JP7436732B2 - Payment service providing device, payment service providing method, and program - Google Patents

Description

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

Conventionally, in a transaction using a POS terminal, a technology has been disclosed that determines a benefit to be given to a customer in a transaction based on benefit grant conditions corresponding to a payment method specified by a payment method specifying means (Patent Document 1).

JP2020-008960A

Conventional techniques are not related to electronic payment services provided in collaboration with payment applications, and may not be suitably applied to such types of electronic payment services.

The present invention has been made in consideration of such circumstances, and provides a payment service providing device that can present a coupon to a user in a timely manner in an electronic payment service provided in cooperation with a payment application. One of the purposes is to provide payment service provision methods and programs.

One aspect of the present invention is a payment service providing device that allows a user to make an electronic payment at a physical store in cooperation with a payment application running on a user terminal device, and which acquires payment information of the user. and a payment information acquisition unit, which refers to the payment information and includes a notification image of a coupon regarding the first physical store where the most recent electronic payment was made in the payment completion screen of the most recent electronic payment and sends it to the user terminal device. This is a payment service providing device including a coupon giving unit for displaying a coupon.

According to one aspect of the present invention, a coupon can be presented to a user in a timely manner in an electronic payment service provided in cooperation with a payment application.

1 is a diagram illustrating an example of a configuration for realizing an electronic payment service. It is a diagram 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 figure showing an example of the contents of store information 176. It is a figure showing an example of top screen IM1 of payment application 20 before changing to a coupon list. It is a figure showing an example of coupon list screen IM2. It is a figure which shows an example of payment completion screen IM3. It is a figure showing an example of the contents of coupon setting information 178. 12 is a flowchart illustrating an example of the flow of processing related to coupon granting determination, which is executed by the coupon granting unit 126. It is a block diagram of payment server 100A concerning a 2nd embodiment. It is a figure which shows an example of the content of coupon setting information 178A. It is a figure for explaining the method of selecting a 2nd physical store. It is a diagram conceptually showing the flow of customer transfer to other stores and adjustment processing.

Hereinafter, a payment service providing device, a payment service providing method, and a program according to the present invention will be described with reference to the drawings. The payment service providing device is realized by one or more processors. The payment service providing device is a device that provides services such as electronic payment services. In the following description, the payment service providing device will be referred to as a "payment server." An electronic payment service is a service that supports payments for purchases of products and services at stores. A store is a physical store (actual store) that exists in real space.

[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 via the network NW, for example. 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 controls the camera, communication device, touch panel, etc.

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 placed in the store.

The second store terminal device 70 is used by a store operator. The second store terminal device 70 provides an interface for store operators using a browser, an application, or the like.

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 payment server 100 performs electronic payment by, for example, increasing or decreasing the charge balance managed in association with the user ID (in other words, depositing and withdrawing electronic money). Electronic payments may include methods such as revolving payment and credit card payments that enable purchases of a larger amount than the charge balance at the time of purchase.

FIG. 2 is a diagram 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, the payment application 20 is first activated on the user terminal device 10 and displays a code image such as a QR code or barcode. The user holds (presents) the display surface of the user terminal device 10 over the first store terminal device 50. The first store terminal device 50 decodes the code image using an optical reading function and obtains information such as an account ID. Then, the first store terminal device 50 generates payment information including an account ID, a payment amount, a store ID, etc., and transmits it to the payment server 100. Information on the payment amount is obtained in advance by barcode reading, manual input, etc. Based on the received information, the payment server 100 transfers the payment amount from the user's electronic payment account to the store's electronic payment account and completes the payment process.

In the case of pattern 2, the user terminal device 10 with the payment application 20 activated decodes the store code image 60 using the optical reading function. The store code image 60 includes information such as the store name. The user inputs the payment amount into the user terminal device 10 on the screen displaying the store name and the like. Then, the user terminal device 10 generates payment information including the user ID, payment amount, store ID, etc., and transmits it to the payment server 100. The payment server 10 performs payment processing based on the received information. Note that electronic payment may be performed only in one of the above patterns.

<First embodiment>
[Payment server]
The first embodiment will be described below. FIG. 3 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 information acquisition section 120, a payment content provision section 122, a payment processing section 124, a coupon provision section 126, an information management section 128, 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, store information 176, benefit setting information 178, and living area information 180.

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

The payment information acquisition unit 120 acquires the payment information of the user in any of the patterns described above, and registers it in the payment history information of the user information 172, which will be described later. Note that the payment history information may be information managed separately from the user information 172.

The payment content providing unit 122 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, including a payment completion screen to be described later. The payment content providing unit 122 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 124 performs payment processing based on the payment information transmitted by the user terminal device 10 or the first store terminal device 50 and acquired by the payment information acquisition unit 120. The payment processing unit 124 performs payment processing while referring to the user information 172.

FIG. 4 is a diagram showing an example of the contents of the user information 172. User information 172 is an example of user registration information. The user information 172 includes, for example, an account ID (which may be omitted), in addition to the minimum phone number and password required for new registration, email address, user ID, name/address/date of birth, Information such as registration date, charging balance, bank account, credit card number, other service cooperation information, charging history information, payment history information, and already given coupon information are associated with each other. Information other than the telephone number, password, registration date, charge balance, charge history information, and payment history information is optionally set information. Hereinafter, the user instance (electronic payment account) to which this information is associated will be referred to as an account. Note that the registration date is the date the user registered with the electronic payment service (the date the account was created).

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 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 other service cooperation information is the login ID of another service (for example, operated by an operator belonging to the same business group) that cooperates with 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 details of the payments made by the user (date and time, store ID of the store where the purchase was made, payment amount, etc.) for each payment. The assigned coupon information is information indicating the conditions for applying the coupon, the contents of the benefit, etc. that are ready to be applied at the time of electronic payment.

Information regarding stores is managed as store information 176. FIG. 5 is a diagram showing an example of the contents of the store information 176. The store information 176 is, for example, information such as a store category, location, payment pattern, etc., associated with a store ID. The store category may be information of one level, or may be information having a hierarchical structure of two or more levels. For example, information such as "Japanese food," "restaurant," or "restaurant" may be given as a superordinate concept to the illustrated "sushi." The location may be represented by hierarchical code information such as JIS code. The payment pattern is information indicating whether payment can be made using pattern 1 or pattern 2 described above.

When performing payment processing, the payment processing unit 124 refers to the attached coupon information in the user information 172, and if the store ID, payment time period, payment amount, etc. indicated in the payment information correspond to the coupon conditions, , perform payment processing using coupons. Details of the coupon will be described later.

The information management unit 128 creates new records of the user information 172 and store information 176, or updates each data item in the already created records, based on the information acquired from the user terminal device 10.

[Coupon given]
The coupon granting unit 126 performs processing for granting coupons to users. A coupon is a coupon that specifies in advance that a processing percentage or a predetermined amount will be discounted from the payment amount in electronic payment, or that it will be cashed back to the charge balance. Furthermore, the coupon may be a right to receive predetermined goods or the like when making an electronic payment.

For example, there are two types of coupons: general coupons and specific coupons. For example, the coupon providing unit 126 provides, as the specific coupon, a coupon with content different from a general coupon that is provided regardless of the user's electronic payment history. For example, general coupons may be posted on the coupon list screen of the payment application 20, and may be set by the store or set by the operator of the electronic payment service. Moreover, general coupons may be provided when a user performs an operation including following a store, or may be provided automatically. In the following explanation, when the term "store operator" is used, it includes the overall operator of a store that is a chain store.

FIG. 6 is a diagram showing an example of the top screen IM1 of the payment application 20 before transitioning to the coupon list. Top screen IM1 includes area A1 that contains code images such as barcodes and QR codes (registered trademarks) used for smartphone payments, and icons for instructing major operations in smartphone payments such as charging and scanning. area A2, where various icons for instructing various service settings in the electronic payment service are set. In area A3, an icon IC1 for transitioning to the coupon list screen is set. When the user operates the icon IC1, a coupon list screen displaying the contents of each coupon is displayed.

FIG. 7 is a diagram showing an example of the coupon list screen IM2. The coupon list screen IM2 has an area A4 that lists popular brands, an area A5 that lists stores that you are following, and coupons that have become available through user operations (including following). An icon IC3 is set for transitioning to the (My Coupon) list screen. The My Coupon list screen also includes specific coupons that have been acquired through operations by the user.

On the other hand, the specific coupon notification screen is presented to the user in a form that is included in the payment completion screen displayed by the user terminal device 10 upon receiving a notification from the payment server 100 when the electronic payment is completed. FIG. 8 is a diagram showing an example of the payment completion screen IM3. The payment completion screen IM3 is, for example, an area A6 where information about the store where the electronic payment was recently made is displayed, an area A7 where the payment amount, etc. is displayed, and a specific coupon notification screen, which can be operated by the user. Includes icon IC3, etc. By operating the icon IC3, the specific coupon becomes available to the user, and its contents are displayed on the My Coupon list screen. On the payment completion screen, the icon IC3 displays, for example, the phrase "an additional 10% discount." This means that, for example, a 5% discount is set as a general coupon by the same store, and a total discount of 15% can be obtained by using the specific coupon. Alternatively, if a 5% discount is set as a general coupon, for example, the same wording "15% discount" may be displayed. In this way, the coupon providing unit 126 may provide a coupon with a larger benefit than a general coupon as a specific coupon. If a general coupon is not set, the icon IC3 may be simply displayed with words such as "10% discount."

Information regarding coupon settings is defined by coupon setting information 178, and the coupon giving unit 126 performs processing while referring to coupon setting information 178. Among the coupon setting information 178, information regarding coupons set by the store is registered by the store operator performing an input operation on the interface for the store operator operating on the second store terminal device 70. FIG. 9 is a diagram showing an example of the contents of the coupon setting information 178. In the figure, the store indicated by store ID = 001 has set "5% discount" as a general coupon and "10% discount (plus general coupon)" as a specific coupon, and the store indicated by store ID = 002 does not set a general coupon, but sets "10% discount" as a specific coupon, and the store indicated by store ID = 003 sets "goods offer" as a general coupon, and sets a specific coupon. I haven't. Further, for a set of stores (for example, a shopping district) indicated by store IDs=005, 007, and 025, no general coupon is set, but "15% discount" is set as a common coupon and a specific coupon.

[Coupon granting judgment]
The specific coupon may not be provided at random, but may be determined based on the user's electronic payment history (payment history information). For example, when the user's electronic payment history satisfies a predetermined condition, the coupon giving unit 126 causes the user terminal device 10 to include a notification image of a specific coupon in the payment completion screen, and then displays the notification image on the user terminal device 10. A specific coupon will be given to the user.

The predetermined conditions are, for example, (1) the user whose payment information is concerned (hereinafter referred to as the user of interest) at the physical store where the payment information was most recently acquired (hereinafter referred to as the first physical store); , there is a history of electronic payments made using the electronic payment service within a predetermined period in the past. The coupon granting unit 126, for example, determines that the history of electronic payments using the store ID included in the payment information is included in the information regarding the user of interest in the user information 172, and that the history is within a predetermined period (for example, 1 (within 20 years), it is determined that the predetermined condition is satisfied. Note that "at the first physical store" may be read as "at the chain store to which the first physical store belongs." For example, the predetermined condition is that (2) the user of interest has a history of making electronic payments using the electronic payment service within a predetermined period in the past at a chain store to which the first physical store belongs; good. In this way, for example, in a case where the user uses the same chain store as usual while traveling, the user can obtain a specific coupon in the same way as when the user repeatedly uses the same first physical store.

In addition, the predetermined conditions are (3) that the user of interest has a history of making electronic payments using the electronic payment service at the first physical store within a predetermined period in the past; It is also possible that at least one of these conditions is satisfied. The living area refers to an area that is likely to be present on a daily basis, such as the residence, work, or school of the user of interest. Information within the living area is managed by living area information 180. The living area information 180 is, for example, information in which the user ID is associated with area information of the living area for each living time zone such as night and daytime (or regardless of the living time zone). The area information of the living area may be information expressed by administrative divisions such as cities, wards, towns, and villages, or may be information expressed in detail based on road structures and the like. The coupon giving unit 126 (or the living area estimating unit (not shown)) determines the location where the electronic payment was made for each living time zone based on the store ID included in the payment history information and the location included in the store information 176. Based on the distribution of the extracted locations, areas where there is a high probability of a user being present are identified, and these areas are estimated to be living areas and registered in the living area information 180. Further, the coupon giving unit 126 may register information obtained by receiving and accumulating location information uploaded from the payment application 20 in the living area information 180. In this case as well, "at the first physical store" may be read as "at the chain store to which the first physical store belongs." For example, the predetermined condition is that (4) the user of interest has a history of making electronic payments using the electronic payment service at the chain store of the first physical store within a predetermined period in the past; is within the living area of the user, and at least one of these conditions may be satisfied. In the predetermined condition, "the first physical store is within the user's living area" may mean that the first physical store is within the user's living area regardless of the user's living time zone, or it may be within the living area that matches the user's living time zone. It can also mean that.

Further, the predetermined condition may be a condition regarding whether or not a general coupon is used in the most recent electronic payment made by the user of interest, when a store related to the electronic payment issues a general coupon. In this case, the predetermined condition may be that (5) the store related to the most recent electronic payment has issued a general coupon and that general coupon has been used, or vice versa. (6) In the most recent electronic payment, the store related to the electronic payment may have issued a general coupon, and the general coupon may not have been used. In the case of (5), it is possible to reduce the inconvenience for users by omitting the presentation of specific coupons for users who do not have a habit of using coupons, and in the case of (6), general coupons can be used. It is possible to promote the use of coupons by presenting the specific coupon again to those who have not noticed it.

[Processing flow]
FIG. 10 is a flowchart illustrating an example of the process flow related to coupon granting determination, which is executed by the coupon granting unit 126. The processing in this flowchart is based on the premise that the predetermined condition is (3) above, and is executed every time new payment information is acquired by the payment information acquisition unit 120.

First, the coupon giving unit 126 searches the user information 172 using the user ID of the user of interest included in the payment information (S1). Next, the coupon assigning unit 126 determines whether or not there is a history of electronic payments assigned the same store ID as the store ID included in the payment information within a predetermined period of time in the information extracted in S1. Determine (S2).

If a negative determination result is obtained in S2, the coupon giving unit 126 determines that the location of the physical store (i.e., the first physical store) indicated by the store ID included in the payment information is the same as that of the user ID included in the payment information. It is determined whether the location is within the living area of the indicated user (S3).

If a positive determination result is obtained in either S2 or S3, the coupon providing unit 126 causes the user terminal device 10 to display the notification screen of the specific coupon in the payment completion screen (S4).

Here, the case where a positive determination result is obtained in S2 represents a situation in which the user of interest uses the same first physical store within a short period of time. In such a situation, it can be said that there is a high possibility that the user of interest will use the same first physical store on another occasion. Therefore, by giving a specific coupon that is different from a general coupon, there is a higher possibility that the specific coupon will be used and the first physical store will be used again, making it possible to effectively give coupons for the first physical store. can.

In addition, the case where a positive determination result is obtained in S3 represents a situation where the user of interest used the first physical store for the first time or after a long interval, and this alone indicates that the user of interest is the same. Although it cannot be said that there is a high possibility of using the first physical store, since the first physical store is within the user's usual living area, if there is a specific coupon, it may be possible to use it again. It can arouse motivation. As a result, the coupon can be effectively provided to the first physical store.

If a negative determination result is obtained in both S2 and S3, the coupon giving unit 126 does not display the notification screen of the specific coupon on the user terminal device 10 (S5). In this case, the coupon granting unit 126 includes, for example, a notification image of an alternative coupon prepared by the operator of the electronic payment service, a link image to a coupon list screen, other advertising images, etc. in the payment completion screen and displays the information on the user terminal device. 10 may be displayed.

According to the first embodiment described above, in the electronic payment service provided in collaboration with the payment application 20, coupons can be presented to the user in a timely manner.

In the above explanation, it is assumed that the specific coupon relating to the first physical store is displayed on the user terminal device 10 by being included in the payment completion screen, but at the same operation timing, the general coupon relating to the first physical store is displayed on the payment completion screen. It may be included in the screen and displayed on the user terminal device 10. That is, when a predetermined condition is met, a general coupon regarding the first physical store may be included in the payment completion screen and displayed on the user terminal device 10. The same applies to the second embodiment described below.

<Second embodiment>
The second embodiment will be described below. In the first embodiment, only the coupon of the first physical store itself is given as the specific coupon, but in the second embodiment, the coupon of another store may be given as the specific coupon.

FIG. 11 is a configuration diagram of a payment server 100A according to the second embodiment. In comparison with the payment server 100 of the first embodiment, the payment server 100A of the second embodiment further includes an adjustment processing unit 130. Further, the function of the coupon giving unit 126A and the content of the coupon setting information 178A are different from the function of the coupon giving unit 126 and the content of the coupon setting information 178 of the first embodiment. The following will mainly explain these differences.

Information regarding coupon settings is defined by coupon setting information 178A, and the coupon giving unit 126 performs processing while referring to coupon setting information 178A. Among the coupon setting information 178A, information regarding coupons set by the store is registered by the store operator performing an input operation on the interface for the store operator operating on the second store terminal device 70.

FIG. 12 is a diagram showing an example of the contents of the coupon setting information 178A. Compared to the coupon setting information 178 of the first embodiment, the coupon setting information 178A includes a provision for issuing a coupon of a store other than the own store (hereinafter referred to as a second physical store) as a specific coupon. is included. In the example of FIG. 12, the store indicated by store ID=004 (first physical store) is required to issue a coupon for the store indicated by store ID=002 (second physical store) as a specific coupon. It is set by the operator of the store (first physical store) indicated by 004.

When an electronic payment is made at the first physical store and the payment information is acquired, the coupon granting unit 126A includes the payment completion screen for the electronic payment at the first physical store based on the coupon setting information 178A. A notification image of a specific coupon regarding the second physical store is displayed on the user terminal device 10. According to the example of FIG. 12, when the electronic payment is made at the store indicated by store ID=004 and the payment information is acquired, the coupon giving unit 126A performs the electronic payment at the store indicated by store ID=004. A notification image of a specific coupon related to the store indicated by store ID=002 is displayed on the user terminal device 10 in the payment completion screen.

Regarding the method of selecting the second physical store, the second physical store may be selected by an input operation by the operator of the first physical store as described above, or the second physical store may be selected by another method. . For example, a setting such as "other store (leave it to the payment server)" may be made as the setting for the specific coupon in the coupon setting information 178A. In this case, the coupon giving unit 126A may randomly select the second physical store from among stores located close to the first physical store, or may narrow down the second physical store by referring to the living area information 180. good. For example, a second physical store located in an area estimated to be on the way back from the first physical store may be selected by referring to the living area information 180. FIG. 13 is a diagram for explaining a method of selecting a second physical store. As shown in the figure, the coupon setting information 178A includes, for example, the living area that is closest to the first physical store (or is estimated to have the highest possibility of heading there considering the time of day). 180, the stores therein may be extracted as second physical store candidates, and the second physical store may be selected from among the second physical store candidates. At this time, the coupon setting information 178A acquires the time required to travel from the first physical store to the second physical store by a known method, and selects a time-limited coupon with a deadline slightly longer than the required time as a specific coupon. It may be given to the user of interest as For example, if the required time is 3 hours, a time-limited coupon with a deadline of about 4 hours may be given to the user of interest as a specific coupon. Further, when the coupon giving unit 126A selects the second physical store, it may not select the same store category (any hierarchy) as the first physical store.

The adjustment processing unit 130 displays a notification image of a specific coupon regarding the second physical store on the payment completion screen corresponding to the electronic payment at the first physical store, and the user selects the second physical store while operating the notification image. When electronic payment is made at a store, processing is performed to make the operator of the second physical store pay a customer referral fee to the operator of the first physical store. FIG. 14 is a diagram conceptually showing the flow of customer referral to other stores and adjustment processing.

In this case, when the second physical store is selected by the input operation of the operator of the first physical store, the adjustment processing unit 130 determines that the higher the popularity of the second physical store, which is expressed by the number of electronic payments, etc. , the customer referral fee may be set low. Further, the adjustment processing unit 130 may present a customer referral fee for each store that is a candidate for the second physical store on the interface for store operators that operates on the second store terminal device 70.

According to the second embodiment described above, in addition to producing the same effects as the first embodiment, it is possible to revitalize the economy by mutual referral of customers in the economic zone of electronic payment at physical stores.

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

10 User terminal device 20 Payment application 50 First store terminal device 60 Store code image 70 Second store terminal device 100, 100A Payment server 120 Payment information acquisition section 122 Payment content provision section 124 Payment processing section 126, 126A Coupon provision section 128 Information management section 130 Adjustment processing section 170 Storage section 172 User information 174 Payment content information 176 Store information 178, 178A Coupon setting information 180 Living area information

Claims (8)

A payment service providing device that allows a user to make an electronic payment at a physical store in cooperation with a payment application running on a user terminal device,
a payment information acquisition unit that acquires payment information of the user, including information on the physical store where the electronic payment was made ;
Referring to the physical store information included in the payment information, the user terminal includes a notification image of a specific coupon regarding the first physical store where the electronic payment was most recently made in the payment completion screen of the most recent electronic payment. a coupon giving unit that is displayed on the device;
Equipped with
The specific coupon is a coupon with content different from a general coupon that is provided regardless of the user's electronic payment history, which is the history of processing performed by the payment service providing device based on the payment information ,
The coupon granting unit causes the user terminal device to include a notification image of the specific coupon in the payment completion screen of the most recent electronic payment when the user's electronic payment history satisfies a predetermined condition. ,
The predetermined condition is that, in the case where the first physical store has issued the general coupon to the user, the user did not use the general coupon in the most recently performed electronic payment. ,
Payment service providing device. The coupon providing unit provides a coupon with a larger benefit than the general coupon as the specific coupon.
The payment service providing device according to claim 1 . When the notification image of the specific coupon is operated by the user, the image of the specific coupon is displayed on a screen different from the general coupon list screen.
The payment service providing device according to claim 1 or 2 . The coupon granting unit includes a notification image of a specific coupon regarding a second physical store on a payment completion screen for electronic payment at the first physical store on the user terminal device based on predetermined coupon setting information. to be displayed,
The payment service providing device according to any one of claims 1 to 3 . The coupon granting unit includes a notification image of a specific coupon regarding a second physical store in a store category different from that of the first physical store on the user terminal device, by including it in a payment completion screen for electronic payment at the first physical store. to be displayed,
The payment service providing device according to any one of claims 1 to 4 . When the user makes an electronic payment at the second physical store while the notification image of a specific coupon related to the second physical store is operated, the operator of the second physical store sends an email to the first physical store. further comprising an adjustment processing unit that performs processing for making the operator pay a customer transfer fee;
The payment service providing device according to claim 4 or 5 . A payment service providing device that allows users to make electronic payments at physical stores in cooperation with a payment application running on a user terminal device,
Obtain payment information of the user, including information on the physical store where the electronic payment was made ,
Referring to the physical store information included in the payment information, the user terminal includes a notification image of a specific coupon regarding the first physical store where the electronic payment was most recently made in the payment completion screen of the most recent electronic payment. display on the device,
The specific coupon is a coupon with content different from a general coupon that is provided regardless of the user's electronic payment history, which is the history of processing performed by the payment service providing device based on the payment information ,
When the electronic payment history of the user satisfies a predetermined condition, the payment service providing device displays a notification image of the specific coupon on the user terminal device by including it in the payment completion screen of the most recent electronic payment. let me,
The predetermined condition is that, in the case where the first physical store has issued the general coupon to the user, the user did not use the general coupon in the most recently performed electronic payment. ,
Method of providing payment services. A processor of a payment service providing device that cooperates with a payment application running on a user terminal device to allow a user to make an electronic payment at a physical store,
A process of acquiring payment information of the user , including information on the physical store where the electronic payment was made ;
Referring to the physical store information included in the payment information, the user terminal includes a notification image of a specific coupon regarding the first physical store where the electronic payment was most recently made in the payment completion screen of the most recent electronic payment. Processing to display on the device,
A program for executing
The specific coupon is a coupon with content different from a general coupon that is provided regardless of the user's electronic payment history, which is the history of processing performed by the payment service providing device based on the payment information ,
The processor is configured to include a notification image of the specific coupon in the payment completion screen of the most recent electronic payment and display it on the user terminal device when the user's electronic payment history satisfies a predetermined condition. let it be done,
The predetermined condition is that, in the case where the first physical store has issued the general coupon to the user, the user did not use the general coupon in the most recently performed electronic payment. ,
program.

Images