JP6945702B1 - Grant device, grant method and grant program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a granting device, a granting method and a granting program which have an effect that a user can enjoy an appropriate combination of benefits. SOLUTION: In an grant processing system in which a payment server and a terminal device are connected to each other so as to be able to communicate with each other by wire or wirelessly via a network, the payment server is a payment related to payment performed by a user using a predetermined payment means. A combination of the reception unit 41 that accepts information and the profit that the user can enjoy based on the payment information received by the reception unit, in which the amount of profit given to the user satisfies a predetermined condition. It has a specific unit 43 to be specified and a grant unit that gives profits to the user based on a combination of profits specified by the specific unit. [Selection diagram] Fig. 1

Description

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

Conventionally, there is known a technique for giving a predetermined profit to a user who uses electronic payment. As an example of such a technology, in electronic payment performed using an identification code, after the payment processing of the product purchased by the user is performed using the identification code, a privilege associated with the payment processing is given to the user's terminal (for example). , A technique for displaying additional information regarding (granting points) has been proposed.

Japanese Unexamined Patent Publication No. 2020-091764

However, in the above-mentioned prior art, the user may not always be able to enjoy an appropriate combination of benefits.

For example, in the above-mentioned prior art, only a privilege is given to the user when the payment processing satisfies a predetermined condition, and it can be said that an appropriate combination is specified and given from the profits that can be enjoyed by the payment. No.

The present application has been made in view of the above, and an object of the present application is to provide a granting device, a granting method, and a granting program in which a user can enjoy an appropriate combination of benefits.

The granting device according to the present application has a reception unit that receives payment information related to payment performed by the user using a predetermined payment means, and a profit that can be enjoyed by the user based on the payment information received by the reception unit. A profit is given to the user based on a combination of a specific unit that specifies a combination in which the amount of profit given to the user satisfies a predetermined condition and a combination of profits specified by the specific unit. It is characterized by having an imparting portion.

According to one aspect of the embodiment, there is an effect that the user can enjoy an appropriate combination of benefits.

FIG. 1 is a diagram showing an example of a granting process according to an embodiment. FIG. 2 is a diagram showing an example of a screen of the terminal device according to the embodiment. FIG. 3 is a diagram showing a configuration example of a payment server according to the embodiment. FIG. 4 is a diagram showing an example of an account database according to the embodiment. FIG. 5 is a diagram showing an example of a profit information database according to the embodiment. FIG. 6 is a diagram showing an example of a user information database according to the embodiment. FIG. 7 is a flowchart showing an example of the procedure of the granting process according to the embodiment. FIG. 8 is a hardware configuration diagram showing an example of a computer that realizes the function of the payment server.

Hereinafter, a granting device, a granting method, and a mode for carrying out the granting program (hereinafter referred to as “the embodiment”) according to the present application will be described in detail with reference to the drawings. It should be noted that this embodiment does not limit the granting device, granting method, and granting 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]
The granting process realized by the granting device and the like of the present embodiment will be described with reference to FIG. FIG. 1 is a diagram showing an example of a granting process according to an embodiment. In FIG. 1, it is assumed that the payment server 10 which is an example of the granting device according to the present embodiment realizes the granting process according to the embodiment.

As shown in FIG. 1, the grant processing system 1 according to the embodiment includes a payment server 10 and a terminal device 100. The payment server 10 and the terminal device 100 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 grant processing system 1 shown in FIG. 1 may include a plurality of payment servers 10 and a plurality of terminal devices 100.

The payment server 10 shown in FIG. 1 is an information processing device that executes the granting process according to the embodiment, and is realized by a server device, a cloud system, or the like. For example, the payment server 10 provides an electronic payment service related to electronic payment using the terminal device 100. For example, the payment server 10 manages the accounts of the provider (business operator) of the transaction target and the user to whom the transaction target is provided, and transfers electronic money between the accounts according to the payment request from the user. By doing so, various payments are realized. 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.

In addition, the payment server 10 provides campaign information regarding a campaign carried out in an electronic payment service (for example, applicable conditions to which the campaign is applied to the user, the content of the profit given to the user by the campaign, and one user. The upper limit of profits to be allocated) is received from the campaign provider (in other words, the person who plans the campaign and invests the funds for the campaign) and stores it in the storage unit of the own device. The payment server 10 manages the campaign indicated by the received campaign information by classifying it into a plurality of groups corresponding to the types of the campaign providers. For example, the payment server 10 is an administrator of an electronic payment service, a business operator that accepts payments from users using the electronic payment service, a local government (for example, a central government agency, a local government, etc.), or a corporate organization (for example, a corporate organization). The campaigns are classified and managed into groups corresponding to the types of campaign providers such as the shopping district promotion association).

The terminal device 100 shown in FIG. 1 is an information processing device used by a user. The terminal device 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. Further, the terminal device 100 displays the information distributed by the payment server 10 by a web browser or an application. In the example shown in FIG. 1, a case where the terminal device 100 is a smartphone is shown.

When the terminal device 100 receives the control information for realizing the predetermined information processing from the payment server 10, the terminal device 100 realizes the information processing according to the control information. Here, the control information is described in, for example, a script language such as Javascript (registered trademark) or a style sheet language such as CSS (Cascading Style Sheets). The predetermined application itself distributed from the payment server 10 may be regarded as control information.

[1-1. About payment using terminal device 100]
Here, an example of payment (electronic payment) using the terminal device 100 will be described prior to the grant processing executed by the payment server 10. In the following description, the user U uses a two-dimensional code (QR code (registered trademark)) arranged in the store A and indicates the store identification information C that identifies the store A. An example of performing payment using the terminal device 100 will be described, but the embodiment is not limited to this. An example of payment described below can be applied even when an arbitrary user makes a payment at an arbitrary store using an arbitrary terminal device 100. Further, the store identification information C may be not only a QR code but also a barcode, a predetermined mark, a number, or the like.

For example, when the user U uses or purchases a payment target (transaction target) such as various products or services at the store A, the user U activates a payment application pre-installed on the terminal device 100. do. Then, the user U photographs the store identification information C installed in the store A via the payment application. In such a case, the terminal device 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 store A. Then, the terminal device 100 includes user identification information for identifying the user U, store identification information C (or information indicated by the store identification information C, that is, information indicating the store A (for example, store ID)). The payment information indicating the payment amount is transmitted to the payment server 10.

In such a case, the payment server 10 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 store A indicated by the store identification information C. Then, the payment server 10 transmits a notification to the terminal device 100 that the payment has been completed. In such a case, the terminal device 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 terminal device 100 is not limited to the above-mentioned processing. For example, the payment using the terminal device 100 may be made using the store terminal installed in the store A. For example, the terminal device 100 displays the user identification information for identifying the user U on the screen. In such a case, the store terminal installed in the store A reads the user identification information displayed on the terminal device 100, and obtains the user identification information (or the information indicated by the user identification information, that is, the user U. The information to be shown (for example, the user ID), the payment amount, and the payment information indicating the information for identifying the store A are transmitted to the payment server 10. In such a case, the payment server 10 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 store A, and the store terminal or terminal device of the store A. You may notify 100 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 terminal device 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 store A, but also, for example, a credit card registered in advance by the user U. It may be a settlement using. In such a case, for example, the terminal device 100 may transfer the electronic money of the settlement amount to the account of the store A and charge the settlement amount to the credit card management company of the user U.

[1-2. About the outline of the embodiment]
Here, conventionally, as a technique for giving a predetermined profit to a user who uses electronic payment, in electronic payment performed using an identification code, payment processing of a product purchased by the user is performed using the identification code. Later, a technique has been proposed in which additional information regarding the privilege grant associated with the payment process is displayed on the user's terminal. However, in such a technique, the privilege is only given to the user when the payment processing satisfies a predetermined condition. Therefore, it is not always possible to identify and grant an appropriate combination from a plurality of profits that can be enjoyed by settlement.

Therefore, the payment server 10 executes the granting process according to the embodiment. Hereinafter, the granting process executed by the payment server 10 will be described with reference to FIG. In the following description, an example in which the terminal device 100 is used by the user U will be shown. Further, in the following description, the terminal device 100 may be equated with the user U. That is, in the following, the user U can be read as the terminal device 100.

Further, in the following description, it is assumed that the payment server 10 manages the campaigns indicated by the received campaign information by classifying them into groups # 1 to # 3. Further, it is assumed that the payment server 10 has the priority (priority) for applying the campaign to the user set in the order of groups # 1, # 2, and # 3. Further, in the following description, it is assumed that the payment server 10 manages the campaign information in which the cashback of the payment amount by electronic payment is set as the profit given to the user. Further, the payment server 10 describes the difference between the maximum amount of cash back allocated to one user by the campaign and the amount of cash back already given to the user U by the campaign (hereinafter, referred to as "allocated balance"). (In some cases), it is assumed that it is managed for each campaign.

First, the user U who visits the store A and receives the transaction target from the store A reads the store identification information C installed in the store A using the terminal device 100 (step S1). Subsequently, the payment server 10 receives payment information regarding payment to the store from the terminal device 100 (step S2). For example, the payment server 10 receives payment information (user ID, payment amount for store A, and information identifying store A) in the payment method using the payment application described above from the terminal device 100.

Subsequently, the payment server 10 executes the payment process based on the payment information received from the terminal device 100 (step S3). For example, the payment server 10 transfers the electronic money of the amount indicated by the payment amount from the account of the user U indicated by the user ID to the account of the store A indicated by the store ID.

Subsequently, the payment server 10 extracts a campaign applicable to the user based on the payment information received from the terminal device 100 and the campaign information related to the campaign (step S4). For example, the payment server 10 extracts a campaign in which the received payment information satisfies the applicable conditions. In the example of FIG. 1, the payment server 10 extracts campaigns # 1-1, # 1-3, ... Classified in group # 1, and campaigns # 2-2 classified in group # 2. , # 2-4, ... Are extracted, and campaigns # 3-3, # 3-5, ... Classified in group # 3 are extracted.

Subsequently, the payment server 10 specifies a combination of campaigns to be applied to the user from the extracted campaigns (step S5). For example, the payment server 10 identifies campaign # 1-1 having the highest cashback ratio to the payment amount among the campaigns extracted from group # 1. In addition, the payment server 10 performs the same processing on the campaigns extracted from the groups # 2 and # 3, and specifies the combination # 1 composed of the campaigns # 1-1, # 2-2, and # 3-3. .. In other words, the payment server 10 identifies one campaign from each of the groups # 1 to # 3, and identifies the combination # 1 composed of the identified campaigns.

Subsequently, the payment server 10 calculates the amount of cash back based on the specified combination # 1 and gives it to the user U (step S6). Here, in the example of FIG. 1, it is assumed that the payment amount of the user U to the store A is "1,000 yen". In this case, the payment server 10 calculates as the cashback amount an amount that does not exceed the cashback upper limit of "200 yen (20% of the payment amount)" specified by the prize display method, and informs the user U. Give. For example, the payment server 10 calculates the amount of cash back given by each campaign included in the combination # 1 based on the priority set in the groups # 1 to # 3.

To give a specific example, the payment server 10 first has a cashback ratio of "2%" of campaign # 1-1, which is classified into group # 1 having the highest priority among the campaigns included in combination # 1. , The amount of cash back by campaign # 1-1 is calculated as "20 yen".

Here, since the amount of cash back by campaign # 1-1 does not exceed the upper limit "200 yen", the payment server 10 has the highest priority next to group # 1 among the campaigns included in combination # 1. Calculate the amount of cash back from campaign # 2-2, which is classified in group # 2. The cashback amount "30 yen" based on the cashback ratio "3%" of campaign # 2-2 exceeds the allocated balance "10 yen" of user U in campaign # 2-2. Therefore, the payment server 10 calculates the amount of cash back by campaign # 2-2 as "10 yen".

Here, since the total amount of cash back "30 yen" by campaigns # 1-1 and # 2-2 does not exceed the upper limit "200 yen", the payment server 10 is among the campaigns included in combination # 1. Calculate the amount of cash back by campaign # 3-3, which is classified into group # 3, which has the second highest priority after group # 2. The total amount of cash back "200 yen" based on the cash back ratio "20%" of campaign # 3-3 and the cash back amount of campaigns # 1-1 and # 2-2 is "230 yen". Exceeds the upper limit of "200 yen". Therefore, the payment server 10 has cash back by campaign # 3-3 so that the total amount of cash back by campaigns # 1-1, # 2-2 and # 3-3 does not exceed the upper limit "200 yen". Is calculated by capping (adjusting) the amount of "170 yen".

As a result of performing the calculation process as described above, the payment server 10 sets the amount of cash back by campaign # 1-1 to "20 yen", the amount of cash back by campaign # 2-2 to "10 yen", and campaign # The amount of cash back by 3-3 is set to "170 yen", and the total amount "200 yen" is given to the user U. Then, the payment server 10 subtracts the amount given to the user U from each of the allocation balances of the campaigns # 1-1, # 2-2, and # 3-3.

The payment server 10 may apply a part of the campaign included in the specified combination to the user U. For example, if the amount of cash back from a campaign classified into group # 1 exceeds the upper limit, the payment server 10 caps the amount of cash back and cashes from campaigns classified into groups # 2 and # 3. It is not necessary to perform the process of calculating the back amount. That is, the payment server 10 may apply only the campaigns classified in the group # 1 to the users. Further, for example, when the total amount of cash back from the campaign classified into group # 1 and the campaign classified into group # 2 exceeds the upper limit, the payment server 10 is classified into group # 2. It is not necessary to cap the amount of cash back by and calculate the amount of cash back by the campaign classified into group # 3. That is, the payment server 10 may apply only the campaigns classified into the groups # 1 and # 2 to the users.

Further, the payment server 10 may perform a process of calculating the amount of cash back by the campaign before performing the process in step S5. For example, the payment server 10 first identifies the campaign with the highest ratio of cash back to the payment amount among the campaigns extracted from group # 1 in step S4, and calculates the amount of cash back from the specified campaign. Then, when the calculated amount does not exceed the upper limit amount, the payment server 10 performs the same processing for the campaign extracted from the group # 2 in step S4. Here, when the amount of cash back by the campaign specified from groups # 1 and # 2 exceeds the upper limit, the payment server 10 specifies the one applied to the user U from the campaigns classified into group # 3. Instead, the combination composed only of the campaigns specified from the groups # 1 and # 2 is specified as the combination of the campaigns applied to the user U. In other words, the payment server 10 is applied in order from the campaign classified into the group with the higher priority so that the campaign classified into the group with the higher priority is preferentially applied to the user U. , Identify the combination of campaigns.

Subsequently, the payment server 10 provides information regarding the applied campaign (step S7). Subsequently, the terminal device 100 displays the information provided by the payment server 10 on the screen (step S8).

Here, an example of a screen displayed on the terminal device 100 in the above-described embodiment will be described with reference to FIG. FIG. 2 is a diagram showing an example of a screen of the terminal device according to the embodiment.

As shown in FIG. 2, the terminal device 100 displays a screen SC1 indicating that the payment using the payment application described above has been completed. For example, the terminal device 100 instructs the area AR1 for displaying information such as the payment information related to the payment of the user U to the store A and the total amount of cash back given to the user U, and the display of the information related to the cash back. Display the screen SC1 including the button B1 for the operation. When the button B1 is pressed, the terminal device 100 transitions the screen SC1 to the screen SC2, which is a screen for displaying information regarding cash back.

The terminal device 100 displays the total amount of cash back given to the user U, the information indicating the campaign applied to the user U, the amount of cash back given by the user U by each campaign, and the screen again. The screen SC2 including the area AR2 for displaying the button for instructing the transition to SC1 is displayed. When the area corresponding to any of the campaigns is pressed on the screen SC2, the terminal device 100 displays the screen SC2 and the screen SC3 which is a screen for displaying information about the corresponding campaign.

The terminal device 100 displays the screen SC3 that displays the period during which the campaign is carried out, the application conditions of the campaign, the content of the profit (score) given to the user by the campaign, and the like.

As described above, the payment server 10 according to the embodiment extracts a plurality of campaigns applicable to one payment from each group, specifies a combination of campaigns to be applied to the user, and is based on the specified combination. , Calculate and grant the amount of cash back to be given to the user so as not to exceed the upper limit. As a result, the payment server 10 according to the embodiment can prevent a situation in which a specific campaign is not used and can give the maximum profit that the user can enjoy. That is, the payment server 10 according to the embodiment allows the user to enjoy an appropriate combination of profits.

[2. Payment server configuration]
Next, the configuration of the payment server 10 will be described with reference to FIG. FIG. 3 is a diagram showing a configuration example of a payment server according to the embodiment. As shown in FIG. 3, the payment server 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. Then, the communication unit 20 is connected to the network N by wire or wirelessly, and transmits / receives information to / from the terminal device 100 and the like.

(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. 4, the storage unit 30 has an account database 31, a profit information database 32, and a user information database 33.

(About account database 31)
The account database 31 stores various information about accounts owned by users, businesses, profit providers (for example, campaign providers), and the like in the electronic payment service. Here, an example of the information stored in the account database 31 will be described with reference to FIG. FIG. 4 is a diagram showing an example of an account database according to the embodiment. In the example of FIG. 4, the account database 31 has items such as "account ID", "owner information", and "account balance".

The "account ID" indicates identification information for identifying the account. "Owner information" indicates information about the owner who owns the account, and for example, identification information for identifying the owner is stored. "Account balance" indicates the balance of the account.

That is, FIG. 5 shows an example in which the information of the account holder identified by the account ID “AID # 1” is “user # 1” and the account balance is “7,800 yen”.

(About profit information database 32)
The profit information database 32 stores various information regarding the profit given to the user. Here, an example of the information stored in the profit information database 32 will be described with reference to FIG. FIG. 5 is a diagram showing an example of a profit information database according to the embodiment. In the example of FIG. 5, the profit information database 32 has items such as "group ID" and "campaign information".

The "group ID" indicates identification information for identifying a group in which profits (campaigns) are classified. The "campaign information" indicates information about the campaign, and has items such as "campaign ID", "provider ID", "resources", "return rate", "upper limit amount", and "applicable conditions". The "campaign ID" indicates identification information for identifying the campaign. The "provider ID" indicates identification information for identifying the campaign provider. "Source" indicates the source of the campaign. "Return rate" indicates the cashback rate when the campaign is applied. "Maximum amount" indicates the maximum amount of cash back allocated to one user by the campaign. "Applicable conditions" indicates the conditions to which the campaign is applied.

That is, in FIG. 5, the campaigns classified into the groups identified by the group ID “GID # 1” are identified by the campaign ID “CID # 1”, and the campaign provider is identified by the provider ID “MID # 1”. An example is shown in which the source of funds is "1,000,000 yen", the return rate is "20%", the upper limit is "1,000 yen", and the applicable condition is "applicable condition # 1".

(About user information database 33)
The user information database 33 stores various information about users of the service provided by the payment server 10. Here, an example of the information stored in the user information database 33 will be described with reference to FIG. FIG. 6 is a diagram showing an example of a user information database according to the embodiment. In the example of FIG. 6, the user information database 33 has items such as "user ID", "payment history", and "usage history".

The "user ID" indicates identification information for identifying a user. The "payment history" shows the history of payments made using an electronic payment service, and stores information such as a payment destination and a payment amount. The "usage history" indicates the history of the user using the profit stored in the profit information database 32, for example, information indicating the profit applied to the user, the amount of the profit allocated to the user, and the like. Information is stored.

That is, FIG. 6 shows an example in which the payment history of the user identified by the user ID “UID # 1” is “payment history # 1” and the usage history is “usage history # 1”.

(About control unit 40)
The control unit 40 is a controller, and for example, various programs stored in a storage device inside the payment server 10 by a CPU (Central Processing Unit), an MPU (Micro Processing Unit), or the like use the RAM as a work area. It is realized by being executed. 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 a reception unit 41, a payment processing unit 42, a specific unit 43, an granting unit 44, and a providing unit 45, and information described below. Realize or execute the function or action of processing.

(About reception desk 41)
The reception unit 41 receives payment information regarding payments made by the user using a predetermined payment means. For example, in the example of FIG. 1, the reception unit 41 has user identification information for identifying user U, store identification information C for store A photographed via a payment application, and a clerk for user U or store A. The terminal device 100 receives payment information indicating the payment amount input from.

(About payment processing unit 42)
The payment processing unit 42 executes the payment processing according to the payment information received by the reception unit 41. For example, the payment processing unit 42 transfers the amount of electronic money indicated by the payment amount from the user's account indicated by the user identification information to the payment destination account indicated by the identification information that identifies the payment destination.

(About specific part 43)
The specific unit 43 specifies a combination of profits that can be enjoyed by the user based on the payment information received by the reception unit 41, in which the amount of profit given to the user satisfies a predetermined condition. .. For example, in the example of FIG. 1, the identification unit 43 refers to the profit information database 32 and the user information database 33, and specifies the combination # 1 of the campaign having the highest ratio of cash back to the settlement amount.

Further, the specifying unit 43 may specify a combination in which the ratio of the total amount of profits enjoyed by the user to the settlement amount is equal to or less than a predetermined threshold value. For example, in the example of FIG. 1, the specific unit 43 specifies the combination # 1 of the campaign in which the cashback amount is 20% or less of the settlement amount.

Further, the specifying unit 43 may specify the combination based on the amount corresponding to a part of the amount that can be given to the user by the profit that the user can enjoy. For example, in the example of FIG. 1, the specific unit 43 identifies the combination # 1 including the campaign # 3-3 based on the amount corresponding to a part of the amount that can be cashed back by the campaign # 3-3. do.

Further, the specific unit 43 may specify a combination from the profit groups that can be enjoyed by the user and are classified into any of a plurality of groups based on a predetermined criterion. For example, in the example of FIG. 1, the identification unit 43 identifies the combination # 1 from the campaigns classified into the groups # 1 to # 3.

Further, the specific unit 43 may specify a combination from the profit groups classified into any of a plurality of groups based on the profit provider. For example, in the example of FIG. 1, the specific unit 43 specifies the combination # 1 from the campaigns classified into the groups # 1 to # 3 corresponding to the type of the campaign provider.

Further, the specific unit 43 may specify a combination of profits classified into different groups as a combination. For example, in the example of FIG. 1, the identification unit 43 specifies a combination # 1 composed of campaigns specified one by one from groups # 1 to # 3.

Further, the specific unit 43 may specify a combination from the profit group based on the group priority which is the priority for giving profit to the user and is the priority set for each of the plurality of groups. For example, in the example of FIG. 1, the specific unit 43 is applied in order from the campaign classified into the group having the highest priority, so that the campaign classified into the group having the higher priority is given priority to the user U. Identify campaign combinations to apply.

In addition, the specific unit 43 may extract the profit with the highest amount given to the user in the classified group from the profit group, and specify the combination based on the extracted profit. For example, in the example of FIG. 1, the specific unit 43 identifies the campaign # 1-1 having the highest ratio of cash back to the settlement amount among the campaigns extracted from the group # 1. In addition, the identification unit 43 performs the same processing on the campaigns extracted from the groups # 2 and # 3, and specifies the combination # 1 composed of the campaigns # 1-1, # 2-2, and # 3-3. ..

In addition, the specific unit 43 is a business operator that accepts payments from users using the profits provided by the predetermined local government, the profits provided by the provider who provides the service related to the predetermined payment means, and the predetermined payment means. The combination may be specified from a profit group classified as one of the profits provided by. For example, in the example of FIG. 1, the specific unit 43 is classified according to the type of campaign provider such as an electronic payment service administrator, a business operator that accepts payments from users using the electronic payment service, a local government, or a corporate organization. Identify combination # 1 from the campaigns classified into the corresponding groups # 1 to # 3.

Here, when providing a campaign using subsidies provided by the local government as a source of funds, it is conceivable that the local government may request that the campaign be applied preferentially. Therefore, the identification unit 43 may specify a combination from the profit group based on the group priority set highest for the group in which the profit provided by the predetermined municipality is classified. For example, the specific unit 43 sets the highest priority of the group in which the subsidy-funded campaign provided by the local government is classified, preferentially extracts the campaign from the group, and specifies the combination of the campaigns. .. To give a specific example, the specific unit 43 preferentially extracts a campaign funded by a subsidy provided to a provider who provides a service related to a predetermined payment means.

In addition, the specific unit 43 is a profit provided by a business operator (for example, a store manager, etc.) that accepts payment from a user using a predetermined payment means (in other words, the store side invests resources). Profit) may be preferentially extracted and the combination of profits may be specified. In this case, the settlement processing unit 42 may transfer the electronic money of the amount cashed back by the profit and the amount obtained by subtracting various fees from the settlement amount from the user to the settlement destination.

Furthermore, there may be a desire to more flexibly identify the combination of campaigns by not only setting the priority for the group but also setting the priority among the campaigns classified into the same group. Therefore, the specific unit 43 extracts profits from the profit group based on the priority of giving profits to the users within the classified group, and identifies the combination based on the extracted profits. You may. For example, when a plurality of campaigns that can be enjoyed by a user and a plurality of campaigns having the same amount of cash back given to the user are classified into the same group, the specific unit 43 has higher priority. Extract high-frequency campaigns and identify campaign combinations.

Furthermore, by identifying the combination of campaigns based on the remaining allocation amount and preferentially applying the campaign with the larger remaining allocation amount to the users, there is a desire to prevent a situation in which the campaign applied to the users is biased, and the allocation. By preferentially applying the campaign with a small balance to the users, there may be a request that the full amount of the maximum amount that can be granted by the campaign can be given to the users within the campaign period. Therefore, the specifying unit 43 may specify the combination based on the balance of the amount that can be given to the user by the profit that the user can enjoy. For example, the specific unit 43 refers to the user information database 33 and specifies a combination of campaigns based on the allocation balance.

Further, the specifying unit 43 may preferentially extract the profits that can be enjoyed by the user from those having a large balance, and specify the combination based on the extracted profits. For example, to explain using FIG. 1 as an example, the specific unit 43 specifies a combination of campaigns including campaign # 1-3 having a larger allocation balance among the campaigns extracted from group # 1 in step S4.

Further, the specifying unit 43 may preferentially extract the profits that can be enjoyed by the user from those having the smallest remaining amount, and specify the combination based on the extracted profits. For example, to explain using FIG. 1 as an example, the specific unit 43 specifies a combination of campaigns including campaign # 3-5, which has a smaller remaining allocation amount, among the campaigns extracted from group # 3 in step S4.

Furthermore, there may be a desire to prevent a situation in which the campaign applied to the user is biased by preferentially applying the campaign with abundant resources to the user. Therefore, the specifying unit 43 may preferentially extract the profits that can be enjoyed by the user from those having a large balance of resources, and specify the combination based on the extracted profits. For example, the specifying unit 43 preferentially extracts from those having a large balance of resources calculated based on the profit information database 32 and the user information database 33, and specifies a combination based on the extracted profit.

(About the granting part 44)
The granting unit 44 grants profits to the user based on the combination of profits specified by the specific unit 43. For example, in the example of FIG. 1, the granting unit 44 refers to the profit information database 32 and the user information database 33, and is included in the combination # 1 based on the priority set in the groups # 1 to # 3. The amount of cash back given by the campaign, which does not exceed the upper limit of cash back, is calculated and given to the user.

Here, even if the cashback cannot be immediately given to the user, by telling the user that the cashback is actually applied, the user can feel reassured and after the cashback is made. There may be a desire to be able to make an action plan. Therefore, the granting unit 44 may grant a profit that becomes available to the user after the lapse of a predetermined period. For example, the granting unit 44 grants electronic money that can be used for payment using the above-mentioned payment application after a predetermined period (for example, 30 days) has elapsed.

(About the provider 45)
The providing unit 45 provides the user with information indicating the profit given to the user by the granting unit 44. For example, in the example of FIG. 1, the providing unit 45 provides the terminal device 100 with information indicating the campaign included in the combination # 1, the total amount of cash back by the combination # 1, and the like.

In addition, the providing unit 45 may provide information that is a screen of the terminal device used by the user for the predetermined payment means and is displayed on the screen indicating that the payment used for the predetermined payment means has been completed. .. For example, the providing unit 45 provides the terminal device 100 with the information displayed on the screen shown in FIG.

Here, it is conceivable that the user is provided with information that the remaining amount of the profit allocation still remains, thereby motivating the user to take an action to enjoy the profit. Therefore, the providing unit 45 may provide information indicating the profit given to the user and showing the usage state of the profit. For example, the providing unit 45 provides information indicating the profit given to the user and indicates the remaining allocation amount of the profit.

[3. Flow of grant processing]
A procedure for granting the payment server 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 granting process according to the embodiment.

As shown in FIG. 7, the payment server 10 receives payment information regarding payment performed by using a predetermined payment means from the user (step S101). Subsequently, the payment server 10 extracts the profit that the user can enjoy (step S102). Subsequently, the payment server 10 specifies a combination of profits so that the amount of profits given to the user satisfies a predetermined condition (step S103). Subsequently, the payment server 10 gives a profit to the user based on the specified combination (step S104). Subsequently, the payment server 10 provides the user with information indicating the granted profit (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 profit]
In the above-described embodiment, the payment server 10 provides an example of providing a campaign to the user, but the profit provided by the payment server 10 is not limited to such an example. For example, the payment server 10 may provide a profit (that is, a lottery) that enables the user to enjoy cash back of a predetermined ratio of the payment amount with a predetermined probability when the user makes a payment.

In addition, the specific unit 43 may specify a combination of different types of profits. For example, the specific unit 43 may specify a combination of campaigns and lottery that can be enjoyed by the user, in which the amount of cash back to the user satisfies a predetermined condition.

[4-2. About groups that classify profit groups]
In the above-described embodiment, an example is shown in which the specific unit 43 specifies a combination of profits from a profit group classified into any of the groups corresponding to the profits provided by the local government, the profits provided by the business operator, and the like. However, the classification of profit groups is not limited to such examples, and may be classified according to any criteria.

Further, in the above-described embodiment, an example is shown in which the specific unit 43 specifies a combination from the profit group based on the group priority set highest for the group in which the profit provided by the local government is classified. However, the priority of each group is not limited to such an example, and may be set arbitrarily.

[4-3. 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 dispersed / physically distributed in any unit 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 payment server 10 according to the embodiment includes a reception unit 41, a payment processing unit 42, a specific unit 43, an granting unit 44, and a providing unit 45. The reception unit 41 receives payment information regarding payments made by the user using a predetermined payment means. The payment processing unit 42 executes the payment processing according to the payment information received by the reception unit 41. The specific unit 43 specifies a combination of profits that can be enjoyed by the user based on the payment information received by the reception unit 41, in which the amount of profit given to the user satisfies a predetermined condition. .. In addition, the specifying unit 43 specifies a combination in which the ratio of the total amount of profits enjoyed by the user to the settlement amount is equal to or less than a predetermined threshold value. The granting unit 44 grants profits to the user based on the combination of profits specified by the specific unit 43. In addition, the granting unit 44 grants a profit that becomes available to the user after a predetermined period has elapsed. The providing unit 45 provides the user with information indicating the profit given to the user by the granting unit 44. In addition, the providing unit 45 provides information displayed on the screen of the terminal device used by the user for the predetermined payment means and indicating that the payment used for the predetermined payment means has been completed.

As a result, the payment server 10 according to the embodiment can prevent a situation in which a specific campaign is not used and can give the maximum profit that can be enjoyed by the user, so that the user enjoys an appropriate combination of profits. be able to. In addition, the payment server 10 according to the embodiment calculates the amount of profit given by the campaign on the spot where the user makes a payment, actually gives the profit, and provides information indicating the given profit in real time. Can be communicated to users. For this reason, the user can easily confirm how much profit was given from which campaign by the settlement, and the user can take actions using the given profit and actions for further profiting from the campaign. It will be easier to take. That is, the payment server 10 according to the embodiment can improve the user experience in the campaign.

Further, in the payment server 10 according to the embodiment, for example, the specifying unit 43 specifies a combination based on an amount corresponding to a part of the amount that can be given to the user by the profit that the user can enjoy. Further, the specific unit 43 specifies a combination from the profit groups that can be enjoyed by the user and are classified into any of a plurality of groups based on a predetermined standard. In addition, the identification unit 43 identifies a combination from a profit group classified into any of a plurality of groups based on the profit provider. In addition, the identification unit 43 specifies, as a combination, a combination of profits classified into different groups. Further, the specific unit 43 identifies a combination from the profit group based on the group priority which is the priority for giving the user a profit and which is the priority set for each of the plurality of groups. In addition, the specific unit 43 extracts the profit with the highest amount given to the user in the classified group from the profit group, and specifies the combination based on the extracted profit. In addition, the specific unit 43 accepts the profit provided by the predetermined local government, the profit provided by the provider who provides the service related to the predetermined payment means, and the payment from the user using the predetermined payment means. Identify the combination from the profit group that is classified as one of the profits provided by the business operator.

As a result, the payment server 10 according to the embodiment can prevent a situation in which a specific campaign is not used and can give the maximum profit that can be enjoyed by the user, so that the user enjoys an appropriate combination of profits. be able to.

Further, in the payment server 10 according to the embodiment, for example, the specific unit 43 is combined from the profit group based on the group priority set highest for the group in which the profit provided by the predetermined local government is classified. To identify.

As a result, when the settlement server 10 according to the embodiment provides a campaign using subsidies or the like provided by the local government as a source of funds, a situation occurs in which the local government receives a request to preferentially apply the campaign. However, the user can enjoy appropriate benefits.

Further, in the payment server 10 according to the embodiment, for example, the specific unit 43 extracts the profit from the profit group based on the priority of giving the profit to the user and the priority in the classified group. , Identify combinations based on extracted profits.

As a result, the payment server 10 according to the embodiment can more flexibly specify the combination of campaigns by setting the priority among the campaigns classified into the same group.

Further, in the payment server 10 according to the embodiment, for example, the specific unit 43 specifies a combination based on the balance of the amount that can be given to the user by the profit that the user can enjoy. In addition, the specific unit 43 preferentially extracts the profits that can be enjoyed by the user from those having a large balance, and specifies the combination based on the extracted profits. In addition, the specific unit 43 preferentially extracts the profits that can be enjoyed by the user from those with the smallest remaining amount, and specifies the combination based on the extracted profits.

As a result, the payment server 10 according to the embodiment can prevent a situation in which the campaign applied to the user is biased, and can grant the user the full amount of the upper limit that can be granted by the campaign.

Further, in the payment server 10 according to the embodiment, for example, the specific unit 43 preferentially extracts from the profits that can be enjoyed by the user and has a large balance of resources, and specifies the combination based on the extracted profits. do.

As a result, the payment server 10 according to the embodiment can prevent a situation in which the campaign applied to the user is biased by preferentially applying the campaign having abundant resources to the user.

Further, in the payment server 10 according to the embodiment, for example, the providing unit 45 provides information indicating the profit given to the user and indicates the usage state of the profit.

As a result, the settlement server 10 according to the embodiment can motivate the user to take an action to enjoy the profit by providing the information that the remaining amount of the profit allocation still remains. ..

[6. Hardware configuration]
Further, the payment server 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 payment server 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 payment server. 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 that depends 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 payment server 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 payment server 10 is stored in the HDD 1400. The CPU 1100 of the computer 1000 reads and executes these programs from the recording medium 1800, 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 payment server 10 described above 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 reception unit can be read as a reception means or a reception circuit.

10 Payment server 20 Communication unit 30 Storage unit 31 Account database 32 Profit information database 33 User information database 40 Control unit 41 Reception unit 42 Payment processing unit 43 Specific unit 44 Grant unit 45 Provision unit 100 Terminal device

Claims (22)

A reception unit that accepts payment information including the payment amount, which is payment information related to payment performed by the user using a predetermined payment method.
A combination of profits that can be enjoyed by the user based on the payment information received by the reception unit, and the ratio of the total amount of profits given to the user to the payment amount is equal to or less than a predetermined threshold value. A specific part that identifies the combination that becomes
Based on a combination of benefits that is specified by the specifying unit, possess a deposition unit that imparts a benefit to the user,
The specific part is
An granting device that specifies the combination based on the balance of the amount that can be granted to the user by the profit that can be enjoyed by the user and is set by the provider of the benefit. A reception unit that accepts payment information including the payment amount, which is payment information related to payment performed by the user using a predetermined payment method.
A combination of profits that can be enjoyed by the user based on the payment information received by the reception unit, and the ratio of the total amount of profits given to the user to the payment amount is equal to or less than a predetermined threshold value. A specific part that identifies the combination that becomes
With the granting unit that grants profits to the user based on the combination of profits specified by the specific unit
Have,
The specific part is
Among the profits that can be enjoyed by the user, those with a large balance of resources are preferentially extracted, and the combination is specified based on the extracted profits.
A granting device characterized by that. The specific part is
The granting device according to claim 2 , wherein the combination is specified based on the balance of the amount that can be granted to the user by the profit that the user can enjoy. The specific part is
The granting device according to claim 1 or 3, wherein among the profits that can be enjoyed by the user, those having a large balance are preferentially extracted, and the combination is specified based on the extracted profits. The specific part is
The granting device according to claim 1 or 3, wherein the profits that can be enjoyed by the user are preferentially extracted from those having the smallest remaining amount, and the combination is specified based on the extracted profits. The specific part is
One of claims 1 to 5 , characterized in that the combination is specified based on an amount corresponding to a part of the amount that can be given to the user by the profit that can be enjoyed by the user. The described granting device. The specific part is
Of claims 1 to 6 , wherein the combination is specified from a profit group that can be enjoyed by the user and is classified into any of a plurality of groups based on a predetermined standard. The granting device according to any one. The specific part is
The granting device according to claim 7 , wherein the combination is specified from the profit group classified into any of the plurality of groups based on the profit provider. The specific part is
Profit provided by a predetermined municipality, profit provided by a provider who provides a service related to the predetermined payment means, and provided by a business operator that accepts payment from the user using the predetermined payment means. The granting device according to claim 7 or 8 , wherein the combination is specified from the profit group classified into any of the profits. The specific part is
The granting device according to any one of claims 7 to 9 , wherein as the combination, a combination of profits classified into different groups is specified. The specific part is
A claim characterized in that the combination is specified from the profit group based on the group priority which is the priority for giving profit to the user and is the priority set for each of the plurality of groups. The granting device according to any one of 7 to 10. The specific part is
The grant according to claim 11 , wherein the combination is specified from the profit group based on the group priority set highest for the group in which the profit provided by the predetermined municipality is classified. Device. The specific part is
Of claims 7 to 12 , the profit having the highest amount given to the user in the classified group is extracted from the profit group, and the combination is specified based on the extracted profit. The granting device according to any one. The specific part is
It is a priority for giving profits to the users from the profit group, and is characterized in that profits are extracted based on the priority within the classified group and the combination is specified based on the extracted profits. The granting device according to any one of claims 7 to 13. The granting device according to any one of claims 1 to 14 , further comprising a providing section that provides the user with information indicating the benefit given to the user by the granting section. The providing part
A claim characterized in that it is a screen of a terminal device used by the user for the predetermined payment means, and provides information displayed on a screen indicating that the payment used for the predetermined payment means has been completed. The granting device according to 15. The providing part
The granting device according to claim 15 or 16 , wherein the information indicating the profit granted to the user and the information indicating the usage state of the profit is provided. The granting part
The granting device according to any one of claims 1 to 17 , wherein a profit that becomes available to the user after a lapse of a predetermined period is granted. It ’s a computer-executed granting method.
A reception process that accepts payment information including the payment amount, which is payment information related to payment performed by the user using a predetermined payment method.
A combination of profits that can be enjoyed by the user based on the payment information received by the reception process, and the ratio of the total amount of profits given to the user to the payment amount is equal to or less than a predetermined threshold value. A specific process that identifies the combination that becomes
Based on a combination of benefits that is specified by the specifying step, seen including a step of applying a benefit to the user,
The specific step is
A granting method characterized in that the combination is specified based on the balance of the amount that can be granted to the user by the profit that can be enjoyed by the user and is set by the provider of the benefit. A reception procedure for accepting payment information including payment amount, which is payment information related to payment performed by a user using a predetermined payment method.
A combination of profits that can be enjoyed by the user based on the payment information received by the reception procedure, and the ratio of the total amount of profits given to the user to the payment amount is equal to or less than a predetermined threshold value. A specific procedure to identify the combination that becomes
Based on the combination of profits specified by the specific procedure, the computer is made to execute the grant procedure for giving profits to the user .
The specific procedure
An granting program characterized in that the combination is specified based on the balance of the amount that can be granted to the user by the profit that can be enjoyed by the user and is set by the provider of the benefit. It ’s a computer-executed granting method.
A reception process that accepts payment information including the payment amount, which is payment information related to payment performed by the user using a predetermined payment method.
A combination of profits that can be enjoyed by the user based on the payment information received by the reception process, and the ratio of the total amount of profits given to the user to the payment amount is equal to or less than a predetermined threshold value. A specific process that identifies the combination that becomes
With the granting process that grants profits to the user based on the combination of profits specified by the specific process.
Including
The specific step is
Among the profits that can be enjoyed by the user, those with a large balance of resources are preferentially extracted, and the combination is specified based on the extracted profits.
A granting device characterized by that. A reception procedure for accepting payment information including payment amount, which is payment information related to payment performed by a user using a predetermined payment method.
A combination of profits that can be enjoyed by the user based on the payment information received by the reception procedure, and the ratio of the total amount of profits given to the user to the payment amount is equal to or less than a predetermined threshold value. A specific procedure to identify the combination that becomes
With the granting procedure that grants profits to the user based on the combination of profits specified by the specific procedure.
Let the computer run
The specific procedure
Among the profits that can be enjoyed by the user, those with a large balance of resources are preferentially extracted, and the combination is specified based on the extracted profits.
A grant program characterized by that.

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