Settlement service providing device, settlement service providing method, and program

Abstract

To provide a settlement service providing device, a settlement service providing method, and a program capable of timely presenting a coupon to a user in an electronic settlement service provided in cooperation with a settlement application.SOLUTION: A settlement service providing device for allowing a user to perform electronic settlement in an actual store in cooperation with a settlement application operating in a user terminal device, comprises: a settlement information acquisition unit configured to acquire settlement information of the user; and a coupon providing unit configured to refer to the settlement information and cause the user terminal device to display a notification image of a coupon related to a first actual store in which the electronic settlement has been performed most recently including a settlement completion screen of the most recent electronic settlement.SELECTED DRAWING: Figure 3

Description

[Technical field]

[0001] The present invention relates to a payment service providing device, a payment service providing method, and a program. [Background technology]

[0002] Conventionally, a technology has been disclosed for determining a benefit to be granted to a customer in a transaction using a POS terminal based on the benefit granting conditions corresponding to the payment method identified by a payment method identification means (Patent Document 1). [Prior art documents] [Patent documents]

[0003] [Patent Document 1] JP 2020-008960 A Summary of the Invention [Problem to be solved by the invention]

[0004] The conventional techniques are not related to electronic payment services provided in cooperation with a payment application, and may not be suitable for such electronic payment services.

[0005] The present invention has been made in consideration of the above circumstances, and one of its objectives is to provide a payment service providing device, a payment service providing method, and a program that can present coupons to users in a timely manner in an electronic payment service provided in cooperation with a payment app. [Means for solving the problem]

[0006] One aspect of the present invention is a payment service providing device that works in cooperation with a payment app running on a user terminal device to allow a user to make an electronic payment at a physical store, and includes a payment information acquisition unit that acquires the user's payment information, and a coupon granting unit that references the payment information and displays on the user terminal device a coupon notification image for a first physical store where the most recent electronic payment was made, including the image in the payment completion screen for the most recent electronic payment. Effect of the Invention

[0007] According to one aspect of the present invention, in an electronic payment service provided in cooperation with a payment application, coupons can be presented to users in a timely manner. [Brief description of the drawings]

[0008] [Figure 1] FIG. 1 is a diagram showing an example of a configuration for realizing an electronic payment service. [Diagram 2] FIG. 1 is a diagram illustrating an example of a general flow of electronic payment. [Diagram 3] 1 is a configuration diagram of a payment server 100 according to a first embodiment. [Figure 4] FIG. 13 is a diagram showing an example of the contents of user information 172. [Diagram 5] FIG. 13 is a diagram showing an example of the contents of store information 176. [Figure 6] FIG. 13 is a diagram showing an example of a top screen IM1 of payment application 20 before transition to a coupon list. [Figure 7] FIG. 13 is a diagram showing an example of a coupon list screen IM2. [Figure 8] FIG. 13 is a diagram showing an example of a payment completion screen IM3. [Figure 9] FIG. 13 is a diagram showing an example of the contents of coupon setting information 178. [Figure 10] 13 is a flowchart showing an example of a process flow regarding a coupon granting decision executed by a coupon granting unit 126. [Figure 11] FIG. 11 is a configuration diagram of a payment server 100A according to a second embodiment. [Figure 12] FIG. 13 is a diagram showing an example of the contents of coupon setting information 178A. [Figure 13] This is a diagram to explain a method for selecting a second physical store. [Figure 14] 13 is a diagram conceptually showing the flow of customer referral to other stores and adjustment processing. FIG. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0009] The payment service providing device, the payment service providing method, and the program of the present invention will be described below with reference to the drawings. Various devices for providing services to users and performing internal analysis, such as the "server", "management device", "information providing device", and "service providing device" that will appear below, may be realized by a distributed device group, and each device may be operated by a different business operator. Furthermore, the owner of the hardware of the device (the cloud server provider) and the business operator that actually operates the device may also be different. The payment service providing device is realized by one or more processors. The payment service providing device is a device that provides services such as electronic payment services. In the following description, the payment service providing device will be referred to as a "payment server". The electronic payment service is a service that supports payments related to the purchase of products and services at a store. A store is a physical store (real store) that exists in real space.

[0010] [Electronic payment service] Fig. 1 is a diagram showing 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, and one or more second store terminal devices 70 via a 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 reception 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 a payment server 100. The payment application 20 controls the camera, the communication device, the 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.

[0013] The second store terminal device 70 is used by a store manager. The second store terminal device 70 provides an interface for the store manager through a browser, an application, or the like.

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

[0015] FIG. 2 is a diagram illustrating an example of a general flow of electronic payment. There may be two patterns of electronic payment: pattern 1 and pattern 2. In the case of pattern 1, the payment application 20 is first started in the user terminal device 10, and a code image such as a QR code or a barcode is displayed based on a one-time code acquired from the payment server 100. The user holds (presents) the display surface of the user terminal device 10 over the first store terminal device 50. The first store terminal device 50 decodes the code image using an optical reading function and acquires information such as an account ID. The first store terminal device 50 then generates payment information including the account ID, payment amount, store ID, etc., and transmits it to the payment server 100. The information on the payment amount is acquired in advance by reading a barcode, manually entering, etc. The payment server 100 transfers the payment amount from the user's electronic payment account to the store's electronic payment account based on the received information, thereby completing the payment process.

[0016] In the case of pattern 2, the user terminal device 10 with the payment app 20 running decodes the store code image 60 using an optical reading function. The store code image 60 contains information such as the store name. The user inputs the payment amount into the user terminal device 10 on the screen displaying the store name, etc. Then, the user terminal device 10 generates payment information including the user ID, payment amount, store ID, etc., and transmits it to the payment server 100. The payment server 10 performs payment processing based on the received information. Note that electronic payment may be performed only in one of the above patterns.

[0017] First Embodiment [Payment server] The first embodiment will be described below. FIG. 3 is a configuration diagram of the payment server 100 according to the first embodiment. The payment server 100 includes, for example, a communication unit 110, a payment information acquisition unit 120, a payment content provision unit 122, a payment processing unit 124, a coupon granting unit 126, an information management unit 128, 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 (a storage device with a non-transient storage medium) such as an HDD (Hard Disk Drive) or flash memory, or may be stored in a removable storage medium (non-transient storage medium) such as a DVD or CD-ROM, and installed in the storage device by inserting the storage medium into a drive device.

[0018] 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 payment server 100 can access via a network. The storage unit 170 stores information such as user information 172, payment content information 174, store information 176, benefit setting information 178, and living area information 180.

[0019] The communication unit 110 is a communication interface for connecting to the network NW. The communication unit 110 is, for example, a network card.

[0020] The payment information acquisition unit 120 acquires the payment information of the user of any of the above-mentioned patterns, and registers it as payment history information of the user information 172 described later. Note that the payment history information may be information managed separately from the user information 172.

[0021] The payment content providing unit 122 has, for example, a function of a Web server, and provides information (content) for displaying various screens of the electronic payment service, including a payment completion screen described later, to the user terminal device 10. The payment content providing unit 122 appropriately reads out necessary content from the payment content information 174 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 payment server 100.

[0022] The payment processing unit 124 performs payment processing based on the payment information transmitted by the user terminal device 10 or the first store terminal device 50 and acquired by the payment information acquisition unit 120. The payment processing unit 124 performs payment processing while referring to the user information 172.

[0023] FIG. 4 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. For example, the user information 172 is information in which, in addition to the minimum phone number and password required at the time of new registration, an account ID (which may be omitted) is associated with information such as an email address, a user ID, a name, an address, a date of birth, a registration date, a charge balance, a bank account, a credit card number, information on cooperation with other services, charge history information, payment history information, and given coupon information. Information other than the phone number, password, registration date, charge balance, charge history information, and payment history information is optional information. Hereinafter, the instance (electronic payment account) of a user associated with such information is referred to as an account. The registration date is the date on which the user registered with the electronic payment service (the date on which the account was created).

[0024] The charge balance is information indicating the balance of electronic money that is set by a user by transferring money to the account in advance. Methods of transfer include transfer from an ATM (Automatic Teller Machine) of a designated business (bank) and transfer from a registered bank account. The bank account and credit card number are information (account number, card number) of a bank account or credit card number that can be used to deposit money into the electronic payment service. The other service link information is the login ID of another service that links with the electronic payment service (for example, operated by an operator belonging to the same business group). The charge history information is a history of a user transferring money to the electronic payment service in advance to increase the charge balance. The payment history information is information indicating the details of the payment made by the user (date and time, store ID of the store where the purchase was made, payment amount, etc.) for each payment. The granted coupon information is information indicating the application conditions of a coupon that is applied at the time of electronic payment and the contents of benefits.

[0025] Information about stores is managed as store information 176. FIG. 5 is a diagram showing an example of the contents of store information 176. In store information 176, for example, store IDs are associated with store category, location, payment patterns, and other information. The store category may be one-level information, or may have a hierarchical structure of two or more levels. For example, information such as "Japanese food," "restaurant," or "eatery" may be added as a higher-level concept of "sushi" as shown in the figure. The location may be represented by hierarchical code information such as JIS code. The payment pattern is information indicating whether the payment can be made using the above-mentioned pattern 1 or pattern 2.

[0026] When performing payment processing, the payment processing unit 124 refers to the granted coupon information in the user information 172, and performs payment processing applying the coupon if the store ID, payment time period, payment amount, etc. indicated in the payment information meet the coupon conditions. Details of the coupon will be described later. The payment processing unit 124 may manage not only payments using the charge balance, but also payments by deferred payment. Deferred payment is a payment method in which the payment amount up to the closing date of each month is paid in a lump sum on a specified payment date. Regarding deferred payment, credit and authentication processing may be performed by another device linked to the payment server 100, and the other device also associates with the account ID.

[0027] Based on the information acquired from the user terminal device 10, the information management unit 128 creates new records of the user information 172 and the store information 176, and updates each data item in the records that have already been created.

[0028] [Coupon given] The coupon granting unit 126 performs processing for granting coupons to users. A coupon is a predefined amount that is deducted from the payment amount by a processing rate or a predetermined amount in electronic payment, or is cashed back to the charge balance. A coupon may also be a right to receive a predetermined item or the like when making an electronic payment.

[0029] There are two types of coupons: general coupons and specific coupons. For example, the coupon granting unit 126 provides, as a specific coupon, a coupon with content different from a general coupon provided regardless of the user's electronic payment history. For example, general coupons are posted on a coupon list screen of the payment application 20, and may be set by a store or by an operator of an electronic payment service. In addition, there may be general coupons that are granted when an operation including following a store is performed, and general coupons that are granted automatically. In the following description, the term "store operator" includes the general operator of a chain of stores.

[0030] 6 is a diagram showing an example of the top screen IM1 of the payment application 20 before transitioning to the coupon list. The top screen IM1 includes an area A1 including code images such as barcodes and QR codes (registered trademarks) used in smartphone payments, an area A2 in which icons are set for instructing main operations in smartphone payments such as charging and scanning, and an area A3 in which various icons are set for instructing various service settings in electronic payment services. An icon IC1 for transitioning to the coupon list screen is set in area A3. When the user operates icon IC1, a coupon list screen showing the contents of each coupon is displayed.

[0031] 7 is a diagram showing an example of the coupon list screen IM2. The coupon list screen IM2 includes an area A4 listing popular brands, an area A5 listing followed shops (stores), and an icon IC3 for transitioning to a list screen of coupons (my coupons) that have become available through user operations (including following). The my coupon list screen also includes specific coupons that have been acquired through user operations.

[0032] On the other hand, the notification screen of the specific coupon is presented to the user in a form that is included in the payment completion screen displayed by the user terminal device 10 upon receipt of a notification from the payment server 100 at the completion of the electronic payment. FIG. 8 is a diagram showing an example of the payment completion screen IM3. The payment completion screen IM3 includes, for example, an area A6 in which information about the store where the electronic payment was most recently made is displayed, an area A7 in which the payment amount and the like are displayed, and an icon IC3 which is a notification screen of the specific coupon and can be operated by the user. By operating the icon IC3, the specific coupon becomes available to the user, and its contents are displayed on the My Coupons list screen. In the payment completion screen, the icon IC3 displays, for example, a phrase such as "another 10% discount". This means that, for example, a 5% discount is set as a general coupon by the same store, and a total discount of 15% can be obtained by using the specific coupon. Instead of this, when, for example, a 5% discount is set as a general coupon, the phrase "15% discount" which is the same as the result may be displayed. In this way, the coupon granting unit 126 may provide, as the specific coupon, a coupon with a greater benefit than the general coupon. If no general coupon is set, icon IC3 may simply be displayed with the words "10% off." Icon IC3 may be provided with a button with the words "Get" or the like. In this case, the specific coupon may be made available by operating that button, rather than the entire icon IC3. Also, icon IC3 may simply be a notification image, and the mechanism may be such that the user obtains the specific coupon regardless of whether or not the user operates it.

[0033] The information on coupon setting is defined by the coupon setting information 178, and the coupon granting unit 126 performs processing while referring to the coupon setting information 178. The information on the coupon set by the store among the coupon setting information 178 is registered by the store manager performing an input operation on an interface for the store manager operating in the second store terminal device 70. FIG. 9 is a diagram showing an example of the contents of the coupon setting information 178. In the figure, the store indicated by store ID=001 sets "5% discount" as a general coupon and "(general coupon) plus 10% discount" as a specific coupon, the store indicated by store ID=002 does not set a general coupon and sets "10% discount" as a specific coupon, and the store indicated by store ID=003 sets "goods provision" as a general coupon and does not set a specific coupon. In addition, a collection of stores indicated by store IDs=005, 007, and 025 (for example, a shopping district) does not set a general coupon, and sets "15% discount" as a common coupon and a specific coupon.

[0034] The specific coupon is not limited to a coupon that can be applied to any product or service of the corresponding store or affiliated store, but may be a coupon (coupon linked to an individual product, etc.) that is applied only to a specific product or service (hereinafter referred to as a first target product). For example, the issuer of the specific coupon may be a convenience store, and the target product may be "rice balls" at the convenience store. In this case, the payment completion screen IM3 in FIG. 8 may display a statement such as "50% return on all rice balls." In this case, in the payment of pattern 1, the first store terminal device 50 includes the product code (or product group code) in the payment information and transmits it to the payment server 100. The payment processing unit 124 of the payment server 100 holds a table showing the correspondence between the product code (product group code) and the product (product group) in advance, determines whether the transmitted product code (product group code) is the first target product, and if it is the first target product, provides a discount, etc., specified as the specific coupon.

[0035] [Coupon Granting Decision] The specific coupon may not be given randomly, but may be given or not based on the user's electronic payment history (payment history information). For example, when the user's electronic payment history satisfies a predetermined condition, the coupon giving unit 126 displays a notification image of the specific coupon on the user terminal device 10 including the notification image on the payment completion screen, and then gives the specific coupon to the user when the notification image is operated.

[0036] The predetermined condition is, for example, (1) that the user related to the payment information (hereinafter referred to as the target user) has a history of making an electronic payment using the electronic payment service within a predetermined period of time in the physical store (hereinafter referred to as the first physical store) for which payment information was most recently acquired. The coupon granting unit 126 judges that the predetermined condition is satisfied, for example, when a history of making an electronic payment using the store ID included in the payment information is included in the information on the target user in the user information 172, and the history is within a predetermined period of time (for example, within one year) from the judgment date. Note that "at the first physical store" may be read as "at the chain store to which the first physical store belongs." For example, the predetermined condition may be (2) that the target user has a history of making an electronic payment using the electronic payment service within a predetermined period of time in the chain store to which the first physical store belongs. In this way, for example, in a case where the user uses the same chain store as usual while traveling, the user can obtain a specific coupon in the same way as if the user repeatedly uses the same first physical store.

[0037] The predetermined condition may be (3) at least one of the following: there is a history of the target user making an electronic payment using the electronic payment service at the first brick-and-mortar store within a predetermined period in the past; and the first brick-and-mortar store is within the user's living area. Within a living area refers to an area where the target user is likely to be present on a daily basis, such as the user's residence, workplace, or school. Information within the living area is managed by the living area information 180. The living area information 180 is, for example, information in which area information of the living area is associated with a user ID for each time period of the life, such as nighttime or daytime (or regardless of the time period of the life). The area information of the living area may be information expressed by administrative divisions such as cities, wards, towns, and villages, or may be information expressed in detail based on road structures, etc. The coupon granting unit 126 (or the life area estimation unit, not shown) extracts the locations where electronic payments were made for each life time zone based on the store ID included in the payment history information and the location included in the store information 176, identifies areas where the user is likely to be present based on the distribution of the extracted locations, estimates these areas as life areas, and registers them in the life area information 180. The coupon granting unit 126 may also register information obtained by uploading and accumulating location information from the payment application 20 in the life area information 180. In this case, "at the first physical store" may be read as "at the chain store to which the first physical store belongs." For example, the predetermined condition may be that at least one of (4) the presence of a history of the target user making an electronic payment using the electronic payment service at the chain store of the first physical store within a predetermined period in the past and the first physical store being within the user's life area is satisfied. In the predetermined condition, "the first physical store being within the user's life area" may mean that the first physical store is within the life area regardless of the life time zone, or may mean that the first physical store is within the life area that matches the life time zone.

[0038] The predetermined condition may also be a condition regarding whether or not a general coupon is used in the most recent electronic payment made by the user of interest when the first physical store related to the electronic payment has issued a general coupon. In this case, the predetermined condition may be (5) that the first physical store related to the most recent electronic payment has issued a general coupon and the general coupon has been used, or (6) that the first physical store related to the most recent electronic payment has issued a general coupon and the general coupon has not been used. In the case of (5), by omitting to present the specific coupon to a user who does not often use coupons, the inconvenience to the user can be reduced, and in the case of (6), by presenting the specific coupon again to a person who did not notice the general coupon, the use of the coupon can be promoted.

[0039] In addition, the predetermined condition may be (7) that the target user has recently or in the past paid for a specific product or service (hereinafter referred to as the second target product) at the first brick-and-mortar store, or (8) that the target user has recently or in the past paid for the second target product using a general coupon at the first brick-and-mortar store. In the case of (8), the general coupon may be a coupon limited to the second target product, or may be a coupon that is not limited to the second target product. If the general coupon is limited to the second target product, the corresponding specific coupon may be applied only to the first target product that matches the second target product. For example, the general coupon is "10% off only for sweets" and the corresponding specific coupon is "20% off only for sweets". Furthermore, if the general coupon is "10% off only for sweets" and the product purchased by the target user is "cream puffs", a further narrowed-down specific coupon such as "50% off only for cream puffs" may be given to the target user. In other words, the first target product may be set to be limited to the product or service that is actually paid for among the second target products. This allows for strong promotion of a particular product or service.

[0040] The specified condition may also be (9) that the payment amount when the user of interest makes a payment using a general coupon at the first physical store or the amount of the benefit from the general coupon is equal to or exceeds a specified amount.

[0041] In addition, the specified condition may be (10) that the target user has recently or in the past made a payment by deferred payment at the first physical store, or that the target user has recently or in the past made a payment by deferred payment using a general coupon at the first physical store.

[0042] Furthermore, coupon granting conditions including general coupons may be set as follows. The coupon granting unit 126 may change the type of coupon granted to a user based on whether or not a general coupon has been used. For example, the coupon granting unit 126 may grant a specific coupon to a user when a payment is made at a physical store using a general coupon, and grant a general coupon to a user when a payment is made at a physical store without using a general coupon. In addition, when a physical store issues multiple types of general coupons, the type of coupon granted (general coupon or specific coupon) may be changed based on the type of general coupon used.

[0043] [Processing flow] 10 is a flowchart showing an example of a process flow for determining whether to grant a coupon, which is executed by the coupon granting unit 126. The process of this flowchart is performed on the assumption that the predetermined condition is (3) above, and is executed every time new payment information is acquired by the payment information acquisition unit 120.

[0044] First, the coupon granting unit 126 searches the user information 172 using the user ID of the user of interest included in the payment information (S1). Next, the coupon granting unit 126 determines whether or not the information extracted in S1 contains a history of electronic payment within a predetermined period of time to which the same store ID as the store ID included in the payment information was granted (S2).

[0045] If a negative judgment result is obtained in S2, the coupon granting unit 126 judges whether the location of the physical store indicated by the store ID included in the payment information (i.e., the first physical store) is within the living area of ​​the user indicated by the user ID included in the payment information (S3).

[0046] If a positive determination result is obtained in either S2 or S3, the coupon granting unit 126 causes the user terminal device 10 to display a notification screen for the specific coupon in addition to the payment completion screen (S4).

[0047] Here, a positive judgment result in S2 indicates a situation where the target user has used the same first brick-and-mortar store not long after the first brick-and-mortar store. In such a situation, it can be said that there is a high possibility that the target user will use the same first brick-and-mortar store on another occasion. Therefore, by granting a specific coupon that is different from a general coupon, the possibility that the specific coupon will be used and the first brick-and-mortar store will be used again increases, and the first brick-and-mortar store can grant coupons effectively.

[0048] In addition, a positive determination result in S3 indicates a situation where the target user uses the first brick-and-mortar store for the first time or after a long time, and this alone does not mean that the target user is likely to use the same first brick-and-mortar store, but since the first brick-and-mortar store is located within the target user's usual living area, it is possible to stimulate the target user's motivation to use the store again if a specific coupon is available. As a result, the first brick-and-mortar store can effectively grant coupons.

[0049] If a negative determination result is obtained in both S2 and S3, the coupon granting unit 126 does not display the notification screen for the specific coupon on the user terminal device 10 (S5). In this case, the coupon granting unit 126 may display, for example, a notification image for a substitute coupon prepared by the operator of the electronic payment service, a link image to a coupon list screen, other advertisement images, and the like on the payment completion screen on the user terminal device 10.

[0050] According to the first embodiment described above, in an electronic payment service provided in cooperation with payment application 20, a coupon can be presented to a user in a timely manner.

[0051] In the above description, the specific coupon related to the first brick-and-mortar store is included in the payment completion screen and displayed on the user terminal device 10, but at the same operation timing, a general coupon related to the first brick-and-mortar store may be included in the payment completion screen and displayed on the user terminal device 10. In other words, when a predetermined condition is met, a general coupon related to the first brick-and-mortar store may be included in the payment completion screen and displayed on the user terminal device 10. The same applies to the second embodiment described below.

[0052] <Second embodiment> The second embodiment will be described below. In the first embodiment, the coupon of the first brick-and-mortar store itself is given as the specific coupon, but in the second embodiment, a coupon of another store may be given as the specific coupon.

[0053] Fig. 11 is a configuration diagram of a payment server 100A according to the second embodiment. Compared with the payment server 100 according to the first embodiment, the payment server 100A according to the second embodiment further includes an adjustment processing unit 130. In addition, the function of the coupon granting unit 126A and the contents of the coupon setting information 178A are different from the function of the coupon granting unit 126 and the contents of the coupon setting information 178 according to the first embodiment. The following mainly describes these differences.

[0054] The information related to coupon setting is defined by the coupon setting information 178A, and the coupon granting unit 126 performs processing while referring to the coupon setting information 178A. The information related to the coupon set by the store in the coupon setting information 178A is registered by the store manager performing an input operation on an interface for the store manager that operates on the second store terminal device 70.

[0055] Fig. 12 is a diagram showing an example of the contents of coupon setting information 178A. Compared with coupon setting information 178 of the first embodiment, coupon setting information 178A includes a provision for issuing a coupon of another store (hereinafter referred to as a second physical store) other than the store itself as a specific coupon. In the example of Fig. 12, the operator of the store indicated by store ID = 004 (first physical store) has set that the store indicated by store ID = 004 (first physical store) will issue a coupon of the store indicated by store ID = 002 (second physical store) as a specific coupon.

[0056] When an electronic payment is made at a first physical store and the payment information is acquired, the coupon granting unit 126A causes the user terminal device 10 to display a notification image of a specific coupon related to the second physical store, including it in the payment completion screen of the electronic payment at the first physical store, based on the coupon setting information 178A. According to the example of Fig. 12, when an electronic payment is made at the store indicated by store ID = 004 and the payment information is acquired, the coupon granting unit 126A causes the user terminal device 10 to display a notification image of a specific coupon related to the store indicated by store ID = 002, including it in the payment completion screen of the electronic payment at the store indicated by store ID = 004.

[0057] Regarding the method of selecting the second physical store, the second physical store may be selected by the input operation of the manager of the first physical store as described above, or the second physical store may be selected by other methods. For example, a setting such as "other store (left to the payment server)" may be set as the setting of the specific coupon in the coupon setting information 178A. In this case, the coupon granting unit 126A may randomly select the second physical store from among stores located close to the first physical store, or may narrow down the second physical stores by referring to the living area information 180. For example, the second physical store located in an area estimated to be on the way home from the first physical store may be selected by referring to the living area information 180. FIG. 13 is a diagram for explaining a method of selecting the second physical store. As shown in the figure, the coupon setting information 178A may extract, for example, the living area closest to the first physical store (or estimated to be most likely to go there in consideration of the living time zone) from the living area information 180, extract the stores in the living area as candidates for the second physical store, and select the second physical store from the candidates for the second physical store. At this time, the coupon setting information 178A may obtain the time required to travel from the first physical store to the second physical store by a known method, and may grant a time-limited coupon with a deadline slightly longer than the required time as a specific coupon to the user of interest. For example, if the required time is three hours, a time-limited coupon with a deadline of about four hours may be granted to the user of interest as a specific coupon. In addition, when the coupon granting unit 126A selects the second physical store, it may not select the same store category (at any level) as the first physical store.

[0058] When a notification image of a specific coupon related to the second physical store is displayed on the payment completion screen corresponding to the electronic payment at the first physical store and the user makes an electronic payment at the second physical store while operating the notification image, the adjustment processing unit 130 performs processing to have the operator of the second physical store pay a customer referral fee to the operator of the first physical store. Figure 14 is a diagram conceptually showing the flow of other store customer referral and adjustment processing.

[0059] In this case, when the second physical store is selected by an input operation of the manager of the first physical store, the adjustment processing unit 130 may set a lower customer referral fee as the popularity of the second physical store, represented by, for example, the number of electronic payments, is higher. In addition, the adjustment processing unit 130 may present the customer referral fee for each store that is a candidate for the second physical store in an interface for the store manager that operates on the second store terminal device 70.

[0060] According to the second embodiment described above, in addition to providing the same effects as the first embodiment, it is possible to revitalize the economy by mutual customer referrals within the economic sphere of electronic payment at physical stores.

[0061] 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]

[0062] 10 User terminal device 20. Payment App 50 First store terminal device 60 Store Code Image 70 Second store terminal device 100, 100A Payment Server 120 Payment Information Acquisition Department 122 Payment Contents Provider 124 Payment processing unit 126, 126A Coupon Issuer 128 Information Management Department 130 Adjustment processing section 170 Storage section 172 User information 174 Payment Content Information 176 Store Information 178, 178A Coupon Setting Information 180 Living Area Information

Claims

1. A payment service providing device that cooperates with a payment application running on a user terminal device to allow a user to make an electronic payment at a brick-and-mortar store, A payment information acquisition unit that acquires payment information of a user; a coupon granting unit that refers to the payment information and causes the user terminal device to display a notification image of a specific coupon related to the first brick-and-mortar store where the most recent electronic payment was made, in addition to a payment completion screen of the most recent electronic payment; Equipped with The specific coupon is a coupon with contents different from general coupons provided regardless of the user's electronic payment history, the coupon granting unit, when the history of the electronic payment of the user satisfies a predetermined condition, causes the notification image of the specific coupon to be displayed on the user terminal device in a payment completion screen of the most recent electronic payment; The predetermined condition is a condition regarding whether or not the general coupon is used when the first brick-and-mortar store issues the general coupon. A payment service providing device.

2. The predetermined condition is that the first brick-and-mortar store has issued the general coupon and the user has used the general coupon in the most recent electronic payment.

2. The payment service providing device according to claim 1.

3. The predetermined condition is that, in a case where the first brick-and-mortar store has issued the general coupon, the user has not used the general coupon in the most recent electronic payment.

2. The payment service providing device according to claim 1.

4. The coupon granting unit provides, as the specific coupon, a coupon that provides a greater benefit than the general coupon.

2. The payment service providing device according to claim 1.

5. When the notification image of the specific coupon is operated by the user, the image of the specific coupon is displayed on a screen different from the list screen of the general coupons. The payment service providing device according to claim 1.

6. The coupon granting unit causes the user terminal device to display a notification image of a specific coupon related to the second physical store on a payment completion screen of the electronic payment at the first physical store based on predetermined coupon setting information.

2. The payment service providing device according to claim 1.

7. The coupon granting unit causes the user terminal device to display a notification image of a specific coupon related to a second physical store that is in a different store category from the first physical store, the notification image being included in a payment completion screen of the electronic payment at the first physical store.

2. The payment service providing device according to claim 1.

8. and a reconciliation processing unit that performs processing for causing the operator of the second physical store to pay a customer referral fee to the operator of the first physical store when the user makes an electronic payment at the second physical store while a notification image of a specific coupon related to the second physical store is operated.

8. A payment service providing device according to claim 6 or 7.

9. A payment service providing device that cooperates with a payment application running on a user terminal device to allow a user to make an electronic payment at a brick-and-mortar store, A payment information acquisition unit that acquires payment information of a user; a coupon granting unit that refers to the payment information and causes the user terminal device to display a notification image of a specific coupon related to the first brick-and-mortar store where the most recent electronic payment was made, in addition to a payment completion screen of the most recent electronic payment; Equipped with the coupon granting unit, when the history of the electronic payment of the user satisfies a predetermined condition, causes the notification image of the specific coupon to be displayed on the user terminal device in a payment completion screen of the most recent electronic payment; The predetermined conditions are conditions related to at least a part of a payment amount, a payment mode, a target product, or a target service. A payment service providing device.

10. A payment service providing device that cooperates with a payment application running on a user terminal device to allow a user to make an electronic payment at a brick-and-mortar store, Obtaining user payment information, Referring to the payment information, a notification image of a specific coupon related to the first brick-and-mortar store where the most recent electronic payment was made is displayed on the user terminal device along with a payment completion screen of the most recent electronic payment; The specific coupon is a coupon with contents different from general coupons provided regardless of the user's electronic payment history, when the history of electronic payments of the user satisfies a predetermined condition, the payment service providing device displays a notification image of the specific coupon on the user terminal device together with a payment completion screen of the most recent electronic payment; The predetermined condition is a condition regarding whether or not the general coupon is used when the first brick-and-mortar store issues the general coupon. Payment service provision method.

11. A processor of a payment service providing device that cooperates with a payment application running on a user terminal device to allow a user to make an electronic payment at a brick-and-mortar store, A process of acquiring a user's payment information; A process of referring to the payment information and displaying on the user terminal device a notification image of a specific coupon related to the first brick-and-mortar store where the most recent electronic payment was made, including the notification image of the most recent electronic payment in a payment completion screen of the most recent electronic payment; A program for executing The specific coupon is a coupon with contents different from general coupons provided regardless of the user's electronic payment history, causing the processor to perform a process of displaying, on the user terminal device, a notification image of the specific coupon included in a payment completion screen of the most recent electronic payment when the history of the electronic payment of the user satisfies a predetermined condition; The predetermined condition is a condition regarding whether or not the general coupon is used when the first brick-and-mortar store issues the general coupon. program.

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