JP7252159B2 - Information processing system, information processing method, and computer program - Google Patents

Description

The present disclosure relates to information processing systems and methods.

A system that records purchases of customers and gives valuable points to customers according to the purchases is already known (see Patent Document 1, for example). Vending machines are also known that have a short-range wireless communication function such as Bluetooth (registered trademark) for communication with a user's mobile terminal.

An exemplary beverage vending machine communicates with a user's mobile device at the time of sale to record the user's purchases in a customer relationship system (eg, a CRM system). By installing a specific application program on the mobile terminal, the user can receive rewards for purchasing products from the vending machine through the application program. Examples of remuneration include a free coupon issued when the purchase amount satisfies a predetermined condition.

Japanese Patent Application Laid-Open No. 2008-102808

However, in the prior art, product purchases are reflected in the purchase amount only when the user purchases the product from a vending machine equipped with a short-range wireless communication function. That is, in the conventional technology, it is not possible to capture in detail the product purchases made at various locations by users participating in the reward program and to reflect the purchases in the reward program. In many cases, it is inconvenient for companies that deal in goods or services to not be able to grasp details of commercial transactions, not just reward programs.

Therefore, according to one aspect of the present disclosure, it is desirable to provide a technique that enables a detailed understanding of a user's commercial transactions.

An information processing system according to one aspect of the present disclosure includes a payment data acquisition unit, a transaction data acquisition unit, and an extraction unit. The payment data acquisition unit is configured to acquire payment data including a record of payment using the payment method from the payment operator system based on the identification information of the payment method used in the user's commercial transaction stored in the storage device. be done.

The transaction data acquisition unit is configured to acquire transaction data including records of transactions relating to specific goods or services, which are specific transaction targets, from one or more trading operator systems.

Based on the payment data acquired by the payment data acquisition unit, the extraction unit extracts transaction records related to a specific transaction target using the payment method of the user as a record of the noted transaction from among the transaction data acquired by the transaction data acquisition unit. configured to extract the

According to one aspect of the present disclosure, it is possible to extract, from the transaction data, transaction records relating to the user's specific transaction object, using the user's payment method as a mark, as described above.

In recent years, electronic payment means such as credit cards and electronic money have become popular. Therefore, by extracting the above-mentioned transaction records using the payment method as a mark, it is possible to capture a wide range of transactions regarding specific goods or services of the user performed at various times and places.

Therefore, according to one aspect of the present disclosure, it is possible to grasp in detail commercial transactions related to specific goods or services by users, and to provide technology that can utilize the grasped information for sales activities such as sales promotion of specific goods or services. can do.

By the way, for each payment, a separate authorization code may be issued by the corresponding payment provider. Thus, according to one aspect of the present disclosure, a transaction record may include a corresponding authorization code for the transaction. A transaction record may include an authorization code for the payment that occurred in the corresponding transaction. Therefore, the extraction unit may be configured to extract the record of the transaction of interest based on the authorization code included in the payment data and transaction data.

According to one aspect of the present disclosure, the record of the payment may include the authorization code of the corresponding payment and the time at which the corresponding payment was made. The transaction record may include information about the authorization code for the payment that occurred in the corresponding transaction and the time at which the corresponding transaction occurred. In this case, the extraction unit may extract the record of the noted transaction based on the information on the approval code and time included in the payment data and transaction data. The same approval code may be issued for multiple payments with different payment times. Therefore, based on the authorization code and time information, it is possible to accurately identify the relationship between payment and transaction.

According to one aspect of the present disclosure, a transaction record may include an authorization code for the corresponding transaction as well as information on when and where the corresponding transaction was made. Transaction records may include the authorization code for the payment that occurred in the corresponding transaction and the time and place information at which the corresponding transaction took place. In this case, the extraction unit may extract the record of the noted transaction based on the information on the approval code, time, and location included in the payment data and transaction data.

According to one aspect of the present disclosure, a transaction record may include information on when and where the corresponding transaction was made. A transaction record may include information about when and where the corresponding transaction occurred. Accordingly, the extraction unit may be configured to extract the record of the transaction of interest based on the time and location information included in the payment data and transaction data.

According to one aspect of the present disclosure, a record of a payment may include information on when and where the corresponding payment was made and the amount of the payment. Transaction records may include information on when and where the corresponding transaction took place and the amount of the transaction. Therefore, the extraction unit is configured to extract the record of the noted transaction based on the information on the time and place and the payment amount included in the payment data and the information on the time and place and the transaction amount included in the transaction data. may be

According to one aspect of the present disclosure, the storage device stores identification information of a first specific product or service as a first transaction target, and identification information of a second specific product or service as a second transaction target. and may be stored. A transaction record may include the identification of the corresponding transaction object.

In this case, based on the identification information of the first transaction object and the identification information of the second transaction object, the extraction unit extracts the transaction data acquired by the transaction data acquisition unit as a record of the transaction of interest from the user's payment method may be configured to extract transaction records for the first transaction object and transaction records for the second transaction object using .

According to one aspect of the present disclosure, the information processing system may include a processing execution unit that executes processing based on the record of the transaction of interest extracted by the extraction unit. The processing execution unit may be configured to output data regarding the transaction behavior of the user's specific transaction target based on the record of the noted transaction extracted by the extraction unit.

According to one aspect of the present disclosure, the processing execution unit, based on the record of the transaction of interest extracted by the extraction unit, adds to the customer management system of the company that provides the specific product or service the It may be configured to update customer management data.

According to one aspect of the present disclosure, the processing execution unit outputs data related to the transaction behavior of the first transaction target of the user to the first output destination based on the record of the noted transaction extracted by the extraction unit, and the user may be configured to output the data on the trading behavior of the second transaction target to a second output destination different from the first output destination.

According to one aspect of the present disclosure, the first output destination may be the customer management system of the first company that provides the first specific goods or services. A second output destination may be a customer management system of a second company that provides a second specific product or service.

According to one aspect of the present disclosure, the processing execution unit is a customer management system of a first company that provides a first specific product or service based on the transaction record regarding the first transaction target extracted by the extraction unit. In addition, the customer management data of the user managed by the customer management system may be updated.

The processing execution part is managed by the customer management system of the second company that provides the second specific goods or services based on the transaction records related to the second transaction object extracted by the extraction part. It may be configured to update the user's customer management data.

According to one aspect of the present disclosure, the storage device stores identification information of a first payment method as identification information of a payment method used in a user's commercial transaction, and a second payment method different from the first payment method. An identification of the means may be stored.

The payment data acquisition unit acquires first payment data including records of payments using the first payment method from the first payment operator system, and includes records of payments using the second payment method. The second payment data may be configured to be obtained from a second payment operator system different from the first payment operator system.

Based on the first and second payment data, the extraction unit extracts, from among the transaction data acquired by the transaction data acquisition unit, specific transactions using the user's first and second payment methods as records of noted transactions. It may be configured to extract records of transactions relating to the subject.

According to one aspect of the present disclosure, the storage device may store identification information of payment means for each user with respect to a plurality of users. Based on the payment data acquired by the payment data acquisition unit, the extraction unit may generate, for each user, a reference table summarizing records of payments made using the corresponding user's payment means. For each user, the extracting unit extracts, from the transaction data, records of transactions relating to a specific transaction target using the payment method of the corresponding user, as records of noted transactions, based on the reference table of the corresponding user. may be configured to

According to one aspect of the present disclosure, the storage device may store the identification information of the first payment method and the identification information of the second payment method for each user. The extracting unit, based on the first payment data and the second payment data acquired by the payment data acquiring unit, for each user, collects a record of payment using the corresponding user's first payment method and a second payment. A lookup table may be generated that summarizes the records of payments made using the instrument. For each user, based on the corresponding user's reference table, the extracting unit extracts, from the transaction data, transactions related to specific transaction targets using the corresponding user's first and second payment means as a record of noted transactions. may be configured to extract records of Transaction records can be efficiently retrieved by using the lookup table.

According to one aspect of the present disclosure, an information processing system includes a registration unit that registers, in a storage device, identification information of one or more payment means used for commercial transactions of a corresponding user in accordance with a registration request from a user terminal device. may be The extraction unit may be configured to extract transaction records based on the registered identification information of the one or more payment methods for each user whose identification information of the one or more payment methods is registered. By registering the identification information of the payment method in accordance with the registration request, it is possible to obtain the consent of the user at least indirectly and extract transaction records, which is beneficial from the viewpoint of personal information protection.

According to one aspect of the present disclosure, a transaction data acquisition unit configured to acquire transaction data including records of transactions relating to goods or services from one or more business operator systems; Based on the stored identification information of the payment method used in the corresponding user's commercial transaction, payment data including records of payments using the payment method of each of the plurality of users is acquired from the payment service provider system. a payment data acquisition unit configured in the above, and for each of a plurality of transactions identified from the transaction data acquired by the transaction data acquisition unit, a user who performed the corresponding transaction is identified by the corresponding transaction record and the payment data acquisition unit and a determining unit configured to determine based on the acquired payment data.

According to this information processing system, it is possible to identify parties to a transaction that cannot be identified only by the transaction record, by utilizing the settlement record. Therefore, the user's commercial transactions can be grasped in detail.

According to one aspect of the present disclosure, for each of a plurality of users, the storage device may store the customer ID of the corresponding user in association with the identification information of the payment means. The determination unit may be configured to determine, for each of the plurality of transactions, the customer ID of the user who performed the corresponding transaction.

According to one aspect of the present disclosure, the information processing system further provides explanation data explaining the correspondence between each of the plurality of transactions and the customer ID of the user who performed the corresponding transaction, according to the determination result of the determination unit. A descriptive data generator configured to generate the descriptive data may be included. According to one aspect of the present disclosure, the customer ID may be an ID used for customer identification at the merchant.

According to one aspect of the present disclosure, the descriptive data generator may be configured to generate, for each transactor corresponding to the source of acquisition of the transaction data, descriptive data for the corresponding transactor. The explanation data for the corresponding trader may be data describing, for each trade of the corresponding trader, the relationship between the corresponding trade and the customer ID of the user who performed the corresponding trade.

According to one aspect of the present disclosure, in the transaction data, the plurality of transactions include a first type transaction in which the customer ID of the corresponding transactor is recorded and a transaction in which the customer ID of the corresponding transactor is not recorded. second type transactions; and In this case, the determination unit is configured to associate the customer ID of the person conducting the transaction with the identification information of the corresponding user's payment means and register it in the storage device based on the record of the transaction relating to the type 1 transaction. good too.

According to one aspect of the present disclosure, a computer program may be provided for causing a computer to at least partially execute the functions of the information processing system described above. According to one aspect of the present disclosure, a computer program may be provided for causing a computer to execute functions as a payment data acquisition unit, a transaction data acquisition unit, and an extraction unit included in an information processing system. According to one aspect of the present disclosure, a computer program may be provided for causing a computer to execute functions as a payment data acquisition unit, a transaction data acquisition unit, and a determination unit included in an information processing system. The computer program may be recorded on a computer-readable, non-transitory recording medium.

According to one aspect of the present disclosure, an information processing method corresponding to the information processing system described above may be provided. The information processing method may be performed by a computer.

According to one aspect of the present disclosure, an information processing method stores payment data including a record of payment using a payment method based on identification information of a payment method used in a commercial transaction of a user stored in a storage device. Acquisition from a system, Acquisition of transaction data including records of transactions relating to specific goods or services that are the subject of specific transactions from one or more business operator systems, Transactions acquired based on the acquired settlement data extracting from the data a record of transactions relating to a particular transaction object using the user's payment instrument.

According to one aspect of the present disclosure, an information processing method includes obtaining transaction data including records of transactions relating to goods or services from one or more trading operator systems; Acquisition of payment data, including records of payments made using the respective payment methods of a plurality of users, from the payment service provider system based on the identification information of the payment methods used in the commercial transactions of the corresponding users; For each of the plurality of transactions identified from the transaction data, determining the user who performed the corresponding transaction based on the record of the corresponding transaction and the obtained payment data.

1 is a block diagram representing the configuration of a system according to an exemplary embodiment of the present disclosure; FIG. FIG. 2A is a diagram showing the configuration of payment data, and FIG. 2B is a diagram showing the configuration of receipt data. It is a figure explaining operation|movement of a service provision system. It is a figure explaining the effect of a service provision system. FIG. 5A is a diagram explaining a group of databases that the service providing system has, and FIG. 5B is a diagram showing the configuration of customer data that the customer database has. 4 is a flowchart showing payment data acquisition processing executed by a processor of the service providing system; FIG. 7A is a diagram showing the configuration of an intermediate payment table, and FIG. 7B is a diagram showing the configuration of an intermediate purchase table. 4 is a flowchart showing receipt data acquisition processing executed by a processor of the service providing system; 4 is a flow chart showing matching extraction processing executed by a processor of the service providing system; It is a figure explaining the effect|action with respect to a customer management system of a service provision system. FIG. 11A is a diagram for explaining a group of databases possessed by the service providing system of the second embodiment, and FIG. 11B is a diagram showing the configuration of customer data possessed by the customer database of the second embodiment. 9 is a flow chart showing matching extraction processing of the second embodiment. It is a figure showing the structure of the customer data of 3rd embodiment. 4 is a flowchart showing table update processing executed by a processor of the service providing system; 10 is a flowchart (part 1) showing analysis processing executed by a processor of the service providing system; 10 is a flowchart (part 2) showing analysis processing; 17A is a diagram showing the configuration of a matching table, and FIG. 17B is a diagram showing the configuration of analysis report data for distributors.

Exemplary embodiments of the present disclosure are described below with reference to the drawings.
[First embodiment]
In the first embodiment of the present disclosure shown in FIG. 1, the service providing system 10 is configured to provide information on purchase of corresponding brand products to each customer management system 30 provided for each brand. A brand here is a company brand or a product brand. Examples of the customer management system 30 include a CRM (Customer Relationship Management) system. In the following, customers are also expressed as users.

The service providing system 10 is configured as a system including one or more server devices. A service providing system 10 represented simply in FIG.

Processor 11 is configured to perform processing according to a computer program. The memory 13 stores computer programs. Examples of memory 13 include ROM, RAM, and NVRAM (such as flash memory). The communication interface 15 is configured to communicate with an external device through the wide area network NT. The storage device 17 stores various databases. Details of the configuration and operation of the service providing system 10 will be described later.

Each brand customer management system 30 communicating with the service providing system 10 includes a management device 31 and a storage device 33 . The storage device 33 stores a customer management database 35 of corresponding brands. The customer management database 35 includes customer management data D35 for each user of the corresponding brand. Each customer management data D35 has the user ID of the corresponding user, the purchase history information of the corresponding brand product, and the reward information (see FIG. 10).

Companies corresponding to each brand provide reward programs for collecting information on purchasing behavior and promoting sales of corresponding brand products. The company manages the purchase histories of the users participating in the reward program in the customer management database 35, and rewards the users according to the purchase results of corresponding brand products. The reward information is information about reward given to the corresponding user. Examples of rewards include valuable points and merchandise discount coupons.

The management device 31 of the customer management system 30 has a processor 311 and a memory 313 . The management device 31 further includes a communication interface (not shown) and is configured to be able to communicate with external devices through the wide area network NT.

In management device 31 , processing related to management of customer management database 35 is executed by processor 311 executing processing according to a computer program stored in memory 313 . Management includes updating the customer management database 35 .

In order to update the customer management database 35, the service providing system 10 is configured to communicate with a settlement company system 50 for each settlement company and a distribution company system 70 for each distribution company.

As shown in FIG. 1 , each settlement operator system 50 includes a management device 51 and a storage device 53 . The storage device 53 stores a settlement database 55 . The payment database 55 stores payment data D55 for each payment using a payment method issued by a corresponding payment business operator.

As shown in FIG. 2A, the payment data D55 includes a payment approval number, a payment method ID, payment store information, payment date and time information, and payment amount information as corresponding payment records. The payment authorization number is an identification code for each payment used to identify each of a plurality of payments. The settlement method ID is an identification code of the settlement method.

Examples of payment means here include cashless payment means other than cash. A cashless payment instrument may be understood as an electronic payment instrument. Examples of payment methods include credit cards, debit cards, and electronic money, and examples of payment method IDs include credit card numbers, debit card numbers, and electronic money numbers.

The settlement store information included in the settlement data D55 is information indicating the place where the settlement was made, particularly the store. The settlement date and time information is information describing the settlement date and time in at least seconds, and settlement amount information. is information indicating the settlement amount.

Management device 51 includes processor 511 and memory 513 . The management device 51 further includes a communication interface (not shown) and is configured to be able to communicate with external devices through the wide area network NT.

In management device 51 , processing related to management of payment database 55 is executed by processor 511 executing processing according to a computer program stored in memory 513 . The processing performed by management device 51 described below may be understood to be performed by processor 511 .

When the management device 51 receives from an external device an approval request message for payment using the payment means issued by the corresponding payment business operator, the management device 51 determines whether to approve the payment. When the management device 51 determines to approve the payment, the management device 51 transmits a message indicating approval of the payment together with the payment approval number to the approval requester. This settlement approval number is an individual approval code issued for a settlement approved by the settlement company, as described above.

When receiving the completion message regarding the approved payment, the management device 51 registers the payment data D55 of the corresponding payment in the payment database 55 based on the information acquired through communication with the message sender, for example.

Furthermore, the management device 51 is configured to read the payment data D55 from the payment database 55 and transmit it to the service providing system 10 in response to a request from the service providing system 10 .

Each distributor system 70 includes a management device 71 and a storage device 73 . The storage device 73 stores a sales database 75 . The sales database 75 stores the receipt data D75 for each commercial transaction between the distributor and the consumer, specifically for each payment received from the consumer associated with the transaction.

The receipt data D75 is digital data corresponding to the receipt issued to the consumer from the POS (Point Of Sale) terminal 79 of the distributor when the commercial transaction (buying and selling) is completed. Receipt data D75 may be understood to be journal data describing sales generated by a commercial transaction.

As shown in FIG. 2B, the receipt data D75 includes a receipt number, transaction store information, transaction date and time information, transaction amount information, and transaction detail information as corresponding transaction records. The receipt number is a unique identification code for each receipt. The transaction store information is information indicating the place where the transaction was made, particularly the store. The transaction date and time information is information that describes the transaction date and time in detail at least to the second. The transaction amount information is information indicating the transaction amount in the corresponding transaction, in other words, the merchandise sales amount.

The transaction detail information includes, for each product purchased by the consumer in the corresponding transaction, the product code, product name, number of products purchased, unit price of product, and total purchase amount of product (i.e. unit price x number of products purchased). indicates A product code is an identification code of a product, and is represented by, for example, a JAN (Japanese Article Number) code.

The receipt data D75 further includes information for non-consumers that is not shown on the receipt provided to the consumer, such as the type and identification code (payment method ID) of the payment method used for payment, and the payment operator system 50 You may have payment details, including a payment authorization number from, for billing the payment provider, for example.

The management device 71 has a processor 711 and a memory 713 . The management device 71 further includes a communication interface (not shown) and is configured to be able to communicate with external devices through the wide area network NT.

In management device 71 , processing related to management of sales database 75 is executed by processor 711 executing processing according to a computer program stored in memory 713 . The processing performed by management device 71 described below may be understood to be performed by processor 711 .

The management device 71 registers the receipt data D75 corresponding to the receipt issued by the POS terminal 79 in the sales database 75 based on the information from the POS terminal 79 . The management device 71 is further configured to read the receipt data D75 from the sales database 75 and transmit it to the service providing system 10 in response to a request from the service providing system 10 .

Next, a brief description of the operation of the service providing system 10 of this embodiment will be given before describing the details. As mentioned above, each brand offers a rewards program. A user who participates in this reward program can register the type of payment method and the payment method ID together with his/her own user ID in the service providing system 10 as payment method information describing the payment method used by the user. In the following, the registered payment method is also referred to as registered payment method.

For example, the user can register the payment method information through an application program for customers of each brand installed in his or her user terminal device 90 (smartphone or the like). The user terminal device 90 can accept an input operation of payment method information and an instruction to register payment method information from a user through a user interface such as a touch panel. When the registration instruction is input, the user terminal device 90 transmits the user ID and brand information managed by the customer application program and the input payment method information to the service providing system 10 together with the registration request. be able to.

Processor 11 of service providing system 10 functions as registration unit 11A shown in FIG. 3 by executing processing according to a computer program. The registration unit 11A is configured to register the payment method information received together with the registration request from the user terminal device 90 (details will be described later).

The service providing system 10 acquires the corresponding user's payment data D55 from the corresponding payment operator system 50, as shown in FIG. 3, based on the registered payment method information. The service providing system 10 further acquires the receipt data D75 from the distribution business system 70 of one or more distribution event parties.

The service providing system 10 compares the acquired payment data D55 with the receipt data D75 to detect purchase of the corresponding brand product by the user using the registered payment method. The service providing system 10 provides the detected purchase-related information to the customer management system 30 of the corresponding brand.

By providing such information, the customer management system 30 can capture in detail the purchase of the corresponding branded product by the user using the registered payment method, record the purchase history, and provide the user with an appropriate reward. can.

The user accesses the customer management system 30 through the customer application program installed on his or her own user terminal device 90, checks the purchase history of corresponding branded products, receives rewards (valuable points, electronic coupons, etc.), and so on. can do. Such reward offerings help promote the corresponding branded merchandise.

According to an exemplary conventional reward program, a user carries a user terminal device 90 in which an application program of a specific company brand is installed, and purchases a beverage of a specific company brand through a specific vending machine 95. can receive rewards. A specific vending machine 95 is, for example, a vending machine 95 capable of short-range wireless communication (eg, Bluetooth communication).

According to this conventional rewards program, the user can only receive rewards when purchasing beverages at specific vending machines 95, such as old vending machines, convenience stores, and supermarkets without short-range wireless communication capabilities. You can't receive rewards for purchasing beverages in .

This is because, as shown in FIG. 4, the cooperative operation of the vending machine 95, the user terminal device 90, and the customer management system 30 of the corresponding brand enables the user's purchase to be made at a specific vending machine 95. is supplemented and the user's customer management data D35 is updated, but the customer management data D35 is not updated for other purchases.

According to this embodiment, the service providing system 10 detects the purchase of the corresponding branded product using the user's registered payment means other than the specific vending machine 95, and provides the customer with information that can update the customer management data D35. provided to the management system 30;

Therefore, according to the present embodiment, it is possible to update the customer management data D35 according to the user's purchase of the corresponding branded product at various locations, and to provide the user with a convenient reward program. Companies can collect users' purchasing behavior in detail through reward programs.

Next, the detailed configuration and operation of the service providing system 10 will be described. The service providing system 10 of the present embodiment has a customer database 21 for each brand and a product database 25 for each brand, as shown in FIG. It is provided in the storage device 17 .

The customer database 21 of each brand includes customer data D21 for each user who participates in the reward program of the corresponding brand. The customer data D21 includes, as shown in FIG. 5B, the user ID of the corresponding user and payment method registration data.

The payment method registration data has information on the corresponding payment method type and payment method ID as corresponding payment method information for each of one or more payment methods used by the user when purchasing the corresponding brand product. The information on the type of payment method may be understood as information necessary to acquire the payment data D55 of the corresponding payment method from the corresponding payment business operator system 50, and may be understood as identification information of the payment business operator. good too. Examples of types of settlement means include A company credit card and B company electronic money.

Information on the type of each payment method and the payment method ID included in the payment method registration data is registered by the registration unit 11A according to the registration request from the user terminal device 90 . Upon receiving the registration request from the user terminal device 90, the registration unit 11A adds the corresponding payment method to the customer data D21 of the corresponding user and brand based on the user ID and brand information and the payment method information received together. type and payment method ID are additionally registered.

The product database 25 for each brand is a list of products of the corresponding brand whose purchases should be captured. The product database 25 has records of product codes and product names for each product. In the following, products registered in the product database 25 are also referred to as registered products.

The processor 11 of the service providing system 10 refers to the customer database 21 of the corresponding brand for each brand, and repeatedly executes the payment data acquisition process shown in FIG. to obtain the payment data D55.

When the process shown in FIG. 6 is started, the processor 11 selects a settlement company to be inquired from among a plurality of pre-registered settlement companies (S110). Further, a group of payment method IDs of payment methods issued by the selected payment business operator and registered in the customer database 21 of the corresponding brand is discriminated (S120).

After that, the processor 11 transmits an inquiry signal listing a group of determined payment method IDs to the payment operator system 50 of the selected payment operator via the communication interface 15 (S130). The processor 11 receives a response signal to this inquiry signal from the settlement operator system 50 of the inquiry destination via the communication interface 15 (S140).

Upon receipt of the response signal, the processor 11 acquires the unacquired payment data D55 corresponding to the listed payment method IDs from the payment operator system 50 (S140). The payment data D55 corresponding to each of the acquired payment method IDs indicates the record of payment by the payment method to which the corresponding payment method ID is assigned.

After the processing in S140, the processor 11 generates an intermediate settlement table shown in FIG. 7A for each user of the corresponding brand, more specifically, for each user ID (S150). The generated interim settlement table for each user is stored in the memory 13 in association with the corresponding user ID for matching with the receipt data D75.

The payment intermediate table has a record for each payment made by the corresponding user. Each record has information on the payment method type and payment method ID used in the corresponding payment, information on the payment store, payment date and time, and payment amount, and detailed payment information. These pieces of information are based on the information held by the payment data D55.

The processor 11 repeatedly executes the payment data acquisition processing shown in FIG. Generate an intermediate table. The generation can be realized by deleting old records older than a predetermined period from the previously generated settlement intermediate table and adding records based on the acquired new settlement data D55.

As described above, the payment data acquisition process is executed for each brand. The payment data acquisition process for each brand is repeatedly executed while changing the payment operator selected in S110. As a result, in the present embodiment, for each brand, an intermediate payment table is generated for each user of the corresponding brand, which is a mixture of records related to payments using one or more payment methods registered by the user. be done.

In addition, the processor 11 repeatedly executes receipt data acquisition processing shown in FIG. 8 as processing common to multiple brands. When the receipt data acquisition process is started, the processor 11 selects a distribution company to which data is requested from among a plurality of distribution companies registered in advance (S210). After that, the processor 11 transmits a data request signal to the distributor system 70 of the selected distributor via the communication interface 15 (S220).

The processor 11 receives a response signal to this data request signal from the distributor system 70 to which the data is requested via the communication interface 15 (S220). Upon receiving the response signal, the processor 11 acquires the unacquired receipt data D75 from the distributor system 70 (S220).

After the data acquisition in S220, the processor 11 generates the purchase intermediate table shown in FIG. 7B for each brand (S230-S260). The generated purchase intermediate table is stored in the memory 13 .

At S230, processor 11 selects one of the multiple brands. In S240, the processor 11 refers to the product database 25 of the selected brand to determine the product code of each registered product of the selected brand.

At S250, the processor 11 extracts the transaction record of the registered product of the selected brand from each of the receipt data D75 acquired at S220. That is, each product code determined in S240 is searched in the transaction detail information, and when the corresponding product code is detected, the main information of the transaction record related to the detected product code is the product code, product name, and the number of purchases are extracted from the detailed transaction information, and furthermore, as sub-information, information on the store, transaction date and time, and transaction amount are extracted from the receipt data D75.

As a result, the processor 11 extracts the transaction record including the product code, product name, number of purchases, transaction store, transaction date and time, and transaction amount from the receipt data D75. The transaction details may include purchase information for multiple registered products of the selected brand. In this case, the transaction record for each registered product included in the detailed transaction information is extracted.

At S260, the processor 11 generates a purchase intermediate table for the selected brand. The purchase intermediate table has a record for each transaction record. Each record includes information on the product code, product name, and number of products purchased in the corresponding transaction, as well as information on the transaction store, transaction date and time, and transaction amount.

If the receipt data D75 including part or all of the detailed payment information can be obtained from the distributor system 70, the processor 11 extracts part or all of the detailed payment information from the receipt data D75 when extracting the transaction record. You may In this case, part or all of the detailed payment information may be added to the record of the purchase intermediate table.

The processor 11 repeatedly executes the processing of S240 to S260 described above while changing the selected brand until all brands are selected. Thereby, the processor 11 generates an intermediate purchasing table for each brand. As can be understood from the above description, the purchase intermediate table is generated based on all transaction records regarding registered products of the corresponding brand without user identification.

When processor 11 determines that intermediate purchase tables have been generated for all brands (Yes at S270), processor 11 terminates the receipt data acquisition process. By executing the receipt data acquisition process shown in FIG. 8, the processor 11 generates an intermediate purchase table for each brand.

In addition, the generation of the purchase intermediate table for each brand is realized by adding a record based on the acquired new receipt data D75 to the previously generated purchase intermediate table for the corresponding brand.

The receipt data acquisition process described above is repeatedly executed while changing the distributor selected in S210. One purchasing intermediate table for each brand is prepared in common for a plurality of distributors. That is, records based on transaction records of a plurality of distributors are added to the purchase intermediate table for each brand in the process of repeatedly executing the receipt data acquisition process. As a result, in this embodiment, an intermediate purchase table is generated for each brand based on transaction records of a plurality of distributors.

Each record in the purchase intermediate table is deleted from the purchase intermediate table when matching with all records in the settlement intermediate table of all users of the corresponding brand is completed. Collation is realized by the collation extraction process shown in FIG. Matching extraction processing is executed for each brand. That is, the processor 11 refers to the intermediate payment table of each user of the corresponding brand for each brand, and repeatedly executes the matching extraction process shown in FIG. Generates and outputs information necessary for updating

When the matching extraction process is started, the processor 11 refers to the customer database 21 of the corresponding brand and selects one of the registered users as a process target (S310). That is, one of the users whose user ID is registered in the customer database 21 is selected as a processing target.

After that, the processor 11 refers to the intermediate payment table of the user to be processed associated with the user ID of the user to be processed (S320), and selects one of the records in the intermediate payment table (S330).

Further, the processor 11 searches the purchase intermediate table of the corresponding brand for the record of the registered product purchased by the payment corresponding to the selected record (hereinafter referred to as payment-related record) (S340). The search at S340 is implemented according to the example described below.

As described above, each record in the settlement intermediate table includes information on the settlement store, settlement date and time, and settlement amount. Each record of the purchase intermediate table includes information on transaction store, transaction date and time, and transaction amount.

According to the first example, the processor 11 searches the purchase intermediate table for a record in which the combination of transaction store and transaction date and time is the same as the combination of settlement store and settlement date and time indicated by the selected record in S330. Search for the above payment-related records.

According to the second example, the processor 11 selects a record in which the combination of transaction store, transaction date and time, and transaction amount is the same as the combination of settlement store, settlement date, and settlement amount indicated by the selected record in S330. Search within a table.

An embodiment in which information on the type of payment method and payment method ID is included as detailed payment information in the record of the purchase intermediate table is also conceivable. Therefore, as a third example, the processor 11 determines that the combination of transaction date/time, payment method type, and payment method ID is the same as the combination of payment date/time, payment method type, and payment method ID indicated by the selected record in S330. The above payment-related records may be retrieved by retrieving a record in the purchase intermediate table. The type of payment method may not be used for searching.

An embodiment may also be considered in which both the record of the intermediate payment table and the record of the intermediate purchase table contain the payment approval number as detailed payment information. Therefore, as a fourth example, the processor 11 retrieves the payment-related records by searching the purchase intermediate table for a record whose payment approval number is the same as the payment approval number indicated by the record selected in S330. good too.

In addition, since the same settlement approval number may be issued for a plurality of settlements with different settlement dates, the above settlement-related records may be searched as follows. That is, as a fifth example, the processor 11 searches the purchase intermediate table for a record whose combination of settlement approval number and transaction date and time is the same as the combination of settlement approval number and settlement date and time indicated by the record selected in S330. may retrieve the above payment-related records. According to this search method, even if the same payment approval number is reused for different payments, the payment-related records can be correctly searched in the purchase intermediate table.

In addition, as a sixth example, the processor 11 selects a record in which the combination of settlement approval number, transaction date and time, and transaction store is the same as the combination of settlement approval number, settlement date and time, and settlement store indicated by the selected record in S330. The payment-related records may be retrieved by searching in the purchase intermediate table.

As a seventh example, the processor 11 determines that the combination of the settlement approval number, transaction date and time, transaction store, and transaction amount is the same as the combination of settlement approval number, settlement date and time, settlement store, and transaction amount indicated by the selected record in S330. The above payment-related records may be retrieved by retrieving a record in the purchase intermediate table. According to this search method, even if the same payment approval number is reused for different payments, the payment-related records can be searched more correctly in the purchase intermediate table.

In S340, it is possible to search for payment-related records based on various information that can be collated without being limited to the above example. In general, the greater the amount of information to be collated, the lower the possibility of erroneous searches.

If a payment-related record is found in the intermediate purchase table of the corresponding brand by the search in S340 (Yes in S350), the processor 11 proceeds to S360 and extracts the found payment-related record from the intermediate purchase table. do. At this time, the processor 11 can delete the extracted payment-related record from the intermediate purchase table without leaving it in the intermediate purchase table.

After completing the process of S360, the processor 11 determines whether or not the process of S340 has been executed for all the records existing in the intermediate settlement table of the user to be processed. If it is determined that all records have not been processed (No in S370), the processor 11 proceeds to S330, changes the selected record, and executes the processing of S340.

By repeatedly executing such processing, the processor 11 extracts payment-related records corresponding to each record existing in the intermediate payment table of the user to be processed from the intermediate purchase table of the corresponding brand.

When it is determined that the processing of S340 has been executed for all records (Yes in S370), the processor 11 shifts to S380, and based on the payment-related records extracted in S360, the customer management data of the brand corresponding to the user to be processed. Update data for updating D35 is generated. Then, the generated update data is transmitted to the customer management system 30 of the corresponding brand as shown in FIG.

The update data may be data summarizing one or more payment-related records extracted in S360. The update data may be understood as data for causing the corresponding customer management system 30 to update the user's customer management data D35, or may be understood as data relating to the user's purchasing behavior of the corresponding branded product.

The update data can include the user ID of the user to be processed, as well as the product code, product name, and number of products purchased by the user. The update data may have information on the number of purchases for each product for each purchase date. The customer management system 30 can update the corresponding user's customer management data D35 based on the update data received from the service providing system 10 (S380).

According to the service providing system 10 of the present embodiment described above, it is possible to capture the user's purchasing behavior in detail through the settlement means, and use it for reward programs and sales promotions. For companies, it is possible to collect detailed information on user's purchasing behavior.

In particular, according to the above embodiment, it is possible to handle payment means of a plurality of payment business operators. Furthermore, settlements by these multiple settlement means can be collated with transaction data (receipt data D75) of multiple distributors. Being able to capture payments for multiple types of payment means and to capture product purchases based on those payments across multiple distributors is useful for capturing more detailed purchasing behavior. This helps in providing convenient reward programs to users.

According to the above embodiment, individual user IDs are given to consumers for each brand. However, a user ID common to multiple brands may be prepared. That is, a user ID common to multiple brands may be assigned to one user who participates in each reward program of multiple brands.

[Second embodiment]
Next, a second embodiment of the present disclosure will be described with reference to FIGS. 11A, 11B, and 12. FIG. In the second embodiment, a user ID common to multiple brands is assigned to each individual. The service providing system 10 of the second embodiment is a modified example of the first embodiment described above. Therefore, the configuration of the second embodiment that is different from the first embodiment will be selectively described below, and the description of the configuration that is the same as the first embodiment will be omitted.

As shown in FIG. 11A, the service providing system 10 of the second embodiment includes a customer database 22 common to multiple brands in the storage device 17 instead of the customer database 21 for each brand. The customer database 22 includes customer data D22 for each user participating in at least one reward program of multiple brands.

The customer data D22 has a user ID and payment method registration data, as well as a registered brand list, as shown in FIG. 11B, like the customer data D21 described above. The registered brand list is a list of brands for which the corresponding user participates in the reward program and the user's customer management data D35 is registered in the customer management system 30. FIG.

In the second embodiment, the processor 11 refers to the customer database 22 common to multiple brands and executes the payment data acquisition process shown in FIG. At this time, the payment data acquisition process is not executed for each brand. The processor 11 repeatedly executes the payment data acquisition process while switching the payment business operators to be contacted, and generates an intermediate payment table common to multiple brands for each user. In addition, the processor 11 repeatedly executes the receipt data acquisition process shown in FIG. 8 in the same manner as in the above-described embodiment, and generates an intermediate purchase table for each brand.

In the second embodiment, the processor 11 executes the matching extraction process shown in FIG. 12 as common processing for multiple brands instead of executing the matching extraction process shown in FIG. 9 for each brand. In the matching extraction process shown in FIG. 12, the same processes as in the above embodiment are executed in the steps with the same step numbers as in the matching extraction process shown in FIG.

When the matching extraction process shown in FIG. 12 is started, the processor 11 selects the processing target user in S310, and selects one or more brands registered in the processing target user's registered brand list as the processing target brand. Select (S315). After that, the processor 11 refers to the intermediate payment table of the user to be processed and the intermediate purchasing table of the brand to be processed (S320), and stores the payment-related records corresponding to each record in the intermediate payment table of the user to be processed. search in the purchase intermediate table and extract from the purchase intermediate table (S330-S370).

When the search for the corresponding payment-related records in the purchase intermediate table of the target brand is completed for all the records in the intermediate payment table of the user to be processed (Yes at S370), the processor 11 proceeds to S380.

At S380, the processor 11 generates update data for updating the customer management data D35 of the user to be processed based on the payment-related record extracted at S360, and sends the generated update data to the customer management data of the brand to be processed. Send to system 30 .

Processor 11 executes the processing of S320-S380 for each of the one or more brands registered in the registered brand list while switching the processing target brand in S315, and after executing the processing for all brands (Yes in S390), collation End the extraction process.

The processor 11 updates the customer management data D35 of each user and each brand by repeatedly executing the collation extraction process shown in FIG. 12 while switching the user to be processed in S310.

The functions of the customer management system 30 may be incorporated into the service providing system 10, especially when user IDs are integrated for multiple brands as in the second embodiment. That is, the service providing system 10 may be configured to have the customer management database 35 of each brand and function as the customer management system 30 of each brand.

In this case, the processor 11 can execute processing for updating the customer management data D35 in the customer management database 35 stored in the storage device 17 instead of transmitting the update data to the outside in S380.

According to the second embodiment, the operating company of the service providing system 10 can provide each brand company with an integrated service including the operation of the customer management system. Customer-oriented application programs for users can be provided to users through companies that support each brand as a white label.

As another example, the service providing system 10 may be built for a single brand. The service providing system 10 may be constructed for each brand. The service providing system 10 by brand may be integrated with the customer management system 30 of the corresponding brand.

In addition, in the above-described first and second embodiments, the distributor system 70 provides the service providing system 10 with the receipt data D75 including transaction records other than registered products. However, the distributor system 70 may provide the service providing system 10 only with transaction records relating to registered products of each brand. That is, data similar to the purchase intermediate table for each brand may be provided from the distributor system 70 to the service providing system 10 .

In the above embodiment, the payment operator system 50 and the distribution operator system 70 passively provide the payment data D55 and the receipt data D75 to the service provision system 10 in response to inquiries and requests from the service provision system 10 .

However, the settlement operator system 50 may be configured to actively transmit new settlement data D55 to the service providing system 10 each time new settlement data D55 is generated.

The service providing system 10 can provide information on each user's payment method ID to each payment operator system 50 in advance. Each payment operator system 50 provides new payment data D55 as a service each time new payment data D55 relating to payment using the corresponding payment method is generated, based on the information of each user's payment method ID provided in advance. It can be sent to the providing system 10 .

In addition, the distributor system 70 may be configured to actively transmit new receipt data D75 to the service providing system 10 each time new receipt data D75 is generated.

Each time new receipt data D75 is generated, the distributor system 70 refers to the detailed transaction information of the new receipt data D75 to determine whether or not there is a transaction of the registered product. The transaction record of the registered product extracted from the data D75 or the new receipt data D75 may be transmitted to the service providing system 10. FIG. The distributor system 70 can store the product database 25 of each brand in the storage device 73 in order to determine whether or not the registered product is traded.

The effect obtained by the service providing system 10 described above increases as the number of participating distributors increases. Therefore, in order to encourage the participation of the distributor system 70, the service providing system 10 may be configured to provide services for the distributor using the settlement data D55.

[Third embodiment]
The service providing system 10 of the third embodiment is configured to provide the aforementioned services for distributors. The service providing system 10 of the third embodiment is configured by adding a configuration for providing services for distribution companies to the service providing system 10 of the second embodiment. In the following, configurations of the third embodiment that are different from those of the second embodiment will be selectively described, and descriptions of configurations that are the same as those of the first and second embodiments will be omitted.

In the service providing system 10 of the third embodiment, the customer database 22 in the storage device 17 has customer data D23 shown in FIG. 13 for each user instead of the customer data D22 of the second embodiment. Each of the customer data D23 has a customer ID list in addition to the same data as the customer data D22.

The customer ID list is a list of customer IDs given to corresponding users by the distributor. This customer ID is distinguished from the user ID described above. A customer ID is issued to a user, for example, when the user participates in a reward program provided by a distributor.

A customer ID is recorded, for example, in a membership card issued by a distributor. Examples of membership cards include point cards that are used to accumulate valuable points. A digital membership card may be issued to the user terminal device 90 instead of a paper membership card. The customer ID is presented by the user to the distributor when the corresponding user purchases a product from the distributor by, for example, presenting a membership card.

When one user participates in reward programs of multiple distributors, the customer ID list is recorded with customer IDs assigned to the user by each of the multiple distributors. The customer ID is registered in the customer ID list in association with the information of the corresponding distributor.

As described above, in the customer data D23 of the third embodiment, the information of the customer ID is associated with the corresponding user's payment means ID. The services for distribution companies described above are provided using the association information between the payment method IDs and the customer IDs contained in the customer data D23.

As in the second embodiment, the processor 11 of the service providing system 10 executes the payment data acquisition process shown in FIG. 6 and creates an intermediate payment table for each user ID (S150). Furthermore, the service providing system 10 stores an analysis table for each distributor in the storage device 17 . The processor 11 updates the analysis table for each distributor stored in the storage device 17 by repeatedly executing the table updating process shown in FIG.

In the process shown in FIG. 14, processor 11 selects a distribution company to which data is requested (S410). Thereafter, processor 11 transmits a data request signal to distribution company system 70 of the selected distribution company via communication interface 15, and acquires unobtained receipt data D85 from distribution company system 70 (S420). ).

The processor 11 additionally registers the receipt data D85 obtained in S420 as one record in the analysis table of the selected distributor (S430). Processor 11 thus updates the analysis table.

The receipt data D85 is receipt data that each distributor system 70 has in place of the receipt data D75 of the first and second embodiments. This receipt data D85 has a configuration in which customer ID information presented by a consumer who is a party to the transaction in the corresponding transaction is added to the receipt data D75.

However, the customer ID is not always presented by the consumer for each transaction. If the consumer does not have a customer ID, there are cases where the consumer forgets to present the customer ID. The receipt data D85 corresponding to such transactions does not have customer ID information, and is substantially the same data as the receipt data D75 of the first and second embodiments. The processing of S410 and S420 for acquiring the receipt data D85 is substantially the same as the processing of S210 and S220, and can be shared.

By repeatedly executing the processing shown in FIG. 14 by the processor 11, the corresponding distribution company's receipt data D85 is accumulated in the analysis table of each distribution company stored in the storage device 17. FIG. Only the receipt data D85 for the most recent predetermined period can be accumulated in the analysis table for each distributor.

Further, the processor 11 executes the analysis processing shown in FIGS. 15 and 16 every predetermined period to update the matching table DM for each distributor. The matching table DM is a table for explaining the correspondence relationship between the receipt number of the receipt data D85 and the customer ID of the user who performed the corresponding transaction.

When starting the process shown in FIG. 15, the processor 11 selects one distributor (S510). Then, the analysis table of the selected distributor is referred to, and one record to be processed is selected from the analysis table (S520). As described above, one record corresponds to one receipt data D85.

After that, the processor 11 searches the payment intermediate table for a payment record related to the record to be processed (S530). This payment record is also referred to as a receipt-related record below. That is, the receipt-related record is a record that describes the settlement made in the transaction corresponding to the record to be processed. In S530, it is possible to search for receipt-related records corresponding to the record to be processed by sequentially referring to the interim payment table for each user.

A method for retrieving receipt-related records is the same as the method for retrieving payment-related records in the first embodiment. That is, the processor 11 processes one or more of transaction date, transaction store, transaction amount, and settlement approval number included in the record to be processed, and settlement date and settlement included in each record of the settlement intermediate table. Receipt-related records can be retrieved based on identity with one or more of store, payment amount, and payment authorization number.

If a receipt-related record is found in any of the intermediate payment tables for each user through the above search (Yes in S540), the processor 11 selects the user corresponding to the intermediate payment table in which the receipt-related record was found as the processing target. (S550).

Further, the processor 11 refers to the customer data D23 of the user determined in S550, and determines the customer ID issued by the corresponding distributor of this user as the customer ID corresponding to the record to be processed (S560). . The "corresponding distributor" here is the distributor corresponding to the record to be processed, which is the distributor selected in S510.

If the customer ID can be determined in S560 (Yes in S570), the processor 11 proceeds to S620. On the other hand, if the customer ID could not be determined in S560 (No in S570), the processor 11 determines whether information on the customer ID exists in the record to be processed (S580). If it is determined that the customer ID information exists (Yes in S580), the processor 11 determines that the customer ID described in the record to be processed is the customer ID of the transactor corresponding to the record to be processed ( S590). After that, the process proceeds to S600.

At S600, the processor 11 registers the customer ID determined at S590 in the customer ID list of the corresponding user's customer data D23 in association with the distributor information. After that, the process proceeds to S620. In addition, when the processor 11 determines that the customer ID information does not exist in S580, it determines that the customer ID is unknown (S610). After that, the process proceeds to S620.

In S620, the processor 11 creates a record that associates the receipt number indicated by the record to be processed and the customer ID determined in S560 or S590 with the corresponding user ID and payment method ID, as shown in FIG. 17A. Register in the matching table DM of the distribution company that When determining in S610 that the customer ID of the corresponding user is unknown, the processor 11 registers a record indicating that the customer ID is unknown in the matching table DM. Accordingly, the matching table DM is updated (S620).

In addition, if the customer ID determined in S560 does not match the customer ID information of the record to be processed, the processor 11 trusts the information of the customer ID of the record to be processed, and A record in which the corresponding receipt number is associated with the corresponding user ID and payment method ID can be registered in the matching table DM. Further, the processor 11 can perform processing for correcting customer IDs registered in the corresponding user's customer ID list.

When the processing in S620 is completed, or when no receipt-related record corresponding to the record to be processed is found (No in S540), the processor 11 proceeds to S630.

In S630, the processor 11 determines whether or not all records in the analysis table have been selected for processing. If a negative determination is made in S630, the processor 11 proceeds to S520, selects one new record to be processed from the analysis table, switches the record to be processed, and executes the processes after S530.

If an affirmative determination is made in S630, the processor 11 removes the user ID and payment method ID information from each record registered in the matching table DM of the distributor selected in S510, and creates a table as shown in FIG. 17B. Then, analysis report data D9 for the corresponding distributor is created, and the created analysis report data D9 is output (S640).

The output of the analysis report data D9 can be realized by transmitting the analysis report data D9 to the distributor system 70 of the corresponding distributor. The management device 71 of the distributor system 70 can operate to update each receipt data D85 in the sales database 75 based on the received analysis report data D9. The receipt data D85 can be updated by adding the customer ID information to the receipt data D85 lacking the customer ID information based on the analysis report data D9.

After completing the processing in S640, the processor 11 determines whether or not the analysis report data D9 has been generated and output for all distributors (S650). If a negative determination is made in S650, the processor 11 proceeds to S510, selects the next distributor, and executes the processing from S520. In addition, when the processor 11 makes an affirmative determination in S650, it terminates the analysis processing shown in FIG.

According to the service providing system 10 of the third embodiment described above, the distributor can obtain the information of the missing customer ID in the receipt data D85 in return for providing the receipt data D85. Therefore, in the third embodiment, the distributor can grasp the customer's purchasing behavior in detail based on the sales database 75 supplemented with customer ID information. Therefore, according to the third embodiment, it is possible to support the business activities of distributors.

Additionally, the service for distributors in the third embodiment can be provided independently of the service for updating the customer management database 35 in the first and second embodiments. That is, the service providing system 10 of the third embodiment may be replaced with a system having only the configuration necessary for providing the services for distribution companies described above.

[others]
It goes without saying that the present disclosure is not limited to the above embodiments and can take various forms. The technology of the present disclosure may be applied to a service handling system. For example, the technology of the present disclosure may be utilized to extract transaction records regarding services.

A function possessed by one component in the above embodiment may be distributed to a plurality of components. Functions possessed by multiple components may be integrated into one component. A part of the configuration of the above embodiment may be omitted. At least part of the configurations of the above embodiments may be added or replaced with respect to the configurations of other above embodiments. All aspects included in the technical ideas specified by the language in the claims are embodiments of the present disclosure.

DESCRIPTION OF SYMBOLS 10... Service provision system 11... Processor 11A... Registration part 13... Memory 15... Communication interface 17... Storage device 21, 22... Customer database 25... Product database 30... Customer management system 31... Management Apparatus 33 Storage device 35 Customer management database 50 Settlement company system 51 Management device 53 Storage device 55 Settlement database 70 Distributor system 71 Management device 73 Storage Apparatus 75 Sales database 90 User terminal device D21, D22, D23 Customer data D35 Customer management data D55 Payment data D75, D85 Receipt data D9 Analysis report data DM Matching table , NT... wide area network.

Claims (24)

A payment data acquisition unit configured to acquire payment data including a record of payment using said payment method from a payment operator system based on identification information of a payment method used in a commercial transaction of a user stored in a storage device. and,
a transaction data acquisition unit configured to acquire, from one or more transaction business operator systems, transaction data including records of transactions relating to specific goods or services that are specific transaction targets;
Based on the payment data acquired by the payment data acquisition unit, the transaction data acquired by the transaction data acquisition unit is related to the specific transaction object using the payment method of the user as a record of a noted transaction. an extractor configured to extract records of transactions ;
Based on the record of the transaction of interest extracted by the extraction unit, data for updating the customer management data of the user managed by the customer management system of the company that provides the specific goods or services. , a processing execution unit configured to transmit so that the customer management system can identify the user;
with
each of said payments is issued a separate authorization code by the corresponding payment provider;
the payment record includes at least a corresponding payment approval code;
the record of the transaction includes at least an authorization code for the payment that occurred in the corresponding transaction;
The information processing system , wherein the extraction unit extracts the record of the noted transaction based on the approval code included in the payment data and the transaction data . The payment record further includes information on the time when the corresponding payment was made;
the transaction record further includes information about the time at which the corresponding transaction occurred;
The extraction unit extracts the record of the noted transaction based on the information on the approval code and the time included in the payment data and the transaction data.
The information processing system according to claim 1. the record of the payment further includes information on where the corresponding payment was made;
the transaction record further includes information about where the corresponding transaction occurred;
3. The information processing system according to claim 2, wherein the extraction unit extracts the record of the noted transaction based on information on the approval code, the time, and the location included in the payment data and the transaction data. A payment data acquisition unit configured to acquire payment data including a record of payment using said payment method from a payment operator system based on identification information of a payment method used in a commercial transaction of a user stored in a storage device. and,
a transaction data acquisition unit configured to acquire, from one or more transaction business operator systems, transaction data including records of transactions relating to specific goods or services that are specific transaction targets;
Based on the payment data acquired by the payment data acquisition unit, the transaction data acquired by the transaction data acquisition unit is related to the specific transaction object using the payment method of the user as a record of a noted transaction. an extractor configured to extract records of transactions;
Based on the record of the transaction of interest extracted by the extraction unit, data for updating the customer management data of the user managed by the customer management system of the company that provides the specific goods or services. , a processing execution unit configured to transmit so that the customer management system can identify the user;
with
the record of the payment includes at least information on when and where the corresponding payment was made;
the transaction record includes at least information about when and where the corresponding transaction occurred;
The information processing system, wherein the extraction unit extracts the record of the noted transaction based on the time and place information included in the payment data and the transaction data. The payment record further includes information on the payment amount in the corresponding payment,
the transaction record further includes transaction amount information for the corresponding transaction;
The extraction unit extracts the record of the noted transaction based on the information on the time and place and payment amount included in the payment data and the information on the time and place and transaction amount included in the transaction data. The information processing system according to claim 4 . The storage device stores identification information of a first specific product or service as a first transaction target and identification information of a second specific product or service as a second transaction target,
the transaction record includes identification information of the corresponding transaction object;
Based on the identification information of the first transaction target and the identification information of the second transaction target, the extraction unit extracts the transaction data acquired by the transaction data acquisition unit as a record of the noted transaction, 6. The information processing system according to any one of claims 1 to 5, wherein a transaction record relating to said first transaction object and a transaction record relating to said second transaction object using said settlement means of a user are extracted. An information processing system,
A payment data acquisition unit configured to acquire payment data including a record of payment using said payment method from a payment operator system based on identification information of a payment method used in a commercial transaction of a user stored in a storage device. and,
a transaction data acquisition unit configured to acquire, from one or more transaction business operator systems, transaction data including records of transactions relating to specific goods or services that are specific transaction targets;
Based on the payment data acquired by the payment data acquisition unit, the transaction data acquired by the transaction data acquisition unit is related to the specific transaction object using the payment method of the user as a record of a noted transaction. an extractor configured to extract records of transactions;
with
each of said payments is issued a separate authorization code by the corresponding payment provider;
the payment record includes at least a corresponding payment approval code;
The storage device stores identification information of a first specific product or service as a first transaction target and identification information of a second specific product or service as a second transaction target,
the transaction record includes at least an authorization code for the settlement occurring in the corresponding transaction and identification information of the corresponding transaction object;
The extraction unit acquires the transaction data based on the authorization code included in the payment data and the transaction data, and further based on the identification information of the first transaction object and the identification information of the second transaction object. extracting, from the transaction data acquired by the department, a record of transactions relating to the first transaction target and a record of transactions relating to the second transaction target using the payment means of the user as the records of the noted transaction; is configured to
The information processing system is
based on the record of the noted transaction extracted by the extracting unit, outputting data related to the transaction behavior of the first transaction target of the user to a first output destination, and trading the second transaction target of the user; A processing execution unit configured to output data related to behavior to a second output destination different from the first output destination
An information processing system further comprising : An information processing system,
A payment data acquisition unit configured to acquire payment data including a record of payment using said payment method from a payment operator system based on identification information of a payment method used in a commercial transaction of a user stored in a storage device. and,
a transaction data acquisition unit configured to acquire, from one or more transaction business operator systems, transaction data including records of transactions relating to specific goods or services that are specific transaction targets;
Based on the payment data acquired by the payment data acquisition unit, the transaction data acquired by the transaction data acquisition unit is related to the specific transaction object using the payment method of the user as a record of a noted transaction. an extractor configured to extract records of transactions;
with
The storage device stores identification information of a first specific product or service as a first transaction target and identification information of a second specific product or service as a second transaction target,
the record of the payment includes at least information on when and where the corresponding payment was made;
the transaction record includes at least information on when and where the corresponding transaction took place and identification information of the corresponding transaction subject;
The extraction unit extracts the Among the transaction data acquired by the transaction data acquiring unit, as the record of the noted transaction, the record of the transaction related to the first transaction target using the payment means of the user and the transaction related to the second transaction target configured to extract records,
The information processing system is
based on the record of the noted transaction extracted by the extracting unit, outputting data related to the transaction behavior of the first transaction target of the user to a first output destination, and trading the second transaction target of the user; A processing execution unit configured to output data related to behavior to a second output destination different from the first output destination
An information processing system further comprising: The payment record further includes information on the payment amount in the corresponding payment,
the transaction record further includes transaction amount information for the corresponding transaction;
The extraction unit extracts information on the time and place and payment amount included in the payment data, information on the time and place and transaction amount included in the transaction data, identification information of the first transaction target, and extracting the record of the noted transaction based on the identification information of the second transaction target;
The information processing system according to claim 8. The first output destination is the customer management system of the first company that provides the first specific goods or services, and the second output destination is the second output destination that provides the second specific goods or services. 10. The information processing system according to any one of claims 7 to 9, which is a customer management system of two companies. An information processing system,
A payment data acquisition unit configured to acquire payment data including a record of payment using said payment method from a payment operator system based on identification information of a payment method used in a commercial transaction of a user stored in a storage device. and,
a transaction data acquisition unit configured to acquire, from one or more transaction business operator systems, transaction data including records of transactions relating to specific goods or services that are specific transaction targets;
Based on the payment data acquired by the payment data acquisition unit, the transaction data acquired by the transaction data acquisition unit is related to the specific transaction object using the payment method of the user as a record of a noted transaction. an extractor configured to extract records of transactions;
with
each of said payments is issued a separate authorization code by the corresponding payment provider;
the payment record includes at least a corresponding payment approval code;
The storage device stores identification information of a first specific product or service as a first transaction target and identification information of a second specific product or service as a second transaction target,
the transaction record includes at least an authorization code for the settlement occurring in the corresponding transaction and identification information of the corresponding transaction object;
The extraction unit acquires the transaction data based on the authorization code included in the payment data and the transaction data, and further based on the identification information of the first transaction object and the identification information of the second transaction object. extracting, from the transaction data acquired by the department, a record of transactions relating to the first transaction target and a record of transactions relating to the second transaction target using the payment means of the user as the records of the noted transaction; is configured to
The information processing system is
Based on the transaction records related to the first transaction object extracted by the extraction unit, the above-mentioned information managed by the customer management system of the first company that provides the first specific product or service Data for updating the user's customer management data is transmitted so that the customer management system can identify the user , and is added to the transaction record related to the second transaction object extracted by the extraction unit data for updating the customer management data of the user managed by the customer management system to the customer management system of the second company that provides the second specific goods or services based on the An information processing system further comprising: a processing execution unit configured to transmit in a user identifiable manner . An information processing system,
A payment data acquisition unit configured to acquire payment data including a record of payment using said payment method from a payment operator system based on identification information of a payment method used in a commercial transaction of a user stored in a storage device. and,
a transaction data acquisition unit configured to acquire, from one or more transaction business operator systems, transaction data including records of transactions relating to specific goods or services that are specific transaction targets;
Based on the payment data acquired by the payment data acquisition unit, the transaction data acquired by the transaction data acquisition unit is related to the specific transaction object using the payment method of the user as a record of a noted transaction. an extractor configured to extract records of transactions;
with
The storage device stores identification information of a first specific product or service as a first transaction target and identification information of a second specific product or service as a second transaction target,
the record of the payment includes at least information on when and where the corresponding payment was made;
the transaction record includes at least information on when and where the corresponding transaction took place and identification information of the corresponding transaction subject;
The extraction unit extracts the Among the transaction data acquired by the transaction data acquiring unit, as the record of the noted transaction, the record of the transaction related to the first transaction target using the payment means of the user and the transaction related to the second transaction target configured to extract records,
The information processing system is
Based on the transaction records related to the first transaction object extracted by the extraction unit, the above-mentioned information managed by the customer management system of the first company that provides the first specific product or service Data for updating the user's customer management data is transmitted so that the customer management system can identify the user, and based on the record of the transaction related to the second transaction object extracted by the extraction unit , the customer management system sends data for updating the user's customer management data managed by the customer management system to the customer management system of the second company that provides the second specific goods or services; a processing execution unit configured to identifiably transmit
An information processing system further comprising: The payment record further includes information on the payment amount in the corresponding payment,
the transaction record further includes transaction amount information for the corresponding transaction;
The extraction unit extracts information on the time and place and payment amount included in the payment data, information on the time and place and transaction amount included in the transaction data, identification information of the first transaction target, and extracting the record of the noted transaction based on the identification information of the second transaction target;
The information processing system according to claim 12. The storage device stores identification information of a first payment means and identification information of a second payment means different from the first payment means as identification information of the payment means used in commercial transactions of the user. death,
The payment data acquisition unit acquires first payment data including a record of payment using the first payment method from the first payment operator system, and obtains the payment data using the second payment method. obtaining second payment data, including records, from a second payment provider system different from the first payment provider system;
Based on the first and second payment data, the extraction unit extracts the first and second payments of the user as a record of the noted transaction from the transaction data acquired by the transaction data acquisition unit. 14. The information processing system according to any one of claims 1 to 13 , wherein a transaction record relating to said specific transaction target is extracted using means. The storage device stores identification information of the payment means for each user with respect to a plurality of users,
The extractor is
based on the payment data acquired by the payment data acquisition unit, generating a reference table summarizing, for each of the users, records of payments made by corresponding users using the payment method;
For each user, based on the reference table of the corresponding user, a record of a transaction relating to the specific transaction object using the payment means of the corresponding user is selected from the transaction data as the record of the noted transaction. An information processing system according to any one of claims 1 to 14 , configured to extract. The storage device stores identification information of the first payment means and identification information of the second payment means for each user with respect to a plurality of users,
The extractor is
Based on the first payment data and the second payment data acquired by the payment data acquisition unit, for each user, a record of payment using the first payment means of the corresponding user and the second payment data Generate a reference table that summarizes the records of payments made using the payment method of
For each user, based on the reference table of the corresponding user, the specific transaction using the first and second payment methods of the corresponding user is selected from the transaction data as a record of the noted transaction. 15. The information processing system of claim 14 , configured to extract records of transactions relating to an object. a registration unit that registers, in the storage device, identification information of one or more payment means used in commercial transactions of a corresponding user as identification information of the payment means, in accordance with a registration request from a user terminal device;
Claims 1 to 4, wherein the extracting unit extracts the transaction record based on the registered identification information of the one or more payment methods for each of the users whose identification information of the one or more payment methods is registered. Item 17. The information processing system according to any one of Item 16 . Causes a computer to execute functions as the payment data acquisition unit, the transaction data acquisition unit, the extraction unit , and the processing execution unit provided in the information processing system according to any one of claims 1 to 16 A computer program for A computer-executed information processing method comprising:
Acquiring payment data, including records of payments made using said payment means, from a payment operator system based on identification information of a payment means used in a user's commercial transaction stored in a storage device;
Acquiring transaction data, including records of transactions relating to specific goods or services that are the subject of specific transactions, from one or more trading operator systems;
extracting , as a record of a noted transaction, a record of a transaction relating to the specific transaction object using the payment method of the user from among the acquired transaction data based on the acquired payment data;
Based on the extracted record of the transaction of interest, data for updating the customer management data of the user managed by the customer management system in the customer management system of the company that provides the specific goods or services is transferred to the customer management system. transmitting the user so that the system is identifiable;
including
each of said payments is issued a separate authorization code by the corresponding payment provider;
the payment record includes at least a corresponding payment approval code;
the record of the transaction includes at least an authorization code for the payment that occurred in the corresponding transaction;
The information processing method, wherein the extracting includes extracting the record of the noted transaction based on the authorization code included in the payment data and the transaction data. A computer-executed information processing method comprising:
Acquiring payment data, including records of payments made using said payment means, from a payment operator system based on identification information of a payment means used in a user's commercial transaction stored in a storage device;
Acquiring transaction data, including records of transactions relating to specific goods or services that are the subject of specific transactions, from one or more trading operator systems;
extracting, as a record of a noted transaction, a record of a transaction relating to the specific transaction object using the payment method of the user from among the acquired transaction data based on the acquired payment data;
Based on the extracted record of the transaction of interest, data for updating the customer management data of the user managed by the customer management system in the customer management system of the company that provides the specific goods or services is transferred to the customer management system. transmitting the user so that the system is identifiable;
including
the record of the payment includes at least information on when and where the corresponding payment was made;
the transaction record includes at least information about when and where the corresponding transaction occurred;
The information processing method, wherein the extracting includes extracting the record of the noted transaction based on the time and place information included in the payment data and the transaction data. A computer-executed information processing method comprising:
Acquiring payment data, including records of payments made using said payment means, from a payment operator system based on identification information of a payment means used in a user's commercial transaction stored in a storage device;
Acquiring transaction data, including records of transactions relating to specific goods or services that are the subject of specific transactions, from one or more trading operator systems;
extracting, as a record of a noted transaction, a record of a transaction relating to the specific transaction object using the payment method of the user from among the acquired transaction data based on the acquired payment data;
including
each of said payments is issued a separate authorization code by the corresponding payment provider;
the payment record includes at least a corresponding payment approval code;
The storage device stores identification information of a first specific product or service as a first transaction target and identification information of a second specific product or service as a second transaction target,
the transaction record includes at least an authorization code for the settlement occurring in the corresponding transaction and identification information of the corresponding transaction object;
The extracting is based on the authorization code included in the payment data and the transaction data, and further based on the identification information of the first transaction object and the identification information of the second transaction object, the acquired extracting, from the transaction data, a record of transactions relating to the first transaction target using the payment means of the user and a record of transactions relating to the second transaction target as the records of the noted transaction; ,
The information processing method includes:
Based on the extracted record of the noted transaction, data relating to the user's trading behavior of the first transaction target is output to a first output destination, and data relating to the user's trading behavior of the second transaction target is output. , to output to a second output destination different from the first output destination
An information processing method further comprising: A computer-executed information processing method comprising:
Acquiring payment data, including records of payments made using said payment means, from a payment operator system based on identification information of a payment means used in a user's commercial transaction stored in a storage device;
Acquiring transaction data, including records of transactions relating to specific goods or services that are the subject of specific transactions, from one or more trading operator systems;
extracting, as a record of a noted transaction, a record of a transaction relating to the specific transaction object using the payment method of the user from among the acquired transaction data based on the acquired payment data;
including
The storage device stores identification information of a first specific product or service as a first transaction target and identification information of a second specific product or service as a second transaction target,
the record of the payment includes at least information on when and where the corresponding payment was made;
the transaction record includes at least information on when and where the corresponding transaction took place and identification information of the corresponding transaction subject;
The extracting is based on the time and location information contained in the payment data and the transaction data, and further based on the identification information of the first counterparty and the identification information of the second counterparty, extracting, from the acquired transaction data, a transaction record relating to the first transaction target and a transaction record relating to the second transaction target using the payment means of the user as the noted transaction record; including
The information processing method includes:
Based on the extracted record of the noted transaction, data relating to the user's trading behavior of the first transaction target is output to a first output destination, and data relating to the user's trading behavior of the second transaction target is output. , to output to a second output destination different from the first output destination
An information processing method further comprising: A computer-executed information processing method comprising:
Acquiring payment data, including records of payments made using said payment means, from a payment operator system based on identification information of a payment means used in a user's commercial transaction stored in a storage device;
Acquiring transaction data, including records of transactions relating to specific goods or services that are the subject of specific transactions, from one or more trading operator systems;
extracting, as a record of a noted transaction, a record of a transaction relating to the specific transaction object using the payment method of the user from among the acquired transaction data based on the acquired payment data;
including
each of said payments is issued a separate authorization code by the corresponding payment provider;
the payment record includes at least a corresponding payment approval code;
The storage device stores identification information of a first specific product or service as a first transaction target and identification information of a second specific product or service as a second transaction target,
the transaction record includes at least an authorization code for the settlement occurring in the corresponding transaction and identification information of the corresponding transaction object;
The extracting is based on the authorization code included in the payment data and the transaction data, and further based on the identification information of the first transaction object and the identification information of the second transaction object, the acquired extracting, from the transaction data, a record of transactions relating to the first transaction target using the payment means of the user and a record of transactions relating to the second transaction target as the records of the noted transaction; ,
The information processing method includes:
Customer management of the user managed by the customer management system in the customer management system of the first company that provides the first specific product or service, based on the extracted transaction records related to the first transaction object Data for updating data is transmitted so that the customer management system can identify the user, and based on the transaction record related to the extracted second transaction object, the second specific product or Sending to a customer management system of a second company that provides services, data for updating customer management data of said user managed by said customer management system so that said customer management system can identify said user. to do
An information processing method further comprising: A computer-executed information processing method comprising:
Acquiring payment data, including records of payments made using said payment means, from a payment operator system based on identification information of a payment means used in a user's commercial transaction stored in a storage device;
Acquiring transaction data, including records of transactions relating to specific goods or services that are the subject of specific transactions, from one or more trading operator systems;
extracting, as a record of a noted transaction, a record of a transaction relating to the specific transaction object using the payment method of the user from among the acquired transaction data based on the acquired payment data;
including
The storage device stores identification information of a first specific product or service as a first transaction target and identification information of a second specific product or service as a second transaction target,
the record of the payment includes at least information on when and where the corresponding payment was made;
the transaction record includes at least information on when and where the corresponding transaction took place and identification information of the corresponding transaction subject;
The extracting is based on the time and location information contained in the payment data and the transaction data, and further based on the identification information of the first counterparty and the identification information of the second counterparty, extracting, from the acquired transaction data, a transaction record relating to the first transaction target and a transaction record relating to the second transaction target using the payment means of the user as the noted transaction record; including
The information processing method includes:
Customer management of the user managed by the customer management system in the customer management system of the first company that provides the first specific product or service, based on the extracted transaction records related to the first transaction object Data for updating data is transmitted so that the customer management system can identify the user, and based on the transaction record related to the extracted second transaction object, the second specific product or Sending to a customer management system of a second company that provides services, data for updating customer management data of said user managed by said customer management system so that said customer management system can identify said user. to do
An information processing method further comprising:

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