JP7402369B2 - Granting device, granting method, and granting program - Google Patents

Description

The present invention relates to a granting device, a granting method, and a granting program.

2. Description of the Related Art Conventionally, a technique is known that provides a predetermined profit to a user who purchases a predetermined transaction object. As an example of such a technique, a technique has been proposed in which a discount coupon is issued for an arbitrary product and the discount is paid for the corresponding product at the time of payment at a cash register.

Japanese Patent Application Publication No. 2010-218483

However, the above-mentioned conventional technology is not necessarily convenient for users.

For example, in the above-mentioned conventional technology, when making a payment, the consumer needs to present a coupon issued by a coupon issuing device installed in the store, and the coupon using device needs to read the coupon information, which is not convenient for the user. is not necessarily good.

The present application has been made in view of the above, and aims to provide a granting device, a granting method, and a granting program that improve convenience for users in payment.

The granting device according to the present application includes a reception unit that receives payment information including product code data of a transaction target that is an object of electronic payment using a user terminal used by a user from a store terminal , and a A payment processing unit that executes payment processing according to the payment information, and from the product code data of the transaction target included in the payment information, the application target of the coupon that can be used in the electronic payment service and that has been acquired by the user. a determination unit that determines the transaction object that is outside the scope of the transaction; and a determination unit that determines the amount of the transaction object that is not applicable to the coupon from the total amount of the transaction object included in the payment information, and the remaining amount of the transaction object that is excluded from the transaction object that is not applicable to the coupon. a determining unit that determines the amount as an amount and calculates a benefit according to the amount to which the coupon is applied ; and a granting unit that grants the user a benefit according to the amount to which the coupon is applied calculated by the determining unit. It is characterized by comprising:

According to one aspect of the embodiment, it is possible to improve convenience for users in payment.

FIG. 1 is a diagram illustrating an example of a granting process according to an embodiment. FIG. 2 is a diagram illustrating a configuration example of a payment server according to an embodiment. FIG. 3 is a diagram illustrating an example of an account database according to the embodiment. FIG. 4 is a diagram illustrating an example of the list information database according to the embodiment. FIG. 5 is a diagram illustrating an example of a coupon information database according to the embodiment. FIG. 6 is a diagram illustrating an example of a user information database according to the embodiment. FIG. 7 is a flowchart illustrating an example of the procedure of the granting process according to the embodiment. FIG. 8 is a hardware configuration diagram showing an example of a computer that implements the functions of a payment server.

Below, a form for implementing a giving device, a giving method, and a giving program (hereinafter referred to as "embodiments") according to the present application will be described in detail with reference to the drawings. Note that this embodiment does not limit the imparting device, the imparting method, and the imparting program according to the present application. Further, in each of the embodiments below, the same parts are given the same reference numerals, and redundant explanations will be omitted.

[1. Embodiment]
The granting process realized by the granting device and the like of this embodiment will be described with reference to FIG. 1. FIG. 1 is a diagram illustrating an example of a granting process according to an embodiment. Note that in FIG. 1, it is assumed that the payment processing and the like according to the embodiment are realized by the payment server 10, which is an example of the payment device according to the present embodiment.

As shown in FIG. 1, the grant processing system 1 according to the embodiment includes a payment server 10, a user terminal 100, and a store terminal 200. The payment server 10, the user terminal 100, and the store terminal 200 are connected to be able to communicate with each other by wire or wirelessly via a network N (for example, see FIG. 2). The network N is, for example, a WAN (Wide Area Network) such as the Internet. Note that the grant processing system 1 shown in FIG. 1 may include a plurality of payment servers 10, a plurality of user terminals 100, and a plurality of store terminals 200.

The payment server 10 shown in FIG. 1 is an information processing device that executes the granting process according to the embodiment, and is realized by a server device, a cloud system, or the like. For example, the payment server 10 provides an electronic payment service regarding electronic payment using the user terminal 100. For example, the payment server 10 manages the accounts of providers (business operators) of transaction objects and users to whom transaction objects are provided, and transfers electronic money between accounts in accordance with payment requests from users. By doing so, various payments can be realized. Note that electronic money may be, for example, points or currency used independently by various companies, or may be currency provided by a country such as Japanese yen or dollars that can be electronically transacted. good.

In addition, the payment server 10 transmits coupon information regarding coupons that are given to users in the electronic payment service and that can be used in the electronic payment service to the coupon provider (in other words, plans and settings of the coupon, and provides the source of the coupon). is received from the person who invests (provides) the information, and is managed in the storage unit of the own device. For example, the payment server 10 determines the application conditions under which the coupon is applied to the user (the payee of the payment, the payment amount), the details of the profit granted to the user by the coupon (the cash amount of a predetermined percentage of the payment amount), etc. manage coupon information, including acquisition conditions for users to acquire coupons, etc.

Further, the payment server 10 manages list information indicating a list of transaction targets to be excluded from coupon application targets in its own storage unit. For example, the payment server 10 manages list information set by a coupon provider.

Further, the payment server 10 associates the user with the coupon acquired by the user, and manages the link in the storage unit of its own device.

The user terminal 100 shown in FIG. 1 is an information processing device used by a user. The user terminal 100 is realized by, for example, a smartphone, a tablet terminal, a notebook PC (Personal Computer), a desktop PC, a mobile phone, a PDA (Personal Digital Assistant), or the like. Further, the user terminal 100 displays information distributed by the payment server 10 using a web browser or an application. Note that the example shown in FIG. 1 shows a case where the user terminal 100 is a smartphone.

Note that when the user terminal 100 receives control information for realizing predetermined information processing from the payment server 10, the user terminal 100 realizes the information processing according to the control information. Here, the control information is, for example, a script language such as JavaScript (registered trademark), a style sheet language such as CSS (Cascading Style Sheets), a programming language such as Java (registered trademark), or a mark such as HTML (HyperText Markup Language). It is written in an application language etc. Note that the predetermined application itself distributed from the payment server 10 may be regarded as the control information.

The store terminal 200 shown in FIG. 1 is an information processing device used in a store that provides transactions to users. The store terminal 200 is realized by, for example, a POS (Point of Sales) terminal, a smartphone, a tablet terminal, a notebook PC, a desktop PC, a mobile phone, a PDA, or the like. Further, the store terminal 200 displays information distributed by the payment server 10 using a web browser or an application.

In the example shown in FIG. 1, it is assumed that the store terminal 200 is a POS terminal installed in a store, and manages transaction object information regarding transaction objects provided at the store. For example, the store terminal 200 manages the price of the transaction object by linking it to information (identification information for identifying the product) indicated by a barcode attached to the transaction object.

[1-1. About payment using user terminal 100]
Here, an example of payment (electronic payment) using the user terminal 100 will be described prior to the granting process executed by the payment server 10. In the following explanation, user U1 uses a two-dimensional code (QR code (registered trademark)) placed at store A that indicates store identification information to identify store A. Although an example in which payment is made using the user terminal 100 will be described, the embodiment is not limited to this. An example of a payment described below can be applied to a case where any user makes a payment at any store using any user terminal 100. Further, the store identification information may be not only a QR code but also a bar code, a predetermined mark, a number, etc.

For example, when user U1 makes a payment for the use or purchase of payment objects (transaction objects) such as various products and services at store A, user U1 uses the payment application preinstalled on the user terminal 100. to start. Then, the user U1 photographs the store identification information installed at the store A via the payment application. In such a case, the user terminal 100 displays a screen for inputting the price to be paid, and accepts input of the payment amount from the user U1 or the clerk at store A. The user terminal 100 then stores the user identification information that identifies the user U1 and the store identification information (or the information that the store identification information indicates, that is, the information that indicates the store A (or the business operator M1 of the store A)). For example, payment information indicating the store ID)) and the payment amount is transmitted to the payment server 10.

In such a case, the payment server 10 transfers the amount of electronic money indicated by the payment amount from the account of the user U1 indicated by the user identification information to the account of the store A indicated by the store identification information. The payment server 10 then sends a notification to the user terminal 100 that the payment has been completed. In such a case, the user terminal 100 notifies that the payment has been made using electronic money by displaying a screen or outputting a predetermined sound indicating that the payment has been completed. Here, the payment server 10 may subtract a predetermined fee (management fee, etc.) from the store A's account when transferring the electronic money to the store A's account or at a predetermined timing.

Note that payment using the user terminal 100 is not limited to the processing described above. For example, the payment using the user terminal 100 may be made using the store terminal 200 installed in the store A. For example, the user terminal 100 displays user identification information for identifying the user U1 on the screen. In such a case, the store terminal 200 installed in the store A reads the user identification information displayed on the user terminal 100, and reads the user identification information (or the information indicated by the user identification information, that is, the user Payment information indicating information indicating U1 (for example, user ID), the payment amount, and information identifying store A is transmitted to the payment server 10. In such a case, the payment server 10 transfers the amount of electronic money indicated by the payment amount from the account of the user U1 indicated by the user identification information to the account of the store A, and transfers the amount of electronic money indicated by the payment amount to the store terminal 200 of the store A or The user terminal 100 may be notified that the payment has been made by outputting a screen or a predetermined sound indicating that the payment has been completed.

In addition, the payment using the user terminal 100 is not limited to the process of transferring electronic money from the account to which the user U1 has charged electronic money in advance to the store A's account. Payment may be made using a card. In such a case, for example, the user terminal 100 transfers the electronic money of the payment amount to the store A's account, and requests the payment amount from the credit card management company (card company) of the user U1. You may.

In addition, the payment using the user terminal 100 is not limited to the process of transferring electronic money from the account of the user U1 to the account of the store A. For example, the payment server 10 transfers the payment amount from the account of the user U1. A process may be performed in which the electronic money is withdrawn and the cash amount obtained by subtracting a predetermined fee (management fee, etc.) from the payment amount is deposited into the bank account of store A. In such a case, for example, the payment server 10 manages the payment amount from each user to store A as sales information of store A, and at a predetermined timing, based on the sales information, transfers the sales amount to the bank account of store A. Deposit the amount of cash obtained by subtracting a predetermined fee from (the total amount of payment indicated by the sales information).

Note that if the funds for the coupon used at the time of payment are borne by store A, the payment server 10 may deposit cash into store A's bank account or electronic money into store A's account. At the time of transfer, etc., you may subtract the amount of cash to be paid from the payment amount and deposit it into the bank account, or you may subtract the amount of electronic money from the payment amount and transfer it to the store A's account. .

[1-2. About the overview of the embodiment]
Here, as an example of a technology that gives a predetermined profit to a user who purchases a predetermined transaction object, a discount coupon for an arbitrary product is issued and the discount payment for the corresponding product is made at the time of payment at the cash register. Techniques have been proposed to do this. However, with such technology, when making a payment, it is necessary for the consumer to present a coupon issued by a coupon issuing device installed in the store, and the coupon using device must read the coupon information, making it inconvenient for the user. is not necessarily good.

Therefore, the payment server 10 executes the granting process according to the embodiment. The granting process executed by the payment server 10 will be described below with reference to FIG. In addition, in the following description, an example will be shown in which the user terminal 100 is used by the user U1 and the store terminal 200 is installed in store A. Furthermore, in the following description, the user terminal 100 may be equated with the user U1. That is, below, the user U1 can also be read as the user terminal 100.

In addition, in the following explanation, the payment server 10 transfers the identification information of the transaction object indicated by the JAN code and the information (name, etc.) of the transaction object linked to the JAN code to an external server (JAN code integrated product information database). etc.), and the acquired information is stored in the storage unit of its own device as transaction target information. In addition, in the following explanation, the payment server 10 receives transaction object information, including identification information indicated by an in-store code uniquely assigned by the business operator M1 that manages store A, and transaction object information, such as the name of the transaction object. It is assumed that the information is received from the terminal of the operator to be used and is stored in the storage unit of the own device.

In addition, in the following explanation, the payment server 10 provides coupon information regarding coupon #1 that can be used in payment using the above-mentioned payment application, and list information indicating a list of transaction targets excluded from the application targets of coupon #1. It is assumed that #1 is received from a business terminal used by business operator M1 and is stored in the storage unit of its own device. For example, the payment server 10 provides the business terminal with content indicating transaction target information stored in the storage unit of its own device, and receives coupon information and list information #1 via the content. In the example shown in Figure 1, it is assumed that the application condition of coupon #1 is "payment of 1,000 yen or more to store A" and the profit content is set as "10% of the payment amount as cashback". .

In addition, in the following explanation, a user U1 who satisfies the acquisition conditions for coupon #1 starts a payment application preinstalled on the user terminal 100 and performs a predetermined operation to acquire distributed coupon #1. Assume that you are doing so. In this case, the payment server 10 links the user ID indicating the user U1 and the coupon #1 and manages them in the storage section of its own device.

First, the store terminal 200 reads the barcode and user ID of each transaction object purchased by the user U1 who visited the store A (step S1). For example, at the time of checkout, the store terminal 200 uses a barcode reader or the like to read the identification information indicated by the barcode attached to the transaction object and the user ID displayed on the user terminal 100.

Subsequently, the payment server 10 receives payment information regarding the payment made by the user U1 to the store A from the store terminal 200 (step S2). For example, the payment server 10 stores the store ID of store A, the identification information of the transaction object read by the store terminal 200 in step S1, the total price of each transaction object linked to the identification information (settlement amount), the usage The payment information including the user ID of person U1 is accepted. In the example of FIG. 1, the payment server 10 stores transaction object #1 whose price is "400 yen," transaction object #2 whose price is "600 yen," and transaction object #2 whose price is "500 yen." It is assumed that payment information including identification information No. 3 and payment amount "1,500 yen" has been received.

Subsequently, the payment server 10 determines whether the transaction object indicated by the payment information is included in list information #1 (step S3). Subsequently, the payment server 10 determines how to apply coupon #1 based on the determination result (step S4). Here, if transaction object #1 indicated by the payment information is included in list information #1, and transaction objects #2 and #3 are not included in list information #1, the payment server 10 determines that the price of transaction object #1 is " The mode of application of coupon #1 is determined based on the payment amount "1,100 yen", which is obtained by excluding "400 yen" from the payment amount "1,500 yen". In such a case, the payment server 10 applies the coupon #1 to the user U1 because the payment amount "1,100 yen" satisfies the application condition of the coupon #1, and calculates the amount of profit to be given to the user U1. "110 yen", which is 10% of "1,100 yen", is determined.

Further, if transaction object #2 indicated by the payment information is included in list information #1, and transaction objects #1 and #3 are not included in list information #1, the payment server 10 determines that the price of transaction object #2 is "600 The mode of application of coupon #1 is determined based on the payment amount "900 yen" which is obtained by excluding "Yen" from the payment amount "1,500 yen." In such a case, the payment server 10 determines not to apply the coupon #1 to the user U1 because the payment amount "900 yen" does not satisfy the conditions for applying the coupon #1.

Further, if transaction objects #1 to #3 indicated by the payment information are not included in the list information #1, the payment server 10 determines the application mode of the coupon #1 based on the payment amount "1,500 yen". In such a case, the payment server 10 applies the coupon #1 to the user U1 because the payment amount "1,500 yen" satisfies the application condition of the coupon #1, and calculates the amount of profit to be given to the user U1. "150 yen", which is 10% of "1,500 yen", is determined.

Subsequently, the payment server 10 executes payment processing based on the payment information and grants the profit based on the coupon #1 to the user U1 (step S5). For example, the payment server 10 executes a process of transferring electronic money equivalent to the payment amount "1,500 yen" from the account of the user U1 to the account of the store A. Then, the payment server 10 grants the user U1 a profit according to the application mode determined in step S4. To give a specific example, if transaction object #1 indicated by the payment information is included in list information #1, and transaction objects #2 and #3 are not included in list information #1, the payment server 10 Electronic money equivalent to "Yen" is deposited into the account held by user U1 in the payment application. Furthermore, if transaction objects #1 to #3 indicated by the payment information are not included in list information #1, the payment server 10 deposits "150 yen" worth of electronic money into the account held by the user U1 in the payment application. do. Note that if the transaction object #2 indicated by the payment information is included in the list information #1 and the transaction objects #1 and #3 are not included in the list information #1, the payment server 10 does not grant profits.

As described above, the payment server 10 according to the embodiment applies a coupon to a user based on list information indicating a list of transaction targets to be excluded from coupon application targets. As a result, the payment server 10 according to the embodiment can apply coupons to users and provide profits without having to separately make payments for transaction objects included in the list information and transaction objects not included in the list information. can do. That is, the payment server 10 according to the embodiment can improve convenience for users in payment.

[2. Payment server configuration]
Next, the configuration of the payment server 10 will be described using FIG. 2. FIG. 2 is a diagram illustrating a configuration example of a payment server according to an embodiment. As shown in FIG. 2, the payment server 10 includes a communication section 20, a storage section 30, and a control section 40.

(About the communication department 20)
The communication unit 20 is realized by, for example, a NIC (Network Interface Card). The communication unit 20 is connected to the network N by wire or wirelessly, and transmits and receives information to and from the user terminal 100, the store terminal 200, and the like.

(About the storage unit 30)
The storage unit 30 is realized by, for example, a semiconductor memory element such as a RAM (Random Access Memory) or a flash memory, or a storage device such as a hard disk or an optical disk. As shown in FIG. 4, the storage unit 30 includes an account database 31, a list information database 32, a coupon information database 33, and a user information database 34.

(About account database 31)
The account database 31 stores various information regarding accounts owned by users, stores (business operators), etc. in electronic payment services. Here, an example of information stored in the account database 31 will be explained using FIG. 3. FIG. 3 is a diagram illustrating an example of an account database according to the embodiment. In the example of FIG. 3, the account database 31 has items such as "account ID", "owner information", and "account balance".

“Account ID” indicates identification information for identifying an account. "Owner information" indicates information regarding the owner of the account, and stores, for example, identification information for identifying the owner. “Account balance” indicates the balance of the account.

That is, FIG. 3 shows an example in which the information of the holder of the account identified by the account ID "AID #1" is "User #1" and the account balance is "7,800 yen."

(About list information database 32)
The list information database 32 stores information indicating a list of transaction targets to be excluded from coupon application targets. Here, an example of information stored in the list information database 32 will be explained using FIG. 4. FIG. 4 is a diagram illustrating an example of the list information database according to the embodiment. In the example of FIG. 4, the list information database 32 has items such as "coupon ID" and "list information."

"Coupon ID" indicates identification information for identifying a coupon. "List information" indicates a list of transaction objects to be excluded from coupon application targets, and stores, for example, identification information for identifying transaction objects.

That is, FIG. 4 shows an example in which the transaction target to be excluded from the coupon application target identified by the coupon ID "CID #1" is "list information #1."

(About coupon information database 33)
The coupon information database 33 stores various information regarding coupons applied to users. Here, an example of information stored in the coupon information database 33 will be explained using FIG. 5. FIG. 5 is a diagram illustrating an example of a coupon information database according to the embodiment. In the example of FIG. 5, the coupon information database 33 has items such as "business ID" and "coupon information."

"Business ID" indicates identification information for identifying a business that requests distribution of coupons to users (in other words, a business that provides funds for coupons). "Coupon information" indicates information regarding coupons, and includes items such as "coupon ID," "profit details," and "acquisition conditions." "Coupon ID" indicates identification information for identifying a coupon. “Benefit details” indicates the details of the benefit given to the user by the coupon. “Acquisition conditions” indicate conditions for a user to acquire a coupon (for example, demographic attributes, psychographic attributes, payment history).

That is, in FIG. 5, the coupon provided by the business operator identified by the business ID "MID #1" is identified by the coupon ID "CID #1", the profit content is "profit content #1", and the acquisition condition is An example of "acquisition condition #1" is shown.

(About the user information database 34)
The user information database 34 stores various information regarding users of the electronic payment service provided by the payment server 10. Here, an example of information stored in the user information database 34 will be explained using FIG. 6. FIG. 6 is a diagram illustrating an example of a user information database according to the embodiment. In the example of FIG. 6, the user information database 34 has items such as "user ID,""paymenthistory," and "obtained coupon."

"User ID" indicates identification information for identifying a user. "Payment history" indicates the history of payments made using electronic payment services, and stores information such as payment destination and payment amount. "Obtained coupon" indicates a coupon that the user has obtained from among the coupons indicated by the coupon information stored in the coupon information database 33, and stores, for example, identification information for identifying the coupon.

That is, FIG. 6 shows an example in which the payment history of the user identified by the user ID "UID #1" is "payment history #1" and the acquired coupon is "acquired coupon #1."

(About the control unit 40)
The control unit 40 is a controller, and for example, various programs stored in the storage device inside the payment server 10 use the RAM as a work area by a CPU (Central Processing Unit), an MPU (Micro Processing Unit), etc. This is achieved through execution. Further, the control unit 40 is a controller, and is realized by, for example, an integrated circuit such as an ASIC (Application Specific Integrated Circuit) or an FPGA (Field Programmable Gate Array). As shown in FIG. 2, the control unit 40 according to the embodiment includes a reception unit 41, a determination unit 42, a determination unit 43, a payment processing unit 44, and a provision unit 45, and includes information as described below. Achieve or execute a processing function or action.

(About the reception department 41)
The receiving unit 41 receives payment information including identification information for identifying a transaction object to be paid using a user terminal used by a user. For example, in the example shown in FIG. 1, the reception unit 41 receives payment information including identification information that identifies a transaction object to be paid using a payment application installed in the user terminal 100 in advance.

Further, the reception unit 41 may accept payment information including identification information read by a store terminal used by a store that provides the transaction object. For example, in the example shown in FIG. 1, the reception unit 41 receives payment information including identification information of the transaction object read by a barcode reader or the like of the store terminal 200 and a user ID displayed on the user terminal 100. .

Further, the receiving unit 41 may receive payment information including identification information indicated by a barcode attached to a transaction object. For example, in the example of FIG. 1, the reception unit 41 receives payment information including identification information indicated by a barcode attached to a transaction object from the store terminal 200.

Further, the receiving unit 41 may receive payment information including identification information uniquely set by the provider of the transaction object. For example, in the example of FIG. 1, the reception unit 41 receives payment information including identification information indicated by an in-store code uniquely assigned by the business operator M1 from the store terminal 200.

Further, the reception unit 41 may receive payment information including identification information standardized by a predetermined organization as information for identifying a transaction target. For example, in the example of FIG. 1, the reception unit 41 receives payment information including identification information indicated by a JIS standard barcode from the store terminal 200.

(About the determination unit 42)
The determining unit 42 determines whether the transaction object indicated by the identification information is included in the list information indicating a list of transaction objects excluded from coupon application targets. For example, in the example of FIG. 1, the determination unit 42 refers to the list information database 32 and determines whether the transaction object indicated by the payment information is included in list information #1.

Further, the determining unit 42 may determine whether the transaction target indicated by the identification information is included in the list information set by the coupon provider. For example, in the example of FIG. 1, the determination unit 42 determines whether list information #1 received from a business terminal used by business operator M1 includes a transaction object indicated by payment information.

Further, the determination unit 42 may determine whether the transaction object indicated by the identification information is included in list information indicating a list of categories of transaction objects excluded from coupon application targets. For example, the determining unit 42 determines whether the transaction object indicated by the payment information is included in the transaction object category indicated by the list information. To give a specific example, the storage unit 30 stores identification information of a transaction object in association with a category to which the transaction object belongs. The determination unit 42 then identifies the category associated with the transaction object indicated by the payment information, and determines whether the identified category is included in the list information. To give a more specific example, if the category associated with the transaction object indicated by the payment information is "cigarettes", it is determined whether the category "cigarettes" is included in the list information.

Note that any granularity can be adopted for the category of the transaction object indicated by the list information. For example, when transaction objects provided by a store are classified into categories having a predetermined hierarchical relationship, transaction objects belonging to categories in any hierarchy may be excluded from coupon application targets.

(About the deciding section 43)
If the transaction object indicated by the identification information is included in the list information, the determining unit 43 determines the application mode of the coupon acquired in advance by the user based on the payment information excluding the transaction object included in the list information. do. For example, in the example of FIG. 1, if transaction object #1 indicated by the payment information is included in list information #1, and transaction objects #2 and #3 are not included in list information #1, the determining unit 43 With reference to the database 33, the mode of application of coupon #1 is determined based on the payment amount "1,100 yen" obtained by excluding the price "400 yen" of transaction object #1 from the payment amount "1,500 yen".

Furthermore, if the transaction target indicated by the identification information is not included in the list information, the determining unit 43 may determine how to apply the coupon acquired in advance by the user based on the payment information. For example, in the example of FIG. 1, if transaction objects #1 to #3 indicated by the payment information are not included in the list information #1, the determining unit 43 selects the coupon #1 based on the payment amount "1,500 yen". Determine the application mode.

Further, the determining unit 43 may decide how to apply the coupon acquired in advance by the user based on the payment amount indicated by the payment information excluding the price of the transaction object included in the list information. For example, in the example of FIG. 1, the determining unit 43 determines the payment amount "1,100 yen" by excluding the price "400 yen" of transaction object #1 included in list information #1 from the payment amount "1,500 yen". Since coupon #1 satisfies the application conditions, coupon #1 is applied to user U1, and the amount of profit given to user U1 is determined to be "110 yen", which is 10% of "1,100 yen". .

(About the payment processing unit 44)
The payment processing unit 44 executes payment processing according to the payment information received by the reception unit 41. For example, the payment processing unit 44 transfers the amount of electronic money indicated by the payment amount from the user's account indicated by the user ID to the store account indicated by the store ID.

(About the giving part 45)
The granting unit 45 grants the user a benefit based on the application mode determined by the determining unit 43. For example, in the example of FIG. 1, if transaction object #1 indicated by the payment information is included in list information #1, and transaction objects #2 and #3 are not included in list information #1, 45 gives electronic money worth "110 yen" to user U1. Further, if transaction objects #1 to #3 indicated by the payment information are not included in list information #1, the granting unit 45 grants electronic money worth "150 yen" to the user U1. Note that if the transaction object #2 indicated by the payment information is included in the list information #1, and the transaction objects #1 and #3 are not included in the list information #1, the granting unit 45 does not grant profits.

[3. Grant processing flow]
The procedure of the granting process of the payment server 10 according to the embodiment will be explained using FIG. 7. FIG. 7 is a flowchart illustrating an example of the procedure of the granting process according to the embodiment.

As shown in FIG. 7, payment information including identification information for identifying a transaction target is received (step S101). Subsequently, the payment server 10 determines whether the transaction object indicated by the payment information is included in the list information (step S102). If the transaction object indicated by the payment information is included in the list information (step S102; Yes), the payment server 10 applies the coupon acquired in advance by the user based on the payment information excluding the transaction object included in the list information. The mode is determined (step S103). Subsequently, the payment server 10 grants a profit based on the determined application mode (step S105), and ends the process.

On the other hand, if the transaction object indicated by the payment information is not included in the list information (step S102; No), the payment server 10 determines how to apply the coupon acquired in advance by the user based on the payment information (step S104). ). Subsequently, the payment server 10 grants a profit based on the determined application mode (step S105), and ends the process.

[4. Modified example]
The embodiments described above are merely examples, and various modifications and applications are possible.

[4-1. Regarding list information]
In the above-described embodiment, an example was given in which the determination unit 42 determines whether the category "cigarettes" indicated by the list information and the transaction object indicated by the payment information are included, but the transaction object indicated by the list information is It is not limited to this example, and may include any type of transaction. For example, the list information may include transaction objects belonging to the category "alcohol" and transaction objects provided by dispensing (for example, medicines provided based on a prescription).

Further, the list information may include usage fees for a predetermined service as objects to be excluded from coupon application. For example, the determining unit 42 determines whether the payment amount includes fees (utility charges) charged to the user according to the use of water, electricity, gas, etc. If the utility fee is included in the payment amount, the determining unit 43 determines the coupon application mode based on the amount excluding the utility fee from the payment amount.

[4-2. Regarding processing mode]
Among the processes described in the above embodiments, all or part of the processes described as being performed automatically can be performed manually, and conversely, all of the processes described as being performed manually can be performed manually. Alternatively, some of the steps can be performed automatically using known methods. In addition, the processing procedures, specific names, and information including various data and parameters shown in the above text and drawings may be changed arbitrarily, unless otherwise specified. For example, the various information shown in each figure is not limited to the illustrated information.

Further, each component of each device shown in the drawings is functionally conceptual, and does not necessarily need to be physically configured as shown in the drawings. In other words, the specific form of distributing and integrating each device is not limited to what is shown in the diagram, and all or part of the devices can be functionally or physically distributed or integrated in arbitrary units depending on various loads and usage conditions. Can be integrated and configured.

Furthermore, the embodiments described above can be combined as appropriate within a range that does not conflict with the processing contents.

[5. effect〕
As described above, the payment server 10 according to the embodiment includes the reception section 41 , the determination section 42 , the determination section 43 , the payment processing section 44 , and the granting section 45 . The receiving unit 41 receives payment information including identification information for identifying a transaction object to be paid using a user terminal used by a user. Further, the reception unit 41 receives payment information including identification information read by a store terminal used by a store that provides a transaction object. The determining unit 42 determines whether the transaction object indicated by the identification information is included in the list information indicating a list of transaction objects excluded from coupon application targets. If the transaction object indicated by the identification information is included in the list information, the determining unit 43 determines the application mode of the coupon acquired in advance by the user based on the payment information excluding the transaction object included in the list information. do. Further, if the transaction target indicated by the identification information is not included in the list information, the determining unit 43 determines the application mode of the coupon acquired in advance by the user based on the payment information. Further, the determining unit 43 determines how to apply the coupon acquired in advance by the user based on the payment amount indicated by the payment information excluding the price of the transaction object included in the list information. The payment processing unit 44 executes payment processing according to the payment information received by the reception unit 41. The granting unit 45 grants the user a benefit based on the application mode determined by the determining unit 43.

As a result, the payment server 10 according to the embodiment can apply coupons to users and provide profits without having to separately make payments for transaction objects included in the list information and transaction objects not included in the list information. Therefore, it is possible to improve the convenience for users in payment.

Further, in the payment server 10 according to the embodiment, for example, the reception unit 41 receives payment information including identification information indicated by a barcode attached to a transaction object. Further, the receiving unit 41 receives payment information including identification information uniquely set by the provider of the transaction object. Further, the reception unit 41 receives payment information including identification information standardized by a predetermined organization as information for identifying a transaction object.

Thereby, the payment server 10 according to the embodiment can receive various types of identification information, determine how to apply a coupon, and provide a profit, thereby improving convenience.

Further, in the payment server 10 according to the embodiment, for example, the determination unit 42 determines whether the transaction target indicated by the identification information is included in the list information set by the coupon provider. Further, the determination unit 42 determines whether the transaction object indicated by the identification information is included in list information indicating a list of categories of transaction objects excluded from coupon application targets.

Thereby, the payment server 10 according to the embodiment can exclude any transaction target from the coupon application target, and thus can improve convenience.

[6. Hardware configuration]
Further, the payment server 10 according to each of the embodiments described above is realized by, for example, a computer 1000 having a configuration as shown in FIG. The payment server 10 will be described below as an example. FIG. 8 is a hardware configuration diagram showing an example of a computer that implements the functions of a payment server. Computer 1000 has CPU 1100, ROM 1200, RAM 1300, HDD 1400, communication interface (I/F) 1500, input/output interface (I/F) 1600, and media interface (I/F) 1700.

CPU 1100 operates based on a program stored in ROM 1200 or HDD 1400, and controls each part. The ROM 1200 stores a boot program executed by the CPU 1100 when the computer 1000 is started, programs depending on the hardware of the computer 1000, and the like.

The HDD 1400 stores programs executed by the CPU 1100, data used by the programs, and the like. Communication interface 1500 receives data from other devices via communication network 500 (corresponding to network N in the embodiment) and sends it to CPU 1100, and also sends data generated by CPU 1100 to other devices via communication network 500. Send to device.

The CPU 1100 controls output devices such as a display and a printer, and input devices such as a keyboard and mouse via an input/output interface 1600. CPU 1100 obtains data from an input device via input/output interface 1600. Further, CPU 1100 outputs the generated data to an output device via input/output interface 1600.

Media interface 1700 reads programs or data stored in recording medium 1800 and provides them to CPU 1100 via RAM 1300. CPU 1100 loads this program from recording medium 1800 onto RAM 1300 via media interface 1700, and executes the loaded program. The recording medium 1800 is, for example, an optical recording medium such as a DVD (Digital Versatile Disc) or a PD (Phase change rewritable disk), a magneto-optical recording medium such as an MO (Magneto-Optical disk), a tape medium, a magnetic recording medium, or a semiconductor memory. etc.

For example, when the computer 1000 functions as the payment server 10, the CPU 1100 of the computer 1000 realizes the functions of the control unit 40 by executing a program loaded onto the RAM 1300. Further, each data in the storage device of the payment server 10 is stored in the HDD 1400. The CPU 1100 of the computer 1000 reads these programs from the recording medium 1800 and executes them, but as another example, these programs may be acquired from another device via a predetermined communication network.

[7. others〕
Some of the embodiments of the present application have been described above in detail based on the drawings, but these are merely examples, and various modifications and variations may be made based on the knowledge of those skilled in the art, including the embodiments described in the disclosure section of the invention. It is possible to carry out the invention in other forms with modifications.

Furthermore, the configuration of the above-described payment server 10 can be changed flexibly, such as implementing some functions by calling an external platform or the like using an API (Application Programming Interface), network computing, or the like.

Further, the "unit" described in the claims can be read as "means", "circuit", etc. For example, the reception unit can be read as reception means or reception circuit.

10 Payment server 20 Communication unit 30 Storage unit 31 Account database 32 List information database 33 Coupon information database 34 User information database 40 Control unit 41 Reception unit 42 Judgment unit 43 Determination unit 44 Payment processing unit 45 Granting unit 100 User terminal 200 Store terminal

Claims (10)

a reception unit that receives payment information from a store terminal, including product code data for a transaction subject to electronic payment using a user terminal used by a user;
a payment processing unit that executes payment processing according to the payment information received by the reception unit;
a determination unit that determines a transaction target that is a coupon that can be used in an electronic payment service and is not applicable to a coupon that has been acquired by the user, from product code data of the transaction target included in the payment information;
The amount of the transaction object that remains after excluding the amount of the transaction object to which the coupon is not applicable from the total amount of the transaction object included in the payment information is determined as the amount to which the coupon is applied, and a deciding section that calculates benefits according to the amount;
A granting device comprising: a granting unit that grants the user a benefit corresponding to the amount to which the coupon is applied calculated by the determining unit. The determining unit is configured to determine whether the coupon is applied when the remaining transaction amount after excluding the transaction amount to which the coupon is not applicable from the total amount of the transaction object included in the payment information does not satisfy the coupon application condition. The granting device according to claim 1, wherein the granting device determines that the following is not applied to the user. Originally, all transaction objects included in the payment information are applicable to the coupon,
The granting device according to claim 1 or 2, wherein the determination unit determines, from among the transaction objects included in the payment information, transaction objects that are set as inapplicable to the coupon after the fact. . The reception unit receives list information indicating a list of transaction targets to be excluded from application of the coupon from the coupon provider,
The determination unit determines whether each transaction target included in the payment information is a transaction target indicated in the list information,
The determination unit determines the amount of the transaction object remaining after excluding the amount of the transaction object indicated in the list information from the total amount of the transaction object included in the payment information as the amount to which the coupon is applied, and The granting device according to any one of claims 1 to 3, wherein the granting device calculates a benefit according to an amount to which the coupon is applied. The granting device according to claim 4, wherein the list information can be updated at any time by accepting new list information. 6. The coupon is set not to be a transaction object to which the coupon is applied, but only to a transaction object to be excluded from the object to which the coupon is applied. Granting device. Any one of claims 1 to 6, wherein the coupon allows a transaction object to be excluded from the coupon to be changed even after the user acquires the coupon. The application device described in . The granting unit applies the coupon to the user without separately settling a transaction object to which the coupon is not applicable and a transaction object to which the coupon is not applicable based on the payment amount, The granting device according to any one of claims 1 to 7 , wherein a benefit is granted to the user according to an amount to which the coupon is applied. A granting method performed by a computer, comprising:
a reception step of receiving payment information from a store terminal, including product code data for a transaction subject to electronic payment using a user terminal used by a user;
a payment processing step of executing payment processing according to the payment information received in the reception step;
a determination step of determining a transaction target that is a coupon that can be used in an electronic payment service and is not applicable to a coupon that has been acquired by the user, from the product code data of the transaction target included in the payment information;
The amount of the transaction object that remains after excluding the amount of the transaction object to which the coupon is not applicable from the total amount of the transaction object included in the payment information is determined as the amount to which the coupon is applied, and a decision process of calculating benefits according to the amount;
and a granting step of granting the user a benefit corresponding to the amount to which the coupon is applied calculated in the determining step. a reception procedure for accepting payment information including product code data of a transaction target for electronic payment using a user terminal used by a user from a store terminal;
a payment processing procedure for executing payment processing according to the payment information received in the reception procedure;
a determination step of determining a transaction target that is a coupon that can be used in an electronic payment service and is not applicable to a coupon that has been acquired by the user, from product code data of the transaction target included in the payment information;
The amount of the transaction object that remains after excluding the amount of the transaction object to which the coupon is not applicable from the total amount of the transaction object included in the payment information is determined as the amount to which the coupon is applied, and a determination procedure for calculating benefits according to the amount;
A granting program that causes a computer to execute a granting procedure for granting a benefit to the user according to an amount to which the coupon is applied calculated by the determining procedure.

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