JP7401714B1 - Information processing device, information processing method, program, and system - Google Patents

Abstract

[Problem] To enable users to effectively utilize granted benefits and improve convenience for users. [Solution] First history information regarding the history of electronic payments performed by a user of an electronic payment service, and one or more benefits provided on the electronic payment service that the user uses in the electronic payment. an acquisition unit that acquires, for a predetermined period, second history information related to the usage history of the benefits that the user has used in the predetermined period, based on the acquired first history information and second history information; a calculation unit that calculates potential profits that could have been obtained by using one or more benefits for each of a plurality of categories, and a user terminal device of the user that calculates the calculated potential profits for each of the plurality of categories; An information processing device, comprising: a control unit for displaying information on an information processing device; [Selection diagram] Figure 1

Description

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

2. Description of the Related Art Conventionally, there has been known a technique for granting benefits to the accounts of users who use electronic payment services. For example, Patent Document 1 discloses a technique for providing a coupon corresponding to an amount corresponding to the usage of an SNS service by the user to the electronic payment service account of the user.

Japanese Patent Application Publication No. 2009-169977

However, the conventional technology does not provide useful information regarding how to use the benefits by the users after giving benefits such as coupons to users of electronic payment services. As a result, the user may not be able to effectively utilize the granted benefits, and the convenience for the user may be low.

The present invention has been made in consideration of such circumstances, and provides an information processing device and an information processing device that allow a user to effectively utilize the benefits granted and improve convenience for the user. One of its objects is to provide methods, programs, and systems.

One aspect of the present invention provides first history information regarding the history of electronic payments performed by a user of an electronic payment service, and one or more benefits provided on the electronic payment service that the user an acquisition unit that acquires, for a predetermined period, second history information regarding the usage history of benefits used in payment; and based on the acquired first history information and second history information, a calculation unit that calculates the potential profit that the user would have obtained by using the one or more benefits for each of a plurality of categories; An information processing device includes a control unit that causes a user terminal device to display information.

According to one aspect of the present invention, an information processing device, an information processing method, a program, and a system are provided that allow a user to effectively utilize granted benefits and improve convenience for the user. be able to.

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. It is a figure showing an example of the contents of coupon information 178. 3 is a diagram showing an example of the contents of history information 180. FIG. 2 is a diagram showing an example of a top screen IM of the payment application 20. FIG. FIG. 3 is a diagram showing an example of a method of using a coupon by the user terminal device 10. FIG. 3 is a diagram showing an example of potential profits calculated by the information management unit 140 and displayed by the user terminal device 10. FIG. 3 is a diagram illustrating an example of detailed information on potential profits related to membership registration, displayed by the user terminal device 10. FIG. 2 is a diagram illustrating an example of detailed information on potential profits regarding unused coupons displayed by the user terminal device 10. FIG. 3 is a diagram illustrating an example of detailed information on potential profits related to coupon usage timing, displayed by the user terminal device 10. FIG. 3 is a flowchart illustrating an example of the flow of processing executed by the information management unit 140. FIG.

DESCRIPTION OF EMBODIMENTS Hereinafter, embodiments of an information processing device, an information processing method, a program, and a system of the present invention will be described with reference to the drawings. The various devices mentioned below, such as "servers," "management devices," and "information providing devices," that provide services to users and perform internal analysis are realized by a group of decentralized devices. Often, the operators operating each device may be different. Furthermore, the owner of the device hardware (cloud server provider) and the operator that actually operates the device may be different. 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 communicates with each of the one or more user terminal devices 10, the one or more first store terminal devices 50, and the one or more second store terminal devices 70, for example, via the network 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 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 providing section 120, a payment processing section 130, an information management section 140, 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 function of the information management unit 140 of the payment server 100 is an example of an "information processing 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, coupon information 178, and history information 180.

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 settings, bank account, credit card number, charge history information, follow member stores, acquired coupons, and points held 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.

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.

FIG. 7 is a diagram showing an example of the contents of the coupon information 178. The coupon information 178 is associated with information such as a coupon ID, member store ID, store ID, benefit details, usage conditions, upper limit number of uses, and expiration date. As will be described later, a coupon is a benefit that is issued to a user by a member store and can be used for electronic payment. In the table shown in FIG. 7, the benefit content is information indicating the content of the benefit provided by the coupon corresponding to the coupon ID. For example, in the case of a coupon with coupon ID "0001", it means that the user can receive a 5% return on the payment amount by using the coupon. The usage conditions are information indicating the conditions under which the coupon can be used at the time of payment. For example, in the case of a coupon with coupon ID "0002", this means that the coupon can be used by the user if the user pays 300 yen or more and registers as a member at an affiliated store. Whether or not a user has registered as a member at a member store can be determined by, for example, whether the user uses the user terminal device 10 to access an external service other than an electronic payment service (i.e., a service provided by the member store). , at the timing of member registration, the member store server that provides the external service shares information indicating membership registration with the payment server 100, and the information management unit 140, based on the shared member information, It is possible to determine whether or not a person has registered as a member at an affiliated store. For example, as will be described later with reference to FIG. 10, when a user acquires a coupon, the information management unit 140 inquires of the member store server whether or not the user has already registered as a member. Good too. In that case, if it is determined that the user is already registered as a member, the information management unit 140 allows the user to obtain a coupon, while if it is not determined that the user is already registered as a member, the information management unit 140 causes the member store server The user terminal device 10 may display link information to the membership registration page provided by the.

The upper limit number of uses is information indicating the upper limit number of times a user can receive a benefit by using the same coupon. The expiration date is information indicating the expiry date when the coupon can be used. For example, the condition for using the coupon with coupon ID "0001" is 2 times, so within the expiration date (September 1, 2023 to September 30, 2023) after the user obtains the coupon, If you make an electronic payment of 300 yen, 800 yen, 1,200 yen, or 600 yen at the member store that issued the coupon, you will receive a 5% refund for each electronic payment of 800 yen and 1,200 yen. This means that 40 points and 60 points will be awarded, and the use of the coupon will end.

FIG. 8 is a diagram showing an example of the contents of the history information 180. The history information 180 is recorded for each user, and includes associated information such as a payment ID, date and time, member store ID, store ID, payment amount, and coupon used. The payment ID is identification information for identifying each electronic payment executed by the user. The date and time is information indicating the date and time when the electronic payment specified by the payment ID was executed. The payment amount is information indicating the payment amount of the electronic payment performed by the user. The usage coupon is a coupon ID that indicates the coupon when the user uses the coupon in electronic payment. If the used coupon does not include a coupon ID, this means that the user executed electronic payment at the store without using the coupon. Among the history information 180, history information that includes at least the payment amount is an example of "first history information", and history information that includes at least the usage coupon is an example of "second history information".

The information management unit 140 stores user information 172, payment content information 174, member store/store information 176, coupon information 178, and history information 180 based on information acquired from the user terminal device 10 and the second store terminal device 70. Manage. The information management unit 140 adds, edits, and deletes new records for user information 172, member store/store information 176, coupon information 178, and history information 180. The information management unit 140 is an example of an “acquisition unit”, a “calculation unit”, and a “control unit” in the claims.

[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 by the 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. 9 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 is "post-pay", which means that the setting is for electronic payment by post-payment. 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.

At the bottom of the operation area CA, for example, a group of buttons (switches) M1 to M2 for starting a mini app is further displayed. A mini app is an app that operates using the payment app 20 as a platform and provides some kind of service. The service provider develops the mini-application by referring to an SDK (Software Development Kit), which is a program, technical documents, etc. for application development provided by the administrator of the payment application 20. The mini app is, for example, an app that operates while the payment app 20 is activated. For example, when the payment application 20 is installed, some or all of the mini-apps may be installed, or some or all of the mini-apps may be installed from a service server corresponding to the mini-app. For example, when a mini app starts, a service server (not shown) that provides a service corresponding to the mini app is accessed, and the mini app and the service server cooperate to provide the service to the user. At this time, the service server may be the payment server 100 itself, or may be an external server different from the payment server 100. In FIG. 7, as an example, a button M1 of a mini app that provides a coupon function (including a coupon and a second coupon) described below, and a button M2 of a mini app that provides a function of managing charge balances as assets are displayed. However, buttons may be displayed to launch various types of mini-apps, such as a payment app for paying public transportation fares. Furthermore, separate buttons may be provided for the coupon and second coupon described below.

[Use of coupon]
FIG. 10 is a diagram illustrating an example of how the user terminal device 10 uses a coupon. The screen on the left side of FIG. 10 is displayed on the user terminal device 10, for example, when 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 the coupon button M1 on the top screen IM of FIG. 9 and searches for a store that provides coupons.

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. 10, for example, when the user taps "Coupon", which is one tab included in area A2, coupons that can be used by the user for electronic payment at the store at the present time are displayed. For example, when a user presses a button B2 for following a member store and acquiring a coupon, the payment application 20 transfers information indicating that the acquisition button B2 was pressed to the user's identification information (for example, account ID) to the payment server 100, and the information management unit 140 stores the identification information (for example, coupon ID) of the coupon acquired by the user in the "acquired coupon" of the user information 172. As a result, the user and the coupon acquired by the user are associated with each other.

When the user terminal device 10 executes an electronic payment after the user acquires a coupon, the information management unit 140 refers to the coupon information 178 and determines whether the electronic payment is the use of the coupon the user has acquired. It is determined whether the electronic payment satisfies the conditions and is within the upper limit number of uses and expiration date. If the information management unit 140 determines that the electronic payment satisfies the usage conditions of the coupon that the user has acquired and is within the upper limit number of uses and expiration date, the information management unit 140 will notify the user of the content of the coupon. Give appropriate benefits. For example, in the case of the coupon ID "C0001" of the coupon information 178 shown in FIG. If it is determined that the expiration date is within "September 1, 2023 to September 30, 2023", points equivalent to 5% of the payment amount will be awarded.

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. 10 shows, as an example, a case where 25 yen points are given for a 500 yen payment in response to the user acquiring a 5% off coupon. 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.

[Operation of information management department]
In this way, a user can receive benefits such as points by, for example, visiting a member store dedicated page, acquiring a coupon provided by the member store, and making an electronic payment using the acquired coupon. be able to. However, with conventional technology, users do not necessarily know all types of coupons that can be used for their own electronic payments, and even when they use coupons, they do not necessarily maximize their own profits. It doesn't necessarily mean that you are using it the way you want. As a result, the user cannot effectively utilize the provided benefits, and the coupon system provided by the conventional technology may be less convenient for the user.

With the above-mentioned circumstances as a background, in the present embodiment, the information management unit 140 acquires history information 180 for a predetermined period, and based on the acquired history information 180, the information management unit 140 determines whether the user has used a coupon during the predetermined period. The potential profits that could have been obtained are calculated for each of the plurality of categories, and the calculated potential history is displayed on the user terminal device 10 for each of the plurality of categories. The details of the processing executed by the information management unit 140 will be described below.

FIG. 11 is a diagram showing an example of potential profits calculated by the information management unit 140 and displayed by the user terminal device 10. As an example, the potential profits shown in FIG. 11 are calculated by the information management unit 140 based on the history information 180 shown in FIG. This is what was displayed. The screen shown in FIG. 11 may be displayed when the user further selects the report screen after selecting the coupon button M1 on the top screen shown in FIG. 9, or the screen shown in FIG. For example, it may be displayed on the user terminal device 10 by push notification.

As shown in FIG. 11, the information management unit 140 stores, for example, an area A6 on the user terminal device 10 that shows the points that the user has earned by using coupons during a predetermined period, and Areas A7 to A9 are displayed for displaying the potential profits of. Area A7 represents a category related to potential profits that the user could have obtained by using a coupon that becomes available due to being registered with an external service different from the electronic payment service. For example, in the history information 180 shown in FIG. 8, the user did not use the coupon with the coupon ID "C0002" that he could have obtained if he had registered as a member at the member store with the member store ID "24685". An electronic payment of 900 yen is made on the 17th of the month. In other words, in that case, the user has failed to earn the 45 points that could have been earned by using the coupon, so the information management unit 140 considers the user's potential benefit to be 45 points if he or she had registered as a member. Information indicating that more points could be acquired is displayed in area A7. At this time, the information management unit 140 may further display a button B3 for confirming details of potential profits related to membership registration, and in response to a click by the user, transition to a page with details of potential profits.

FIG. 12 is a diagram showing an example of detailed information on potential profits related to membership registration, displayed by the user terminal device 10. The screen shown in FIG. 12 is displayed, for example, at the timing when the user presses button B3 on the screen shown in FIG. 11. As shown in area A10 of FIG. 12, the information management unit 140 provides detailed information on potential profits, such as at what timing within a predetermined period the user registered as a member of an external service and acquired a coupon. information on whether they could have actually received the potential benefit. For example, in the case of the history information 180 shown in FIG. 8, the information management unit 140 stores potential profits (i.e., 45 points) in the case where the person registered as a member of an external service and acquired a coupon before September 17th. Information indicating that the service was actually received is displayed on the user terminal device 10. At this time, as shown in the lower part of FIG. 12, the information management unit 140 may cause the user terminal device 10 to display an external link as a button B6 for transitioning to a dedicated page for registering as a member of an external service. . In this way, by displaying an external link to the membership registration page together with detailed information on the potential benefits associated with membership registration, it is possible to promote membership registration by users and increase convenience for the users. can. Furthermore, it is possible to effectively support the promotional activities of member stores that wish to promote membership registration.

Returning to the explanation of FIG. 11, area A8 represents a category related to the potential profit that the user could have obtained by using a coupon that the user did not use during the predetermined period. For example, in the history information 180 shown in FIG. 8, the user did not use the coupon with the coupon ID "C0003" issued by the member store with the member store ID "472213", and on September 22nd, the user received electronic mail worth 1,400 yen. Payment is being made. In other words, in that case, the user has failed to obtain the 42 points that could have been obtained by using the coupon, so the information management unit 140 has not earned the coupon as a potential profit for the user. In this case, information indicating that it was possible to obtain an additional 42 points is displayed in area A8. At this time, the information management unit 140 may further display a button B4 for checking the details of the potential profit regarding the unused coupon, and in response to a click by the user, transition to the details page of the potential profit. .

FIG. 13 is a diagram showing an example of detailed information on potential profits regarding unused coupons displayed by the user terminal device 10. The screen shown in FIG. 13 is displayed, for example, at the timing when the user presses button B4 on the screen shown in FIG. 11. As shown in area A11 of FIG. 13, the information management unit 140 provides detailed information on the potential profit, such as when the user has acquired the coupon within a predetermined period and the actual potential profit. Display information indicating whether the applicant was able to receive the test. For example, in the case of the history information 180 shown in FIG. 8, the information management unit 140 determines whether the potential profit (i.e., 42 points) could actually be received if the coupon had been acquired before September 22nd. The user terminal device 10 displays information indicating that the At this time, as shown in the lower part of FIG. 13, the information management unit 140 may cause the user terminal device 10 to display an external link for transitioning to the member store's dedicated page as a button B7, or However, if another coupon has been issued, an acquisition button B8 for acquiring the coupon may be displayed. As another aspect, the information management unit 140 may cause the user terminal device 10 to display the follow button B1 of the affiliated store shown in FIG. 10. As a result, as described above, a notification is sent to the user terminal device 10, for example, every time a member store issues a new coupon. In this way, by displaying detailed information on the potential profits of unused coupons, as well as an external link to a member store dedicated page, coupon acquisition button B8, follow button B1, etc., we encourage users to acquire coupons. , it is possible to improve convenience for the user.

Returning to the explanation of FIG. 11, area A9 indicates categories related to potential profits that the user could have obtained by changing (advancing) the timing of coupon usage (acquisition timing) during a predetermined period. represent. For example, in the history information 180 shown in FIG. I used it for electronic payment of 1000 yen on the 27th and earned 90 points. On the other hand, if the user acquired the coupon before September 11th and used it for electronic payment of 1,700 yen on September 11th and electronic payment of 800 yen on September 21st, This means that the user has earned 125 points. In other words, in that case, the user has failed to earn the 35 points that could have been obtained by using the coupon earlier, so the information management unit 140 uses the coupon earlier as a potential benefit for the user. Information indicating that an additional 35 points could have been obtained if the user had obtained the points is displayed in area A9. At this time, the information management unit 140 may further display a button B5 for confirming the details of the potential profit regarding the timing of using the coupon, and in response to a click by the user, transition to the details page of the potential profit. good.

FIG. 14 is a diagram illustrating an example of detailed information on potential profits related to coupon usage timing, which is displayed by the user terminal device 10. The screen shown in FIG. 14 is displayed, for example, at the timing when the user presses button B5 on the screen shown in FIG. 11. As shown in area A12 of FIG. 14, the information management unit 140 provides detailed information on the potential profit, such as how early in the predetermined period the user has acquired the coupon, the potential profit Display information indicating whether the user was actually able to receive the test. For example, in the case of the history information 180 illustrated in FIG. The user terminal device 10 displays information indicating that the At this time, as shown in the lower part of FIG. 14, the information management unit 140 can compare in more detail the actual coupon usage timing by the user and the usage timing at which more points could have been acquired. It may be displayed in the area A13 as information. Furthermore, as in the case of FIG. 13, the information management unit 140 may also display external links to member store exclusive pages and coupon information that can be obtained at the present time. In this way, along with detailed information on the potential benefits associated with the timing of coupon usage, we can provide information that allows us to compare the actual timing of coupon usage by users with the timing of usage that could have earned more points. By displaying external links to affiliated store-specific pages, coupon acquisition buttons, follow buttons, etc., it is possible to encourage users to acquire coupons and increase convenience for the users.

In the above explanation with reference to FIG. 14, the information management unit 140 calculates the potential profit obtained by advancing the timing of using the coupon as the potential profit regarding the timing of using the coupon, and calculates the potential profit obtained by advancing the timing of using the coupon, and It is displayed on 10. On the other hand, depending on the content of the history information 180, the user may be able to obtain more points by delaying the timing of using the coupon. However, the information management unit 140 does not calculate the potential profit obtained by delaying the coupon usage timing, but only calculates the potential profit obtained by advancing the coupon usage timing. This is because there is a concern that presenting users with potential benefits that can be obtained by delaying the timing of coupon use may slow down users' efforts to acquire coupons. By calculating and displaying only the potential profit that can be obtained by advancing the timing of coupon use, it is possible to reduce the processing load on the information management unit 140 while encouraging the user to acquire coupons.

Furthermore, in the above explanation using FIGS. 11 to 14, for convenience of explanation, the potential benefits related to membership registration, the potential benefits related to unused coupons, and the potential benefits related to the timing of coupon usage are each considered to be a single value. We have explained the applicable example regarding the coupon. However, more generally, the information management unit 140 comprehensively extracts coupon candidates that the user used or was available for use in a predetermined period in the past based on the history information 180, and extracts the extracted coupons. By comprehensively searching for combinations of candidate acquisition timings, the potential benefits related to membership registration, potential benefits related to unused coupons, and potential benefits related to coupon usage timing are each applicable to multiple coupons. These potential profits can be calculated even if

In this case, for example, if there are multiple coupons that correspond to the potential profit related to membership registration, the information management unit 140 will calculate the total value of the potential profit of these coupons as the potential profit related to membership registration on the screen shown in FIG. It may be displayed in area A7, or the potential profit may be displayed for each coupon. Further, in this case, the information management unit 140 may display a plurality of external links for registering as members of a plurality of external services on the screen shown in FIG. 12. Similarly, when there are multiple coupons that correspond to the potential profit related to unused coupons, the information management unit 140 calculates the total value of the potential profit of these coupons as the potential profit related to the unused coupons on the screen shown in FIG. 11. It may be displayed in area A8, or the potential profit may be displayed for each coupon. Similarly, when there are multiple coupons that correspond to the potential profit related to the coupon usage timing, the information management unit 140 shows the total value of the potential profit of these coupons as the potential profit related to the coupon usage timing as shown in FIG. 11. It may be displayed in area A9 of the screen, or the potential profits may be displayed for each coupon. When displaying the potential profit for each coupon, the information management unit 140 may separately calculate the acquisition timing of the coupon corresponding to each potential profit and display it on the user terminal device 10. For example, the information management unit 140 may specify a single coupon acquisition timing at which the sum of potential profits of each coupon is maximum and display it on the user terminal device 10. good. As a result, the user can know the coupon acquisition timing that maximizes the potential profit through a single access without having to access the payment application 20 multiple times.

Furthermore, in the above explanation with reference to FIGS. 11 to 14, the information management unit 140 calculates and displays the maximum potential profit for the user (unless the coupon usage timing is delayed). On the other hand, as another aspect, the information management unit 140 stores the information obtained when the user registers as a member and acquires the coupon at the initial timing when the coupon is issued (for example, on the first day of the coupon's validity period). Potential profits may be calculated and displayed. For example, in the case of FIG. 13, the information management unit 140 sets the value and timing at which the potential profit is maximized (i.e., 42 points on September 22nd) to the user terminal as the potential profit regarding the unused coupon. Although displayed on the device 10, the information management unit 140 may calculate and display the potential profit that would have been obtained if the user had acquired the coupon on the first day of its validity period. In this case, the information management unit 140 displays on the user terminal device 10, on the screen shown in FIG. It will be necessary to do so. With this configuration, it is possible to encourage users to acquire coupons at an early timing.

In general, the potential benefit that would have been gained if the coupon had been earned earlier in its validity period (e.g., on the first day) is greater than the potential benefit that could have been gained if the coupon had been earned earlier. The value will be the same or lower (this is because the actual coupon acquisition timing is necessarily after the initial timing of the coupon validity period). When these potential profits take the same value, the information management unit 140 sets the period from the former timing to the latter timing itself as the timing at which the potential profit of the coupon is maximized, and sends the information to the user terminal device 10. It may be displayed. For example, in the case of Figure 14, the potential profit obtained if the coupon was earned on the first day of its validity period (i.e., September 1st) and the potential profit obtained if the coupon was obtained before September 11th. Since the obtained potential profit is the same value (that is, 35 points), the information management unit 140 sets the period from September 1st to September 11th as the timing when the potential profit of the coupon is maximized. may be displayed on the user terminal device 10. As another aspect, by default, the information management unit 140 displays the potential profit that would have been obtained if the coupon was acquired at an early timing of the validity period, and the information management unit 140 displays the potential profit that would have been obtained if the coupon was acquired at an early timing of the validity period, and Only when the obtained potential profit exceeds this potential profit, the potential profit obtained when the timing of actual coupon acquisition is advanced may be displayed. In either case, the information management unit 140 may display either or both of the initial timing corresponding to the potential profit and the timing at which the actual coupon acquisition is accelerated.

[Processing flow]
Next, with reference to FIG. 15, the flow of processing executed by the information management unit 140 according to this embodiment will be described. FIG. 15 is a flowchart illustrating an example of the flow of processing executed by the information management unit 140. The process of the flowchart shown in FIG. 15 is executed every predetermined period of time, such as one month, for example.

First, the information management unit 140 acquires history information 180 for each user for a predetermined period (step S100). Next, the information management unit 140 deletes records in which there are no applicable coupons from the history information 180 based on the coupon information 178 (step S102). Records of history information 180 that remain as a result of this process include electronic payments in which the user used a coupon during a predetermined period, and electronic payments that the user did not use even though the coupon was available during the predetermined period. This is a record related to payment.

Next, the information management unit 140 classifies the remaining records of the history information 180 into groups to which only a single coupon can be applied (step S104). For example, in the case of the history information 180 shown in FIG. 8, the information management unit 140 stores the payment IDs "T0100", "T0101", "T0104", "T0106", "T0107" to which only the coupon with the coupon ID "C0001" can be applied. '', a group including records with payment ID "T0102" to which only the coupon with coupon ID "C0002" can be applied, and a group with payment ID "T0103" to which only the coupon with coupon ID "C0003" can be applied. Classify into a group that includes the record “T0105”.

Next, the information management unit 140 identifies the potential profit category of each classified group (step S106). For example, the information management unit 140 determines whether each group falls under either the category of potential profits related to membership registration or the category of potential profits related to unused coupons, and determines that each group does not fall under either of these categories. The determined groups may be automatically classified into categories of potential benefit regarding the timing of coupon usage. Next, the information management unit 140 comprehensively searches for coupon acquisition timing for each classified group and calculates potential profit (step S108). Next, the information management unit 140 calculates the total potential profit and its detailed information (for example, the potential profit for each group, the coupon acquisition timing that maximizes the potential profit, information on links to external services, etc.) etc.) is transmitted to the user terminal device 10 and displayed for each category (step S110). This completes the processing of this flowchart.

According to the embodiment described above, the first history information regarding the history of electronic payments performed by the user of the electronic payment service, and the first history information regarding the history of electronic payments performed by the user of the electronic payment service, and one or more benefits provided on the electronic payment service. second history information regarding the usage history of the benefits used in the predetermined period, and based on the acquired first history information and second history information, the user uses one or more benefits in the predetermined period. The potential profits that would have been obtained by the calculation are calculated for each of the plurality of categories, and the calculated potential profits are displayed on the user terminal device of the user for each of the plurality of categories. This allows the user to effectively utilize the granted benefits and improve convenience for the user.

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 120 Payment content providing unit 130 Payment processing unit 140 Information management unit 170 Storage unit

Claims (10)

First history information regarding the history of electronic payments performed by the user of the electronic payment service, and use of the benefits used by the user in the electronic payment among one or more benefits provided on the electronic payment service. an acquisition unit that acquires second history information regarding the history for a predetermined period;
Based on the acquired first history information and second history information, calculate the potential profit that the user would have obtained by using the one or more benefits during the predetermined period for each of a plurality of categories. a calculation unit that performs
a control unit that displays the calculated potential profit on a user terminal device of the user for each of the plurality of categories;
Information processing device. The plurality of categories include categories related to potential profits that the user could have obtained by using the benefits that are made available by being registered with an external service different from the electronic payment service,
The calculation unit calculates, based on the acquired first history information and second history information, that the user should have been able to obtain the benefit by using the benefit obtained by being registered with the external service. calculate the potential profit of
The information processing device according to claim 1. The plurality of categories include categories related to potential profits that could have been obtained by using the benefits that the user did not use during the predetermined period, among the one or more benefits,
The calculation unit calculates, based on the acquired first history information and second history information, that the user should have obtained the benefits by using the benefits that the user did not use during the predetermined period. calculate the potential profit of
The information processing device according to claim 1. The plurality of categories include categories related to potential profits that could have been obtained by varying the timing of the use of the benefits used by the user during the predetermined period among the one or more benefits,
The calculation unit calculates the potential profit that the user would have obtained by varying the timing of using the benefit, based on the acquired first history information and second history information. ,
The information processing device according to claim 1. The calculation unit does not calculate the potential profit that the user could have obtained by delaying the timing of using the benefit, but calculates the potential profit that the user could have obtained by accelerating the timing of using the benefit. calculate,
The information processing device according to claim 4. The calculation unit calculates the potential profit that the user would have obtained by acquiring the benefit at the start timing of the validity period of the benefit.
The information processing device according to claim 4. The control unit causes the user terminal device to display detailed information for causing the user to perform a predetermined action according to the plurality of categories, together with the potential profit.
The information processing device according to claim 1. The computer is
First history information regarding the history of electronic payments performed by the user of the electronic payment service, and use of the benefits used by the user in the electronic payment among one or more benefits provided on the electronic payment service. second history information regarding the history for a predetermined period;
Based on the acquired first history information and second history information, calculate the potential profit that the user would have obtained by using the one or more benefits during the predetermined period for each of a plurality of categories. death,
displaying the calculated potential profits for each of the plurality of categories on the user terminal device of the user;
Information processing method. to the computer,
First history information regarding the history of electronic payments performed by the user of the electronic payment service, and use of the benefits used by the user in the electronic payment among one or more benefits provided on the electronic payment service. second history information regarding the history for a predetermined period;
Based on the acquired first history information and second history information, calculate the potential profit that the user would have obtained by using the one or more benefits during the predetermined period for each of a plurality of categories. let me,
displaying the calculated potential profits for each of the plurality of categories on the user terminal device of the user;
program. A system including an information processing device and a user terminal device,
The information processing device includes:
First history information regarding the history of electronic payments performed by the user of the electronic payment service, and use of the benefits used by the user in the electronic payment among one or more benefits provided on the electronic payment service. second history information regarding the history for a predetermined period;
Based on the acquired first history information and second history information, calculate the potential profit that the user would have obtained by using the one or more benefits during the predetermined period for each of a plurality of categories. death,
transmitting the calculated potential profit to the user terminal device;
The user terminal device displays the received potential profits for each of the plurality of categories on the user terminal device of the user.
system.

Images