Information processing device, information processing method and program

Abstract

To improve convenience for a user by providing privileges taking individual settlement means into consideration to increase a variation of the privileges.SOLUTION: There is provided an information processing device that comprises: a settlement information acquisition part which processes settlements related to purchases at a store and acquires settlement information on settlement services including a plurality of settlement means; and a privilege imparting part which imparts privileges usable at stores affiliated for the settlement services to a user's terminal device linked to the settlement information based upon the settlement information, wherein the privilege imparting part imparts the privileges to the user of the terminal device when a user's settlement using one of the plurality of settlement means corresponds to specific settlement means specified for the respective privileges.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 is known a technique for providing a reward to a terminal device of a user who uses an electronic payment service. For example, Patent Document 1 discloses a technique for transmitting a coupon equivalent to an amount according to the user's use of an SNS service to the terminal device of the user. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] JP 2009-169977 A Summary of the Invention [Problem to be solved by the invention]

[0004] However, conventional technologies do not provide benefits that take into consideration each of the multiple payment methods offered by an electronic payment service, and as a result, the variety of benefits offered by electronic payment services is limited, which can be inconvenient for users.

[0005] The present invention has been made in consideration of the above circumstances, and one of its objectives is to provide an information processing device, an information processing method, and a program that can increase the variety of benefits and improve convenience for users by providing benefits that take into account each payment method. [Means for solving the problem]

[0006] One aspect of the present invention is an information processing device that includes a payment information acquisition unit that processes payments for purchases at a store and acquires payment information for a payment service that includes multiple payment methods, and a bonus granting unit that grants a bonus that can be used at stores affiliated with the payment service to a terminal device of a user linked to the payment information based on the payment information, wherein the bonus granting unit grants the bonus to a user of the terminal device when a payment made by the user using any of the multiple payment methods corresponds to a specific payment method specified for each of the bonuses. Effect of the Invention

[0007] According to one aspect of the present invention, it is possible to provide an information processing device, an information processing method, and a program that can increase the variety of benefits by providing benefits that take into account individual payment methods, thereby improving convenience for users. [Brief description of the drawings]

[0008] [Figure 1] FIG. 2 is a diagram showing an example of a configuration for realizing a payment service according to the first embodiment. [Diagram 2] This is a sequence diagram (part 1) illustrating the general flow of electronic payment. [Diagram 3] This is a sequence diagram (part 2) illustrating the general flow of electronic payment. [Figure 4] FIG. 2 is a sequence diagram illustrating an example of an outline of a credit card payment process according to the first embodiment. [Diagram 5] FIG. 1 is a configuration diagram of an electronic payment server 100 according to a first embodiment. [Figure 6] FIG. 13 is a diagram showing an example of the contents of user information 172. [Figure 7] FIG. 13 is a diagram showing an example of the contents of affiliated store / store information 176. [Figure 8] FIG. 13 is a diagram showing an example of a top screen IM of a payment application 20. [Figure 9] FIG. 1 is a diagram showing an example of a method for using a coupon by a user terminal device 10. [Figure 10] 13 is a diagram showing an example of the contents of ID correspondence information 178. FIG. [Figure 11] FIG. 13 is a diagram showing an example of the contents of coupon information 180. [Figure 12] FIG. 11 is a diagram for explaining the flow of a coupon application process executed when the user's payment method is credit card payment in the first embodiment. [Figure 13] 13 is a diagram showing an example of notification information notified by payment application 20. FIG. [Figure 14] 10 is a flowchart showing an example of the flow of processing performed by the electronic payment server 100 in the first embodiment when the user's payment method is credit card payment. [Figure 15] FIG. 11 is a diagram showing an example of a configuration for realizing a payment service according to a second embodiment. [Figure 16] FIG. 11 is a diagram for explaining the flow of a coupon application process executed when the user's payment method is credit card payment in the second embodiment. [Figure 17] 13 is a flowchart showing an example of the flow of processes performed by the electronic payment server 100A in the second embodiment when the payment method of the user is credit card payment. [Figure 18] FIG. 13 is a diagram showing an example of a configuration for realizing a payment service according to a third embodiment. [Figure 19] FIG. 13 is a diagram showing an example of the contents of ID correspondence information 178 according to the third embodiment. [Figure 20] FIG. 13 is a diagram illustrating the flow of a coupon application process executed when the user's payment method is the second electronic payment service in the third embodiment. [Figure 21] 13 is a flowchart showing an example of the flow of processes of the electronic payment server 100B executed when the payment method of the user is the second electronic payment in the third embodiment. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0009] Hereinafter, with reference to the drawings, an embodiment 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 an electronic payment server work together to provide an electronic payment service. In the following description, the application program is referred to as a payment application. An electronic payment service is a service that supports payments related to 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 of electronic commerce. A virtual store may also include a store provided by an entity other than the operator of the electronic payment service. In that case, when making a payment for shopping at a virtual store, the screen is controlled to transition to an interface screen of 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 mainly performed between a user and an affiliated store. Alternatively, processing such as payment may be performed between a user and a store. Furthermore, in the following description, an electronic payment service and an external payment service (such as a credit card payment service) are collectively referred to as a "payment service."

[0010] [First embodiment] [Payment service] FIG. 1 is a diagram showing an example of a configuration for realizing a payment service according to the first embodiment. The payment service is realized mainly by an electronic payment server 100 and a credit payment server 200. The electronic 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 the credit payment server 200 via a network NW. Furthermore, the credit payment server 200 communicates with one or more third store terminal devices 80 via the network NW. The network NW includes, for example, the Internet, a LAN (Local Area Network), a wireless base station, a provider device, and the like.

[0011] The user terminal device 10 is, for example, a portable terminal device such as a smartphone or a tablet terminal. The user terminal device 10 is a computer device having at least an optical reading function, a communication function, a display function, an input 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 application 20, thereby operating to provide an electronic payment service to a user in cooperation with an electronic payment server 100. The payment application 20 is installed in 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, a tablet terminal, a personal computer, or the like. An interface 72 for affiliated stores runs on the second store terminal device 70. The interface 72 for affiliated stores may be an app for affiliated stores or a browser. The interface 72 for affiliated stores accepts coupon settings and the like by the operator of the affiliated store and transmits them to the electronic payment server 100. The second store terminal device 70, which is a smartphone, has the function of displaying a code image equivalent to a store code image and reading a code image displayed by the user terminal device 10 by executing the app for affiliated stores.

[0014] The electronic 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 electronic payment server 100. In the following explanation, no distinction is made between these two 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 of 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 activated decodes the store code image 60 by the optical reading function (S1). The store code image 60 includes store URL (Uniform Resource Locator) information. This store URL is an electronic payment service domain to which information capable of identifying a store is added, and is associated with an affiliated store ID, a store ID, etc. in the electronic payment server 100 (described later). The payment application 20 transmits first payment information including the store URL and an account ID to the electronic payment server 100 (S2). The electronic payment server 100 searches for store information (described later) from the affiliated store ID and store ID corresponding to the store URL, acquires information on the affiliated store name and the store name (S3), and transmits it to the payment application 20 (S4). The user inputs the payment amount into the user terminal device 10 on the screen on which the affiliated store name and the store name are displayed (S5). Then, the user terminal device 10 generates second payment information including at least the payment amount, and transmits it to the electronic payment server 100 (S6). The electronic payment server 100 performs electronic payment based on the received second payment information (S7). The electronic payment server 100 then transmits a payment completion notice (information for displaying a payment completion screen) to the payment application 20 (S8), and the payment application 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 not only the store URL but also information on the payment amount. In this case, the procedure in which the user inputs the payment amount is omitted, and the information on the payment amount is included in the first payment information and transmitted to the electronic payment server 100. Information on the affiliated store name and store name may be included in the payment completion screen and displayed.

[0017] In the case of pattern 2 (hereinafter referred to as store scan) shown in FIG. 3, when the payment application 20 is started, when a payment operation is performed in the payment application 20, when an automatic update timing (e.g., every minute) occurs, and at other timings, the payment application 20 transmits a request for issuing a one-time code to the electronic payment server 100 (S11). The electronic payment server 100 generates a one-time code (S12) and transmits it to the payment application 20 (S13). The payment application 20 displays a code image such as a QR code or a 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 store terminal device 50, and the first store terminal device 50 decodes the code image by an optical reading function and obtains the one-time code, etc. (S15). The first store terminal device 50 then generates payment information including the one-time code, payment amount, affiliated store ID, store ID, etc., and transmits it to the electronic payment server 100 (S16). The payment amount information is acquired in advance by reading a barcode or manually entering it. The electronic payment server 100 identifies the user corresponding to the one-time code based on the received information and performs electronic payment (S17). The electronic payment server 100 then transmits 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, issuance of a one-time code may be omitted in the store scan, and the payment application 20 may display a code image generated based on the user's account ID. In this case, the electronic payment server 100 identifies the user corresponding to the account ID instead of identifying the user corresponding to the one-time code.

[0019] The third store terminal device 80 is, for example, a credit card payment terminal installed in a credit card affiliated store. Here, the credit card may be, for example, a physical card made of plastic or the like that has a credit card payment function implemented therein, or a terminal device such as a smartphone that has a credit card payment function implemented as a digital card. The third store terminal device 80 includes a card information reading unit that reads card information (for example, card identification information such as a credit card number) recorded on a credit card, an operation input unit such as a numeric keypad, and a display unit such as a liquid crystal display. The card information reading unit can read the card information, for example, by a store clerk at the affiliated store touching and sliding the credit card over the magnetic head of the card information reading unit. As another configuration, the card information reading unit can be configured as a reading unit that reads card information from an IC chip built into the credit card in a non-contact manner. The store clerk at the affiliated store operates the operation input unit to input the payment amount, the card information reading unit reads the card information, and the user operates the operation input unit to input the PIN number and presses the confirmation button, thereby executing the credit card payment. As yet another configuration, the second store terminal device 70 may have an NFC (near field communication) function and function as a third store terminal device 80 by performing contactless payment with a credit card held by the user. The third store terminal device 80 transmits to the credit payment server 200 credit payment information including at least the read card information, ID information identifying the payment store where the credit card payment was performed (hereinafter, sometimes referred to as "credit payment store ID"), and the input payment amount.

[0020] The credit settlement server 200 realizes credit card settlement based on the credit settlement information received from the third store terminal device 80. The credit settlement server 200 functions as an acquirer in a general credit card settlement flow, and executes credit card settlement in cooperation with a subsequent issuer that issues a credit card and a brand. When the credit settlement server 200 executes the credit card settlement, it transmits a settlement completion notice to the third store terminal device 80 and also transmits credit settlement information to the electronic settlement server 100. Thus, in the first embodiment, the credit settlement server 200 that processes credit card settlement and the electronic settlement server 100 that processes electronic settlement are provided as separate components. The credit settlement server 200 may be operated by the same organization as the electronic settlement service that operates the electronic settlement server 100, or may be operated by a different organization.

[0021] FIG. 4 is a sequence diagram illustrating an example of a general flow of credit card payment according to the first embodiment. In the case of credit card payment shown in FIG. 4, first, the third store terminal device 80 accepts input of the payment amount via the operation input unit and reads the user's credit card via the card information reading unit (S21). Next, the third store terminal device 80 transmits credit card payment information including at least the credit card number, the credit card payment store ID, and the payment amount to the credit card payment server 200 (S22). Next, when the credit card payment server 200 accepts the credit card payment information, it executes the credit card payment in cooperation with the acquirer's subsequent issuer and brand (S23). Next, the credit card payment server 200 transmits a payment completion notice of the credit card payment to the third store terminal device 80 (S24). At the same time, the credit card payment server 200 transmits the credit card payment information to the electronic payment server 100 (S25). The electronic payment server 100 executes a coupon application process (to be described later) based on the received credit card payment information (S26). In the sequence diagram of FIG. 4, the process of S24 and the processes of S25 and S26 may be executed in the reverse order, or may be executed simultaneously.

[0022] [Electronic payment server] FIG. 5 is a configuration diagram of the electronic payment server 100 according to the first embodiment. The electronic 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, 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 cooperation between software and hardware. The program may be stored in advance in a storage device such as an HDD (Hard Disk Drive) or a flash memory (a storage device having a non-transient storage medium), or may be stored in a removable storage medium such as a DVD or a CD-ROM (a non-transient storage medium), and may be installed in the storage device by mounting the storage medium in a drive device.

[0023] The storage unit 170 is a HDD, a flash memory, a RAM (Random Access Memory), etc. The storage unit 170 may be a NAS (Network Attached Storage) device that the electronic 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, ID correspondence information 178, and coupon information 180.

[0024] The communication unit 110 is a communication interface for connecting to the network NW. The communication unit 110 is, for example, a network interface card.

[0025] 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 by the user while the content is being played by the payment application 20, and transmits the above-mentioned payment information and the like to the electronic payment server 100.

[0026] 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.

[0027] FIG. 6 is a diagram showing an example of the contents of the user information 172. The user information 172 is an example of the registration information of a user. The user information 172 is, for example, a user URL, an account ID, a telephone number, a password, as well as information associated with an email address, a user ID, a name, an address, a date of birth, a registration date, a charge balance, a deferred payment setting, a deferred payment limit, a deferred payment usage amount, a deferred payment available amount, a payment method setting, a bank account, a credit card number, charge history information, payment history information, follow affiliated stores, acquired coupons, and owned points. The user URL is used for a remittance process between users. When registering for the electronic payment service, it is necessary to register a telephone number and a password. The account ID is issued to the user by the electronic payment server 100, and the user ID is an ID that can be set by the user at will (does not have to be set). Similarly, the email address, and the name, address, and date of birth are information that can be set by the user at will (does 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.

[0028] The charge balance is information indicating the balance of electronic money that is set by a user by transferring money to an account in advance. The means of transfer include transfer from an ATM (Automatic Teller Machine) of a designated company (bank) and transfer from a registered bank account. The deferred payment setting is information indicating whether or not the setting for enabling electronic payment by deferred payment has been completed, and is set to either "completed" or "not completed." The deferred payment limit is the limit of deferred payment that can be used each month, the deferred payment usage amount is the amount of deferred payment that has already been used in the current month, and the deferred payment available amount is the amount of deferred payment that can be used in the current month, which is calculated by subtracting the deferred payment usage amount from the deferred payment limit. Although only one deferred payment limit is shown in the figure, in reality, there is also a daily upper limit, and the lower of these may be set as the deferred payment limit. Further details of deferred payment will be described later. The payment method setting is setting information indicating whether the user will perform electronic payment using the charge balance or payment by deferred payment at that time. The bank account and credit card number are information on the bank account or credit card number (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 details 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 affiliated stores, acquired coupons, and held points will be described later.

[0029] 7 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 name and sales amount (described above) are associated with an affiliated store ID, 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 location of the store, and payment patterns.

[0030] The information management unit 140 manages user information 172 and 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, and deletes the user information 172 and affiliated store / store information 176.

[0031] [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 refers to the user information 172 to acquire the "payment method setting" of the user. For a user 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. The item value of the affiliated store's sales is not used as electronic money itself, for example, and an amount corresponding to the item value of the sales is transferred to a bank account in a cycle according to an agreement between the affiliated store and the electronic payment service.

[0032] The payment processing unit 130 performs electronic payment for users whose "setting information" is set to "deferred payment" as follows. Deferred payment is set separately from "credit payment" in cooperation with a credit card company, which is a separate entity from the operator of the electronic payment service, and the operator of the electronic payment service acts as a creditor and allows electronic payment that is not dependent on the charge balance within the deferred payment limit. In order to receive the deferred payment service, a credit card provided by the operator of the electronic payment service may be required. The amount used for deferred payment is settled on the payment date of the following month, for example, by debiting from a bank account, for one month. In this case, the payment processing unit 130 performs provisional payment by adding the payment amount to the deferred payment amount and subtracting the same amount from the available deferred payment amount, and when the closing date comes, it performs processing to debit the payment for the current month on the payment date of the following month as described above, or requests the operator of the credit card company to perform such processing. In addition, if the payment amount exceeds the available deferred payment amount at the time of provisional payment, an error notification is returned to the payment application 20.

[0033] [Top page] FIG. 8 is a diagram showing an example of the top screen IM of the payment application 20. The top screen IM displays a code image CD. The code image CD includes, for example, a barcode and a QR code. In addition, together with the code image CD, text (in the figure, "Pay with balance") is displayed indicating whether to perform electronic payment using the charge balance or to perform electronic payment by deferred payment. This text is drawn by the payment application 20 based on information updated by the payment application 20 every time the changeover switch SW is operated. The top screen IM also includes an operation area CA including the changeover switch SW, and a transition button TB. This will be described later. Note that the "switch" and "button" are GUIs (Graphical User Interfaces) realized in cooperation with a touch panel. The changeover switch SW accepts an operation to switch between performing electronic payment using the charge balance or to perform electronic payment by deferred payment. The changeover switch SW is set to perform electronic payment using the charge balance by default, and every time the changeover switch SW is operated by the user, the setting is switched between performing electronic payment using the charge balance and performing electronic payment by deferred payment. In the figure, the explanation "Postpaid" is displayed, which means that the setting is for postpaid electronic payment. The operation area CA has buttons for instructing the main operations in electronic payment, such as a button for scanning (starting a user scan) and a button for charging. When the transition button TB is operated, the screen transitions to a payment screen that displays the code image used for electronic payment and the available balance.

[0034] [Use coupon] Fig. 9 is a diagram showing an example of how a coupon can be used by the user terminal device 10. The screen on the left side of Fig. 9 represents a screen displayed on the user terminal device 10 when, for example, the user accesses a dedicated page of a member store of 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 showing the coupon CP on the top screen IM of Fig. 7 and searches for a store that offers the coupon.

[0035] The affiliated store page includes, for example, an area A1 in which overview information of the affiliated store is displayed, a button B1 for following the affiliated store, and an area A2 in which detailed information of the affiliated store is displayed in a switchable manner using tabs. When the user presses the follow button B1, the payment application 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 electronic payment server 100, and the information management unit 140 stores the affiliated store's identification information (e.g., affiliated store ID) in "followed affiliated store" of the user information 172. As a result, for example, every time the affiliated store updates the content of the affiliated store page, the electronic payment server 100 notifies the user via the payment application 20 that the content of the affiliated store page has been updated.

[0036] 8, for example, when the user taps on "Coupon," a tab included in area A2, coupons that the user can currently use for electronic payment at the store are displayed. When the user, for example, follows an affiliated store and presses button B2 for acquiring a coupon, the payment application 20 transmits information indicating that the Acquire button B2 has been pressed together with the user's identification information (e.g., account ID) to the electronic payment server 100, and the information management unit 140 stores the identification information of the coupon acquired by the user in "Acquired coupon" of the user information 172.

[0037] After the user acquires a coupon, when the user terminal device 10 executes an electronic payment, the payment processing unit 130 judges whether the electronic payment matches the use conditions of the coupon acquired by the user, and if it is judged that the electronic payment matches the use conditions of the coupon, the payment processing unit 130 grants the user a benefit according to the coupon content. For example, in the case of FIG. 9, the payment processing unit 130 judges whether the user's payment means corresponds to postpaid payment or credit card payment, and whether the payment amount is 300 yen or more, and if it is judged that the use conditions are met, it grants points equivalent to 5% of the payment amount. For example, when the user performs an electronic payment of 300 yen or more in the setting shown in FIG. 8 (i.e., the setting for performing electronic payment by postpaid payment), the payment processing unit 130 judges that the payment satisfies the use conditions of the coupon, and grants points equivalent to 5% of the payment amount. The method of judgment when the user's payment means is credit card payment will be described later.

[0038] Thereafter, the payment application 20 displays, as a payment completion screen, an area A3 displaying the payment store, an area A4 displaying the payment amount, and an area A5 displaying the granted benefit. The right part of FIG. 8 shows, as an example, a case where 25 yen points are granted for a payment of 500 yen in response to the user acquiring a 5% off coupon. In this case, the information management unit 140 stores the 25 yen worth of points in the "owned points" of the user information 172, and the payment processing unit 130 preferentially subtracts the owned points from the payment amount in the user's next electronic payment, and subtracts the remaining amount from the charge balance or the available amount for later payment. In another embodiment, the coupon may be subtracted directly from the payment amount on the day without being added as points available for payment.

[0039] FIG. 10 is a diagram showing an example of the contents of the ID correspondence information 178. The ID correspondence information 178 is information in which, for example, a credit payment store ID, an affiliated store ID, and a store ID are associated. The credit payment store ID is ID information that identifies the store where the credit card payment was made, and the credit payment store ID is given to each store in advance by either the acquirer, issuer, or brand of the credit card. That is, the ID correspondence information 178 links the store (store ID) of the affiliated store (affiliated store ID) that is affiliated with the electronic payment service, which corresponds to the credit payment store (credit payment store ID) where the credit card payment was made. As a result, for example, when the electronic payment server 100 receives the credit payment store ID in S26 of the sequence diagram in FIG. 4, it is possible to identify the store of the affiliated store that is affiliated with the electronic payment service by referring to the ID correspondence information 178 using the received credit payment store ID as a key. The ID correspondence information 178 is an example of "mapping information" in the claims.

[0040] FIG. 11 is a diagram showing an example of the contents of the coupon information 180. The coupon information 180 is information in which, for example, a coupon ID, a member store ID, a store ID, a target payment means, a benefit content, a use condition, an expiration date, and other information are associated with each other. The target payment means is information that specifies the payment means to which the coupon corresponding to the coupon ID is applied. For example, if the target payment means is specified as "post-payment, credit card", the coupon is applied only when a post-payment settlement or a credit card settlement is executed at a store specified by a store ID of a member store specified by a member store ID. The benefit content is information that indicates the content of the benefit provided by the coupon corresponding to the coupon ID. For example, in the case of FIG. 11, the coupons indicated by the coupon IDs "0001" and "0002" are issued by the same store, but when the target payment means is "post-payment, credit card", a 5% refund is given, whereas when the target payment means is "balance payment", a 5% refund is given.

[0041] The usage conditions are information indicating conditions for enabling the use of a coupon corresponding to a coupon ID. In FIG. 11, a condition related to a payment amount is shown as an example of a usage condition, but any usage condition such as gender, age, time period, or product may be set. The expiration date is information indicating a usage deadline for a coupon corresponding to a coupon ID. In addition to this, or alternatively, the coupon information 180 may store an acquisition deadline for acquiring a coupon from a dedicated page of an affiliated store shown in FIG. 9. The conditions such as the target payment means, the benefit content, the usage conditions, and the expiration date can be set by the operator of each affiliated store of the electronic payment service, for example, via the affiliated store interface 72 of the second store terminal device 70.

[0042] In addition, at least some of the conditions of the coupon information 180, such as the target payment means, the benefit content, the terms of use, and the expiration date, may be set by the operator of the electronic payment service (electronic payment server 100). For example, the electronic payment server 100 may restrict the target payment means of the coupon information 180 on the member store interface 72 so that each member store can select only at least one of "deferred payment" and "credit card payment". In addition, for example, when the operator of each member store of the electronic payment service selects "charge balance" as the target payment means on the member store interface 72 of the second store terminal device 70, the electronic payment server 100 may display suggested information on the member store interface 72 so that the target payment means is limited to at least one of "deferred payment" and "credit card payment" in exchange for the operator of the electronic payment service bearing part of the funds for the benefit related to the benefit content. This makes it possible to increase the variety of benefits by providing benefits that take into account individual payment means.

[0043] 11, one coupon is set for a combination of an affiliated store ID and a store ID, but if a coupon that can be used at multiple affiliated stores is issued, multiple ID information may be stored in the "store ID" of coupon information 180. Also, if a coupon that can be used at all affiliated stores is issued, an identifier (such as a hyphen) indicating that the coupon can be used at all affiliated stores may be stored in the "store ID" of coupon information 180.

[0044] FIG. 12 is a diagram for explaining the flow of the coupon application process executed when the user's payment method is credit card payment in the first embodiment. First, the user accesses the dedicated page of the affiliated store of the electronic payment service via the payment application 20 of the user terminal device 10 and acquires a coupon. At this time, the electronic payment server 100 stores the coupon ID of the coupon acquired by the user in the "acquired coupon" of the user information 172. Next, the user visits the store and executes a credit card payment via the third store terminal device 80 as a payment method. The third store terminal device 80 transmits a credit card payment request including at least the credit card number, the credit card payment store ID, and the payment amount to the credit card payment server 200.

[0045] When the credit settlement server 200 accepts the credit settlement request, it executes the credit card settlement in cooperation with the acquirer's subsequent issuers and brands. Next, the credit settlement server 200 transmits credit settlement information including at least the credit card number, the credit settlement store ID, and the settlement amount to the electronic settlement server 100. The settlement processing unit 130 of the electronic settlement server 100 executes the coupon application process based on the received credit settlement information.

[0046] More specifically, the payment processing unit 130 uses the credit card number included in the credit card payment information as a key, and refers to the user information 172 to identify the user (account ID) who made the credit card payment. Furthermore, the payment processing unit 130 uses the credit card payment store ID included in the credit card payment information as a key, and refers to the ID correspondence information 178 to identify the affiliated store ID and store ID where the credit card payment was made. Next, the payment processing unit 130 uses the identified affiliated store ID and store ID as a key, and refers to the coupon information 180 to determine whether or not a coupon corresponding to the affiliated store ID and store ID has been issued. Next, if a coupon corresponding to the affiliated store ID and store ID has been issued, the payment processing unit 130 determines whether or not the credit card payment made by the user meets the application conditions of the coupon. More specifically, the payment processing unit 130 determines whether or not the "target payment means" of the coupon includes credit card payment, and determines whether or not the credit card payment meets the "use conditions" of the coupon based on the payment amount included in the credit card payment information, etc. If it is determined that the credit card payment made by the user satisfies the conditions for applying the coupon, the payment processing unit 130 grants the user a benefit according to the "benefit content" of the coupon. In other words, the payment processing unit 130 functions as a "benefit granting unit" in the claims.

[0047] If the user's payment method is not credit card payment, in other words, if the user's payment method is any of deferred payment, balance payment, and point payment, the electronic payment server 100 can provide the user with a benefit according to the payment method by referring to the coupon information 180 without communicating with the credit payment server 200. More specifically, when the user uses the payment application 20 to select one of these payment methods and execute an electronic payment, the payment application 20 transmits information indicating the selected payment method to the electronic payment server 100. When the payment processing unit 130 receives the information indicating the selected payment method, it refers to the coupon information 180 and determines whether the user has acquired a coupon including the selected payment method in the "target payment method" and whether the executed electronic payment satisfies the "use conditions". When it is determined that the user has acquired a coupon including the selected payment method in the "target payment method" and the executed electronic payment satisfies the "use conditions", the payment processing unit 130 provides the user with a benefit according to the "benefit content" of the coupon.

[0048] Thus, according to the first embodiment, in a situation where a user is a user of both an electronic payment service and a credit card, and has previously acquired a coupon via the payment application 20 of the electronic payment service, if the payment means eligible for the coupon include credit card payment, the user can receive the benefit of the coupon by making a credit card payment. As a result, compared to the conventional technology in which, for example, a user could not receive a benefit when a store affiliated with both an electronic payment service and a credit card payment service accepts only credit card payments, in the first embodiment, the user can receive the benefit of the coupon by making a credit card payment. In other words, according to the first embodiment, the variety of benefits can be increased by providing benefits that take into account each payment means, thereby improving convenience for users.

[0049] In addition, if restrictions on eligible payment methods and usage conditions are increased for a coupon, the user may forget the conditions for using the coupon and may not be able to use it effectively. Therefore, the payment application 20 may cooperate with the electronic payment server 100 to cause the user terminal device 10 to display notification information for the user to use the coupon effectively.

[0050] FIG. 13 is a diagram showing an example of notification information notified by the payment application 20. FIG. 13 shows, as an example, a scene where a user performs the user scan shown in FIG. 2 at a store that has an affiliated store. At this time, it is assumed that the user has already acquired a coupon that can be used only for credit card payments at the store. The payment application 20 first reads the store code image 60, decodes the read store code image 60 to obtain a store URL, and transmits the obtained store URL together with the user's account ID to the electronic payment server 100. When the electronic payment server 100 receives the store URL and the account ID, the payment processing unit 130 identifies a user linked to the received account ID and identifies a store linked to the received store URL. The payment processing unit 130 then determines whether or not there is a coupon for a payment means other than the current payment means set by the identified user among the coupons provided by the identified store.

[0051] For example, if a user sets the charge balance as a payment method, but the store offers coupons for which the target payment method is postpaid or credit card payment, the payment processing unit 130 determines that there is a coupon for a payment method other than the current payment method set by the user. If a coupon for which the charge balance is the target payment method and a coupon for which the target payment method is postpaid or credit card payment coexist, the payment processing unit 130 may compare the redemption rates of these different coupons and determine whether the redemption rate of the coupon for a payment method other than the current payment method set by the user is higher.

[0052] When it is determined that a coupon exists for a payment means other than the current payment means set by the user (or a coupon with a higher return rate exists), the payment processing unit 130 causes the payment application 20 to display notification information indicating that a coupon has been issued for a payment means other than the current payment means (or a coupon with a higher return rate has been issued). That is, the payment processing unit 130 functions as a "benefit notification unit" in the claims. For example, in the case of FIG. 13, the payment application 20 causes a predetermined area A6 of the user terminal device 10 to display notification information indicating that a coupon that can only be used for credit card payments has been issued. This allows the user to recognize that a coupon that can be used advantageously can be used by changing the payment means. When the user presses the button B3 shown in FIG. 13, the payment application 20 may transition to a dedicated page for acquiring the coupon, shown in the left part of FIG. 9.

[0053] [Processing flow] Next, the processing of the electronic payment server 100 executed when the user's payment method is credit card payment will be described with reference to Fig. 14. Fig. 14 is a flowchart showing an example of the flow of processing of the electronic payment server 100 executed when the user's payment method is credit card payment in the first embodiment. The processing of the flowchart shown in Fig. 14 is executed, for example, when a user executes a credit card payment at a store that is affiliated with both credit card payment and electronic payment services.

[0054] First, the electronic payment server 100 acquires credit payment information including at least a credit card number, a credit payment store ID, and a payment amount from the credit payment server 200 (step S100). Next, the electronic payment server 100 refers to the user information 172 using the credit card number included in the credit payment information as a key to identify the user (step S102). Next, the electronic payment server 100 refers to the ID correspondence information 178 using the credit payment store ID included in the credit payment information as a key to identify the affiliated store ID and store ID (step S104). Next, the electronic payment server 100 determines whether a coupon corresponding to the affiliated store ID and store ID has been issued and whether the user has already acquired the coupon (step S106).

[0055] If a coupon corresponding to the affiliated store ID and store ID has not been issued or the user has not acquired the coupon, the electronic payment server 100 ends the process. On the other hand, if a coupon corresponding to the affiliated store ID and store ID has been issued and it is determined that the user has acquired the coupon, the electronic payment server 100 determines whether the credit card payment by the user satisfies the payment method and the use conditions of the coupon (step S108). If it is determined that the credit card payment by the user satisfies the payment method and the use conditions of the coupon, the electronic payment server 100 applies the coupon to the user and grants a benefit (step S110). This ends the process of this flowchart. Note that in the flowchart of FIG. 14, the process of step S102 and the process of step S104 may be performed in the opposite order or simultaneously.

[0056] In this embodiment, as described above, the credit settlement server 200 transmits the credit card number and the credit settlement store ID to the electronic settlement server 100, and the electronic settlement server 100 identifies the user (account ID) based on the received credit card number, and identifies the affiliated store ID and the store ID in the electronic settlement service based on the credit settlement store ID. However, the present invention is not limited to such a configuration, and the credit settlement server 200 may hold correspondence information between the credit card number and the account ID, and / or correspondence information between the credit settlement store ID and the affiliated store ID and the store ID. In that case, the credit settlement server 200 converts the credit card number received from the third store terminal device 80 into an account ID and transmits the account ID to the electronic settlement server 100 (the process of step S102 in FIG. 14 is a process of acquiring the account ID from the credit settlement server 200). Furthermore, the credit settlement server 200 converts the credit settlement store ID received from the third store terminal device 80 into an affiliated store ID and a store ID, and then transmits the affiliated store ID and the store ID to the electronic settlement server 100 (the process of step S104 in FIG. 14 is a process of acquiring the affiliated store ID and the store ID from the credit settlement server 200). Even with this configuration, the electronic settlement server 100 can grant a privilege to a user when the user executes a credit card settlement.

[0057] According to the first embodiment described above, when a payment made by a user at a physical store corresponds to a specific payment method among multiple payment methods in the payment service, a reward is given to the terminal device of the user. This increases the variety of rewards by providing rewards that take into account each individual payment method, thereby improving convenience for users.

[0058] [Second embodiment] In the first embodiment, a case has been described in which the electronic payment server 100 providing an electronic payment service and the credit payment server 200 providing a credit payment service are provided as separate components. On the other hand, when the organization that operates the electronic payment server 100 and the organization that operates the credit payment server 200 are the same organization (or organizations that are closely related), it may be more efficient to configure the electronic payment server 100 and the credit payment server 200 as the same server. In the second embodiment, taking such circumstances into consideration, the electronic payment server 100 and the credit payment server 200 are provided on the same server. The following description will focus on the differences from the first embodiment.

[0059] FIG. 15 is a diagram showing an example of a configuration for realizing a payment service according to the second embodiment. As shown in FIG. 15, the payment service is realized mainly by an electronic payment server 100A. To realize the electronic payment service, the electronic payment server 100A communicates with, for example, one or more user terminal devices 10, one or more first store terminal devices 50, and one or more second store terminal devices 70 via a network NW. Furthermore, to realize a credit payment service, the electronic payment server 100A communicates with one or more third store terminal devices 80 via a network NW. Since the processing procedure of the electronic payment service by the electronic payment server 100A is the same as that of the first embodiment, the processing procedure of the credit payment service by the electronic payment server 100A will be described below.

[0060] FIG. 16 is a diagram for explaining the flow of the coupon application process executed when the user's payment method is credit card payment in the second embodiment. First, the user accesses a dedicated page of the affiliated store of the electronic payment service via the payment application 20 of the user terminal device 10 and acquires a coupon. At this time, the electronic payment server 100 stores the coupon ID of the coupon acquired by the user in the "acquired coupon" of the user information 172. Next, the user visits the store and executes a credit card payment via the third store terminal device 80 as a payment method. The third store terminal device 80 transmits a credit card payment request including at least the credit card number, the credit card payment store ID, and the payment amount to the electronic payment server 100A.

[0061] When the electronic payment server 100A accepts the credit card payment request, it executes the credit card payment in cooperation with the issuer and the brand subsequent to the acquirer. At the same time, the payment processing unit 130 of the electronic payment server 100 executes the coupon application process based on the received credit card payment information. More specifically, the payment processing unit 130 uses the credit card number included in the credit card payment information as a key, refers to the user information 172, and identifies the user who executed the credit card payment. Furthermore, the payment processing unit 130 uses the credit card payment store ID included in the credit card payment information as a key, refers to the ID correspondence information 178, and identifies the affiliated store ID and store ID where the credit card payment was executed. Next, the payment processing unit 130 uses the identified affiliated store ID and store ID as a key, refers to the coupon information 180, and determines whether or not a coupon corresponding to the affiliated store ID and store ID has been issued. Next, if a coupon corresponding to the affiliated store ID and store ID has been issued, the payment processing unit 130 determines whether or not the credit card payment executed by the user satisfies the application condition of the coupon. If it is determined that the credit card payment made by the user satisfies the application conditions of the coupon, the payment processing unit 130 grants the user a benefit according to the "benefit content" of the coupon.

[0062] Next, the process of the electronic payment server 100A executed when the user's payment method is credit card payment will be described with reference to Fig. 17. Fig. 17 is a flowchart showing an example of the process flow of the electronic payment server 100A executed when the user's payment method is credit card payment. The process of the flowchart shown in Fig. 17 is executed, for example, when a user executes a credit card payment at a store that is affiliated with both credit card payment and electronic payment services.

[0063] First, the electronic payment server 100A executes credit card payment processing in response to receiving a credit payment request including at least a credit card number, a credit card payment store ID, and a payment amount from the third store terminal device 80 (step S200). Next, the electronic payment server 100A refers to the user information 172 using the credit card number included in the credit card payment information as a key to identify the user (step S202). Next, the electronic payment server 100A refers to the ID correspondence information 178 using the credit card payment store ID included in the credit card payment information as a key to identify the affiliated store ID and store ID (step S204). Next, the electronic payment server 100A determines whether a coupon corresponding to the affiliated store ID and store ID has been issued and whether the user has already acquired the coupon (step S206).

[0064] If a coupon corresponding to the affiliated store ID and store ID has not been issued or the user has not acquired the coupon, the electronic payment server 100A ends the process. On the other hand, if a coupon corresponding to the affiliated store ID and store ID has been issued and it is determined that the user has acquired the coupon, the electronic payment server 100A determines whether the credit card payment by the user satisfies the payment method and the use conditions of the coupon (step S208). If it is determined that the credit card payment by the user satisfies the payment method and the use conditions of the coupon, the electronic payment server 100 applies the coupon to the user and grants a benefit (step S210). This ends the process of this flowchart. As in FIG. 14, the process of step S202 and the process of step S204 in the flowchart of FIG. 17 may be performed in the reverse order or simultaneously.

[0065] According to the second embodiment described above, the electronic payment server 100A, which provides both the electronic payment service and the credit card payment service, executes a credit card payment in response to receiving a credit card payment request from the third store terminal device 80, and if the credit card payment satisfies the coupon application conditions of the electronic payment service, grants the user a coupon benefit. This makes it possible to execute the coupon application process associated with the credit card payment more efficiently than in the first embodiment.

[0066] [Third embodiment] In the first and second embodiments, a case has been described in which a coupon is issued and applied to an electronic payment service (balance payment and deferred payment) using the payment application 20 and a credit card payment service as different payment methods. However, the present invention is not limited to a credit card payment service, and more generally, the present invention can be implemented by linking with an external payment service as a different payment method. The third embodiment issues and applies a coupon to an electronic payment service using the payment application 20 and an electronic payment service provided by a provider other than the payment application 20.

[0067] FIG. 18 is a diagram showing an example of a configuration for realizing a payment service according to the third embodiment. In FIG. 18, the configurations of one or more user terminal devices 10, one or more first store terminal devices 50, one or more second store terminal devices 70, and the electronic payment server 100B are the same as those of the first embodiment, and therefore the description will be omitted. Furthermore, the third store terminal device 80, which is a credit card payment terminal, is excluded from the configuration of FIG. 1. The second electronic payment server 200A provides an electronic payment service different from that provided by the payment application 20. More specifically, the second electronic payment server 200A realizes the second electronic payment service by, for example, having the second payment application installed in the user terminal device 10 execute the user scan described in FIG. 2 or the store scan described in FIG. 3. That is, the second electronic payment server 200A is operated by a business operator different from the electronic payment server 100B, and the implementation method of electronic payment may be similar to that of the electronic payment server 100B.

[0068] 19 is a diagram showing an example of the contents of ID correspondence information 178 according to the third embodiment. Among ID correspondence information 178, ID correspondence information 178A is information in which, for example, a second electronic payment service store ID, an affiliated store ID, and a store ID are associated. The second electronic payment service store ID is ID information that identifies the store where the second electronic payment service was executed. In other words, ID correspondence information 178A links the store (store ID) of the affiliated store (affiliated store ID) affiliated with the electronic payment service, which corresponds to the store where the second electronic payment service was executed (second electronic payment service store ID).

[0069] Among ID correspondence information 178, ID correspondence information 178B is, for example, correspondence between a second electronic payment service account ID and an account ID. The second electronic payment service account ID is ID information that identifies a user who has registered to use the second electronic payment service. In other words, ID correspondence information 178B links a user who has used the second electronic payment service (account ID) to a user who has registered to use the electronic payment service.

[0070] FIG. 20 is a diagram for explaining the flow of the coupon application process executed when the user's payment method is credit card payment in the third embodiment. First, the user accesses a dedicated page of the affiliated store of the electronic payment service via the payment application 20 of the user terminal device 10 and acquires a coupon. At this time, the electronic payment server 100B stores the coupon ID of the coupon acquired by the user in the "acquired coupon" of the user information 172. Next, the user executes the second electronic payment using the second payment application installed in the user terminal device 10. The second electronic payment server 200A transmits to the electronic payment server 100B second electronic payment information including at least the second electronic payment service store ID of the store where the second electronic payment was executed, the second electronic payment service account ID of the user who executed the second electronic payment, and the payment amount. The payment processing unit 130 of the electronic payment server 100B executes the coupon application process based on the received second electronic payment information.

[0071] More specifically, the payment processing unit 130 uses the second electronic payment service account ID included in the second electronic payment information as a key, and refers to the ID correspondence information 178B to identify the user who performed the second electronic payment. Furthermore, the payment processing unit 130 uses the second electronic payment service store ID included in the second electronic payment information as a key, and refers to the ID correspondence information 178 to identify the affiliated store ID and store ID where the second electronic payment was performed. Next, the payment processing unit 130 uses the identified affiliated store ID and store ID as a key, and refers to the coupon information 180 to determine whether a coupon corresponding to the affiliated store ID and store ID has been issued. Next, if a coupon corresponding to the affiliated store ID and store ID has been issued, the payment processing unit 130 determines whether the credit card payment performed by the user meets the application conditions of the coupon. More specifically, the payment processing unit 130 determines whether the second electronic payment service is included in the "target payment means" of the coupon, and determines whether the second electronic payment meets the "use conditions" of the coupon based on the payment amount included in the second electronic payment information, etc. If it is determined that the credit card payment made by the user satisfies the application conditions of the coupon, the payment processing unit 130 grants the user a benefit according to the "benefit content" of the coupon. Next, the payment processing unit 130 notifies the second electronic payment server 200A of point granting information indicating that a benefit has been granted to the user in response to the user's execution of the second electronic payment, as necessary.

[0072] Next, the processing of the electronic payment server 100B executed when the user's payment method is the second electronic payment will be described with reference to Fig. 21. Fig. 21 is a flowchart showing an example of the processing flow of the electronic payment server 100B executed when the user's payment method is the second electronic payment in the third embodiment. The processing of the flowchart shown in Fig. 21 is executed, for example, when the user executes the second electronic payment.

[0073] First, the electronic payment server 100B acquires second electronic payment information including at least the second electronic payment service store ID, the second electronic payment service account ID, and the payment amount from the second electronic payment server 200A (step S300). Next, the electronic payment server 100B identifies the user by referring to the ID correspondence information 178B using the second electronic payment service account ID included in the second electronic payment information as a key (step S302). Next, the electronic payment server 100B identifies the affiliated store ID and the store ID by referring to the ID correspondence information 178A using the second electronic payment service store ID included in the second electronic payment information as a key (step S304). Next, the electronic payment server 100B determines whether a coupon corresponding to the affiliated store ID and the store ID has been issued and whether the user has already acquired the coupon (step S306).

[0074] If a coupon corresponding to the affiliated store ID and the store ID has not been issued or the user has not acquired the coupon, the electronic payment server 100B ends the process. On the other hand, if a coupon corresponding to the affiliated store ID and the store ID has been issued and it is determined that the user has acquired the coupon, the electronic payment server 100B determines whether the second electronic payment by the user satisfies the payment target means and the use conditions of the coupon (step S308). If it is determined that the second electronic payment by the user satisfies the payment target means and the use conditions of the coupon, the electronic payment server 100 applies the coupon to the user and grants a benefit (step S210). This ends the process of this flowchart. Note that, as in FIG. 14, the order of the process of step S302 and the process of step S304 in the flowchart of FIG. 21 may be reversed or may be executed simultaneously.

[0075] According to the third embodiment described above, the electronic payment server 100B that provides an electronic payment service, in response to receiving second electronic payment information from the second electronic payment server 200A that provides an electronic payment service different from the electronic payment service, grants a coupon benefit to the user if the second electronic payment satisfies the coupon application conditions of the electronic payment service. This increases the variety of benefits by providing benefits that take into account individual payment methods, thereby improving convenience for users.

[0076] 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]

[0077] 10 User terminal device 20. Payment App 50 First store terminal device 70 Second store terminal device 80 3rd store terminal device 100, 100A Electronic Payment Server 110 Communications Department 120 Payment Contents Provider 130 Payment processing unit 140 Information Management Department 200 Credit card payment server 200A Second electronic payment server

Claims

1. a payment information acquisition unit that processes payments for purchases at a store and acquires payment information for a payment service including a plurality of payment methods; a reward provision unit that provides a reward that can be used at a store that is a member of the payment service to a terminal device of a user associated with the payment information based on the payment information; the benefit granting unit grants the benefit to the user of the terminal device when a payment made by the user using any one of the plurality of payment means corresponds to a specific payment means designated for each benefit. Information processing device.

2. the benefit granting unit determines whether the user has previously acquired a coupon provided by the store and for which the specific payment means is designated, and grants the benefit to the user of the terminal device when it is determined that the user has previously acquired the coupon and a payment made by the user at the store using any one of the plurality of payment means corresponds to the specific payment means designated for each benefit; The information processing device according to claim 1 .

3. the reward granting unit determines whether or not a payment made by the user at the store using any one of the plurality of payment means corresponds to a specific payment means designated for each of the rewards by referring to mapping information indicating a correspondence relationship between identification information of the store that processes the plurality of payment means; The information processing device according to claim 1 .

4. and a benefit notification unit that, when the user attempts to execute the payment using a payment means other than the specific payment means for which the benefit is to be granted, displays notification information regarding the specific payment means to the user of the terminal device. The information processing device according to claim 1 .

5. The plurality of payment methods in the payment service include electronic payment using a payment app installed in the terminal device and credit card payment using a credit card held by the user. The information processing device according to claim 1 .

6. The plurality of payment methods in the payment service include electronic payment using a payment app installed in the terminal device and electronic payment using an electronic payment service provided by a provider of the payment app different from that of the provider of the payment app. The information processing device according to claim 1 .

7. the benefit granting unit acquires payment information of an electronic payment using an electronic payment service different from that provided by the provider of the payment application, and grants the benefit to a user of the terminal device based on the payment information when the electronic payment using the electronic payment service different from that provided by the provider of the payment application corresponds to a specific payment means designated for each benefit; The information processing device according to claim 6.

8. The computer Process payments for purchases at stores, acquire payment information for payment services including multiple payment methods, Based on the payment information, a benefit that can be used at a store that is a member of the payment service is granted to a terminal device of the user associated with the payment information; The provision of the benefit is to provide the benefit to the user of the terminal device when a payment made by the user using any one of the plurality of payment means corresponds to a specific payment means designated for each benefit. Information processing methods.

9. On the computer, Process payments for purchases at the store, and acquire payment information for a payment service including multiple payment methods; Based on the payment information, a privilege that can be used at a store that is a member of the payment service is granted to a terminal device of the user associated with the payment information; The provision of the benefit is to provide the benefit to the user of the terminal device when a payment made by the user using any one of the plurality of payment means corresponds to a specific payment means designated for each benefit. program.

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