JP7203940B1 - INFORMATION PROVIDING DEVICE, INFORMATION PROVIDING METHOD AND PROGRAM - Google Patents

Abstract

An information providing device, an information providing method, and a program capable of effectively providing coupons for improving the profit of a store that sells products are provided. A user for estimating a time zone during which the user tends to use the electronic payment service at the physical store based on the history of payment information in the electronic payment service that processes payments related to purchases at the physical store. a trend estimating unit; and a benefit providing unit that provides a user terminal device used by the user associated with the payment information with a benefit that can be used at the physical store during a predetermined period based on the time period. delivery device. [Selection drawing] Fig. 1

Description

The present invention relates to an information providing device, an information providing method, and a program.

Conventionally, there is known a technique for providing coupons whose period of use is limited in electronic commerce. For example, Patent Literature 1 discloses a technique of providing a coupon with a set validity period for a product when a pre-set start condition for the product is satisfied.

JP 2015-179364 A

The technology described in Patent Literature 1 preliminarily sets the contents and validity period of a coupon for each product. That is, the conventional technology does not provide coupons in consideration of the user's payment behavior history. As a result, there have been cases where coupons cannot always be effectively provided to improve the profits of stores that sell products.

The present invention has been made in consideration of such circumstances, and provides an information providing apparatus, an information providing method, and a program that can effectively provide coupons to improve the profit of stores that sell products. One of the purposes is to provide

In one aspect of the present invention, based on the history of payment information in an electronic payment service that processes payments related to purchases made at physical stores, a time zone in which the user tends to use the electronic payment service at the physical store is determined. a user trend estimating unit for estimating; and a privilege providing unit for providing a user terminal device used by the user associated with the payment information with a privilege that can be used during a predetermined period at the physical store based on the time period. An information providing device provided.

ADVANTAGE OF THE INVENTION According to the aspect of this invention, a coupon can be effectively provided for the profit improvement of the store which sells goods.

1 is a diagram showing an example of a configuration for realizing an electronic payment service; FIG. 1 is a diagram illustrating a general flow of electronic payment; FIG. It is a figure which shows an example of a settlement completion screen. It is a figure which shows an example of an advertiser exclusive page. 2 is a configuration diagram of a settlement server 100; FIG. 4 is a diagram showing an example of contents of user information 162. FIG. 4 is a diagram showing an example of contents of store information 166. FIG. FIG. 4 is a diagram showing an example of contents of user tendency information 168. FIG. It is a figure which shows an example of the content of store tendency information 170. FIG. 3 is a diagram showing a screen IM1, which is an example of an interface screen provided to an advertiser terminal device 70. FIG. 4 is a flow chart showing an example of the flow of processing executed by the settlement server 100. FIG. 10 is a flow chart showing an example of a flow in which a privilege control unit 140 autonomously provides coupons. 10 is a flow chart showing another example of a flow in which the privilege control unit 140 autonomously provides coupons. 10 is a flow chart showing still another example of the flow in which the privilege control unit 140 autonomously provides coupons. 10 is a flow chart showing still another example of the flow in which the privilege control unit 140 autonomously provides coupons.

Hereinafter, embodiments of an information providing apparatus, an information providing method, and a program according to the present invention will be described with reference to the drawings. An information providing device is realized by one or more processors. The information providing device is a device that distributes advertisements accompanying electronic payment services. An electronic payment service is a service that supports payment related to purchase of goods and services at a store. A store is mainly a physical store (actual store) that exists in real space, unlike a virtual store related to electronic commerce. It should be noted that although the mechanism of the present invention does not necessarily exclude the application of a virtual store related to electronic commerce, the store targeted by the present invention includes at least a real store.

[Electronic payment service]
FIG. 1 is a diagram showing an example of a configuration for realizing an electronic payment service. An electronic payment service is implemented centering on the payment server 100 . The settlement server 100 communicates with, for example, one or more user terminal devices 10, one or more shop terminal devices 50, and one or more advertiser terminal devices 70 via the network NW. The network NW includes, for example, the Internet, a LAN (Local Area Network), wireless base stations, provider devices, and the like.

The user terminal device 10 is, for example, a portable terminal device such as a smart phone or a tablet terminal. The user terminal device 10 is a computer device having at least an optical reading function, a communication function, a display function, an input reception function, and a program execution function. In the following description, configurations for realizing these functions are respectively referred to as a camera, a communication device, a touch panel, a CPU (Central Processing Unit), and the like. In the user terminal device 10, the payment application 20 is executed by a processor such as a CPU, so that it operates in cooperation with the payment server 100 to provide the user with an electronic payment service. The payment application 20 controls a camera, a communication device, a touch panel, and the like.

The store terminal device 50 is installed, for example, in a store. The store terminal device 50 is a computer device having at least a product price acquisition function, an optical reading function, a program execution function, and a communication function. The store terminal device 50 includes a so-called POS (Point of Sale) device, and the POS device may realize the product price acquisition function and the optical reading function. The store code image 60 is placed in a store and is a code image such as a QR code (registered trademark) printed on a medium such as paper or plastic. Note that the store code image 60 may be displayed on a display placed at the store.

The advertiser terminal device 70 is a terminal device used by a person (advertiser) who intends to display an online advertisement (hereinafter simply an advertisement) included in a settlement completion screen, which will be described later. The advertiser terminal device 70 may be any computer device that can be connected to the network NW, such as a personal computer, smart phone, or tablet terminal.

The payment server 100 realizes electronic payment based on payment information received from the user terminal device 10 or the shop terminal device 50 . The settlement server 100 performs electronic settlement, for example, by increasing or decreasing balance information managed in association with a user ID (in other words, depositing and withdrawing electronic money). The electronic payment may include a method such as revolving payment or credit payment that enables purchase of a larger amount than the balance information at the time of purchase.

FIG. 2 is a diagram illustrating a general flow of electronic payment. There may be two types of electronic payment: pattern 1 and pattern 2. In the case of pattern 1, first, the payment application 20 is activated on the user terminal device 10, and a code image such as a QR code or barcode is displayed. The user holds up (presents) the display surface of the user terminal device 10 to the shop terminal device 50 . The shop terminal device 50 decodes the code image with the optical reading function and acquires information such as the user ID. The shop terminal device 50 then generates payment information including the user ID, payment amount, shop ID, etc., and transmits the payment information to the payment server 100 . The information on the payment amount is acquired in advance by reading a bar code, manually inputting it, or the like. The payment server 100 performs payment processing based on the received information.

In the case of pattern 2, the user terminal device 10 with the payment application 20 activated decodes the store code image 60 by the optical reading function. The store code image 60 includes information such as the store name. The user inputs the settlement amount into the user terminal device 10 on the screen on which the store name and the like are displayed. Then, the user terminal device 10 generates payment information including the user ID, payment amount, store ID, etc., and transmits the payment information to the payment server 100 . The payment server 100 performs payment processing based on the received information. It should be noted that electronic payment may be performed only in one of the above patterns.

When electronic payment is completed, a completion notification is sent from the payment server 100 to the user terminal device 10 . The user terminal device 10 displays a payment completion screen in response to the received notification of completion. The completion notification is, for example, in the form of a web page. FIG. 3 is a diagram showing an example of a settlement completion screen. The payment completion screen includes, for example, an area A1 where information about the store where the payment was made is displayed, an area A2 where the payment amount is displayed, an area A3 where points given to the user as a result of the payment are displayed, an electronic It includes an area A4 where coupons (privileges) that can be used at physical stores that can use electronic payment using payment services are displayed. In FIG. 3, as an example of coupons, coupons that can be used in a specific time period (that is, from 13:00 to 14:00) are displayed, but the present invention is not limited to such a configuration. For example, the period during which the coupon can be used may be the period from when the payment is made until a specific period of time (eg, 90 minutes) elapses.

The advertiser is mainly a business operator different from the operator of the payment server 100 (the operator of the payment server 100 may also be the advertiser). In this embodiment, the advertiser is a member store of the electronic payment service provided by the operator of the payment server 100, in other words, a store that permits the user to make an electronic payment using the electronic payment service. do.

The user can acquire the displayed coupon by tapping the coupon indicated by area A4 on the user terminal device 10 . More specifically, when the user taps the coupon indicated by the area A4 on the user terminal device 10, the settlement server 100 stores the content information of the coupon acquired by the user together with the validity period in the user information 162 described later. store in the coupon grant information. A coupon acquired by a user for a certain store is automatically applied when electronic payment is made at the store, and, for example, processing such as a discount is executed.

Alternatively, when the user taps a coupon or other advertising content indicated by area A4 on the user terminal device 10, the payment server 100 sends the tapped coupon or other advertising content to the advertiser. You may transition the screen to a dedicated page on the electronic payment service. The user may acquire coupons that can be used for electronic payment discounts, etc. through the advertiser-dedicated page to which the transition is made.

FIG. 4 is a diagram showing an example of an advertiser-only page. The advertiser-dedicated page includes an area A5 in which outline information of the advertiser's store is displayed, an area A6 in which detailed information on the advertiser's store is switchably displayed using tabs, and the like. As shown in FIG. 4, for example, when the user taps "Coupon", which is one tab included in area A6, coupons that the user can use for electronic payment at the store are displayed. The user can acquire the displayed coupon, for example, by further tapping the displayed coupon.

[Settlement server]
FIG. 5 is a configuration diagram of the settlement server 100. As shown in FIG. The payment server 100 includes, for example, a communication unit 110, a payment content providing unit 120, a payment processing unit 130, a privilege control unit 140, and a storage unit 160. The privilege control unit 140 includes, for example, a payment information acquisition unit 142, a setting reception unit 144, a user tendency estimation unit 146, a shop tendency estimation unit 148, a privilege determination unit 150, and a privilege provision unit 152. Each of the payment information acquisition unit 142, the setting reception unit 144, the user tendency estimation unit 146, the shop tendency estimation unit 148, the privilege determination unit 150, and the privilege provision unit 152 is implemented by a hardware processor such as a CPU. It is realized by executing a program (software). Some or all of these components are hardware (circuit part; circuitry) or by cooperation of software and hardware. The program may be stored in advance in a storage device (a storage device with a non-transitory storage medium) such as a HDD (Hard Disk Drive) or flash memory, or may be stored in a removable storage such as a DVD or CD-ROM. It may be stored in a medium (non-transitory storage medium) and installed in the storage device by loading the storage medium into the drive device.

The storage unit 160 is an HDD, flash memory, RAM (Random Access Memory), or the like. The storage unit 160 may be a NAS (Network Attached Storage) device that can be accessed by the settlement server 100 via a network. The storage unit 160 stores information such as user information 162, payment content information 164, store information 166, user trend information 168, store trend information 170, and the like.

The communication unit 110 is a communication interface for connecting to the network NW. The communication unit 110 is, for example, a network card.

The payment content providing unit 120 has, for example, a function of a web server, and provides the user terminal device 10 with information (contents) for displaying various screens of the electronic payment service, including the above-described payment completion screen. The payment content providing unit 120 appropriately reads necessary content from the payment content information 164 and provides it to the user terminal device 10 . The user terminal device 10 accepts various inputs from the user while the content is being reproduced by the payment application 20 , and transmits the above-described payment information and the like to the payment server 100 .

The payment processing unit 130 performs payment processing based on payment information transmitted from the user terminal device 10 or the shop terminal device 50 . The payment processing unit 130 performs payment processing while referring to the user information 162 .

FIG. 6 is a diagram showing an example of the contents of the user information 162. As shown in FIG. The user information 162 is, for example, a user ID associated with information such as date of birth, gender, balance information, contact information, credit information, coupon application information, coupon validity period, and settlement history information. be. The date of birth is information indicating the date of birth of each user. Age information may be set instead of the date of birth. Gender is information indicating the gender of each user. The date of birth and gender are set, for example, when the user registers for the electronic payment service. The balance information is information indicating the balance of electronic money set by the user in advance by remittance from a bank deposit or the like to the electronic settlement service. The balance information may be automatically added by auto-charging accompanying the payment process. The contact information is the information entered by the user when subscribing to the electronic payment service. The credit information is information indicating whether revolving payment or the like is approved. The coupon provision information is information indicating the content of the coupon that the user has acquired and is provided. The coupon validity period is information indicating the validity period of the coupon indicated by the coupon provision information. If the coupon does not have a validity period set, the coupon validity period is set to blank. The payment history information is information indicating details of payments made by the user (date and time, shop ID of the shop where the purchase was made, payment amount, etc.) for each payment.

Information about stores is managed as store information 166 . FIG. 7 is a diagram showing an example of the contents of the shop information 166. As shown in FIG. The store information 166 is, for example, a store ID associated with information such as a store category, location, payment pattern, and the like. The store category may be one-level information, or may be information having a hierarchical structure of two or more levels. For example, information such as "Japanese food", "restaurant", and "restaurant" may be given as a superordinate concept of "sushi" shown in the figure. The location may be represented by hierarchical code information such as JIS code. The payment pattern is information indicating which of pattern 1 and pattern 2 described above can be used for payment.

FIG. 8 is a diagram showing an example of the contents of the user tendency information 168. As shown in FIG. The user trend information 168 is, for example, estimated by the user trend estimation unit 146 based on the payment history information recorded during the past collection period (for example, the most recent month). The user trend information 168 is, for example, a user ID associated with information such as preference category, high payment frequency area, average payment amount, store ID, high payment frequency time zone, and location for each time zone. .

The preference category is information indicating a category with high payment frequency or total payment amount in the payment history information. As the preference category, only the category with the highest payment frequency or total payment amount may be set, or a plurality of categories whose payment frequency or total payment amount is equal to or greater than a threshold may be set. The high payment frequency area is information indicating an area with a high payment frequency in the payment history information. Only the area with the highest payment frequency may be set as the high payment frequency area, or a plurality of areas where the payment frequency satisfies a threshold value or more may be set. The average payment amount is information indicating the average amount of electronic payment made during the collection period.

The store ID is information indicating the ID of the physical store where the user has performed electronic payment using the electronic payment service during the aggregation period. The high payment frequency time zone is information indicating the time zone with the highest frequency of payment for the user at the actual store where electronic payment is made using the electronic payment service. The shop ID and high payment frequency time zone may be recorded only for shops where it is determined that the user has executed electronic payments a threshold number of times (eg, 5 times) or more, based on the payment history information. The location for each time zone is information indicating the location where the user is supposed to be present in each time zone (for example, 8:00-9:00). The location for each time zone can be estimated, for example, based on the location of the store with the store ID corresponding to the high frequency payment time zone, or the location obtained by using the GPS function provided in the user terminal device. It can also be estimated based on information.

FIG. 9 is a diagram showing an example of the contents of store trend information 170. As shown in FIG. The store trend information 170 is, for example, estimated by the store trend estimation unit 148 based on the payment history information of a plurality of users recorded during the past collection period (for example, the most recent month). The shop trend information 170 is, for example, information such as shop category, average payment amount, maximum average payment amount time period, maximum average payment amount, etc., associated with the shop ID. The average settlement amount is information indicating the average settlement amount of electronic settlement at the store during the aggregation period. The maximum average payment amount time period is information indicating the time period corresponding to the maximum average payment amount among the average electronic payment amounts for each time period at the store during the aggregation period. The maximum average settlement amount is information indicating the average settlement amount of electronic settlement in the maximum average settlement amount time period. In FIGS. 8 and 9, as an example, time slots are set every hour, but the present invention is not limited to such a configuration, and time slots may be set at arbitrary intervals.

[Benefits]
The privilege control unit 140 performs various processes for providing the user terminal device 10 with coupons that can be used at physical stores where electronic payment using an electronic payment service is available. In this embodiment, the privilege control unit 140 is one function of the settlement server 100 , but the privilege control unit 140 may be a separate device from the settlement server 100 . The privilege control unit 140 is an example of an "information providing device".

The payment information acquisition unit 142 acquires payment information in the electronic payment service. The payment information is information that is generated and transmitted to the payment server 100 each time payment is made at a physical store, as described with reference to FIG. For example, the payment information is provided to the payment information acquisition unit 142 in parallel with being provided to the payment processing unit 130 and reflected in the user information 162 .

The setting reception unit 144 provides the advertiser terminal device 70 with an interface for inputting the coupon provision conditions to be provided to the user terminal device 10, and acquires the provision conditions via the interface. FIG. 10 is a diagram showing a screen IM1, which is an example of an interface screen provided to the advertiser terminal device 70. As shown in FIG. The screen IM1 includes areas A9 to A20 for designating the contents and validity period of the coupon to be provided to the user terminal device 10, and the contents and validity period of the coupon specified in the areas A9 to A20. and a send button B1 for instructing sending to 100. The coupon information transmitted to the payment server 100 is stored, for example, in the payment content information 164 of the storage unit 150, and provided to the user terminal device 10 by the privilege providing unit 148, which will be described later.

The area A9 is an area for designating the discount amount of the coupon to be provided to the user terminal device 10. FIG. In FIG. 9, as an example, a scene of specifying a discount rate (that is, 30% off) is described, but the present invention is not limited to such a configuration. good too.

Area A10 is an area for designating whether or not to set a valid period for the coupon. In this embodiment, as an example, the area A10 is represented as an ON/OFF button, and when the ON/OFF button is set to ON, a specific period is specified in the lower areas A11 to A14. On the other hand, when the ON/OFF button is set to OFF, the period is not specified in the areas A11 to A14, and the coupon is set as an unlimited valid period.

Area A11 is an area for designating the validity period of the coupon that is applied after execution of electronic payment. An arbitrary time zone is specified by the advertiser for the validity period specified in the area A11. By designating the validity period in the area A11, the advertiser can induce, for example, the user of the electronic payment service to visit the store during the time period when the average payment amount is high and make the electronic payment.

Area A12 is an area for designating the validity period of the coupon provided on the store's dedicated page. That is, when a valid period is specified in the area A12, a coupon that can be used during the valid period is provided to the user terminal device 10 via the store's dedicated page. As in the area A11, the advertiser designates the effective period in the area A12, for example, to induce the user of the electronic payment service to visit the shop during the time when the average payment amount is high and to make the electronic payment. can do. The coupon specified in the area A12 may be provided not only to users who have executed electronic payment, but also to all users who have visited the dedicated page.

Although not shown in FIG. 10, in areas A11 and A12, it is possible to specify a date as the validity period of the coupon, such as "only on the day of payment", "every day", and "every Monday". may As a result, for example, if the store is most vacant during a specific time slot on a specific day of the week, the user can be guided to the time slot on that day of the week.

Area A13 is a first area for designating whether or not to allow privilege determining section 150 to automatically determine the validity period of the coupon. That is, in the area A13, when it is designated that the privilege determining unit 150 automatically determines the validity period of the coupon, the privilege determining unit 150 refers to the user trend information 168, for example, and Set a time zone different from the high payment frequency time zone that is set as the validity period of the coupon. As a result, it is possible to give the user an incentive to visit the store during an unusual time period and perform electronic payment, thereby improving the profit of the store.

Area A14 is a second area for designating whether or not to allow privilege determining section 150 to automatically determine the validity period of the coupon. That is, in the area A14, when it is specified that the privilege determination unit 150 automatically determines the validity period of the coupon, the privilege determination unit 150 refers to the store trend information 170, for example. Set the maximum average settlement amount window for the coupon validity period. As a result, it is possible to increase the possibility that the user will make an electronic payment of a larger amount at the store, and improve the profit of the store.

Area A15 is an area for specifying whether or not minors are excluded from coupon provision targets when the period set in areas A11 to A14 is nighttime (for example, after 19:00). . That is, in the area A15, when it is designated to exclude minors from the provision of coupons, the privilege determination unit 150 refers to the age of the user information 162 and determines whether the user is under 20 years old, In some cases, the user is excluded from the offer of coupons. As a result, it is possible to improve the profit of the store while considering the safety for the user.

The area A16 is an area for designating the electronic payment distance for which the coupon is provided on the payment completion screen. That is, when a distance that is the area A16 is specified, the coupon is provided only on the payment completion screen of the electronic payment executed within the range of the distance from the own shop. By designating the distance in the area A16, coupons can be provided only to users who are likely to actually visit the store.

Area A17 is an area for designating whether or not to provide a coupon at the time of payment at the own store. In other words, when it is specified that coupons should be provided at the time of payment at the own store, coupons are provided not only to other stores but also to users who have executed electronic payment at the store. is not specified, coupons are provided only to users who have made electronic payments at other stores. As a result, it is possible to finely set the target to which the coupon is provided and improve the advertising effect. Although illustration is omitted in FIG. 10, for example, an area for designating whether or not to provide coupons only at the time of payment at the own store may be further provided. As a result, it is possible to provide coupons that are specialized in increasing the loyalty of existing customers.

Area A18 is an area for designating whether or not to provide coupons only to users who have a high preference for the category of their own store. That is, in the area A18, if it is designated to provide coupons only to users who have a high preference for the category of their own store, based on the user trend information 168, users whose preference category matches the category of the store Only coupons are offered. This makes it possible to provide coupons only to users who are likely to actually visit the store.

Area A19 is an area for designating whether or not to provide coupons only to users who frequently make payments in the area where the store is located. That is, in the area A19, when it is specified that coupons are provided only to users who frequently make payments in the area where the store is located, based on the user trend information 168, the high payment frequency area is the area of the store. Coupons are provided only to matching users. This prevents coupons from being provided to users who are unlikely to become repeat customers, such as business travelers and tourists, even if electronic payments are made near their own store. , can increase the advertising effect.

Area A20 is an area for designating whether or not to provide coupons only to users who have no history of using the store. That is, if it is designated in area A19 to provide coupons only to users who have no usage history of the store, coupons are provided only to users who have no usage history of the store based on the payment history information. . As a result, it is possible to prevent coupons from being provided to users who have already used the own store, thereby enhancing advertising effectiveness.

[Processing flow]
FIG. 11 is a flowchart showing an example of the flow of processing executed by the settlement server 100. As shown in FIG. First, each of the payment content providing unit 120 and the privilege control unit 140 determines whether or not the payment server 100 has received payment information (S100). When it is determined that the payment server 100 has received the payment information, the payment processing unit 130 performs payment processing based on the payment information (S102).

In parallel, the payment information acquisition unit 142 of the privilege control unit 140 acquires the received payment information and acquires the past payment history of the user (user related to the payment information) from the user information 162. (S106).

Next, the privilege determination unit 150 of the privilege control unit 140 searches the payment content information 164 and determines coupons that meet the coupon provision conditions set by the advertiser (S108). Then, the privilege providing unit 148 acquires the determined coupon from the payment content information 164 and provides it to the payment content providing unit 120 (S110).

The payment content providing unit 120 includes the coupon provided by the privilege providing unit 148 in the payment completion screen and displays it on the user terminal device 10 (S104). This completes the processing of this flowchart.

In the above description, the coupon is provided based on the coupon provision condition input by the advertiser on the interface provided by the setting reception unit 144 . However, the present invention is not limited to such a configuration, and the benefit control unit 140 may autonomously provide coupons without the advertiser setting coupon provision conditions. For example, the privilege control unit 140 may set a valid period for a coupon that has already been issued by the store and provide the coupon as a coupon.

FIG. 12 is a flow chart showing an example of a flow in which the privilege control unit 140 autonomously provides coupons. First, the privilege control unit 140 determines whether or not the payment server 100 has received payment information (S200). When it is determined that the payment server 100 has received the payment information, the payment information acquisition unit 142 acquires the payment information, and the privilege determination unit 146 obtains the user tendency information 168 using the user ID associated with the payment information as a key. By referring to it, the high-frequency payment time zone corresponding to the store where the electronic payment was executed, which is stored in the user tendency information 168, is extracted (S202). Next, the privilege determination unit 146 determines to provide an existing coupon issued by the store with a valid period different from the high-frequency payment period set. The privilege providing unit 148 provides the determined coupon to the user terminal device 10 (S204).

By the processing of the flowchart of FIG. 12, it is possible to give the user an incentive to visit the store during an unusual time period and make electronic payments, thereby improving the profit of the store.

In the above flowchart, in step S200, in response to receipt of payment information, steps S202 and S204 are executed for the store associated with the payment information. However, the present invention is not limited to such a configuration, and the process of step S200 may be omitted. In that case, the privilege control unit 140 periodically or irregularly refers to the user trend information 168, extracts a high-frequency payment time zone corresponding to each store, and extracts a high-frequency payment time zone different from the extracted high-frequency payment time zone. A user terminal device 10 is provided with a coupon in which a time zone is set as an effective period. In that case, the provided coupon will be displayed, for example, on the top page or coupon page of the payment application of the user terminal device 10, or the dedicated page of the store, instead of the payment completion screen.

As another example, when the user executes electronic payment, the privilege determination unit 146 refers to the high payment frequency time zone of the user stored in the user trend information 158, and selects the high payment frequency time zone and the electronic payment. If the maximum average settlement amount time period of the executed store does not match, the coupon may be provided with the maximum average settlement amount time period set as the valid period.

FIG. 13 is a flow chart showing another example of the flow in which the privilege control unit 140 autonomously provides coupons. First, the privilege control unit 140 determines whether or not the payment server 100 has received payment information (S300). When it is determined that the payment server 100 has received the payment information, the payment information acquisition unit 142 acquires the payment information, and the privilege determination unit 146 obtains the user tendency information 168 using the user ID associated with the payment information as a key. By referring to it, the high-frequency payment time zone corresponding to the store where the electronic payment was executed, which is stored in the user tendency information 168, is extracted (S302). Next, the privilege determining unit 146 refers to the store trend information 170 using the store ID related to the payment information as a key, and extracts the maximum average payment amount time period of the store indicated by the store ID (S304).

Next, the privilege determination unit 146 determines whether or not the user's high payment frequency time period and the store's maximum average payment amount time period match (S306). When it is determined that the user's high payment frequency time zone and the store's maximum average payment amount time zone match, this means that the user has already visited the store during the store's maximum average payment amount time zone. . In this case, the processing of this flowchart ends. On the other hand, when it is determined that the user's high payment frequency time zone and the store's maximum average payment amount time zone do not match, the privilege determination unit 146 adds the high payment frequency time zone to the existing coupons issued by the store. Decide to set and provide as a valid period. The privilege providing unit 148 provides the determined coupon to the user terminal device 10 (S308). This completes the processing of this flowchart.

The processing of the flowchart of FIG. 13 increases the possibility that the user will make an electronic payment of a larger amount at the store, and can improve the profit of the store.

In the above flowchart, in response to receipt of payment information in step S300, the processing from step S302 to step S308 is executed for the store related to the payment information. However, the present invention is not limited to such a configuration, and the process of step S300 may be omitted. In that case, the privilege control unit 140 periodically or irregularly refers to the user trend information 168, extracts the high-frequency payment time period corresponding to each store, and refers to the store trend information 170 to Extract the maximum average settlement amount time period corresponding to the store. The privilege control unit 140 provides the user terminal device 10 with a coupon having the maximum average payment amount time period set as the validity period for a shop where the high frequency payment time period and the maximum average payment amount time period do not match. In that case, the provided coupon will be displayed, for example, on the top page or coupon page of the payment application of the user terminal device 10, or the dedicated page of the store, instead of the payment completion screen.

In the processing of the flowchart of FIG. 13, when the user's high-frequency payment time period and the store's maximum average payment amount time period do not match, the coupon whose validity period is set to the maximum average payment amount time period is set to the user terminal device 10. provided to However, if the user's location tends to be away from the store during the maximum average payment amount time period (for example, when he is returning home), the coupon with the maximum average payment amount set as the valid period provided to the user terminal device 10 may be wasteful. The process of the flowchart of FIG. 14 addresses such situations.

FIG. 14 is a flow chart showing still another example of the flow in which the privilege control unit 140 autonomously provides coupons. First, the privilege control unit 140 determines whether or not the payment server 100 has received payment information (S400). When it is determined that the payment server 100 has received the payment information, the payment information acquisition unit 142 acquires the payment information, and the privilege determination unit 146 obtains the user tendency information 168 using the user ID associated with the payment information as a key. By referring to it, the high-frequency payment time zone corresponding to the store where the electronic payment was executed, which is stored in the user tendency information 168, is extracted (S402). Next, the privilege determining unit 146 refers to the store trend information 170 using the store ID related to the payment information as a key, and extracts the maximum average payment amount time period of the store indicated by the store ID (S404).

Next, the privilege determination unit 146 determines whether or not the user's high payment frequency time period and the store's maximum average payment amount time period match (S406). If it is determined that the user's high payment frequency time zone and the store's maximum average payment amount time zone match, the processing of this flowchart ends. On the other hand, if it is determined that the user's high payment frequency time zone and the store's maximum average payment amount time zone do not match, the privilege determining unit 146 refers to the user trend information 168 and determines the store's maximum average payment amount time zone. (S408).

Next, the privilege determination unit 146 determines whether or not the distance between the specified location and the store is within a first threshold value (for example, 1 km) (S410). If it is determined that the distance between the specified location and the store is not within the first threshold (e.g., 1 km), it is assumed that the user is away from the store during the maximum average payment amount time period. This means that even if a user is provided with a coupon whose validity period is set to the maximum average settlement amount time period, it is unlikely that the coupon will be used. In this case, the processing of this flowchart ends. On the other hand, if it is determined that the distance between the specified location and the store is within the first threshold value (for example, 1 km), the privilege determination unit 146 attaches the existing coupon issued by the store to the high payment frequency time It decides to set the obi as the valid period and provide it. The privilege providing unit 148 provides the determined coupon to the user terminal device 10 (S412). This completes the processing of this flowchart.

By the processing of the flowchart of FIG. 14, it is possible to increase the possibility that the user will make an electronic payment of a larger amount at the store while considering the location of the user, and improve the profit of the store.

In the above flowchart, in response to receipt of payment information in step S400, the processing from step S402 to step S412 is executed for the store related to the payment information. However, the present invention is not limited to such a configuration, and the process of step S400 may be omitted. In that case, the privilege control unit 140 periodically or irregularly refers to the user trend information 168, extracts the high-frequency payment time period corresponding to each store, and refers to the store trend information 170 to Extract the maximum average settlement amount time period corresponding to the store. The privilege control unit 140 identifies the location of the user corresponding to the maximum average payment amount time period for the store where the high frequency payment time period and the maximum average payment amount time period do not match, and determines that the distance from the identified location is the first. For stores within the threshold value, the user terminal device 10 is provided with a coupon whose validity period is set to the maximum average settlement amount time period. In that case, the provided coupon will be displayed, for example, on the top page or coupon page of the payment application of the user terminal device 10, or the dedicated page of the store, instead of the payment completion screen.

As another example, the privilege determination unit 146 refers to the user's location for each time period stored in the user trend information 158, exists near the location for each time period, and has more than the user's average settlement amount. A coupon may be provided for a store with a high average payment amount by a plurality of users (that is, a store with a higher unit price per customer than the average payment amount of users).

FIG. 15 is a flow chart showing still another example of the flow in which the privilege control unit 140 autonomously provides coupons. First, the privilege control unit 140 determines whether or not the payment server 100 has received payment information (S500). When it is determined that the payment server 100 has received the payment information, the payment information acquisition unit 142 acquires the payment information, and the privilege determination unit 146 obtains the user tendency information 168 using the user ID associated with the payment information as a key. By referring to it, the location of the user for each time zone corresponding to the settlement time stored in the user trend information 168 is extracted (S502). Next, the privilege determining unit 146 refers to the store trend information 170 of stores located within a second threshold (for example, 1 km) from the location of each time period, and the average settlement amount of the store trend information 170 is set to the user trend information 168. (S504). At this time, the specified store may be narrowed down among the stores belonging to the preference category of the user trend information 168 . Next, the privilege determination unit 146 determines to provide existing coupons issued by the specified store with the above-mentioned time period set as the validity period. The privilege providing unit 148 provides the determined coupon to the user terminal device 10 (S506). This completes the processing of this flowchart.

By the processing of the flowchart of FIG. 15, it is possible to improve the profit of the store by guiding the user to the store where there is a high possibility of electronic payment of a larger amount based on the trend of the user's location.

In the above flowchart, in response to receipt of payment information in step S500, the processing from step S502 to step S506 is executed for the store related to the payment information. However, the present invention is not limited to such a configuration, and the process of step S500 may be omitted. In that case, the privilege control unit 140 periodically or irregularly refers to the user trend information 168, extracts the location for each time period, and By referring to the store trend information 170 of the stores located in the distance, for the store where the average settlement amount of the store trend information 170 is higher than the average settlement amount of the user trend information 168, the coupon set as the validity period is sent to the user terminal device. 10. In that case, the provided coupon will be displayed, for example, on the top page or coupon page of the payment application of the user terminal device 10, or the dedicated page of the store, instead of the payment completion screen.

Furthermore, in the above flowchart, coupons are issued for stores located near the location of the user for each time zone corresponding to the settlement time. However, since the location for each time zone in this case is stored in the user trend information 168, it may differ from the location of the store where the user made the electronic payment (that is, the current location). Therefore, between step S502 and step S504, it is determined whether or not the location for each time period and the current location match. may be executed.

12 to 15 described above, the privilege determining unit 146 sets the valid period to the existing coupon issued by the store, and provides the user terminal device 10 with the valid period. However, the present invention is not limited to such a configuration, and the privilege determination unit 146 may autonomously determine the content of coupons to be issued. In this case, the privilege determining unit 146 may determine the content of the coupon by, for example, averaging the content (for example, discount rate) of a plurality of coupons issued by the store in the past. General contents (for example, the average value of discount rates of member stores in the same category) may be determined as the contents of the coupon. Furthermore, the privilege determining unit 146 sets and provides points that can be used in common with electronic payment services, instead of coupons that can be used at a specific member store (that is, sets a valid period and provides cash back). The processing of the present embodiment may be implemented in the form of

According to the above-described embodiments, the time zone in which the user tends to use the electronic payment service is estimated, and based on the estimated time zone, at the physical store where electronic payment using the electronic payment service is available. To provide benefits that can be used during a predetermined period. As a result, it is possible to effectively provide coupons for improving the profit of stores that sell products.
be able to.

As described above, the mode for carrying out the present invention has been described using the embodiments, but the present invention is not limited to such embodiments at all, and various modifications and replacements can be made without departing from the scope of the present invention. can be added.

10 User terminal device 20 Payment application 50 Store terminal device 60 Store code image 70 Advertiser terminal device 100 Settlement server 110 Communication unit 120 Settlement content providing unit 130 Settlement processing unit 140 Benefit control unit 142 Settlement information acquisition unit 144 Setting reception unit 146 User Trend estimating unit 148 Store trend estimating unit 150 Privilege determining unit 152 Privilege providing unit 160 Storage unit 162 User information 164 Settlement content information 166 Store information 168 User trend information 170 Store trend information

Claims (21)

Users are more likely to use the electronic payment service at the physical store based on the history of payment information including the electronic payment settlement amount and settlement time in the electronic payment service that processes payments related to purchases at the physical store. a user trend estimating unit that estimates a user trend time period, which is a time period;
a benefit providing unit that provides a user terminal device used by the user associated with the payment information with a benefit that can be used at the actual store during a predetermined period;
a store trend estimating unit that estimates a store trend time period, which is a time period in which the payment amount at the actual store is highest, based on the history of payment information of a plurality of users at the actual store;
a benefit determination unit that determines to provide a benefit that can be used during the store trend time period when the user trend time period and the shop trend time period are different;
Information provider. Users tend to use the electronic payment service at the physical store based on the history of payment information including the location of the electronic payment and the settlement time in the electronic payment service that processes payments for purchases made at the physical store. a user trend estimating unit for estimating a high time zone and estimating a tendency of the location of the user for each time zone;
a benefit providing unit that provides a user terminal device used by the user associated with the payment information with a benefit that can be used at the actual store during a predetermined period;
Providing a privilege that can be used at a physical store that is within a second threshold range from the location and has an average payment amount higher than the average payment amount of the user calculated based on the history of the payment information a privilege determination unit that determines,
Information provider. Users tend to use the electronic payment service at the physical store based on the history of payment information including the location of the electronic payment and the settlement time in the electronic payment service that processes payments for purchases made at the physical store. a user trend estimating unit for estimating a high time zone and estimating a tendency of the location of the user for each time zone;
a benefit providing unit that provides a user terminal device used by the user associated with the payment information with a benefit that can be used during a predetermined period different from the estimated time period at the physical store;
a setting reception unit that receives, from a store terminal of the physical store, a setting related to a maximum distance from the physical store to which the privilege is to be provided;
The privilege providing unit provides the privilege to a user terminal device whose location is within a maximum distance from the physical store.
Information provider. The tendency of users to use the electronic payment service at the physical store based on the history of payment information including the electronic payment settlement store and the settlement time in the electronic payment service that processes payments related to purchases at the physical store. a user trend estimation unit that estimates a time period when the is high and estimates the user's preference category from the category associated with the user's payment store;
a benefit providing unit that provides a user terminal device used by the user associated with the payment information with a benefit that can be used during a predetermined period different from the estimated time period at the physical store;
a setting reception unit that receives settings regarding whether or not to provide benefits only to users whose preference category matches the category of the physical store, from the store terminal of the physical store;
When the setting receiving unit receives a setting instructing that a privilege be provided only to a user whose preference category matches the category of the actual store, the privilege providing unit sets the preference category to the category of the actual store. providing said benefits only to user terminals of users matching
Information provider. The tendency of users to use the electronic payment service at the physical store based on the history of payment information including the electronic payment settlement store and the settlement time in the electronic payment service that processes payments related to purchases at the physical store. a user trend estimating unit that estimates a time period when the
a benefit providing unit that provides a user terminal device used by the user associated with the payment information with a benefit that can be used during a predetermined period different from the estimated time period at the physical store;
a setting reception unit that receives settings regarding whether or not to provide a privilege to a user who has made a payment at the actual store in the past from the store terminal of the actual store;
If the setting reception unit receives a setting instructing not to provide a privilege to a user who has made a payment at the physical store in the past, the privilege providing unit may provide a user who has not made a payment at the physical store in the past. providing the privilege only to the user terminal device of
Information provider. Users are more likely to use the electronic payment service at the physical store based on the history of payment information including the electronic payment settlement amount and settlement time in the electronic payment service that processes payments related to purchases at the physical store. a user trend estimating unit that estimates a user trend time period, which is a time period;
a benefit providing unit that provides a user terminal device used by a user associated with the payment information with a benefit that can be used at the physical store during a time period when the average payment amount at the physical store is higher than the user trend time period;
Information provider. The privilege providing unit provides the privilege to the user terminal device by including it in a settlement completion screen of purchase settlement by the user.
The information providing device according to any one of claims 1 to 6. The privilege providing unit provides the privilege to the user terminal device on a dedicated page of a physical store that can use the electronic payment.
The information providing device according to any one of claims 1 to 7. The user trend estimating unit estimates the location trend of the user for each time period based on the history of the payment information,
Even if the time period estimated by the user tendency estimation unit and the time period estimated by the store tendency estimation unit are different, the privilege determination unit determines whether the time period estimated by the store tendency estimation unit If the location in the time period and the location of the physical store are separated by a first threshold or more, the time period estimated by the store trend estimation unit is not determined as the predetermined period,
The information providing device according to claim 1. the computer
Users are more likely to use the electronic payment service at the physical store based on the history of payment information including the electronic payment settlement amount and settlement time in the electronic payment service that processes payments related to purchases at the physical store. estimating the user trend time period, which is the time period;
Providing a user terminal device used by the user related to the payment information with a privilege that can be used at the physical store during a predetermined period;
estimating a store trend time period, which is a time period in which the settlement amount at the physical store is the highest, based on the history of payment information of a plurality of users at the physical store;
If the user trend time period and the store trend time period are different, determining to provide a privilege that can be used during the store trend time period;
How to provide information. to the computer,
Users are more likely to use the electronic payment service at the physical store based on the history of payment information including the electronic payment settlement amount and settlement time in the electronic payment service that processes payments related to purchases at the physical store. Estimate a user trend time zone, which is a time zone,
causing the user terminal device used by the user related to the payment information to provide a privilege that can be used during a predetermined period at the physical store;
estimating a store trend time zone, which is a time zone in which the payment amount at the physical store is the highest, based on the history of payment information of a plurality of users at the physical store;
If the user trend time period and the store trend time period are different, determining to provide a privilege that can be used during the store trend time period;
program . the computer
Users tend to use the electronic payment service at the physical store based on the history of payment information including the location of the electronic payment and the settlement time in the electronic payment service that processes payments for purchases made at the physical store. estimating the high time zone and estimating the tendency of the user's location for each time zone,
Providing a user terminal device used by the user related to the payment information with a privilege that can be used at the physical store during a predetermined period;
Providing a privilege that can be used at a physical store that is within a second threshold range from the location and has an average payment amount higher than the average payment amount of the user calculated based on the history of the payment information decide,
How to provide information. to the computer,
Users tend to use the electronic payment service at the physical store based on the history of payment information including the location of the electronic payment and the settlement time in the electronic payment service that processes payments for purchases made at the physical store. Estimate the high time zone and estimate the trend of the user's location for each time zone,
causing the user terminal device used by the user related to the payment information to provide a privilege that can be used during a predetermined period at the physical store;
Providing a privilege that can be used at a physical store that is within a second threshold range from the location and has an average payment amount higher than the average payment amount of the user calculated based on the history of the payment information to decide,
program. the computer
Users tend to use the electronic payment service at the physical store based on the history of payment information including the location of the electronic payment and the settlement time in the electronic payment service that processes payments for purchases made at the physical store. estimating the high time zone and estimating the tendency of the user's location for each time zone,
providing a user terminal device used by the user associated with the payment information with a privilege that can be used during a predetermined period different from the estimated time period at the physical store;
Receiving, from a store terminal of the physical store, a setting regarding a maximum distance from the physical store to which the privilege is to be provided;
Providing the privilege to a user terminal device whose location is within the maximum distance from the physical store;
How to provide information. to the computer,
Users tend to use the electronic payment service at the physical store based on the history of payment information including the location of the electronic payment and the settlement time in the electronic payment service that processes payments for purchases made at the physical store. Estimate the high time zone and estimate the trend of the user's location for each time zone,
causing the user terminal device used by the user associated with the payment information to provide a benefit that can be used during a predetermined period different from the estimated time period at the physical store;
Allowing the store terminal of the physical store to accept settings related to the maximum distance from the physical store to which the privilege is to be provided;
causing the user terminal device whose location is within the maximum distance from the physical store to provide the privilege;
program. the computer
The tendency of users to use the electronic payment service at the physical store based on the history of payment information including the electronic payment settlement store and the settlement time in the electronic payment service that processes payments related to purchases at the physical store. while estimating the time period when is high, and estimating the user's preference category from the category associated with the user's payment store,
providing a user terminal device used by the user associated with the payment information with a privilege that can be used during a predetermined period different from the estimated time period at the physical store;
Receiving from the store terminal of the actual store whether or not to provide benefits only to users whose preference category matches the category of the actual store;
When receiving a setting instructing that the privilege be provided only to the user whose preference category matches the category of the actual store, the above-mentioned offer benefits,
How to provide information. to the computer,
The tendency of users to use the electronic payment service at the physical store based on the history of payment information including the electronic payment settlement store and the settlement time in the electronic payment service that processes payments related to purchases at the physical store. while estimating the time period when is high, and estimating the user's preference category from the category linked to the user's payment store,
causing the user terminal device used by the user associated with the payment information to provide a benefit that can be used during a predetermined period different from the estimated time period at the physical store;
allowing the store terminal of the physical store to receive a setting regarding whether or not to provide benefits only to users whose preference category matches the category of the actual store;
When receiving a setting instructing that the privilege be provided only to the user whose preference category matches the category of the actual store, the above-mentioned offer perks,
program. the computer
The tendency of users to use the electronic payment service at the physical store based on the history of payment information including the electronic payment settlement store and the settlement time in the electronic payment service that processes payments related to purchases at the physical store. Estimate the time period when is high,
providing a user terminal device used by the user associated with the payment information with a privilege that can be used during a predetermined period different from the estimated time period at the physical store;
Receiving from the store terminal of the physical store whether or not to provide a privilege to a user who has made a payment at the physical store in the past,
When receiving a setting instructing not to provide a privilege to a user who has made a payment at the physical store in the past, the privilege is provided only to a user terminal device of a user who has not made a payment at the physical store in the past. ,
How to provide information. to the computer,
The tendency of users to use the electronic payment service at the physical store based on the history of payment information including the electronic payment settlement store and the settlement time in the electronic payment service that processes payments related to purchases at the physical store. to estimate the time period when is high,
causing the user terminal device used by the user associated with the payment information to provide a benefit that can be used during a predetermined period different from the estimated time period at the physical store;
Allowing the store terminal of the physical store to accept settings regarding whether or not to provide benefits to users who have made payments at the physical store in the past,
When receiving a setting instructing not to provide a privilege to a user who has made a payment at the physical store in the past, the privilege is provided only to the user terminal device of the user who has not made a payment at the physical store in the past. ,
program. the computer
Users are more likely to use the electronic payment service at the physical store based on the history of payment information including the electronic payment settlement amount and settlement time in the electronic payment service that processes payments related to purchases at the physical store. estimating the user trend time period, which is the time period;
Providing a user terminal device used by a user related to the payment information with a privilege that can be used at the physical store during a time period when the average payment amount at the physical store is higher than the user trend time period;
How to provide information. to the computer,
Users are more likely to use the electronic payment service at the physical store based on the history of payment information including the electronic payment settlement amount and settlement time in the electronic payment service that processes payments related to purchases at the physical store. Estimate a user trend time zone, which is a time zone,
causing the user terminal device used by the user related to the payment information to provide a privilege that can be used at the physical store during a time period when the average payment amount at the physical store is higher than the user trend time period;
program.

Images