JP7403697B1 - Service provision equipment, service provision method, and program - Google Patents

Abstract

The present invention provides a service providing device, a service providing method, and a program that can improve the convenience of coupons issued to users by member stores of electronic commerce services. [Solution] A coupon template that can be used when a user makes a payment using an electronic payment service, in which default values are set in advance for the coupon issuance conditions that should be set when issuing the coupon. a storage unit for storing the information, and a coupon management system that receives a new coupon issuance request from a terminal device of a member store of the electronic payment service, and manages the new coupon as already issued by registering the coupon issuance conditions for the new coupon. When the coupon management unit receives a request for issuance of a new coupon based on the template, the coupon management unit registers the new coupon by adopting the default value for some or all of the coupon issuance conditions. Service provision equipment. [Selection diagram] Figure 4

Description

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

BACKGROUND ART Conventionally, in the field of electronic commerce, a system automatically distributes a list of coupons for target stores based on a user's purchase history, etc. (see, for example, Patent Document 1).

Patent No. 7145822

However, with the conventional technology, the user cannot use the desired coupon unless he or she performs the act of "obtaining" each coupon listed in the coupon list, which may not be convenient for use.

The present invention has been made in consideration of such circumstances, and provides a service providing device, a service providing method, and a service providing device that can improve the convenience of coupons issued to users by member stores of e-commerce services. One of the purposes is to provide programs and programs.

One aspect of the present invention is a coupon that can be used when a user makes a payment using an electronic payment service, in which a default value is set in advance for the coupon issuance conditions that should be set when the coupon is issued. A storage unit that stores a coupon template; and a terminal device of a member store of the electronic payment service that accepts a new coupon issuance request, and manages the new coupon as already issued by registering the coupon issuance conditions for the new coupon. and a coupon management unit that, when receiving a request for issuance of a new coupon based on the template, adopts the default value for some or all of the coupon issuance conditions and issues the new coupon. This is a service providing device to be registered.

According to one aspect of the present invention, it is possible to provide a service providing device, a service providing method, and a program that can improve the convenience of coupons issued to users by member stores of electronic commerce services.

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 management information 178 and template information 180. It is a figure showing an example of a coupon registration screen. 12 is a diagram illustrating a display example of a coupon list screen G20 that displays a list of coupons that a user can acquire in the payment application 20. FIG. 7 is a sequence chart showing an example of the flow of processing executed by the user terminal device 10, the second store terminal device 70, and the payment server 100 regarding a follow operation of a member store.

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

[Electronic payment service]
FIG. 1 is a diagram illustrating an example of a configuration for realizing an electronic payment service. The electronic payment service is realized mainly by the payment server 100. The payment server 100 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 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 management information 178, and template 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, payment history information, and acquired coupon information are associated with each other. The user URL is used for remittance processing between users. When registering for a new electronic payment service, it is mandatory to register a phone number and password. The account ID is issued to the user by the payment server 100, and the user ID is an ID that can be arbitrarily set (or does not need to be set) by the user. Similarly, e-mail address, name, address, and date of birth are information that can (or does not need to be) set arbitrarily by the user. The registration date is the date the user registered with the electronic payment service (the date the account was created). Hereinafter, the user instance (electronic payment account) to which this information is associated will be referred to as an account.

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

The acquired coupon information is information about coupons that are managed as acquired for the target user (hereinafter referred to as "acquired coupons"). Coupons may be acquired when the user performs an operation to acquire the coupon (hereinafter referred to as "coupon acquisition operation"), or may be acquired automatically regardless of the coupon acquisition operation. . In this embodiment, when a predetermined condition is satisfied regarding a coupon set in advance as a target for automatic acquisition, the coupon becomes automatically acquired. For example, an example of the predetermined condition is that the user has acquired a related coupon linked to a coupon to be automatically acquired. In this case, by acquiring related coupons, the user can also acquire coupons that are automatically acquired at once. Note that the user may be able to switch whether or not to acquire coupons to be automatically acquired at once in conjunction with acquisition of related coupons. This setting may be performed via the payment application 20, for example. Further, this setting information may be managed in the user information 172 in association with each user's account ID.

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. A third table 176C includes a second table 176B in which store IDs 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 management information 178 and the template information 180. The coupon management information 178 is managed as a table in which, for example, the issuing member store ID, store ID, validity period, point award rate, coupon image, capital setting, etc. are associated with the coupon ID, which is the coupon identification information. be done. The store ID represents a store where the target coupon can be used. The validity period is the period during which the target coupon can be used. The point award rate is the point award rate applied when using the target coupon. Points are monetary incentives given (cashback) to users according to the payment amount. Points can be used as part of the price paid by the user through electronic payment. Although omitted in FIG. 5, points are managed for each user in the user information 172, for example. The coupon image is an image used as an icon of the target coupon. The coupon image may include a display of information regarding the target coupon, such as the validity period and point award rate. The funding setting is a setting regarding the funding secured for providing the target coupon, and is set by the operator of the member store or the operator of the electronic payment service. The funding setting may include, for example, the total amount of funding, the entity that will bear the funding, and the proportion of the funding. In addition, the coupon management information 178 may include conditions for users who can obtain the target coupon, conditions for applying the target coupon at the time of payment, conditions regarding the source of the coupon, and the like. For example, an example of a condition related to the resources of a coupon is a condition such as how much of the resource must be used before the use of the coupon is stopped.

The template information 180 is a coupon template (hereinafter referred to as "coupon issue conditions") in which the minimum necessary conditions are preset by the operator of the electronic payment service among the conditions that can be set when issuing a coupon (hereinafter referred to as "coupon issuance conditions"). (referred to as "template"). Usually, coupons issued by member stores undergo a preliminary examination and are approved by the operator of the electronic payment service before being issued. On the other hand, in the coupon template, the minimum necessary conditions among the coupon issuance conditions are set in advance by the operator of the electronic payment service who is the subject of the preliminary examination. Therefore, by using the coupon template, member stores can issue new coupons without going through the usual preliminary examination. Coupons issued based on the coupon template are registered and managed in the coupon management information 178. The template information 180 is managed as a table in which, for example, the coupon ID of the coupon template is associated with the group ID, target member store ID, validity period, point grant rate, coupon image, capital setting, and the like. The coupon ID of the coupon template may be managed in a different system from the coupon ID of the issued coupon (managed by the coupon management information 178). For example, when a new coupon is issued based on a coupon model, the coupon ID of the new coupon may be assigned a coupon ID that conforms to the system of the coupon management information 178. Further, when a plurality of member stores issue new coupons based on the same coupon model, a different coupon ID may be assigned to each member store that issued the new coupon. Further, the coupons issued based on the coupon template may be managed in the coupon management information 178 by linking the group information to the coupon ID.

The group ID is identification information of a coupon group that classifies coupons issued based on the coupon model. The classification conditions for coupon groups may be arbitrarily designed. For example, coupon groups may be classified according to conditions based on regions (areas), member stores, stores, products, users, etc. to which the coupon template can be applied. The operator of the electronic payment service manages the coupons issued based on the coupon template as a group of coupons that satisfy the same classification conditions by linking the group ID of the corresponding coupon group to the coupon template to be created. be able to. Note that if a coupon issued based on a coupon model does not need to be managed by a coupon group, the association of the group ID with the coupon model may be omitted.

In the target member store ID, the member store ID of the member store that can issue coupons using the coupon template is registered. By registering the member store ID of a desired member store with respect to the created coupon model, the operator of the electronic payment service can allow the intended member store to use the coupon model only.

The validity period is the validity period of a coupon issued based on the coupon model. The point award rate is the point award rate applied when making a payment using a coupon issued based on a coupon model. In addition to these, the template information 180 may include information necessary to eliminate the need for preliminary examination of coupons by the operator of the electronic payment service. The coupon image is an image used as an icon of a coupon issued based on the coupon template. This coupon image may be an image that is registered as a coupon image in the coupon management information 178 after the coupon is issued, or may be an image that becomes a part of the coupon image that is registered in the coupon management information 178.

Return to Figure 4. The information management unit 140 manages user information 172, member store/store information 176, coupon management information 178, and template information 180 based on information acquired from the user terminal device 10 and the second store terminal device 70. . The information management unit 140 adds, edits, and deletes new records for user information 172, member store/store information 176, coupon management information 178, and template information 180.

[Coupon management]
(1) Coupon Registration The information management unit 140 manages coupons that can be used in electronic payment services. A coupon that can be used in an electronic payment service is a special ticket that can be used when a user makes a payment using the payment application 20, and can be used after being given to the user in advance. It is something. For example, benefits provided by coupons include discounts on payment fees, preferential points award rates, and the like. For example, the operator of the affiliated store can register a coupon for providing a desired benefit to the user in the payment server 100 by operating the affiliated store interface 72 of the second store terminal device 70. For example, the affiliated store interface 72 in this case may be a screen interface (hereinafter referred to as a "coupon registration screen") that accepts input of coupon settings. In this case, the information management unit 140 acquires the coupon setting information input on the coupon registration screen from the second store terminal device 70 and registers it in the coupon management information 178.

FIG. 8 is a diagram showing an example of a coupon registration screen. For example, the coupon registration screen G10 includes a first user interface IF11 that accepts a coupon issuing operation that does not use a coupon template, and a second user interface IF12 that accepts a coupon issuing operation that uses a coupon template. For example, the first user interface IF11 includes an input interface IF111 for coupon name, campaign period (validity period), point award rate, target store, detailed information, and terms of use, and a button BT112 that accepts an operation to execute registration. Further, for example, the second user interface IF12 displays a list of available coupon templates, information INF121 of preset coupon issuance conditions, and a button BT122 that accepts an operation for applying for coupon issuance. .

In this display control, for example, the information management unit 140 receives a request from the member store interface 72, refers to the template information 180, and determines that the member store ID of the requesting member store is registered in the target member store ID. Identify the coupon template. Subsequently, the information management unit 140 transmits information on the specified coupon template to the requesting affiliated store interface 72, and the affiliated store interface 72 displays a list of the received coupon template information. Through such processing, the second user interface IF12 displays a coupon template that can be used by the member store that is the issuer of the coupon. The operator of the affiliated store can issue a coupon with the displayed content by operating the button BT122 of the desired coupon template. Note that the second user interface IF12 may include a button BT123 for displaying information other than coupon issuance conditions regarding the coupon template. Further, the second user interface IF12 may be configured to accept input of a changing operation for coupon issuing conditions that can be changed.

(2) Granting Coupons The information management unit 140 grants coupons to users based on coupon acquisition operations by the users. For example, the user can obtain a list of obtainable coupons from the payment server 100 and display it on the payment application 20. The user can acquire the desired coupon by selecting the desired coupon from the displayed coupon list. In this case, the information management unit 140 acquires coupon selection information from the user terminal device 10, recognizes the coupon to be acquired, and registers the recognized coupon to be acquired in the acquired coupon information of the user information 172. .

FIG. 9 is a diagram illustrating a display example of a coupon list screen G20 that displays a list of coupons that the user can acquire in the payment application 20. For example, the coupon list screen G20 displays, for each coupon that the user can acquire, a coupon image, available member stores or stores, validity period, point award rate, and a button BT21 that accepts an application operation for acquiring the coupon. It is. For example, the button BT21 is associated with the coupon ID of the corresponding coupon, and the information management unit 140 can recognize the coupon to be acquired based on the coupon ID associated with the operated button B21. The information management unit 140 can provide (obtain) the coupon to the user by registering the coupon recognized as an acquisition target in the acquired coupon information of the user information 172.

In the example of FIG. 9, coupons CP1 to CP3 represent coupons issued based on coupon templates, and coupon CP4 represents a coupon issued without using a coupon template. In this example, coupon images IM21 to IM23 including images IM11 or IM12 indicating that the coupons are issued based on the coupon template are displayed on coupons CP1 to CP3, and images IM11 and IM12 are displayed on coupon CP4. A coupon image IM24 not included is displayed. In this way, by displaying different images of coupons issued based on a coupon template and coupons issued without using a coupon template, users can easily and clearly distinguish between the two coupons. can be recognized. Furthermore, images IM11 and IM12 represent the different groups to which the coupons CP1 to CP3 belong. That is, the example of FIG. 9 represents that coupons CP1 and CP2 have the same group ID, and coupon C3 has a different group ID from coupons CP1 and CP2. In this way, by displaying a common image for each group of coupons issued based on the coupon template, the user can easily and clearly recognize related coupons. In this way, since the images indicating that the coupons are issued based on the coupon template correspond to the group ID, these images will be referred to as group images below.

Such coupon image display control can be realized by performing the following pre-processing steps S31 to S33.
(S31) First, the operator of the electronic payment service registers the group image IM11 as a coupon image of the coupon template that is the basis of coupons CP1 and CP2, and also registers the group image IM11 as the coupon image of the coupon template that is the basis of the coupon CP3. Register.
(S32) Subsequently, the operator of the affiliated store issues coupons CP1 to CP3 based on the coupon template. As a result, among the group images IM11 and IM12 registered in S31, group image IM11 is set as the coupon image of coupons CP1 and CP2, and group image IM12 is set as the coupon image of coupon CP3. Note that the coupon image set here may be the group image itself, or may be generated by combining the group image with another image. The coupon image IM21 in the example of FIG. 9 is a combination of an image IM21A unique to the coupon template on which the coupon CP1 is based and a group image IM11. Further, the coupon image IM22 in the example of FIG. 9 is a combination of the image IM22A unique to the coupon template on which the coupon CP2 is based and the group image IM11. Further, the coupon image IM23 in the example of FIG. 9 is a combination of the image IM23A and the image IM12, which are unique to the coupon template on which the coupon CP3 is based.
(S33) Subsequently, the operator of the affiliated store issues a normal coupon CP4 that does not use a coupon template. In this case, the image specified by the operator of the affiliated store is registered as the coupon image.

After such preprocessing is performed, the payment application 20 obtains a list of obtainable coupons from the payment server 100, thereby displaying a list screen G20 as shown in FIG. 9. In addition, here, we have explained the case where all of the coupons CP1 to CP4 registered in the pre-processing are obtainable by the user, but the coupons that the user can obtain are subject to the coupon acquisition conditions that can be set separately. The selection may be based on

(3) Application of Coupon The information management unit 140 manages whether or not a coupon is applied based on the coupon application operation by the user when making a payment using electronic payment using an electronic payment service. For example, the user can obtain a list of already acquired coupons (acquired coupons) from the payment server 100 and display it on the payment application 20. When a user makes a payment using the payment application 20, by selecting a desired coupon from a list of acquired coupons, the user can make the payment with the benefits of the desired coupon applied. In this case, the information management unit 140 refers to the user information 172 and transmits the acquired coupon information of the user to the user terminal device 10, and the user terminal device 10 receives the received coupon information from the payment application 20. Generate and display a list of acquired coupons at target member stores based on acquired coupon information. The information management unit 140 notifies the payment processing unit 130 of the content of the benefit based on the coupon selected from the coupon list, and the payment processing unit 130 executes the payment process by applying the coupon.

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

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

Further, when executing the payment process, if the information management unit 140 notifies the payment processing unit 130 of a coupon that is subject to automatic application, the payment processing unit 130 executes the payment process after reflecting the content of the benefits provided by the notified coupon. . Coupons that are automatically applied here are coupons that are applied without the user performing an operation to select a coupon to use. Whether or not a coupon is automatically applied may be managed as a coupon setting or as a user setting. For example, examples of coupons include coupons that provide benefits such as a discount on the payment amount, an increase in the point award rate, an increase in the amount of points awarded, and discounts on fees related to various payment methods. In addition to these, the coupon may be applied automatically or manually during payment processing, and may provide any benefit as long as it benefits the user.

FIG. 10 is a sequence chart showing an example of the flow of processing executed by the user terminal device 10, the second store terminal device 70, and the payment server 100 regarding a coupon registration operation by a member store. Here, at the time when the processing sequence of FIG. 10 is started, the coupon template used by the operator of the member store when registering a new coupon has been registered in advance in the payment server 100 by the operator of the electronic payment service. shall be. First, in the second store terminal device 70, the operator of the member store operates the member store interface 72 to display a coupon registration screen on the second store terminal device 70 (S401). The operator of the affiliated store performs an operation to issue a new coupon using the coupon template on the coupon registration screen. In response to this operation, the member store interface 72 transmits a request to issue the new coupon to the payment server 100 (S402).

Subsequently, the payment server 100 registers the new coupon in response to the coupon issuance request received from the second store terminal device 70 (S403). For example, the information management unit 140 acquires the setting information of the specified coupon template from the template information 180 and registers new coupon information based on the acquired setting information in the coupon management information 178.

Thereafter, at a predetermined timing, the payment server 100 receives a request from the user terminal device 10 to provide coupon information regarding coupons that the user can acquire (S404). For example, the predetermined timing is the timing when the user performs an operation on the payment application 20 to display a list screen G20 (see FIG. 9) of obtainable coupons. In response to this request, the payment server 100 refers to the user information 172, recognizes the coupons that the requesting user can acquire, and transmits the coupon information of the recognized coupons to the requesting user terminal device 10. (S405). In the requesting user terminal device 10, the payment application 20 displays the coupon information received from the payment server 100 (S406).

Subsequently, the payment application 20 accepts an operation to select a coupon to be acquired from the displayed coupon information, and notifies the payment server 100 of the selected coupon (S407). Here, it is assumed that a coupon issued based on the coupon template is selected. The payment server 100 gives the coupon notified from the payment application 20 to the user (S408), and identifies a coupon having the same group ID as the coupon (hereinafter referred to as "group coupon") (S409). In addition to the coupon given in S408, the payment server 100 gives the coupon specified as a group coupon to the user (S410). Thereby, for coupons issued based on the coupon template, it is possible for the user to obtain coupons belonging to the same group all at once. For example, in the example of FIG. 9, when the user acquires coupon CP1, coupon CP2 belonging to the same group is also given to the user at the same time.

Note that the payment server 100 may be configured not to provide all group coupons to users, but to provide users with coupons that meet predetermined acquisition conditions among group coupons. For example, when a user acquires an area-limited coupon targeting a predetermined area, the user's place of residence satisfies the acquisition conditions regarding the place of residence set in the group coupon of the area-limited coupon. In some cases, the group coupon may be acquired by the user. In this case, for example, the payment server 100 is configured to accept settings for acquisition conditions as a group coupon for each coupon template via the coupon registration screen, and to manage the settings as setting information for the coupon template. Good too. Conditions for acquiring group coupons include, in addition to the above-mentioned conditions regarding the place of residence, the number of times the coupon is used, the average payment amount, the frequency of coupon use, the frequency of use of affiliated stores, the user's location information, the attributes of purchased products, and the number of times the coupon is used. Conditions may be set regarding any matters that can be recognized based on the payment history, such as the age of the person. The operator of the electronic payment service can allow more appropriate users to acquire group coupons by setting the acquisition conditions for group coupons as described above when registering a coupon template.

Further, the payment server 100 may be configured to store the usage history of coupons by users and provide the usage status of the coupons to the operator of the affiliated store as necessary. For example, coupon usage history can be managed by including it in payment history. For example, when the information management unit 140 receives the designation of the coupon ID of the coupon to be displayed from the second store terminal device 70, the information management section 140 refers to the usage history of the specified coupon and tells the second store terminal device 70 to use the coupon. The status may also be displayed. Examples of the usage status to be displayed include the payment amount, the number of users, the number of payments, the amount of funds consumed, etc. that can be ascertained based on the payment information. In addition, the information management unit 140 accepts the specification of a group ID instead of/in addition to the coupon ID, and analyzes the usage status of the group coupon linked to the group ID for each member store that has issued the group coupon. It may be configured to provide.

According to the embodiment described above, it is possible to improve the convenience of coupons issued to users by member stores of electronic commerce services.

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.

DESCRIPTION OF SYMBOLS 10... User terminal device, 20... Payment application, 50... First store terminal device, 60... Store code image, 70... Second store terminal device, 72... Interface for member stores, 100... Payment server, 110... Communication department , 120...Payment content providing unit, 130...Payment processing unit, 140...Information management unit, 170...Storage unit, 172...User information, 174...Payment content information, 176...Member store/store information, 178...Coupon management information , 180...template information

Claims (17)

A memory that stores a coupon template that can be used when a user makes a payment using an electronic payment service, and in which default values are set in advance for the coupon issuance conditions that should be set at the time of issuance. Department and
a coupon management unit that receives a new coupon issuance request from a terminal device of a member store of the electronic payment service, and manages the new coupon as already issued by registering the coupon issuance conditions for the new coupon;
Equipped with
When the coupon management unit receives a request for issuance of a new coupon based on the template, the coupon management unit registers the new coupon by adopting the default value for some or all of the coupon issuance conditions ,
The template includes information necessary for eliminating the need for a preliminary examination that is normally performed by the operator of the electronic payment service when issuing a coupon, and the preliminary examination is omitted when issuing a new coupon based on the template.
Service provision equipment. A memory that stores a coupon template that can be used when a user makes a payment using an electronic payment service, and in which default values are set in advance for the coupon issuance conditions that should be set at the time of issuance. Department and
a coupon management unit that receives a new coupon issuance request from a terminal device of a member store of the electronic payment service, and manages the new coupon as already issued by registering the coupon issuance conditions for the new coupon;
Equipped with
When issuing the new coupon, the coupon management unit presents a list of coupon templates that can be used by the member store to the terminal device of the member store, and receives a request for issuance of a new coupon based on the template; registering the new coupon by adopting the default values for some or all of the coupon issuance conditions;
Service provision equipment. A memory that stores a coupon template that can be used when a user makes a payment using an electronic payment service, and in which default values are set in advance for the coupon issuance conditions that should be set at the time of issuance. Department and
a coupon management unit that receives a new coupon issuance request from a terminal device of a member store of the electronic payment service, and manages the new coupon as already issued by registering the coupon issuance conditions for the new coupon;
Equipped with
The coupon management department is
If a request for issuance of a new coupon based on the template is received, registering the new coupon by adopting the default value for some or all of the coupon issuance conditions;
When issuing a new coupon based on the template, registering identification information of a group into which the new coupon is classified as one of the coupon issuance conditions;
A first coupon designated by the user is granted to the user in response to receiving a coupon acquisition request from the user's terminal device,
In addition to the first coupon, the coupon management unit can collectively provide the user with a second coupon belonging to the same group as the first coupon.
Service provision equipment. A memory that stores a coupon template that can be used when a user makes a payment using an electronic payment service, and in which default values are set in advance for the coupon issuance conditions that should be set at the time of issuance. Department and
a coupon management unit that receives a new coupon issuance request from a terminal device of a member store of the electronic payment service, and manages the new coupon as already issued by registering the coupon issuance conditions for the new coupon;
Equipped with
The coupon management department is
If a request for issuance of a new coupon based on the template is received, registering the new coupon by adopting the default value for some or all of the coupon issuance conditions;
providing coupon information regarding coupons that can be used in the electronic payment service to the user's terminal device;
The coupon information is for displaying a coupon issued based on the template in a different manner from a coupon issued not based on the template.
Service provision equipment. A member store that can give the second coupon together with the first coupon is set in advance in the service providing device by the operator of the electronic payment service.
The service providing device according to claim 3. The coupon management department is
It has a function of displaying a registration screen for a new coupon issued by the member store on the terminal device of the member store,
displaying identification information of the group that can issue the second coupon together with the first coupon on the registration screen;
The service providing device according to claim 5 . The coupon information displays images that are partially or completely the same for coupons issued based on the template;
The service providing device according to claim 4 . The coupon information includes identification information of a group to which the coupon belongs, and the coupons issued based on the template are classified and displayed for each group.
The service providing device according to claim 4 . When issuing a new coupon based on the template, the coupon management department omits the preliminary examination that is normally performed by the operator of the electronic payment service when issuing a coupon.
The service providing device according to any one of claims 1 to 4 . A computer that stores a coupon template that is a coupon that can be used by a user when making a payment using an electronic payment service, and in which default values are set in advance for the coupon issuance conditions that should be set when issuing the coupon. but,
A service providing method that receives a new coupon issuance request from a terminal device of a member store of the electronic payment service, and manages the new coupon as already issued by registering the coupon issuance conditions for the new coupon, the method comprising:
When a request for issuance of a new coupon based on the template is received, the new coupon is registered by adopting the default value for some or all of the coupon issuance conditions;
The template includes information necessary for eliminating the need for a preliminary examination that is normally performed by the operator of the electronic payment service when issuing a coupon, and the preliminary examination is omitted when issuing a new coupon based on the template.
How we provide our services. A computer that stores a coupon template that is a coupon that can be used by a user when making a payment using an electronic payment service, and in which default values are set in advance for the coupon issuance conditions that should be set when issuing the coupon. but,
A service providing method that receives a new coupon issuance request from a terminal device of a member store of the electronic payment service, and manages the new coupon as already issued by registering the coupon issuance conditions for the new coupon, the method comprising:
In issuing the new coupon, if the member store presents a list of available coupon templates to the terminal device of the member store and receives a request for issuance of a new coupon based on the template, one of the coupon issuance conditions. registering the new coupon by adopting the default value for part or all;
How we provide our services. A computer that stores a coupon template that is a coupon that can be used by a user when making a payment using an electronic payment service, and in which default values are set in advance for the coupon issuance conditions that should be set when issuing the coupon. but,
A service providing method that receives a new coupon issuance request from a terminal device of a member store of the electronic payment service, and manages the new coupon as already issued by registering the coupon issuance conditions for the new coupon, the method comprising:
If a request for issuance of a new coupon based on the template is received, registering the new coupon by adopting the default value for some or all of the coupon issuance conditions;
A first coupon designated by the user is granted to the user in response to receiving a coupon acquisition request from the user's terminal device,
In addition to the first coupon, a second coupon belonging to the same group as the first coupon can be given to the user at once.
How we provide our services. A computer that stores a coupon template that is a coupon that can be used by a user when making a payment using an electronic payment service, and in which default values are set in advance for the coupon issuance conditions that should be set when issuing the coupon. but,
A service providing method that receives a new coupon issuance request from a terminal device of a member store of the electronic payment service, and manages the new coupon as already issued by registering the coupon issuance conditions for the new coupon, the method comprising:
If a request for issuance of a new coupon based on the template is received, registering the new coupon by adopting the default value for some or all of the coupon issuance conditions;
providing coupon information regarding coupons that can be used in the electronic payment service to the user's terminal device;
The coupon information is for displaying a coupon issued based on the template in a different manner from a coupon issued not based on the template.
How we provide our services. A computer that stores a coupon template that is a coupon that can be used by a user when making a payment using an electronic payment service, and in which default values are set in advance for the coupon issuance conditions that should be set when issuing the coupon. To,
A program for receiving a new coupon issuance request from a terminal device of a member store of the electronic payment service, and managing the new coupon as already issued by registering the coupon issuance conditions for the new coupon,
When a request for issuance of a new coupon based on the template is received, the new coupon is registered by adopting the default value for some or all of the coupon issuance conditions;
The template includes information necessary for eliminating the need for a preliminary examination that is normally performed by the operator of the electronic payment service when issuing a coupon, and the preliminary examination is omitted when issuing a new coupon based on the template;
program. A computer that stores a coupon template that is a coupon that can be used by a user when making a payment using an electronic payment service, and in which default values are set in advance for the coupon issuance conditions that should be set when issuing the coupon. To,
A program for receiving a new coupon issuance request from a terminal device of a member store of the electronic payment service, and managing the new coupon as already issued by registering the coupon issuance conditions for the new coupon,
In issuing the new coupon, if the member store causes the terminal device of the member store to present a list of coupon templates that can be used and receives a request for issuance of a new coupon based on the template, one of the coupon issuance conditions. registering the new coupon by adopting the default value in part or all;
program. A computer that stores a coupon template that is a coupon that can be used by a user when making a payment using an electronic payment service, and in which default values are set in advance for the coupon issuance conditions that should be set when issuing the coupon. To,
A program for receiving a new coupon issuance request from a terminal device of a member store of the electronic payment service, and managing the new coupon as already issued by registering the coupon issuance conditions for the new coupon,
When a request for issuance of a new coupon based on the template is received, registering the new coupon by adopting the default value for some or all of the coupon issuance conditions;
A first coupon specified by the user is granted to the user in response to receiving a coupon acquisition request from the user's terminal device,
In addition to the first coupon, a second coupon belonging to the same group as the first coupon is given to the user at once;
program. A computer that stores a coupon template that is a coupon that can be used by a user when making a payment using an electronic payment service, and in which default values are set in advance for the coupon issuance conditions that should be set when issuing the coupon. To,
A program for receiving a new coupon issuance request from a terminal device of a member store of the electronic payment service, and managing the new coupon as already issued by registering the coupon issuance conditions for the new coupon,
When a request for issuance of a new coupon based on the template is received, registering the new coupon by adopting the default value for some or all of the coupon issuance conditions;
The method causes the user's terminal device to provide coupon information regarding coupons that can be used in the electronic payment service,
The coupon information is for displaying a coupon issued based on the template in a different manner from a coupon issued not based on the template.
program.

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