WO2020121521A1 - Système de gestion de paiement et procédé de gestion de paiement - Google Patents

Système de gestion de paiement et procédé de gestion de paiement Download PDF

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Publication number
WO2020121521A1
WO2020121521A1 PCT/JP2018/046132 JP2018046132W WO2020121521A1 WO 2020121521 A1 WO2020121521 A1 WO 2020121521A1 JP 2018046132 W JP2018046132 W JP 2018046132W WO 2020121521 A1 WO2020121521 A1 WO 2020121521A1
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Prior art keywords
stores
store
payment
predetermined
incentive
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PCT/JP2018/046132
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English (en)
Japanese (ja)
Inventor
亮平 佐竹
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株式会社日立製作所
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Application filed by 株式会社日立製作所 filed Critical 株式会社日立製作所
Priority to JP2019555049A priority Critical patent/JP6814308B2/ja
Priority to PCT/JP2018/046132 priority patent/WO2020121521A1/fr
Publication of WO2020121521A1 publication Critical patent/WO2020121521A1/fr

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising

Definitions

  • the present invention relates to a payment management system and a payment management method.
  • a dynamic payment processing system that changes the content of the payment processing according to a payment occasion, and information about payment using a payment card.
  • Payment information acquisition means for acquiring certain payment information, payment occasion information set as information about a situation/situation in which payment is performed using a payment card, and information about the contents of payment processing associated with the payment occasion information.
  • Payment processing information management means that stores payment processing information and payment processing information stored in the payment processing information management means that corresponds to the payment occasion information satisfied by the payment information acquired by the payment information acquisition means.
  • a dynamic payment processing system including a payment processing information acquisition unit that acquires processing information and a payment processing unit that performs payment processing based on the payment processing information acquired by the payment processing information acquisition unit (see Patent Document 1). Have been proposed.
  • a suitable consumer wants to settle the payment by designating the payment method. Otherwise, the operating rate of the payment method will decrease, and it may be difficult to expect an increase in store sales itself.
  • a payment method eg, cash register, various readers, lines, etc.
  • an object of the present invention is to provide a technique for efficiently improving the usage status of a payment method at a store and activating transactions at the store.
  • a settlement management system of the present invention that solves the above-mentioned problems is a storage device that holds a transaction history by a predetermined settlement means in each of a plurality of stores, and a transaction status by the settlement means in the plurality of stores indicated by the transaction history is predetermined.
  • a predetermined rule according to the conditions is included, and an arithmetic unit that specifies the content of the incentive to be issued with respect to the stores included in the plurality of stores.
  • an information processing system including a storage device for holding a transaction history by a predetermined settlement means in each of a plurality of stores indicates that the transaction history indicates a transaction status by the settlement means in the plurality of stores.
  • the content of the incentive to be issued for the stores included in the plurality of stores is specified by a predetermined rule according to the conditions.
  • the present invention it is possible to efficiently improve the usage status of the payment method at a store and activate the transaction at the store.
  • FIG. 1A is a network configuration diagram including the payment management system 100 of this embodiment.
  • the payment management system 100 shown in FIG. 1 is a computer system that efficiently improves the usage status of payment means in a store and activates transactions in the store.
  • a credit card is assumed as an example of a payment method, and the description will be given.
  • the payment method is not limited to a credit card, and any payment method such as a debit card or a prepaid card can be applied as long as it is a non-cash payment method.
  • the payment management system 100 of the present embodiment is connected to each of the payment terminal 200, the card issuing company system 300, and the user terminal 400 via an appropriate network so that data communication is possible.
  • the payment terminal 200 is not particularly limited in the implementation form, but as an example, a POS terminal provided in each store can be assumed.
  • the payment terminal 200 which is a POS terminal, executes the operation of specifying the price by reading the product tag or the like, and reading the credit card (presented by the customer) by the card reading unit 201.
  • the payment terminal 200 transmits the thus obtained card information and price value as billing information to the payment management system 100 via the dedicated line 10.
  • the payment management system 100 receives the above-mentioned billing information, refers to the card number included in this billing information by the settlement switch unit 106, identifies the issuer, and then the system of the relevant card issuer, that is, the card.
  • the billing information is distributed to the issuing company system 300 via the dedicated line 10.
  • the card issuing company system 300 receives the above-mentioned billing information, executes a predetermined credit process called a so-called authorization with respect to the corresponding card, and returns the result to the settlement terminal 200 through the settlement management system 100 as settlement approval or disapproval.
  • the series of authorization process itself through the payment management system 100 and the card issuing company system 300 caused by the billing information from the payment terminal 200 of the store is the same as that performed by the existing payment system.
  • the user terminal 400 is a terminal that is connected to the payment management system 100 via the network 11 such as the Internet and receives a predetermined application distribution.
  • it is a terminal held by a consumer who purchases a product or service at a store or the like equipped with the payment terminal 200, and various mobile terminals such as smartphones and tablet terminals can be envisioned.
  • This consumer activates the application distributed from the payment management system 100 on the user terminal 200 and operates it appropriately, and incentives such as discounts, preferential treatment, and cashback are given to purchases and the like among various stores.
  • incentives such as discounts, preferential treatment, and cashback are given to purchases and the like among various stores.
  • a person who can browse the information of the store and reflect it in actual consumption behavior such as selection of the store.
  • the user terminal 400 holds the GPS unit 403 in addition to the above-mentioned application 401, and displays on the application 401 a map according to the current position of the consumer identified by the GPS unit 403. Further, on this map, the coupon confirmation unit 402 of the application 401 arranges/displays the icon of the nearest store to which the incentive is provided and information on the incentive at the store.
  • the information arranged and displayed here is distributed by the payment management system 100.
  • Hardware configuration The hardware configuration of the payment management system 100 of this embodiment is as shown in FIG. 1B.
  • the payment management system 100 includes a storage device 101, a memory 103, a calculation device 104, and a communication device 105.
  • the storage device 101 is a device configured by an appropriate nonvolatile storage element such as an SSD (Solid State Drive) or a hard disk drive.
  • an SSD Solid State Drive
  • a hard disk drive any suitable nonvolatile storage element
  • the memory 103 is a device including a volatile storage element such as RAM.
  • the arithmetic device 104 is a CPU that executes the program 102 held in the storage device 101 by reading it into the memory 103 to perform overall control of the device itself and also performs various determinations, arithmetic operations, and control processes.
  • the communication device 105 is a network interface card that is connected to the networks 10 and 11 and is responsible for communication processing with other devices such as the payment terminal 200, the card issuing company system 300, and the user terminal 400.
  • the payment management system 100 may further include an input device that receives a key input and a voice input from a user, and an output device such as a display that displays processed data, in addition to the above-described configuration.
  • POS transaction history information 115 in addition to the program 102 for implementing the functions required as the payment management system of this embodiment, POS transaction history information 115, member store management information 116, user information 117, coupon issuing rules.
  • Information 118, coupon issue target store information 119, area scoring information 120, non-cash decision area score coupon adjustment information 121, member store correlation coefficient information 122, member store correlation coupon adjustment information 123, remaining time coupon adjustment information 124, and At least payment balance coupon adjustment information 125 is stored. However, details of these pieces of information will be described later.
  • the functions implemented by executing the program 102 include a payment switch unit 106, a member store management unit 107, a coupon issuing engine 108, a data analysis engine 109, and an application management unit 110.
  • the payment switch unit 106 has a function of identifying the corresponding card issuing company system 300 based on the card information obtained from the payment terminal 200 and distributing the billing information thereto, as described above.
  • the member store management unit 107 is a store provided with the payment terminal 200, and has a function of managing information on the member store of the above-mentioned credit card. Specifically, the member store management information 116 described later manages the information of each member store.
  • the coupon issuing engine 108 has a function of managing the issuing of coupons that are given as incentives when the above member stores are used.
  • the coupon issuing engine 108 forms a main function of the payment management system 100 in cooperation with the data analysis engine 109.
  • the data analysis engine 109 is a function of providing information necessary for the coupon issue engine 108 to manage coupon issue. Specifically, it is determined whether the transaction status by credit card payment at a store group located in a predetermined area, which is indicated by the transaction history of each member store, meets a predetermined condition, and a predetermined rule according to the corresponding condition is used. , The content of the coupon issued with respect to a predetermined store included in the store group is specified. Details of such processing will be described later.
  • the application management unit 110 has a function of holding an application 401 to be delivered to the user terminal 400 and delivering the application 401 in response to a request from the user terminal 400.
  • Data structure example Next, information used by the payment management system 100 of this embodiment will be described.
  • FIG. 2 shows an example of the POS transaction history information 125 according to this embodiment.
  • the POS transaction history information 125 is a table in which the billing information sent from the payment terminal 200 of each member store is appropriately aggregated and accumulated for each payment terminal of each member store.
  • the data structure has a store name that uniquely identifies a member store, a MID (store ID), and a TID (ID of the payment terminal 200) as keys, and is used in the payment terminal 200 for a predetermined period (for example, the most recent month).
  • a total settlement amount total value of payments made by credit card settlement
  • a total number of settlements number of credit card settlement opportunities
  • FIG. 3 shows an example of the member store management information 116 of this embodiment.
  • the member store management information 116 uses the MID (common to the POS transaction history information 115) and the store name that uniquely identify the member store as the key, the address, area classification, MCC, total settlement amount, and total number of settlements of the member store. , And a member store score are associated with each other.
  • the area classification is the value of “urban” or “countryside” that the member store management unit 107 specifies by applying the value of the “address” column to a predetermined determination rule.
  • the rule in this case is held by the member store management unit 107, and as an example, a list of addresses belonging to “city” and a list of addresses belonging to “country” are applicable.
  • MCC is a store-type category code defined in advance by the card issuing company, and is included in the information obtained from the member store when the member store management unit 107 registers information on the member store.
  • the total payment amount is the total amount of money at each payment opportunity that occurred in the relevant member store for a predetermined period such as the most recent one month, and specifically, in the corresponding member store in the POS transaction history information 115. It is the total value of the "total payment amount" for each payment terminal.
  • the total number of payments is the total number of payment opportunities that occurred in the relevant member store for a predetermined period such as the latest one month, and specifically, the respective payments in the relevant member store in the POS transaction history information 115. It is the total value of the "total number of payments" for the terminal.
  • the member store score is the score of the member store judged by the data analysis engine 109 based on the total payment amount and the total number of payments. Specifically, the higher the total payment amount and the total number of payments, the higher the score.
  • FIG. 4 shows an example of the data structure of the user information 117 of this embodiment.
  • This user information 117 is a table in which the possessed card and information regarding the coupon acquisition status are accumulated for each consumer who purchased the product/service at the above-mentioned member store.
  • the data structure is a set of records in which the value of the credit card information held by the consumer and used for settlement and the value of the coupon acquisition status are associated with the user name that uniquely identifies the consumer as a key.
  • FIG. 5 shows an example of the data configuration of the coupon issue rule information 118 of this embodiment.
  • the coupon issue rule information 118 is a table that stores coupon issue rules.
  • the data structure uses the rule name that uniquely identifies the rule as a key, the priority of the rule, the condition, the target settlement amount, the target settlement income, the coupon issue ticket size, the expected coupon value in the settlement unit, and the settlement unit It is a collection of records in which values such as actual coupons and affiliated cards are associated with each other.
  • condition is the applicable condition of the coupon.
  • the target payment amount is the target payment amount for the coupon issuance based on the rule.
  • the target settlement income is the settlement income targeted for the coupon issuance based on the rule.
  • the settlement income is, for example, a fee collected by the settlement management system 100 in accordance with the settlement opportunity of the target settlement amount described above.
  • coupon issue ticket size is a unit of the payment amount corresponding to the coupon issue.
  • the expected coupon value for each payment unit is the content of the incentive indicated by the coupon, that is, the upper limit of the cashback amount.
  • the actual coupon for each payment unit is the content of the coupon issued for the payment amount of the coupon issue ticket size, that is, the cashback amount.
  • the affiliated card is a credit card that must be used for payment, which is a condition for acquiring the incentive of the coupon.
  • FIG. 6 shows a data configuration example of the coupon issue target store information 119 of the present embodiment.
  • the coupon issuance target store information 119 is a table that stores information about the relevant member store identified by the above-described coupon issuing rule information 118 and coupons to be issued for the member store.
  • the data structure corresponds to values such as store name, address, area, area classification, issued coupon, number of issued, and cashback amount of the member store with the MID that uniquely identifies the member store for which the coupon is issued as a key. It is a collection of attached records.
  • the area is the area to which the address of the member store belongs. This area can be assumed to be, for example, a map of a predetermined area divided into rectangular areas having a predetermined area.
  • the area division indicates whether the area is a city or a countryside, and is common to the area division of the member store management unit 107.
  • the issued coupon is the coupon name of the coupon specified for the member store based on the above-mentioned coupon issue rule information 118.
  • the number of issued coupons is the number of coupons issued for the member store. This value is used by the payment management system 100 for the corresponding device (such as the user terminal 400 or the payment terminal 200 of the member store) for the usage instruction of the corresponding coupon in the application 401 of the user terminal 400 or the usage information of the corresponding coupon in the member store. The value is incremented each time it is acquired from.
  • the cashback amount is the content of the incentive in the coupon, and at a stage where no correction or the like (processing in Flow Example 4 described later) is performed, the cashback amount in the coupon issue rule information 118 is set to “in payment unit”.
  • the value of the cashback amount of "coupon" is set as a default value.
  • FIG. 7 shows a data configuration example of the area scoring information 120 of the present embodiment.
  • the area scoring information 120 is a table that stores information about each area set in the coupon issue target store information 119 described above.
  • the data structure is a set of records in which values such as period, total settlement amount, total settlement count, and non-cash area score are associated with the area as a key.
  • the period is the acquisition period of the information that was processed for the area.
  • This information is information about the total amount of payment, the total number of payments, and the member store score in the member store management information 116 during the relevant period.
  • the total settlement amount is the total settlement amount at each member store in the area (the total settlement amount of the corresponding member stores in the member store management information 116).
  • the total number of payments is the total number of payments at each member store in the area (total value of the total number of payments of the member stores in the member store management information 116).
  • the non-cash area score indicates the degree of penetration of credit card payment opportunities in the area based on the total payment amount and the total number of payments.
  • FIG. 8 shows a data configuration example of the non-cash area score coupon adjustment information 121 of the present embodiment.
  • the coupon content once specified based on only the coupon issue rule information 118 (that is, the total settlement amount and the city center/countryside of the area defined in “conditions”) It defines information to be adjusted according to the non-cash area score in.
  • the data structure is a set of records in which the correction value of the coupon content under the condition is associated with the condition as a key.
  • the value of reduction/increase of cash back amount is defined as the correction value for the range of the non-cash area score as the condition.
  • FIG. 9 shows a data configuration example of the member store correlation coefficient information 122 of the present embodiment.
  • the member store correlation coefficient information 122 is a table that stores the correlation coefficient corresponding to the strength of the continuity of visits and purchases accompanying the stores adjacent to each other.
  • the data structure is a set of records in which the correlation coefficient is associated with the set of MCC, with the set of MCC (MCC1 and MCC2) corresponding to the type of industry forming a correlation set as a key.
  • the correlation coefficient indicating the strength of continuity of visits and purchases accompanying it between adjacent stores of the industry is “0.6”. It is prescribed.
  • FIG. 10 shows a data configuration example of the member store correlation coupon adjustment information 123 of the present embodiment.
  • the member store correlation coupon adjustment information 123 is the coupon content once specified based on only the coupon issue rule information 118 (that is, the total settlement amount and the city center/countryside of the area defined by the “condition”), or this coupon content. Which is corrected based on the above-mentioned non-cash area score coupon adjustment information 121, and a member store score in the adjacent store of the processing target member store, and a correlation coefficient between the member store and the adjacent store. It defines the information to be adjusted according to.
  • the data structure is a set of records in which the correction value of the coupon content under the condition is associated with the condition as a key.
  • a reduction/increase value of the cashback amount is defined as a correction value with respect to a range of member store scores of adjacent stores.
  • FIG. 11 shows a data configuration example of the remaining time coupon adjustment information 124 of the present embodiment.
  • the remaining time coupon adjustment information 124 is the coupon content once specified based on only the coupon issue rule information 118 (that is, the total payment amount and the city center/countryside of the area defined by the “condition”), or this coupon content. Is corrected based on the above-mentioned non-cash area score coupon adjustment information 121, or these coupon contents are corrected based on the above-mentioned member store correlation coupon adjustment information 123. It defines information to be adjusted according to the remaining period until the predetermined target date.
  • the data structure is a set of records in which the correction value of the coupon content under the condition is associated with the condition as a key.
  • a reduction/increase value of the cashback amount is defined as a correction value for the range of the above remaining period.
  • FIG. 12 shows a data configuration example of the settlement balance coupon adjustment information 125 of the present embodiment.
  • the settlement balance coupon adjustment information 125 is the coupon content once specified based on only the coupon issue rule information 118 (that is, the total settlement amount and the city center/countryside of the area defined in the “condition”), or this coupon content. Is corrected based on the non-cash area score coupon adjustment information 121 described above, or these coupon contents are corrected based on the member store correlation coupon adjustment information 123 described above, or these coupon contents are adjusted to the remaining time coupon described above. Information that adjusts one of the items corrected based on the information 124 according to the unachieved amount of the target payment amount that is predetermined for each area or member store is defined.
  • the data structure is a set of records in which the correction value of the coupon content under the condition is associated with the condition as a key.
  • a reduction/increase value of the cashback amount is defined as a correction value with respect to the above-mentioned unachieved amount range.
  • Flow example 1 (main flow) The actual procedure of the payment management method according to this embodiment will be described below with reference to the drawings.
  • Various operations corresponding to the payment management method described below are realized by a program that the payment management system 100 reads into a memory or the like and executes.
  • the program is composed of codes for performing various operations described below.
  • FIG. 13 is a diagram showing a flow example 1 of the payment management method in the present embodiment. Here, first, the main flow of the payment management method will be described.
  • the payment management system 100 performs scoring, that is, payment terminal scoring, on the payment terminals 200 provided in each member store (s1). Details of this settlement terminal scoring will be described later with reference to FIG.
  • the payment management system 100 determines the store to which the coupon is issued among the member stores based on the result of the settlement terminal scoring in s1 described above (s2). Details of the determination of the coupon issue target will be described later with reference to FIG.
  • the payment management system 100 determines the contents of the issued coupon regarding the member store for which the coupon is issued determined in s2 (s3). Details of this coupon value determination will be described later with reference to FIGS.
  • the payment management system 100 distributes and displays the information of the coupon whose issue target and content are determined up to s3 to the application 401 of the user terminal 400 (s4), and ends the process.
  • FIG. 14A shows a flow example 2 of the payment management method in the present embodiment.
  • the payment management system 100 aggregates the values of the total payment amount and the total number of payments for each payment terminal of each member store, which is indicated by the POS transaction history information 115, for each member store, and in the member store management information 116.
  • the "total payment amount” and the “total payment count” are calculated to calculate the member store score (s10).
  • This member store score is calculated, for example, when the total settlement amount is 5 points in the range of 0 to 100 yen, 10 points in the range of 101 to 200 yen, 20 points in the range of 201 to 500 yen, and 501 to 3000 yen. 30 points in the range, 40 points in the range of 3001 to 20000 yen, 50 points in the range of 20001 yen or more, and 5 points in the range of 0 to 2 times, 10 points in the range of 3 to 9 times, 10 Under the rules of 20 points for 20 times, 30 points for 21 to 50 times, 40 points for 51 to 100 times, and 50 points for 101 times or more, the total settlement amount and the total number of settlements, respectively. It is possible to envision a form in which the member stores score is obtained by summing up the scores of the above.
  • the payment management system 100 has a predetermined length unit (e.g., a unit corresponding to a distance that divides the city into several) in advance.
  • the corresponding area in the map information of (1) is divided into a grid, and a rectangular area is generated as the settlement area 1401 (s11).
  • the payment management system 100 identifies the member store located in the above-mentioned payment area 1401 by collating the value of the address column in the member store management information 116 with the above map information, and the total payment of the member store.
  • the amount and the total number of payments (calculated along with the calculation of the member store score in s10) are totaled for a predetermined period, and the non-cash area score is calculated based on the totaled value (s12).
  • the total settlement amount for the settlement area 1401 is 5 points in the range of 0 to 5000 yen, 10 points in the range of 5001 to 15000 yen, and 15 points in the range of 1501 to 30000 yen.
  • the payment management system 100 stores the non-cash area score calculated in s12 in the "non-cash area score" column in the area scoring information 120 (s13).
  • the payment management system 100 for the combination of MCC units of each member store located in the same payment area (preferably adjacent) in the member store management information 116, the total amount of payment between member stores belonging to the combination.
  • the correlation analysis of (1) is executed by the correlation analysis algorithm held by the data analysis engine 109, the analysis result is stored in the member store correlation coefficient information 122 (s14), and the process is ended.
  • a set of a member store located in a settlement area 1401 and having an MCC value corresponding to a general store and a member store having a value corresponding to a cafe is predetermined based on the member store management information 116.
  • the payment management system 100 refers to the coupon issuance rule information 118, and sets the “condition” in the “priority” order (“1” is given the highest priority) in the total payment amount and area classification in each member store. The information is sequentially compared with each information (acquired from the member store management information 116) (s20).
  • the area classification “city” in the member store of MID “123” in the member store management information 116 For example, the total settlement amount “400” yen, and the condition “POS transaction” in the rule of priority “1” in the coupon issue rule information 118.
  • the total amount is 0 yen or less
  • the conditions of the rule result in matching with the situation of the relevant member store.
  • the payment management system 100 It is determined whether the “target settlement income” in the corresponding rule can be achieved (s23).
  • the settlement management system 100 first calculates the required number of coupons to be issued by dividing the remaining settlement balance up to the "target settlement amount” value in the applicable rule by the "coupon issue ticket size” value. ..
  • the remaining settlement balance corresponds to a value obtained by subtracting the value of the total settlement amount of the relevant member store (extracted from the member store management information 116) from the value of the “target settlement amount” of the rule.
  • the settlement management system 100 divides the remaining settlement balance "20,000 yen” by “200 yen” of "coupon issue ticket size” of "coupon 2" to calculate the required number of coupon issuance as "100". become.
  • the payment management system 100 multiplies the value of the “expected coupon value in payment unit” in the corresponding rule by the value of the above-mentioned required number of coupons to be issued (hereinafter referred to as the required coupon amount), and the “target payment income”. Value of.
  • the required coupon amount "1000” that is obtained by multiplying the "expected coupon value in payment unit” "10” yen of "Coupon 2" by the value "100” of the required coupon coupon number
  • the “yen” is compared with the value “500” yen of the “target settlement income” of the “coupon 2”.
  • the settlement management system 100 decides to issue the coupon and issues the information of the corresponding member store. It is registered in the target store information 119 (s21), and the process ends.
  • the payment management system 100 extracts, from the coupon issue target store information 119, information on the member store that is the coupon issue target in the above flow example 3 and the issue coupon information (s30).
  • the payment management system 100 refers to the member store score of the member store in the member store management information 116 and the non-cash area score of the non-cash area to which the member store belongs in the area scoring information 120, in advance,
  • the cashback amount obtained in s30 is adjusted according to the predetermined condition (s31).
  • the non-cash area where the member store is located is an area where the non-cash area score is higher than a predetermined standard (eg: 60), and the total settlement amount at the member store is based on the predetermined standard (eg: 1000 yen). If the value is low, the cashback amount (the amount obtained in s30) of the coupon for which the member store is issued is reduced based on a predetermined rule (eg, 10% reduction from the current value).
  • a predetermined standard eg: 60
  • the total settlement amount at the member store is based on the predetermined standard (eg: 1000 yen).
  • the cashback amount the amount obtained in s30
  • a predetermined rule eg, 10% reduction from the current value
  • the non-cash area where the member store is located is an area where the non-cash area score is lower than a predetermined standard (example: 30)
  • the cash back amount of the coupon for which the member store is issued obtained in s30
  • the amount of money that has been added is increased based on a predetermined rule (eg, 20% increase from the current value).
  • the intention to increase or decrease the cash back amount is to use non-cash payments in areas where non-cash payments have been used well and are sufficiently widespread, even if the incentive content such as cash back in issued coupons is not excessively increased. Consumers who expect payments are expected to arrive, but on the other hand, in areas where non-cash payments have rarely been used and have not penetrated sufficiently, incentives such as cash back in issued coupons are provided. It is based on the concept of making it sufficiently attractive and attractive and aiming to attract consumers who are oriented toward non-cash payments.
  • the payment management system 100 adjusts the cashback amount after s31 for the above-mentioned member store and its adjacent store based on the member store correlation coupon adjustment information 123 (s32).
  • the payment management system 100 refers to the MCC (member store type) of the member store, the MCC (member store type) and the member store score of the adjacent store in the member store management information 116, and Of these, the MCC sets of both member stores are collated with each record of the member store correlation coefficient information 122, and the correlation coefficient is acquired for the corresponding MCC set.
  • the payment management system 100 collates the member store score of the adjacent store and the above-described correlation coefficient information with each condition in the member store correlation coupon adjustment information 123, and a matching condition (eg, member store score of the adjacent store). Is 60 or more and the correlation coefficient is 0.6 or more), the cashback amount is adjusted by the content of the correction value (for example, the cashback amount is reduced by 2 yen).
  • the payment management system 100 collates the remaining time from the present time until a predetermined target date such as the end of the month or the end of the year with the remaining time coupon adjustment information 124, and according to the “correction value” in the condition where the remaining time corresponds. , Adjust the cash back amount in the coupon for the member store (s33).
  • the payment management system 100 refers to the payment balance coupon adjustment information 125 for the remaining payment balance (obtained in s21) at the relevant member store, and according to the "correction value" in the condition that the remaining payment balance is applicable.
  • the cash back amount in the coupon for the member store is adjusted (s34).
  • the payment management system 100 determines whether or not a coupon has been issued in excess of the expected issue amount (s35).
  • the payment management system 100 sets the “issued number” in the member store management information 116 to the “coupon issuance cumulative amount” obtained by multiplying the coupon issuance required number calculated in s21 by the coupon issue ticket size value. The value is multiplied by the value of the coupon issue ticket size, and the "cumulative amount of issued coupons up to now" is deducted to calculate the remaining issue amount of the coupon. Further, the payment management system 100 calculates the “coupon issuance limit amount” by multiplying the value of the “expected coupon value in payment unit” for the relevant coupon in the coupon issuance rule information 118 by the above-mentioned issued number of coupons.
  • the payment management system 100 compares the above-mentioned remaining issuance planned amount with the coupon issuance limit amount, and when the remaining expected issuance amount exceeds the coupon issuance limit amount (s35: the planned coupon issuance amount is When the profit is exceeded), the payment management system 100 reduces the value of the coupon issue ticket size of the coupon, for example, so that the above-mentioned excess is resolved (s36), and ends the process. This reduction can be calculated by dividing the total amount of coupons planned to be issued by subtracting the excess amount by the required number of coupons to be issued.
  • the payment management system 100 determines that the coupon has the corresponding amount (coupon issue ticket size). Is issued (s37), and the process ends.
  • the user terminal 400 executes the installation process of the application 401 and activates the application 401 (s40).
  • the user along with the installation process of the application 401, the user provides his/her identification information (eg, name, address, age, etc.) and the information of the credit card to be held, through the interface of the application 401 and the payment management system.
  • a registration operation for 100 is performed.
  • various information of the user is registered in the user information 117 of the payment management system 100 from the user terminal 400.
  • the user terminal 400 accepts a payment card selection instruction from the user via the interface of the activated application 401 (s41).
  • the application 401 of the user terminal 400 accesses the coupon issue rule information 118 of the payment management system 100, acquires the information of the corresponding coupon from the payment management system 100 in accordance with the above selection instruction, and displays this on the map screen. It is displayed at 1000 (see FIG. 19) (s42).
  • the application 401 identifies a coupon in which the payment card selected by the user is defined in the “affiliation card” column in the coupon issue rule information 118. Further, the app 401 uses the coupon issue target store information 119 to identify a member store whose current position indicated by the GPS unit 403 and the “address” are within a predetermined distance and which includes the coupon specified above in the “issue coupon” column. The information on the coupon and the member store is specified and displayed on the map screen 1000. That is, when a predetermined credit card is used for payment, the member store to which the coupon is issued is displayed on the map screen.
  • the map screen 1000 includes a pull-down menu 1001 that receives a payment card selection instruction from the user, a member store to which the coupon is issued and a list 1002 that displays the contents of the coupon, and a map display 1003. To be done.
  • the map display 1003 described above includes an icon 1004 indicating the current position of the user and an icon 1005 indicating the location of the member store.
  • the application 401 accepts the above-mentioned desired coupon designation by the user via the map screen 1000 and performs the coupon acquisition process (s43).
  • This acquisition process corresponds to the process of storing the information of the coupon in the storage unit of the user terminal 400.
  • the payment according to the type of business, the content of sales, the degree of penetration and affinity of the corresponding payment method in the area, the urgency of sales improvement, etc.
  • the means and distributing the information to the user it is possible to efficiently and accurately increase the settlement opportunity at the store and the settlement means. Further, even a user who uses the corresponding payment means at such a store can obtain incentives such as cashback.
  • the arithmetic unit as the transaction status by the payment means in the plurality of stores, at least one of the sum and the number of transactions by the payment means in each of the plurality of stores.
  • the value is calculated, the total value is collated with the standard relating to the usage level of the settlement means, the usage level relating to the plurality of stores is specified as the condition, and the predetermined rule is set according to the usage level.
  • the content of the incentive to be issued with respect to the stores included in the plurality of stores may be specified.
  • the arithmetic unit determines the content of the incentive to be issued for the stores included in the plurality of stores when the usage level exceeds a predetermined standard.
  • the content of the incentive to be issued for the stores included in the plurality of stores may be expanded more than a predetermined specified value when the usage level is reduced below a predetermined specified value and the usage level falls below a predetermined standard.
  • the usage level of the corresponding payment method in a plurality of stores is equal to or higher than the stipulated level, that is, when the corresponding payment method is originally frequently used in the corresponding area, even if a generous incentive is not presented. If you can expect to use the payment method at the store, or conversely, if the payment method is not used at all in the area, you cannot expect to use the payment method at the store unless you provide a generous incentive. It is possible to specify the content of the incentive that well reflects the situation such as. As a result, it is possible to more efficiently improve the usage status of the payment method at the store and activate the transaction at the store.
  • the computing device when specifying the content of the incentive, when the usage level of the plurality of stores exceeds a predetermined standard, among the stores included in the plurality of stores,
  • the content of the incentive issued with respect to a store whose transaction status by the settlement means exceeds a predetermined standard may be reduced from a predetermined prescribed value.
  • the usage level of the corresponding payment method in a plurality of stores is equal to or higher than the regulation level, that is, the corresponding payment method is originally often used in the corresponding area, and the payment method in the corresponding store is used.
  • the content of the incentive can be specified more accurately in consideration of the circumstances in which the use of the payment method at the store can be expected without showing a generous incentive. As a result, it is possible to more efficiently improve the usage status of the payment method at the store and activate the transaction at the store.
  • the arithmetic unit correlates based on a set of stores having a predetermined attribute in the transaction history and the contents of transactions performed within a predetermined time at each store forming the set. Analysis is performed to identify a correlation coefficient relating to an event in which a transaction is made by continuously visiting between the stores in a set of stores having a predetermined attribute, and the correlation coefficient relating to a set of the store and an adjacent store of the store.
  • the content of the incentive regarding the store may be reduced according to the size of the.
  • the arithmetic unit displays the content of the incentive regarding the store according to the height of the transaction status of the adjacent store and the magnitude of the correlation coefficient in the transaction history. It is also possible to reduce the size.
  • the corresponding payment method is originally often used at the other store in the above-mentioned group (the store that is the starting point of the "ladder" of the store as seen from the store subject to the incentive consideration), it will be rich. Even if the incentive is not presented, the content of the incentive can be specified in accordance with the flow of the "ladder” more accurately taking into consideration the situation in which the use of the corresponding payment method at the store can be expected. As a result, it is possible to more efficiently improve the usage status of the payment method at the store and activate the transaction at the store.
  • the computing device may expand the content of the incentive for the store according to the shortage of the remaining time from the present to the predetermined deadline.
  • the arithmetic unit determines the content of the incentive for the store according to the degree of difference between the transaction status of the payment means in the store and the target status of the transaction status. It may be enlarged.
  • the information processing system as the transaction status of the payment means in the plurality of stores, at least one of the amount and the number of times the payment means has been traded in each of the plurality of stores. The total value is calculated, the total value is collated with the standard regarding the usage level of the settlement means, the usage level regarding the plurality of stores is specified as the condition, and the predetermined rule is predetermined according to the usage level.
  • the information processing system specifies the content of the incentive
  • the usage level of the plurality of stores exceeds a predetermined standard, among the stores included in the plurality of stores.
  • the content of the incentive issued for a store whose transaction status by the settlement means exceeds a predetermined standard may be reduced below a predetermined prescribed value.
  • the information processing system is based on the group of stores having a predetermined attribute in the transaction history and the contents of transactions performed within each predetermined time at each store forming the group. Correlation analysis is performed to identify a correlation coefficient related to an event in which a transaction is made by continuously visiting between the stores in a set of stores having a predetermined attribute, and the correlation regarding the set of the store and an adjacent store of the store. The content of the incentive for the store may be reduced according to the size of the number.
  • the information processing system in the transaction history, the content of the incentive for the store according to the height of the transaction status of the adjacent store and the magnitude of the correlation coefficient. May be reduced.
  • the information processing system may expand the content of the incentive regarding the store according to the shortage of the remaining time from the present to a predetermined deadline.
  • the information processing system determines the content of the incentive for the store in accordance with the degree of deviation between the transaction status of the payment means in the store and the target status of the transaction status. May be expanded.

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  • Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Development Economics (AREA)
  • Finance (AREA)
  • Economics (AREA)
  • Game Theory and Decision Science (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Marketing (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
  • Cash Registers Or Receiving Machines (AREA)

Abstract

La présente invention ‌a‌ ‌pour‌ ‌objet‌ d'améliorer efficacement l'état d'utilisation d'un moyen de paiement d'un détaillant, et de stimuler des transactions au niveau du détaillant. À cet effet, l'invention porte sur un système de gestion de paiement 100 qui comprend : un dispositif de mémorisation 101 qui conserve un historique de transactions conclues par l'intermédiaire d'un moyen de paiement prescrit au niveau de chacun d'une pluralité de détaillants ; et un dispositif informatique 104 qui, lorsque l'état de transactions, qui sont indiquées par l'historique de transaction et ont été conclues à l'aide des moyens de paiement au niveau de chacun de la pluralité de détaillants, satisfont à des conditions prescrites, identifie les détails d'une incitation émise pour un détaillant inclus dans la pluralité de détaillants, ladite identification étant effectuée à l'aide d'une règle prescrite qui correspond auxdites conditions.
PCT/JP2018/046132 2018-12-14 2018-12-14 Système de gestion de paiement et procédé de gestion de paiement WO2020121521A1 (fr)

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JP2019555049A JP6814308B2 (ja) 2018-12-14 2018-12-14 決済管理システムおよび決済管理方法
PCT/JP2018/046132 WO2020121521A1 (fr) 2018-12-14 2018-12-14 Système de gestion de paiement et procédé de gestion de paiement

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JP2023054700A (ja) * 2021-10-04 2023-04-14 ＰａｙＰａｙ株式会社 情報処理装置、情報処理方法、およびプログラム
JP7431269B2 (ja) 2022-03-07 2024-02-14 ＰａｙＰａｙ株式会社 情報提供装置、情報提供方法、およびプログラム
WO2024077804A1 (fr) * 2022-10-12 2024-04-18 排排兑数字科技(上海)有限公司 Procédé et système de retour d'espèces pour une mise en file d'attente selon une séquence de consommation

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JP7343559B2 (ja) 2021-10-04 2023-09-12 ＰａｙＰａｙ株式会社 情報処理装置、情報処理方法、およびプログラム
JP7431269B2 (ja) 2022-03-07 2024-02-14 ＰａｙＰａｙ株式会社 情報提供装置、情報提供方法、およびプログラム
WO2024077804A1 (fr) * 2022-10-12 2024-04-18 排排兑数字科技(上海)有限公司 Procédé et système de retour d'espèces pour une mise en file d'attente selon une séquence de consommation

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