JP7389300B1 - Information processing device, information processing method, and program - Google Patents

Abstract

[Problem] To improve customer loyalty to electronic payment services. [Solution] A generation unit that sets a discount rate for a discount coupon that can be used in an electronic payment service that processes payments related to purchases at physical stores, and generates a discount coupon with the discount rate set, and the discount coupon. a notification unit that notifies a user terminal device used by a user of the generation of the discount; An information processing device that sets the rate. [Selection diagram] Figure 1

Description

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

2. Description of the Related Art Conventionally, techniques are known for providing benefits such as discounts to users who use electronic payment services. For example, Patent Document 1 discloses that based on electronic payment information for each region of residence of a user, trends in the use of electronic payment services for each region of residence are identified, and discount rates are applied to each region of residence according to the identified usage trends. A technique for determining is disclosed.

JP 2022-018204 Publication

The technique described in Patent Document 1 applies a discount rate determined according to a specified usage tendency for a predetermined period (for example, one month). In this case, the user will check the discount rate every predetermined period before making an electronic payment, but the user has no motivation to check the information regarding the electronic payment service outside of the predetermined period. In some cases, customer loyalty to the electronic payment service was low.

The present invention has been made in consideration of such circumstances, and one of the objects is to provide an information processing device, an information processing method, and a program that can improve customer loyalty to electronic payment services. .

One aspect of the present invention includes a generation unit that sets a discount rate for a discount coupon that can be used in an electronic payment service that processes payments related to purchases at physical stores, and generates a discount coupon with the discount rate set; a notification unit that notifies a user terminal device used by a user of the generation of the discount coupon, the generation unit based on an index value that is related to the electronic payment service and changes dynamically. , an information processing device that sets the discount rate.

According to one aspect of the present invention, customer loyalty to electronic payment services can be improved.

1 is a diagram illustrating an example of a configuration for realizing an electronic payment service. FIG. 1 is a sequence diagram (Part 1) illustrating the general flow of electronic payment. FIG. 2 is a sequence diagram (Part 2) illustrating the general flow of electronic payment. FIG. 1 is a configuration diagram of a payment server 100 according to a first embodiment. 3 is a diagram showing an example of the contents of user information 172. FIG. It is a diagram showing an example of the contents of member store/store information 176. 3 is a diagram showing an example of a top screen IM1 of the payment application 20. FIG. It is a figure showing an example of the usage method of the 1st coupon by user terminal device 10. It is a figure which shows an example of the usage method of the 2nd coupon by the user terminal device 10. It is a figure which shows another example of the usage method of the 2nd coupon by the user terminal device 10. It is a figure which shows an example of the method by which the user terminal device 10 displays the discount rate of a 2nd coupon. 7 is a diagram illustrating an example of a method for a store manager to set a second coupon on the affiliated store interface 72 of the second store terminal device 70. FIG. It is a sequence diagram which shows an example of the flow of electronic payment using a 2nd coupon. 12 is a diagram showing an example of a store code reading screen 300 of the payment application 20 according to Modification 4. FIG. 12 is a diagram showing an example of a product code reading screen 310 of the payment application 20 according to Modification 4. FIG. 12 is a diagram illustrating an example of a payment screen 330 of the payment application 20 according to Modification 4. FIG.

DESCRIPTION OF THE PREFERRED EMBODIMENTS Embodiments of an information processing apparatus, an information processing method, and a program control method of the present invention will be described below with reference to the drawings. The application program and the payment server work together to provide electronic payment services. In the following description, the application program will be referred to as a payment application. An electronic payment service is a service that supports payments for purchases of products and services at stores. A store is, for example, a physical store (actual store) that exists in real space, but may also include a virtual store for electronic commerce. Virtual stores may include those provided by entities different from the operator of the electronic payment service. In this case, when paying for shopping at the virtual store, the screen is controlled to transition to an interface screen of the electronic payment service. In an electronic payment service, a store is treated as belonging to a member store (brand), for example, and processing such as payment when a purchase is made at a store is mainly performed between a user and the member store. Alternatively, processing such as payment may be performed between the user and the store.

[Electronic payment service]
FIG. 1 is a diagram illustrating an example of a configuration for realizing an electronic payment service. The electronic payment service is realized mainly by the payment server 100. The payment server 100 is connected to a network with each of, for example, one or more user terminal devices 10, one or more first store terminal devices 50, one or more second store terminal devices 70, and an information distribution server (inventory management server) 200. Communicate via NW. The network NW includes, for example, the Internet, a LAN (Local Area Network), a wireless base station, a provider device, and the like.

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

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

The second store terminal device 70 is used by an operator of a member store. The second store terminal device 70 is a smartphone, a tablet terminal, a personal computer, or the like. In the second store terminal device 70, an interface 72 for member stores operates. The member store interface 72 may be an application for member stores or may be a browser. The member store interface 72 receives coupon settings and the like from the member store operator and transmits them to the payment server 100. The second store terminal device 70, which is a smartphone, has the function of displaying a code image corresponding to the store code image and reading the code image displayed by the user terminal device 10 by executing an application for member stores. have The second store terminal device 70 may be prepared for each member store and used by a store manager (such as an employee).

The payment server 100 realizes electronic payment based on payment information received from the user terminal device 10 or the first store terminal device 50. The first store terminal device 50 may include a POS device and a member store server, in which case payment information is transmitted from the POS device to the payment server 100 via the member store server. In the following description, it is assumed that payment information is transmitted from the first store terminal device 50 without making any particular distinction.

2 and 3 are sequence diagrams illustrating the general flow of electronic payment. There may be two patterns, pattern 1 and pattern 2, in electronic payment.

In the case of pattern 1 (hereinafter referred to as user scan) shown in FIG. 2, the user terminal device 10 with the payment application 20 activated decodes the store code image 60 using an optical reading function (S1). The store code image 60 includes information on a store URL (Uniform Resource Locator). This store URL is the domain of the electronic payment service added with information that can identify the store, and is associated with member store IDs, store IDs, etc. in the payment server 100 (described later). The payment application 20 transmits first payment information including the store URL and account ID to the payment server 100 (S2). The payment server 100 searches for store information (described later) from the member store ID and store ID corresponding to the store URL, obtains the member store name and store name information (S3), and sends the information to the payment application 20 (S4). . The user inputs the payment amount into the user terminal device 10 on the screen on which the member store name and store name are displayed (S5). Then, the user terminal device 10 generates second payment information including at least the payment amount and transmits it to the payment server 100 (S6). The payment server 100 performs electronic payment based on the received second payment information (S7). Then, the payment server 100 transmits a payment completion notification (information for displaying the payment completion screen) to the payment application 20 (S8), and the payment application 20 displays the payment completion screen (S9). Note that when the store code image 60 is displayed on a display placed in a store, the store code image 60 may include not only the store URL but also information on the payment amount. In this case, the step for the user to input the payment amount is omitted, and the first payment information includes information on the payment amount and is sent to the payment server 100. Information on the member store name and store name may be included and displayed on the payment completion screen.

In the case of pattern 2 (hereinafter referred to as store scan) shown in FIG. 3, when the payment application 20 is started, when a payment operation is performed on the payment application 20, and when the automatic update timing (for example, every minute) is reached. , and at other timings, the payment application 20 transmits a one-time code issuance request to the payment server 100 (S11). The payment server 100 generates a one-time code (S12) and sends it to the payment application 20 (S13). The payment application 20 displays a code image, such as a QR code or barcode, generated based on the one-time code (S14). The user holds up (presents) the display surface of the user terminal device 10 to the first store terminal device 50, and the first store terminal device 50 decodes the code image using an optical reading function and obtains a one-time code, etc. (S15). Then, the first store terminal device 50 generates payment information including a one-time code, payment amount, member store ID, store ID, etc., and transmits it to the payment server 100 (S16). Information on the payment amount is obtained in advance by barcode reading, manual input, etc. The payment server 100 identifies the user corresponding to the one-time code based on the received information and performs electronic payment (S17). Then, the payment server 100 transmits a payment completion notification to the payment application 20 (S18), and the payment application 20 displays a payment completion screen (S19).

Note that electronic payment may be performed using only one of the above patterns. Moreover, the "account ID" explained in FIG. 2 may be other information (for example, a telephone number) that can be used as user identification information. Furthermore, the issuance of a one-time code may be omitted in the store scan, and the payment application 20 may display a code image generated based on the user's account ID. In that case, the payment server 100 identifies the user corresponding to the account ID instead of identifying the user corresponding to the one-time code.

[Payment server]
FIG. 4 is a configuration diagram of the payment server 100 according to the first embodiment. The payment server 100 includes, for example, a communication section 110, a payment content provision section 120, a payment processing section 130, an information management section 140, a coupon generation section 150, an information notification section 160, and a storage section 170. Components other than the communication unit 110 and the storage unit 170 are realized by, for example, a hardware processor such as a CPU executing a program (software). Some or all of these components are hardware (circuit parts) such as LSI (Large Scale Integration), ASIC (Application Specific Integrated Circuit), FPGA (Field-Programmable Gate Array), and GPU (Graphics Processing Unit). (including circuitry), or may be realized by collaboration between software and hardware. The program may be stored in advance in a storage device (a storage device with a non-transitory storage medium) such as an HDD (Hard Disk Drive) or flash memory, or may be stored in a removable storage device such as a DVD or CD-ROM. It may be stored in a medium (non-transitory storage medium), and installed in the storage device by loading the storage medium into a drive device.

The storage unit 170 is an HDD, flash memory, RAM (Random Access Memory), or the like. The storage unit 170 may be a NAS (Network Attached Storage) device that can be accessed by the payment server 100 via a network. The storage unit 170 stores information such as user information 172, payment content information 174, member store/store information 176, and coupon information 178. The coupon information 178 stores information regarding a first coupon and a second coupon, which will be described later.

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

The payment content providing unit 120 has, for example, the function of a web server, and provides the user terminal device 10 with information (content) for displaying various screens of the electronic payment service. The payment content providing unit 120 reads necessary content from the payment content information 174 as appropriate and provides it to the user terminal device 10. The user terminal device 10 receives various inputs from the user while the content is being played by the payment application 20, and transmits the above-mentioned payment information and the like to the payment server 100.

The payment processing unit 130 performs payment processing based on the payment information transmitted by the user terminal device 10 or the first store terminal device 50. The payment processing unit 130 performs payment processing while referring to the user information 172.

FIG. 5 is a diagram showing an example of the contents of the user information 172. User information 172 is an example of user registration information. User information 172 includes, for example, user URL, account ID, phone number, password, email address, user ID, name/address/date of birth, registration date, charge balance, deferred payment setting, deferred payment limit, deferred payment. Information such as usage amount, available deferred payment amount, payment method setting, bank account, credit card number, charge history information, payment history information, follow member store, first coupon, and held points are associated with each other. The user URL is used for remittance processing between users. When registering for a new electronic payment service, it is mandatory to register a phone number and password. The account ID is issued to the user by the payment server 100, and the user ID is an ID that can be arbitrarily set (or does not need to be set) by the user. Similarly, e-mail address, name, address, and date of birth are information that can (or does not need to be) set arbitrarily by the user. The registration date is the date the user registered with the electronic payment service (the date the account was created). Hereinafter, the user instance (electronic payment account) to which this information is associated will be referred to as an account.

The charge balance is information indicating the balance of electronic money set by the user transferring money to the account in advance. Methods of remittance include remittance from an ATM (Automatic Teller Machine) of a designated business (bank), remittance from a registered bank account, etc. The deferred payment setting is information indicating whether the settings for enabling electronic payment by deferred payment have been completed, and is set to either "completed" or "not yet". The deferred payment allowance is the maximum amount of deferred payment that can be used each month, the deferred payment usage amount is the amount of deferred payment that has already been used in the current month, and the available deferred payment amount is calculated by subtracting the deferred payment usage amount from the deferred payment allowance. , is the amount of deferred payment available for the current month. In the figure, only one deferred payment limit is shown, but in reality, there are additional daily upper limit amounts, and the lower of these may be set as the deferred payment limit. Further details of deferred payment will be discussed later. The payment method setting is setting information that indicates whether the user will perform electronic payment using the charge balance or payment by deferred payment at that time. The bank account and credit card number are each information about a bank account or credit card number (account number, card number) that can be used to deposit money into the electronic payment service. The charging history information is a history of the user increasing the charging balance by remitting money to the electronic payment service in advance. The payment history information is information that shows the details of the payments made by the user (date and time, store ID of the store where the purchase was made, payment amount, payment method, etc.) for each payment. Details of the follow member store, the first coupon, and the points held will be described later.

FIG. 6 is a diagram showing an example of the contents of the affiliated store/store information 176. The affiliated store/store information 176 includes, for example, a first table 176A in which affiliated store IDs and store IDs are associated with store URLs, and affiliated store names and sales proceeds (described above) are associated with affiliated store IDs. 176B, and a third table 176C in which store names are associated with store IDs. In addition to this information, the member store/store information 176 may include information such as the member store or store category, store location, payment pattern, and the like.

The information management unit 140 manages user information 172 and member store/store information 176 based on information acquired from the user terminal device 10 and the second store terminal device 70. The information management unit 140 adds, edits, deletes, etc. new records for the user information 172 and member store/store information 176.

[Electronic payment]
When payment information is acquired from the user terminal device 10 or the first store terminal device 50, the payment processing unit 130 refers to the user information 172 and acquires the "payment method setting" of the user. The payment processing unit 130 performs electronic payment as follows for a user whose "payment method setting" is set to "charge balance". The payment processing unit 130 performs electronic payment by, for example, decreasing the charge balance managed in association with the user ID and increasing the item value of the member store's sales proceeds. For example, the item value of the sales proceeds of a member store is not used as electronic money itself, but the amount corresponding to the item value of the sales proceeds is determined in a cycle according to the agreement between the member store and the electronic payment service. Money will be transferred to your bank account.

The payment processing unit 130 performs electronic payment in the following manner for users whose "setting information" is set to "deferred payment." Deferred payment is set up separately from "credit payment" in collaboration with a credit card company, which is a separate entity from the operator of the electronic payment service, and the operator of the electronic payment service is the creditor. , which allows electronic payments that do not depend on the charge balance within the deferred payment limit. Note that in order to receive the deferred payment service, the user may be required to obtain a credit card provided by the operator of the electronic payment service. The amount used for deferred payment is paid in one month's worth on the next month's payment date, for example, by debiting from a bank account. In this case, the payment processing unit 130 performs provisional payment by adding the payment amount to the deferred payment usage amount and subtracting the same amount from the available deferred payment amount, and on the closing date, the payment for the current month is transferred to the next month's payment date as described above. or request the operator of the credit card company to perform the processing. Note that if the payment amount exceeds the available deferred payment amount at the time of provisional payment, an error notification is sent back to the payment application 20.

[Top screen]
FIG. 7 is a diagram showing an example of the top screen IM of the payment application 20. A code image CD is displayed on the top screen IM. The code image CD includes, for example, a barcode and a QR code. Further, along with the code image CD, a text ("Pay with balance" in the figure) indicating whether to perform electronic payment using the charge balance or electronic payment by deferred payment is displayed. This text is drawn by the payment application 20 based on information updated by the payment application 20 each time the changeover switch SW is operated. Further, the top screen IM includes an operation area CA including a changeover switch SW, and a transition button TB. This will be discussed later. Note that the "switch" and "button" are GUIs (Graphical User Interfaces) realized in cooperation with the touch panel. The changeover switch SW accepts an operation for switching between performing electronic payment using the charge balance or electronic payment using deferred payment. By default, the changeover switch SW is set to perform electronic payment using the charge balance, and each time the switch is operated by the user, it changes between the setting for electronic payment using the charge balance and the setting for electronic payment using deferred payment. The settings will change. In the figure, the explanation "Balance payment" is displayed, which means that the setting is to perform electronic payment using the charge balance. The operation area CA is provided with buttons for instructing main operations in electronic payment, such as a button for instructing scan (start of user scan) and a button for instructing charging. When the transition button TB is operated, the screen transitions to a payment screen that displays a code image used for electronic payment and the available amount.

Furthermore, the top screen IM includes a first coupon and It includes areas CP1 and CP2 for providing information regarding the second coupon. As shown in FIG. 7, area CP1 represents an area for providing the user with information regarding the first coupon, and area CP2 represents an area for providing the user with information regarding the second coupon. When the user presses area CP1 on the payment app 20, the payment app 20 transitions to a screen related to the first coupon, while when the user presses area CP2 on the payment app 20, the payment app 20 transitions to the screen related to the first coupon. Transition to a screen related to coupons. As explained below, the first coupon is one in which the member store or store manager registering for the electronic payment service sets the conditions of the coupon in advance, such as the discount rate and usage period, based on their own judgment. On the other hand, the second coupon is related to the electronic payment service and the coupon conditions are automatically set (or by simple specification by the administrator) based on dynamically changing index values. It is something that The second coupon is an example of a "discount coupon" in the claims. Details of the first coupon and the second coupon will be explained below.

[1st coupon]
FIG. 8 is a diagram illustrating an example of a method of using the first coupon by the user terminal device 10. The screen on the left side of FIG. 8 is displayed on the user terminal device 10 when, for example, the user accesses a dedicated page of a member store of the electronic payment service via the payment application 20 of the user terminal device 10. represents the screen to be displayed. This screen is displayed, for example, when the user clicks on the area representing the first coupon CP1 on the top screen IM of FIG. 7 and searches for a store that provides the first coupon.

The member store dedicated page includes, for example, an area A1 where summary information of the member store's store is displayed, a button B1 for following the member store, and an area A2 where detailed information of the member store's store is displayed switchable by tabs. Including etc. When the user presses the follow button B1, the payment application 20 sends information indicating that the follow button B1 was pressed together with the user's identification information (for example, account ID) to the payment server 100, and manages the information. The unit 140 stores the identification information (for example, affiliated store ID) of the affiliated store in “Followed affiliated store” of the user information 172. As a result, for example, each time a member store updates the contents of the member store-only page, the payment server 100 sends a notification to the user via the payment application 20 indicating that the contents of the member store-only page have been updated. Notice.

In FIG. 8, for example, when the user taps "first coupon", which is one tab included in area A2, the first coupon that can be used by the user for electronic payment at the store at the present time is displayed. For example, when the user follows a member store and presses the button B2 for acquiring the first coupon, the payment application 20 converts the information indicating that the acquisition button B2 was pressed into the user's identification information (e.g. , account ID) to the payment server 100, and the information management unit 140 stores information on the first coupon acquired by the user in the "first coupon" of the user information 172.

When the user terminal device 10 executes electronic payment after the user acquires the first coupon, the payment processing unit 130 determines whether the electronic payment matches the usage conditions of the first coupon acquired by the user. If it is determined that the conditions of use of the coupon are met, the user is given a benefit according to the content of the first coupon. For example, in the case of FIG. 8, the payment processing unit 130 determines whether the payment amount of the electronic payment is 300 yen or more, and if the payment amount is 300 yen or more, the payment processing unit 130 corresponds to 5% of the payment amount. give points for

Thereafter, the payment application 20 displays, as a payment completion screen, an area A3 that displays the payment store, an area A4 that displays the payment amount, and an area A5 that displays the granted benefits. The right side of FIG. 8 shows, as an example, a case where 25 yen points are given for a 500 yen payment in response to the user acquiring the first coupon of 5% off. In this case, the information management unit 140 stores 25 yen worth of points in the “held points” of the user information 172, and the payment processing unit 130 prioritizes the held points from the payment amount in the user's next electronic payment. subtract the remaining amount from the charge balance or the available amount for deferred payment. In addition, as another aspect, the amount of the coupon may be directly subtracted from the payment amount on the day without being added as points that can be used for payment.

In this way, the member store or store manager sets the conditions of the first coupon, such as the discount rate, in advance based on their own judgment, and the user can use the first coupon exclusively for the member store of the member store. The user accesses the page and obtains the first coupon with preset conditions. Providing such a first coupon provides an incentive for users to use electronic payment services, but the conditions are fixed and lack surprises, which may make it difficult to improve customer loyalty. there were. Additionally, the first coupon is generally created by a member store or store manager to be available for a predetermined period of time (for example, one month), and includes thumbnail images, promotional text, etc. Because manual settings are required, it may not be suitable for promoting purchases of products with near expiration dates (e.g., food) or services with near expiration dates (e.g., movies or concerts). Ta.

[Second coupon]
Against the background of the above circumstances, the coupon generation unit 150 sets a coupon discount rate based on an index value that is related to the electronic payment service and changes dynamically, and provides the discount rate as a second coupon. Here, the dynamically changing index value is, for example, inventory information of products or services sold by a member store. The coupon generation unit 150 acquires store inventory information from the information distribution server 200, which is an inventory management server of the member store, via the network NW, and among the acquired inventory information, selects products with close expiration dates (or with supply deadlines). A discount rate is set for a nearby service), and code information in which a product identifier and a discount rate are set is generated as a second coupon. At this time, the coupon generation unit 150 may set a higher discount rate as the expiration date (or offer deadline) is closer to the current time.

As another aspect, the coupon generation unit 150 sets the discount rate using the stock amount of the product or service as a dynamically changing index value, without being limited to the expiration date or provision deadline of the product or service. Good too. In that case, the coupon generation unit 150 may set a higher discount rate as the inventory amount of the product or service increases. For example, the coupon generation unit 150 may set a higher discount rate the closer the expiry date of the food is and the greater the amount of food in stock, or the closer the movie is to be aired and the more the food is in stock, the higher the discount rate. The more vacant seats there are in a movie theater, the higher the discount rate may be set.

Furthermore, as another aspect, the coupon generation unit 150 may generate a second coupon for a new product newly registered in the inventory information as a dynamically changing index value. For example, the coupon generation unit 150 may set a higher discount rate as the current time is closer to the registration date and time when the product was newly registered in the inventory information. Further, for example, when a new product or service is added to the inventory information, the coupon generation unit 150 determines whether the same product or service was provided at the member store or the entire electronic payment service in the past. , if it is determined that the newly added product or service has not been provided in the past, a second coupon may be generated for the product or service. At this time, the coupon generation unit 150 may set a higher discount rate the closer the current time is from the registration date and time when the product or service was newly registered, or the smaller the purchase amount by the user. . As a result, users who are reluctant to purchase a new product without a sales record can be given an incentive to purchase the product.

The information notification unit 160 stores the generated second coupon as coupon information 178 in the storage unit 170, and transmits it as code information to the second store terminal device 70 of the store. The store manager prints the code information of the second coupon received by the second store terminal device 70 and attaches it to the corresponding product. Further, the information notification unit 160 notifies the user terminal device 10 that a new second coupon has been issued. After confirming the notification, the user visits the store that issued the second coupon and uses the second coupon using the user terminal device 10. The details of how to use the second coupon will be explained below.

FIG. 9 is a diagram illustrating an example of how the second coupon is used by the user terminal device 10. For example, the screen on the left side of FIG. A screen displayed on the user terminal device 10 is shown. This screen is displayed, for example, when the user clicks on the area representing the second coupon CP2 on the top screen IM of FIG. 7.

The information notification unit 160 first receives location information (for example, GPS information) from the user terminal device 10, and displays the location P of the store S offering the second coupon in the vicinity of the received location information. For example, in the case of the left screen in FIG. 9, the information notification unit 160 displays the position P1 of the store S1 and the position P2 of the store S2 on the map. Furthermore, the information notification unit 160 displays detailed information of the store offering the second coupon at the bottom of the map. Here, the detailed information includes, for example, the store name of the store providing the second coupon and information regarding the discount rate of the second coupon being provided. For example, in the case of the screen on the left side of FIG. 9, the information notification unit 160 indicates that the store S1 is providing second coupons with discount rates of 20%, 10%, and 5%, and that the store S2 is providing second coupons with discount rates of 20%, 10%, and 5%. , information indicating that second coupons having discount rates of 20%, 15%, and 10% are provided is displayed. Further, each discount rate is given a mark M1 for the user to confirm the discount rate of the product when visiting the store.

When the user confirms the store S offering the second coupon on the map, the user actually visits the store S and searches for the target product for which the second coupon has been issued. For example, as shown in the center of FIG. 9, a user visits a store S1 and searches for a product with a label L indicating that the product is a product for which a second coupon has been issued. Here, since the label L is given, for example, a mark M2 indicating the discount rate, the user can check the discount rate of the product by comparing it with the mark M1 displayed on the second coupon search screen. can be recognized.

Next, when the manager of the store S1 reads the barcode B of the label L using the first store terminal device 50, the first store terminal device 50 acquires code information from the read barcode B. After that, when the manager of the store S1 uses the first store terminal device 50 to perform a store scan, the first store terminal device 50 sends the information to the payment server 100 along with the user's identification information. Send the code information you created. The payment processing unit 130 performs electronic payment by applying the second coupon linked to the acquired code information to the user linked to the received identification information.

The right side of FIG. 9 shows, as an example, a case where 40 yen points are given for a 200 yen payment in response to the user acquiring a second coupon of 20% off. In this case, the information management unit 140 stores 40 yen worth of points in the “held points” of the user information 172, as in the case of the first coupon, and the payment processing unit 130 , the points held are preferentially subtracted from the payment amount, and the remaining amount is subtracted from the charge balance or the available amount for deferred payment. The points awarded by using the first coupon and the points awarded by using the second coupon may be added up as "held points" in the user information 172.

FIG. 8 described above represents an example of a second coupon issued when the dynamically changing index value is inventory information of products sold by a member store. As described above, the coupon generation unit 150 can similarly issue the second coupon even when the dynamically changing index value is inventory information of a service sold by a member store.

FIG. 10 is a diagram showing another example of how the user terminal device 10 uses the second coupon. The screen on the left side of FIG. 10, for example, allows a user to access a screen for searching for a second coupon provided by a movie theater in an electronic payment service via the payment application 20 of the user terminal device 10. represents the screen displayed on the user terminal device 10. In this way, the payment application 20 may provide a function of displaying a screen for searching for second coupons for each industry of member stores.

The information notification unit 160 first receives location information (for example, GPS information) from the user terminal device 10, and displays the location P of the movie theater T offering the second coupon in the vicinity of the received location information. . For example, in the case of the screen on the left side of FIG. 9, the information notification unit 160 displays the position P1 of the movie theater T1 and the position P2 of the movie theater T2 on the map. Further, the information notification unit 160 displays detailed information of movie theaters offering the second coupon at the bottom of the map. Here, the detailed information includes, for example, the store name of the movie theater providing the second coupon and information regarding the discount rate of the second coupon being provided. For example, in the case of the screen on the left side of FIG. 9, the information notification unit 160 indicates that the movie theater T1 is offering second coupons with discount rates of 20%, 10%, and 5%, and that the movie theater Information indicating that T2 offers second coupons with discount rates of 20%, 15%, and 10% is displayed. Furthermore, each discount rate is given a mark M1 for users to check the discount rate of the movie when they visit the movie theater.

When the user confirms the movie theater T offering the second coupon on the map, the user actually visits the movie theater T and searches for the target movie for which the second coupon has been issued. For example, as shown in the center of FIG. 9, the user refers to the movie title displayed on the information board of the movie theater T1 and searches for the movie for which the second coupon has been issued. As in the case of FIG. 8, the mark M2 indicating the discount rate is attached to the target movie for which the second coupon has been issued. The discount rate of the product can be recognized by comparing the discount rate with the discount rate of the product.

Unlike tangible products, it is difficult to label intangible services such as movies with barcodes. Therefore, when the second coupon is generated for an intangible service such as a movie, the payment processing unit 130 may perform electronic payment using the second coupon without using the label L. More specifically, when the manager of the movie theater T1 uses the first store terminal device 50 at the time of checkout to input the identification information of the movie to be paid for and executes a store scan, the manager of the movie theater T1 performs a store scan. The terminal device 50 transmits the identification information of the movie together with the identification information of the user to the payment server 100. The payment processing unit 130 performs electronic payment by applying the second coupon linked to the movie identification information to the user linked to the received user identification information.

The right side of FIG. 10 shows, as an example, a case where 200 yen points are awarded for a 1000 yen payment in response to the user acquiring a second coupon of 20% off. In this case, the information management unit 140 stores 200 yen worth of points in the “held points” of the user information 172, as in the case of the first coupon, and the payment processing unit 130 , the points held are preferentially subtracted from the payment amount, and the remaining amount is subtracted from the charge balance or the available amount for deferred payment.

In addition, in the explanation of FIGS. 9 and 10 above, the manager of the store S or movie theater T manually executes the store scan, but the above operation of the manager is performed by an unmanned cash register or an automatic ticket vending machine. It can be replaced by

In this way, unlike the first coupon whose conditions are set in advance by the member store or store manager, the coupon generation unit 150 generates dynamically changing index values, such as products sold by the member store or Based on the inventory information of the service, the product or service for which the second coupon is issued is changed in real time, and the discount rate of the second coupon is set. That is, the generation of the second coupon is fluid and full of surprises, and the user of the electronic payment service searches for such a second coupon that is full of surprises from the top screen IM of the payment application 20. and can be used. As a result, the coupon generation unit 150 and the information notification unit 160 according to the present embodiment can motivate users to frequently check information regarding electronic payment services and improve customer loyalty to the electronic payment services. I can do it. Furthermore, since the second coupon can promote the purchase of products with close expiration dates and services with close supply deadlines, the coupon generation unit 150 and the information notification unit 160 according to the present embodiment It is possible to encourage users to engage in environmentally friendly purchasing behavior, while improving the income and expenditure of member stores that issue the card.

In the explanation of FIG. 9 above, the store manager prints the second coupon sent from the payment server 100 and pastes it on the corresponding product, and the user prints the second coupon sent from the payment server 100 and pastes it on the corresponding product. By finding the mark M2 on the label L, the discount rate of the second coupon is recognized. However, the present invention is not limited to such a configuration, and the user terminal device 10 uses the barcode B of the label L attached to the second coupon to inform the user of the discount of the second coupon. The rate may be recognized.

FIG. 11 is a diagram showing an example of a method in which the user terminal device 10 displays the discount rate of the second coupon. As shown in FIG. 11, when the user starts the payment application 20 of the user terminal device 10 and photographs the barcode B of the label L, the payment application 20 reads the code information included in the barcode B, and reads the code information included in the barcode B, e.g. , the discount rate of the product is specified from the code information by making an inquiry to the payment server 100. When the payment application 20 specifies the discount rate of the product, it notifies the user of the discount rate in a manner corresponding to the specified discount rate. For example, as shown in FIG. 11, the payment application 20 sets different colors for different discount rates, and causes the photographed barcode B to emit light in the color corresponding to the specified discount rate. Further, for example, the payment application 20 may display the specified discount rate as text information. With this configuration, users can enjoy the game of searching for products in stores for which a second coupon with a higher discount rate is offered, and can further improve customer loyalty to electronic payment services. .

Furthermore, in the above description, the coupon generation unit 150 acquires the inventory information of the member store's store from the information distribution server 200, and automatically determines the products or services for which the second coupon is to be provided and the discount rate thereof. It is set to . However, the present invention is not limited to such a configuration, and the information distribution server 200 transmits the inventory information of the member store's store to the second store terminal device 70 via the payment server 100, and the store manager , the product or service to which the second coupon is provided and the discount rate thereof may be set on the member store interface 72 of the second store terminal device 70.

FIG. 12 is a diagram showing an example of a method for the store manager to set the second coupon on the member store interface 72 of the second store terminal device 70. In FIG. 12, the affiliated store interface 72 includes an area A6 representing the affiliated store logged into the affiliated store interface 72 and its account (affiliated store account or store account), and a menu that can be operated via the affiliated store interface 72. An area A7 representing the menu A7 and an area A8 displaying information regarding the item selected from the menu A7 are displayed. FIG. 12 shows, as an example, a screen that is displayed when a store manager logs into the affiliated store interface 72 using a store account and selects the second coupon on the menu.

As shown in FIG. 12, for example, when a member store handles food as a product, the second store terminal device 70 receives information from the information distribution server 200 about products with near expiration dates (in other words, Then, information regarding products whose period between the expiration date and the present time is within a threshold value is acquired, and the acquired information is displayed as a table TB. In this case, the second store terminal device 70 may obtain the information directly from the information distribution server 200 or may obtain the information via the payment server 100. At that time, the information notification unit 160 may display proposal information on the screen of the affiliated store interface 72 proposing to issue a second coupon for a product with a near expiration date, as shown in FIG. 12 .

Next, the store manager selects the product for which the second coupon is to be issued and its discount rate from among the products displayed in the table TB, and presses the button B3. When the store manager presses button B3, the second store terminal device 70 transmits the second coupon settings entered by the store manager to the payment server 100, and the coupon generator 150 sends the received second coupon settings to the payment server 100. Based on the setting contents of the second coupon, code information of the second coupon is generated and stored as coupon information 178.

At the same time, the information notification unit 160 transmits the generated code information of the second coupon to the second store terminal device 70, and the second store terminal device 70 prints the received code information. Thus, unlike the first coupon, which requires manual setting of thumbnail images, promotional text, etc., the second coupon can be generated automatically by the coupon generator 150 or through simple selection by the store manager. , can be generated. In particular, since it is difficult to take the time to create coupons for products whose expiration date is near, such a configuration can reduce the burden of coupon creation on store managers.

Note that although FIG. 12 shows, as an example, an interface 72 for member stores for generating a second coupon for a product, an interface 72 for member stores for generating a second coupon for a service is also provided in the same way. be able to. For example, the second store terminal device 70 acquires information regarding the movie that the movie theater is showing on that day and the number of vacant seats from the information distribution server 200, and displays the acquired information as a table TB. At this time, the second store terminal device 70 may acquire from the information distribution server 200 only information related to movies for which the number of vacant seats is greater than or equal to a threshold value, display it as table TB, and propose generation of a second coupon. When the theater manager selects the movie for which he/she wishes to issue a second coupon and its discount rate from among the movies displayed on the table TB and presses button B3, the second store terminal device 70 The setting contents of the second coupon inputted by the theater manager are transmitted to the payment server 100, and the coupon generating section 150 generates code information of the second coupon based on the received setting contents of the second coupon. and stored as coupon information 178.

Furthermore, in FIG. 12, the information notification unit 160 acquires information regarding products or services with near expiry dates from the information distribution server 200, which is the inventory management server of the affiliated store, and proposes generation of a second coupon based on rules. ing. In addition, the payment server 100 acquires external distribution information from an external information distribution server via an API (Application Programming Interface), and compares the acquired external distribution information with the purchase amount of products or services at member stores. A machine learning model for proposing generation of the second coupon based on the recorded information may be generated in advance. For example, the payment server 100 acquires weather information (e.g., weather classification, temperature, humidity, etc.) from the information distribution server 200 that distributes weather information via an API, and uses the acquired weather information and product information at member stores. Changes in purchasing volume are linked and recorded, and based on the recorded information, a machine learning model is generated in advance that outputs a predicted value of the purchasing volume of products at member stores in response to input of weather information. Then, the information notification unit 160 inputs the weather information of the day into the generated machine learning model in chronological order, and determines the timing when the predicted value of the purchase amount is less than a predetermined value (for example, when there is a significant decrease in the purchase amount due to bad weather). At the predicted timing), suggestion information proposing to generate a second coupon is displayed on the member store interface 72. Further, for example, the payment server 100 acquires new product information regarding a new product newly released by a member store via an API from the information distribution server 200 that distributes new product information, and sends the information to the member store interface 72. , displaying suggestion information suggesting generation of a second coupon for the new product. After confirming the proposal information, the store operator generates and prints a second coupon on the affiliated store interface 72, and affixes the second coupon to the store's products. With this configuration, even in complex situations that do not apply to a simple rule base regarding inventory information, it is possible to contribute to improving profits for member stores by proposing the generation of a second coupon to store operators. can.

[Processing flow]
Next, with reference to FIG. 13, the flow of electronic payment using the second coupon will be explained. FIG. 13 is a sequence diagram showing an example of the flow of electronic payment using the second coupon. First, the information distribution server 200 transmits inventory information regarding products to the payment server 100 (S21). Next, upon receiving the inventory information, the payment server 100 generates a second coupon for products with near expiration dates and stores them as coupon information 178 (S22). Next, the payment server 100 notifies the payment application 20 and the second store terminal device 70 of information regarding the generated second coupon (S23). More specifically, the payment server 100 notifies the second store terminal device 70 of code information that specifies the second coupon, while the payment application 20 is notified that the second coupon is generated by the member store. Notification of information indicating that the In this case, the payment server 100 may send a push notification to the payment application 20, or when the user starts the payment application 20, a new second coupon is displayed on the top screen IM in FIG. Information indicating that it has been generated may be displayed. Further, for example, the payment server 100 may display information indicating that the second coupon has been generated on various SNS or applications as an advertisement.

Next, the second store terminal device 70 prints a second coupon based on the notified code information, and the store manager attaches the printed second coupon to the product (S24). On the other hand, when the user confirms that a new second coupon has been generated, the user visits a store that sells the product for which the second coupon was issued and uses the payment application 20 to electronically pay for the product. (S25). In response, the payment server 100 gives the user points corresponding to the discount rate of the second coupon used by the user (S26). Next, the payment application 20 displays a payment completion screen (S27). This completes the processing of this sequence diagram.

According to the present embodiment described above, the coupon generation unit 150 sets a discount rate for a discount coupon that can be used in an electronic payment service that processes payments for purchases at physical stores, and The information notification unit 160 generates a discount coupon, and notifies the user terminal device used by the user of the generation of the discount coupon. Set the discount rate based on the index value. Thereby, customer loyalty to electronic payment services can be improved.

In addition, in the above embodiment, for convenience of explanation, the first coupon whose conditions are set in advance by the member store or store manager, and the first coupon which is generated automatically by the coupon generation unit 150 or through a simple selection by the administrator. The case where the second coupon is used separately has been explained. However, the present invention is not limited to such a configuration, and the payment processing unit 130 may allow the user to use the first coupon and the second coupon together. Thereby, customer loyalty to electronic payment services can be further improved.

Furthermore, in the embodiment described above, the coupon generation unit 150 determines the discount rate to be applied to the second coupon from among a plurality of candidates according to the index value (for example, the closer the product's expiration date is, the , the discount rate is set high). However, the present invention is not limited to such a configuration, and the coupon generation unit 150 may randomly set the discount rate to be applied to the second coupon from among a plurality of candidates, or may set the discount rate to be applied to the second coupon according to the index value. The discount rate may be randomly varied up and down based on the discount rate determined by the above. As a result, the user can enjoy the game of searching the store for a product for which a second coupon with a higher discount rate is provided, and can further improve customer loyalty to the electronic payment service.

[Modification 1]
In the above embodiment, a case has been described in which the dynamic index value referred to to generate the second coupon is inventory information of products or services sold by a member store. On the other hand, as a first modification, the dynamic index value referred to in order to generate the second coupon may be a change in the purchase amount of products or services sold by a physical store over time. More specifically, for example, the coupon generation unit 150 obtains the relationship between each time period (for example, every hour) and the purchase amount of products or services sold by the physical store from the member store's information distribution server 200. A second coupon that can be used for a time period when the purchase amount of the product or service is low may be issued. In this case, the coupon generation unit 150 may set a higher discount rate for a time period in which the purchase amount is lower. As a result, users can enjoy the volatility of coupons by using the payment application 20 to view what kind of second coupons are issued in each time period, and increase customer loyalty to electronic payment services. can be further improved.

[Modification 2]
Furthermore, for example, as a second modification, the dynamic index value referred to in order to generate the second coupon may be a change in the purchase amount of products or services sold by a physical store depending on changes in the weather. good. More specifically, for example, the coupon generation unit 150 may include weather information (for example, information representing weather-related classifications such as "sunny,""cloudy," and "rainy," and information such as temperature and humidity. ) from the information distribution server 200 that distributes information indicating the relationship between each type of weather and the purchase amount of products or services sold by physical stores. 2 coupons may be issued. In this case, the coupon generation unit 150 may set a higher discount rate when the purchase amount is lower in weather.

Further, the coupon generation unit 150 may record the relationship between weather information and the purchase amount of each product, and issue a second coupon for a product with a high purchase amount in accordance with the weather. For example, if the coupon generation unit 150 finds that the purchase amount of "hot coffee" tends to be high when it is "rainy" and "the temperature is 10 degrees or less," the coupon generation unit 150 may use the coupon only during the weather period when the conditions apply. A possible second coupon may be issued. As a result, users can enjoy the variability of coupons by using the payment application 20 to find out what kind of second coupon is issued in each weather, further increasing customer loyalty to electronic payment services. can be improved.

[Modification 3]
Furthermore, for example, as a third modification, the dynamic index value referred to in order to generate the second coupon may be an index value representing the popularity of the external event that has occurred. More specifically, for example, the coupon generation unit 150 acquires trend information from an information distribution server 200 such as a social networking service (SNS) or a news distribution site, and issues a second coupon in accordance with the trend information. You can. For example, when the coupon generation unit 150 acquires a keyword related to "soccer" as trend information on a certain SNS, it may issue a second coupon targeting goods related to soccer. At this time, the coupon generation unit 150 may set a higher discount rate as the index value representing the degree of popularity is higher. For example, the coupon generation unit 150 sells goods related to soccer the more users mention topics related to “soccer” on a certain SNS, or the more articles related to “soccer” are viewed on a news distribution site. The discount rate of the second coupon may be increased. As a result, users can enjoy the volatility of coupons by using the payment app 20 to search for what kind of second coupon is being issued when a popular event occurs in the world, and Customer loyalty to the service can be further improved.

Note that a plurality of dynamically changing index values (inventory information, changes in purchase amount according to changes in time, changes in purchase amount according to changes in weather, (the popularity of the external event) may be combined with each other and used as reference information for generating the second coupon. In that case, the coupon generation unit 150 uses machine learning to learn the relationship between these multiple index values, the discount rate of the second coupon, and the purchase amount of each product, and maximizes the purchase amount of each product. The discount rate of the second coupon may be set to , and the second coupon may be issued.

[Modification 4]
Further, in the above embodiment, as an example, a case has been described in which store scanning is utilized to perform electronic payment using the second coupon. On the other hand, as a fourth modification, electronic payment using a second coupon may be performed by utilizing a user scan according to the second pattern (hereinafter referred to as a second user scan). The details of the second user scan will be explained below.

[Payment app display screen]
FIG. 14 is a diagram illustrating an example of a store code reading screen 300 of the payment application 20 according to the fourth modification. When the user starts the payment application 20 on the user terminal device 10 and selects (tap) the icon corresponding to the second user scan on the home screen of the payment application 20, the store code reading screen shown in FIG. 14 is displayed. 300 is displayed on the display section of the user terminal device 10.

As shown in FIG. 14, the user terminal device 10 uses an optical reading function to read and decode the store code image 60. Thereby, the user terminal device 10 can acquire a store URL in which information that can identify the store is added to the domain of the electronic payment service. The user terminal device 10 transmits first payment information including the store URL and account ID to the payment server 100. The payment server 100 transmits the member store ID, the member store name, and the store name corresponding to the store URL to the user terminal device 10.

In this way, the control unit 240 of the user terminal device 10 reads the store code image (first code information) 60 installed in the store using the camera installed in the user terminal device 10, and uses the read store code The image 60 is decoded, and the affiliated store ID is acquired from the payment server 100 based on the store URL obtained by decoding. Thereby, the user terminal device 10 can specify a member store or the like from which the user intends to purchase a product.

FIG. 15 is a diagram illustrating an example of a product code reading screen 310 of the payment application 20 according to the fourth modification. When the store code image 60 is read on the store code reading screen 300 in FIG. 14, a product code reading screen 310 shown in FIG. 15 is displayed on the display unit 220 of the user terminal device 10.

The product code reading screen 310 includes a reading area 311, a shopping cart button 312, and a payment button 313. The reading area 311 is an area read by the camera of the user terminal device 10. A barcode containing a product ID is attached to the product. When the user places the product so that the barcode of the product is visible in the reading area 311, the barcode of the product is read and decoded by the optical reading function of the user terminal device 10.

In this way, the control unit 240 of the user terminal device 10 reads the barcode (second code information) attached to the product using the camera installed in the user terminal device 10, and decodes the read barcode. do. Thereby, the user terminal device 10 can acquire a product ID for identifying the product.

The user terminal device 10 transmits the member store ID and the product ID to the payment server 100. The payment server 100 transmits product information corresponding to the member store ID and product ID received from the user terminal device 10 to the user terminal device 10. At this time, the payment server 100 identifies whether or not the product indicated by the product ID is eligible for the second coupon by referring to the coupon information 178, and if the product is eligible for the second coupon, , and transmit the discount rate of the second coupon for the product to the user terminal device 10. When the user terminal device 10 receives the discount rate of the second coupon from the payment server 100, the user terminal device 10 displays the discount rate of the second coupon for the product at the bottom of the reading area 311, for example.

The user terminal device 10 adds products to the shopping cart based on the information received from the payment server 100. A shopping cart is a function for temporarily storing products to be purchased. The shopping cart button 312 is a button for displaying detailed information on the products added to the shopping cart on the display section 220. The payment button 313 is a button for displaying a payment screen 330, which will be described below, on the display unit 220.

FIG. 16 is a diagram showing an example of the payment screen 330 of the payment application 20. When the user selects (tap) the payment button 313 shown in FIG. 15, a payment screen 330 shown in FIG. 16 is displayed on the display unit 220 of the user terminal device 10.

The payment screen 330 includes product information 331 to be purchased, point information 332 to be acquired, total amount 333, payment completion button 334, and return button 335. The product information 331 to be purchased is information indicating information (product name, price) regarding the product to be purchased. The point information 332 that is scheduled to be acquired is information regarding the points that are scheduled to be acquired by applying the second coupon through this purchase. The total amount 333 is the amount to be paid by the user, representing the total amount of the products to be purchased.

The payment completion button 334 is a button for instructing payment of the amount shown in the total amount 333. When the user selects (tap) the payment completion button 334, the user terminal device 10 transmits payment information including the payment amount and the like to the payment server 100. The payment server 100 performs electronic payment based on payment information received from the user terminal device 10. With the configuration of Modified Example 4 described above, electronic payment using the second coupon can be implemented in the user scan.

Although the mode for implementing the present invention has been described above using embodiments, the present invention is not limited to these embodiments in any way, and various modifications and substitutions can be made without departing from the gist of the present invention. can be added.

10 User terminal device 20 Payment application 100 Payment server 110 Communication unit 120 Payment content providing unit 130 Payment processing unit 140 Information management unit 150 Coupon generation unit 160 Information notification unit 170 Storage unit

Claims (12)

A discount rate of a discount coupon that can be used in an electronic payment service that processes payments for purchases at a physical store is set for each item or service sold by the physical store, and a discount coupon with the discount rate set is generated. a generation unit to
a notification unit that notifies a user terminal device used by a user of the generation of the discount coupon;
The generation unit sets the discount rate based on an index value that is related to the electronic payment service and changes dynamically,
The notification unit notifies the user terminal device of the generation of the discount coupon without disclosing the set discount rate for each item or service.
Information processing device. A discount rate of a discount coupon that can be used in an electronic payment service that processes payments for purchases at a physical store is set for each item or service sold by the physical store, and a discount coupon with the discount rate set is generated. a generation unit to
a notification unit that notifies a user terminal device used by a user of the generation of the discount coupon;
The generation unit sets the discount rate based on an index value that is related to the electronic payment service and changes dynamically,
The notification unit notifies the user terminal device of the generation of the discount coupon without disclosing the goods or services for which the discount rate has been set.
Information processing device. The dynamically changing index value represents inventory information of goods or services sold by the physical store,
The generation unit sets the discount rate based on the inventory information.
The information processing device according to claim 1 or 2. The notification unit notifies a store terminal device of the physical store of information for printing a discount code including information regarding the discount rate set for the article,
The information processing device performs a payment process for processing a payment by applying the discount coupon with the discount rate set to the article in response to the store terminal device reading the printed discount code. further comprising:
The notification unit notifies the store terminal device of information for printing a discount code that is displayed differently depending on the discount rate and that is affixed to each of the articles displayed at the physical store. do,
The information processing device according to claim 3. The notification unit notifies the store terminal device of information for printing discount codes that are displayed differently depending on the discount rate.
The information processing device according to claim 4. The dynamically changing index value represents a change in the purchase amount of goods or services sold by the physical store over time,
the generation unit sets the discount rate based on the purchase amount corresponding to the time;
The information processing device according to claim 1 or 2. The dynamically changing index value represents a change in the purchase amount of goods or services sold by the physical store according to changes in the weather,
The generation unit sets the discount rate based on the purchase amount corresponding to the weather.
The information processing device according to claim 1 or 2. The dynamically changing index value is an index value representing the prevalence of the external event that has occurred,
The generation unit sets the discount rate based on the index value,
The information processing device according to claim 1 or 2. The computer is
A discount rate of a discount coupon that can be used in an electronic payment service that processes payments for purchases at a physical store is set for each item or service sold by the physical store, and a discount coupon with the discount rate set is generated. death,
Notifying the generation of the discount coupon to a user terminal device used by the user;
The generation includes setting the discount rate based on an index value that is related to the electronic payment service and changes dynamically,
The notification includes notifying the user terminal device of the generation of the discount coupon without disclosing the set discount rate for each item or service.
Information processing method. to the computer,
A discount rate of a discount coupon that can be used in an electronic payment service that processes payments for purchases at a physical store is set for each item or service sold by the physical store, and a discount coupon with the discount rate set is generated. let me,
Notifying a user terminal device used by the user of the generation of the discount coupon,
The generation includes setting the discount rate based on an index value that is related to the electronic payment service and changes dynamically,
The notification includes notifying the user terminal device of the generation of the discount coupon without disclosing the set discount rate for each item or service.
program. The computer is
A discount rate of a discount coupon that can be used in an electronic payment service that processes payments for purchases at a physical store is set for each item or service sold by the physical store, and a discount coupon with the discount rate set is generated. death,
Notifying the generation of the discount coupon to a user terminal device used by the user;
The generation includes setting the discount rate based on an index value that is related to the electronic payment service and changes dynamically,
The notification includes notifying the user terminal device of the generation of the discount coupon without disclosing the goods or services for which the discount rate has been set.
Information processing method. to the computer,
A discount rate of a discount coupon that can be used in an electronic payment service that processes payments for purchases at a physical store is set for each item or service sold by the physical store, and a discount coupon with the discount rate set is generated. let me,
Notifying a user terminal device used by the user of the generation of the discount coupon,
The generation includes setting the discount rate based on an index value that is related to the electronic payment service and changes dynamically,
The notification includes notifying the user terminal device of the generation of the discount coupon without disclosing the goods or services for which the discount rate has been set.
program.

Images