JP7121183B1 - Provision device, provision method and provision program - Google Patents

Abstract

An object of the present invention is to improve convenience for users and businesses.
A providing device according to the present application provides information about a stamp given to an electronic stamp card linked to a store where a user makes a payment, and provides the user with a predetermined privilege related to the store. characterized by having a reception unit that accepts conditions for providing, and a calculation unit that calculates the amount charged to the store when the stamp given to the stamp card satisfies the conditions for providing the user with a predetermined privilege. do.
[Selection drawing] Fig. 1

Description

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

Conventionally, techniques for providing services aimed at attracting users to shops are known. As an example of such technology, a technology has been proposed that provides users with services related to computerized stamps in shopping services.

JP 2019-219962 A JP 2016-106286 A

However, the conventional technology described above is not always convenient for users and business operators.

For example, in the above-described conventional technology, stamps are only given in response to the user's electronic commerce order to the store. It is not always convenient for users.

In addition, if the user conducts a commercial transaction at a physical store, the business operator needs to separately issue a stamp card printed on a predetermined medium and add the stamp, which is convenient for the business operator as well. Not necessarily.

The present application has been made in view of the above, and aims to provide a provision device, a provision method, and a provision program that improve convenience for users and businesses.

The provision device according to the present application provides information about stamps to be attached to electronic stamp cards linked to stores where users make payments, and provides conditions for providing users with predetermined benefits related to the stores. and a calculation unit for calculating a charge for the store when the stamp given to the stamp card satisfies the condition.

According to one aspect of the embodiment, it is possible to improve convenience for users and business operators.

FIG. 1 is a diagram illustrating an example of provision processing according to the embodiment. FIG. 2 is a diagram illustrating an example of a screen of a user terminal 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 stamp card information database according to the embodiment. FIG. 6 is a diagram illustrating an example of a user information database according to the embodiment; FIG. 7 is a diagram illustrating an example of a business operator information database according to the embodiment; FIG. 8 is a diagram illustrating an example of a billing information database according to the embodiment; FIG. 9 is a diagram illustrating an example of screens of a provider terminal and a user terminal according to the embodiment; FIG. 10 is a flowchart illustrating an example of the procedure of provision processing according to the embodiment. FIG. 11 is a hardware configuration diagram showing an example of a computer that implements the functions of the settlement server.

Embodiments for implementing the provision device, the provision method, and the provision program (hereinafter referred to as "embodiments") according to the present application will be described in detail below with reference to the drawings. Note that the provision device, the provision method, and the provision program according to the present application are not limited by this embodiment. Also, in each of the following embodiments, the same parts are denoted by the same reference numerals, and overlapping descriptions are omitted.

[1. embodiment]
The providing process realized by the providing apparatus and the like of this embodiment will be described with reference to FIG. FIG. 1 is a diagram illustrating an example of provision processing according to the embodiment. Note that in FIG. 1, the provision processing and the like according to the embodiment are realized by the settlement server 10, which is an example of the provision device according to the present embodiment.

As shown in FIG. 1, the provision processing system 1 according to the embodiment includes a payment server 10, a user terminal 100, and a business operator terminal 200. The payment server 10, the user terminal 100, and the business terminal 200 are connected to communicate with each other by wire or wirelessly via a network N (see FIG. 3, for example). The network N is, for example, a WAN (Wide Area Network) such as the Internet. The provision processing system 1 shown in FIG. 1 may include a plurality of payment servers 10, a plurality of user terminals 100, and a plurality of business operator terminals 200. FIG.

A settlement server 10 shown in FIG. 1 is an information processing device that executes provision processing 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 user terminal 100 . For example, the settlement server 10 manages the account of the provider (operator) of the transaction object and the account of the user to whom the transaction object is provided, and transfers electronic money between accounts according to the payment request from the user. By doing so, various settlements are realized. In addition, electronic money may be, for example, points or currency used independently by various companies, or may be electronically tradable currency provided by the state such as Japanese yen and dollars. good.

A user terminal 100 shown in FIG. 1 is an information processing device used by a user. The user terminal 100 is realized by, for example, a smart phone, a tablet terminal, a notebook PC (Personal Computer), a desktop PC, a mobile phone, a PDA (Personal Digital Assistant), or the like. In addition, the user terminal 100 displays information distributed by the settlement server 10 using a web browser or application. Note that the example shown in FIG. 1 shows a case where the user terminal 100 is a smart phone.

A business operator terminal 200 shown in FIG. 1 is an information processing device used by a business operator who provides a transaction target to a user. The business terminal 200 is realized by, for example, a smart phone, a tablet terminal, a notebook PC, a desktop PC, a mobile phone, a PDA, or the like. In addition, the operator terminal 200 displays information delivered by the settlement server 10 using a web browser or an application. Note that the example shown in FIG. 1 shows a case where the business terminal 200 is a smart phone.

When the user terminal 100 and the business operator terminal 200 receive control information for realizing predetermined information processing from the settlement server 10, the user terminal 100 and the business terminal 200 implement the information processing according to the control information. Here, the control information includes, 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 markup language such as HTML (HyperText Markup Language). It is written in up language or the like. Note that the predetermined application itself distributed from the settlement server 10 may be regarded as the control information.

[1-1. Payment using the user terminal 100]
Here, an example of payment (electronic payment) using the user terminal 100 will be described prior to the providing process executed by the payment server 10. FIG. In the following description, the user U1 uses a two-dimensional code (QR code (registered trademark)) placed at the store A and indicating the store identification information C1 for identifying the store A. An example of settlement using the user terminal 100 will be described, but the embodiment is not limited to this. An example of settlement described below is also applicable when any user uses any user terminal 100 to make a payment at any store. Moreover, the store identification information C1 may be not only a QR code, but also a bar code, a predetermined mark, a number, or the like.

For example, when user U1 makes a payment for using or purchasing a payment target (transaction target) such as various products and services at store A, user U1 installs a payment application in advance on user terminal 100. to start. Then, the user U1 photographs the store identification information C1 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 payment amount from the user U1 or the store A clerk. Then, the user terminal 100 stores user identification information that identifies the user U1, and store identification information C1 (or information indicated by the store identification information C1, that is, information indicating the store A (for example, store ID)). , and the settlement amount are sent to the settlement server 10 .

In such a case, the settlement server 10 transfers the amount of electronic money indicated by the settlement 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 C1. Then, the settlement server 10 transmits a notification that the settlement has been completed to the user terminal 100 . In such a case, the user terminal 100 notifies that the payment has been made with electronic money by outputting a screen indicating that the payment has been completed or a predetermined voice.

Note that the settlement using the user terminal 100 is not limited to the processing described above. For example, the payment using the user terminal 100 may be made using a store terminal installed in the store A. For example, the user terminal 100 displays user identification information for identifying user U1 on the screen. In such a case, the store terminal installed in the store A reads the user identification information displayed on the user terminal 100, and reads the user identification information (or information indicated by the user identification information, that is, the user U1). (for example, a user ID)), the amount of payment, and information identifying the store A are transmitted to the payment server 10 . In such a case, the settlement server 10 transfers the amount of electronic money indicated by the settlement amount from the account of the user U1 indicated by the user identification information to the account of the store A, and transfers it to the store terminal of the store A or the user. The terminal 100 may be notified that the payment has been made by outputting a screen or a predetermined voice indicating that the payment has been completed.

In addition, settlement using the user terminal 100 is not only a process of transferring electronic money from an account charged with electronic money in advance by the user U1 to an account of the store A, but also a credit card pre-registered by the user U1. Payment may be made using a card. In such a case, for example, the user terminal 100 may transfer electronic money for the settlement amount to the account of the store A, and may request the settlement amount from the credit card operating company of the user U1. .

[1-2. Overview of Embodiment]
Here, conventionally, as a technology for providing services aimed at inducing users to visit stores, there has been proposed a technology for providing users with services related to computerized stamps in shopping services. However, in such a technique, since the stamp is only added according to the user's electronic commerce order to the store, the stamp cannot be added when the user conducts the commercial transaction at the physical store. It is not always convenient for users. In addition, if the user conducts a commercial transaction at a physical store, the business operator needs to separately issue a stamp card printed on a predetermined medium and add the stamp, which is convenient for the business operator as well. Not necessarily.

Therefore, the settlement server 10 executes provision processing according to the embodiment. The provision processing executed by the settlement server 10 will be described below with reference to FIG. Note that the following description shows an example in which the user terminal 100 is used by the user U1. Also, in the following description, the user terminal 100 may be identified with the user U1. That is, the user U1 can be read as the user terminal 100 below.

Also, in the following description, an example in which the operator terminal 200 is used by the operator M1 will be shown. Also, in the following description, the operator terminal 200 may be identified with the operator M1. That is, the operator M1 can be read as the operator terminal 200 below.

Further, in the following description, the payment server 10 is an electronic stamp card that is linked to a shop where electronic payment is available, and stores information on the stamp card owned by each user in its own device. shall be managed by the department. For example, the settlement server 10 manages information indicating shops linked to stamp cards (in other words, shops where stamp cards can be used) and information indicating the number of stamps given to the stamp cards.

First, the business operator terminal 200 accepts from the business operator M1 settings related to the computerized stamp card provided by the store A to the user (step S1). For example, the operator terminal 200 displays a screen for starting a payment application (e.g., a payment application for the operator) in response to an operation from the operator M1 and inputting settings related to the stamp card. Accept input information. To give a specific example, the operator terminal 200 sets conditions for applying a stamp to a stamp card (for example, one stamp is given when the payment provision, etc.), provision conditions for providing benefits (for example, benefits are provided when many stamps are given), details of benefits (for example, predetermined goods provided by store A, cashback for electronic money, etc.) ) and other information.

Subsequently, the settlement server 10 receives information regarding stamp card settings from the operator terminal 200 (step S2). For example, the payment server 10 receives the information input in step S1, associates it with identification information (store ID) that identifies the store A, and stores the information in the storage unit of its own device.

Subsequently, the user U1 who visits the store A and receives a transaction object from the store A uses the user terminal 100 to read the store identification information C1 installed at the store A (step S3). For example, the user U1 activates a payment application pre-installed in the user terminal 100, and photographs the shop identification information C1 installed in the shop A via the payment application.

Subsequently, the user terminal 100 receives input of payment information from the user U1 (step S4). For example, the user terminal 100 displays a screen for inputting the price of the transaction object to be settled, and accepts the input of the payment amount from the user U1.

Subsequently, the payment server 10 receives payment information from the user terminal 100 (step S5). For example, the payment server 10 receives payment information including the shop ID of the shop A indicated by the shop identification information C1, the payment amount entered by the user U1, and the user ID of the user U1.

Subsequently, the payment server 10 executes payment processing based on the payment information, and adds a stamp to the stamp card of the store A owned by the user U1 based on the payment information (step S6). For example, the settlement server 10 transfers the electronic money equivalent to the settlement amount entered by the user U1 from the account of the user U1 to the account of the store A. Then, the settlement server 10 assigns the stamp set by the operator M1 to the stamp card linked to the store A (the stamp card based on the setting accepted in step S2) among the stamp cards owned by the user U1. A stamp is given based on the giving condition and the settlement amount. That is, the payment server 10 automatically adds a stamp to the stamp card linked to the store where the payment was made, triggered by the payment using the QR code.

If the user U1 does not own a stamp card linked to the store A, the settlement server 10 acquires the stamp card issued by the operator M1 and adds a stamp to the acquired stamp card. . If the user U1 does not own a stamp card linked to the store A, the settlement server 10 issues a new stamp card to the user U1 and adds a stamp to the issued stamp card. may be given. That is, even if the user U1 does not have a stamp card for the first transaction, the settlement server 10 can automatically acquire or issue a stamp card at the time of settlement and add a stamp to the stamp card. .

Specifically, first, the payment server 10 determines whether or not there is a stamp card of the store A that is the object of payment among the stamp cards owned by the user U1. Next, if there is no stamp card for store A, the settlement server 10 refers to the database to determine whether or not store A, which is the object of settlement, provides a stamp card. That is, the settlement server 10 accepts not only stamp cards owned by the user U1, but also stamp cards provided by the store A that are not owned by the user U1. It is possible to specify and select the stamp card of the store A that has become the store A. Then, the payment server 10 provides the specified or selected stamp card with a number of stamps corresponding to the content of the payment, and provides the stamp card to the user. In this way, the payment server 10 identifies and selects the stamp card of the store A, which is the object of payment, from a plurality of stamp cards provided by various stores, and adds a stamp to the stamp card. and may be provided to the user U1.

Subsequently, the settlement server 10 causes the user terminal 100 to display information corresponding to the given stamp (step S7). For example, if the stamp given in step S6 does not satisfy the condition for providing the benefit, the payment server 10 collects information about the stamp given to the stamp card linked to the store A (for example, the stamp given to the stamp display the screen SC1 showing the number of stamps completed).

On the other hand, if the stamp provided in step S6 satisfies the provision condition, the settlement server 10 provides the privilege set by the store A to the user U1, and displays a screen SC2 to the user terminal 100 indicating that the privilege has been provided. display. To give a specific example, the payment server 10 provides benefits (for example, a predetermined amount of discount, a predetermined amount of cash back, etc.) that are applied when the above electronic payment is made to the store A.

Subsequently, the settlement server 10 notifies information about the stamp given to the stamp card owned by the user U1 (step S8). For example, if the user U1 owns a stamp card whose number of stamps required to meet the privilege provision condition is equal to or less than a predetermined threshold value, the payment server 10 notifies that the provision condition is about to be met ( Push notification, etc.) is displayed on the user terminal 100 .

Subsequently, the settlement server 10 distributes content indicating the stamp card owned by the user U1 (step S9). For example, the settlement server 10 distributes to the user terminal 100 content indicating the number of stamps given to each stamp card owned by the user U1, the details of the benefits provided, and the like.

Note that the settlement server 10 may notify the information in step S8 at any timing. Also, the settlement server 10 may distribute the content in step S9 at any timing.

On the other hand, if the stamp given in step S6 satisfies the condition for providing the privilege, the settlement server 10 calculates the fee charged for the stamp card to the operator M1 (step S10). For example, the settlement server 10 calculates an amount corresponding to the amount of the privilege provided by the store A as the billing amount. That is, the settlement server 10 calculates the cost of the privilege provided by the store A and the amount of the privilege provided to the user (prize amount) as the billing amount. Moreover, the settlement server 10 may calculate a predetermined percentage of the premium amount as the billing amount.

In addition, the settlement server 10 accumulates the settlement amounts for which stamps are applied to the stamp cards that satisfy the conditions for providing the privilege of the store A among the stamp cards owned by the user U1, and adds up the cumulative settlement amount to a predetermined can also be calculated as the billing amount.

Subsequently, the settlement server 10 transmits billing information including the calculated billing amount to the operator terminal 200 (step S11). For example, the payment server 10 transmits the billing information including the billing amount, the total billing amount, the card ID of the stamp card, the shop ID, the user ID, the number of stamps, the content of the benefits, etc. to the operator terminal. 200.

Here, an example of information notified from the payment server 10 and content distributed from the payment server 10 will be described with reference to FIG. 2 . FIG. 2 is a diagram illustrating an example of a screen of a user terminal according to the embodiment;

As shown in FIG. 2, the user terminal 100 displays a screen SC11 showing information about stamps given to the stamp card owned by the user U1. For example, the user terminal 100 stores content indicating a stamp card whose number of stamps required to satisfy the condition for providing a privilege is equal to or less than a predetermined threshold value, the details of the privilege, and information indicating the store associated with the stamp card. It is displayed on the screen SC11.

Further, the user terminal 100 displays a screen SC12 including content indicating stamp cards owned by the user U1. For example, the user terminal 100 displays advertising information regarding stamp cards in the area AR11. In addition, the user terminal 100 displays, in the area AR12, content indicating the number of stamps given to the stamp card owned by the user U1, information indicating shops linked to the stamp card, details of benefits, and the like. .

As described above, the settlement server 10 according to the embodiment issues an electronic stamp card to a user, gives a stamp to the user, and provides benefits when conditions are met. As a result, the payment server 10 according to the embodiment can automatically add a stamp according to the electronic payment without the user having to carry around a stamp card printed on a predetermined medium. That is, the settlement server 10 according to the embodiment can improve user convenience.

In addition, the settlement server 10 according to the embodiment issues an electronic stamp card to the user, gives the stamp, and if the conditions for providing the privilege are satisfied, the amount corresponding to the cost of the privilege is paid to the business operator. Calculated as a commission. As a result, the payment server 10 according to the embodiment can automatically add a stamp according to the electronic payment without issuing a stamp card printed on a predetermined medium by the business operator. It is possible to calculate the stamp card fee as consideration for acquiring "fan users" who love the transaction target, and charge the business operator at the timing of acquiring fan users (timing of winning prizes). That is, the settlement server 10 according to the embodiment can improve convenience for businesses.

[2. Configuration of payment server]
Next, the configuration of the settlement server 10 will be described using FIG. FIG. 3 is a diagram showing a configuration example of a payment server according to the embodiment. As shown in FIG. 3, the settlement server 10 has a communication unit 20, a storage unit 30, and a control unit 40.

(Regarding communication unit 20)
The communication unit 20 is realized by, for example, a NIC (Network Interface Card) or the like. The communication unit 20 is connected to the network N by wire or wirelessly, and transmits and receives information to and from the user terminal 100, the operator terminal 200, and the like.

(Regarding storage unit 30)
The storage unit 30 is implemented by, for example, a semiconductor memory device such as a RAM (Random Access Memory) or a flash memory, or a storage device such as a hard disk or an optical disk. As shown in FIG. 3, the storage unit 30 has an account database 31, a stamp card information database 32, a user information database 33, a business operator information database 34, and a billing information database 35.

(Regarding account database 31)
The account database 31 stores various information related to accounts owned by users, stores (businesses), etc. in the electronic payment service. An example of information stored in the account database 31 will now 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".

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

That is, FIG. 4 shows an example in which the information of the holder of the account identified by the account ID "AID#1" is "user #1" and the account balance is "7,800 yen".

(Regarding the stamp card information database 32)
The stamp card information database 32 stores various information related to stamp cards set by the business (store). An example of information stored in the stamp card information database 32 will now be described with reference to FIG. FIG. 5 is a diagram showing an example of a stamp card information database according to the embodiment. In the example of FIG. 5, the stamp card information database 32 has items such as "enterprise ID" and "card information".

"Business ID" indicates identification information for identifying the business that set the stamp card (in other words, the business linked to the stamp card). "Card information" indicates information about a stamp card that the operator wants to set, and has items such as "card ID", "grant conditions", "provision conditions", and "privilege details". "Card ID" indicates identification information for identifying a stamp card. "Giving condition" indicates a condition for giving a stamp to the stamp card (for example, one stamp is given when the payment amount is more than a certain amount of yen, one stamp is given for each yen of the payment amount, etc.). "Provision condition" indicates a condition for providing a privilege (for example, a privilege is provided when how many stamps are provided). The "privilege content" indicates the details of the privilege provided to the user who satisfies the provision condition (for example, privilege name, privilege type, privilege offer price, privilege cost, privilege cost rate).

That is, in FIG. 5, the stamp card set by the operator identified by the operator ID "MID#1" is identified by the card ID "CID#1", and the condition for applying the stamp is "condition #1". An example in which the provision condition of the privilege is "providing condition #1" and the content of the privilege is "privilege content #1" is shown.

(Regarding the user information database 33)
The user information database 33 stores various information about users of electronic payment services provided by the payment server 10 . An example of information stored in the user information database 33 will now be described with reference to FIG. FIG. 6 is a diagram illustrating 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", "usage history", and "stamp status".

"User ID" indicates identification information for identifying a user. "Payment history" indicates the history of payments made using the electronic payment service, and stores information such as payment recipients and payment amounts, for example. "Usage history" indicates the usage history of the electronic payment service and other various services. "Stamp application status" indicates information about stamps applied to the stamp card owned by the user, and has items such as "card ID" and "number of stamps", for example. "Card ID" indicates identification information for identifying the stamp card owned by the user. "Number of stamps" indicates the number of stamps given to the stamp card.

That is, in FIG. 6, the payment history of the user identified by the user ID "UID #1" is identified by "payment history #1", and the usage history is identified by "usage history #1" and "CID #1". An example is shown in which a stamp card is owned and the number of stamps given to the stamp card is "4".

(Regarding the business operator information database 34)
The business operator information database 34 stores various types of information on the business operators of electronic payment services provided by the payment server 10 . Here, an example of information stored in the business operator information database 34 will be described with reference to FIG. FIG. 7 is a diagram illustrating an example of a business operator information database according to the embodiment; In the example of FIG. 7, the company information database 34 has items such as "company ID", "store information", and "store evaluation".

"Business ID" indicates identification information for identifying the business that has set the stamp card. "Store information" indicates information about the business operator (store) in general, and stores, for example, information such as the store address, presence/absence of affiliated stores, type of merchandise, size of store, average sales, and the like. "Store evaluation" indicates the user's evaluation of the store, for example, the user's post on the website, Stores the evaluation value.

That is, in FIG. 7, the shop information of the business operator identified by the business operator ID "MID#1" is "shop information #1", the shop evaluation is "shop evaluation #1", and the business operator ID "MID#2" is shown. , the store information of the business operator identified by " is "store information #2", and the store evaluation is "store evaluation #2".

(Regarding the billing information database 35)
The billing information database 35 stores information about billing to the electronic payment service providers provided by the payment server 10 . An example of information stored in the billing information database 35 will now be described with reference to FIG. FIG. 8 is a diagram illustrating an example of a billing information database according to the embodiment; In the example of FIG. 8, the billing information database 35 has items such as "enterprise ID", "user ID", "accumulated settlement amount", and "charging amount".

"Business ID" indicates identification information for identifying the business of the settlement service to be charged. "User ID" indicates identification information for identifying the user of the payment service to be charged. The "accumulated payment amount" stores the cumulative value of the payment amount for the payment service calculated for each user. The "charging amount" stores the charging amount for the business operator calculated for each user or stamp card.

That is, in FIG. 8, as billing information for the operator identified by the operator ID "MID#1", the cumulative settlement amount identified by the user ID "UID#1" is "accumulated settlement amount #1", An example is shown in which the amount is "charging amount #1", the cumulative settlement amount identified by the user ID "UID #2" is "cumulative settlement amount #2", and the charging amount is "charging amount #2".

(Regarding the control unit 40)
The control unit 40 is a controller, for example, a CPU (Central Processing Unit), MPU (Micro Processing Unit) or the like executes various programs stored in a storage device inside the payment server 10 using the RAM as a work area. It is realized by being executed. Also, the control unit 40 is a controller, and is implemented by an integrated circuit such as an ASIC (Application Specific Integrated Circuit) or an FPGA (Field Programmable Gate Array). The control unit 40 according to the embodiment includes, as shown in FIG. and implements or executes the information processing functions and actions described below.

(Regarding the reception unit 41)
The accepting unit 41 accepts information about a stamp given to an electronic stamp card linked to a store where a user makes a payment. For example, the reception unit 41 receives a condition for providing the user U1 with a predetermined benefit related to the store A. In addition, the reception unit 41 receives payment information regarding payment for the store. For example, the reception unit 41 receives the payment amount indicated by the payment information. In addition, the reception unit 41 receives payment information regarding payment for a store, which is payment using a user terminal used by a user. At this time, the accepting unit 41 may accept payment information relating to payment using cash or payment information relating to payment by internet shopping, in addition to payment information relating to payment using the user terminal. Further, the reception unit 41 receives payment information including store identification information for identifying a store. For example, in the example of FIG. 1, the reception unit 41 uses payment information including the shop ID of the shop A indicated by the shop identification information C1, the payment amount entered by the user U1, and the user ID of the user U1. received from the user terminal 100.

Note that the reception unit 41 may receive payment information from the business operator terminal 200 . For example, when the user identification information for identifying the user displayed on the user terminal 100 is read by the operator terminal 200 (store terminal) and the payment is made, the reception unit 41 is received from the operator terminal 200.

In addition, the reception unit 41 is a request for provision of a transaction object to be provided at a predetermined store, and the payment for the provision request is made by the user via a predetermined platform that provides a predetermined payment means using a user terminal. Information may be accepted. For example, the reception unit 41 receives payment information regarding a request for providing products provided at a store via a pre-order service within a payment application installed on the user terminal 100 .

In addition, the receiving unit 41 may receive settings related to an electronic stamp card from a provider (enterprise) who provides a transaction target to the user. For example, in the example of FIG. 1, the reception unit 41 causes the operator terminal 200 to display a screen (contents) for inputting settings related to the stamp card, receives the information input on the screen, and stores the information in the stamp card information database 32. store in At this time, the reception unit 41 receives, as stamp card information, information about the price of the privilege indicated by the content of the privilege. Here, the information about the price of the privilege is, for example, the cost of the privilege, the cost rate, the amount of money provided, etc., but is not particularly limited.

Here, using FIG. 9, an example of a setting screen for inputting settings related to a stamp card is displayed on the operator terminal 200, and a stamp card based on the settings input on the screen is displayed on the user terminal 100. A displayed example is explained. FIG. 9 is a diagram illustrating an example of screens of a provider terminal and a user terminal according to the embodiment; In FIG. 9, it is assumed that the operator of store D inputs information on the setting screen.

First, a setting screen for inputting settings related to the stamp card will be described. As shown in FIG. 9, the operator terminal 200 displays a screen SC21 as a setting screen. For example, the operator terminal 200 includes areas AR21 to AR23 for inputting conditions for applying stamps to stamp cards, an area AR24 for inputting conditions for providing benefits and details of the benefits, and a new provision area. A screen SC21 is displayed that includes an area AR25 for instructing the input of the contents of conditions and benefits, and an area AR26 that is displayed according to the selection of the area AR25.

To give a specific example, the operator terminal 200 selects, as the granting condition, one of granting one stamp for every yen or more of the settlement amount, or granting one stamp for every yen of the settlement amount. Then, an area AR21 for inputting a standard amount of money for giving a stamp is displayed.

In addition, the operator terminal 200 is a service provided by an application activated within a payment application, and is a service related to information distribution of the store D. Does the business terminal 200 give stamps only to users (followers) who follow the store D? An area AR22 for designating whether or not is displayed. Note that the business terminal 200 may accept settings such that more stamps are given only to followers.

The operator terminal 200 also displays an area AR23 for inputting the conditions of the user to be stamped (the user's rank in the electronic payment service). For example, the business operator terminal 200 receives information such as the total amount of electronic payments made to store D, the number of electronic payments made to store D, the number of stamps attached to the stamp card linked to store D, and so on. Accepts input of user rank determined based on (for example, heavy users whose number of stamps given is greater than or equal to a predetermined threshold, or light users whose number of given stamps is less than a predetermined threshold) . The operator terminal 200 may be configured such that more stamps are given only to users whose rank is a heavy user, or more stamps are given only to users whose rank is a light user. It is also acceptable to accept settings such as

In addition, the operator terminal 200 inputs the number of stamps (the number of achievements), the type of privilege (for example, goods provided at the store D, cashback of a predetermined amount), and the name of the privilege, which are the conditions for providing the privilege. Display the area AR24 for Further, the business terminal 200 accepts the input of the selling price conversion amount of the goods when the item is designated as the privilege type, and the cashback for the settlement amount to the store D when the cashback is designated as the privilege type. Accepts the input of the rate of back or the amount of cash back (fixed amount). Further, when an item is specified as the type of privilege, the business terminal 200 may accept input of the cost, cost rate, and amount of money for the item.

In addition, when the area AR25 is selected, the business terminal 200 further displays an area AR26 for inputting new provision conditions and contents of benefits, and accepts input of information. In other words, the business terminal 200 can accept settings for a plurality of privileges for one stamp card. Hereinafter, the benefit based on the information input to the area AR24 may be referred to as "first benefit", and the benefit based on the information input to the area AR26 may be referred to as "second benefit".

Note that the settings related to the stamp card accepted by the accepting unit 41 are not limited to those shown on the screen SC21, and any settings may be accepted. For example, the receiving unit 41 may receive a setting that gives more rewards depending on the date and time when electronic payment is made. Further, the accepting unit 41 may accept the validity period of the stamp.

Further, the accepting unit 41 may accept the purchase of a predetermined transaction object provided at a store as a stamp granting condition. In such a case, the reception unit 41 first receives information indicating a transaction target to be stamped (for example, transaction target identification information indicated by a barcode attached to the transaction target) as a condition for stamping, Store in the stamp card information database 32 . Then, the accepting unit 41 accepts payment information including transaction object identification information for identifying a transaction object to be settled. As a specific example, the reception unit 41 receives a product ID indicated by a barcode attached to the product. Then, the granting unit 43, which will be described later, grants a stamp when the product indicated by the product ID is the product set as the stamp granting condition.

Note that the reception unit 41 may receive payment information including transaction object identification information read by a store terminal used by the store. For example, when a payment is made by a store terminal (such as a POS terminal) reading the user identification information displayed on the user terminal 100, the reception unit 41 reads Payment information including user identification information and product ID indicated by the barcode of the product is accepted.

Next, an example in which information about the stamp card based on the information input on the screen SC21 is displayed on the user terminal 100 will be described. As shown in FIG. 9, the user terminal 100 is associated with a stamp card linked to the store D in response to a predetermined operation from the user (for example, a selection operation for content displayed on the AR 12 shown in FIG. 2). A screen SC22 showing information is displayed. For example, the user terminal 100 has an area AR27 for displaying an electronic stamp card, an area AR28 for displaying the conditions for providing the first privilege and the content of the first privilege, the conditions for providing the second privilege and A screen SC22 including an area AR29 for displaying the details of the second privilege and an area AR30 for displaying conditions for applying a stamp is displayed.

To give a specific example, the user terminal 100 displays, in the area AR27, an icon IC21 for visualizing the provision condition of the first privilege (three stamps) and the provision condition of the second privilege (eight stamps). The stamp card is displayed with an icon IC22 for visualizing the individual.

Also, the user terminal 100 displays information in the area AR28 based on the information input in the area AR24 of the screen SC21. Also, the user terminal 100 displays information in the area AR29 based on the information input in the area AR26 of the screen SC21. Also, the user terminal 100 displays information in the area AR30 based on the information input in the areas AR21 to AR23 of the screen SC21.

Note that when eight stamps are added to the stamp card shown in the area AR27 (hereinafter sometimes referred to as "first stamp card") (that is, when all the stamp fields of the stamp card are filled), The reception unit 41 may issue a new stamp card (hereinafter sometimes referred to as a “second stamp card”) linked to the store D to the user. Here, the content of the privilege provided by the second stamp card and the conditions for providing the privilege may be the same as or different from those of the first stamp card (for example, an item with a higher price than the privilege provided by the first stamp card). or a privilege with a higher cashback). In other words, the reception unit 41 receives from the business operator information regarding the setting of the second stamp card separately from the information regarding the setting of the first stamp card, and issues the second stamp card based on the received information. may The same applies to stamp cards issued after the second stamp card.

Further, the granting unit 43, which will be described later, may grant a stamp according to the rank of the user determined based on the number of times the stamp card associated with the store D is newly issued. To give a specific example, the granting unit 43 sets the number of stamps to be larger in the case of granting stamps to the second stamp card than in the case of granting stamps to the first stamp card. good too.

On the other hand, the reception unit 41 receives user information about the user who makes the payment. For example, the accepting unit 41 accepts a payment amount indicated by the payment history included in the user information. Note that the reception unit 41 stores the received user information in the user information database 33 .

In addition, the receiving unit 41 may receive business information from the business terminal 200 . For example, the reception unit 41 receives business information including store information and store evaluation of the store A of the business M1. The reception unit 41 stores the received business information in the business information database 34 .

(Regarding the payment processing unit 42)
The payment processing unit 42 executes payment processing according to the payment information received by the reception unit 41 . For example, in the example of FIG. 1, the payment processing unit 42 transfers the amount of electronic money indicated by the payment amount from the account of user U1 indicated by the user ID to the account of store A indicated by the store ID.

(Regarding the granting unit 43)
The granting unit 43 grants a stamp based on the payment information received by the receiving unit 41 to the electronic stamp card linked to the store. For example, in the example of FIG. 1, the granting unit 43 refers to the stamp card information database 32 and the user information database 33, and among the stamp cards owned by the user U1, the stamp card linked to the store A , stamps are given based on the conditions for giving stamps set by the operator M1 and the settlement amount.

Here, the stamp card to which the stamp is given by the giving unit 43 includes a stamp card which is automatically issued or automatically obtained and given a stamp even if the user does not own it when the user visits the store A for the first time. In addition, the above stamp cards are not only stamp cards that users have already acquired, but also stamp cards that can be provided to users (that is, stamp cards that users can obtain in the future) that can be used for payment. Also includes stamp cards that have been identified as stamp cards that have been stamped.

That is, if the user does not own a stamp card, the granting unit 43 may issue a stamp card and grant a stamp to the user. For example, in the example of FIG. 1, if the user U1 does not own a stamp card linked to the store A, the granting unit 43 newly issues a stamp card to the user U1, and Add a stamp to the card. Further, if the user does not own a stamp card, the granting unit 43 can acquire a stamp card created by the business operator M1 and grant a stamp to the user.

Further, the granting unit 43 may grant a stamp to a stamp card associated with the store identification information among the stamp cards owned by the user. For example, in the example of FIG. 1, the granting unit 43 grants a stamp to the stamp card linked to the store A indicated by the store identification information C1.

Further, the granting unit 43 may grant a stamp to a stamp card associated with a predetermined store group including a store among the stamp cards owned by the user. For example, when the user makes a payment at one of a plurality of stores having a predetermined relationship (for example, an affiliated store, a chain store, a franchise store, etc.), the providing unit 43 A stamp is given to one stamp card linked to.

Further, the granting unit 43 may grant a stamp according to the payment amount indicated by the payment information. For example, in the example of FIG. 1, the granting unit 43 grants a stamp based on the stamp granting conditions set by the business operator M1 and the payment amount.

Further, the granting unit 43 may grant a stamp according to the total sum of the settlement amount indicated by the history of settlement using the user terminal for the store and the settlement amount indicated by the settlement information. For example, the giving unit 43 gives a stamp according to the payment amount indicated by the payment information received by the reception unit 41 and the payment amount indicated by the user's payment history for the payment destination store indicated by the payment information. To give a specific example, the conditions for giving a stamp at a store are set to "1 stamp is given for every 1000 yen settlement amount", the user's previous payment amount for the store was 800 yen, and the use When the payment amount for the store newly received by the reception unit 41 from the person is 1200 yen, the granting unit 43 calculates the total amount of 2000 yen, which is the previous payment amount of 800 yen and the current payment amount of 1200 yen, based on the total amount of 2000 yen. Give the user two stamps.

Further, when the transaction object identification information indicates a predetermined transaction object, the granting unit 43 may impart a stamp to the stamp card. For example, when purchase of a predetermined product is set as a condition for giving a stamp, the applying unit 43 gives a stamp when the product ID indicated by the payment information received by the receiving unit 41 corresponds to the predetermined product. .

Further, the granting unit 43 may grant a stamp according to the date and time when payment is made. For example, when payment is made on a predetermined date and time set by the business, the granting unit 43 grants more stamps than when payment is made on another date and time.

Further, the granting unit 43 may grant a stamp based on payment information and user information about the user. For example, the granting unit 43 determines the user's rank determined based on the user's settlement history with respect to the store of the settlement destination (for example, the total amount of settlement amount with respect to the store and the number of electronic settlements made with the store). Give a stamp accordingly.

In addition, the provision unit 43 is a predetermined platform that provides a predetermined payment method using a user terminal, and is a predetermined platform that distributes information about stores where the predetermined payment method can be used. A stamp may be given depending on whether or not there is. For example, the granting unit 43 grants a stamp according to whether or not the user is following the store to which the payment is made in a service provided by an application activated within the payment application, which relates to information distribution of the store. .

Further, the granting unit 43 may grant stamps according to the number of stamps that have been granted to the stamp card. For example, the granting unit 43 grants a stamp according to the rank of the user determined based on the number of stamps granted to the stamp card associated with the store.

Moreover, the provision part 43 may provide a stamp according to the conditions set by the store. For example, the granting unit 43 grants a stamp according to the setting regarding the stamp card received by the reception unit 41 from the store.

(About the providing unit 44)
The providing unit 44 provides the user with information indicating the stamp given by the applying unit 43 . For example, in the example of FIG. 1, the providing unit 44 provides the user terminal 100 with information about the stamp given to the stamp card linked to the store A, and displays it on the screen.

In addition, the provision unit 44 may provide the user with a predetermined privilege related to the store when the number of stamps provided by the provision unit 43 satisfies a predetermined condition. For example, in the example of FIG. 1, the providing unit 44 refers to the stamp card information database 32 and the user information database 33, and if the stamp given to the user U1 satisfies the provision condition, the providing unit 44 directs the user U1 to the store A. provides the set privilege, and causes the user terminal 100 to display a screen SC2 indicating that the privilege has been provided. On the other hand, if the provision conditions for providing benefits are not satisfied, the payment server 10 indicates information about stamps given to the stamp card linked to store A (for example, the number of stamps given to the stamp). Display the screen SC1.

Further, the providing unit 44 may provide a privilege corresponding to the number of stamps given to the stamp card. For example, as shown in FIG. 9, when a plurality of benefits are set for one stamp card, the provision unit 44 determines that the number of stamps already given to the stamp card satisfies the provision conditions for any of the benefits. Offer relevant perks.

Further, the providing unit 44 may provide the user with a predetermined privilege when the number of stamps given to the stamp card satisfies the conditions set by the store. For example, in the example of FIG. 1, the provision unit 44 provides the provision unit 44 when the number of stamps given to the stamp card linked to the store A satisfies the provision conditions set by the business operator M1 of the store A. provides benefits to user U1.

Further, the providing unit 44 may provide the user with a privilege set by the store when the number of stamps given to the stamp card satisfies a predetermined condition. For example, in the example of FIG. 1, if the number of stamps given to the stamp card linked to the store A satisfies the privilege provision conditions, the providing unit 44 provides the privilege set by the business operator M1 of the store A. Provided to user U1.

(Regarding the notification unit 45)
The notification unit 45 notifies the user of information indicating that the predetermined condition is about to be achieved when the number of stamps required to satisfy the predetermined condition is equal to or less than a predetermined threshold. For example, in the example of FIG. 1, the providing unit 44 refers to the stamp card information database 32 and the user information database 33, and selects a stamp card whose number of stamps required to satisfy the privilege providing condition is equal to or less than a predetermined threshold value. If the user U1 owns it, the provision unit 44 causes the user terminal 100 to display a notification that the provision condition is about to be fulfilled.

In addition, the notification unit 45 may notify the user of information corresponding to the expiration date set to the stamp already given to the stamp card. For example, the notification unit 45 notifies the user of information according to the period until the expiration date set in the stamp. As a specific example, if the user owns a stamp card whose period from the current time until the expiration date of the stamp is equal to or less than a predetermined threshold value, the providing unit 44 notifies information indicating the stamp card. .

Further, the notification unit 45 may notify the user of information indicating conditions for giving a stamp to the stamp card. For example, the notification unit 45 notifies information indicating the payment amount, the transaction object, and the like set as the conditions for applying the stamp.

Note that the notification unit 45 may notify the user of the information based on the priority of the information. For example, the notification unit 45 sets a higher priority for information related to a stamp card linked to a store located closer to the user's current location, and stores the store located farther from the user's current location. A lower priority is set for the information related to the stamp card linked to, and the information is notified. In addition, the notification unit 45 sets a higher priority to information related to a stamp card with a shorter period until the expiration date set in the stamp, and sets a higher priority to information related to a stamp card with a longer period until the expiration date set in the stamp. set to low and notify information.

(Regarding the distribution unit 46)
The distribution unit 46 distributes card information related to electronic stamp cards, which are stamp cards owned by users and which are linked to stores where predetermined payment methods using user terminals are available, to predetermined payment methods. Distribute to users via the provided platform. For example, in the example of FIG. 1, the distribution unit 46 distributes content indicating the number of stamps given to each stamp card owned by the user U1 and details of benefits to be provided to the user via the payment application. Distribute to terminal 100 .

In addition, the distribution unit 46 may distribute the card information based on the priority for distributing the card information, which is based on the number of stamps given to the stamp card owned by the user. For example, the distributing unit 46 sets a higher priority to a stamp card with a larger number of stamps added, and a lower priority to a stamp card with a smaller number of stamps attached, and distributes the card information. In addition, the distribution unit 46 sets a higher priority for a stamp card that requires a smaller number of stamps to meet the privilege providing condition, and a higher priority for a stamp card that requires a larger number of stamps to meet the privilege providing condition. set high to deliver card information.

Further, the distribution unit 46 may distribute the card information based on the priority for distributing the card information, which is based on the expiration date set to the stamp already attached to the stamp card owned by the user. good. For example, the distribution unit 46 sets a higher priority to a stamp card with an earlier stamp expiration date, and a lower priority to a stamp card with a later expiration date, and distributes the card information. Also, for example, the distribution unit 46 sets a higher priority to a stamp card with a shorter remaining period from the current time to the expiration date set for the stamp, and a lower priority to a stamp card with a longer remaining period, Distribute card information.

In addition, the distribution unit 46 is the priority for distributing card information, based on the positional relationship between the location of the store linked to the stamp card owned by the user and the location of the user. Card information may be distributed. For example, the distribution unit 46 sets a higher priority for a stamp card that is associated with a store located closer to the user's current location, and assigns a higher priority to a store that is located farther from the user's current location. A lower priority is set for the attached stamp card, and the card information is distributed. In addition, the distribution unit 46 sets a higher priority to a stamp card linked to a store located closer to the user's base (for example, home, place of work, or commuting destination). A lower priority is set for a stamp card linked to a store located farther from the location, and card information is distributed.

The priority with which the distribution unit 46 distributes the card information is not limited to the above example. For example, the distribution unit 46 may distribute card information with priority based on user's preference. To give a specific example, the distribution unit 46 sets a higher priority to a stamp card linked to a store corresponding to the user's attribute (demographic attribute, psychographic attribute). A lower priority is set for a stamp card linked to a store that does not support it, and card information is distributed.

(Regarding the calculator 47)
If the number of stamps given by the giving unit 43 satisfies a predetermined condition, the calculation unit 47 calculates the charge for the store based on the content of the privilege. For example, the calculation unit 47 calculates the billing amount based on information regarding the price of the privilege. As a specific example, the calculation unit 47 calculates the cost of the privilege as the billing amount. That is, for example, when the privilege is an item, the calculation unit 47 calculates an amount corresponding to the cost of the item as the charge amount (commission). In addition, the calculation unit 47 calculates the price of the privilege as the billing amount. That is, for example, when the privilege is cashback or a discount coupon, the calculator 47 calculates the price of the privilege to be provided as the charge amount. Further, the calculation unit 47 calculates an amount obtained by multiplying the offer price of the privilege by a predetermined ratio as the billing amount. That is, for example, when the privilege is an item and the cost is unknown, the calculation unit 47 calculates the charge amount (commission) by multiplying the offer price by the general cost rate of the item.

Further, the calculation unit 47 calculates the billing amount when the number of stamps provided by the provision unit 43 satisfies a predetermined condition and a predetermined privilege regarding the store is provided. That is, the calculation unit 47 calculates the charge amount corresponding to the commission at the timing when the user acquires the prize, and charges the store. Here, the timing of obtaining the prize may be the timing at which the user actually obtains the prize (for example, the timing at which the user receives the special croissant at the bakery shop), or the timing at which the user is granted the right to obtain the prize. The timing (eg, the timing of receiving a croissant exchange ticket as a bonus at a bakery shop) may also be used.

Further, if the number of stamps given by the giving unit 43 satisfies a predetermined condition and the user who has been provided with a predetermined privilege related to the store uses the privilege, the calculation unit 47 calculates the charge amount. good. That is, the calculation unit 47 calculates the , the billing amount can also be calculated.

The calculation unit 47 can also calculate the billing amount according to the user's settlement amount, as described below. That is, when the number of stamps given by the giving unit 43 satisfies a predetermined condition, the calculation unit 47 calculates the charge for the store based on the user's payment history included in the user information. For example, the calculation unit 47 accumulates, in a predetermined period, the payment amounts indicated by the payment history and the payment amounts for which the user's stamp is given to the store, and calculates a predetermined ratio of the accumulated payment amounts. The billing amount is calculated by multiplying. To give a specific example, the store's stamp granting condition is "1 stamp for every 1000 yen settlement amount", the privilege acquisition condition is "5 stamps", and the user's settlement amount is "1st time: 500 yen, 2nd time: 1000 yen, 3rd time: 1500 yen, 4th time: 1500 yen, 5th time: 1000 yen, 6th time: 1000 yen" %”, the calculation unit 47 calculates “6,000 yen” by accumulating settlement amounts of 1,000 yen or more that have been given until the award is obtained as the cumulative settlement amount, and adds 0.03 to the cumulative settlement amount of 6,000 yen. is multiplied to calculate "180 yen" as the billing amount.

Further, the calculation unit 47 calculates the charge amount each time the given stamp group (stamp group) satisfies the conditions set for each privilege provided to the user U1. For example, the calculation unit 47 accumulates the settlement amount corresponding to the stamp group for which a predetermined privilege regarding the store is provided, and calculates the billing amount each time the condition set for each privilege to be provided is satisfied. To give a specific example, in the example of the screen SC22 in FIG. 9, when the first privilege provision condition (three stamps) is satisfied, the calculation unit 47 accumulates the settlement amount corresponding to the three stamps, When the charge amount is calculated and the condition for providing the second privilege (eight stamps) is satisfied, the settlement amounts corresponding to the additional five stamps are totaled, and the charge amount is calculated each time.

Further, the calculation unit 47 determines a predetermined ratio for each predetermined period and calculates the billing amount. For example, in the example of the screen SC22 in FIG. 9, the calculation unit 47 multiplies the cumulative settlement amount corresponding to the provision condition (three stamps) of the first privilege by "3%" to calculate the billing amount. The total payment amount corresponding to the privilege provision condition (5 additional stamps) of 2 is multiplied by "2%" to calculate the billing amount. Furthermore, the calculation unit 47 can also determine a predetermined ratio for each campaign period, such as the stamp provision period and the stamp validity period, and calculate the billing amount.

Further, the calculation unit 47 determines a predetermined ratio based on the business operator information regarding the business operator that provides the transaction target to the user, and calculates the billing amount. For example, the calculation unit 47 refers to the business operator information database 34, "store information" (eg, store address, presence or absence of affiliated stores, product type, size of store, average sales), "store evaluation" ( For example, the evaluation value by the user on the website) determines a predetermined ratio to be multiplied by the cumulative settlement amount to calculate the billing amount. As a specific example, the calculation unit 47 can set a low ratio for calculating the billing amount for businesses with small stores or businesses with high evaluation values by users.

Further, the calculation unit 47 determines a predetermined ratio based on the user information and calculates the billing amount. For example, the calculation unit 47 refers to the user information database 33 and calculates the total A predetermined ratio to be multiplied by the payment amount is determined to calculate the billing amount. As a specific example, the calculation unit 47 calculates the billing amount corresponding to the payment of a user who has made a large total payment amount for past stores or a user who has used the electronic payment service many times. can be set lower.

The calculation unit 47 stores the calculated cumulative settlement amount and billing amount in the billing information database 35 . In addition, the calculation unit 47 may transmit billing information including the calculated cumulative settlement amount and billing amount to the operator terminal 200 of the associated operator M1.

[3. Provision processing flow]
A procedure of provision processing of the settlement server 10 according to the embodiment will be described with reference to FIG. 10 . FIG. 10 is a flowchart illustrating an example of the procedure of provision processing according to the embodiment.

As shown in FIG. 10, the payment server 10 receives payment information regarding payment for a store, which is payment using a user terminal used by a user (step S101). Subsequently, the payment server 10 determines whether or not to give a stamp based on the stamp giving conditions set by the store and the payment information (step S102). If it is determined not to add a stamp (step S102; No), the payment server 10 executes payment processing based on the payment information, and terminates the processing.

On the other hand, if it is determined to give a stamp (Step S102; Yes), the settlement server 10 determines whether or not the stamp card linked to the store has already been issued to the user. If it is determined that the stamp card has been issued (step S103; Yes), the payment server 10 executes payment processing based on the payment information and adds a stamp to the stamp card (step S104). If it is determined that the card has not been issued (step S103; No), the payment server 10 executes payment processing based on the payment information, issues a stamp card to the user, and adds a stamp to the issued stamp card. (Step S105).

Subsequently, the settlement server 10 determines whether or not the number of stamps given to the stamp card satisfies a predetermined condition for providing benefits (step S106). When determining that the predetermined condition is not satisfied (step S106; No), the settlement server 10 terminates the process. On the other hand, when it is determined that the predetermined condition is satisfied (step S106; Yes), the settlement server 10 provides the user with a predetermined privilege regarding the store (step S107).

Finally, the settlement server 10 calculates the amount charged to the business operator based on the content of the privilege (the cost of the privilege, the offer price, etc.), and ends the process (step S108). At this time, the payment server 10 may generate billing information including the billing amount and transmit it to the operator terminal 200 .

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

[4-1. About payment method]
In the above-described embodiment, an example was given in which the granting unit 43 affixes a stamp based on payment information related to settlement realized by the user terminal 100 reading a QR code installed in an actual store. is not limited to such examples. For example, the granting unit 43 may grant a stamp based on payment information related to payment realized by the shop terminal reading the user identification information displayed on the user terminal 100 .

Further, the granting unit 43 may grant a stamp based on payment information regarding payment to the store in the pre-order service. For example, the granting unit 43 grants a stamp based on payment information related to payment in a pre-order service provided in an application activated within a payment application.

Further, the adding unit 43 may add a stamp based on payment information related to payment (that is, online payment) for a transaction target in an electronic commerce service, not limited to payment for a physical store. For example, the granting unit 43 grants a stamp based on payment information related to payment in an electronic commerce service provided in an application activated within a payment application.

[4-2. Regarding the funds for the benefits]
The source of the privilege provided by the providing unit 44 may be provided by the store or may be provided by the administrator of the settlement server 10 . For example, the providing unit 44 first provides a privilege in which the store bears all of the funds, and depending on the usage status of electronic payment at the store, the administrator of the payment server 10 pays the amount corresponding to at least part of the funds. You may offer benefits that you pay for.

[4-3. Regarding the configuration of the provision processing system 1]
In the above-described embodiment, the payment server 10 included in the provision processing system 1 receives settings related to the stamp card from the store and manages information related to the stamp card owned by the user. The configuration is not limited to such examples. For example, the server that accepts settings regarding the stamp card from the store and the server that manages the information regarding the stamp card owned by the user may be different servers, or may belong to different systems.

[4-4. About processing mode]
Of the processes described in the above embodiments, all or part of the processes described as being automatically performed can be manually performed, and conversely, all of the processes described as being manually performed can be performed manually. Alternatively, some can be done automatically by known methods. In addition, information including processing procedures, specific names, various data and parameters shown in the above documents and drawings can be arbitrarily changed unless otherwise specified. For example, the various information shown in each drawing is not limited to the illustrated information.

Also, each component of each device illustrated is functionally conceptual, and does not necessarily need to be physically configured as illustrated. In other words, the specific form of distribution and integration of each device is not limited to the one shown in the figure, and all or part of them can be functionally or physically distributed and integrated in arbitrary units according to various loads and usage conditions. Can be integrated and configured.

Moreover, each of the embodiments described above can be appropriately combined within a range that does not contradict the processing contents.

[5. effect〕
As described above, the payment server 10 according to the embodiment includes the reception unit 41, the payment processing unit 42, the provision unit 43, the provision unit 44, the notification unit 45, the distribution unit 46, and the calculation unit 47. have

The accepting unit 41 accepts conditions for providing the user with a predetermined benefit related to the store, which is information about a stamp given to an electronic stamp card linked to the store where the user makes a payment. The reception unit 41 receives payment information related to payment for the store and details of a predetermined privilege provided to the user who makes the payment. Further, the reception unit 41 receives the payment amount indicated by the payment information and the information on the price of the privilege indicated by the content of the privilege. The payment processing unit 42 executes payment processing according to the payment information received by the reception unit 41 . The granting unit 43 grants a stamp to the computerized stamp card linked to the store based on the payment information. Further, the granting unit 43 grants a stamp according to the payment amount indicated by the payment information. If the stamp given to the stamp card satisfies the conditions, the calculation unit 47 calculates the charge for the store. Further, when the number of stamps provided by the providing unit 43 satisfies a predetermined condition, the calculation unit 47 calculates the charge for the store based on the content of the privilege. Further, the calculation unit 47 calculates a charge amount based on the settlement amount indicated by the settlement information.

As a result, the payment server 10 according to the embodiment can automatically add a stamp according to the electronic payment without issuing a stamp card printed on a predetermined medium by the business operator, and the fan user can can be charged to the company at the timing of acquiring the fan user, the convenience of the user and the company can be improved.

Further, the calculation unit 47 calculates the cost of the privilege as the billing amount. In addition, the calculation unit 47 calculates the price of the privilege as the billing amount. Further, the calculation unit 47 calculates an amount obtained by multiplying the offer price of the privilege by a predetermined ratio as the billing amount. Further, the calculation unit 47 calculates the billing amount when the number of stamps given by the giving unit 43 satisfies a predetermined condition and a predetermined privilege related to the store is provided. Further, when the number of stamps given by the giving unit 43 satisfies a predetermined condition and the user who has been provided with a predetermined privilege related to the store uses the privilege, the calculation unit 47 calculates the billing amount. Further, the calculation unit 47 calculates a billing amount each time a group of given stamps satisfies a condition set for each privilege provided to the user.

As a result, the payment server 10 according to the embodiment can flexibly change the charging amount and the timing of charging according to the type of prize, etc., thereby further improving convenience for users and business operators. .

In addition, the reception unit 41 receives payment information regarding payment for a store, which is payment using a user terminal used by a user. Further, the reception unit 41 receives payment information including store identification information for identifying a store. The granting unit 43 grants a stamp to a stamp card associated with the shop identification information among the stamp cards owned by the user. Further, the granting unit 43 grants a stamp to a stamp card associated with a predetermined store group including a store among the stamp cards owned by the user. The providing unit 44 provides the user with information indicating the stamp given by the applying unit 43 . Moreover, the provision part 44 provides a user with the predetermined privilege regarding a shop, when the number of stamps provided by the provision part 43 satisfy|fills a predetermined condition. The notification unit 45 notifies the user of information indicating that the predetermined condition is about to be achieved when the number of stamps required to satisfy the predetermined condition is equal to or less than a predetermined threshold. The distribution unit 46 distributes card information related to electronic stamp cards, which are stamp cards owned by users and which are linked to stores where predetermined payment methods using user terminals are available, to predetermined payment methods. Distribute to users via the provided platform.

As a result, the payment server 10 according to the embodiment can automatically add a stamp according to the electronic payment without the user having to carry around a stamp card printed on a predetermined medium. can improve sexuality.

In addition, in the settlement server 10 according to the embodiment, for example, if the user does not own a stamp card, the granting unit 43 issues a stamp card and grants a stamp. Further, the granting unit 43 grants a stamp according to the total sum of the settlement amount indicated by the history of settlement using the user terminal for the store and the settlement amount indicated by the settlement information. Further, the granting unit 43 also grants a stamp according to the date and time when the payment is made. Also, the granting unit 43 grants a stamp based on the payment information and the user information regarding the user. In addition, the providing unit 43 is a predetermined platform that provides a predetermined payment method using a user terminal, and is a predetermined platform that distributes information about stores where the predetermined payment method can be used. Give a stamp depending on whether or not there is. Also, the granting unit 43 grants stamps to the stamp card according to the number of stamps that have been granted. Moreover, the provision part 43 provides a stamp according to the conditions set by the store.

As a result, the payment server 10 according to the embodiment can flexibly add stamps according to the content of the payment made by the user, information about the user, conditions set by the store, and the like, so that the stamp card can be provided. The convenience of the store can be improved.

Further, in the payment server 10 according to the embodiment, for example, the reception unit 41 receives payment information including transaction object identification information for identifying a transaction object to be settled. Then, when the transaction object identification information indicates a predetermined transaction object, the granting unit 43 imparts a stamp to the stamp card. The reception unit 41 also receives payment information including transaction object identification information read by a store terminal used by the store.

As a result, the settlement server 10 according to the embodiment can give a stamp even when a user purchases a predetermined product, thereby improving the convenience of stores that provide stamp cards.

In addition, in the settlement server 10 according to the embodiment, for example, the providing unit 44 provides a benefit according to the number of stamps given to the stamp card. Further, the providing unit 44 provides the user with a predetermined privilege when the number of stamps given to the stamp card satisfies the conditions set by the store. Further, when the number of stamps given to the stamp card satisfies a predetermined condition, the providing unit 44 provides the user with a privilege set by the store.

As a result, the settlement server 10 according to the embodiment can provide the user with a privilege according to the stamp or a privilege based on the conditions set by the store, thereby improving the convenience of the store that provides the stamp card. be able to.

In addition, in the settlement server 10 according to the embodiment, for example, the notification unit 45 notifies the user of information according to the expiration date set for the stamp already given to the stamp card. In addition, the notification unit 45 notifies the user of information indicating conditions for applying a stamp to the stamp card.

As a result, the settlement server 10 according to the embodiment can make the user think about using the stamp card, so that the stamp card can enhance the effect of inviting the user to visit the store.

In addition, in the settlement server 10 according to the embodiment, for example, the distribution unit 46 determines the priority for distributing card information, based on the priority based on the number of stamps given to the stamp card owned by the user. Distribute card information. Further, the distribution unit 46 distributes the card information based on the priority for distributing the card information, which is based on the expiration date set to the stamp already given to the stamp card owned by the user. In addition, the distribution unit 46 is the priority for distributing card information, based on the positional relationship between the location of the store linked to the stamp card owned by the user and the location of the user. Distribute card information.

As a result, the settlement server 10 according to the embodiment can preferentially distribute useful card information, thereby improving user convenience.

[6. Hardware configuration]
Also, the settlement server 10 according to each of the embodiments described above is implemented by, for example, a computer 1000 configured as shown in FIG. The settlement server 10 will be described below as an example. FIG. 11 is a hardware configuration diagram showing an example of a computer that implements the functions of the settlement server. Computer 1000 has CPU 1100 , RAM 1200 , ROM 1300 , HDD 1400 , communication interface (I/F) 1500 , input/output interface (I/F) 1600 and media interface (I/F) 1700 .

The CPU 1100 operates based on programs stored in the ROM 1300 or HDD 1400 and controls each section. The ROM 1300 stores a boot program executed by the CPU 1100 when the computer 1000 is started up, a program depending on the hardware of the computer 1000, and the like.

The HDD 1400 stores programs executed by the CPU 1100, data used by the programs, and the like. Communication interface 1500 receives data from another device via communication network 500 (corresponding to network N in the embodiment) and sends it to CPU 1100, and also transmits data generated by CPU 1100 via communication network 500 to other devices. Send to device.

The CPU 1100 controls output devices such as displays and printers, and input devices such as keyboards and mice, through an input/output interface 1600 . CPU 1100 acquires data from an input device via input/output interface 1600 . Also, CPU 1100 outputs the generated data to an output device via input/output interface 1600 .

Media interface 1700 reads programs or data stored in recording medium 1800 and provides them to CPU 1100 via RAM 1200 . CPU 1100 loads such a program from recording medium 1800 onto RAM 1200 via 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 a PD (Phase change rewritable disc), a magneto-optical recording medium such as an MO (Magneto-Optical disk), a tape medium, a magnetic recording medium, or a semiconductor memory. etc.

For example, when the computer 1000 functions as the settlement server 10 , the CPU 1100 of the computer 1000 implements the functions of the control unit 40 by executing programs loaded on the RAM 1200 . Moreover, each data in the storage device of the settlement server 10 is stored in the HDD 1400 . CPU 1100 of computer 1000 reads these programs from recording medium 1800 and executes them, but as another example, these programs may be obtained from another device via a predetermined communication network.

[7. others〕
As described above, some of the embodiments of the present application have been described in detail based on the drawings. It is possible to carry out the invention in other forms with modifications.

In addition, the configuration of the settlement server 10 described above can be flexibly changed, for example, by calling an external platform or the like using an API (Application Programming Interface), network computing, or the like, depending on the function.

Further, the "unit" described in the claims can be read as "means", "circuit", or the like. For example, the reception unit can be read as reception means or a reception circuit.

1 Provision processing system 10 Settlement server 20 Communication unit 30 Storage unit 31 Account database 32 Stamp card information database 33 User information database 34 Business operator information database 35 Billing information database 40 Control unit 41 Receiving unit 42 Payment processing unit 43 Granting unit 44 Provision Part 45 Notification Part 46 Delivery Part 47 Calculation Part 100 User Terminal 200 Business Operator Terminal

Claims (34)

Information on the stamp given to the computerized stamp card linked to the store where the user makes the payment, including the conditions for providing the user with a predetermined privilege related to the store and information on the price of the privilege a reception unit that receives the
and a calculation unit that calculates a billing amount for the store based on information about the price of the privilege when the stamp given to the stamp card satisfies the condition. a reception unit that receives information about a stamp given to an electronic stamp card that is linked to a store where the user makes a payment, and which accepts conditions for providing the user with a predetermined privilege related to the store;
a calculation unit for calculating a charge amount for the store based on the cost price of the privilege when the stamp given to the stamp card satisfies the condition;
A providing device characterized by comprising: a reception unit that receives information about a stamp given to an electronic stamp card that is linked to a store where the user makes a payment, and which accepts conditions for providing the user with a predetermined privilege related to the store;
a calculation unit that calculates a charge amount for the store based on the offer price of the privilege when the stamp given to the stamp card satisfies the condition;
A providing device characterized by comprising: a reception unit that receives information about a stamp given to an electronic stamp card that is linked to a store where the user makes a payment, and which accepts conditions for providing the user with a predetermined privilege related to the store;
a calculating unit for calculating an amount obtained by multiplying the offer price of the privilege by a predetermined ratio as an amount to be charged to the store when the stamp given to the stamp card satisfies the condition;
A providing device characterized by comprising: Information about the stamp given to the computerized stamp card linked to the store where the user makes the payment, including the conditions for providing the user with the predetermined benefits related to the store, and the payment related to the store a reception unit that receives information;
a calculation unit that calculates a charge amount for the store based on the payment amount indicated by the payment information when the stamp given to the stamp card satisfies the condition;
A providing device characterized by comprising: The calculation unit
6. The providing device according to any one of claims 1 to 5 , wherein when the number of given stamps satisfies the condition and the privilege is provided, the billing amount is calculated. The calculation unit
Any one of claims 1 to 5 , wherein the billing amount is calculated when the number of granted stamps satisfies the condition and the user who has been provided with the privilege uses the privilege. 1. A delivery device according to one. The calculation unit
8. The charge amount is calculated each time the given stamp group satisfies the condition set for each privilege provided to the user. providing equipment. 9. The providing device according to any one of claims 1 to 8 , further comprising an affixing unit that affixes a stamp based on payment information relating to payment for the store. The reception unit
Payment to a store, which is performed by the store terminal used by the store reading the code that is displayed on the user terminal used by the user and indicates the user identification information that identifies the user. or the user terminal owned by the user reads the code indicating the store identification information that the user uses to identify the store. accepts payment information including store identification information that identifies the store,
The granting unit is
Among the stamp cards owned by the user, a stamp card linked to the store identification information included in the payment information received by the reception unit is identified, and the stamp card is processed based on the payment information. give a stamp
10. The providing apparatus according to claim 9 , further comprising a providing unit that provides said user with information indicating the stamp applied by said applying unit. The granting unit is
11. The provision device according to claim 10 , wherein when said user does not own said stamp card, said stamp card is obtained and a stamp is added thereto. The granting unit is
The provision device according to claim 10 or 11 , wherein, among the stamp cards owned by the user, a stamp is given to a stamp card linked to a predetermined group of stores including the store. The granting unit is
Any one of claims 10 to 12 , wherein a stamp is given according to the total sum of the settlement amount indicated by the settlement history using the user terminal for the store and the settlement amount indicated by the settlement information. 2. The delivery device described in . The reception unit
Receiving the payment information including transaction object identification information that identifies the transaction object that is the object of the payment;
The granting unit is
14. The provision device according to any one of claims 10 to 13 , wherein a stamp is added to the stamp card when the transaction object identification information indicates a predetermined transaction object. The granting unit is
15. The providing device according to any one of claims 10 to 14 , wherein a stamp is given according to the date and time when said payment is made. The granting unit is
16. The providing device according to any one of claims 10 to 15 , wherein a stamp is applied based on the payment information and user information about the user who makes the payment. The granting unit is
A predetermined platform that provides a predetermined payment method using the user terminal, and that distributes information about stores where the predetermined payment method can be used Depending on whether the store is being followed 17. A provider according to any one of claims 10 to 16 , characterized in that it applies a stamp to the document. The granting unit is
The providing device according to any one of claims 10 to 17 , wherein stamps are given to said stamp card according to the number of stamps already given. The granting unit is
19. The provision device according to any one of claims 10 to 18 , wherein a stamp is given according to conditions set by the store. The providing unit
20. The method according to any one of claims 10 to 19 , wherein, when the number of stamps given by said giving unit satisfies a predetermined condition, said user is provided with a predetermined privilege relating to said store. providing equipment. a first notification unit that notifies the user of information indicating that the predetermined condition is about to be achieved when the number of stamps required to satisfy the predetermined condition is equal to or less than a predetermined threshold value; 21. A providing device according to any one of claims 10 to 20 . 22. Any one of claims 10 to 21 , further comprising a second notification unit that notifies the user of information corresponding to the expiration date set in the stamp that has already been given to the stamp card. 2. The delivery device described in . 23. The provision according to any one of claims 10 to 22 , further comprising a third notification unit for notifying the user of information indicating conditions for applying stamps to the stamp card. Device. The stamp card owned by the user, which is a stamp card that is linked to a store where a predetermined payment method using the user terminal is available, is provided to the predetermined payment method. 24. The providing apparatus according to any one of claims 10 to 23 , further comprising a distribution unit that distributes to the user via a predetermined platform. A computer-implemented method of providing, comprising:
Information on the stamp given to the computerized stamp card linked to the store where the user makes the payment, including the conditions for providing the user with a predetermined privilege related to the store and information on the price of the privilege a reception process for accepting
and a calculating step of calculating an amount to be charged to the store based on information on the price of the privilege when the stamp given to the stamp card satisfies the condition. Information on the stamp given to the computerized stamp card linked to the store where the user makes the payment, including the conditions for providing the user with a predetermined privilege related to the store and information on the price of the privilege a reception procedure for accepting the
and a calculation procedure for calculating the amount charged to the store based on the information on the price of the privilege when the stamp given to the stamp card satisfies the condition. A computer-implemented method of providing, comprising:
a reception step of accepting conditions for providing the user with a predetermined privilege related to the store, which is information related to the stamp given to the computerized stamp card linked to the store where the user makes the payment;
a calculating step of calculating the cost of the privilege as the amount charged to the store when the stamp given to the stamp card satisfies the condition;
A provision method characterized by comprising: A reception procedure for accepting conditions for providing the user with a predetermined privilege related to the store, which is information about the stamp given to the computerized stamp card linked to the store where the user makes the payment;
a calculation step of calculating the cost of the privilege as an amount charged to the store when the stamp given to the stamp card satisfies the condition;
A provided program characterized by causing a computer to execute A computer-implemented method of providing, comprising:
a reception step of accepting conditions for providing the user with a predetermined privilege related to the store, which is information related to the stamp given to the computerized stamp card linked to the store where the user makes the payment;
a calculating step of calculating the offer price of the privilege as the amount charged to the store when the stamp given to the stamp card satisfies the condition;
A provision method characterized by comprising: A reception procedure for accepting conditions for providing the user with a predetermined privilege related to the store, which is information about the stamp given to the computerized stamp card linked to the store where the user makes the payment;
a calculation step of calculating the offer price of the privilege as the amount charged to the store when the stamp given to the stamp card satisfies the condition;
A provided program characterized by causing a computer to execute A computer-implemented method of providing, comprising:
a reception step of accepting conditions for providing the user with a predetermined privilege related to the store, which is information related to the stamp given to the computerized stamp card linked to the store where the user makes the payment;
a calculating step of calculating an amount obtained by multiplying the offer price of the privilege by a predetermined ratio as an amount to be charged to the store when the stamp given to the stamp card satisfies the condition;
A provision method characterized by comprising: A reception procedure for accepting conditions for providing the user with a predetermined privilege related to the store, which is information about the stamp given to the computerized stamp card linked to the store where the user makes the payment;
a calculation step of calculating an amount obtained by multiplying the offer price of the privilege by a predetermined ratio as the amount charged to the store when the stamp given to the stamp card satisfies the condition;
A provided program characterized by causing a computer to execute A computer-implemented method of providing, comprising:
Information about the stamp given to the computerized stamp card linked to the store where the user makes the payment, including the conditions for providing the user with the predetermined benefits related to the store, and the payment related to the store a reception process for receiving information;
a calculation step of calculating a billing amount for the store based on the payment amount indicated by the payment information when the stamp given to the stamp card satisfies the condition;
A provision method characterized by comprising: Information on the stamp given to the computerized stamp card linked to the store where the user makes the payment, including the conditions for providing the user with the predetermined benefits related to the store, and the payment for the store a reception procedure for receiving information;
a calculation step of calculating a charge for the store based on the payment amount indicated by the payment information when the stamp given to the stamp card satisfies the condition;
A provided program characterized by causing a computer to execute

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