JP7055929B1 - 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 for improving user convenience in payment. SOLUTION: In a grant processing system, a payment server 10 which is a grant device is received by a reception unit and a reception unit that receive payment information including payment identification information for identifying a payment using a user terminal used by a user. Based on the payment identification information indicated by the payment information, the acquisition unit and the acquisition unit acquire transaction target information including transaction target identification information that identifies the transaction target that is the target of payment from an external device different from the granting device. Based on the acquired transaction target information, a specific part that specifies the coupon applicable to the user among the coupons that the user has acquired in advance, and a grant that gives the user a profit based on the coupon specified by the specific part. With a part. [Selection diagram] Fig. 2

Description

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

Conventionally, there is known a technique of giving a predetermined profit to a user who purchases a predetermined transaction target. As an example of such a technique, a technique has been proposed in which a discount coupon is issued for an arbitrary product and a discount settlement for the corresponding product is performed at the time of payment at the cash register.

Japanese Unexamined Patent Publication No. 2010-218483

However, the above-mentioned conventional technique is not always convenient for the user.

For example, in the above-mentioned conventional technique, at the time of payment, the consumer needs to present the coupon issued by the coupon issuing device installed in the store, and the coupon using device needs to read the coupon information, which is convenient for the user. Is not always good.

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 that improve the convenience of a user in payment.

The granting device according to the present application includes a storage unit that stores user-specific information and a coupon acquired by the user in association with each other, the user-specific information, and the use used by the user. From a reception unit that receives payment information including payment identification information that identifies payment using a user terminal, and from an external device different from the granting device based on the payment identification information indicated by the payment information received by the reception unit. The acquisition unit that acquires the transaction target information including the transaction target identification information that identifies the transaction target that is the target of the settlement, and the coupon that the user has acquired in advance based on the transaction target information acquired by the acquisition unit. Among them, it is characterized by having a specific unit that specifies a coupon applicable to the user and a grant unit that grants a profit based on the coupon specified by the specific unit to the user.

According to one aspect of the embodiment, there is an effect that the convenience of the user in payment can be improved.

FIG. 1 is a diagram showing an example of a grant process according to an embodiment. FIG. 2 is a diagram showing a configuration example of a payment server according to an embodiment. FIG. 3 is a diagram showing an example of an account database according to an embodiment. FIG. 4 is a diagram showing an example of a transaction target information database according to an embodiment. FIG. 5 is a diagram showing an example of a coupon information database according to an embodiment. FIG. 6 is a diagram showing an example of a user information database according to an 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 a payment server.

Hereinafter, the granting device, the granting method, and the embodiment for implementing the granting program (hereinafter referred to as “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 apparatus and the like of the present embodiment will be described with reference to FIG. FIG. 1 is a diagram showing an example of a grant 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, a user terminal 100, a store terminal 200, and an external device 300. The payment server 10, the user terminal 100, the store terminal 200, and the external device 300 are connected to each other via a network N (for example, see FIG. 2) 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, a plurality of user terminals 100, a plurality of store terminals 200, and a plurality of external devices 300.

The payment server 10 shown in FIG. 1 is an information processing device that executes a grant process according to an 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 user terminal 100. For example, the payment server 10 manages the accounts of the provider (business operator) of the transaction target and the user to which 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.

Further, the payment server 10 is given to the user in the electronic payment service, and the coupon information regarding the coupon that can be used in the electronic payment service (for example, the identification information (transaction target) that identifies the transaction target (product) to which the coupon is applied). Identification information), the content of the profit given to the user by the coupon (cash back of a predetermined amount, etc.), the acquisition conditions for the user to acquire the coupon, etc.), the provider of the coupon (in other words, the coupon It plans, sets, etc., accepts from the person who invests (provides) the source of the coupon, and manages it in the storage part of its own device. For example, the payment server 10 manages information indicated by a barcode (a barcode such as a JAN code or an in-store code) attached to a transaction target as transaction target identification information.

Further, the payment server 10 associates the user with the coupon acquired by the user and manages the user in the storage unit of the own device.

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. Further, the user terminal 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 user terminal 100 is a smartphone is shown.

When the user terminal 100 receives the control information for realizing the predetermined information processing from the payment server 10, the user terminal 100 realizes the information processing according to the control information. Here, the control information is, for example, a script language such as Javascript (registered trademark), a style sheet language such as CSS (Cascading Style Sheets), a programming language such as Java (registered trademark), and a mark such as HTML (HyperText Markup Language). It is described in an up language or the like. The predetermined application itself distributed from the payment server 10 may be regarded as control information.

The store terminal 200 shown in FIG. 1 is an information processing device used in a store that provides a transaction target to a user. The store terminal 200 is realized by, for example, a POS (Point of Sales) terminal, a smartphone, a tablet terminal, a notebook PC, a desktop PC, a mobile phone, a PDA, or the like. Further, the store terminal 200 displays the information distributed by the payment server 10 by a web browser or an application.

In the example shown in FIG. 1, the store terminal 200 is a POS terminal installed in a store, and transaction target information regarding a transaction target provided in the store is managed. For example, the store terminal 200 manages the price of the transaction target in association with the information (transaction target identification information) indicated by the barcode attached to the transaction target.

The external device 300 shown in FIG. 1 is an information processing device that manages information about a transaction target provided by a store, information about payments made to a store by a user, and the like, and is realized by a server device, a cloud system, or the like. To. For example, the external device 300 uses information such as transaction target identification information indicated by the JAN code, transaction target information (name, etc.) associated with the JAN code, and transaction target price as information related to the transaction target on a predetermined server. It is acquired from (JAN code integrated product information database, etc.) or the business terminal used by the business that manages the store, and the acquired information is stored in the storage unit of the own device. Further, the external device 300 uses information such as the transaction target identification information indicated by the in-store code independently assigned by the business operator who manages the store, the name of the transaction target, and the price of the transaction target as information related to the transaction target. It is acquired from the business terminal used by M1 and stored in the storage unit of its own device. Further, in the external device 300, the user stores information such as identification information (settlement number) for identifying a payment using the user terminal 100, which will be described later, and transaction target identification information for a transaction target, which is the target of the payment. The information regarding the payment made to the customer is received from the store terminal 200 and stored in the storage unit of the own device.

[1-1. About payment using user terminal 100]
Here, an example of payment (electronic payment) using the user terminal 100 will be described prior to the grant processing executed by the payment server 10. In the following description, the user U1 uses a two-dimensional code (QR code (registered trademark)) arranged in the store A and indicates the store identification information that identifies the store A. An example of making a payment using the person terminal 100 will be described, but the embodiment is not limited to this. The example of payment described below can be applied even when an arbitrary user 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 but also a barcode, a predetermined mark, a number, or the like.

For example, when the user U1 uses or purchases a payment target (transaction target) such as various products or services at the store A, the user U1 uses a payment application pre-installed on the user terminal 100. to start. Then, the user U1 photographs the store identification information installed in the store A via the payment 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 U1 or the clerk of the store A. Then, the user terminal 100 uses the user identification information for identifying the user U1 and the store identification information (or the information indicated by the store identification information, that is, the information indicating the store A (or the business operator M1 of the store A) (or the information indicating the store A (or the business operator M1 of the store A)). For example, the payment information indicating the store ID)) and 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 U1 indicated by the user identification information to the account of the store A indicated by the store identification information. Then, the payment server 10 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 and a predetermined voice. Here, the payment server 10 may deduct a predetermined fee (management fee, etc.) from the account of the member store A when transferring the electronic money to the account of the store A or at a predetermined timing.

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 200 installed in the store A. For example, the user terminal 100 displays user identification information for identifying the user U1 on the screen. In such a case, the store terminal 200 installed in the store A reads the user identification information displayed on the user terminal 100, and the user identification information (or the information indicated by the user identification information, that is, the user). Information indicating U1 (for example, user ID)), payment amount, and payment information indicating information identifying 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 U1 indicated by the user identification information to the account of the store A, and the store terminal 200 of the store A or the use. The person 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 U1 to the account of the store A, but also, for example, the credit registered in advance by the user U1. Payment using a card may be used. In such a case, for example, the user terminal 100 transfers the electronic money of the payment amount to the account of the store A, and charges the payment amount to the credit card management company (card company) of the user U1. You may.

Further, the payment using the user terminal 100 is not only a process of transferring electronic money from the account of the user U1 to the account of the store A, but also, for example, the payment server 10 has the payment amount from the account of the user U1. The electronic commerce payment system may be withdrawn and cash in the amount obtained by subtracting a predetermined fee (administrative fee, etc.) from the settlement amount may be deposited in the bank account of the store A. In such a case, for example, the payment server 10 manages the payment amount from each user to the store A as the sales information of the store A, and at a predetermined timing, based on the sales information, the sales are sent to the bank account of the store A. Deposit cash in the amount obtained by subtracting the prescribed fee from (the total amount of payments shown in the sales information).

The payment server 10 transfers cash to the bank account of store A or electronic money to the account of store A when the source of the coupon used at the time of payment is borne by store A. At the time of transfer, etc., the processing of subtracting the cash of the burden from the settlement amount and depositing it in the bank account, or subtracting the electronic money of the share from the settlement amount and transferring it to the store A account may be executed. ..

[1-2. About the outline of the embodiment]
Here, conventionally, as an example of a technique for giving a predetermined profit to a user who purchases a predetermined transaction target, a discount coupon for an arbitrary product is issued, and a discount settlement for the corresponding product is made at the time of payment at the cash register. Techniques for doing this have been proposed. However, with such a technique, at the time of payment, the consumer needs to present the coupon issued by the coupon issuing device installed in the store, and the coupon using device needs to read the coupon information, which is convenient for the user. Is not always good.

Therefore, the payment server 10 executes the grant process according to the embodiment. Hereinafter, the grant process executed by the payment server 10 will be described with reference to FIG. In the following description, an example is shown in which the user terminal 100 is used by the user U1 and the store terminal 200 is installed in the store A. Further, in the following description, the user terminal 100 may be equated with the user U1. That is, in the following, the user U1 can be read as the user terminal 100.

Further, in the following description, the user U1 activates the payment application pre-installed on the user terminal 100, and performs a predetermined operation for acquiring a coupon that can be used in the payment using the above-mentioned payment application. It is assumed that it is. Then, it is assumed that the payment server 10 associates the user ID indicating the user U1 with the coupon acquired by the user U1 and manages them in the storage unit of the own device.

First, the store terminal 200 reads the barcode of each transaction target purchased by the user U1 who visits the store A by payment using the payment application described above, and the user ID that identifies the user U1 (step). S1). For example, the store terminal 200 reads the transaction target identification information indicated by the bar code attached to the transaction target and the user ID displayed on the user terminal 100 by a bar code reader or the like at the time of accounting.

Subsequently, the store terminal 200 transmits the transaction target identification information indicated by the barcode and the payment number that identifies the payment to the external device 300 (step S2). For example, the store terminal 200 transmits to the external device 300 the transaction target identification information indicated by the bar code of each transaction target read in step S1 and the payment number # 1 that identifies the payment of the user U1 to the store A. Then, the external device 300 associates the transaction target identification information transmitted from the store terminal 200 with the payment number # 1 and manages it in the storage unit of the own device.

Subsequently, the store terminal 200 transmits the payment information # 1 related to the payment in step S1 to the payment server 10 (step S3). For example, the store terminal 200 has a user ID that identifies the user U1, a store ID that identifies the store A, and a price associated with the transaction target identification information indicated by the barcode of each transaction target read in step S1. The payment information # 1 including the total amount (settlement amount) and the payment number # 1 is transmitted to the payment server 10.

Subsequently, the payment server 10 transmits the payment number # 1 to the external device 300 (step S4). Subsequently, the payment server 10 acquires the transaction target information # 1 regarding the transaction target to be settled in step S1 from the external device 300 based on the payment number # 1 (step S5). For example, the payment server 10 acquires the transaction target information # 1 including the transaction target identification information linked to the payment number # 1 in the external device 300 and the price associated with the transaction target identification information. .. The payment server 10 may acquire the transaction target information # 1 provided from the external device 300 via the API (Application Programming Interface).

Subsequently, the payment server 10 identifies a coupon applicable to the user U1 based on the transaction target information # 1 among the coupons previously acquired by the user U1 (step S6). For example, the settlement server 10 specifies the coupon # 1 to which the transaction target indicated by the transaction target identification information included in the transaction target information # 1 is set as an application target.

Subsequently, the payment server 10 executes a payment process based on the payment information # 1 and imparts a profit based on the coupon # 1 to the user U1 (step S7). For example, the payment server 10 transfers the electronic money of the amount indicated by the payment amount from the account of the user U1 indicated by the user ID to the account of the store A indicated by the store ID based on the payment information # 1. Then, the payment server 10 deposits a predetermined amount of electronic money given to the user U1 by the coupon # 1 into the account of the user U1.

The payment server 10 may execute the payment process based on the payment information # 1 after receiving the payment information # 1 in step S3. In this case, the payment server 10 performs the processing of steps S4 and S5 after executing the payment processing, identifies the coupon applicable to the user U1, and grants the profit based on the specified coupon to the user U1. ..

Subsequently, the payment server 10 transmits a notification indicating that the payment has been completed to the store terminal 200 (step S8). Subsequently, the store terminal 200 displays a screen indicating that the payment has been completed (step S9). For example, the store terminal 200 outputs a screen indicating that the payment based on the payment information # 1 has been completed and a predetermined voice.

As described above, the payment server 10 according to the embodiment acquires the transaction target information regarding the payment target of the user from the external device 300, and gives the user the profit based on the coupon specified based on the acquired transaction target information. Give. As a result, the payment server 10 according to the embodiment can automatically apply the coupon applicable to the user in the payment using the payment application. That is, the payment server 10 according to the embodiment can improve the convenience of the user in payment.

[2. Payment server configuration]
Next, the configuration of the payment server 10 will be described with reference to FIG. FIG. 2 is a diagram showing a configuration example of a payment server according to an embodiment. As shown in FIG. 2, the payment server 10 has 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 user terminal 100, the store terminal 200, the external device 300, and the like.

(About the 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 transaction target information database 32, a coupon information database 33, and a user information database 34.

(About account database 31)
The account database 31 stores various information about accounts owned by users, stores (businesses), 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. 3 is a diagram showing an example of an account database according to an embodiment. In the example of FIG. 3, 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. 3 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 the transaction target information database 32)
The transaction target information database 32 stores various information regarding the transaction target provided by the business operator. For example, the payment server 10 uses information such as transaction target identification information indicated by the JAN code, transaction target information linked to the JAN code, and transaction target price as information related to the transaction target, such as a predetermined server or store. It is acquired from a business terminal or the like used by the business to be managed, and the acquired information is stored in the transaction target information database 32. Further, the payment server 10 uses information such as the transaction target identification information indicated by the in-store code independently assigned by the business operator who manages the store, the name of the transaction target, and the price of the transaction target as information related to the transaction target. It is acquired from the business terminal used by the company and stored in the transaction target information database 32.

Here, an example of the information stored in the transaction target information database 32 will be described with reference to FIG. FIG. 4 is a diagram showing an example of a transaction target information database according to an embodiment. In the example of FIG. 4, the transaction target information database 32 has items such as "business ID", "name", "price", "identification information", and "coupon information".

"Business ID" indicates identification information for identifying a business. "Name" indicates the name of the transaction target. "Price" indicates the price of the transaction target. The "identification information" indicates the identification information (transaction target identification information) indicated by the barcode attached to the transaction target. "Coupon information" indicates information about a coupon to which a transaction target is applied.

That is, in FIG. 4, the name of the transaction target provided by the business ID "MID # 1" is "name # 1," the price is "1,000 yen," and the transaction target identification information indicated by the barcode is ". An example is shown in which the information regarding the "identification information # 1" and the applicable coupon is "coupon information # 1".

(About coupon information database 33)
The coupon information database 33 stores various information regarding the coupon applied to the user. Here, an example of the information stored in the coupon information database 33 will be described with reference to FIG. FIG. 5 is a diagram showing an example of a coupon information database according to an embodiment. In the example of FIG. 5, the coupon information database 33 has items such as "business ID" and "coupon information".

The "business ID" indicates identification information for identifying a business that requests the distribution of a coupon to a user (in other words, a business that provides the source of the coupon). The "coupon information" indicates information related to the coupon, and has items such as "coupon ID", "identification information", "profit content", and "acquisition condition". The "coupon ID" indicates identification information for identifying the coupon. The "identification information" indicates the information indicated by the barcode attached to the transaction target to which the coupon is applied. For example, the JAN code attached to the product by the manufacturer of the transaction target or each of the member stores of the electronic payment service Stores information indicated by an in-store code that is uniquely numbered. "Profit content" indicates the content of the profit given to the user by the coupon. The "acquisition condition" indicates a condition for the user to acquire a coupon (for example, a demographic attribute, a psychographic attribute, a payment history).

That is, in FIG. 5, the coupon provided by the business operator identified by the business operator ID “MID # 1” is identified by the coupon ID “CID # 1”, and the identification information of the transaction target to be applied is the “identification information #”. 1 ”, the profit content is“ profit content # 1 ”, and the acquisition condition is“ acquisition condition # 1 ”.

(About user information database 34)
The user information database 34 stores various information about users of the electronic payment service provided by the payment server 10. Here, an example of the information stored in the user information database 34 will be described with reference to FIG. FIG. 6 is a diagram showing an example of a user information database according to an embodiment. In the example of FIG. 6, the user information database 34 has items such as "user ID", "payment history", and "acquired coupon".

The "user ID" indicates identification information for identifying the 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 "acquired coupon" indicates a coupon acquired by the user among the coupons indicated by the coupon information stored in the coupon information database 33, and for example, identification information for identifying the coupon 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 acquired coupon is “acquired coupon # 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. 2, the control unit 40 according to the embodiment has a reception unit 41, an acquisition unit 42, a specific unit 43, a settlement processing unit 44, and an granting 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 including payment identification information that identifies payment using a user terminal used by the user. For example, in the example of FIG. 1, the reception unit 41 is associated with the user ID that identifies the user U1, the store ID that identifies the store A, and the transaction target identification information indicated by the barcode of each transaction target. Accepts payment information # 1 including the total price (settlement amount) and payment number # 1.

Further, the reception unit 41 may receive payment information transmitted from the store terminal used by the store that provides the transaction target. For example, in the example of FIG. 1, the reception unit 41 receives the payment information # 1 from the store terminal 200.

(About acquisition unit 42)
The acquisition unit 42 includes a transaction target identification information that identifies a transaction target to be settled from an external device different from the granting device based on the payment identification information indicated by the payment information received by the reception unit 41. Get information. For example, in the example of FIG. 1, the acquisition unit 42 is associated with the transaction target identification information managed by being associated with the payment number # 1 and the transaction target identification information from the external device 300 different from the payment server 10. Acquire transaction target information # 1 including the price.

Further, even if the acquisition unit 42 acquires the transaction target information from an external device that manages the transaction target identification information transmitted from the store terminal used by the store that provides the transaction target in association with the settlement identification information. good. For example, in the example of FIG. 1, the acquisition unit 42 acquires the transaction target information # 1 from the external device 300 that manages the transaction target identification information transmitted from the store terminal 200 in association with the payment number # 1. ..

Further, the acquisition unit 42 may acquire transaction target information from an external device via the API. For example, in the example of FIG. 1, the acquisition unit 42 acquires the transaction target information # 1 provided from the external device 300 via the API.

Further, the acquisition unit 42 may acquire the transaction target information including the transaction target identification information read by the store terminal used by the store that provides the transaction target. For example, in the example of FIG. 1, the acquisition unit 42 acquires the transaction target information # 1 including the transaction target identification information read by the store terminal 200.

Further, the acquisition unit 42 may acquire the transaction target information including the transaction target identification information indicated by the bar code attached to the transaction target. For example, in the example of FIG. 1, the acquisition unit 42 acquires the transaction target information # 1 including the transaction target identification information indicated by the bar code attached to the transaction target.

Further, the acquisition unit 42 may acquire the transaction target information including the transaction target identification information independently set by the provider. For example, in the example of FIG. 1, the acquisition unit 42 acquires the transaction target information # 1 including the transaction target identification information indicated by the in-store code.

Further, the acquisition unit 42 may acquire transaction target information including transaction target identification information standardized by a predetermined institution as information for identifying a transaction target. For example, in the example of FIG. 1, the acquisition unit 42 acquires the transaction target information # 1 including the transaction target identification information indicated by the JIS standard barcode.

(About the specific part 43)
The specific unit 43 may specify a coupon applicable to the user among the coupons acquired in advance by the user based on the transaction target information acquired by the acquisition unit 42. For example, in the example of FIG. 1, the specific unit 43 refers to the coupon information database 33 and the user information database 34, and the transaction target indicated by the transaction target identification information included in the transaction target information # 1 is set as an application target. Identify the coupon # 1 you have.

(About payment processing unit 44)
The payment processing unit 44 executes payment processing from the user to the store based on the payment information. For example, in the example of FIG. 1, the payment processing unit 44 electronically transfers the amount indicated by the payment amount from the account of the user U1 indicated by the user ID to the account of the store A indicated by the store ID based on the payment information # 1. Transfer money.

(About the granting part 45)
The granting unit 45 grants the user a profit based on the coupon specified by the specific unit 43. For example, in the example of FIG. 1, the granting unit 45 executes a process of depositing a predetermined amount of electronic money given to the user U1 by the coupon # 1 into the account of the user U1.

[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 including payment identification information that identifies payment using a user terminal used by the user (step S101). Subsequently, the payment server 10 acquires transaction target information including transaction target identification information for identifying a transaction target to be settled from an external device based on the payment identification information (step S102). Subsequently, the payment server 10 identifies a coupon applicable to the user among the coupons previously acquired by the user based on the transaction target information (step S103). Subsequently, the payment server 10 grants the profit based on the specified coupon to the user (step S104), and ends the process.

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

[4-1. About coupon generation]
In the above embodiment, the payment server 10 may receive setting information regarding coupon setting from a business operator, generate a coupon based on the setting information and transaction target information, and distribute it to a user. For example, the payment server 10 refers to the transaction target information database 32, and provides content indicating the transaction target information associated with the in-store code received from the business operator terminal and the transaction target information associated with the JAN code. A coupon that can be applied to a predetermined transaction target is generated based on the setting information provided to the user terminal and received via the content.

Further, the payment server 10 may accept setting information regarding coupon settings applicable to a plurality of transaction targets. For example, the payment server 10 receives setting information regarding the setting of one coupon applicable to a plurality of transaction targets. To give a specific example, when the payment server 10 sets a 10% reduction coupon for rice balls, a plurality of transaction targets to which the coupon is applied, such as pickled plum rice balls and mentaiko rice balls, for one coupon ID. Accepts setting information including the specification of. Then, the payment server 10 generates a coupon in which identification information of a plurality of transaction targets such as umeboshi rice balls and mentaiko rice balls is associated with one coupon ID.

[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 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 text and drawings can be arbitrarily changed unless otherwise specified. For example, the various information shown in each figure is not limited to the information shown in the figure.

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 them may be functionally or physically distributed / physically 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, an acquisition unit 42, a specific unit 43, a payment processing unit 44, and an granting unit 45. The reception unit 41 receives payment information including payment identification information that identifies payment using a user terminal used by the user. In addition, the reception unit 41 receives payment information transmitted from the store terminal used by the store that provides the transaction target. The acquisition unit 42 includes a transaction target identification information that identifies a transaction target to be settled from an external device different from the granting device based on the payment identification information indicated by the payment information received by the reception unit 41. Get information. Further, the acquisition unit 42 acquires the transaction target information from the external device that manages the transaction target identification information transmitted from the store terminal used by the store that provides the transaction target in association with the settlement identification information. Further, the acquisition unit 42 acquires the transaction target information from the external device via the API. Further, the acquisition unit 42 acquires the transaction target information including the transaction target identification information read by the store terminal used by the store that provides the transaction target. The specific unit 43 identifies a coupon applicable to the user among the coupons acquired in advance by the user based on the transaction target information acquired by the acquisition unit 42. The payment processing unit 44 executes payment processing from the user to the store based on the payment information. The granting unit 45 grants the user a profit based on the coupon specified by the specific unit 43.

As a result, the payment server 10 according to the embodiment can automatically apply the coupon applicable to the user in the payment using the payment application, so that the convenience of the user in the payment can be improved. ..

Further, in the settlement server 10 according to the embodiment, for example, the acquisition unit 42 acquires transaction target information including transaction target identification information indicated by a barcode attached to the transaction target. In addition, the acquisition unit 42 acquires the transaction target information including the transaction target identification information independently set by the provider. In addition, the acquisition unit 42 acquires transaction target information including transaction target identification information standardized by a predetermined institution as information for identifying a transaction target.

As a result, the payment server 10 according to the embodiment can receive various transaction target identification information, identify applicable coupons, and give a profit, so that convenience can be improved.

[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 a 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 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 communication interface 1500 receives data generated by the CPU 1100 via the communication network 500 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 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 a 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 carry out the present invention in other modified 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 department 30 Storage department 31 Account database 32 Transaction target information database 33 Coupon information database 34 User information database 40 Control department 41 Reception department 42 Acquisition department 43 Specific department 44 Payment processing department 45 Grant department 100 User terminal 200 Store terminal 300 External device

Claims (10)

It is a granting device
A storage unit that stores user-specific information specific to the user and the coupon acquired by the user in association with each other.
A reception unit that receives payment information including the user-specific information and payment identification information that identifies payment using the user terminal used by the user.
Based on the payment identification information indicated by the payment information received by the reception unit, transaction target information including transaction target identification information for identifying the transaction target to be settled is acquired from an external device different from the granting device. Acquisition department and
Based on the transaction target information acquired by the acquisition unit, the specific unit that identifies the coupon applicable to the user among the coupons acquired in advance by the user, and the specific unit.
A granting device comprising a granting unit that grants a profit based on a coupon specified by the specific unit to the user. The acquisition unit
It is characterized in that the transaction target information is acquired from the external device that manages the transaction target identification information transmitted from the store terminal used by the store that provides the transaction target in association with the payment identification information. The granting device according to claim 1. The acquisition unit
The granting device according to claim 1 or 2, wherein the transaction target information is acquired from the external device via an API (Application Programming Interface). The reception department
Accepting the payment information transmitted from the store terminal used by the store that provides the transaction target,
The granting device according to any one of claims 1 to 3, further comprising a processing unit that executes payment processing from the user to the store based on the payment information. The acquisition unit
The granting device according to any one of claims 1 to 4, wherein the transaction target information including the transaction target identification information read by the store terminal used by the store providing the transaction target is acquired. .. The acquisition unit
The granting device according to any one of claims 1 to 5, wherein the transaction target information including the transaction target identification information indicated by the barcode attached to the transaction target is acquired. The acquisition unit
The granting device according to any one of claims 1 to 6, wherein the provider of the transaction target acquires the transaction target information including the transaction target identification information independently set. The acquisition unit
The grant according to any one of claims 1 to 7, wherein the transaction target information including the transaction target identification information standardized by a predetermined institution is acquired as the transaction target identification information. Device. It is a granting method executed by the granting device.
A management process that links and manages user-specific information specific to the user and the coupon acquired by the user, and
A reception process that accepts payment information including the user-specific information and payment identification information that identifies payment using the user terminal used by the user.
Based on the payment identification information indicated by the payment information received by the reception process, transaction target information including transaction target identification information for identifying the transaction target to be settled is acquired from an external device different from the granting device. Acquisition process and
A specific process for specifying a coupon applicable to the user among the coupons acquired in advance by the user based on the transaction target information acquired by the acquisition process.
A granting method comprising a granting step of granting a profit based on a coupon specified by the specific step to the user. It is a grant program executed by the grant device.
A management procedure for linking and managing user-specific information specific to the user and the coupon acquired by the user, and
A reception procedure for accepting payment information including the user-specific information and payment identification information for identifying payment using the user terminal used by the user, and
Based on the payment identification information indicated by the payment information received by the reception procedure, transaction target information including transaction target identification information for identifying the transaction target to be settled is acquired from an external device different from the granting device. Acquisition procedure and
Based on the transaction target information acquired by the acquisition procedure, a specific procedure for specifying a coupon applicable to the user among the coupons acquired in advance by the user, and a specific procedure.
A granting program characterized by causing a granting device to execute a granting procedure for granting a profit based on a coupon specified by the specific procedure to the user.

Images