send and receive information to and from.

(About storage unit 30)
The storage unit 30 is realized by, for example, a semiconductor memory element such as a RAM (Random Access Memory) or a flash memory (Flash Memory), or a storage device such as a hard disk or an optical disk. As shown in FIG. 3, the storage unit 30 has a provider database 31, a platform information database 32, and a consideration database 33.

(About provider database 31)
The provider database 31 stores various information about the provider. Here, an example of the information stored in the provider database 31 will be described with reference to FIG. FIG. 4 is a diagram showing an example of a provider database according to the embodiment. In the example of FIG. 4, the provider database 31 has items such as "provider ID", "transaction target information", and "providing history".

The "provider ID" indicates identification information for identifying the provider. "Transaction target information" indicates information regarding the transaction target provided by the provider to the user. The "providing history" indicates the history of the provider providing the user transaction target, and has items such as "date and time", "providing destination", "transaction target", and "payment means". "Date and time" indicates the date and time when the provider provided the transaction target to the user. “Destination” indicates a user who provided the transaction target by the provider. “Transaction target” indicates a transaction target provided by the provider to the user. The "payment means" indicates a payment means (for example, cash or a payment means provided by various platforms) used by the provider when accepting payment from the user.

That is, in FIG. 4, the transaction target provided by the provider identified by the provider ID "MID # 1" is "transaction target information # 1", and the provider provides the information at the date and time "date and time # 1". An example is shown in which the transaction target "transaction target # 1" is provided to the destination "user # 1" and the payment is accepted from the user using the payment means "electronic payment (PID # 1)".

(About platform information database 32)
The platform information database 32 stores various information about the platform used by the provider. Here, an example of the information stored in the platform information database 32 will be described with reference to FIG. FIG. 5 is a diagram showing an example of the platform information database according to the embodiment. In the example of FIG. 5, the platform information database 32 has items such as "platform ID", "provider", "provider", and "usage content".

The "platform ID" indicates identification information for identifying the platform. “Provider” refers to a provider who has provided a trading target using the Platform. “Destination” indicates a user who provided a transaction target by the provider using the platform. "Usage content" indicates information regarding the use of the platform, and includes information such as the date and time when the platform was used, the transaction amount between the provider and the user (for example, payment amount, sales amount), transaction target, and the like. Is done.

That is, in FIG. 5, the provider "MID # 1" uses the platform identified by the platform ID "PID # 1" to provide the transaction target to the provider "user # 1", and the usage content is "use". An example of "content # 1" is shown.

(About consideration database 33)
The consideration database 33 stores various information regarding the consideration for the use of the platform. Here, an example of the information stored in the consideration database 33 will be described with reference to FIG. FIG. 6 is a diagram showing an example of a consideration database according to the embodiment. In the example of FIG. 6, the consideration database 33 has items such as "provider ID", "platform", "rate", and "applicable conditions".

The "provider ID" indicates identification information for identifying the provider. "Platform" indicates the platform used by the provider. "Rate" indicates the rate of consideration for the use of the platform. "Applicable conditions" indicate the conditions to which the rate is applied.

That is, in FIG. 6, when the provider identified by the provider ID "MID # 1" uses the platform "PID # 1" on "weekday noon", the consideration rate "10%" is applied. Is shown.

(About control unit 40)
The control unit 40 is a controller, and for example, various programs stored in a storage device inside the information providing device 10 by a CPU (Central Processing Unit), an MPU (Micro Processing Unit), or the like use a RAM as a work area. It is realized by executing as. Further, the control unit 40 is a controller, and is realized by, for example, an integrated circuit such as an ASIC (Application Specific Integrated Circuit) or an FPGA (Field Programmable Gate Array). As shown in FIG. 3, the control unit 40 according to the embodiment includes an acquisition unit 41, a setting unit 42, and a notification unit 43, and realizes or executes an information processing function or operation described below.

(About acquisition unit 41)
The acquisition unit 41 acquires provider information regarding a provider who provides a transaction target using a predetermined platform. For example, the acquisition unit 41 acquires the provider information from the provider terminal 200 and the server device 300, and stores the provider information in the provider database 31 and the platform information database 32.

In addition, the acquisition unit 41 may acquire the provider information including the provision status of the transaction target by the provider. For example, the acquisition unit 41 acquires the provision status (sales status) of the transaction target for each date, day of the week, time zone, and weather.

In addition, the acquisition unit 41 may acquire the provision status when the provider provides the transaction target using the platform. For example, in the example of FIG. 1, the acquisition unit 41 acquires a sales status indicating the payment amount (sales) received from the user using the electronic payment service. Further, in the example of FIG. 2, the acquisition unit 41 acquires the sales status of the products provided by each provider at the store on the electronic commerce service EC1.

In addition, the acquisition unit 41 may acquire the provider information including the attributes of the user to whom the provider provides the transaction target. For example, the acquisition unit 41 acquires information indicating whether the user to whom the provider provides the transaction target via the platform is a new customer or an existing customer (for example, a regular customer). To give a specific example, when the provider is the manager of a store on the electronic commerce service, the acquisition unit 41 determines the usage history of the user's store (for example, the number of times the product was purchased and the purchase amount). Acquires user attributes determined based on information stored in the platform information database 32, such as totals. In addition, when the provider is the manager of the actual store (in other words, when the provider accepts payment from the user using the electronic payment service), the acquisition unit 41 uses the user's usage history of the actual store. Acquire user attributes determined based on (for example, the number of store visits and the total payment amount). To give a more specific example, the acquisition unit 41 estimates based on the user's position information (for example, various sensors of the user terminal 100 (for example, the position information detected by the GPS (Global Positioning System) function)). The attribute of the user determined based on the number of visits to the store, the provision history stored in the provider database 31, and the like is acquired.

In addition, the acquisition unit 41 may acquire the provider information regarding the provider who sells the transaction target to the user by using the platform. For example, in the example of FIG. 2, the acquisition unit 41 acquires the provider information including the sales status of the product provided in the store by the provider who is the manager of the store opened in the electronic commerce service EC1.

In addition, the acquisition unit 41 may acquire provider information regarding a provider who sells a financial product to a user by using the platform. For example, the acquisition department 41 uses a platform that provides a bank agency business to sell financial products (for example, deposits and savings, loans, securities, insurance, crowdfunding) to users (for example, banks, securities companies). , Insurance company) Get provider information.

In addition, the acquisition unit 41 may acquire provider information regarding a provider who is a predetermined payment means and uses the payment means for accepting payment from the user to whom the transaction target is provided. For example, in the example of FIG. 1, the acquisition unit 41 acquires the provider information regarding the provider who accepts the payment from the user by using the electronic payment service provided by the server device 301.

(About setting unit 42)
The setting unit 42 sets the consideration for the use of the platform for the provider based on the provider information acquired by the acquisition unit 41. For example, in the example of FIG. 1, the setting unit 42 sets and sets the settlement fee rate in the electronic payment service for each actual store based on the provider information stored in the provider database 31 and the platform information database 32. The charged rate is stored in the consideration database 33. Then, when the payment information is acquired from the server device 301, the setting unit 42 specifies the rate corresponding to the payment information with reference to the consideration database 33, and based on the specified rate and the payment amount indicated by the payment information. , Set the settlement fee charged to the physical store.

In addition, the setting unit 42 may set the consideration according to the provision status. For example, the setting unit 42 sets different consideration for each provider according to the provision status of the transaction target provided by each provider.

Here, it is conceivable that the consideration imposed on the provider should be set low according to the balance between the supply and demand of the transaction target provided by the provider. Therefore, the setting unit 42 may set the consideration according to the sales situation of the transaction target by the provider. For example, the setting unit 42 refers to the provider database 31 and sets the rate higher as the sales of the transaction target by the provider are higher. Further, the setting unit 42 sets the rate lower as the sales of the transaction target by the provider are lower. That is, the setting unit 42 sets the rate high during the busy season of the provider and low during the off-season of the provider.

The setting unit 42 may set the rate higher as the sales of the transaction target by the provider are lower, and may set the rate lower as the sales of the transaction target by the provider are higher.

In addition, the setting unit 42 may set the consideration according to the number of users who use the platform. For example, the setting unit 42 sets the rate higher as the number of users using the platform increases, and sets the rate lower as the number of users using the platform decreases. That is, the setting unit 42 sets a high rate during the busy period of the platform and a low rate during the off-season of the platform. The setting unit 42 may set the rate lower as the number of users using the platform increases, and may set the rate higher as the number of users using the platform decreases.

Furthermore, when market conditions are sluggish, there may be a desire to support the provider's business by setting a low price to be imposed on the provider. Therefore, the setting unit 42 may set the consideration according to the type of the provider and the economic situation in the corresponding market. For example, the setting unit 42 sets the consideration lower as the transaction scale in the market corresponding to the type of provider is smaller. To give a specific example, the setting unit 42 includes the area to which the provider belongs (for example, the area where the provider is located, the area where the actual store managed by the provider is located), and the transaction target provided by the provider. The smaller the transaction scale in the market corresponding to the above, the lower the consideration is set. Further, the setting unit 42 sets the consideration higher as the transaction scale is higher in the area to which the provider belongs, the market corresponding to the transaction target provided by the provider, and the like.

The setting unit 42 may set the consideration higher as the transaction scale in the market corresponding to the type of provider is smaller, and may be set lower as the transaction scale in the market corresponding to the type of provider is larger.

Further, the setting unit 42 may set the consideration according to at least one of the sales situation of the transaction target by the provider, the type of the provider, and the economic situation in the corresponding market.

Furthermore, there may be a desire to set the consideration to be imposed on the provider according to the needs of the platform and the degree of use of the platform. Therefore, the setting unit 42 may set the consideration according to the number of times the provider uses the platform. For example, the setting unit 42 sets the price higher as the number of times the provider uses the platform (in other words, the higher the needs of the platform).

The setting unit 42 may set the consideration lower as the number of times the provider uses the platform increases (in other words, the higher the degree of use of the platform).

In addition, the setting unit 42 may set the consideration according to the period in which the provider uses the platform. For example, the setting unit 42 sets the consideration lower as the period in which the provider uses the platform is longer (in other words, the higher the degree of use of the platform). The setting unit 42 may set the consideration higher as the period in which the provider uses the platform is longer.

Furthermore, there may be a desire to set a consideration to be imposed on the provider for the purpose of inviting the provider to the platform and preventing the outflow of the provider to other platforms. Therefore, the setting unit 42 may set the consideration lower as the number of times the provider uses the platform is lower (in other words, the lower the degree of use of the platform is). Further, the setting unit 42 may set the consideration lower as the period in which the provider uses the platform is shorter (in other words, the lower the degree of use of the platform).

The setting unit 42 may set the price higher as the number of times the provider uses the platform is lower, and may set the price higher as the period in which the provider uses the platform is shorter.

Further, the setting unit 42 may set the consideration according to at least one of the number of times the provider uses the platform and the period during which the provider uses the platform.

In addition, depending on whether the user receiving the transaction target offer through the platform is a new customer or an existing customer for the provider (that is, the attribute of the user), the customer transfer regarding the customer transfer contributed by the platform There may be a request to set the consideration including the fee. Therefore, when the provider uses the platform to provide the transaction target to the user, the setting unit 42 may set the consideration according to the attribute corresponding to the user. For example, the setting unit 42 sets the consideration including the customer transfer fee when the user who provides the transaction target by the provider using the platform is a new customer.

If the user is an existing customer, there may be a request from the provider side to encourage the existing customer to continue using the platform by setting the consideration low. Therefore, the setting unit 42 does not include a lower consideration (for example, a customer transfer fee) when the user who provides the transaction target by the provider using the platform is an existing customer than when the user is a new customer. Consideration) may be set.

Furthermore, there may be a desire to set a consideration corresponding to various situations when the transaction target is provided via the platform. Therefore, the setting unit 42 may set the consideration corresponding to the date and time when the transaction target is provided based on the provider information. For example, in the example of FIG. 1, the setting unit 42 uses the electronic payment service on each day of the week and each time zone from the user based on the provider information including the sales status indicating the sales for each day of the week and the time zone. Set the rate of the settlement fee charged to the actual store when accepting the settlement of. The setting unit 42 may set the consideration corresponding to the date and time indicated in minutes.

Further, the setting unit 42 may set the consideration corresponding to the weather when the transaction target is provided based on the provider information. For example, the setting unit 42 informs the provider when providing a transaction target using the platform in each weather based on the provider information including the sales status indicating the sales for each weather (for example, sunny, rain, etc.). Set the consideration to be levied on it.

The setting unit 42 sets the higher the amount of money the user pays to the provider using the platform (for example, the payment amount in the electronic payment service or the sales amount of the product in the electronic commerce service), and sets the platform higher. The lower the amount paid by the user to the provider, the lower the consideration may be set.

Further, the setting unit 42 may set a consideration corresponding to at least one of the date and time when the transaction target is provided and the weather when the transaction target is provided, based on the provider information.

Further, when the platform is an electronic commerce service, it is assumed that the consideration (sales commission) for selling the transaction target through the platform is set. Therefore, the setting unit 42 may set a sales commission, which is a commission for selling the transaction target, to the provider. For example, in the example of FIG. 2, the setting unit 42 sets the rate of the sales commission for the sale of the product on the electronic commerce service EC1 for each store.

Furthermore, it is assumed that financial products will be sold through the platform. Therefore, the setting unit 42 may set a sales commission, which is a commission for selling a financial product, to the provider. For example, the setting unit 42 sets the rate of the sales commission of the financial product sold on the platform that provides the bank agency business to the financial institution that uses the platform. To give a specific example, when the transfer between the user's accounts is performed via the platform (for example, network banking), the setting unit 42 sets a part of the fee that the bank obtains from the user on the platform. Set as a consideration for the use of.

Further, when the platform is an electronic payment service, it is assumed that a consideration (payment fee) is set for a provider who has received payment from a user using the platform. Therefore, the setting unit 42 may set a settlement fee, which is a settlement fee between the provider and the user, for the provider. For example, in the example of FIG. 1, the setting unit 42 sets the rate of the settlement fee charged to the actual store when accepting the settlement from the user using the electronic settlement service.

The setting unit 42 may combine a plurality of the above processes and set a consideration for the use of the platform for the provider. For example, the setting unit 42 when the transaction target is provided based on the sales status of the transaction target by the provider, the economic situation in the market corresponding to the type of the provider, and the number of times the provider uses the platform. The price corresponding to the daytime may be set.

(About notification unit 43)
The notification unit 43 notifies the provider of information regarding the consideration set by the setting unit 42. For example, in the example of FIG. 1, the notification unit 43 notifies the server device 301 of the settlement fee charged to the actual store regarding the settlement indicated by the settlement information.

[3. Flow of setting process]
Here, the procedure of the setting process of the information providing device 10 according to the embodiment will be described with reference to FIG. 7. FIG. 7 is a flowchart showing an example of the procedure of the setting process according to the embodiment.

As shown in FIG. 7, the information providing device 10 acquires the provider information regarding the provider who provides the transaction target to the user (step S101). Subsequently, the information providing device 10 sets a fee rate for using the platform based on the provided information (step S102). Subsequently, the information providing device 10 determines whether or not the provider has used the platform when providing the transaction target to the user (step S103). When the platform is not used (step S103; No), the information providing device 10 waits until the provider uses the platform.

On the other hand, when the platform is used (step S103; Yes), the information providing device 10 sets a fee to be charged to the provider according to the usage content of the platform and the set rate (step S104). Subsequently, the information providing device 10 notifies the server device providing the platform of the set fee (step S105), and ends the process.

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

[4-1. About the platform]
In the above-described embodiment, an example in which the platform is an electronic payment service or an electronic commerce service is shown, but the platform is not limited to such an example, and any product, service, content, etc. can be provided. It may be something like. As an example, the platform may provide a crowdfunding service. In this case, the setting unit 42 generates a fee charged to the executor for the use of the crowdfunding service (for example, according to the amount of money collected by the crowdfunding) based on the information about the executor of the crowdfunding. Fees to be set).

[4-2. About processing mode]
Of the processes described in the above embodiments, all or part of the processes described as being automatically performed can be performed manually, and conversely, all the processes described as being performed manually. Alternatively, a part thereof can be automatically performed by a known method. In addition, the processing procedure, specific name, and information including various data and parameters shown in the above document and drawings can be arbitrarily changed unless otherwise specified. For example, the various information shown in each figure is not limited to the illustrated information.

Further, each component of each of the illustrated devices is a functional concept, and does not necessarily have to be physically configured as shown in the figure. That is, the specific form of distribution / integration of each device is not limited to the one shown in the figure, and all or part of the device is functionally or physically distributed / physically in arbitrary units according to various loads and usage conditions. Can be integrated and configured.

In addition, the above-described embodiments can be appropriately combined as long as the processing contents do not contradict each other.

[5. effect〕
As described above, the information providing device 10 according to the embodiment includes an acquisition unit 41, a setting unit 42, and a notification unit 43. The acquisition unit 41 acquires provider information regarding a provider who provides a transaction target using a predetermined platform. In addition, the acquisition unit 41 acquires the provider information including the provision status of the transaction target by the provider. The setting unit 42 sets the consideration for the use of the platform for the provider based on the provider information acquired by the acquisition unit 41. In addition, the setting unit 42 sets the consideration according to the provision status. The notification unit 43 notifies the provider of information regarding the consideration set by the setting unit 42.

As a result, the information providing device 10 according to the embodiment changes the consideration according to the needs of the platform that changes depending on the balance of supply and demand of the transaction target provided by the provider. The consideration to be levied can be set appropriately.

Further, in the information providing device 10 according to the embodiment, for example, the setting unit 42 pays a consideration according to at least one of the sales status of the transaction target by the provider, the type of the provider, and the economic situation in the corresponding market. Set. In addition, the acquisition unit 41 acquires the provision status when the provider provides the transaction target using the platform. Further, the setting unit 42 sets the consideration according to at least one of the number of times the provider uses the platform and the period during which the provider uses the platform. In addition, the acquisition unit 41 acquires the provider information including the attributes of the user to whom the provider provides the transaction target. Then, when the provider provides the transaction target to the user by using the platform, the setting unit 42 sets the consideration according to the attribute corresponding to the user. Further, the setting unit 42 sets the consideration corresponding to at least one of the date and time when the transaction target is provided and the weather when the transaction target is provided, based on the provider information.

As a result, the information providing device 10 according to the embodiment sets the consideration to be imposed on the provider according to the market conditions, the needs of the platform, and the situation of the provider and the user when providing the transaction target. The consideration charged to the provider can be set appropriately according to the usage.

Further, in the information providing device 10 according to the embodiment, for example, the acquisition unit 41 acquires the provider information regarding the provider who sells the transaction target to the user by using the platform. Then, the setting unit 42 sets a sales commission, which is a commission for selling the transaction target, to the provider. In addition, the acquisition unit 41 acquires the provider information regarding the provider who sells the financial product to the user by using the platform. Then, the setting unit 42 sets a sales commission, which is a commission for selling the financial product, to the provider. In addition, the acquisition unit 41 acquires provider information regarding a provider who is a predetermined payment means and uses the payment means for accepting payment from the user to whom the transaction target is provided. Then, the setting unit 42 sets a settlement fee, which is a settlement fee between the provider and the user, for the provider.

As a result, the information providing device 10 according to the embodiment can set the consideration imposed on the provider who uses various platforms, so that the consideration for the use of the platform can be appropriately set.

[6. Hardware configuration]
Further, the information providing device 10 according to each of the above-described embodiments is realized by, for example, a computer 1000 having a configuration as shown in FIG. Hereinafter, the information providing device 10 will be described as an example. FIG. 8 is a hardware configuration diagram showing an example of a computer that realizes the function of the information providing device. The computer 1000 has a CPU 1100, a ROM 1200, a RAM 1300, an HDD 1400, a communication interface (I / F) 1500, an input / output interface (I / F) 1600, and a media interface (I / F) 1700.

The CPU 1100 operates based on a program stored in the ROM 1200 or the HDD 1400, and controls each part. The ROM 1200 stores a boot program executed by the CPU 1100 when the computer 1000 is started, a program depending on the hardware of the computer 1000, and the like.

The HDD 1400 stores a program executed by the CPU 1100, data used by such a program, and the like. The communication interface 1500 receives data from another device via the communication network 500 (corresponding to the network N of the embodiment) and sends the data to the CPU 1100, and the data generated by the CPU 1100 via the communication network 500 is transmitted to another device. Send to the device.

The CPU 1100 controls an output device such as a display or a printer, and an input device such as a keyboard or a mouse via the input / output interface 1600. The CPU 1100 acquires data from the input device via the input / output interface 1600. Further, the CPU 1100 outputs the data generated via the input / output interface 1600 to the output device.

The media interface 1700 reads a program or data stored in the recording medium 1800 and provides the program or data to the CPU 1100 via the RAM 1300. The CPU 1100 loads the program from the recording medium 1800 onto the RAM 1300 via the media interface 1700, and executes the loaded program. The recording medium 1800 is, for example, an optical recording medium such as a DVD (Digital Versatile Disc) or PD (Phase change rewritable Disk), a magneto-optical recording medium such as an MO (Magneto-Optical disk), a tape medium, a magnetic recording medium, or a semiconductor memory. And so on.

For example, when the computer 1000 functions as the information providing device 10, the CPU 1100 of the computer 1000 realizes the function of the control unit 40 by executing the program loaded on the RAM 1300. Further, each data in the storage device of the information providing device 10 is stored in the HDD 1400. The CPU 1100 of the computer 1000 reads these programs from the recording medium 1800 and executes them, but as another example, these programs may be acquired from another device via a predetermined communication network.

[7. Others]
Although some of the embodiments of the present application have been described in detail with reference to the drawings, these are examples, and various modifications are made based on the knowledge of those skilled in the art, including the embodiments described in the disclosure column of the invention. It is possible to practice the present invention in other improved forms.

Further, the configuration of the above-mentioned information providing device 10 can be flexibly changed, such as by calling an external platform or the like by API (Application Programming Interface), network computing, or the like depending on the function.

Further, the "part" described in the claims can be read as "means" or "circuit". For example, the acquisition unit can be read as an acquisition means or an acquisition circuit.

10 Information provider 20 Communication unit 30 Storage unit 31 Provider database 32 Platform information database 33 Consideration database 40 Control unit 41 Acquisition unit 42 Setting unit 43 Notification unit 100 User terminal 200 Provider terminal 300 Server device

Claims (8)

A payment method performed by reading the information displayed on the terminal device used by the user and associated with the user by the store terminal used by the store in which the user makes a payment, or the relevant information. The terminal device used by the user is a predetermined platform that provides a payment means performed by reading the information associated with the store in which the user makes the payment, and the provider 's account is used at the time of payment. The acquisition department that acquires the provider information about the provider who provides the transaction target using the platform where the money is transferred to the account, and indicates the degree of use of the predetermined platform of the provider.
When payment is made using the platform, the usage level indicated by the provider information acquired by the acquisition unit is based on the usage level in a predetermined period prior to the payment. The rate of consideration for the use of the platform is set, and the amount of consideration for the use of the platform based on the settlement amount due to the settlement and the fee rate, and the settlement amount from the user's account to the provider's account. Set the amount to be deducted from the settlement amount when remittance, notify the external device that performs remittance processing between the user's account and the provider's account, and notify the amount of the consideration, and use the above. A setting device having a setting unit for executing a remittance process of withdrawing the settlement amount from the account of the person and depositing the amount obtained by subtracting the amount of consideration from the settlement amount into the account of the provider. .. The setting unit
Sales status of traded by the provider, wherein the provider information indicates, at least one of economic conditions in type and corresponding market of the provider, to set the rate in accordance with said use degree The setting device according to claim 1. The acquisition unit
The setting device according to claim 2 , wherein the provider acquires the provider information including the sales status when the provider provides a transaction target using the platform. The setting unit
The setting device according to any one of claims 1 to 3, wherein the rate is set according to the number of times the provider uses the platform and the degree of use. The acquisition unit
Acquires the provider information including the user attributes which the provider provides the transaction target,
The setting unit
If the provider provides the transaction target by utilizing the platform to the user, according to claim 1, characterized in that to set the attribute corresponding to the user, the rate in accordance with said use degree The setting device according to any one of 4 to 4. The setting unit
On the basis of the provider information, the date and time when the transaction subject is provided, the at least one of the weather when the transaction subject is provided, the setting means sets the rate corresponding to the utilization degree The setting device according to any one of claims 1 to 5. It ’s a setting method that the computer executes.
A payment method performed by reading the information displayed on the terminal device used by the user and associated with the user by the store terminal used by the store in which the user makes a payment, or the relevant information. The terminal device used by the user is a predetermined platform that provides a payment means performed by reading the information associated with the store in which the user makes the payment, and the provider 's account is used at the time of payment. An acquisition process for acquiring provider information indicating the degree of use of the predetermined platform of the provider, which is the provider information regarding the provider who provides the transaction target using the platform in which the money is transferred to the account.
When payment is made using the platform, the usage level indicated by the provider information acquired in the acquisition process is based on the usage level in a predetermined period prior to the payment. The rate of consideration for the use of the platform is set, and the amount of consideration for the use of the platform based on the settlement amount due to the settlement and the fee rate, and the settlement amount from the user's account to the provider's account. Set the amount to be deducted from the settlement amount when remittance, notify the external device that performs remittance processing between the user's account and the provider's account, and notify the amount of the consideration, and use the above. A setting method including a setting process of withdrawing the settlement amount from a person's account and executing a remittance process of depositing the amount obtained by subtracting the consideration amount from the settlement amount into the provider's account. .. A payment method performed by reading the information displayed on the terminal device used by the user and associated with the user by the store terminal used by the store in which the user makes a payment, or the relevant information. The terminal device used by the user is a predetermined platform that provides a payment means performed by reading the information associated with the store in which the user makes the payment, and the provider 's account is used at the time of payment. The acquisition procedure for acquiring the provider information about the provider who provides the transaction target using the platform where the money is transferred to the account and indicates the degree of use of the predetermined platform of the provider, and the acquisition procedure.
When payment is made using the platform, the usage level indicated by the provider information acquired by the acquisition procedure is based on the usage level in a predetermined period prior to the payment. The rate of consideration for the use of the platform is set, and the amount of consideration for the use of the platform based on the settlement amount due to the settlement and the fee rate, and the settlement amount from the user's account to the provider's account. Set the amount to be deducted from the settlement amount when remittance, notify the external device that performs remittance processing between the user's account and the provider's account, and notify the amount of the consideration, and use the above. A setting program for making a computer execute a setting procedure for withdrawing the payment amount from a person's account and depositing the amount obtained by subtracting the consideration amount from the payment amount into the provider's account. ..

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