WO2023210031A1 - Information processing device, information processing method, and program - Google Patents

Abstract

The present invention provides services that contribute to the success of business with a prescribed theme and the improvement of the social environment based on the prescribed theme.　A credit card linkage application 71 installed on a user terminal 2 is an application program having a payment function for payment using a credit card C provided by a credit card company CR. Upon receiving a user U's usage operation, the credit card linkage application 71 presents, to the user U, a coupon provided by a store opening/sponsoring company K. When the credit card linkage application 71 receives the user U's purchase operation for merchandise or the like eligible for the coupon provided by the store opening/sponsoring company K, the application 71 performs a process relating to use of the coupon on the condition that the payment function for the credit card C be used.

Description

Information processing device, information processing method, and program

The present invention relates to an information processing device, an information processing method, and a program.

Conventionally, there is a technology related to payment using a credit card (for example, see Patent Document 1). Furthermore, there are credit cards that are issued with predetermined themes that are specialized for the use or support of predetermined organizations, such as airlines, retail stores, sports teams, and the like.

Japanese Patent Application Publication No. 2002-366868

However, the situation has not been sufficient to meet the demand for further expansion of support for such predetermined themes.

The present invention has been made in view of this situation, and aims to support the success of businesses with a predetermined theme and the provision of services that contribute to the improvement of the social environment based on the predetermined theme.

To achieve the above object, an information processing device according to one embodiment of the present invention includes:
In an information processing device managed by a member user of a medium with a predetermined payment function,
In the application program provided to the member and having the payment function in the medium, when the first operation by the user is accepted, the payment function provided by a third party can be used. a value presentation means for presenting value to the user;
In the application program, when a second operation by the user is accepted, a coupon usage means executes processing related to the use of the value on the condition that the payment function of the medium is used;
Equipped with
An information processing method and a program according to one embodiment of the present invention are respectively a method and a program corresponding to an information processing apparatus according to one embodiment of the present invention.

According to the present invention, it is possible to support the provision of services that contribute to the success of businesses with a predetermined theme and the improvement of the social environment based on the predetermined theme.

1 is a diagram illustrating an example of a service (hereinafter referred to as "this service") to which an information processing system including a server according to an embodiment of an information processing apparatus of the present invention is applied. FIG. 2 is a diagram illustrating an example of the operation of a credit card collaboration application installed on a user terminal in the service shown in FIG. 1. FIG. 1 is a diagram illustrating an example of the configuration of an information processing system to which a server according to an embodiment of an information processing apparatus of the present invention is applied. 4 is a block diagram showing an example of the hardware configuration of a user terminal according to an embodiment of the information processing apparatus of the present invention in the information processing system of FIG. 3. FIG. 5 is a block diagram illustrating an example of the functional configuration of a user terminal and a server having the hardware configuration of FIG. 4. FIG. 6 is a flowchart illustrating an example of a process when a user uses a coupon to purchase a predetermined product as the process of the user terminal in FIGS. 4 and 5. FIG.

Embodiments of the present invention will be described below with reference to the drawings.
FIG. 1 is a diagram illustrating an example of a service (hereinafter referred to as "this service") to which an information processing system including a server according to an embodiment of the information processing apparatus of the present invention is applied.

Based on the theme of supporting mothers, this service recruits multiple mothers as members, provides each member with a members-only card that has a payment function (in this case, a credit card payment function), and Cooperative application software (hereinafter simply referred to as "app") is also provided to the member.
This service offers unique products, content, and services (hereinafter referred to as ``products, etc.'') that are close to mothers in order to attract many mothers as members.
In addition, with this service, a portion of the profits are donated to society.

This service is ``Mum's main application card with belly button'' and the idea of ``getting things done on time'', in other words, ``easy to use for families with children, and a surprising amount of mom's belly button''. provided.
Additionally, this service has two pillars as shown below. One is to raise the reputation of mothers in society, and the other is to play a role as a PBC (Public Benefit Company) that contributes to solving social issues without being bound by short-term profits. .
In order to raise the reputation of mothers in society, this service has a system to thank mothers for their daily efforts and a system to create a mother-friendly environment.
Furthermore, in terms of PBC, this service supports activities that contribute to fundamental solutions to social issues related to mothers and families, such as poverty among single mothers and child abuse.

Note that for the provider SA of this service (hereinafter referred to as "service provider SA"), Mama U, who has become a member, is a user. Therefore, hereinafter, Mama U who has become a member will be referred to as "User U".

In this business, as shown in Figure 1, service provider SA provides a member-only credit card C that can be used for payment at credit card company CR to user U who has registered as a member, under the name, for example, Mom Support Card. provide.

Credit card company CR pays card issuance fees, shopping kickbacks, sponsorship money, etc. to service provider SA.

Service provider SA provides user U with an application 71 linked with credit card C (hereinafter referred to as "credit card linkage application 71") as part of an additional service exclusively for members. That is, the credit card cooperation application 71 is installed on a mobile terminal held by the user U (for example, the user terminal 2 in FIG. 3, which will be described later).
Here, "cooperation" means that when the user U purchases a product or uses a service in the credit card cooperation application 71, the payment is made using the credit card C.

Here, for the service provider SA, the unique products and the like that are purchased and used by the user U in the credit card cooperation application 71 are provided by the store/sponsor company K.
For this reason, the service provider SA recruits companies that can provide one or more products as store opening/sponsor companies K.
Service provider SA provides analysis data regarding user U to store opening/sponsoring company K, and store opening/sponsoring company K receives EC fees, coupon posting fees, Prica sales fees, app advertising fees, etc. collect.
In this way, the credit card cooperation application 71 can provide unique products and the like to the user U. Furthermore, the credit card cooperation application 71 can provide additional services to the user U, such as Hesokuri points, coupons, experiences, donations, information, and prepaid cards (hereinafter sometimes referred to as "Preca"). .

Here, the hesokuri point is as follows.
That is, when the user U pays for purchasing or using products etc. using the credit card C in the credit card cooperation application 71, the credit company CR will reward the user with points corresponding to the amount used, as in the past. (Credit points) will be awarded. In addition to the credit points, the service provider SA also provides another type of points to the user U in this service. A different type of points given by this service provider SA is called Hesokuri points here.

In addition, the service provider SA will provide a portion of the profits earned through this service to organizations P such as affiliated organizations that support users U and their families, universities and research institutions that contribute to solving problems. By making a donation, you will indirectly support user U and his family.
Further, when the user U uses the credit card cooperation application 71 and purchases or uses merchandise provided by the store opening/sponsoring company K, profits can be earned from this service. A portion of this profit is donated to organization P. At this time, information indicating that store opening/sponsoring company K, which provides the merchandise, etc., supports a predetermined theme (in this case, supporting mothers) is also provided to organization P. This makes it possible to connect the organization P that desires a donation with the store opening/sponsor company K.

According to this service, by adopting such a mechanism, user U (mom) who owns credit card C can pay for products etc. with credit card C in the provided credit card cooperation application 71. I can do it.
Here, the details will be described later with reference to FIG. 2, but for the service provider SA, the third-party store opening/sponsor company K can receive coupons etc. that can be used for products etc. provided by the service provider SA at a desired time. It can be freely issued and promoted to User U and his family. That is, the credit card cooperation application 71 may be provided with a coupon or the like that can be used as at least part of the price for the merchandise from the store opening/sponsoring company K that provides the merchandise. In this case, the user U can use the coupon etc. when paying for merchandise etc. with the credit card C in the credit card cooperation application 71. In other words, in the credit card collaboration application 71, coupons and the like can also be paid with the credit card C.
Furthermore, since user U is given not only credit points but also Hesokuri points, he or she can accumulate and use points more efficiently than with a normal credit card.
By providing this service, the service provider SA can expect an increase in the number of store openings/sponsor companies K and users U (the number of mom members), and in turn can expand its business.

Next, details of the credit card cooperation application 71 will be explained with reference to FIG. 2.
FIG. 2 is a diagram illustrating an example of the operation of a credit card cooperation application installed on a user terminal in the present service of FIG. 1.
The credit card cooperation application 71 is installed on a terminal 2 (hereinafter referred to as "user terminal 2") managed by a user U (a mother who is a parent with a child) who is a member of a credit card C.
When the credit card cooperation application 71 is activated on the user terminal 2, a screen 72 is displayed on the display section of the user terminal 2. The screen 72 is a UI (User Interface) screen for accepting operations for performing various functions of the credit card cooperation application 71 and for displaying various information. Therefore, the screen 72 will be referred to as the "application screen 72" hereinafter.

The credit card cooperation application 71 cooperates with a credit card C having a card payment function, and when it receives a usage operation (such as an operation to start an application by tapping an application icon) by a user U who has a credit card C, the credit card cooperation application 71 opens a store. A coupon provided by supporting company K is presented to user U. Note that the coupon can be used, for example, as part of the price of merchandise or as a discount ticket (the payment function can be used).
Then, when the credit card cooperation application 71 receives a predetermined operation by the user U to make a payment for the purchase or use of products, etc., the credit card cooperation application 71 issues a coupon on the condition that the payment function of the credit card C is used. Executes processing related to the use of. Here, processing related to the use of coupons means, for example, recognizing the amount of the coupon (or the discount amount if the coupon has a discount rate) and deducting it from the price of the product, or using it as Hesokuri Points (described later). There are processes for giving coupons, processes for invalidating coupons after use, etc.

Specifically, as shown in FIG. 2, the credit card cooperation application 71 has a coupon presentation function 81, a coupon usage function 82, a payment control function 83, a group purchase function 84, a content presentation function 85, and an evaluation function. It has a reception function 86 and a usage record acquisition function 87.

In the case of the credit card cooperation application 71, when the user U performs a predetermined operation such as a tap operation on the app icon, the coupon presentation function 81 displays the coupon 91 provided by the store opening/sponsoring company K on the application screen 72. As a result, the coupon 91 is presented to the user U.

If the user U wishes to use the coupon 91 when purchasing or using merchandise provided by the store/sponsoring company K and paying for the purchase, the user U performs a prescribed usage operation. .
When the coupon usage function 82 receives the usage operation, the coupon usage function 82 performs processing related to the usage of the coupon 91, for example, recognizes that the amount of the coupon 91 is 10% OFF, on the condition that the payment function of the credit card C is used. The coupon 91 is notified to the payment control function 83, and after the payment under the control of the payment control function 83 is completed, a process of invalidating the coupon 91 is executed.

As a result, store opening/sponsoring company K can use the credit card cooperation application 71 to freely send desired coupons ( Coupons 91 etc.) can be issued and promotions can be carried out. For example, store opening/sponsor company K, which is a player who wants to "distribute special benefits to moms," can use coupons to provide special benefits in a pinpoint manner. Specifically, for example, it becomes possible to issue a coupon (issuance of a benefit that is different from a fixed benefit) during a period when idling is easy.
As a result, it is expected that the number of store openings and supporting companies K will increase, and the number of members (the number of mom users U) will increase accordingly, and the unit payment price per member will also increase. In this way, this service related to the theme of supporting mothers will be successful, and we can also hope to improve the social environment based on this theme.
In other words, this service can be provided as a service that contributes to the success of businesses with the theme of supporting mothers and to improving the social environment based on the theme of supporting mothers.

The payment control function 83 executes the control of the payment process using the credit card C, and also executes the process of giving Hesokuri points as needed, and displays an image 92 (hereinafter referred to as "Hesokuri point giving image 92") showing the given Hesokuri points. ) is displayed on the application screen 72.

Here, the user U uses the coupon 91 etc. to pay for the product at a second price (for example, the coupon 91 When paying with 10% off (9,000 yen), you can select the desired payment form from among a plurality of forms, including the first form and second form as shown below.
In the first form, payment is made at the first price (for example, credit card payment for 10,000 yen), and hesokuri points (for example, 1 yen = 1 point) correspond to the difference between the first price and the second price (for example, 1,000 yen). In this case, 1000 points) are given to user U.
The second form is a form in which payment is made at the second price (credit card payment at 9,000 yen with 10% off).
In this case, the user U can perform, as a payment designation operation, an operation in the credit card cooperation application 71 to designate any one of a plurality of payment methods including the first payment method and the second payment method. Note that among the plurality of forms, a form in which a part of the difference amount is converted into points may be adopted.
The payment control function 83 executes control of payment processing using the credit card C in the form specified by the payment specification operation.
As a result, for example, if the debit account for credit card C is someone other than user U (for example, a father), hesokuri points, which are advantageous for user U (mom), will be added, so the number of members (the number of users U) will increase. As the number of payments increases further, the payment unit price of credit card C per user also improves.

Further, the user U can perform a joint purchase operation on the application screen 72 as an operation for jointly purchasing a predetermined product or service, such as a prepaid card, with one or more other users. When the group purchase function 84 receives the group purchase operation, it executes control for making the group purchase. For example, the group purchase function 84 causes the app screen 72 to display an image 93 that says, "Prepaid group purchase, currently 998 people, 1000 yen, 950 yen for 2 more people."
In this way, user U can make joint purchases with other users. As a result, for the user U, it becomes more profitable to use the credit card cooperation application 71 (that is, to own the credit card C), and the service provider SA sells products or services such as prepaid cards in large quantities. It becomes possible to do so. That is, a win-win relationship is established between the user U and the service provider SA.
Note that, of course, by using the credit card cooperation application 71, the user U can purchase a prepaid card without relying on joint purchases.

The content presentation function 85 provides content related to the service provider SA or the store opening/sponsoring company K, whose content corresponds to the user information regarding the user U including the attributes and behavior history of the user U (for example, the store opening/sponsoring company K direct mail) is presented to user U.
Specifically, for example, a direct mail with content such as a new launch of cosmetics may be sent from store opening/sponsoring company K depending on user U's search history for cosmetics. The image 94 shown is displayed on the application screen 72 to be presented to the user U.
In this way, the service provider SA or the store opening/sponsoring company K can deliver appropriate content such as direct mail to the user U according to the user U's attributes and behavior history.

When the user U uses the credit card cooperation application 71 to purchase or use a predetermined product, etc., the evaluation reception function 86 is configured to evaluate at least one of the predetermined product, etc. or the store opening/sponsoring company K that is the provider thereof. User U's evaluation of the item is accepted.
For example, after the user U purchases the A product, the evaluation reception function 86 causes the evaluation area 95 to be displayed on the application screen 72, and accepts the user U's evaluation of the A product (eg, 3 stars for the A product).
This makes it possible to create an evaluation site unique to users U (in this example, mothers who became members under the theme of supporting mothers), which is different from previous evaluation sites such as Tabelog (registered trademark), which are gathered around a predetermined theme. . Further, in accordance with such evaluation, it is possible to improve the social environment based on a predetermined theme. For example, if restaurants that offer seating for infants receive higher ratings, more such restaurants will emerge around the world.

Further, the usage history acquisition function 87 acquires the usage history of the credit card cooperation application 71 of the user U. For example, the usage history acquisition function 87 acquires the usage history when the user U uses the credit card cooperation application 71 to purchase, use, search for, or view a product or the like.
As a result, you can change the coupon depending on your usage history (for example, issue a coupon with a higher discount rate if you have a high usage history) or change your membership rank (if you have a high usage history, you can raise your membership rank, or vice versa) If the track record is low, membership rights can be forfeited).

In this way, the credit card cooperation application 71 installed on the user terminal 2 can present coupons, make payments for purchases of products eligible for coupons, award points such as Hesokuri points, joint purchases, present contents according to user U, and sell materials. User U is provided with various functions such as the presentation of benefits (improvement in membership rank, etc.) according to evaluation and purchase history. You can support from

FIG. 3 is a diagram illustrating an example of the configuration of an information processing system to which a server according to an embodiment of the information processing apparatus of the present invention is applied.
As shown in FIG. 3, the information processing system of the embodiment includes a server 1, user terminals 2-a to 2-n, supporting company terminals 3-a to 3-m, a card company terminal 4, and an organization terminal. 5.
The server 1, user terminals 2-a to 2-n, supporting company terminals 3-a to 3-m, card company terminal 4, and organization terminal 5 are connected to be able to communicate with each other via a predetermined network NW such as the Internet. has been done.

The server 1 is an information processing device, such as a server computer, managed by a service provider SA. The server 1 executes various processes while controlling each operation of the user terminals 2-a to 2-n on which the credit card cooperation application 71 is installed.

The user terminals 2-a to 2-n are information processing devices managed by the user U, such as a personal computer, a tablet, or a smartphone.

The supporting company terminals 3-a to 3-m are information processing devices managed by a store opening/supporting company K (a third party to the service provider SA) that participates in the business in response to a call from the service provider SA, for example. It is.

The card company terminal 4 is an information processing device managed by the credit card company CR, and performs payment processing using the credit card C.
The organization terminal 5 is an information processing device managed by an organization P that supports mothers and families, and receives donations transmitted from the server 1 or information related thereto.

Note that if there is no need to distinguish each of the user terminals 2-1 to 2-n individually, they will be collectively referred to as "user terminals 2." Further, if there is no need to distinguish each of the sponsoring company terminals 3-1 to 3-m individually, they are collectively referred to as the "sponsoring company terminal 3."

FIG. 4 is a block diagram showing an example of the hardware configuration of a user terminal according to an embodiment of the information processing apparatus of the present invention in the information processing system shown in FIG.
As shown in FIG. 4, the user terminal 2 includes a CPU (Central Processing Unit) 21, a ROM (Read Only Memory) 22, a RAM (Random Access Memory) 23, a bus 24, an input/output interface 25, and an input/output interface 25. It includes a section 26, an output section 27, a storage section 28, a communication section 29, and a drive 30.

The CPU 21 executes various processes according to programs recorded in the ROM 22 or programs loaded into the RAM 23 from the storage unit 28 .
The RAM 23 also appropriately stores data necessary for the CPU 21 to execute various processes.

The CPU 21, ROM 22, and RAM 23 are interconnected via a bus 24. An input/output interface 25 is also connected to this bus 24 . An input section 26 , an output section 27 , a storage section 28 , a communication section 29 , and a drive 30 are connected to the input/output interface 25 .

The input unit 26 includes, for example, a keyboard, and inputs various information.
The output unit 27 includes a display such as a liquid crystal display, a speaker, and the like, and outputs various information as images and sounds.
The storage unit 28 is composed of a DRAM (Dynamic Random Access Memory) or the like, and stores various data.
The communication unit 29 communicates with other devices (for example, the server 1, the supporting company terminals 3-a to 3-m, etc.) via the network NW including the Internet.

A removable medium 30a such as a magnetic disk, an optical disk, a magneto-optical disk, or a semiconductor memory is appropriately installed in the drive 30. The program read from the removable medium 30a by the drive 30 is installed in the storage unit 28 as necessary.
Furthermore, the removable medium 30a can also store various data stored in the storage section 28, in the same way as the storage section 28.

Although not shown, the server 1, sponsoring company terminal 3, card company terminal 4, and organization terminal 5 in FIG. 3 can also have basically the same hardware configuration as the hardware configuration shown in FIG. 4. For example, the server 1 includes, as hardware, a CPU 11, a storage section 18, a communication section 19, and the like. Therefore, a description of the hardware configurations of the user terminal 2, the sponsoring company terminal 3, the card company terminal 4, and the organization terminal 5 will be omitted.

Various types of processing can be executed through cooperation between various types of hardware and various types of software in the user terminal 2 in FIG. 4, and various types of hardware in the server 1.

FIG. 5 is a block diagram illustrating an example of the functional configuration of a user terminal and a server having the hardware configuration of FIG. 4.
As shown in FIG. 5, a database 31 (hereinafter referred to as "DB31") is stored in the storage unit 18 of the server 1.

DB31 contains member information (member ID, password, name, age, address, contact information, and other attributes), coupons (coupon name, discount rate, discount amount, coupon application conditions, etc.), and information associated with the coupon. Information on products or services eligible for coupons (product name, price, product image, etc.), payment information (payment information for purchased products (price, credit card information, purchase date and time, etc.), points awarded, etc.), points (membership information, etc.) Members' app usage history, action history, evaluation information on members' companies and products, information on direct mail (members to be sent, contents of direct mail, etc.), information on PBC (name of target organization) , a list of their contacts, etc.) are stored.
In addition, the DB 31 stores information received through communication with the user terminal 2, the sponsor company terminal 3, the card company terminal 4, the organization terminal 5, and the like.

Further, in the CPU 11 of the server 1, an application control section 51, an AC control section 52, and a PBC control section 53 function.

The application control unit 51 controls the credit card cooperation application 71 installed in the user terminal 2, so that the mother support process by the credit card cooperation application 71 is executed in the user terminal 2. Note that the mother support process will be described later.
The application control unit 51 includes a coupon presentation control unit 61, a coupon usage control unit 62, a payment processing control unit 63, a group purchase control unit 64, a content presentation control unit 65, an evaluation reception control unit 66, a usage record acquisition control unit 67, etc. Be prepared.

The coupon presentation control section 61 controls the coupon presentation section 41 of the user terminal 2 to present the coupon to the user U.
For example, when the coupon presentation control unit 61 is notified from the user terminal 2 that a usage operation by the user U who has the credit card C has been accepted, the coupon presentation control unit 61 may transmit the coupon provided by the store opening/sponsoring company K to the user terminal 2. Then, the coupon presenting unit 41 executes control for presenting the coupon to the user U.
Specifically, for example, the coupon presentation control unit 61 searches the DB 31 using the ID of the user U (hereinafter referred to as "user ID") as a key, and searches the user attributes, application usage history, purchase history, etc. included in the member information. By reading the coupon related to the user terminal 2 and transmitting it to the user terminal 2, the coupon presentation unit 41 of the user terminal 2 displays the coupon on the application screen 72 (see FIG. 2) of the user terminal 2. have it presented.

The coupon usage control unit 62 controls the coupon usage unit 42 of the user terminal 2 and causes the coupon usage unit 42 to execute processing related to coupon usage.
For example, when the coupon usage unit 42 of the user terminal 2 notifies that a predetermined coupon will be used for a predetermined product, etc., the coupon usage control unit 62 controls the coupon usage for the predetermined product, etc. Notify the coupon usage unit 42 whether the coupon can be used or not, and if the coupon can be used, notify the coupon usage unit 42 of the amount of the coupon, and after the payment for the specified product etc. is completed. The specified coupon is invalidated (discarded).

The payment processing control unit 63 controls the payment control unit 43 of the user terminal 2 to execute payment processing using the credit card C for a predetermined product of the user U.
Specifically, for example, when the payment processing control unit 63 receives an instruction to make payment for a predetermined product, etc. from the payment control unit 43, the payment processing control unit 63 searches the DB 31 using the user ID as a key, and retrieves the credit card C included in the member information. information (credit card number, user U information, etc.), notifies the card company terminal 4 of the payment amount for the specified product, etc., and informs the card company terminal 4 that the payment for the predetermined product, etc. has been completed. If it has been sent, the payment control unit 43 is notified of this fact.
Furthermore, when using a coupon or the like to pay for merchandise at a second price that is cheaper than the first price set by store opening/sponsoring company K, the payment processing control unit 63 The payment control unit 43 is made to accept a payment designation operation that selects the form of payment.
For example, if the first form in which payment is made at the first price and the difference from the second price is given as Hesokuri Points is selected by the payment designation operation, the payment processing control unit 63 sets the payment amount to the credit card company using the first price. In addition to notifying the terminal 4, the difference between the first price and the second price is given as Hesokuri points and stored in the DB 31 (overwriting the total Hesokuri points), and the payment control unit 43 is notified of this.

The group purchase control unit 64 controls the group purchase unit 44 of the user terminal 2 to allow user U to jointly purchase goods or services (services) to be purchased jointly with one or more other users (other members). Execute the process to do so.
Specifically, for example, when the group purchase control unit 64 receives a group purchase operation by a user U such as a mother, the group purchase control unit 64 reads information on products or services to be jointly purchased (purchase status of other users, etc.) from the DB 31, and The joint purchase unit 44 is caused to execute a process of jointly purchasing with other users based on the information on the purchased product or service.

The content presentation control unit 65 controls the content presentation unit 45 of the user terminal 2 to execute a process of presenting the content to the user U according to the user information regarding the user U.
Specifically, for example, the content presentation control unit 65 searches the DB 31 using the user ID as a key, and reads out user information regarding the user U, such as a mother. The content presentation control unit 65 sends content related to the service provider SA or store opening/sponsoring company K that corresponds to the user information, for example, direct mail (DM) from store opening/sponsoring company K to the sponsoring company terminal 3. The information is acquired from the user terminal 2, transmitted to the user terminal 2, and displayed on the user terminal 2 by the content presentation unit 45 to be presented to the user U such as a mother.

The evaluation reception control unit 66 controls the evaluation reception unit 46 of the user terminal 2 to accept the user U's evaluation of the product purchased by the user U or its provider, and stores the evaluation in the DB 31.

The usage record acquisition control unit 67 controls the usage record acquisition unit 47 of the user terminal 2 to execute a process to acquire the usage record of the credit card cooperation application 71 by the user U, and stores the usage record in the DB 31.

The functions of the AC control section 52 and the PBC control section 53 will be described later.

In the CPU 21 of the user terminal 2, when the credit card cooperation application 71 is started, the coupon presentation section 41, the coupon usage section 42, the payment control section 43, the group purchase section 44, the content presentation section 45, the evaluation reception section 46, and The usage record acquisition unit 47 functions. That is, the coupon presentation section 41 to usage record acquisition section 47 are functions executed as the credit card cooperation application 71.

When the coupon presentation unit 41 receives a usage operation by the user U who has the credit card C, the coupon presentation unit 41 displays the coupon provided from the supporting company terminal 3 via the server 1 (coupon presentation control unit 61), thereby providing the user U with a coupon. to be presented.

Under the control of the coupon usage control unit 62, the coupon usage unit 42, when accepting a coupon usage operation by the user U, allows the usage of the coupon as described above on the condition that the payment function of the credit card C is used. Execute related processing.

The payment control unit 43, under the control of the payment processing control unit 63, executes control of the payment process using the credit card C, and also executes the process of giving Hesokuri points as necessary.

Here, as mentioned above, by using a coupon or the like, the user U can pay a second price cheaper than the first price set by the store opening/sponsoring company K as the price (payment amount) for the merchandise, etc. When making a payment, a desired payment method can be selected from among a plurality of payment methods, including the following first and second payment methods.
The first form is a form in which payment is made at a first price (the payment amount is the first price), and Hesokuri points corresponding to the difference between the first price and the second price are given to the user U.
The second form is a form in which payment is made at a second price (the payment amount is the second price).
In this case, the user U can perform an operation for specifying any one of a plurality of payment methods including the first payment method and the second payment method as a payment designation operation.

The payment control unit 43 executes control of payment processing using the credit card C in the form specified by the payment specification operation.

Under the control of the group purchase control section 64, the group purchase section 44 executes a process of jointly purchasing a predetermined product, etc. with one or more other users when receiving a group purchase operation by the user U. .

Under the control of the content presentation control unit 65, the content presentation unit 45 provides content related to the service provider SA or the store/sponsor company K in response to user information regarding the user U, including attributes and behavior history of the user U. The user U is presented with the content by playing the content.

Under the control of the evaluation reception control section 66, when the user U uses the payment function of the credit card C to purchase or use a predetermined product, the evaluation reception section 46, for example, sends information to the store opening/sponsor company K. When purchasing a product or service provided by a provider such as the following, user U's evaluation of at least one of the provider of the product (e.g. store opening/sponsor company K) and the product is accepted.

The usage history acquisition unit 47 acquires the usage history of the credit card cooperation application 71 by the user U under the control of the usage history acquisition control unit 67.

Hereinafter, the AC control unit 52 and PBC control unit 53 of the server 1 will be explained in order.

The interaction control unit 52 executes processing to support interaction between any two or more of the users U, the store opening/sponsoring companies K, and the organizations P who use the credit card cooperation application 71. .
For example, the exchange control unit 52 performs control to mediate between a specific core user among the plurality of users U and a specific company (manufacturer, etc.) among the plurality of store opening/sponsoring companies K. The exchange control unit 52 manages a plan (for example, a monthly subscription plan) in which "special products, etc." are delivered regularly by directly connecting a specific core user and a special company.
In addition, the exchange control unit 52 has a professional marketer come up with a plan for special products, etc. (products and services), and performs processing for the store opening/sponsor company K to realize the plan, for example, by working with a professional marketer to open a store.・Execute processing to function as a communication tool with supporting company K.

Specifically, for example, the exchange control unit 52 can execute product co-creation processing using the credit card cooperation application 71. Product co-creation processing refers to the following series of processing.
That is, user U, who is a member of credit card C, operates user terminal 2 to input his own attribute information from credit card cooperation application 71. The AC control unit 52 registers the attribute information of the user U in the DB 31.
The store opening/sponsoring company K operates the supporting company terminal 3 to solicit participation in product planning from the user U who is a member through the credit card cooperation application 71. That is, the exchange control unit 52 executes a process of posting information to the effect that participation in the product project is solicited on the credit card cooperation application 71. For example, the exchange control unit 52 makes an announcement on the my page of the user U's credit card cooperation application 71 that the user U wants the user to cooperate with product planning.
The exchange control unit 52 selects a user U suitable for product planning from among the users U who have applied based on attribute information and browsing/purchase history, and invites the user U to participate in the product planning. That is, the exchange control unit 52 posts information to the effect that the user is invited to product planning on the credit card cooperation application 71 of the user U. Note that the invitee may be the service provider SA, but may also be the store opening/sponsor company K that has applied to participate in the product planning. In the latter case, store opening/sponsor company K operates the sponsor company terminal 3 to notify the server 1 of a request to select, for example, members who have viewed such content or taken such actions in the past. Then, the AC control unit 52 selects the user U taking this request into consideration.
User U, who has received an invitation from store opening/sponsoring company K, operates the user terminal 2 and participates in product planning after agreeing to a confidentiality agreement etc. in the credit card cooperation application 71.
The exchange control unit 52 enables communication between the user U (user terminal 2) who has received consent to participate in product planning and the store opening/sponsoring company K (sponsoring company terminal 3), such as exchange regarding product planning. control.
Here, it is assumed that the credit card cooperation application 71 is equipped with a chat function. User U can use this chat function to exchange product evaluations and comments through live chat, questionnaires, and catalogues, in addition to chatting.
As the product planning progresses, the store opening/sponsoring company K expands the product planning to users U selected by the store opening/sponsoring company K, in addition to the users U who participated in the product planning. That is, the exchange control unit 52 executes control for monitor sales of prototype products and sales of free samples in the credit card cooperation application 71 of the user terminal 2 of the selected user U.

Further, for example, the exchange control unit 52 can execute suggestion processing using the credit card cooperation application 71. Suggestive processing refers to the following series of processing.
When executing the suggestion process, a user U (hereinafter referred to as the "purchaser") who has purchased a prototype or sample product of the planned product uses a user interface (hereinafter referred to as "purchaser") for inputting feedback and free comments regarding the planned product. , referred to as "UI") is installed in the credit card cooperation application 71.
The exchange control unit 52 acquires evaluation information such as purchaser feedback and free comments input into the UI and stores it in the DB 31, and analyzes the evaluation information using AI to determine what the purchaser wants from the planned product. A suggestion or a suggestion of information useful for the product is provided to the sponsoring company terminal 3 of the store opening/sponsoring company K.
When a free comment is received from a purchaser that, for example, the desire to purchase increases when a product or service is provided in such a place, the exchange control unit 52 sends a suggestion about the situation of product provision to the relevant store/sponsor company K. provided to the supporting company terminal 3. In addition, the exchange control unit 52 provides the sponsoring company terminal 3 of the store opening/sponsoring company K with a suggestion, such as that it can be realized as a "subscription" by offering the product at a percentage discount compared to the current price. .
The store opening/sponsoring company K can view raw data of evaluation information such as feedback and free comments.
The store opening/sponsoring company K can sell special products to participants in the new product project and earn loyalty. Further, the store opening/sponsoring company K can also sell special products as a subscription according to the suggestion.

Further, for example, the exchange control unit 52 can execute community processing using the credit card cooperation application 71. Community processing refers to the following series of processing.
The exchange control unit 52 provides a place for a plurality of users U to exchange evaluations and experiences on various themes in the credit card cooperation application 71.

Further, for example, the exchange control unit 52 can execute collaboration processing using the credit card cooperation application 71. Collaboration processing refers to the following series of processing.
In the credit card cooperation application 71, since it is assumed that a plurality of store openings/sponsoring companies K will open a store, the interaction control unit 52 provides an environment where a plurality of store openings/sponsoring companies K can collaborate with each other, that is, a store opening company community. do.
In this case, the exchange control unit 52 causes a predetermined store opening/sponsor company K to apply concepts, plans, etc. to the store opening company community. Applications in this store community may be made by, for example, posting from one company to another company, or by direct approach from one company to another through an invitation.
The invited store opening company operates the sponsoring company terminal 3 under the control of the exchange control unit 52, agrees to a confidentiality agreement, etc., and participates in the concept/plan.
Then, the AC control unit 52 generates a project team.
For example, the exchange control unit 52 can create a project team or the like in which a restaurant company and a food material company collaborate to develop a child-friendly menu that can be eaten together with children.
Under the control of the exchange control unit 52, the community closed to the project team creates a plan, announces the plan (planned products, events, services, etc.) to the member user U in the credit card cooperation application 71, and updates the project. You can sell products, etc. Furthermore, it is also possible to sell to targeted member users U.
User U, who is a purchaser who purchased a planned product sold within the credit card cooperation application 71, inputs feedback and free comments to the UI in the same way as the suggestion function.
The exchange control unit 52 uses AI to analyze the feedback and free comments inputted to the UI by the user U who is the purchaser, and provides the project team with suggestions derived from the feedback and free comments.
In addition to providing suggestions, the project team can learn what kind of information was the source of the suggestions by viewing raw data such as buyer feedback and free comments.

The AC control unit 52 of the server 1 has been described above. Next, the PBC control unit 53 of the server 1 will be explained.

The PBC control unit 53 executes various types of processing that support realizing PBC through the use of the credit card cooperation application 71.

For example, the PBC control unit 53 can execute the following series of processes. Note that in this series of processes, the PBC control unit 53 utilizes AI.
That is, the PBC control unit 53 inputs information such as social media and article media to AI. Thereby, the AI extracts (outputs) issues with high importance and severity related to the mother user U and her family.
Among the issues extracted by AI, the PBC control unit 53 identifies issues with high urgency and severity that should be fundamentally solved from the user U who is a member. Issues with high urgency and severity include, for example, child abuse and poverty among single mothers.
The PBC control unit 53 recruits (matches) organizations P that can investigate and make proposals for the identified issues on the credit card cooperation application 71, and requests the organizations that have applied to investigate solutions. The source of matching will be research institutions and research institutions.
The PBC control unit 53 publishes the contents investigated by the organization P on the credit card cooperation application 71 and sends them to related organizations to encourage implementation of solutions.
Thereby, the service provider SA can contribute to society as one of the PBCs.

Further, the PBC control unit 53 executes a donation process to the group terminal 5 of the group P (see FIG. 1) that generates public benefits such as society and the environment and contributes to a sustainable society.
Service provider SA can contribute to society as a PBC by making a donation to organization P as a company that generates public benefits such as social and environmental benefits and contributes to a sustainable society. Instead, it is possible to indirectly support the mother who is the user U and her family, and in turn, it can improve social appeal and be useful for stock price formation.

Next, with reference to FIG. 6, an example of the process performed by the user terminal C when the user U uses a coupon to purchase a predetermined product will be described.
FIG. 6 is a flowchart illustrating an example of a process performed by the user terminal in FIGS. 4 and 5 when a user purchases a predetermined product using a coupon.

In step S11, the coupon presentation unit 41 determines whether or not the user U who has the credit card C performs a usage operation (for example, a startup operation by tapping an app icon).
If the usage operation has not been performed, the coupon presentation unit 41 does not accept the application usage operation, so it determines NO in step S11, and repeats the process of step S11 again.
On the other hand, when a usage operation is performed, the coupon presentation unit 41 receives the usage operation, determines YES in step S11, and advances the process to step S12.

In step S12, the coupon presentation unit 41 presents the coupon provided by the store opening/sponsoring company K to the user U by displaying it on the credit card cooperation application 71.

In step S13, the coupon usage unit 42 determines whether a purchase operation for a predetermined product has been performed.
If the purchase operation has not been performed, the coupon usage unit 42 does not accept the purchase operation, so it determines NO in step S13, and repeats the process of step S13 again.
On the other hand, if a purchase operation is performed, the coupon usage unit 42 receives the purchase operation, determines YES in step S13, and advances the process to step S14.

In step S14, the coupon usage unit 42 executes the above-mentioned processing related to coupon usage on the condition that the payment function of the credit card C is used.

In step S15, the payment control unit 43 determines whether a payment operation for a predetermined product has been performed.
If the payment operation has not been performed, the payment control unit 43 does not accept the payment operation, so it determines NO in step S15, and repeats the process of step S15 again.
On the other hand, if a payment operation is performed, the payment control unit 43 accepts the payment operation, determines YES in step S15, and advances the process to step S16.

In step S16, the payment control unit 43 selects either a payment method in which payment is made at a discounted price (the first method described above) or a payment method in which payment is made at the regular price and the difference is given as Hesokuri points (the second method described above). It is determined whether or not an operation for specifying, that is, a payment specifying operation has been performed.
If the payment designation operation has not been performed, the payment control unit 43 does not accept the payment designation operation, so it determines NO in step S16, and repeats the process of step S15 again.
On the other hand, if the payment designation operation is performed, the payment control unit 43 receives the payment designation operation, determines YES in step S16, and advances the process to step S17.

In step S17, the payment control unit 43 executes control of payment processing using the payment method specified by the payment designation operation and the payment function of the credit card C.
This ends the process.

Although one embodiment of the present invention has been described above, the present invention is not limited to the above-described embodiment, and modifications, improvements, etc. within the range that can achieve the purpose of the present invention are included in the present invention. It is.

In the embodiment described above, an example will be described in which benefits (price discounts and points) are given to user U (mom) in response to purchase operations (with card payment as a condition) for products and services provided in the credit card cooperation application 71. However, in addition to this, there is also a product co-creation function that co-creates products between store opening/supporting company K and member user U (mom), collaboration function between store opening/supporting company K, community function among members, and PBC function. The credit card cooperation application 71 provides the following.

In the embodiment described above, a coupon that can be used as at least part of the payment for products, etc. in the credit card cooperation application 71 was exemplified, but the coupon is not limited to this, and can be used as at least a part of the payment for products, etc. Any combination of any number of values that can be used can be adopted. For example, values such as gift cards, cash coupons, gift certificates, discount coupons, prepaid cards, etc. can be adopted. Furthermore, for example, e-gifts (electronic cash vouchers, etc.) may be used in the same way as coupons, prepaid cards, and the like.
Prepaid cards, etc. have requirements such as balance management, which poses a high barrier to entry for issuing companies, while e-gifts (electronic cash vouchers, etc.) do not give change as a benefit from store openings or supporting companies K, and cannot be charged. If they meet the following requirements, they will be treated as securities. In other words, any security can be adopted as a value.

Further, in the embodiment described above, the credit card C was adopted as a device that cooperates with the credit card cooperation application 71, but the present invention is not particularly limited to this, and it is sufficient if a medium with a predetermined payment function is adopted. When such a medium is adopted, the application software program is not limited to the credit card cooperation application 71, and any application software program that can make payments using the predetermined payment function may be adopted.

Furthermore, in the embodiment described above, the credit card C was provided by the service provider SA to the user U who is a member under the theme of supporting mothers, but the service is not limited to this, and the service is provided under any predetermined theme. It is sufficient that the user SA provides a medium with a payment function to the user U who is a member.

Furthermore, in the above-described embodiment, store opening/sponsoring company K was employed as a supporter of the theme of supporting mothers, but this is not particularly limited, and the supporter supports a predetermined theme adopted by service provider SA. It is sufficient if any third party is hired.

Furthermore, in the embodiment described above, Hesokuri points are given to the user U, but the object to be given is not particularly limited to this, and any privilege is sufficient.

Further, for example, the series of processes described above can be executed by hardware or by software.
In other words, the functional configuration in FIG. 5 is merely an example and is not particularly limited.
That is, it is sufficient that the information processing device has a function that can execute the series of processes described above as a whole, and what kind of functional blocks are used to realize this function is not particularly limited to the example shown in FIG. 5. Further, the locations of the functional blocks and the database are not particularly limited to those shown in FIG. 5, and may be arbitrary. For example, at least a portion of the functional blocks and databases necessary for executing various processes in the server 1 may be transferred to the user terminal 2 or the like. Conversely, the functional blocks and database of the user terminal 2 may be transferred to the server 1 or the like.
Further, one functional block may be configured by a single piece of hardware, a single piece of software, or a combination thereof.

When a series of processes is executed by software, a program constituting the software is installed on a computer or the like from a network or a recording medium.
The computer may be a computer built into dedicated hardware.
Further, the computer may be a computer that can execute various functions by installing various programs, such as a server, a general-purpose smartphone, or a personal computer.

Recording media containing such programs not only consist of removable media (not shown) that is distributed separately from the main body of the device in order to provide the program to the user, but also are provided to the user in a state that is pre-installed in the main body of the device. Consists of provided recording media, etc.

Note that in this specification, the step of writing a program to be recorded on a recording medium is not only a process that is performed chronologically in accordance with the order, but also a process that is not necessarily performed chronologically but in parallel or individually. It also includes the processing to be executed.
Furthermore, in this specification, the term system refers to an overall device composed of a plurality of devices, a plurality of means, and the like.

In other words, the information processing apparatus to which the present invention is applied only needs to have the following configuration, and can take various embodiments.
That is, the information processing apparatus to which the present invention is applied is provided to users who are members of a medium with a predetermined payment function (for example, credit card C as a mom support card in FIGS. 1 and 2) (for example, parents with children, for example, mothers, etc.). In an information processing device (for example, a user terminal 2 such as a smartphone as shown in FIG. 5) managed by a user U) shown in FIGS. 1 and 2,
In an application program provided to the member and having the payment function using the card (for example, the credit card cooperation application 71 in FIG. 2), the first operation by the user (for example, use of starting an application, etc.) operation), the value (for example, coupon 91 in Figure 2) that allows the payment function to be provided by a third party (for example, store opening/sponsor company K in Figure 1) is accepted by the user (for example, a mother, etc.). a value presentation means (for example, the coupon presentation section 41 in FIG. 5), which is presented to the user U);
In the application program, when a second operation by the user (for example, a mother's operation to purchase a product or service) is accepted, the value ( a value utilization means (for example, the coupon utilization unit 42 in FIG. 5) that executes processing related to the use of coupons;
It is sufficient to have the following.

As a result, a third party (for example, a store opening/sponsoring company K, etc.) can send a request to a user (for example, a user U such as a mother) who owns a credit card C with a payment function with a predetermined theme (for example, a theme of supporting mothers). However, by using the application program (for example, the credit card cooperation application 71, etc.), it is possible to freely issue a desired value (for example, a coupon, etc.) after the fact and conduct promotions. For example, a player (third party) who wants to give benefits to mom can pinpoint benefits based on value (for example, coupons, etc.). Specifically, for example, it becomes possible to issue value (such as a coupon) (issue a benefit different from a fixed benefit) during a period when the vehicle is likely to idle.
As a result, we can expect an increase in the number of third parties (for example, store openings, supporting company K, etc.), and a corresponding increase in the number of members (the number of users U such as mothers), as well as an increase in the payment unit price per member. I can hope for it. In this way, businesses related to a predetermined theme (for example, a theme of supporting mothers) can be successful, and it is also possible to improve the social environment based on the predetermined theme.
That is, it is possible to support the success of a business with a predetermined theme and the provision of services that contribute to the improvement of the social environment based on that theme.

The value may be a coupon.
As a result, the issuer of the coupon (for example, store opening/sponsoring company K, etc.) can have the user (for example, user U, such as a mother) use the coupon for purposes that are advantageous to the company (discount coupons, cash coupons, etc.) I can do it.

In the application program (for example, credit card cooperation application 71, etc.),
As a third operation by the user (for example, user U such as a mother), a second price (for example, 10% OFF) that is cheaper than the first price (for example, list price 10,000 yen) set by the seller for a predetermined product or service is performed. 9,000 yen)),
If you make a payment at the first price (for example, a credit card payment for 10,000 yen), and receive a benefit equivalent to the difference (for example, 1,000 yen) between the first price and the second price (for example, 1 yen = 1 point) , 1000 Hesokuri Points, etc.) to the user;
a second payment form in which payment is made at the second price (credit card payment, etc. at 9,000 yen with 10% off);
receiving an operation for specifying any one of a plurality of formats including , as a fourth operation (for example, a payment format designation operation, etc.) by the user (for example, user U such as a mother);
a payment means (for example, the payment control unit 43 in FIG. 5) that executes payment processing using the payment function in the payment format specified by the fourth operation;
Furthermore, it is equipped with.
As a result, if, for example, a credit card payment (debit account) is made by someone (such as a father) other than the user (such as user U such as a mother), Hesokuri Points, which are advantageous for the user (such as user U such as mother), will be transferred to the user (such as user U such as mother). For example, the number of users (number of members) increases, and the unit price of credit card payment per user also improves. Note that a form in which a portion of the difference amount is converted into points may be adopted as a plurality of payment forms.

When a fifth operation (for example, joint purchase operation, etc.) by the user (for example, user U such as a mother) is received, a process for jointly purchasing a predetermined product or service with one or more other users is performed. A group purchasing means (for example, the group purchasing unit 44 in FIG. 5),
Furthermore, it is equipped with.
Further, the predetermined product or service is a prepaid card whose selling price decreases when the number of sold cards increases beyond a certain level.
As a result, group purchases can be realized, and for users (for example, user U such as a mother), the feeling of using an application software program (owning a medium such as credit card C) increases, and The provider (for example, store opening/sponsoring company K, etc.) can sell products or services such as prepaid cards in large quantities. That is, a win-win relationship (a relationship that benefits both parties) is established between the user and the provider.

The information processing device (for example, the user terminal 2 in FIG. 5) is
Content related to the operator of the association (for example, service provider SA, etc.) or the third party (for example, store opening/sponsor company K), including the attributes and behavior history of the user (for example, user U such as a mother). content presentation means (for example, the content presentation unit 45 in FIG. 5) that presents the user with content (for example, direct mail (DM) from store opening/sponsoring company K, etc.) according to user information about the content;
Furthermore, it is equipped with.
Thereby, content (for example, DM, etc.) suitable for the user (for example, user U such as a mother) can be provided to the user (for example, user U such as a mother) according to the user's attributes and behavior history.

Here, the user information can include any number of any type of context information.
Here, "context information" refers to information indicating at least one of the user's internal state and external state. That is, one piece of context information is information indicating one or more of the user's "internal state" and "external state."
Here, the "internal state" refers to the internal state of the user, which is indicated by various types of information obtained by sensing the user himself. Information indicating the "internal state" includes, for example, the user's physical characteristics such as height, weight, body temperature, pulse, body fat percentage, body shape, fingerprints, voiceprint, age, etc. obtained through measurements and surveys. Contains information. Further, information such as the user's physical condition and emotions, the user's action history, etc. are also included in the information indicating the user's internal state.
Furthermore, the term "external state" refers to the external state of the user, which is indicated by various types of information obtained by sensing the environment around the user. Information indicating "external conditions" includes, for example, the user's information regarding the history and forecast of weather (weather, temperature, humidity, etc.), room temperature, etc. in a place that has existed in the past, currently exists, or may exist in the future. Contains information. Further, the information indicating the external state includes information indicating the spatial or temporal position of the user, and a predetermined state distributed in at least one of the spatial direction and the temporal direction around the user. It also includes information indicating.
Note that in this specification, "time" is not limited to the original concept of "width", but also includes "time" and "timing" as concepts that indicate "the moment". . Therefore, the "data indicating the temporal arrangement position" includes, for example, the time at a predetermined timing in the past, the current time, and the like.

The information processing device (for example, the user terminal 2 in FIG. 5) is
The user (for example, user U, such as a mom) uses the payment function of the medium (for example, credit card C such as a mom support card) to receive a certain amount of money provided by a predetermined seller (for example, store opening/sponsoring company K, etc.). When a product or service is purchased, an evaluation receiving means (e.g., the evaluation receiving unit 46 in FIG. 5) that receives the user's evaluation of at least one of the predetermined seller and the predetermined product or service;
Furthermore, it is equipped with.
As a result, unlike previous evaluation sites such as Tabelog (registered trademark), it is possible to create an evaluation site unique to users (for example, User U, such as a mother) gathered around a predetermined theme (for example, the theme of supporting mothers). Become. Depending on the evaluation, the social environment can be improved based on a predetermined theme (for example, the higher the evaluation of a restaurant that offers baby seats, the more such restaurants will be found).

The information processing device (for example, the user terminal 2 in FIG. 5) is
usage record acquisition means (for example, the usage record acquisition unit 47 in the figure) that acquires the usage record of the application program (for example, credit card cooperation application 71, etc.) of the user (for example, user U such as a mother);
Furthermore, it is equipped with.
As a result, you can change the coupon depending on your usage history (for example, issue a coupon with a higher discount rate if you have a lot of usage history), or change your membership rank (if you have a lot of usage history, you can become an advanced member (diamond member, etc.), On the other hand, if there is little usage history, membership rights can be forfeited, etc.).

The information processing device (for example, the user terminal 2 in FIG. 5) is
In the application program (for example, the credit card cooperation application 71), information indicating that the product or service is a third party (for example, a store opening/sponsor company K), which has a predetermined theme (for example, a theme of supporting moms, etc.) is presented.
This makes it possible to realize a system that connects a person who wants a donation (for example, organization P in FIG. 1 such as a public interest corporation) with the third party (enterprise opening/sponsoring company K, etc.).

1... Server, 2, 2-a to 2-n... User terminal, 3, 3-a to 3-m... Supporting company terminal, 4... Card company terminal, 5... Organization Terminal, 21... CPU, 12... ROM, 23... RAM, 24... Bus, 25... Input/output interface, 26... Input section, 27... Output section, 28... Storage unit, 29...Communication unit, 30...Drive, 30a...Removable media, 41...Coupon presentation unit, 42...Coupon usage unit, 43...Payment control unit, 44... - Group purchase department, 45... Content presentation section, 46... Evaluation reception section, 47... Usage record acquisition section, 51... Application control section, 52... Exchange control section, 53... PBC control unit, 61... Coupon presentation control unit, 62... Coupon usage control unit, 63... Payment processing control unit, 64... Group purchase control unit, 65... Content presentation control unit, 66 ...Evaluation reception control unit, 67...Usage record acquisition control unit, 31...DB, C...Credit card, CR...Credit company, SA...Service provider, P... Groups, K...store openings/sponsoring companies, NW...network

Claims (11)

1. In an information processing device managed by a member user of a medium with a predetermined payment function,
   In the application program provided to the member and having the payment function in the medium, when the first operation by the user is accepted, the payment function provided by a third party can be used. a value presentation means for presenting value to the user;
   In the application program, when a second operation by the user is accepted, a value utilization means executes processing related to the use of the value on the condition that the payment function of the medium is used;
   An information processing device comprising:
2. the value is a coupon;
   The information processing device according to claim 1.
3. In the application program,
   When the third operation by the user is an operation for purchasing a predetermined product or service at a second price that is cheaper than the first price set by the seller,
   a first payment mode in which payment is made at the first price and a benefit corresponding to the difference between the first price and the second price is granted to the user;
   a second payment form in which payment is made at the second price;
   receiving as a fourth operation by the user an operation specifying any one of a plurality of forms including;
   a payment means that executes control to perform payment using the payment function in the payment format specified by the fourth operation;
   The information processing device according to claim 1, further comprising:
4. In the application program,
   joint purchasing means that executes a process of jointly purchasing a predetermined product or service with one or more other users when a fifth operation by the user is received;
   The information processing device according to claim 1, further comprising:
5. The predetermined product or service is a prepaid card whose selling price decreases when the number of sold cards increases beyond a certain level;
   The information processing device according to claim 4.
6. Content presentation means for presenting to the user content related to the association's operator or the third party, the content of which is responsive to user information regarding the user, including the user's attributes and action history;
   The information processing device according to claim 1, further comprising:
7. When the user purchases a predetermined product or service provided by a predetermined seller using the payment function of the predetermined credit card, the user's purchase price for at least one of the predetermined seller and the predetermined product or service is Evaluation reception means for accepting evaluations;
   The information processing device according to claim 1, further comprising:
8. usage record acquisition means for acquiring the usage record of the application program by the user;
   The information processing device according to claim 1, further comprising:
9. In the application program, information indicating that the application program is a third party or product or service that supports a predetermined theme is presented;
   The information processing device according to claim 1.
10. In an information processing method executed by an information processing device managed by a member user of a prescribed medium with a payment function,
    In the application program provided to the member and having the payment function in the medium, when the first operation by the user is accepted, the payment function provided by a third party can be used. a value presentation step of presenting value to the user;
    In the application program, when a second operation by the user is accepted, a value utilization step of executing processing related to the use of the value on the condition that the payment function of the medium is used;
    Information processing methods including.
11. on a computer managed by a user of a member of a specified medium with a payment function,
    In the application program provided to the member and having the payment function in the medium, when the first operation by the user is accepted, the payment function provided by a third party can be used. a value presentation step of presenting value to the user;
    In the application program, when a second operation by the user is accepted, a value utilization step of executing processing related to the use of the value on the condition that the payment function of the medium is used;
    A program that executes control processing including.

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