JP7406024B1 - Second payment management device, second payment management method, and second payment management program - Google Patents

Abstract

[Problem] To appropriately control the granting of benefits to users who have made payments depending on whether or not user information is linked on services provided by multiple payment providers. A second payment management device according to the present application includes a determining section and a determining section. The determination unit determines whether first identification information for identifying a predetermined user in the first payment means is associated with second identification information for identifying a predetermined user in the second payment method. Determine whether The determining unit determines a providing means for providing a payment-related benefit to a predetermined user according to the determination result by the determining unit. [Selection diagram] Figure 8

Description

Application of Article 30, Paragraph 2 of the Patent Act Publication date: November 1, 2020 PayPay site https://paypay. ne. jp/notice/20221101/f-paypaystep/

The present invention relates to a second payment management device, a second payment management method, and a second payment management program.

2. Description of the Related Art Conventionally, a technique is known that determines a benefit to be given to a user based on benefit granting conditions corresponding to a payment method.

JP2020-008960A

However, with the conventional technology, it has not been possible to appropriately control the granting of benefits to users who have made payments depending on whether or not user information is linked on services provided by multiple payment providers.

This application was made in view of the above, and appropriately controls the granting of benefits to users who make payments depending on whether or not user information is linked on services provided by multiple payment providers. The purpose is to

The second payment management device according to the present application includes first identification information for identifying a predetermined user in the first payment means, and second identification information for identifying the predetermined user in the second payment means. a determination unit that determines whether or not the information is associated with the user; and a determination unit that determines a providing means for providing benefits related to payment to the predetermined user according to the determination result by the determination unit. It is characterized by

According to one aspect of the embodiment, it is possible to appropriately control the granting of benefits to users who have made payments depending on whether or not user information is linked on services provided by multiple payment providers. be effective.

FIG. 1 is a diagram illustrating an example of information processing according to an embodiment. FIG. 2 is a diagram illustrating a configuration example of an information processing system according to an embodiment. FIG. 3 is a diagram illustrating a configuration example of a user terminal according to the embodiment. FIG. 4 is a diagram illustrating a configuration example of the first payment management server according to the embodiment. FIG. 5 is a diagram illustrating an example of a user information storage unit according to the embodiment. FIG. 6 is a diagram illustrating an example of a payment information storage unit according to the embodiment. FIG. 7 is a diagram illustrating an example of a benefit provision condition storage unit according to the embodiment. FIG. 8 is a diagram illustrating a configuration example of the second payment management server according to the embodiment. FIG. 9 is a diagram illustrating an example of a user information storage unit according to the embodiment. FIG. 10 is a diagram illustrating an example of a payment information storage unit according to the embodiment. FIG. 11 is a flowchart illustrating an example of an information processing procedure according to the embodiment. FIG. 12 is a flowchart illustrating an example of an information processing procedure according to the embodiment. FIG. 13 is a hardware configuration diagram showing an example of a computer that implements the functions of the second payment management server.

Below, embodiments for implementing the second payment management device, second payment management method, and second payment management 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 second payment management device, second payment management method, and second payment management 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.

[1-1. Information processing system configuration]
Prior to explaining FIG. 1, the configuration of the decision system 1 will be explained using FIG. 2. FIG. 2 is a diagram illustrating a configuration example of an information processing system according to an embodiment. As shown in FIG. 2, the decision system 1 according to the embodiment includes a user terminal 10, a first payment management server 100, and a second payment management server 200. The user terminal 10, the first payment management server 100, and the second payment management server 200 are connected to each other via a network N so that they can communicate with each other by wire or wirelessly. The network N is, for example, a WAN (Wide Area Network) such as the Internet. Note that the decision system 1 shown in FIG. 2 may include a plurality of user terminals 10, a plurality of first payment management servers 100, and a plurality of second payment management servers 200.

The user terminal 10 shown in FIG. 2 is an information processing device used by a user. For example, the user terminal 10 displays an information code (for example, an information code displayed at the time of payment) such as a QR code (registered trademark) for payment set on a predetermined installed application. The user terminal 10 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 10 displays information distributed by the first payment management server 100 or the second payment management server 200 using a web browser or an application. Note that the example shown in FIG. 1 shows a case where the user terminal 10 is a smartphone.

Note that when the user terminal 10 receives control information for implementing predetermined information processing from the first payment management server 100 or the second payment management server 200, it implements the information processing according to the control information. Here, the control information is written in, for example, a script language such as JavaScript (registered trademark) or a style sheet language such as CSS (Cascading Style Sheets). Note that the predetermined application itself distributed from the first payment management server 100 or the second payment management server 200 may be regarded as the control information.

The first payment management server 100 shown in FIG. 2 is an information processing device that executes information processing according to the embodiment, and is realized by a server device, a cloud system, or the like. For example, the first payment management server 100 may provide benefits (for example, user Determine the granting rate of benefits applied to

The first payment management server 100 provides a payment service that allows payment using a plurality of payment methods. First, the first payment management server 100 provides payment services via the user terminal 10 . For example, the first payment management server 100 provides a payment service in which a payment is made by subtracting an amount of electronic money related to the payment from an electronic money account called a wallet using the user terminal 10. Furthermore, the payment services provided by the first payment management server 100 include services based on payment using another person's payment means. Therefore, secondly, the first payment management server 100 provides a payment service called deferred payment in which the user is billed at a later date and does not use electronic money in the wallet. Thirdly, a payment service called credit card payment is provided, in which payment is made using the user terminal 10, but the electronic money in the wallet is not used, and the payment is made via the credit card contracted by the user. Among these, for deferred payment and credit card payment, the first payment management server 100 enables payment by using the payment service of another party via the payment service of the first payment provider. Further, the first payment management server 100 gives benefits to payments made by all payment methods, including payments using other people's payment methods.

The second payment management server 200 shown in FIG. 2 is an information processing device that executes information processing according to the embodiment, and is realized by a server device, a cloud system, or the like. For example, the second payment management server 200 may provide identification information (hereinafter referred to as appropriate) of a service provided by a payment provider that manages the second payment management server 200 (hereinafter referred to as "second payment provider"). Providing means for providing payment-related benefits to users depending on whether or not the "second identification information" is associated with identification information of a service provided by another payment provider. Determine. For example, the second payment management server 200 may provide identification information (hereinafter referred to as appropriate) of a service provided by a payment provider that manages the first payment management server 100 (hereinafter referred to as the "first payment provider"). The provision means for providing the payment-related benefit to the user is determined depending on whether or not it is associated with the "first identification information"). The second payment provider also issues credit cards, and may receive payment information not via the first payment provider's server device but via a credit card terminal at a store or the like. In this case, the face number of the credit card is stored as the same as or linked to the user ID of the second payment provider. Therefore, regardless of whether the payment method is deferred payment or credit card, if the payment method is the same user, the payment amount will be debited from the user's bank account all at once.

Note that as long as the payment methods provided are different, the business providing the first payment method and the second payment method may be the same. That is, the first payment management server 100 and the second payment management server 200 may be server devices managed by the same business operator.

[1-2. Regarding payments using user terminals]
Here, prior to information processing executed by the first payment management server 100 and the second payment management server 200, an example of payment (electronic payment) using the user terminal 10 will be described. In addition, in the following explanation, the user U uses a two-dimensional code (QR code (registered trademark)) placed in the store A and indicates store identification information C that identifies the store A. Although an example in which payment is made using the user terminal 10 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 10. Further, the store identification information C may be not only a QR code (registered trademark) but also a bar code, a predetermined mark, a number, etc.

For example, when user U makes a payment for the use or purchase of payment objects (transaction objects) such as various products and services at store A, user U uses the payment application pre-installed on the user terminal 10. to start. Then, the user U photographs the store identification information C installed at the store A via the payment application. In such a case, the user terminal 10 displays a screen for inputting the price to be paid, and accepts input of the payment amount from the user U or the clerk at the store A. Then, the user terminal 10 stores user identification information for identifying user U and store identification information C (or information indicated by store identification information C, that is, information indicating store A (for example, store ID)). , and the payment amount, to the first payment management server 100.

In such a case, the first payment management server 100 transfers the amount of electronic money indicated by the payment amount from the account of the user U indicated by the user identification information to the account of the store A indicated by the store identification information C. . The first payment management server 100 then sends a notification to the user terminal 10 that the payment has been completed. In such a case, the user terminal 10 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.

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

Further, when making a payment using the user terminal 10, the payment method may be selectable. Payment methods include balance payment, deferred payment, and credit card payment. Balance payment is a payment method in which electronic money is transferred from the electronic money balance of the account to which user U has previously charged electronic money to the store A's account at the time of payment. Deferred payment is a service provided by a second payment provider that collaborates with the first payment provider. At the time of payment, the first payment provider transfers the payment amount to store A's account with electronic money, and also transfers the payment information. This is a payment method in which the second payment provider cooperates with the second payment management server 200 and collects the payment amount by withdrawing the payment amount from the bank account of the user U registered in advance at a later date. In other words, deferred payment is a service provided by a second payment provider via a first payment provider, and when payment is made by deferred payment, the service is sent to the second payment provider via the first payment provider's server device. The payment amount is collected from the bank account registered in advance by the user based on the user ID of the second payment provider linked to the user ID of the first payment provider included in the payment information. will be withdrawn. Furthermore, in the case of deferred payment, since both the first payment provider and the second payment provider have payment information, the first payment provider can also provide benefits. At this time, the first payment provider collectively allocates points for credit card payments provided by the second payment provider, thereby making it possible to unify the route for benefits obtained by the user. Credit card payment is a payment method in which, at the time of payment, the first payment provider transfers the payment amount to store A's account as electronic money and requests the payment amount from the company that operates User U's credit card. .

Further, when making a payment using the user terminal 10, the payment application withdraws electronic money equivalent to the payment amount from the user account and manages it as sales information of the member store (different from depositing money into the member store account). Also, at a predetermined timing, based on the sales information, cash is deposited into the member store's bank account in an amount equal to the sales minus the management fee. Furthermore, electronic money may be deposited from the user account into the electronic money account of the member store managed by the member store, and the fee may be collected from the member store account managed by the member store at the time of deposit or at a predetermined timing. Good too. Furthermore, if the funds for the coupons provided to user U regarding the payment app are borne by the merchant, the cost will be covered when depositing cash into a bank account or electronic money into the merchant's account. Subtract and provide cash or electronic money.

[1-3. About the overview of the embodiment]
Here, a technique is conventionally known that determines a benefit to be given to a user based on benefit granting conditions corresponding to a payment method. However, with such technology, it was not possible to appropriately determine the content of benefits for users who made payments based on whether or not user information was linked on services provided by multiple payment providers. .

Therefore, the first payment management server 100 and the second payment management server 200 execute information processing according to the embodiment. Information processing executed by the first payment management server 100 and the second payment management server 200 will be described below using FIG. 1. In the following description, an example will be shown in which the user terminal ₁₀₁ is used by the user U1 and the user terminal ₁₀₂ is used by the user U2.

In the following embodiments, the user U1 is a user who has registered deferred payment in the service provided by the first payment provider, and can set either balance payment or deferred payment in the service provided by the first payment provider. . The user U1 has set up deferred payment in the service provided by the first payment provider. Further, in the service provided by the first payment provider, for example, deferred payment is set by sliding from balance payment to deferred payment, and balance payment is set by sliding from deferred payment to balance payment. Users who have set up deferred payment are given benefits (for example, benefits such as electronic points) that can be used for payments using that service. In this case, regarding deferred payment, since both the first payment provider and the second payment provider have payment information, and the first payment provider can also grant benefits, the credit provided by the second payment provider Regarding card payments, the first payment provider can award points all at once, which has the advantage of unifying the route for benefits that users can obtain. Therefore, the benefits are granted by the first payment provider not only for payments via services provided by the first payment provider, but also for payments via services not provided by the first payment provider. Therefore, if the second payment provider also grants benefits in the same way, the benefits will be awarded twice. Therefore, even when the payment is made on the second payment provider side, if the first payment provider provides the benefit, it is necessary to control the process of awarding the benefit.

Further, the user U1 is a user who has linked the user information on the service provided by the first payment provider and the user information on the service provided by the second payment provider, and The first identification information and the second identification information of the person U1 are stored in association with each other. For example, the first identification information and the second identification information of the user U1 are stored in association with each other in both or one of the first payment management server 100 and the second payment management server 200. Further, the user U2 is a user who has not linked the user information on the service provided by the first payment provider and the user information on the service provided by the second payment provider, First identification information and second identification information of user U1 are stored separately. For example, the first identification information of the user U2 is stored in the first payment management server 100, and the second identification information of the user U2 is stored in the second payment management server 200.

Further, the user U1 is a user who has installed a predetermined application provided by the first payment provider on the user terminal ₁₀₁ in order to enjoy the service provided by the first payment provider, and The first identification information of the user U1 is displayed at the top. This first identification information, for example, is displayed at the time of deferred payment payment and is used for deferred payment payment (note that it may be displayed at the time of balance payment and used for balance payment). Further, the user U1 is a user who has a physical card issued by the second payment provider for each user in order to enjoy the services provided by the second payment provider, and the user U1's card is is printed with the second identification information of the user U1. This second identification information is used, for example, for card payment (credit card payment). In addition, user U2 is a user who has a physical card issued by the second payment provider for each user in order to enjoy the services provided by the second payment provider, and the user U2's card is is printed with the second identification information of the user U2. Further, the user U2 may be a user who has installed a predetermined application provided by the first payment provider on the user terminal ₁₀₂ in order to enjoy the services provided by the first payment provider. , it may be a user who has not installed it.

Additionally, the method for obtaining payment information may differ depending on whether the payment is deferred or by card. For example, in deferred payment payments, payment information is sent via the store terminal of a store that has a relationship between the first payment provider and the member store, but in card payments, payment information is sent via the card provider's server device. is sent.

First, the user U1 performs deferred payment using the first identification information (step S101). When the user U1 makes a deferred payment payment, the first payment management server 100 sends the information via the store terminal where the user U1 made the deferred payment payment (the store terminal of the store that has a relationship between the first payment provider and the affiliated store). Payment information (for example, first identification information of the user U1, payment amount, payment date and time, store information where the payment was made, information indicating that the payment is deferred payment, etc.) is acquired (step S102). Based on the acquired payment information, the first payment management server 100 transmits the acquired payment information to the second payment management server 200 since the payment is deferred payment (step S103). Upon acquiring the payment information, the second payment management server 200 stores the acquired payment information (step S104). At this time, the second payment management server 200 stores the second identification information converted based on the table in which the first identification information and the second identification information correspond, as the payment information stored in the second payment management server. Alternatively, information indicating that the payment is coordinated from the first payment management server may be stored in association with the payment information. For example, the second payment management server 200 may store tag information indicating whether or not the payment is linked from the first payment management server in association with the payment information. Note that payment is not limited to payment by store scan as described above, but may also be payment by user scan. In the case of a user scan, payment information is transmitted to the second payment management server 200 via an application installed on the user terminal ₁₀₁ of the user U1. For example, when the user U1 uses the user terminal ₁₀₁ to read identification information displayed on a store terminal of a store that is an affiliated store, payment information is transmitted via a predetermined application. Note that in the case of deferred payment, the payment information is sent to the second payment management server 200 whether it is a store scan or a user scan, but in the case of balance payment, the payment information is sent to the second payment management server 200. You don't have to. In this case, the payment information is only stored in the first payment management server 100 and does not need to be linked to the second payment management server 200 (that is, it does not need to be stored in the second payment management server 200).

Subsequently, the user U1 performs card payment using the second identification information (step S105). When the user U1 makes a card payment, the second payment management server 200 sends payment information (for example, the second identification information of the user U1, the payment amount, and the payment amount) via the store terminal where the user U1 made the card payment. (step S106). At this time, the store (or store terminal) where the user U1 made the card payment may be the same store (or store terminal) as the store (or store terminal) where the user U1 made the deferred payment payment. It may be a different store (or store terminal) and there is no particular limitation. Upon acquiring the payment information, the second payment management server 200 stores the acquired payment information (step S107). At this time, the second payment management server 200 may store information indicating that the payment is by card in association with the payment information. For example, the second payment management server 200 may store tag information indicating whether the payment is by card or not, in association with the payment information.

The second payment management server 200 performs processing for providing payment-related benefits to the user U1 by totaling the payment information of the user U1 based on the stored payment information. At this time, the second payment management server 200 may periodically (for example, monthly) aggregate payment information for each user. The second payment management server 200 is a user U1 who has linked the user information on the service provided by the first payment provider with the user information on the service provided by the second payment provider. It is determined whether or not (step S108). In other words, the second payment management server 200 determines whether the first identification information and the second identification information of the user U1 are associated with each other. Then, the second payment management server 200 allows the user U1 to link the user information on the service provided by the first payment provider and the user information on the service provided by the second payment provider. Depending on whether the user U1 is a user or not, a providing means for providing benefits related to payment to the user U1 is determined. Here, the second payment management server 200 allows the user U1 to link the user information on the service provided by the first payment provider and the user information on the service provided by the second payment provider. The first payment provider decides to provide benefits related to user U1's payment, and requests the first payment management server 100 to provide benefits related to user U1's payment. The information is transmitted (step S109). Specifically, the second payment management server 200 provides the first payment management server 100 with the first identification information of the user U1 and payment information for a predetermined period (information such as payment amount, payment date and time, payment member store, etc.). ) and send. At this time, if the first payment management server 100 can convert the second identification information of the user U1 into the first identification information, the second payment management server 200 converts the second identification information of the user U1 into the first identification information. The second identification information of U1 may be transmitted. Further, at this time, the second payment management server 200 may only send payment information that is not a payment linked from the first payment management server 100. For example, the second payment management server 200 may transmit only the payment information for card payment using the second payment method without including the payment information for deferred payment using the first payment method. . When the first payment management server 100 obtains information indicating a request to provide a benefit related to the user U1's payment, the first payment management server 100 provides the benefit related to the user U1's payment (step S110). At this time, the first payment management server 100 may determine the granting rate of the benefit to be applied to the user U1 after a predetermined period based on the payment information of the user U1 acquired within the predetermined period. . For example, the first payment management server 100 may determine the award rate of benefits to be applied next month based on the current month's payment information. Further, the first payment management server 100 may change the award rate of the award based on the payment information provided by the first payment provider and the payment information provided from the second payment information. Note that the second payment management server 200 allows the user U1 to link the user information on the service provided by the first payment provider and the user information on the service provided by the second payment provider. If the user is not the user, the second payment provider side decides to provide a benefit regarding the payment to the user U1, and provides a benefit regarding the payment to the user U1.

Further, the user U2 performs card payment using the second identification information (step S201). When the user U2 makes a card payment, the second payment management server 200 sends the payment information (for example, the second (identification information, payment amount, payment date and time, store information where the payment was made, information indicating that the payment was made by card, etc.) is acquired (step S202). Upon acquiring the payment information, the second payment management server 200 stores the acquired payment information (step S203). The second payment management server 200 aggregates the payment information of the user U2 based on the stored payment information, thereby performing processing for providing benefits related to payment to the user U2. At this time, the second payment management server 200 may periodically (for example, monthly) aggregate payment information for each user. The second payment management server 200 is a user U2 who has linked the user information on the service provided by the first payment provider and the user information on the service provided by the second payment provider. It is determined whether or not (step S204). Then, the second payment management server 200 allows the user U2 to link the user information on the service provided by the first payment provider with the user information on the service provided by the second payment provider. Depending on whether the user is a user or not, a providing means for providing benefits related to payment to the user U2 is determined. Here, the second payment management server 200 allows the user U2 to link the user information on the service provided by the first payment provider and the user information on the service provided by the second payment provider. Since the user is not the user U2, the second payment provider decides to provide a benefit regarding the payment to the user U2, and provides a benefit regarding the payment to the user U2 (step S205). At this time, the second payment management server 200 may determine the granting rate of the benefit to be applied to the user U2 after the predetermined period based on the payment information of the user U2 acquired within the predetermined period. . For example, the second payment management server 200 may determine the award rate of benefits to be applied next month based on the current month's payment information. Note that the second payment management server 200 allows the user U2 to link the user information on the service provided by the first payment provider and the user information on the service provided by the second payment provider. If the user is a user, information indicating that the first payment provider side has decided to provide benefits related to user U2's payment and requests the first payment management server 100 to provide benefits related to user U2's payment. Send.

[1-4. About processing variations of the embodiment]
(Linkage of user information using third identification information)
In the above embodiment, the second payment management server 200 determines that if the first identification information and second identification information of the target user are not associated, the first payment provider and the second payment provider are different. Using the identification information of the service provided by the third payment provider (hereinafter referred to as "third identification information" as appropriate), the user information on the service provided by the first payment provider and the second payment It may also be linked with user information on a service provided by a business operator. Specifically, the second payment management server 200 determines whether or not the target user's first identification information and third identification information are associated with each other, and whether the target user's second identification information and third identification information are associated with each other. The first identification information and the third identification information of the target user are correlated, and the second identification information and the third identification information of the target user are determined. If it is determined that the third identification information is associated with the user information on the service provided by the first payment provider and the use on the service provided by the second payment provider, The information may be linked with personal information. The second payment management server 200 may use the third identification information to transmit information requesting the first payment management server 100 to provide a benefit related to the target user's payment.

(Request for funds for benefits)
In the embodiment described above, the second payment management server 200 may transmit request information for funds depending on the recipient of the funds for the award. For example, the second payment management server 200 may send request information for the funds to the first payment management server 100 if the first payment provider is set in advance to bear the funds for the award. At this time, the first payment provider may provide the benefit, or the second payment provider may provide the benefit. Furthermore, for example, if the recipient of the funds for the award is set in advance to the second payment provider, the second payment management server 200 does not have to send the request information for the funds to the first payment management server 100. Good too. At this time, the first payment provider may provide the benefit, or the second payment provider may provide the benefit.

(Determination of benefits based on the time of collaboration)
In the embodiment described above, the first payment management server 100 is configured to provide user information on the service provided by the first payment provider and the service provided by the second payment provider to the target user during a predetermined period. When linking with the user information of , the benefits to be given to the target user may be determined based on payment information after the cooperation is performed within a predetermined period.

(Management of payment information)
In the above embodiment, when the first payment method based on the first identification information is performed, the payment information is managed by the second payment management server 200 via the first payment management server 100. However, the present invention is not limited to this example. That is, the first payment management server 100 and the second payment management server 200 are server devices in which the first payment management server 100 provides a first payment method based on the first identification information, and the second payment management server 200 provides a first payment method based on the first identification information. Any server device may be used as long as it provides the second payment method based on the second identification information, and the management of payment information may be performed in any manner.

[2. Configuration of user terminal]
Next, the configuration of the user terminal 10 according to the embodiment will be described using FIG. 3. FIG. 3 is a diagram showing a configuration example of the user terminal 10 according to the embodiment. As shown in FIG. 3, the user terminal 10 includes a communication section 11, an input section 12, an output section 13, and a control section 14.

(Communication Department 11)
The communication unit 11 is realized by, for example, a NIC (Network Interface Card). The communication unit 11 is connected to a predetermined network N by wire or wirelessly, and transmits and receives information to and from the first payment management server 100 and the like via the predetermined network N.

(Input section 12)
The input unit 12 accepts various operations from the user. In the example shown in FIG. 1, various operations from the user U1 are accepted. For example, the input unit 12 may accept various operations from the user via the display screen using a touch panel function. Further, the input unit 12 may accept various operations from buttons provided on the user terminal 10 or a keyboard or mouse connected to the user terminal 10.

(Output section 13)
The output unit 13 is a display screen of a tablet terminal or the like realized by, for example, a liquid crystal display or an organic EL (Electro-Luminescence) display, and is a display device for displaying various information. For example, the output unit 13 displays information acquired from the first payment management server 100 or the like.

(Control unit 14)
The control unit 14 is, for example, a controller, and various programs stored in a storage device inside the user terminal 10 are stored in a RAM ( Random Access Memory) is used as a work area. For example, these various programs include application programs installed on the user terminal 10. For example, these various programs include an application program that accepts deferred payment using the first identification information. Further, the control unit 14 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. 3, the control unit 14 includes a receiving unit 141 and a transmitting unit 142, and realizes or executes the information processing operation described below.

(Receiving unit 141)
The receiving unit 141 receives various information from an external information processing device. The receiving unit 141 receives various information from other information processing devices such as the first payment management server 100. For example, when the deferred payment is made using the first identification information, the receiving unit 141 receives information indicating whether the deferred payment is completed. Further, for example, the receiving unit 141 receives information regarding benefits granted to the user based on the user's payment information, and information regarding the award rate of benefits applied to the user.

(Transmission unit 142)
The transmitter 142 transmits various information to an external information processing device. The transmitter 142 transmits various information to other information processing devices such as the first payment management server 100. For example, when linking user information on a service provided by a first payment provider and user information on a service provided by a second payment provider, the transmitting unit 142 The user information (user information including the first identification information) on the service provided by the business operator is transmitted to the second payment management server 200, and the user information (user information including the first identification information) on the service provided by the second payment business operator is sent to the second payment management server 200. (user information including second identification information) is transmitted to the first payment management server 100.

[3. Configuration of the first payment management server]
Next, the configuration of the first payment management server 100 according to the embodiment will be described using FIG. 4. FIG. 4 is a diagram showing a configuration example of the first payment management server 100 according to the embodiment. As shown in FIG. 4, the first payment management server 100 includes a communication section 110, a storage section 120, and a control section 130. Note that the first payment management server 100 includes an input unit (for example, a keyboard, a mouse, etc.) that receives various operations from the administrator of the first payment management server 100, and a display unit (for example, a liquid crystal display) for displaying various information. etc.).

(Communication Department 110)
The communication unit 110 is realized by, for example, a NIC or the like. The communication unit 110 is connected to the network N by wire or wirelessly, and transmits and receives information to and from the second payment management server 200 and the like via the network N.

(Storage unit 120)
The storage unit 120 is realized by, for example, a semiconductor memory device 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 120 includes a user information storage unit 121, a payment information storage unit 122, and a benefit provision condition storage unit 123.

The user information storage unit 121 stores user information on the service provided by the first payment provider. Here, an example of information stored in the user information storage section 121 will be explained using FIG. 5. FIG. 5 is a diagram showing an example of the user information storage unit 121 according to the embodiment. In the example of FIG. 5, the user information storage unit 121 has items such as "user ID" and "user information."

“User ID” indicates identification information for identifying a user who uses a service provided by the first payment provider. "User information" indicates user information of a user who uses the service provided by the first payment provider. In the example shown in FIG. 5, conceptual information such as "user information #1" and "user information #2" is stored in "user information", but in reality, the first Information such as identification information is stored. In addition, if the user has already linked the user information on the service provided by the first payment provider and the user information on the service provided by the second payment provider, the first identification information Information such as second identification information is stored in association.

The payment information storage unit 122 stores payment information on services provided by the first payment provider. Here, an example of information stored in the payment information storage section 122 will be explained using FIG. 6. FIG. 6 is a diagram illustrating an example of the payment information storage unit 122 according to the embodiment. In the example of FIG. 6, the payment information storage unit 122 has items such as "user ID" and "payment information."

“User ID” indicates identification information for identifying a user who uses a service provided by the first payment provider. "Payment information" indicates payment information on the service provided by the first payment provider. In the example shown in Figure 6, conceptual information such as "payment information #1" and "payment information #2" is stored in "payment information", but in reality, payment amount, payment date and time are stored. Information such as store information, payment method, etc. where payment was made is stored.

The privilege granting condition storage unit 123 stores privilege granting conditions on the service provided by the first payment provider. Here, an example of information stored in the benefit provision condition storage section 123 will be explained using FIG. 7. FIG. 7 is a diagram illustrating an example of the benefit provision condition storage unit 123 according to the embodiment. In the example of FIG. 7, the privilege granting condition storage unit 123 has items such as "Benefit Granting Condition ID" and "Benefit Granting Condition."

"Benefit granting condition ID" indicates identification information for identifying the benefit granting condition on the service provided by the first payment provider. “Benefit granting conditions” indicates privilege granting conditions on the service provided by the first payment provider. In the example shown in Figure 7, conceptual information such as "Benefit granting condition #1" and "Benefit granting condition #2" is stored in "Benefit granting condition", but in reality, the number of payments Information such as a table that associates the payment amount with the award grant rate is stored.

(Control unit 130)
The control unit 130 is a controller, and is realized by, for example, a CPU, an MPU, or the like executing various programs stored in a storage device inside the first payment management server 100 using the RAM as a work area. Further, the control unit 130 is realized by, for example, an integrated circuit such as an ASIC or an FPGA. As shown in FIG. 4, the control unit 130 according to the embodiment includes an acquisition unit 131, a determination unit 132, a provision unit 133, a benefit provision unit 134, and a payment control unit 135, and will be described below. Realize or execute information processing functions and actions.

(Acquisition unit 131)
The acquisition unit 131 acquires various information from an external information processing device. The acquisition unit 131 acquires various information from other information processing devices such as the second payment management server 200.

The acquisition unit 131 acquires various information from the storage unit 120. The acquisition unit 131 acquires various information from the user information storage unit 121, the payment information storage unit 122, and the benefit provision condition storage unit 123.

The acquisition unit 131 stores the acquired various information in the storage unit 120. The acquisition unit 131 stores various information in the user information storage unit 121, the payment information storage unit 122, and the benefit provision condition storage unit 123.

The acquisition unit 131 acquires payment information. For example, the acquisition unit 131 acquires payment information from a store terminal where a user made a payment using the first identification information. Furthermore, when the acquired payment information is based on balance settlement using the first identification information, the acquisition unit 131 causes the payment control unit 135 (described later) to perform the payment, and the acquired payment information is based on the first identification information. If the payment is based on the used deferred payment, the acquired payment information is provided to the second payment management server 200. The acquisition unit 131 also acquires payment information for deferred payment made by the user using the first identification information and card payment made using the second identification information from the second payment management server 200.

(Decision unit 132)
The determining unit 132 determines, based on the acquired payment information, a benefit to be granted to the user (for example, a benefit provided when the user makes a payment using the first payment method or the second payment method). Determine the content of benefits such as rates). For example, the determining unit 132 determines the benefits to be given to the user based on all the payment information acquired as the user's payment information. For example, the determining unit 132 includes payment information based on balance payment using the first identification information, payment information based on deferred payment using the first identification information, and payment information based on card payment using the second identification information. Based on this, the benefits to be given to users are determined.

(Providing unit 133)
The providing unit 133 provides information regarding the benefits to be given to the user determined by the determining unit 132. For example, the providing unit 133 provides information regarding the benefits that will be given to the user next month and the grant rate of the benefits that will be applied to the user from the next month.

(Benefit granting unit 134)
The benefit granting unit 134 executes processing for granting benefits to the user based on the benefit information to be granted to the user determined by the determining unit 132.

(Payment control unit 135)
The payment control unit 135 controls the user's payment using the first payment means.

[4. Configuration of second payment management server]
Next, the configuration of the second payment management server 200 according to the embodiment will be described using FIG. 8. FIG. 8 is a diagram showing a configuration example of the second payment management server 200 according to the embodiment. As shown in FIG. 8, the second payment management server 200 includes a communication section 210, a storage section 220, and a control section 230. The second payment management server 200 includes an input unit (for example, a keyboard, a mouse, etc.) that receives various operations from the administrator of the second payment management server 200, and a display unit (for example, a liquid crystal display) for displaying various information. etc.).

(Communication Department 210)
The communication unit 210 is realized by, for example, a NIC or the like. The communication unit 210 is connected to the network N by wire or wirelessly, and transmits and receives information to and from the first payment management server 100 and the like via the network N.

(Storage unit 220)
The storage unit 220 is realized by, for example, a semiconductor memory device such as a RAM or a flash memory, or a storage device such as a hard disk or an optical disk. As shown in FIG. 8, the storage section 220 includes a user information storage section 221 and a payment information storage section 222.

The user information storage unit 221 stores user information on the service provided by the second payment provider. Here, an example of information stored in the user information storage section 221 will be explained using FIG. 9. FIG. 9 is a diagram illustrating an example of the user information storage unit 221 according to the embodiment. In the example of FIG. 9, the user information storage unit 221 has items such as "user ID" and "user information."

"User ID" indicates identification information for identifying a user who uses the service provided by the second payment provider. "User information" indicates user information of a user who uses the service provided by the second payment provider. In the example shown in FIG. 9, conceptual information such as "user information #11" and "user information #12" is stored in "user information", but in reality, the second Information such as identification information is stored. In addition, if the user has already linked the user information on the service provided by the first payment provider and the user information on the service provided by the second payment provider, the second identification information Information such as first identification information is stored in association.

The payment information storage unit 222 stores payment information on the service provided by the second payment provider. Here, an example of information stored in the payment information storage section 222 will be explained using FIG. 10. FIG. 10 is a diagram illustrating an example of the payment information storage unit 222 according to the embodiment. In the example of FIG. 10, the payment information storage unit 222 has items such as "user ID" and "payment information."

"User ID" indicates identification information for identifying a user who uses the service provided by the second payment provider. "Payment information" indicates payment information on the service provided by the second payment provider. In the example shown in Figure 10, conceptual information such as "payment information #11" and "payment information #12" is stored in "payment information", but in reality, payment amount, payment date and time are stored. Information such as store information, payment method, etc. where payment was made is stored.

(Control unit 230)
The control unit 230 is a controller, and is realized by, for example, a CPU, an MPU, or the like executing various programs stored in a storage device inside the second payment management server 200 using the RAM as a work area. Further, the control unit 230 is realized by, for example, an integrated circuit such as an ASIC or an FPGA. As shown in FIG. 8, the control unit 230 according to the embodiment includes an acquisition unit 231, a determination unit 232, a determination unit 233, a provision unit 234, and a payment control unit 235, and provides information as described below. Realize or execute a processing function or action.

(Acquisition unit 231)
The acquisition unit 231 acquires various information from an external information processing device. The acquisition unit 231 acquires various information from other information processing devices such as the first payment management server 100.

The acquisition unit 231 acquires various information from the storage unit 220. The acquisition unit 231 acquires various information from the user information storage unit 221 and the payment information storage unit 222.

The acquisition unit 231 stores the acquired various information in the storage unit 220. The acquisition unit 231 stores various information in the user information storage unit 221 and the payment information storage unit 222.

The acquisition unit 231 acquires payment information. For example, the acquisition unit 231 acquires payment information from a store terminal where the user made a card payment using the second identification information. Further, for example, the acquisition unit 231 acquires payment information from a store terminal where the user has made a deferred payment using the first identification information, via the first payment management server 100.

(Determination unit 232)
The determination unit 232 determines whether the user information on the service provided by the first payment provider and the user information on the service provided by the second payment provider have been linked. That is, the determination unit 232 determines whether the first identification information and the second identification information are associated with each other.

(Decision unit 233)
The determining unit 233 determines a providing means for providing a payment-related benefit to the user according to the determination result by the determining unit 232. For example, if the determining unit 232 determines that the cooperation has been completed, the determining unit 233 determines to send information requesting the provision of benefits to the first payment management server 100, and the determining unit 232 determines that the cooperation has been completed. If it is determined that the payment is not completed, it is determined that the benefits will be provided.

(Providing unit 234)
The providing unit 234 transmits information indicating a request to provide a benefit to the first payment management server 100 in accordance with the providing means determined by the determining unit 233. At this time, the providing unit 234 provides the target user's payment information, such as the user's payment information based on the card payment using the second identification information and the user's payment information based on the deferred payment payment using the first identification information. is sent to the first payment management server 100.

(Payment control unit 235)
The payment control unit 235 controls the user's payment using the second payment means.

[5. Information processing flow]
The information processing procedure of the first payment management server 100 according to the embodiment will be described using FIG. 11. FIG. 11 is a flowchart illustrating an example of an information processing procedure according to the embodiment.

As shown in FIG. 11, the first payment management server 100 acquires the history of payments made by a predetermined user using the second payment means (step S301).

The first payment management server 100 determines the content of the benefit provided when a predetermined user makes a payment using the first payment means or the second payment means (step S302).

The information processing procedure of the second payment management server 200 according to the embodiment will be explained using FIG. 12. FIG. 12 is a flowchart illustrating an example of an information processing procedure according to the embodiment.

As shown in FIG. 12, the second payment management server 200 determines whether the first identification information and second identification information of a predetermined user are associated (step S401).

If the second payment management server 200 determines that the first identification information and the second identification information of a predetermined user are associated (step S401; YES), the second payment management server 200 is configured to provide benefits to the predetermined user. It is determined to provide payment information for a predetermined user (step S402). On the other hand, if the second payment management server 200 determines that the first identification information and the second identification information are not associated with each other (step S401; NO), the second payment management server 200 performs a predetermined usage process for granting benefits to a predetermined user. It is determined that the benefit will be provided based on the payment information of the person (step S403).

[6. effect〕
As described above, the second payment management server 200 according to the embodiment includes the determination unit 232 and the determination unit 233. The determining unit 232 determines whether first identification information for identifying a predetermined user in the first payment method is associated with second identification information for identifying a predetermined user in the second payment method. Determine whether or not. The determining unit 233 determines a providing means for providing a payment-related benefit to a predetermined user, according to the determination result of the determining unit 232 as to whether or not there is an association.

As a result, the second payment management server 200 according to the embodiment provides benefits to users who have made payments depending on whether or not user information on services provided by multiple payment providers is linked. can be controlled appropriately.

Further, the second payment means is provided by a service provider different from the service provider that provides the first payment method.

Thereby, the second payment management server 200 according to the embodiment can appropriately control the granting of benefits even if the service providers of the payment means are different.

Further, the first payment means is a payment means using first identification information displayed on a predetermined application or identification information displayed on a store terminal of a store related to the affiliated store. Further, the second payment means is a payment means using second identification information of a predetermined user issued for each user.

Thereby, the second payment management server 200 according to the embodiment can appropriately control awarding of benefits even when payment is made using a plurality of payment methods.

In addition, if the determining unit 233 determines that the first identification information and the second identification information are associated, the determining unit 233 requests the server device of the payment provider that provided the first identification information to provide the benefit. decide to send the information.

Thereby, the second payment management server 200 according to the embodiment can appropriately grant benefits so as not to give benefits twice, even if the payment providers are different.

In addition, when a predetermined user makes a payment using the first payment method, the determining unit 233 uses the payment information obtained from the store terminal of the store in the relationship between the payment provider and the affiliated store or the user's terminal. The means of provision will be determined based on this.

Thereby, the second payment management server 200 according to the embodiment can appropriately provide benefits even if the payment method network is through a member store.

Furthermore, when the predetermined user makes a payment using the second payment method, the determining unit 233 determines the provision method based on the payment information obtained from the server device of the business operator.

Thereby, the second payment management server 200 according to the embodiment can appropriately provide benefits even if the payment means network is via a card company.

Further, the determining unit 233 sends a benefit to a server device that determines a grant rate of a benefit to be applied to a predetermined user based on payment information using the first payment method and payment information using the second identification information. decide to send information requesting that you provide

Thereby, the second payment management server 200 according to the embodiment can appropriately control the provision of benefits.

Further, the determining unit 233 determines to transmit the first identification information of the predetermined user and the payment information for the predetermined period as information requesting the provision of the benefit.

Thereby, the second payment management server 200 according to the embodiment can appropriately control the provision of benefits.

Further, when the first identification information and the third identification information are associated with each other, and the second identification information and the third identification information are associated with each other, the determining unit 233 uses the third identification information to Decide on the means of provision.

As a result, the second payment management server 200 according to the embodiment can appropriately grant benefits even if the user is not a linked user by bridging user information using other identification information. can be controlled.

Furthermore, when determining that the first identification information and the second identification information are not correlated, the determining unit 233 determines to provide a benefit.

Thereby, the second payment management server 200 according to the embodiment can appropriately control the granting of benefits to avoid double granting of benefits even if the user is not a linked user.

The determining unit 233 also determines to transmit request information for funds depending on the recipient of the benefit funds.

Thereby, the second payment management server 200 according to the embodiment can appropriately request the burden of the benefit funds by determining the recipient of the benefit funds.

Further, the determining unit 233 determines to transmit the request information for the funds to the server device when the recipient of the funds for the benefit is the payment provider of the server device.

Thereby, the second payment management server 200 according to the embodiment can appropriately request the payment of the reward funds even if the payment provider to whom the reward funds are paid is different.

[7. Hardware configuration]
Further, the second payment management server 200 according to each of the embodiments described above is realized by, for example, a computer 1000 having a configuration as shown in FIG. 13. The second payment management server 200 will be described below as an example. FIG. 13 is a hardware configuration diagram showing an example of a computer that implements the functions of the second payment management server 200. 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 second payment management server 200, the CPU 1100 of the computer 1000 realizes the functions of the control unit 230 by executing a program loaded onto the RAM 1300. Further, each data in the storage device of the second payment management server 200 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.

[8. 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.

Further, the configuration of the second payment management server 200 described above can be changed flexibly, such as implementing some functions by calling an external platform or the like using an API (Application Programming Interface) or network computing.

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

10 User terminal 11 Communication unit 12 Input unit 13 Output unit 14 Control unit 100 First payment management server 110 Communication unit 120 Storage unit 121 User information storage unit 122 Payment information storage unit 123 Benefit provision condition storage unit 130 Control unit 131 Acquisition Units 132 Determination unit 133 Providing unit 134 Privilege granting unit 135 Payment control unit 141 Receiving unit 142 Transmission unit 200 Second payment management server 210 Communication unit 220 Storage unit 221 User information storage unit 222 Payment information storage unit 230 Control unit 231 Acquisition unit 232 Determining unit 233 Determining unit 234 Providing unit 235 Payment control unit

Claims (15)

First identification information for identifying a predetermined user in a first payment method; and second identification information for identifying the predetermined user in a second payment method that is a separate payment method from the first payment method . a determination unit that determines whether the identification information is associated with the identification information;
If it is determined that the first identification information and the second identification information are associated , the first payment method is adopted as a means for providing benefits provided by using the second payment method . If it is determined that the first identification information and the second identification information are not correlated, the second payment method is used as a means for providing benefits provided by using the second payment method. a decision unit that decides to adopt the means ;
If it is decided to adopt the first payment method as a means for providing the benefit, the second payment method by the predetermined user is sent to the first payment management device that manages the first payment method. a provision department that provides information regarding the use of the
A second payment management device comprising: The determination unit is configured to provide first identification information for identifying a predetermined user in a first payment means, and the first payment means is a separate payment means, independently or through the first payment means. determining whether or not the second identification information for identifying the predetermined user is associated with the second payment method available at the second payment method;
If it is determined that the first payment method is to be used as a means for providing the benefit, the provision unit at least provides the first payment management device that manages the first payment method with the predetermined use. provide information regarding the use of the second payment method by the person without going through the first payment method;
2. The second payment management device according to claim 1. 3. The second payment management device according to claim 1, wherein the second payment means is a payment method provided by a service provider different from the service provider that provides the first payment method. The first payment means is a payment means using the first identification information displayed on a predetermined application or identification information displayed on a store terminal of a store related to the affiliated store,
3. The second payment management device according to claim 1 , wherein the second payment means is a payment method using the second identification information of the predetermined user issued for each user. . The determining unit is
If it is determined that the first identification information and the second identification information are associated, send information requesting the server device of the payment provider that provided the first identification information to provide the benefit. The second payment management device according to claim 4 , wherein the second payment management device determines to send the payment. The determining unit is
When the predetermined user makes a payment using the first payment means, the providing means based on payment information obtained from a store terminal of a store in a affiliated store relationship with the payment provider or a terminal of the user. The second payment management device according to claim 5 , wherein the second payment management device determines: The determining unit is
When the predetermined user makes a payment using the second payment method, the provision method is determined based on payment information obtained from a server device of a business operator that provided the second identification information. The second payment management device according to claim 5 . The determining unit is
Providing the benefit to the server device that determines a grant rate of the benefit applied to the predetermined user based on payment information using the first payment method and payment information using the second identification information. 6. The second payment management device according to claim 5, wherein the second payment management device determines to transmit information requesting that the payment be made. The determining unit is
9. The second payment management system according to claim 8 , further comprising determining to transmit first identification information of the predetermined user and payment information for a predetermined period as information requesting provision of the benefit. Device. The determining unit is
When the first identification information and the third identification information are associated with each other, and the second identification information and the third identification information are associated with each other, the providing means uses the third identification information. The second payment management device according to claim 1 or 2 , wherein the second payment management device determines. The determining unit is
The second payment management device according to claim 1 or 2, wherein if it is determined that the first identification information and the second identification information are not correlated, it is determined to provide the benefit. The determining unit is
The second payment management device according to claim 1 or 2, wherein the second payment management device determines to transmit the billing information for the funds depending on the recipient of the funds for the benefit. The determining unit is
6. The second payment management device according to claim 5 , wherein if the recipient of the funds for the benefit is a payment provider of the server device, the second payment management device determines to transmit billing information for the funds to the server device. A second payment management method performed by a computer, comprising:
First identification information for identifying a predetermined user in a first payment method; and second identification information for identifying the predetermined user in a second payment method that is a separate payment method from the first payment method . a determination step of determining whether or not the identification information is associated;
If it is determined that the first identification information and the second identification information are associated , the first payment method is adopted as a means for providing benefits provided by using the second payment method . If it is determined that the first identification information and the second identification information are not correlated, the second payment method is used as a means for providing benefits provided by using the second payment method. a decision step of deciding to adopt the means ;
If it is decided to adopt the first payment method as a means for providing the benefit, the second payment method by the predetermined user is sent to the first payment management device that manages the first payment method. a provision step of providing information regarding the use of the
A second payment management method comprising: First identification information for identifying a predetermined user in a first payment method; and second identification information for identifying the predetermined user in a second payment method that is a separate payment method from the first payment method . a determination procedure for determining whether or not the identification information is associated;
If it is determined that the first identification information and the second identification information are associated , the first payment method is adopted as a means for providing benefits provided by using the second payment method . If it is determined that the first identification information and the second identification information are not correlated, the second payment method is used as a means for providing benefits provided by using the second payment method. a decision procedure for deciding to adopt the measure ;
If it is decided to adopt the first payment method as a means for providing the benefit, the second payment method by the predetermined user is sent to the first payment management device that manages the first payment method. a provision procedure for providing information regarding the use of;
A second payment management program characterized by causing a computer to execute.

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