Information processing device, information processing method and program

Abstract

To provide an information processing device for improving customer loyalty to electronic settlement services.SOLUTION: An information processing device includes a generation part for setting a discount rate of a discount coupon usable in electronic settlement services for processing settlement relating to purchase in a real store and generating a discount coupon with the discount rate set; and a notification part for notifying of generation of the discount coupon to a user terminal device used by a user, where the generation part sets the discount rate based on an index value relating to the electronic settlement services and dynamically changing.SELECTED DRAWING: Figure 1

Description

[Technical Field]

[0001] The present invention relates to an information processing device, an information processing method, and a program. [Background technology]

[0002] Conventionally, there are known techniques for providing benefits such as discounts to users who use electronic payment services. For example, Patent Document 1 discloses a technique for identifying usage trends of electronic payment services for each residential area based on electronic payment information for each residential area of ​​the user, and determining a discount rate for each residential area according to the identified usage trends. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Japanese Patent Publication No. 2022-018204 Summary of the Invention [Problem to be solved by the invention]

[0004] The technology described in Patent Document 1 applies a discount rate determined according to identified usage trends for a predetermined period (e.g., one month). In this case, users check the discount rate every predetermined period before making electronic payments. However, outside of the predetermined period, users have no motivation to check information about electronic payment services, which can result in low customer loyalty to the electronic payment service.

[0005] The present invention has been made in consideration of the above circumstances, and one of its objects is to provide an information processing device, an information processing method, and a program that can improve customer loyalty to electronic payment services. [Means for solving the problem]

[0006] One aspect of the present invention is an information processing device that includes a generation unit that sets a discount rate for a discount coupon that can be used in an electronic payment service that processes payments for purchases at physical stores and generates a discount coupon with the discount rate set, and a notification unit that notifies a user terminal device used by a user of the generation of the discount coupon, wherein the generation unit sets the discount rate based on an index value that is related to the electronic payment service and that changes dynamically. [Effects of the Invention]

[0007] According to one aspect of the present invention, it is possible to improve customer loyalty to electronic payment services. [Brief explanation of the drawings]

[0008] [Figure 1] FIG. 1 is a diagram illustrating an example of a configuration for realizing an electronic payment service. [Figure 2] This is a sequence diagram (part 1) illustrating the general flow of electronic payment. [Figure 3] This is a sequence diagram (part 2) illustrating the general flow of electronic payment. [Figure 4] FIG. 2 is a configuration diagram of a payment server 100 according to the first embodiment. [Figure 5] FIG. 10 is a diagram showing an example of the contents of user information 172. [Figure 6] FIG. 10 is a diagram showing an example of the contents of affiliated store / store information 176. [Figure 7] FIG. 10 is a diagram showing an example of a top screen IM1 of payment application 20. [Figure 8] FIG. 10 is a diagram showing an example of a method for using a first coupon by a user terminal device 10. [Figure 9] FIG. 10 is a diagram showing an example of a method for using a second coupon by the user terminal device 10. [Figure 10] 10 is a diagram showing another example of a method for using a second coupon by the user terminal device 10. FIG. [Figure 11] FIG. 10 is a diagram showing an example of a method in which the user terminal device 10 displays the discount rate of the second coupon. [Figure 12] 10 is a diagram showing an example of a method by which a store manager sets a second coupon on the affiliated store interface 72 of the second store terminal device 70. FIG. [Figure 13] FIG. 10 is a sequence diagram showing an example of the flow of electronic payment using a second coupon. [Figure 14] FIG. 13 is a diagram showing an example of a store code reading screen 300 of a payment application 20 according to a fourth modification. [Figure 15] FIG. 13 is a diagram showing an example of a product code reading screen 310 of the payment application 20 according to the fourth modification. [Figure 16] FIG. 13 is a diagram showing an example of a payment screen 330 of a payment application 20 according to a fourth modification. DETAILED DESCRIPTION OF THE INVENTION

[0009] Hereinafter, with reference to the drawings, embodiments of an information processing device, an information processing method, and a program control method of the present invention will be described. An application program and a payment server cooperate to provide an electronic payment service. In the following description, the application program will be referred to as a payment app. An electronic payment service is a service that supports payments for the purchase of goods and services at a store. A store is, for example, a physical store (real store) existing in real space, but may also include a virtual store for e-commerce. A virtual store may also include a store provided by an entity other than the operator of the electronic payment service. In such a case, when paying for purchases at the virtual store, the user is controlled to transition to an interface screen for the electronic payment service. In an electronic payment service, a store is treated as belonging to, for example, an affiliated store (brand), and processing such as payment when a purchase is made at a store is primarily conducted between the user and the affiliated store. Alternatively, processing such as payment may be conducted between the user and the store.

[0010] [Electronic payment service] Figure 1 shows an example of a configuration for realizing an electronic payment service. The electronic payment service is realized mainly by a payment server 100. The payment server 100 communicates with, for example, one or more user terminal devices 10, one or more first store terminal devices 50, one or more second store terminal devices 70, and an information distribution server (inventory management server) 200 via a network NW. The network NW includes, for example, the Internet, a LAN (Local Area Network), a wireless base station, a provider device, etc.

[0011] The user terminal device 10 is, for example, a portable terminal device such as a smartphone or tablet terminal. The user terminal device 10 is a computer device having at least an optical reading function, a communication function, a display function, an input acceptance function, and a program execution function. In the following description, components for realizing these functions are referred to as a camera, a communication device, a touch panel, a CPU (Central Processing Unit), etc. In the user terminal device 10, a processor such as a CPU executes a payment app 20, which operates in cooperation with the payment server 100 to provide electronic payment services to users. The payment app 20 is installed on the user terminal device 10 from, for example, an application store, and controls the camera, communication device, touch panel, etc.

[0012] The first store terminal device 50 is installed, for example, in a store. The first store terminal device 50 is a computer device having at least a product price acquisition function, an optical reading function, a program execution function, and a communication function. The first store terminal device 50 includes a so-called POS (Point of Sale) device, and the product price acquisition function and the optical reading function may be realized by the POS device. The store code image 60 is placed in the store and is a code image such as a QR code (registered trademark) printed on a paper or plastic medium. The store code image 60 may be displayed on a display placed in the store (which may be the display of a terminal device such as a smartphone).

[0013] The second store terminal device 70 is used by the operator of the affiliated store. The second store terminal device 70 is a smartphone, tablet terminal, personal computer, etc. An interface for affiliated store 72 runs on the second store terminal device 70. The interface for affiliated store 72 may be an app for affiliated store or a browser. The interface for affiliated store 72 accepts coupon settings and the like from the operator of the affiliated store and transmits them to the payment server 100. The second store terminal device 70, which is a smartphone, has the function of displaying a code image corresponding to a store code image and reading the code image displayed by the user terminal device 10 by executing the app for affiliated store. The second store terminal device 70 may be provided for each affiliated store and used by the store manager (e.g., an employee).

[0014] The payment server 100 realizes electronic payment based on payment information received from the user terminal device 10 or the first store terminal device 50. The first store terminal device 50 may include a POS device and an affiliated store server, in which case payment information is sent from the POS device via the affiliated store server to the payment server 100. In the following explanation, this distinction will not be made and it is assumed that payment information is sent from the first store terminal device 50.

[0015] 2 and 3 are sequence diagrams illustrating the general flow of electronic payment. There may be two patterns for electronic payment: Pattern 1 and Pattern 2.

[0016] In the case of pattern 1 (hereinafter referred to as user scan) shown in FIG. 2, the user terminal device 10, with the payment application 20 running, decodes the store code image 60 using its optical reading function (S1). The store code image 60 includes store URL (Uniform Resource Locator) information. This store URL is the domain of the electronic payment service to which store identification information has been added, and is associated with an affiliated store ID, store ID, etc. in the payment server 100 (described below). The payment application 20 sends first payment information including the store URL and account ID to the payment server 100 (S2). The payment server 100 searches for store information (described below) using the affiliated store ID and store ID corresponding to the store URL, acquires the affiliated store name and store name information (S3), and sends this to the payment application 20 (S4). The user enters the payment amount into the user terminal device 10 on the screen displaying the affiliated store name and store name (S5). Then, the user terminal device 10 generates second payment information including at least the payment amount and sends it to the payment server 100 (S6). The payment server 100 makes the electronic payment based on the received second payment information (S7). The payment server 100 then sends a payment completion notice (information for displaying a payment completion screen) to the payment app 20 (S8), and the payment app 20 displays the payment completion screen (S9). Note that when the store code image 60 is displayed on a display installed in the store, the store code image 60 may include information on the payment amount in addition to the store URL. In this case, the step of the user inputting the payment amount is omitted, and the payment amount information is included in the first payment information and sent to the payment server 100. Information on the affiliated store name and store name may be included and displayed on the payment completion screen.

[0017] In the case of pattern 2 (hereinafter referred to as store scan) shown in FIG. 3, the payment app 20 sends a request to issue a one-time code to the payment server 100 when the payment app 20 is launched, when a payment operation is performed in the payment app 20, at the automatic update timing (e.g., every minute), and at other timings (S11). The payment server 100 generates a one-time code (S12) and sends it to the payment app 20 (S13). The payment app 20 displays a code image, such as a QR code or barcode, generated based on the one-time code (S14). The user holds (presents) the display surface of the user terminal device 10 over the first in-store terminal device 50, and the first in-store terminal device 50 decodes the code image using its optical reading function and obtains the one-time code, etc. (S15). The first in-store terminal device 50 then generates payment information including the one-time code, payment amount, affiliated store ID, store ID, etc., and sends it to the payment server 100 (S16). The payment amount information is acquired in advance by reading a barcode, manually entering it, etc. Based on the received information, the payment server 100 identifies the user corresponding to the one-time code and performs electronic payment (S17). Then, the payment server 100 sends a payment completion notice to the payment application 20 (S18), and the payment application 20 displays a payment completion screen (S19).

[0018] Note that electronic payment may be performed using only one of the above patterns. Furthermore, the "account ID" described in FIG. 2 may be other information (e.g., a phone number) that can be used as user identification information. Furthermore, issuing a one-time code may be omitted in store scanning, and the payment application 20 may display a code image generated based on the user's account ID. In this case, the payment server 100 identifies the user corresponding to the account ID instead of identifying the user corresponding to the one-time code.

[0019] [Payment server] FIG. 4 is a configuration diagram of the payment server 100 according to the first embodiment. The payment server 100 includes, for example, a communication unit 110, a payment content providing unit 120, a payment processing unit 130, an information management unit 140, a coupon generation unit 150, an information notification unit 160, and a storage unit 170. The components other than the communication unit 110 and the storage unit 170 are realized by, for example, a hardware processor such as a CPU executing a program (software). Some or all of these components may be realized by hardware (including circuitry) such as an LSI (Large Scale Integration), an ASIC (Application Specific Integrated Circuit), an FPGA (Field-Programmable Gate Array), or a GPU (Graphics Processing Unit), or may be realized by a combination of software and hardware. The program may be stored in advance in a storage device such as an HDD (Hard Disk Drive) or flash memory (a storage device with a non-transitory storage medium), or may be stored in a removable storage medium (a non-transitory storage medium) such as a DVD or CD-ROM, and installed in the storage device by inserting the storage medium into a drive device.

[0020] The storage unit 170 is a HDD, flash memory, RAM (Random Access Memory), etc. The storage unit 170 may be a NAS (Network Attached Storage) device that the payment server 100 can access via a network. The storage unit 170 stores information such as user information 172, payment content information 174, affiliated store / shop information 176, and coupon information 178. The coupon information 178 stores information related to a first coupon and a second coupon, which will be described later.

[0021] The communication unit 110 is a communication interface for connecting to the network NW, and is, for example, a network interface card.

[0022] The payment content providing unit 120 has, for example, a function of a web server, and provides information (content) for displaying various screens of the electronic payment service to the user terminal device 10. The payment content providing unit 120 reads out necessary content from the payment content information 174 as appropriate and provides it to the user terminal device 10. The user terminal device 10 accepts various inputs from the user while content is being played by the payment application 20, and transmits the above-mentioned payment information and the like to the payment server 100.

[0023] The payment processing unit 130 performs payment processing based on the payment information transmitted by the user terminal device 10 or the first store terminal device 50. The payment processing unit 130 performs payment processing while referring to the user information 172.

[0024] FIG. 5 is a diagram showing an example of the contents of user information 172. User information 172 is an example of user registration information. User information 172 includes, for example, a user URL, account ID, telephone number, and password, as well as associated information such as email address, user ID, name, address, date of birth, registration date, charge balance, deferred payment settings, deferred payment limit, deferred payment usage amount, available deferred payment amount, payment method settings, bank account, credit card number, charge history information, payment history information, follow affiliated stores, first coupon, and owned points. The user URL is used for remittance processing between users. When registering for the electronic payment service, registration of a phone number and password is required. The account ID is issued to the user by the payment server 100, and the user ID can be set arbitrarily by the user (or does not have to be set). The email address, name, address, and date of birth are also information that can be set arbitrarily by the user (or do not have to be set). The registration date is the date on which the user registered for the electronic payment service (the date on which the account was created). Hereinafter, the user's instance (electronic payment account) to which this information is associated will be referred to as an account.

[0025] The charge balance indicates the balance of electronic money set by the user by transferring funds to the account in advance. Transfer methods include transfers from a designated service provider (bank) ATM (Automatic Teller Machine) or from a registered bank account. The deferred payment setting indicates whether the setting for deferred payment electronic payments has been completed and is set to either "completed" or "not completed." The deferred payment limit is the monthly deferred payment limit. The deferred payment usage amount is the amount of deferred payment already used in the current month. The available deferred payment amount is the amount of deferred payment available in the current month, calculated by subtracting the deferred payment usage amount from the deferred payment limit. While the figure shows only one deferred payment limit, in reality, there may also be daily upper limits, and the lower of these may be set as the deferred payment limit. Further details on deferred payment will be discussed later. The payment method setting indicates whether the user will make electronic payments using the charge balance or by deferred payment at that time. The bank account and credit card number are the bank account or credit card number information (account number, card number) that can be used to deposit funds into the electronic payment service. The charge history information is a history of the user's previous transfers to the electronic payment service to increase the charge balance. The payment history information is information that shows the breakdown of payments made by the user for each payment (date and time, store ID of the store where the purchase was made, payment amount, payment method, etc.). Details of followed member stores, first coupons, and held points will be provided later.

[0026] 6 is a diagram showing an example of the contents of affiliated store / store information 176. The affiliated store / store information 176 includes, for example, a first table 176A in which an affiliated store ID and a store ID are associated with a store URL, a second table 176B in which an affiliated store ID is associated with an affiliated store name and sales amount (described above), and a third table 176C in which a store ID is associated with a store name. In addition to this information, the affiliated store / store information 176 may also include information such as the category of the affiliated store or store, the store's location, and payment patterns.

[0027] The information management unit 140 manages the user information 172 and the affiliated store / store information 176 based on information acquired from the user terminal device 10 and the second store terminal device 70. The information management unit 140 adds new records to, edits, deletes, etc. the user information 172 and the affiliated store / store information 176.

[0028] [Electronic Payment] When payment information is acquired from the user terminal device 10 or the first store terminal device 50, the payment processing unit 130 references the user information 172 to acquire the "payment method setting" of the user. For users whose "payment method setting" is set to "charge balance," the payment processing unit 130 performs electronic payment as follows: For example, the payment processing unit 130 performs electronic payment by decreasing the charge balance managed in association with the user ID and increasing the item value of the affiliated store's sales proceeds. The item value of the affiliated store's sales proceeds is not itself used as electronic money, for example, but rather the amount corresponding to the item value of the sales proceeds is transferred to a bank account in a cycle according to an agreement between the affiliated store and the electronic payment service.

[0029] The payment processing unit 130 performs electronic payments for users whose "setting information" is set to "deferred payment" as follows. Deferred payment is set separately from "credit card payment," which is set in cooperation with a credit card company, which is a separate entity from the operator of the electronic payment service. The operator of the electronic payment service acts as the creditor, and allows electronic payments within the deferred payment limit, independent of the remaining balance. To receive the deferred payment service, a user may be required to obtain a credit card provided by the operator of the electronic payment service. The amount used for deferred payment is settled in full on the following month's payment date, for example, by debit from a bank account. In this case, the payment processing unit 130 makes a provisional payment by adding the payment amount to the deferred payment amount and subtracting the same amount from the available deferred payment balance. On the closing date, the payment processing unit 130 performs the process described above to debit the current month's payment on the following month's payment date, or requests the credit card operator to perform this process. If the payment amount exceeds the available deferred payment balance at the time of provisional payment, an error notification is returned to the payment app 20.

[0030] [Top screen] FIG. 7 is a diagram showing an example of the top screen IM of the payment app 20. A code image CD is displayed on the top screen IM. The code image CD includes, for example, a barcode and a QR code. Along with the code image CD, text indicating whether to make electronic payment using the remaining balance or to make electronic payment by deferred payment (in the figure, "Pay with balance") is also displayed. This text is drawn by the payment app 20 based on information updated by the payment app 20 each time the selector switch SW is operated. The top screen IM also includes an operation area CA including the selector switch SW and a transition button TB, which will be described later. Note that the "switch" and "button" refer to a graphical user interface (GUI) implemented in cooperation with a touch panel. The selector switch SW accepts an operation to switch between making electronic payment using the remaining balance and making electronic payment by deferred payment. The selector switch SW is set to make electronic payment using the remaining balance by default, and each time the user operates the selector switch SW, the setting switches between making electronic payment using the remaining balance and making electronic payment by deferred payment. In the figure, the explanation "Balance Payment" is displayed, which means that the setting is to make electronic payments using the remaining charge. The operation area CA has buttons for instructing the main operations in electronic payments, such as a button to instruct scanning (to start a user scan) and a button to instruct charging. When the transition button TB is operated, the screen transitions to a payment screen that displays the code image used for electronic payments and the available balance.

[0031] Furthermore, the top screen IM includes areas CP1 and CP2 for providing information about a first coupon and a second coupon for applying a discount (which in this embodiment means awarding points that can be used in the next electronic payment) from the payment amount when making a payment using the electronic payment service. As shown in FIG. 7 , area CP1 represents an area for providing the user with information about the first coupon, and area CP2 represents an area for providing the user with information about the second coupon. When a user presses area CP1 on the payment app 20, the payment app 20 transitions to a screen related to the first coupon, whereas when a user presses area CP2 on the payment app 20, the payment app 20 transitions to a screen related to the second coupon. As described below, the first coupon's conditions, such as the discount rate and usage period, are set in advance by the affiliated store or store administrator that registers with the electronic payment service based on their own discretion, whereas the second coupon's conditions are set automatically (or by simple specification by the administrator) based on dynamically changing index values ​​related to the electronic payment service. The second coupon is an example of a "discount coupon" in the claims. The first coupon and the second coupon will be described in detail below.

[0032] [First coupon] Figure 8 is a diagram showing an example of how the first coupon can be used by the user terminal device 10. The screen on the left side of Figure 8 represents a screen that is displayed on the user terminal device 10 when, for example, the user accesses a dedicated page of a merchant affiliated with the electronic payment service via the payment application 20 of the user terminal device 10. This screen is displayed, for example, when the user clicks on the area representing the first coupon CP1 on the top screen IM of Figure 7 and searches for a store that offers the first coupon.

[0033] The affiliated store page includes, for example, an area A1 displaying summary information about the affiliated store, a button B1 for following the affiliated store, and an area A2 displaying detailed information about the affiliated store in a switchable manner using tabs. When the user presses the follow button B1, the payment app 20 transmits information indicating that the follow button B1 has been pressed together with the user's identification information (e.g., account ID) to the payment server 100, and the information management unit 140 stores the identification information of the affiliated store (e.g., affiliated store ID) in "Followed Affiliated Store" in the user information 172. As a result, for example, every time the affiliated store updates the content of the affiliated store page, the payment server 100 notifies the user via the payment app 20 that the content of the affiliated store page has been updated.

[0034] 8, for example, if the user taps on "First Coupon," which is one of the tabs included in area A2, the first coupons that the user can currently use for electronic payment at the store are displayed. For example, if the user follows the affiliated store and presses button B2 to acquire the first coupon, payment application 20 transmits information indicating that acquire button B2 has been pressed together with the user's identification information (e.g., account ID) to payment server 100, and information management unit 140 stores information on the first coupon acquired by the user in "First Coupon" of user information 172.

[0035] After a user acquires a first coupon, when the user terminal device 10 executes an electronic payment, the payment processing unit 130 determines whether the electronic payment complies with the terms and conditions of the first coupon acquired by the user, and if it is determined that the electronic payment complies with the terms and conditions of the coupon, the payment processing unit 130 grants the user a benefit according to the contents of the first coupon. For example, in the case of Fig. 8, the payment processing unit 130 determines whether the payment amount of the electronic payment is 300 yen or more, and if the payment amount is 300 yen or more, grants points equivalent to 5% of the payment amount.

[0036] The payment app 20 then displays a payment completion screen, which includes area A3 displaying the store where the payment was made, area A4 displaying the payment amount, and area A5 displaying the awarded benefits. The right side of FIG. 8 shows, as an example, a case in which the user receives a first coupon offering 5% off and is awarded 25 yen in points for a 500 yen payment. In this case, the information management unit 140 stores the 25 yen in the "owned points" field of the user information 172, and the payment processing unit 130 prioritizes deducting the owned points from the payment amount at the user's next electronic payment and subtracts the remaining amount from the charge balance or the available balance for later payment. Alternatively, the coupon may be directly subtracted from the payment amount for that day without being added as points available for payment.

[0037] In this way, the terms of the first coupon, such as the discount rate, are set in advance by the affiliated store or store administrator based on their own discretion, and users can obtain the first coupon with the pre-set terms by accessing the affiliated store's dedicated page. Providing such first coupons provides users with an incentive to use electronic payment services, but the terms are fixed and unpredictable, which can make it difficult to improve customer loyalty. Furthermore, first coupons are generally created by the affiliated store or store administrator to be usable for a predetermined period of time (e.g., one month), and require manual setting of thumbnail images, promotional text, and the like. This can make them inappropriate for promoting purchases of products (e.g., food) or services (e.g., movies or concerts) that are close to their expiration date.

[0038] [Second coupon] In light of the above circumstances, the coupon generation unit 150 sets a discount rate for a coupon based on a dynamically changing index value related to an electronic payment service and provides the coupon as a second coupon. Here, the dynamically changing index value is, for example, inventory information for products or services sold by the affiliated store. The coupon generation unit 150 acquires store inventory information from the information distribution server 200, which is the affiliated store's inventory management server, via the network NW, sets a discount rate for products (or services) with an upcoming expiration date in the acquired inventory information, and generates code information with the product identifier and discount rate set as a second coupon. In this case, the coupon generation unit 150 may set a higher discount rate the closer the expiration date (or expiration date) is to the current time.

[0039] In another embodiment, the coupon generation unit 150 may set the discount rate using the inventory amount of the product or service, rather than the expiration date or supply deadline of the product or service, as a dynamically changing index value. In this case, the coupon generation unit 150 may set a higher discount rate the greater the inventory amount of the product or service. For example, the coupon generation unit 150 may set a higher discount rate the closer the expiration date of a food item is and the greater the inventory amount of the food item is, or the closer the screening time of a movie is and the greater the number of available seats at the theater showing the movie is.

[0040] In another embodiment, the coupon generation unit 150 may generate a second coupon for a new product newly registered in the inventory information as a dynamically changing index value. For example, the coupon generation unit 150 may set a higher discount rate the closer the registration date and time of the product newly registered in the inventory information is to the current time. Furthermore, for example, when a product or service is newly added to the inventory information, the coupon generation unit 150 may determine whether the same product or service has been offered in the past at the affiliated store or the entire electronic payment service. If it is determined that the newly added product or service has not been offered in the past, the coupon generation unit 150 may generate a second coupon for the product or service. In this case, the coupon generation unit 150 may set a higher discount rate the closer the registration date and time of the product or service is to the current time, or the smaller the user's purchase volume. This may provide an incentive to purchase a new product that has no sales history.

[0041] The information notification unit 160 stores the generated second coupon as coupon information 178 in the storage unit 170 and transmits it as code information to the second store terminal device 70 of the store. The store manager prints the code information of the second coupon received by the second store terminal device 70 and attaches it to the corresponding product. Furthermore, the information notification unit 160 notifies the user terminal device 10 that a new second coupon has been issued. Upon confirming the notification, the user visits the store that issued the second coupon and uses the user terminal device 10 to use the second coupon. The method of using the second coupon will be described in detail below.

[0042] Figure 9 is a diagram showing an example of how a second coupon is used by user terminal device 10. The screen on the left side of Figure 9 represents a screen that is displayed on user terminal device 10 when, for example, the user accesses a screen for searching for second coupons provided in electronic payment services via payment application 20 of user terminal device 10. This screen is displayed, for example, when the user clicks on the area representing second coupon CP2 on top screen IM of Figure 7.

[0043] The information notification unit 160 first receives location information (e.g., GPS information) from the user terminal device 10 and displays the locations P of stores S that offer second coupons in the vicinity of the received location information. For example, in the left screen of FIG. 9 , the information notification unit 160 displays the location P1 of store S1 and the location P2 of store S2 on a map. Furthermore, the information notification unit 160 displays detailed information about the stores that offer the second coupons below the map. Here, the detailed information includes, for example, the name of the store that offers the second coupons and information about the discount rates of the offered second coupons. For example, in the left screen of FIG. 9 , the information notification unit 160 displays information indicating that store S1 offers second coupons with discount rates of 20%, 10%, and 5%, and that store S2 offers second coupons with discount rates of 20%, 15%, and 10%. Furthermore, each discount rate is accompanied by a mark M1 that allows a user to check the discount rate of a product when visiting the store.

[0044] When a user finds a store S on the map that is offering the second coupon, the user actually visits the store S and searches for the product for which the second coupon has been issued. For example, as shown in the center of FIG. 9, the user visits store S1 and searches for a product with a label L affixed, indicating that the product is a product for which the second coupon has been issued. Here, the label L is affixed with, for example, a mark M2 indicating the discount rate, so the user can recognize the discount rate for the product by comparing it with the mark M1 displayed on the search screen for the second coupon.

[0045] Next, when the manager of the store S1 reads the barcode B on the label L using the first store terminal device 50, the first store terminal device 50 acquires code information from the read barcode B. After that, when the manager of the store S1 performs, for example, a store scan using the first store terminal device 50, the first store terminal device 50 transmits the acquired code information together with the user's identification information to the payment server 100. The payment processing unit 130 applies the second coupon associated with the acquired code information to the user associated with the received identification information, and performs electronic payment.

[0046] The right side of Figure 9 shows, as an example, a case in which a user receives a second coupon for 20% off and is awarded 40 yen in points for a 200 yen payment. In this case, the information management unit 140 stores the 40 yen in points in the "owned points" field of the user information 172, just as in the case of the first coupon. The payment processing unit 130 then subtracts the owned points from the payment amount at the user's next electronic payment, and subtracts the remaining amount from the charge balance or the available amount for later payment. The points awarded for using the first coupon and the points awarded for using the second coupon may be combined as "owned points" in the user information 172.

[0047] 8 described above shows an example of a second coupon that is issued when the dynamically changing index value is inventory information for a product sold by the affiliated store. As described above, the coupon generation unit 150 can also issue a second coupon when the dynamically changing index value is inventory information for a service sold by the affiliated store.

[0048] Figure 10 is a diagram showing another example of how a second coupon can be used by user terminal device 10. The screen on the left side of Figure 10 shows a screen displayed on user terminal device 10 when, for example, a user accesses a screen for searching for second coupons provided by movie theaters in an electronic payment service via payment app 20 of user terminal device 10. In this way, payment app 20 may provide a function for displaying a screen for searching for second coupons for each type of affiliated store.

[0049] The information notification unit 160 first receives location information (e.g., GPS information) from the user terminal device 10 and displays the location P of movie theaters T that are offering the second coupon in the vicinity of the received location information. For example, in the left screen of FIG. 9 , the information notification unit 160 displays the location P1 of movie theater T1 and the location P2 of movie theater T2 on a map. Furthermore, the information notification unit 160 displays detailed information about the movie theaters that are offering the second coupon below the map. Here, the detailed information includes, for example, the name of the movie theater that is offering the second coupon and information about the discount rate of the offered second coupon. For example, in the left screen of FIG. 9 , the information notification unit 160 displays information indicating that movie theater T1 is offering second coupons with discount rates of 20%, 10%, and 5%, and that movie theater T2 is offering second coupons with discount rates of 20%, 15%, and 10%. Furthermore, each discount rate is assigned a mark M1 that allows a user to check the movie discount rate when visiting the movie theater.

[0050] When a user checks on the map for a movie theater T that is offering the second coupon, the user actually visits the movie theater T and searches for the movie for which the second coupon has been issued. For example, as shown in the center of Figure 9, the user refers to the movie titles displayed on the information board of movie theater T1 to search for the movie for which the second coupon has been issued. As in the case of Figure 8, movies for which the second coupon has been issued are given a mark M2 indicating the discount rate, so the user can recognize the discount rate for the product by comparing it with the mark M1 displayed on the search screen for the second coupon.

[0051] Unlike tangible goods, it is difficult to attach a barcode label to an intangible service such as a movie. Therefore, when a second coupon is generated for an intangible service such as a movie, the payment processing unit 130 may perform electronic payment using the second coupon without using the label L. More specifically, when the manager of the movie theater T1 inputs the identification information of the movie that is the subject of the payment using the first in-store terminal device 50 at the time of payment and performs a store scan, the first in-store terminal device 50 transmits the identification information of the movie together with the user's identification information to the payment server 100. The payment processing unit 130 applies the second coupon linked to the identification information of the movie to the user linked to the received user's identification information and performs electronic payment.

[0052] 10 shows an example in which a user receives a second coupon for 20% off and is awarded 200 yen in points for a payment of 1,000 yen. In this case, the information management unit 140 stores the 200 yen worth of points in the "owned points" field of the user information 172, just as in the case of the first coupon. The payment processing unit 130 then subtracts the owned points from the payment amount first at the user's next electronic payment, and subtracts the remaining amount from the charge balance or the available amount for later payment.

[0053] In the explanation of Figures 9 and 10 above, the manager of store S or movie theater T manually performs the store scan, but the above manager's actions can be replaced by the actions of an unmanned cash register or automatic ticket vending machine.

[0054] Unlike first coupons, whose conditions are preset by the affiliated store or store administrator, the coupon generation unit 150 adjusts the products or services for which second coupons are issued and sets the discount rate of the second coupons in real time based on dynamically changing index values, such as inventory information for products or services sold by the affiliated store. In other words, second coupons are generated dynamically and unexpectedly, allowing users of electronic payment services to search for and use such unexpected second coupons from the payment app 20's home screen IM. The coupon generation unit 150 and information notification unit 160 according to this embodiment thus motivate users to frequently check information about the electronic payment service, thereby improving customer loyalty to the electronic payment service. Furthermore, since the second coupons can encourage purchases of products or services with upcoming expiration dates, the coupon generation unit 150 and information notification unit 160 according to this embodiment can improve the balance of affiliated stores that issue second coupons while encouraging users to engage in environmentally friendly purchasing behavior.

[0055] 9, the store manager prints the second coupon sent from the payment server 100 and affixes it to the corresponding product, and the user recognizes the discount rate of the second coupon by finding the mark M2 on the label L affixed to the second coupon. However, the present invention is not limited to such a configuration, and the user terminal device 10 may allow the user to recognize the discount rate of the second coupon by using the barcode B on the label L affixed to the second coupon.

[0056] FIG. 11 is a diagram illustrating an example of a method by which the user terminal device 10 displays the discount rate of the second coupon. As shown in FIG. 11, when a user launches the payment app 20 of the user terminal device 10 and photographs the barcode B on the label L, the payment app 20 reads the code information contained in the barcode B and, for example, queries the payment server 100 to identify the discount rate for the product from the code information. After identifying the discount rate for the product, the payment app 20 notifies the user of the discount rate in a format corresponding to the identified discount rate. For example, as shown in FIG. 11, the payment app 20 may set different colors for different discount rates and illuminate the photographed barcode B in the color corresponding to the identified discount rate. Alternatively, for example, the payment app 20 may display the identified discount rate as text information. This configuration allows users to enjoy the game-like element of searching for products in stores that offer second coupons with higher discount rates, further improving customer loyalty to electronic payment services.

[0057] Furthermore, in the above description, the coupon generation unit 150 acquires inventory information of the affiliated store from the information distribution server 200 and automatically sets the products or services for which the second coupon will be offered and their discount rates. However, the present invention is not limited to such a configuration, and the information distribution server 200 may transmit inventory information of the affiliated store to the second store terminal device 70 via the payment server 100, and the store manager may set the products or services for which the second coupon will be offered and their discount rates on the affiliated store interface 72 of the second store terminal device 70.

[0058] Figure 12 is a diagram showing an example of a method by which a store manager sets a second coupon on the affiliated store interface 72 of the second store terminal device 70. In Figure 12, the affiliated store interface 72 displays an area A6 that represents the affiliated store that has logged in to the affiliated store interface 72 and its account (affiliated store account or store account), an area A7 that represents a menu that can be operated via the affiliated store interface 72, and an area A8 that displays information about an item selected from the menu A7. Figure 12 shows, as an example, a screen that is displayed when a store manager logs in to the affiliated store interface 72 using a store account and selects a second coupon on the menu.

[0059] 12, for example, when an affiliated store sells food products, the second store terminal device 70 acquires information about products that are close to their expiration date (in other words, products whose expiration date is within a threshold value) from the information distribution server 200 and displays the acquired information as a table TB. In this case, the second store terminal device 70 may acquire the information directly from the information distribution server 200 or via the payment server 100. At that time, the information notification unit 160 may display, on the screen of the affiliated store interface 72, as shown in FIG. 12, suggestion information that suggests issuing a second coupon for a product that is close to its expiration date.

[0060] Next, the store manager selects the product for which the second coupon is to be issued and its discount rate from the products displayed in table TB, and presses button B3. When the store manager presses button B3, the second store terminal device 70 transmits the second coupon setting content entered by the store manager to the payment server 100, and the coupon generation unit 150 generates code information for the second coupon based on the received second coupon setting content and stores it as coupon information 178.

[0061] At the same time, the information notification unit 160 transmits the code information of the generated second coupon to the second store terminal device 70, which then prints the received code information. In this way, unlike the first coupon, which requires manual setting of a thumbnail image, promotional text, etc., the second coupon can be generated automatically by the coupon generation unit 150 or through a simple selection by the store manager. In particular, it is difficult to take the time to create coupons for products with an approaching expiration date, so this configuration can reduce the burden of coupon creation on the store manager.

[0062] While FIG. 12 illustrates an example of the interface 72 for member stores for generating a second coupon for a product, a similar interface 72 for generating a second coupon for a service can also be provided. For example, the second store terminal device 70 acquires information about movies showing at movie theaters that day and the number of available seats from the information distribution server 200, and displays the acquired information as table TB. In this case, the second store terminal device 70 may acquire only information about movies for which the number of available seats is equal to or greater than a threshold from the information distribution server 200, display it as table TB, and suggest the generation of a second coupon. The theater manager selects a movie and its discount rate for which a second coupon is to be issued from the movies displayed in table TB and presses button B3. The second store terminal device 70 then transmits the second coupon settings entered by the theater manager to the payment server 100. The coupon generation unit 150 generates code information for the second coupon based on the received second coupon settings and stores it as coupon information 178.

[0063] 12, the information notification unit 160 acquires information about products or services with an approaching expiration date from the information distribution server 200, which is an inventory management server of the affiliated store, and proposes the generation of a second coupon based on rules. In addition, the payment server 100 may acquire externally distributed information from an external information distribution server via an API (Application Programming Interface), link and record the acquired externally distributed information with changes in the purchase volume of products or services at the affiliated store, and generate a machine learning model in advance for proposing the generation of a second coupon based on the recorded information. For example, the payment server 100 acquires weather information (e.g., weather classification, temperature, humidity, etc.) via the API from the information distribution server 200 that distributes weather information, link and record the acquired weather information with changes in the purchase volume of products at the affiliated store, and generate in advance a machine learning model that outputs a predicted value of the purchase volume of products at the affiliated store based on the input of weather information. The information notification unit 160 then inputs the weather information for the day in chronological order into the generated machine learning model, and when the predicted value of the purchase volume falls below a predetermined value (for example, when a significant decrease in purchase volume is predicted due to bad weather), it displays proposal information suggesting the generation of a second coupon on the member store interface 72. Furthermore, for example, the payment server 100 acquires new product information about new products newly released by member stores via an API from the information distribution server 200, which distributes new product information, and displays proposal information suggesting the generation of a second coupon for the new product on the member store interface 72. The store operator checks the proposal information, generates and prints a second coupon on the member store interface 72, and attaches the second coupon to a product in the store. With this configuration, even in complex situations that do not fit a simple rule base regarding inventory information, the generation of a second coupon can be suggested to the store operator, thereby contributing to increased profits for the member store.

[0064] [Processing flow] Next, the flow of electronic payment using a second coupon will be described with reference to FIG. 13. FIG. 13 is a sequence diagram showing an example of the flow of electronic payment using a second coupon. First, the information distribution server 200 transmits inventory information about products to the payment server 100 (S21). Next, upon receiving the inventory information, the payment server 100 generates second coupons for products whose expiration dates are approaching and stores the second coupons as coupon information 178 (S22). Next, the payment server 100 notifies the payment app 20 and the second store terminal device 70 of information about the generated second coupons (S23). More specifically, the payment server 100 notifies the second store terminal device 70 of code information identifying the second coupon, and notifies the payment app 20 of information indicating that the second coupon has been generated by the affiliated store. In this case, the payment server 100 may send a push notification to the payment app 20, or may display information indicating that a new second coupon has been generated on the top screen IM of FIG. 7 when the user launches the payment app 20. Furthermore, for example, the payment server 100 may display information indicating that the second coupon has been generated as an advertisement on various SNSs or apps.

[0065] Next, the second store terminal device 70 prints a second coupon based on the notified code information, and the store manager attaches the printed second coupon to the product (S24). Meanwhile, after the user confirms that a new second coupon has been generated, the user visits the store that sells the product for which the second coupon was issued and makes an electronic payment for the product using the payment application 20 (S25). In response, the payment server 100 awards the user points equivalent to the discount rate of the second coupon used by the user (S26). Next, the payment application 20 displays a payment completion screen (S27). This ends the processing of this sequence diagram.

[0066] According to the present embodiment described above, the coupon generation unit 150 sets a discount rate for a discount coupon that can be used in an electronic payment service that processes payments for purchases at physical stores, generates a discount coupon with the discount rate set, the information notification unit 160 notifies the user terminal device used by the user of the generation of the discount coupon, and the coupon generation unit 150 sets the discount rate based on a dynamically changing index value related to the electronic payment service. This can improve customer loyalty to the electronic payment service.

[0067] For the sake of convenience, the above embodiment describes a case in which a first coupon, the conditions of which are set in advance by a member store or store administrator, and a second coupon, which is generated automatically by the coupon generation unit 150 or through a simple selection by the administrator, are used separately. However, the present invention is not limited to this configuration, and the payment processing unit 130 may allow a user to use both the first coupon and the second coupon. This can further improve customer loyalty to electronic payment services.

[0068] Furthermore, in the above embodiment, the coupon generation unit 150 determines the discount rate to be applied to the second coupon from among multiple candidates according to the index value (for example, the closer the product's expiration date, the higher the discount rate is set). However, the present invention is not limited to this configuration. The coupon generation unit 150 may randomly set the discount rate to be applied to the second coupon from among multiple candidates, or may randomly fluctuate the discount rate above or below the discount rate determined according to the index value. This allows users to enjoy the game-like element of searching for products in stores that offer second coupons with higher discount rates, further improving customer loyalty to the electronic payment service.

[0069] [Variation 1] In the above embodiment, the dynamic index value referenced to generate the second coupon is inventory information for products or services sold by the affiliated store. Meanwhile, as a first variation, the dynamic index value referenced to generate the second coupon may be a change in the purchase volume of products or services sold by the physical store over time. More specifically, for example, the coupon generation unit 150 may acquire information from the affiliated store's information distribution server 200 indicating the relationship between each time period (e.g., hourly) and the purchase volume of products or services sold by the physical store, and issue a second coupon that can be used during a time period with low purchase volume of products or services. In this case, the coupon generation unit 150 may set a higher discount rate for a time period with lower purchase volume. This allows users to enjoy the variability of coupons by browsing, using the payment app 20, what second coupons are issued during each time period, further improving customer loyalty to the electronic payment service.

[0070] [Variation 2] Furthermore, for example, as a second modification, the dynamic index value referenced to generate the second coupon may be a change in the purchase volume of a product or service sold by a physical store in response to a change in the weather. More specifically, for example, the coupon generation unit 150 may acquire information indicating the relationship between each weather condition and the purchase volume of a product or service sold by a physical store from the information distribution server 200 that distributes weather information (which may include, for example, information indicating weather classifications such as "sunny," "cloudy," and "rainy," as well as information such as temperature and humidity), and issue a second coupon that can be used during a time period when the purchase volume of the product or service is low. In this case, the coupon generation unit 150 may set a higher discount rate for weather conditions with lower purchase volume.

[0071] Furthermore, the coupon generation unit 150 may record the relationship between weather information and the purchase volume of each product, and issue second coupons for products with high purchase volumes according to the weather. For example, if the coupon generation unit 150 determines that the purchase volume of "hot coffee" tends to be high when it is "rainy" and the "temperature is below 10 degrees," the coupon generation unit 150 may issue a second coupon that can be used only during the weather period when these conditions are met. This allows users to enjoy the variability of coupons by using the payment app 20 to find out what second coupons are issued for each weather condition, further improving customer loyalty to the electronic payment service.

[0072] [Variation 3] Furthermore, for example, as a third modification, the dynamic index value referenced to generate the second coupon may be an index value representing the popularity of an external event that has occurred. More specifically, for example, the coupon generation unit 150 may acquire trend information from an information distribution server 200 such as an SNS (social networking service) or a news distribution site, and issue a second coupon that matches the trend information. For example, if the coupon generation unit 150 acquires a keyword related to "soccer" as trend information from an SNS, the coupon generation unit 150 may issue a second coupon for soccer-related goods. In this case, the coupon generation unit 150 may set a higher discount rate as the index value representing the popularity increases. For example, the coupon generation unit 150 may increase the discount rate of the second coupon for soccer-related goods as the number of users who mention topics related to "soccer" on an SNS increases, or as the number of views of articles related to "soccer" on a news distribution site increases. This allows users to enjoy the variability of coupons by using payment application 20 to find out what second coupons are being issued when a popular event occurs in society, further increasing customer loyalty to electronic payment services.

[0073] The dynamically changing multiple index values ​​(inventory information, purchase volume transitions over time, purchase volume transitions over weather, and popularity of external events) described in the above embodiment and Modifications 1 to 3 may be combined and used as reference information for generating a second coupon. In this case, the coupon generation unit 150 may learn the relationship between these multiple index values, the discount rate of the second coupon, and the purchase volume of each product through machine learning, set the discount rate of the second coupon so as to maximize the purchase volume of each product, and issue the second coupon.

[0074] [Variation 4] Furthermore, in the above embodiment, as an example, a case where a store scan is used to make an electronic payment using a second coupon has been described. On the other hand, as a fourth modification, a user scan according to a second pattern (hereinafter referred to as a second user scan) may be used to make an electronic payment using a second coupon. Details of the second user scan will be described below.

[0075] [Payment app display screen] Fig. 14 is a diagram showing an example of a store code reading screen 300 of the payment app 20 according to Modification 4. When the payment app 20 is launched on the user terminal device 10 and the user selects (tap) an icon corresponding to the second user scan on the home screen of the payment app 20, the store code reading screen 300 shown in Fig. 14 is displayed on the display unit of the user terminal device 10.

[0076] As shown in Figure 14, the user terminal device 10 reads and decodes the store code image 60 using an optical reading function. This allows the user terminal device 10 to obtain a store URL that includes information that can identify the store and is attached to the domain of the electronic payment service. The user terminal device 10 transmits first payment information including the store URL and account ID to the payment server 100. The payment server 100 transmits the affiliated store ID, affiliated store name, and store name corresponding to the store URL to the user terminal device 10.

[0077] In this way, the control unit 240 of the user terminal device 10 reads the store code image (first code information) 60 installed in the store using the camera mounted on the user terminal device 10, decodes the read store code image 60, and obtains the affiliated store ID from the payment server 100 based on the store URL obtained by decoding. This allows the user terminal device 10 to identify the affiliated store where the user is going to purchase a product.

[0078] Fig. 15 is a diagram showing an example of a product code reading screen 310 of the payment application 20 according to Modification 4. When the store code image 60 is read on the store code reading screen 300 of Fig. 14, the product code reading screen 310 shown in Fig. 15 is displayed on the display unit 220 of the user terminal device 10.

[0079] The product code reading screen 310 includes a reading area 311, a shopping cart button 312, and a payment button 313. The reading area 311 is an area that is read by the camera of the user terminal device 10. A barcode encoding the product ID is attached to the product. When the user places the product in the reading area 311 so that the product barcode is visible, the product barcode is read and decoded by the optical reading function of the user terminal device 10.

[0080] In this way, the control unit 240 of the user terminal device 10 reads the barcode (second code information) attached to the product using the camera mounted on the user terminal device 10, and decodes the read barcode. This allows the user terminal device 10 to obtain a product ID for identifying the product.

[0081] The user terminal device 10 transmits the affiliated store ID and product ID to the payment server 100. The payment server 100 transmits product information corresponding to the affiliated store ID and product ID received from the user terminal device 10 to the user terminal device 10. At this time, the payment server 100 determines whether the product indicated by the product ID is eligible for the application of the second coupon by referring to the coupon information 178, and if the product is eligible for the application of the second coupon, it also transmits the discount rate of the second coupon for the product to the user terminal device 10. When the user terminal device 10 receives the discount rate of the second coupon from the payment server 100, it displays the discount rate of the second coupon for the product in the lower part of the reading area 311, for example.

[0082] The user terminal device 10 adds products to the shopping cart based on the information received from the payment server 100. The shopping cart is a function for temporarily storing products to be purchased. The shopping cart button 312 is a button for displaying detailed information about the products added to the shopping cart on the display unit 220. The payment button 313 is a button for displaying a payment screen 330, which will be described below, on the display unit 220.

[0083] Fig. 16 is a diagram showing an example of payment screen 330 of payment application 20. When the user selects (tap) payment button 313 shown in Fig. 15, payment screen 330 shown in Fig. 16 is displayed on display unit 220 of user terminal device 10.

[0084] The payment screen 330 includes information on products to be purchased 331, information on points to be earned 332, a total amount 333, a payment completion button 334, and a back button 335. The information on products to be purchased 331 is information showing information on the products to be purchased (product name, price). The information on points to be earned 332 is information on points to be earned by applying the second coupon for this purchase. The total amount 333 indicates the total price of the products to be purchased, which is the amount to be paid by the user.

[0085] The payment completion button 334 is a button for instructing payment of the amount shown in the total amount 333. When the user selects (tap) the payment completion button 334, the user terminal device 10 transmits payment information including the payment amount to the payment server 100. The payment server 100 performs electronic payment based on the payment information received from the user terminal device 10. With the configuration of the fourth variation described above, electronic payment using the second coupon can be implemented in the user scan.

[0086] The above describes the form for carrying out the present invention using an embodiment, but the present invention is not limited to such an embodiment, and various modifications and substitutions can be made within the scope that does not deviate from the gist of the present invention. [Explanation of symbols]

[0087] 10 User terminal device 20. Payment App 100 Payment Server 110 Communications Department 120 Payment Contents Department 130 Payment processing unit 140 Information Management Department 150 Coupon Generation Unit 160 Information Notification Department 170 Storage section

Claims

1. a generating unit that sets a discount rate for a discount coupon that can be used in an electronic payment service that processes payments related to purchases at a physical store for each product or service sold by the physical store, and generates a discount coupon with the set discount rate; a notification unit that notifies a user terminal device used by the user of the generation of the discount coupon; the generation unit sets the discount rate based on a dynamically changing index value related to the electronic payment service; The notification unit notifies the user terminal device of the generation of the discount coupon without disclosing the set discount rate for each of the goods or services. Information processing device.

2. a generating unit that sets a discount rate for a discount coupon that can be used in an electronic payment service that processes payments related to purchases at a physical store for each product or service sold by the physical store, and generates a discount coupon with the set discount rate; a notification unit that notifies a user terminal device used by the user of the generation of the discount coupon; the generation unit sets the discount rate based on a dynamically changing index value related to the electronic payment service; the notification unit notifies the user terminal device of the generation of the discount coupon without disclosing the product or service for which the discount rate is set. Information processing device.

3. the dynamically changing index value represents inventory information of goods or services sold by the physical store; The generation unit sets the discount rate based on the inventory information.

3. The information processing device according to claim 1 or 2.

4. the notification unit notifies a store terminal device of the physical store of information for printing a discount code including information about the discount rate set for the item; The information processing device further includes a payment processing unit that processes payment by applying the discount coupon to the item, to which the discount rate is set, in response to the store terminal device reading the printed discount code, the notification unit notifies the store terminal device of information for printing a discount code that is displayed differently depending on the discount rate and that is to be affixed to each of the items displayed in the physical store; The information processing device according to claim 3 .

5. the notification unit notifies the store terminal device of information for printing a discount code with a different display depending on the discount rate; The information processing device according to claim 4 .

6. The dynamically changing index value represents a change in the purchase volume of goods or services sold by the physical store over time, the generation unit sets the discount rate based on the purchase amount corresponding to the time period.

3. The information processing device according to claim 1 or 2.

7. The dynamically changing index value represents a change in the purchase volume of goods or services sold by the physical store in response to a change in weather, the generation unit sets the discount rate based on the purchase amount corresponding to the weather.

3. The information processing device according to claim 1 or 2.

8. the dynamically changing index value is an index value representing the popularity of an external event that has occurred; The generation unit sets the discount rate based on the index value.

3. The information processing device according to claim 1 or 2.

9. The computer a discount rate for a discount coupon that can be used in an electronic payment service that processes payments for purchases at a physical store is set for each product or service sold by the physical store, and a discount coupon with the set discount rate is generated; notifying a user terminal device used by the user of the generation of the discount coupon; the generating step includes setting the discount rate based on a dynamically changing index value associated with the electronic payment service; The notification includes notifying the user terminal device of the generation of the discount coupon without disclosing the set discount rate for each of the goods or services. Information processing methods.

10. On the computer, A discount rate for a discount coupon that can be used in an electronic payment service that processes payments for purchases at a physical store is set for each product or service sold by the physical store, and a discount coupon with the set discount rate is generated; notifying a user terminal device used by the user of the generation of the discount coupon; the generating step includes setting the discount rate based on a dynamically changing index value associated with the electronic payment service; The notification includes notifying the user terminal device of the generation of the discount coupon without disclosing the set discount rate for each of the goods or services. program.

11. The computer a discount rate for a discount coupon that can be used in an electronic payment service that processes payments for purchases at a physical store is set for each product or service sold by the physical store, and a discount coupon with the set discount rate is generated; notifying a user terminal device used by the user of the generation of the discount coupon; the generating step includes setting the discount rate based on a dynamically changing index value associated with the electronic payment service; The notification includes notifying the user terminal device of the generation of the discount coupon without disclosing the product or service for which the discount rate is set. Information processing methods.

12. On the computer, A discount rate for a discount coupon that can be used in an electronic payment service that processes payments for purchases at a physical store is set for each product or service sold by the physical store, and a discount coupon with the set discount rate is generated; notifying a user terminal device used by the user of the generation of the discount coupon; the generating step includes setting the discount rate based on a dynamically changing index value associated with the electronic payment service; The notification includes notifying the user terminal device of the generation of the discount coupon without disclosing the product or service for which the discount rate is set. program.

Images