JP7240186B2 - Information processing device, information processing method and program - Google Patents

Description

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

In recent years, cashless payments using credit cards, electronic money, etc. have become popular. For example, Patent Literature 1 discloses a system for creating a household account book showing the details of a user's balance and expenditure, and an automatic balance list list that creates a household account book including cashless payment balance as well as cash payment balance. A production system and the like are disclosed.

JP 2005-276038 A

However, the invention according to Patent Literature 1 only prepares the details of cashless payment, and does not promote cashless payment.

It aims at providing the information processing apparatus etc. which can promote cashless-izing on one side.

In one aspect, an information processing device includes an acquisition unit that acquires income and expenditure information indicating the expenditure or income of a subject, a determination unit that determines whether or not the income and expenditure information is the expenditure or income due to cashless payment, a cash an aggregating unit that aggregates the amount of the expenditure or income by cashless payment ; The unit determines whether the income and expenditure information is the expenditure or income by cashless payment or the expenditure or income by cash, and the counting unit determines the amount of the expenditure or income by cashless payment, The amount of the expenditure or income in cash is aggregated, and the granting unit grants the benefit according to the breakdown of the amounts of cashless payment and the amount of cash, or time-series changes in the breakdown.

In one aspect, cashlessness can be promoted.

1 is a schematic diagram showing an outline of a first embodiment; FIG. It is a block diagram which shows the structural example of a settlement server. It is explanatory drawing which shows an example of the record layout of member DB, member store DB, and detail DB. It is explanatory drawing regarding the determination processing of a user's cashlessness degree. It is explanatory drawing regarding the determination processing of the cashlessness degree of a member store. 4 is a flow chart showing an example of a processing procedure executed by a settlement server; FIG. 10 is a schematic diagram showing an outline of a second embodiment; FIG. 2 is a block diagram showing a configuration example of a financial server; FIG. It is explanatory drawing which shows an example of the record layout of account DB. FIG. 11 is an explanatory diagram of a cacheless degree determination process according to the second embodiment; 10 is a flow chart showing an example of a processing procedure executed by a financial server; FIG. 11 is a schematic diagram showing an overview of Embodiment 3; 13 is a flow chart showing an example of a processing procedure executed by a settlement server according to Embodiment 3;

Hereinafter, the present invention will be described in detail based on the drawings showing its embodiments.
(Embodiment 1)
FIG. 1 is a schematic diagram showing an overview of Embodiment 1. FIG. In the present embodiment, the amount of cashless payment that accounts for the expenditure or income of the target person is aggregated, and the degree of cashlessness that indicates how much the target person contributes to the transition to cashless based on the aggregated amount of cashless payment The information processing apparatus 1 that determines the degree of cashlessness and gives a privilege according to the determined degree of cashlessness will be described. Specifically, assuming users who are credit card members and member stores that can use credit cards as target users, the information processing device 1 that determines the degree of cashlessness of the users and member stores and provides benefits. explain. The information processing device 1 is connected to a network N such as the Internet.

Note that cashless payment in this specification means electronic payment, and in addition to payment by credit card, payment by debit card, electronic money, virtual currency, or other electronic points is exemplified. Note that these are all examples, and the cashless payment may be any electronic payment means other than cash payment.

The information processing device 1 is an information processing device capable of various types of information processing and transmission/reception of information, and is, for example, a server device, a personal computer, or the like. In the present embodiment, the information processing device 1 is assumed to be a server device, and is replaced with the payment server 1 in the following description for convenience. The settlement server 1 is a server device of a credit card company, and is a management server for managing credit card settlement.

In the present embodiment, the payment server 1 determines the degree of cashlessness by aggregating the amount of cashless payment from the user's credit card usage details. Specifically, as will be described later, the payment server 1 estimates cash payments from credit card usage details, and determines the degree of cashlessness based on the breakdown of the estimated cash payments and credit card payments. The settlement server 1 gives more privileges to users who have used credit cards more frequently and used more, according to the determined degree of cashlessness. As will be described later, for example, the settlement server 1 gives credit card points. This promotes the use of credit cards by users.

In addition, in the present embodiment, the settlement server 1 determines the degree of cashlessness based on usage details not only for users who are credit card members, but also for credit card merchants, and gives benefits. This simultaneously promotes the use of credit cards for member stores.

FIG. 2 is a block diagram showing a configuration example of the settlement server 1. As shown in FIG. The settlement server 1 includes a control section 11 , a main storage section 12 , a communication section 13 and an auxiliary storage section 14 .
The control unit 11 has an arithmetic processing unit such as one or more CPU (Central Processing Unit), MPU (Micro-Processing Unit), GPU (Graphics Processing Unit), etc., and executes the program P1 stored in the auxiliary storage unit 14. Various information processing, control processing, etc. are performed by reading and executing the data. The main storage unit 12 is a temporary storage area such as SRAM (Static Random Access Memory), DRAM (Dynamic Random Access Memory), flash memory, etc., and temporarily stores data necessary for the control unit 11 to perform arithmetic processing. Remember. The communication unit 13 is a communication module for performing processing related to communication, and transmits and receives information to and from the outside.

The auxiliary storage unit 14 is a non-volatile storage area such as a large-capacity memory or hard disk, and stores a program P1 and other data necessary for the control unit 11 to execute processing. The auxiliary storage unit 14 also stores a member DB 141, a member store DB 142, and a statement DB 143. The member DB 141 is a database that stores information on each user who is a credit card member. The member store DB 142 is a database that stores information on each credit card member store. The statement DB 143 is a database that stores credit card usage details of each user.

Incidentally, the auxiliary storage unit 14 may be an external storage device connected to the settlement server 1 . Moreover, the settlement server 1 may be a multicomputer consisting of a plurality of computers, or may be a virtual machine virtually constructed by software.

Moreover, in the present embodiment, the settlement server 1 is not limited to the configuration described above, and may include, for example, an input unit for receiving operation inputs, a display unit for displaying images, and the like. The settlement server 1 also includes a reading unit that reads a portable storage medium m1 such as a CD (Compact Disc)-ROM, a DVD (Digital Versatile Disc)-ROM, etc., and reads and executes the program P1 from the portable storage medium m1. You can do it. Alternatively, the settlement server 1 may read the program P1 from the semiconductor memory m2.

FIG. 3 is an explanatory diagram showing an example of record layouts of the member DB 141, member store DB 142, and detail DB 143. As shown in FIG.
The member DB 141 includes a member ID column, name column, card number column, and member information column. The member ID column stores member IDs for identifying each user who is a credit card member. The name column, card number column, and member information column each store the name, credit card number, and member information of each user in association with the member ID. Member information may include, for example, the user's address, contact information, financial account information, and the like.

The member store DB 142 includes a member store ID column, a name column, and a member store information column. The member store ID column stores the member store ID for identifying each credit card member store. The name column and the member store information column store the member store name and member store information in association with the member store ID, respectively. Merchant information may include, for example, the merchant's address, contact information, financial account information, and the like.

The detail DB 143 includes a detail ID column, a member store ID column, a member ID column, a use date column, an item column, and an amount column. The statement ID column stores statement IDs for identifying individual usage statements of credit cards. The member store ID column, member ID column, usage date column, item column, and amount column are associated with the statement ID, respectively, to display the ID of the member store that used the credit card, the member ID of the user, the date of use, and the item purchased (product or service), and the usage amount.

FIG. 4 is an explanatory diagram of a user's cashless degree determination process. FIG. 4 conceptually illustrates how the degree of cashlessness is determined by distinguishing between cashless payment by credit card and cash payment among the user's expenditures. Based on FIG. 4, the details of processing when determining the user's degree of cashlessness will be described.

The settlement server 1 determines the degree of cashlessness based on the detailed information indicating the usage details of the user's credit card. The upper side of FIG. 4A conceptually illustrates credit card usage details. FIG. 4A shows usage details for a predetermined period (four months in FIG. 4A) for each item (product or service) provided by a member store.

As described above, in the present embodiment, the settlement server 1 (credit card company) determines the user's degree of cashlessness. In this case, the credit card company can grasp the expenditure of the user for the payment by credit card, but it is difficult to grasp the expenditure for the cash payment. Therefore, the settlement server 1 estimates the expenditure by cash settlement from the time-series change of credit card usage details.

In the example of FIG. 4A, for the item "milk", the usage amount is "0 yen" in the usage details for April and May, but the usage amount is "300 yen" in the usage details for June. there is In other words, it is presumed that he used to buy 'milk' with cash before May, but started using his credit card from June. Similarly, by comparing monthly usage details for other items, it can be estimated whether payment is made in cash or cashless.

In this way, the settlement server 1 compares the usage details for each item over a predetermined period, and estimates the amount spent by cash settlement for each item based on the change in the credit card usage amount for each item. The settlement server 1 aggregates the estimated expenditure amounts for all items, and calculates (estimates) the total amount of expenditure due to cash settlement.

In addition, the settlement server 1 aggregates the amounts of all items with respect to the credit card usage amount, and calculates the total amount spent by cashless settlement. Then, the settlement server 1 determines the degree of cashlessness of the user based on the cash settlement amount (total amount) estimated above and the cashless settlement amount. FIG. 4B conceptually illustrates a graph showing the transition between the amount of cash settlement and the amount of cashless settlement. For example, the payment server 1 calculates the total amount by summing the cash payment amount and the cashless payment amount at the latest point in time, and calculates the ratio of the cashless payment amount to the total amount, thereby calculating the degree of cashlessness. (judge.

Alternatively, the payment server 1 may determine the degree of cashlessness based on time-series changes in the amounts of cash payments and cashless payments. For example, the settlement server 1 calculates the rate of increase in cashless settlements and the rate of decrease in cash settlements in that period from the amount of cashless settlements and cash settlements for each month in a predetermined period (for example, half a year) in the past, and calculates The overall degree of cashlessness is determined from the rate of increase and rate of decrease. As a result, for example, as shown in FIG. 4B, when the user's cashless payment amount tends to increase and the cash payment amount tends to decrease, the degree of cashlessness is determined to be high.

In the above description, the degree of cashlessness is determined from the total amount of cash settlement and cashless settlement, but the degree of cashlessness may be determined for each item. Further, for example, in addition to the amount of cashless payment, the frequency of cashless payment (frequency of credit card use) may be used as a criterion for determining the degree of cashlessness. As described above, the payment server 1 only needs to be able to determine the degree of cashless payment from the breakdown of cash payment and cashless payment in the user's expenditure, and the specific determination content is not particularly limited.

The settlement server 1 gives a privilege to the user according to the determined degree of cashlessness. For example, the settlement server 1 gives credit card points as already described. A credit card point is an electronic point given by a credit card company when the credit card is used, and is redeemable for a gift provided by the credit card company, electronic money, or the like. The settlement server 1 promotes the use of cashless settlement by returning more points to users who make more cashless settlements than cash settlements.

Note that the privilege given to the user is not limited to credit card points, and may be, for example, money, goods, or the like.

FIG. 5 is an explanatory diagram relating to determination processing of the degree of cashlessness of member stores. In this embodiment, benefits are given not only to users (members) who use credit cards, but also to member stores that cooperate in promoting the use of credit cards. FIG. 5 conceptually illustrates how the degree of cashlessness is determined based on the breakdown of credit card payments and cash payments in the income (sales) of member stores.

The specific processing contents are the same as in the case of the user, the settlement server 1 estimates the income from cash settlement from the credit card statement information, and determines the degree of cashlessness. First, the settlement server 1 reads the credit card usage details associated with the member store ID from the statement DB 143, and identifies the credit card usage details of each member store. The settlement server 1 aggregates the monthly credit card usage total for each member store. FIG. 5A conceptually illustrates the total usage amount for each member store.

The settlement server 1 estimates the amount of income (sales) from cash settlement at the latest point in time from the time-series change in the total credit card usage amount over a predetermined period. Note that the settlement server 1 may estimate the amount of cash income for each item, as in the case of the user. FIG. 5B conceptually illustrates a graph showing transitions in cash income and credit card usage amounts. The settlement server 1 calculates the degree of cashlessness of the member store based on the breakdown of the cash income amount and credit card usage amount at the latest point in time, or the chronological change in the breakdown of the cash income amount and credit card usage amount during a predetermined period in the past. judge.

The settlement server 1 gives a privilege to the member store according to the determined degree of cashlessness. For example, the settlement server 1 remits an amount of money corresponding to the degree of cashlessness to the member store as a privilege. Note that, as in the case of the user, the privilege for the affiliated store may of course be points or other media. As described above, it is possible to promote not only cashless payment for users but also cashless payment for member stores.

FIG. 6 is a flow chart showing an example of a processing procedure executed by the settlement server 1. As shown in FIG. Based on FIG. 6, the details of processing executed by the settlement server 1 will be described.
The control unit 11 of the settlement server 1 reads, from the statement DB 143, statement information indicating credit card usage details of each user (step S11). The detailed information may include member ID indicating the user who used the credit card, member store ID indicating the member store where the credit card was used, date of use, items, amount of money used, and the like. For example, the control unit 11 reads detailed information for the most recent predetermined period of credit card usage details of each user.

The control unit 11 estimates the expenditure of each user by cash settlement and the income of each member store by cash settlement from the chronological change in credit card usage details (step S12). For example, when estimating the user's cash payment expenditure, the control unit 11 estimates the cash payment expenditure for each item based on time-series changes in the credit card usage history associated with the user's member ID. Further, for example, when estimating the cash payment income of the member store, the control unit 11 estimates the cash payment income from time-series changes in the credit card usage history associated with the member store ID.

The control unit 11 sums up the amount of cashless payment using a credit card and the amount of cash payment estimated in step S12 for each of the user and member store (step S13). Then, the control unit 11 determines the degree of cashlessness of the user and the affiliated store from the breakdown of the aggregated amounts of cashless payment and cash payment (step S14). For example, the control unit 11 may determine the degree of cashlessness based on the current (latest time) breakdown of cashless payment and cash payment amounts. The degree of cashlessness may be determined from the time series change of .

The control unit 11 gives benefits to the user and the affiliated store, respectively, according to the degree of cashlessness determined in step S14 (step S15). For example, the control unit 11 gives benefits in the form of credit card points to users and in the form of money or the like to member stores. The control unit 11 ends the series of processes.

In the above description, both the user and the member store are given the privilege, but the present embodiment is not limited to this, and the privilege may be given only to either the user or the member store. .

In the above description, the degree of cashless payment is determined by distinguishing between cashless payment and cash payment based on the balance of payments of the user and member store. The degree of cashlessness may be determined only from the That is, the settlement server 1 may determine the degree of cashlessness from the amount of credit card usage (amount) or the time-series change in the amount of usage. In this way, the settlement server 1 may at least determine the balance of payments for cashless payments and provide benefits, and it is not essential to determine the balance of payments for cash payments.

As described above, according to the first embodiment, it is possible to promote the use of cashless payment by giving benefits according to the amount of cashless payment or the time series change of the amount of cashless payment.

In addition, according to the first embodiment, it is possible to more appropriately determine the degree of cashlessness by determining the breakdown of cash payment and cashless payment.

In addition, according to the first embodiment, by estimating the balance of cash payments from time-series changes in the usage details of cashless payments (for example, payments by credit card), even if only cashless payment data It is possible to appropriately determine the degree of cashlessness in consideration of cash settlement.

In addition, according to the first embodiment, not only are benefits given to users who use cashless payments, but also benefits are given to affiliated stores that accept cashless payments, so that the use of cashless payments is further enhanced. can be promoted.

(Embodiment 2)
In the present embodiment, a mode of determining the degree of cashlessness based on the details of deposits and withdrawals in a financial account, rather than the details of credit card usage, will be described. In addition, the same code|symbol is attached|subjected about the content which overlaps with Embodiment 1, and description is abbreviate|omitted.
FIG. 7 is a schematic diagram showing an overview of the second embodiment. In this embodiment, instead of the payment server 1 of a credit card company, a financial server 2 that manages the financial accounts of each customer (user and member store) at a financial institution such as a bank determines the degree of cashlessness and gives benefits. do. The financial server 2 is connected to the network N as well as the settlement server 1 .

In the first embodiment, it has been explained that the settlement server 1 (credit card company) estimates the balance of cash settlement from credit card usage details and determines the degree of cashlessness. On the other hand, a financial server 2 (financial institution) that manages the financial accounts of users and affiliated stores handles withdrawals (withdrawals) and deposits (deposits) of cash in financial accounts, and withdrawals (withdrawals) and transfers through cashless payments. (Deposit) is managed as deposit/withdrawal details. Therefore, in the present embodiment, the financial server 2 is the processing entity that determines the degree of cashlessness and provides benefits.

FIG. 8 is a block diagram showing a configuration example of the financial server 2. As shown in FIG. The financial server 2 includes a control section 21 , a main storage section 22 , a communication section 23 and an auxiliary storage section 24 .
The control unit 21 has one or more CPUs, MPUs, or other arithmetic processing units, and reads and executes the program P2 stored in the auxiliary storage unit 24 to perform various information processing, control processing, and the like. The main storage unit 22 is a temporary storage area such as a RAM, and temporarily stores data necessary for the control unit 21 to execute arithmetic processing. The communication unit 23 is a communication module for performing processing related to communication, and transmits and receives information to and from the outside.

The auxiliary storage unit 24 is a non-volatile storage area such as a large-capacity memory or hard disk, and stores a program P2 and other data necessary for the control unit 21 to execute processing. The auxiliary storage unit 24 also stores an account DB 241 . The account DB 241 is a database that stores details of deposits and withdrawals of financial accounts.

Incidentally, the auxiliary storage unit 24 may be an external storage device connected to the financial server 2 . Moreover, the financial server 2 may be a multicomputer consisting of a plurality of computers, or may be a virtual machine virtually constructed by software. Moreover, the financial server 2 may be provided with a reader for reading a portable storage medium m3 such as a CD-ROM, and read and execute the program P2 from the portable storage medium m3. Alternatively, financial server 2 may read program P2 from semiconductor memory m4.

FIG. 9 is an explanatory diagram showing an example of the record layout of the account DB 241. As shown in FIG. The account DB 241 includes an account number column, a name column, a statement ID column, a date column, a type column, a summary column, and a balance column. An account number column, which stores account numbers of financial accounts. The name column, statement ID column, date column, type column, description column, and balance column are each associated with the account number, and the name of the financial account holder (user or business operator), the ID of the deposit/withdrawal details, the deposit/withdrawal date, deposit or withdrawal, summaries, and account balance after deposit/withdrawal.

FIG. 10 is an explanatory diagram of the process of determining the degree of cashlessness according to the second embodiment. FIG. 10 conceptually illustrates the processing contents when determining the degree of cashlessness of a user (individual) who spends. Based on FIG. 10, the details of processing executed by the financial server 2 will be described.

When determining the degree of cashlessness of each user and member store, the financial server 2 reads out the deposit/withdrawal information indicating details of withdrawals or deposits in the financial accounts of each user and member store from the account DB 241, to determine the degree of cashlessness. For example, when determining the degree of cashlessness of a user (individual), the financial server 2 determines the degree of cashlessness from the details of withdrawals from the user's financial account.

FIG. 10A conceptually illustrates the user's withdrawal details by month, and FIG. 10B conceptually illustrates a graph indicating transitions in the amount of withdrawals for cash and cashless payments. The financial server 2 distinguishes between a cash withdrawal (withdrawal) and a cashless payment based on the withdrawal details of the user's financial account. In the example of FIG. 10A, the financial server 2 collects monthly withdrawal amounts according to a predetermined classification (summary) such as various cashless payment methods (using credit cards, electronic money charging, etc.), cash withdrawals at ATMs, etc. is discriminating. The financial server 2 aggregates the withdrawal amounts for each category separately for cash withdrawals (withdrawals) and cashless payment withdrawals. As a result, the financial server 2, as shown in FIG. 10B, determines the breakdown of cash and cashless payment for the withdrawal amount from the user's financial account.

The financial server 2 determines the degree of cashlessness from the withdrawal amounts of cash and cashless payments. For example, the financial server 2 calculates the ratio of the amount of cashless payments to the total amount of withdrawals at the latest point in time as the degree of cashlessness. Alternatively, the financial server 2 may compare monthly withdrawal amounts and calculate the degree of cashlessness based on time-series changes in the withdrawal amounts for cash and cashless payments. Further, for example, the financial server 2 may perform weighting according to the type of cashless payment (type of credit card, electronic money, etc.), and the method of calculating the degree of cashlessness is not particularly limited.

The financial server 2 gives benefits to the user according to the cashlessness determined above. For example, the financial server 2 may award credit card points via the settlement server 1, or may deposit an amount corresponding to the privilege into the user's financial account.

When judging the degree of cashlessness of the member store, the financial server 2 determines whether the payment is cash or cashless based on the details of the payment in the financial account of the member store. For example, the financial server 2 may be a deposit when a person at a member store transfers cash settlement sales at an ATM or the like, or a credit card company, a bank (debit settlement), an electronic money settlement company, a virtual currency settlement agency ( For example, by determining whether the payment is from a settlement agent company such as an exchange), it is determined whether the payment is made in cash or cashless payment from the transferor.

The financial server 2 sums up the amount of cash and cashless payment from the payment details determined above, and determines the degree of cashlessness of the member store. That is, the financial server 2 aggregates the amount of cashless payments made by credit cards, electronic money, etc., and the amount of cash received, and calculates the ratio of the amount of cashless payments to the total amount of money received as the degree of cashlessness. judge. Since withdrawals and deposits are reversed from the case of the user, a detailed description including drawings is omitted.

As described above, it is possible to determine the degree of cashlessness not only from credit card statement information but also from financial account deposit/withdrawal information. That is, based on the income and expenditure information indicating the expenditure or income of the target person, it is sufficient if it is possible to distinguish between cash expenditure or income and cashless payment expenditure or income and determine the degree of cashlessness from the discrimination result. The income and expenditure information that serves as a reference may be any data that indicates the movement (flow) of property value, such as credit card usage details and deposit/withdrawal details of a financial account.

As described above, it is possible to determine the degree of cashlessness from the deposit/withdrawal details in the financial account, and to provide benefits to promote cashlessness. In particular, unlike the first embodiment, there is no need to estimate the cash balance, and determination can be made based on the actual cash balance, so the degree of cashlessness can be evaluated more appropriately than the first embodiment.

FIG. 11 is a flow chart showing an example of a processing procedure executed by the financial server 2. As shown in FIG.
The control unit 21 of the financial server 2 reads from the account DB 241 the deposit/withdrawal information indicating the withdrawal or deposit in the financial account for the financial account of each user and member store (step S201). Based on the deposit/withdrawal information, the control unit 21 distinguishes between cash withdrawal/receipt and cashless payment/receipt (step S202). Specifically, the control unit 21 distinguishes between withdrawals of cash and cashless payments for users (individuals) and deposits of cash and cashless payments for affiliated stores (enterprises).

The control unit 21 sums up the cash withdrawal or deposit amount determined in step S202 and the cash withdrawal or deposit amount determined in step S203 (step S203). Then, the control unit 21 determines the degree of cashlessness of each of the user and the affiliated store according to the breakdown of the summed amounts of cashless payment and cash (step S204). Specifically, the control unit 21 determines the degree of cashlessness based on the withdrawal amount for the user and the deposit amount for the member store. The control unit 21 gives benefits to the user and the affiliated store according to the determined degree of cashlessness (step S205), and ends the series of processes.

In the present embodiment, for convenience of explanation, the degree of cashlessness is determined only from the deposit/withdrawal information of the financial account. good too. By combining detailed credit card information, detailed analysis is performed not only on which cashless payment method (credit card) was used, but also on which purpose (item) the payment was made, and the degree of cashlessness is determined. can do. That is, the income and expenditure information indicating the subject's expenditure or income can include both detailed information and deposit/withdrawal information. In this case, the processing entity that executes the series of processing may be the settlement server 1 (credit card company) or the financial server 2 (financial institution).

In addition, when the user and the member store use multiple financial institutions, for example, the financial server 2 (or the settlement server 1) acquires the deposit/withdrawal details from other financial institutions used by the user and the member store. to determine the degree of cashlessness. This makes it possible to determine a more accurate degree of cashlessness for each user and affiliated store.

As described above, according to the second embodiment, the degree of cashlessness can be evaluated more appropriately by using the deposit/withdrawal details in the financial account.

(Embodiment 3)
In the present embodiment, a form in which administrative agencies such as the national government and local governments provide resources to promote cashless payment will be described.
FIG. 12 is a schematic diagram showing an overview of the third embodiment. In the present embodiment, the payment server 1 does not provide administrative agencies with aggregated data that statistically summarizes the breakdown of cash payments and cashless payments for all users and member stores. is requested from the administrative agency, and benefits are given to each user and affiliated store using the expenses paid by the administrative agency as resources.

In the first embodiment, it has been explained that the payment server 1 determines the breakdown of cash payment and cashless payment for each user's expenditure and each member store's income. In this embodiment, the payment server 1 totals the breakdown of cash payments and cashless payments in a predetermined unit for all users and member stores' expenditures or incomes, and transmits the totaled results to administrative agencies.

For example, the settlement server 1 provides tabulation items according to individual member stores, regions where member stores are located, or items (products) purchased by users at member stores. Aggregate the amount of income and expenditure due to cashless payment. In other words, the payment server 1 generates a statistical report of cashless payment, showing which member store, which region, which item, and at what percentage cashless payment is used. The settlement server 1 transmits the tallied result to the administrative agency and reports the progress of cashless payment.

Instead of providing the aggregated result to the administrative agency, the settlement server 1 requests the administrative agency to pay a fee equivalent to the privilege given to the user and member store. The settlement server 1 grants privileges to each user and affiliated store using the expenses paid by the administrative agency as a source of funds.

For example, the settlement server 1, as shown in FIG. 12, sets the degree of contribution to cashless payment for each user and member store (and credit card company). The payment server 1, according to the set degree of contribution, gives the expenses paid by the administrative agency as a privilege to the users who made the payment by cashless payment, and the member stores who accepted the cashless payment. Allocated to and allocated to Note that the contribution may be a fixed value, or may be a variable value that varies according to the degree of cashlessness of individual users and affiliated stores.

When granting benefits to individual users, the settlement server 1 distributes and grants the benefits from the expenses distributed to the users according to the degree of cashlessness of each user. In addition, when granting benefits to individual member stores, the settlement server 1 distributes and grants benefits from the expenses distributed to the member stores according to the degree of cashlessness of each member store.

FIG. 13 is a flow chart showing an example of a processing procedure executed by the settlement server 1 according to the third embodiment.
After determining the degree of cashlessness of each user and member store (step S14), the control unit 11 of the settlement server 1 executes the following process. The control unit 11 totals the breakdown of cash payments and cashless payments for all user expenditures and member store revenues in predetermined units such as member stores, regions, and items, and transmits the tally results to administrative agencies. (Step S301). The control unit 11 requests the user and the affiliated store to pay the cost for giving the identification (step S302).

The control unit 11 determines the privilege distribution to be distributed to the user and the member store, using the expenses requested to be paid to the administrative agency in step S302 as the source of funds according to the degree of cashlessness of each user and the member store (step S303). The control unit 11 gives a privilege to each of the user and the member store according to the determined distribution (step S304), and ends the series of processes.

As described above, according to the third embodiment, promotion of cashless payment can be promoted more appropriately.

In addition, according to the third embodiment, by providing statistical data showing the breakdown of cash payments and cashless payments, it is possible to determine, for example, which member store, region, item, etc. should be invested intensively. can provide reference materials for promoting

The embodiments disclosed this time are illustrative in all respects and should not be considered restrictive. The scope of the present invention is indicated by the scope of the claims rather than the above-described meaning, and is intended to include all modifications within the scope and meaning equivalent to the scope of the claims.

1 Payment server (information processing device)
11 Control Unit 12 Main Storage Unit 13 Communication Unit 14 Auxiliary Storage Unit P1 Program 141 Member DB
142 Merchant DB
143 Detail DB
2 Financial server (information processing device)
21 control unit 22 main storage unit 23 communication unit 24 auxiliary storage unit P2 program 241 account DB

Claims (8)

an acquisition unit that acquires income and expenditure information indicating the expenditure or income of the target person;
A determination unit that determines whether the income and expenditure information is the expenditure or income due to cashless payment;
a tallying unit that tallies the amount of the expenditure or income by cashless payment;
a granting unit that grants a privilege to the target person according to the aggregated amount of cashless payment or a time-series change in the amount ,
The determination unit determines whether the income and expenditure information is the expenditure or income by cashless payment or the expenditure or income by cash,
The aggregation unit aggregates the amount of the expenditure or income by cashless payment and the amount of the expenditure or income by cash,
The granting unit grants the privilege according to a breakdown of cashless payment and cash amounts, or a time-series change in the breakdown.
An information processing device characterized by: an acquisition unit that acquires income and expenditure information indicating the expenditure or income of the target person;
A determination unit that determines whether the income and expenditure information is the expenditure or income due to cashless payment;
a tallying unit that tallies the amount of the expenditure or income by cashless payment;
a granting unit that grants a benefit to the target person according to the aggregated amount of cashless payment or a time-series change in the amount;
with
The determination unit determines whether the income and expenditure information is the expenditure or income by cashless payment or the expenditure or income by cash,
The aggregation unit aggregates the amount of the expenditure or income by cashless payment and the amount of the expenditure or income by cash,
The granting unit grants the privilege according to a breakdown of cashless payment and cash amounts, or a time-series change in the breakdown,
The income and expenditure information includes detailed information indicating usage details of cashless payment,
The determination unit estimates the expenditure or income due to cash settlement based on time-series changes in the usage details over a predetermined period.
An information processing device characterized by: an acquisition unit that acquires income and expenditure information indicating the expenditure or income of the target person;
A determination unit that determines whether the income and expenditure information is the expenditure or income due to cashless payment;
a tallying unit that tallies the amount of the expenditure or income by cashless payment;
a granting unit that grants a benefit to the target person according to the aggregated amount of cashless payment or a time-series change in the amount;
with
The determination unit determines whether the income and expenditure information is the expenditure or income by cashless payment or the expenditure or income by cash,
The aggregation unit aggregates the amount of the expenditure or income by cashless payment and the amount of the expenditure or income by cash,
The granting unit grants the privilege according to a breakdown of cashless payment and cash amounts, or a time-series change in the breakdown,
The income and expenditure information includes detailed information indicating usage details of cashless payment,
The determination unit estimates the expenditure or income due to cash settlement based on time-series changes in the usage details over a predetermined period,
The target person is a member store that can use cashless payment,
The acquisition unit acquires the detailed information corresponding to the member store,
The determination unit estimates the income from cash settlement at the member store based on the time-series change in the usage details at the member store.
An information processing device characterized by: an acquisition unit that acquires income and expenditure information indicating the expenditure or income of the target person;
A determination unit that determines whether the income and expenditure information is the expenditure or income due to cashless payment;
a tallying unit that tallies the amount of the expenditure or income by cashless payment;
a granting unit that grants a benefit to the target person according to the aggregated amount of cashless payment or a time-series change in the amount;
with
The income and expenditure information includes deposit and withdrawal information indicating withdrawal or deposit in the financial account of the subject,
The determination unit determines whether or not the deposit/withdrawal information is the withdrawal or deposit by cashless payment.
An information processing device characterized by: an acquisition unit that acquires income and expenditure information indicating the expenditure or income of the target person;
A determination unit that determines whether the income and expenditure information is the expenditure or income due to cashless payment;
a tallying unit that tallies the amount of the expenditure or income by cashless payment;
a granting unit that grants a privilege to the target person according to the aggregated cashless payment amount or a time-series change in the amount;
A requesting department that requests administrative agencies to pay expenses equivalent to the benefits
with
The aggregation unit aggregates cashless payment amounts for each of the plurality of target persons,
The granting unit distributes and grants the privilege to each of the target persons from the cost according to the cashless payment amount of each of the plurality of target persons or a time-series change in the amount.
An information processing device characterized by: an acquisition unit that acquires income and expenditure information indicating the expenditure or income of the target person;
A determination unit that determines whether the income and expenditure information is the expenditure or income due to cashless payment;
a tallying unit that tallies the amount of the expenditure or income by cashless payment;
a granting unit that grants a benefit to the target person according to the aggregated amount of cashless payment or a time-series change in the amount;
with
The discrimination unit discriminates the expenditure or income by cashless payment for each of the plurality of subjects,
The aggregation unit aggregates the cashless payment amounts of all the target persons in a predetermined unit,
Equipped with an output unit that outputs the aggregated results
An information processing device characterized by: Acquire income and expenditure information indicating the target person's expenditure or income,
Determining whether the income and expenditure information is the expenditure or income by cashless payment,
Aggregate the amount of said expenditure or income by cashless payment,
An information processing method for causing a computer to execute a process of giving a privilege to the target person according to the aggregated amount of cashless payment or a time-series change in the amount,
Determining whether the income and expenditure information is the expenditure or income by cashless payment or the expenditure or income by cash,
Aggregating the amount of said expenditure or income by cashless payment and the amount of said expenditure or income by cash,
The benefits are granted according to the breakdown of cashless payment and cash amounts, or time-series changes in the breakdown.
An information processing method characterized by causing a computer to execute processing . Acquire income and expenditure information indicating the target person's expenditure or income,
Determining whether the income and expenditure information is the expenditure or income by cashless payment,
Aggregate the amount of said expenditure or income by cashless payment,
A program that causes a computer to execute a process of granting a privilege to the target person according to the aggregated cashless payment amount or the time-series change in the amount,
Determining whether the income and expenditure information is the expenditure or income by cashless payment or the expenditure or income by cash,
Aggregating the amount of said expenditure or income by cashless payment and the amount of said expenditure or income by cash,
The benefits are granted according to the breakdown of cashless payment and cash amounts, or time-series changes in the breakdown.
A program characterized by causing a computer to execute processing .

Images