Service provision device, service provision method, and program

Abstract

To provide a service provision device capable of fulfilling service in respect to an offer of privilege.SOLUTION: A service provision device for providing electronic settlement service is provided with: an acquisition section for acquiring, from a second terminal device, first processing information including code information acquired through a first terminal device in an affiliated store of the electronic settlement service and capable of identifying a user authorized by the electronic settlement service and information in respect to a first privilege offered to the user by a manager of a second terminal device intermediating between the first terminal device and the service provision device; and an offering section for mapping the first privilege offered by the affiliated store usable in the electronic settlement service to an account in the code information managed with the electronic settlement service and stored in a storage section.SELECTED DRAWING: Figure 1

Description

[Technical field]

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

[0002] Conventionally, there are known techniques for providing coupons with a limited period of use in electronic commerce. For example, Patent Document 1 discloses a technique for providing a time-limited coupon for a product when a start condition set in advance for the product is satisfied. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] JP 2015-179364 A Summary of the Invention [Problem to be solved by the invention]

[0004] In the conventional technology, the service regarding the provision of benefits was sometimes insufficient.

[0005] The present invention has been made in consideration of the above circumstances, and one of its objectives is to provide a service providing device, a service providing system, a service providing method, and a program that can enhance services related to the granting of benefits. [Means for solving the problem]

[0006] One aspect of the present invention is a service providing device that provides an electronic payment service, comprising: an acquisition unit that acquires first processing information from a first terminal device of an affiliated store of the electronic payment service, the first processing information including code information capable of identifying a user issued by the electronic payment service obtained by the second terminal device, and information regarding a first benefit to be granted to a user by an administrator of a second terminal device that acts as an intermediary between the first terminal device and the service providing device; and an assignment unit that associates a first benefit granted by the affiliated store that can be used in the electronic payment service with an account of the code information managed in the electronic payment service and stored in a memory unit. Effect of the Invention

[0007] According to one aspect of the present invention, it is possible to provide a service providing device, a service providing system, a service providing method, and a program that can enhance services related to the provision of benefits. [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] 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 configuration diagram of a payment server 100. [Diagram 5] FIG. 2 is a diagram showing an example of the contents of user information 202. [Figure 6] FIG. 2 is a diagram showing an example of the contents of affiliated store / shop information 206. [Figure 7] FIG. 13 is a diagram showing an example of the contents of special information 208. [Figure 8] FIG. 1 is a diagram showing an overview of a process when electronic payment is made using an electronic payment service. [Figure 9] FIG. 1 is a diagram showing an overview of a process when electronic payment is made using an electronic payment service. [Figure 10] FIG. 11 is a diagram for explaining a process for generating special information 208. [Figure 11] FIG. 11 is a diagram for explaining a payment process and a bonus process. [Figure 12] FIG. 11 is a sequence diagram relating to a bonus process. [Figure 13] FIG. 13 is a diagram for explaining the provision of benefits and electronic payment in a comparative example. [Figure 14] FIG. 2 is a diagram for explaining the provision of benefits and electronic payment in this embodiment. [Figure 15] FIG. 13 is a diagram showing an example of payment completion content including information on electronic payment service points and affiliated store points. [Figure 16] FIG. 1 is a diagram for explaining resources. [Figure 17] 11 is a diagram showing an example of the contents of point settlement information 210. FIG. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0009] Hereinafter, with reference to the drawings, an embodiment of a service providing device, a service providing system, a service providing method, and a program of the present invention will be described. Various devices for providing services to users and performing internal analysis, such as the "affiliated store server" and the "payment server" that will be described below, may be realized by a group of distributed devices, 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 that actually operates the device may also be different. The application program and the payment server work together to provide an electronic payment service. In the following description, the application program is referred to as a payment application. The electronic payment service is a service that supports payments related to the purchase of goods and services at a store. The store is, for example, a physical store (real store) that exists in the real world, but may also include a virtual store for electronic commerce. The virtual store may include one provided by an entity different from the operator of the electronic payment service. In that case, when making a payment for shopping at the virtual store, the screen is controlled to transition to an interface screen of the electronic payment service. In the electronic payment service, the store is treated as belonging to, for example, an affiliated store (brand), and processing such as payment when a purchase is made at the store is mainly performed between the user and the affiliated store. Alternatively, processing such as payment may be carried out between the user and the store.

[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, one or more second store terminal devices 70, and an affiliated store server 80 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. The first store terminal device 50 is an example of a "first terminal device," and the affiliated store server 80 is an example of a "second terminal device."

[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 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 made by the operator of the affiliated store and transmits them to the payment server 100. The second store terminal device 70, which is a smartphone, has the function of displaying a code image corresponding to a store code image and reading a code image displayed by the user terminal device 10 by executing the app for affiliated stores.

[0014] The affiliated store server 80 communicates with the first store terminal device 50, manages information acquired from the first store terminal device 50, and transmits the acquired information to the payment server 100. The above-mentioned first store terminal device 50 is, for example, a POS (Point of Sale) register, and the affiliated store server 80 is, for example, a POS server that manages the POS register. A configuration including the affiliated store server 80 and the first store terminal device 50 is sometimes referred to as a store system.

[0015] The payment server 100 realizes electronic payment based on payment information received from the user terminal device 10 or the first store terminal device 50. The first store terminal device 50 may include a POS device and an affiliated store server, in which case the payment information is transmitted from the POS device to the payment server 100 via the affiliated store server.

[0016] 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.

[0017] 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 store-identifying information is added, and is associated with an affiliated store ID, a store ID, etc. in the payment server 100 (described later). The payment application 20 transmits the first payment information including the store URL and the account ID to the payment server 100 (S2). The payment server 100 searches for store information (described later) from the affiliated store ID and the store ID corresponding to the store URL, acquires the affiliated store name and the store name information (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 payment server 100 (S6). The payment server 100 performs electronic payment based on the received second payment information (S7). The 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 step of the user inputting the payment amount is omitted, and the information on the payment amount is included in the first payment information and transmitted to the payment server 100. Information on the affiliated store name and the store name may be included in the payment completion screen and displayed.

[0018] 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 sends a request to issue a one-time code to the payment server 100 (S11). The payment server 100 generates a one-time code (S12) and sends 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 a first store terminal device 50 of the store system, and the first store terminal device 50 decodes the code image using an optical reading function and obtains the one-time code or the like, which is code information (S15). Then, the first store terminal device 50 generates payment information including the one-time code, payment amount, affiliated store ID, store ID, etc., and transmits the payment information to the payment server 100 via the affiliated store server 80 (S16). The payment amount information is acquired in advance by reading a barcode or by manual input, etc. The payment server 100 identifies the user corresponding to the one-time code based on the received information, and performs electronic payment (S17A). Next, the payment server 100 grants a benefit to the user in accordance with the electronic payment (S17B). Then, the payment server 100 transmits a payment completion notice to the payment application 20 (S18), and the payment application 20 displays a payment completion screen (S19).

[0019] The rewards are, for example, points, coupons, vouchers, discount tickets, etc. that can be used in electronic payment services. Granting a reward to a user means performing a process of associating the reward with the user's account (details of which will be described later).

[0020] 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 or information that can identify other users. In this case, instead of identifying a user corresponding to the one-time code, the payment server 100 identifies a user corresponding to the account ID or information that can identify other users. In the above process, instead of the code image, code information may be acquired from a printed matter on which a code is displayed, etc.

[0021] [Payment server] FIG. 4 is a configuration diagram of the payment server 100 according to the first embodiment. The payment server 100 includes, for example, a communication unit 110, a content providing unit 120, a payment processing unit 130, an information management unit 140, an assignment unit 150, a setting unit 160, an information processing unit 170, and a storage unit 200. The components other than the communication unit 110 and the storage unit 200 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.

[0022] The information management unit 140 is an example of an "acquisition unit", the assignment unit 150 is an example of an "assignment unit", and the setting unit 160 is an example of a "setting unit 160".

[0023] The storage unit 200 is a HDD, a flash memory, a RAM (Random Access Memory), etc. The storage unit 200 may be a NAS (Network Attached Storage) device that the payment server 100 can access via a network. The storage unit 200 stores information such as user information 202, content information 204, and affiliated store / shop information 206.

[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 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 content providing unit 120 reads out necessary content from the content information 204 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 back by the payment application 20, and transmits the above-mentioned payment information and the like to the 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 202.

[0027] FIG. 5 is a diagram showing an example of the contents of the user information 202. The user information 202 is an example of the registration information of a user. The user information 202 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, electronic payment service points, and affiliated store 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 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 a bank account or credit card number (account number, card number) that can be used to deposit funds into an electronic payment service. Charge history information is a history of the user's previous transfers to the electronic payment service to increase the charge balance. Payment history information is information that indicates 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.).

[0029] Electronic payment service points are a benefit (second benefit) provided in response to electronic payment via an electronic payment service. Electronic payment service points are points provided using funds borne by the electronic payment service. Affiliated store points are a benefit (first benefit) provided upon payment at an affiliated store, regardless of electronic payment via an electronic payment service. Affiliated store points are points provided using funds borne by the affiliated store.

[0030] 6 is a diagram showing an example of the contents of affiliated store / store information 206. The affiliated store / store information 206 includes, for example, a first table 206A in which an affiliated store ID and a store ID are associated with a store URL, a second table 206B in which an affiliated store name and sales amount (described above) are associated with an affiliated store ID, and a third table 206C in which a store ID is associated with a store name. In addition to this information, the affiliated store / store information 206 may also include information such as the category of the affiliated store or store, the location of the store, and payment patterns.

[0031] The information management unit 140 manages the user information 202 and the affiliated store / store information 206 based on information acquired from the user terminal device 10, the first store terminal device 50, and the second store terminal device 70. The information management unit 140 adds new records to, edits, and deletes the user information 202 and the affiliated store / store information 206.

[0032] [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 202 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.

[0033] 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.

[0034] [Granting of Benefits] The information management unit 140 obtains information (first processing information) including code information capable of identifying a user and processing information obtained by the first store terminal device 50 of the affiliated store of the electronic payment service from the affiliated store server 80 that mediates between the first store terminal device 50 and the payment server 100. The code information is, for example, code information (e.g., one-time passcode) capable of identifying a user obtained by reading a code image and issued by the electronic payment service. The processing information is, for example, the payment amount and the contents of the benefit. The processing information is, for example, "information regarding the first benefit" granted to the user by the administrator of the affiliated store.

[0035] The granting unit 150 associates a first benefit granted by an affiliated store that can be used with the electronic payment service with an account of the code information managed in the electronic payment service and stored in the storage unit 200. The first benefit is different from a second benefit provided by the electronic payment service. The second benefit is a benefit granted in response to an electronic payment of the electronic payment service being made. The first benefit may be granted when an electronic payment of the electronic payment service is made, or may be granted when a payment different from the electronic payment of the electronic payment service is made. The different payment method is a payment different from the electronic payment service, such as a credit card payment, a payment by voucher, or cash.

[0036] Specifically, the granting unit 150 grants electronic payment service points to the user in response to electronic payment. The granting unit 150 grants affiliated store points to the user based on electronic payment of the electronic payment service or payment by other payment method. The granting unit 150 derives affiliated store points (first benefit) based on the payment amount and a predetermined criterion corresponding to the affiliated store, and associates the derived affiliated store points with the user's account. The payment amount is, for example, the payment amount of payment using electronic payment or the payment amount using a payment method different from the electronic payment of the electronic payment service. Note that the granting unit 150 may obtain information on the benefit to be granted (information indicating the content of the benefit) from the affiliated store server 80 instead of the payment amount, and grant the benefit (for example, XX points, etc.) to the user.

[0037] The granting unit 150 grants affiliated store points to the user, for example, based on the benefit information acquired from the affiliated store server 80 and the benefit information 208. FIG. 7 is a diagram showing an example of the content of the benefit information 208. The benefit information 208 is information in which, for example, an affiliated store ID (or a store ID) is associated with a benefit granting criterion. In the example of FIG. 7, the benefit granting criterion is to return 1% of the payment amount as points, but instead of this, the benefit granting rule or the benefit itself, such as a predetermined point or a predetermined coupon, may be used. First, an overview of the benefit granting process will be described, and the details of the benefit granting process will be described later.

[0038] (Scenes where electronic payment is used for electronic payment services) When electronic payment is made using an electronic payment service, the payment server 100 gives the user electronic payment service points and affiliated store points. In this case, if the first store terminal device 50 scans the user's code image once, two types of points are given to the user. Figure 8 is a diagram showing an overview of the process when electronic payment is made using an electronic payment service.

[0039] (Scenes where electronic payment services are not used) When electronic payment is made using a payment method different from the electronic payment service, the payment server 100 gives affiliated store points to the user. In this case, the first store terminal device 50 scans the user's code image, and if the user makes a payment using the different payment method, affiliated store points are given to the user. Figure 9 is a diagram showing an overview of the process when electronic payment is made using an electronic payment service.

[0040] As described above, the payment server 100 can use the code image to give the user affiliated store points that are different from the electronic payment service points. This allows the payment server 100 to enhance services related to the giving of benefits. These processes will be specifically described below.

[0041] [Processing for generating bonus information] The setting unit 160 generates the reward information 208 in cooperation with the affiliated store server 80. The setting unit 160 accepts the setting of the criteria for granting a reward from the first store terminal device 50 or the affiliated store server 80, and sets the accepted criteria as the criteria for granting a reward corresponding to the affiliated store. FIG. 10 is a diagram for explaining the process of generating the reward information 208. The setting unit 160 is a functional unit that functions as, for example, an API (Application Programming Interface).

[0042] (1) When the affiliated store server 80 transmits information indicating the affiliated store ID and criteria (e.g., a rebate rate for a payment amount) to the setting unit 160, (2) the setting unit 160 sets the criteria for the affiliated store ID and generates benefit information 208. The criteria are determined by the affiliated store staff and are provided to the affiliated store server 80 by the staff operating a terminal device. (3) The setting unit 160 transmits a notification of completion of setting to the affiliated store server 80. As described above, the affiliated store can easily set the criteria in cooperation with the setting unit 160.

[0043] [Payment and rewards processing] The payment processing unit 130 executes payment processing in cooperation with the affiliated store server 80. The granting unit 150 executes reward processing in cooperation with the affiliated store server 80. The payment processing unit 130 or the granting unit 150 may execute payment processing or reward processing in cooperation with the first store terminal device 50 without going through the affiliated store server 80.

[0044] When the granting unit 150 acquires information (first processing information) including the code information and the payment amount at the affiliated store, the information relating to the first benefit is the payment amount at the affiliated store, the granting unit 150 determines whether or not electronic payment of the electronic payment service should be made for the acquired information. When the granting unit 150 determines that electronic payment of the electronic payment service should be made for the acquired information, the granting unit 150 causes the payment processing unit 130 to make the electronic payment, and associates the electronic payment service points and the affiliated store points with the account of the code information.

[0045] When the granting unit 150 determines that electronic payment of the electronic payment service should not be performed for the acquired information, the granting unit 150 does not perform electronic payment of the electronic payment service, and associates the first privilege granted by the affiliated store that can be used for the electronic payment service with the account of the code information. The granting unit 150 determines that electronic payment of the electronic payment service should not be performed for the acquired information, for example, based on the type of flag included in the acquired information or the characteristics of the acquired information (type of data format, transmission method, etc.). For example, when the acquired information includes a flag related to the grant of the first privilege or has a predetermined characteristic, the granting unit 150 determines that electronic payment of the electronic payment service should not be performed for the acquired information. In this case, the electronic payment of the electronic payment service is not performed, and a process of granting the first privilege is performed.

[0046] FIG. 11 is a diagram for explaining the payment process and the bonus process. The payment process and the bonus process for granting a bonus may be performed as follows. (11) The affiliated store server 80 acquires code information. Specifically, the first store terminal device 50 acquires a one-time code, which is code information capable of identifying a user from a code image presented by the user. The one-time code is provided from the first store terminal device 50 to the affiliated store server 80. The first store terminal device 50 also transmits the store ID, the payment amount, and the like to the affiliated store server 80. (12) and (13) are payment processes, and (14) and (15) are bonus processes.

[0047] (12) The affiliated store server 80 generates payment information (second processing information) including the code information, the affiliated store ID, the payment amount, and a payment instruction, and transmits the generated payment information to the payment server 100. (13) The payment server 100 performs payment processing based on the payment information. As a result, the payment server 100 performs electronic payment for the electronic payment service using the payment method set by the user. At this time, the granting unit 150 grants electronic payment service points to the user based on the payment information. For example, points are granted according to the payment amount. Instead of (or in addition to) points, other benefits (coupons, vouchers, discount tickets, etc.) may be granted.

[0048] (14) The affiliated store server 80 generates reward information (first processing information) including the code information, the affiliated store ID, the payment amount, and a reward grant instruction, and transmits the generated reward information to the payment server 100. (15) The payment server 100 performs reward processing based on the reward information. The payment server 100 refers to the reward information 208 described above and grants affiliated store points to the user's account.

[0049] The electronic payment service points may be awarded in the payment process, or may be awarded by the awarding unit 150 as a process separate from the payment process. For example, when the awarding unit 150 receives a notice of completion of a payment from the payment processing unit 130, the awarding unit 150 may award electronic payment service points to the account of the user involved in the payment according to the payment amount. The electronic payment service points are also awarded based on a standard previously determined in the electronic payment service.

[0050] As described above, the payment server 100 performs payment processing and reward processing separately. For example, when an electronic payment is made using an electronic payment service, the payment server 100 performs payment processing and reward processing separately to perform the electronic payment and to grant affiliated store points. For example, when a payment is made using a payment method other than the electronic payment service and the user wishes to acquire affiliated store points, the payment server 100 performs reward processing and grants affiliated store points.

[0051] In the above example, when electronic payment is made for an electronic payment service, the payment information and the reward information are transmitted separately, but instead, information including the payment information and the reward information may be provided to the payment server 100. In this case, the payment server 100 executes the payment process and the reward process based on the acquired information.

[0052] [Sequence] Fig. 12 is a sequence diagram relating to the bonus process. Some of the processes in Fig. 12 may be omitted. The first store terminal device 50 reads and decodes the code image displayed by the payment app on the display unit of the user terminal device 10, and obtains code information, etc. (S50). The first store terminal device 50 generates bonus information including the code information, payment amount, affiliated store ID, store ID, etc., and transmits the generated bonus information to the affiliated store server 80 (S52). The affiliated store ID may be omitted from the bonus information.

[0053] When the affiliated store server 80 acquires the benefit information, it determines whether or not to grant a benefit (S54). If it determines that a benefit should be granted, the affiliated store server 80 transmits the benefit information to the payment server 100 (S56). The determination of whether or not to grant a specific benefit is made based on conditions set by the affiliated store. The conditions may be any conditions such as a period or a payment amount.

[0054] Next, the payment server 100 determines the point redemption rate based on the benefit information and the benefit information 208 (S58), derives the points (S60), and further grants the points to the user's account (S62). Next, the payment server 100 sends a notification that the points have been granted to the payment application (S64). The payment application 20 displays a points grant completion screen on the display unit (S66). Note that when the payment process is performed based on the code image of S50, the payment completion screen includes information on the points grant, and the processes of S64 and S66 are omitted.

[0055] As described above, the payment server 100 can provide a benefit to a user in cooperation with the affiliated store server 80 using the code information, regardless of whether electronic payment is used or not.

[0056] The payment information and the reward information may include a transaction ID for identifying the transaction related to the payment. The transaction ID is, for example, identification information issued and managed by the affiliated store for each payment. For example, in the above reward process ((14) in FIG. 11 or step S56 in FIG. 12), instead of (in addition to) the code information being provided to the payment server 100, the transaction ID may be provided to the payment server 100. When the payment server 100 has granted a reward to a user, the payment server 100 may provide the affiliated store server 80 with information indicating that the reward related to the transaction ID has been granted to the corresponding user and information associating the transaction ID. This allows the affiliated store server 80 to easily recognize that a reward has been granted to the user for a payment at the affiliated store corresponding to the transaction ID.

[0057] [Comparative Example] FIG. 13 is a diagram for explaining the provision of benefits and electronic payment in a comparative example. The process when a user wants to obtain affiliated store points in electronic payment using service A will be described. This process is performed at a self-checkout register. First, the user selects the points he or she wants to obtain on the points selection screen and has the self-checkout register cancel the code image. The user then selects a payment method. For example, if the user selects electronic payment using service A, the user has the self-checkout register scan the same code image as before. The payment is made and points are provided by the above two scans. Instead of a self-checkout register, the selection of points and payment method is similarly performed at a manned register by a store staff member, and payment is made and points are provided.

[0058] As described above, in the comparative example, by performing two scans, the user can make a payment and obtain affiliated store points.

[0059] [Present embodiment] Fig. 14 is a diagram for explaining the provision of benefits and electronic payment in this embodiment. The differences from the process in Fig. 13 will be explained. First, the user selects the points he / she wants to obtain on the points selection screen and has the self-checkout cancel the code image. The user then selects a payment method. The above scan information is sent to the affiliated store server and the payment server 100, and payment is made and points are provided.

[0060] As described above, in this embodiment, a user can make a payment and obtain affiliated store points with just one scan.

[0061] As described above, in this embodiment, one or both of the payment process and the bonus process are performed by scanning the code image once, thereby reducing the workload of the user or the store staff.

[0062] [Content provided] Furthermore, as described above, for example, when the payment process and the reward process are executed and the payment is completed, the payment server 100 displays a payment completion content including information on the electronic payment service points and the affiliated store points on the display unit of the user terminal device 10. Fig. 15 is a diagram showing an example of the payment completion content including information on the electronic payment service points and the affiliated store points.

[0063] This allows the user to easily check the various points that they have earned in making a payment.

[0064] Here, when the privilege information (first processing information) and the payment information (second processing information) acquired by the information management unit 140 have a predetermined relationship, the content providing unit 120 displays content including information indicating a first privilege based on the privilege information (e.g., affiliated store points) and information indicating a second privilege based on the payment information (e.g., electronic payment service points) on the display unit of the user terminal device 10 of the user, as shown in Fig. 15. When the privilege information and the payment information acquired by the information management unit 140 do not have a predetermined relationship, the content providing unit 120 displays content including information indicating the first privilege based on the privilege information and content including information indicating the second privilege based on the payment information separately on the display unit of the user terminal device 10 of the user.

[0065] Having a specified relationship means a relationship in which it is presumed that the user or affiliated store desires electronic payment via the electronic payment service and the first benefit to be granted to the user by the first store terminal device 50 of the affiliated store of the electronic payment service reading a code image once, and which satisfies one or both of conditions (A) and (B).

[0066] (A) is when the information management unit 140 acquires the code information of the payment information or the code information of the bonus information within a predetermined time from when the information management unit 140 first acquires one of the pieces of information. In this case, as shown in FIG. 8, it is presumed that the payment process and the bonus process are performed by presenting the code image once.

[0067] (B) is that the code information of the payment information and the code information of the bonus information are the same. As described above, the code information is a one-time code that is updated depending on a user operation (e.g., a refresh operation or a restart of the payment application 20) or time. For this reason, if the code information is the same, it is presumed that the payment process and the bonus process are performed by presenting the code image once, as shown in FIG. 8 described above.

[0068] In addition, the affiliated store server 80 may include information indicating whether or not there is a payment process corresponding to the benefit process or a benefit process corresponding to the payment process in the payment information or the benefit information and transmit it to the payment server 100. The payment server 100 determines whether or not there is a benefit process related to the payment process or a payment process related to the benefit process based on, for example, information included in the payment information or the benefit information, and generates content based on the result of the determination. For example, if there is a related process, the payment server 100 displays content including information indicating a first benefit based on the benefit information and content including information indicating a second benefit based on the payment information on the display unit of the user terminal device 10. For example, if there is no related process, the payment server 100 displays content including information indicating a first benefit based on the benefit information and content including information indicating a second benefit based on the payment information separately on the display unit of the user terminal device 10.

[0069] As described above, the payment server 100 displays the content on the display unit of the user terminal device 10 based on the association between the payment process and the reward process. This allows the user to be provided with appropriate content according to the process.

[0070] [About the funds] The source of affiliated store points is provided by the affiliated store. FIG. 16 is a diagram for explaining the source of funds. The affiliated store provides the payment fee for sales of electronic payments made using the electronic payment service to the administrator of the electronic payment service. For example, the information processing unit 170 of the payment server 100 offsets the payment fee from the affiliated store's sales and provides information on the sales after offset to the affiliated store server 80. The affiliated store provides the source of points and the point fee to the administrator of the electronic payment service. The point fee is either a fixed fee or a fee based on a rate of sales, or both.

[0071] The information processing unit 170 manages the information on sales, fees, and funds described in FIG. 16, and generates the point settlement information 210. FIG. 17 is a diagram showing an example of the content of the point settlement information 210. The point settlement information 210 is information in which, for example, the affiliated store ID is associated with information such as the affiliated store's sales, settlement fees, affiliated store's point grant funds, point fees (fixed, rate), and the amount after offset. The amount after offset is the amount after offsetting the settlement fees from the sales. Note that the point grant funds may be omitted and the point fees may be offset from the sales. The information processing unit 170 calculates various fees for each payment or each point grant, and manages the calculated fees. At a predetermined time, the information processing unit 170 integrates various fees and points up to now to calculate the sales, settlement fees, point fees, and the amount after offset for a predetermined period, and generates the point settlement information 210. This point settlement information 210 may be provided to the affiliated store server 80.

[0072] As described above, since information processing unit 170 manages information such as sales and fees, the management burden on the administrator of the electronic payment service or the affiliated store is reduced.

[0073] According to the embodiment described above, the payment server 100 can enhance services related to the granting of benefits by associating a first benefit that can be used in the electronic payment service provided by the affiliated store with an account of code information managed in the electronic payment service and stored in the memory unit 200.

[0074] 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]

[0075] 10 User terminal device 20. Payment App 50 First store terminal device 80 Merchant Server 100 Payment Server 120 Contents Provider 130 Payment processing unit 140 Information Management Department 150 Granting Department 160 Setting section 170 Information Processing Section 208 Bonus Information 210 Points settlement information

Claims

1. A service providing device for providing an electronic payment service, an acquisition unit that acquires from a second terminal device first processing information including code information capable of identifying a user that is issued by the electronic payment service and obtained by a first terminal device of an affiliated store of the electronic payment service, and information regarding a first benefit that is granted to a user by an administrator of a second terminal device that acts as an intermediary between the first terminal device and the service providing device; an awarding unit that associates a first benefit that can be used in the electronic payment service and is awarded by the affiliated store with an account of the code information managed in the electronic payment service and stored in a storage unit; A service providing device comprising:

2. The information about the first benefit is a payment amount at the affiliated store, the awarding unit determines the content of the first benefit based on the payment amount and a predetermined criterion corresponding to the affiliated store; The service providing device according to claim 1 .

3. the information about the first benefit is information indicating content of the first benefit, The granting unit associates a benefit corresponding to the content of the first benefit with the account of the code information. The service providing device according to claim 1 .

4. The payment amount at the affiliated store is the payment amount using the electronic payment of the electronic payment service. The service providing device according to claim 2 .

5. The payment amount at the affiliated store is a payment amount using a payment method different from the electronic payment of the electronic payment service. The service providing device according to claim 2 .

6. a setting unit that receives a setting of the criterion from the first terminal device or the second terminal device and sets the received criterion as a criterion for determining the content of the first benefit, The service providing device according to claim 2 .

7. The information about the first benefit is a payment amount at the affiliated store, when the granting unit acquires the first processing information including the code information and the payment amount at the affiliated store, the granting unit determines whether or not electronic payment of the electronic payment service should be performed for the acquired information; The service providing device according to claim 2 .

8. The applying unit is when it is determined that the electronic payment of the electronic payment service should not be performed for the acquired information, the electronic payment of the electronic payment service is not performed, and a first benefit that is granted by the affiliated store and that can be used in the electronic payment service is associated with the account of the code information; The service providing device according to claim 7.

9. When the acquisition unit acquires the first processing information and further acquires second processing information including the code information and information indicating a payment amount for making an electronic payment of the electronic payment service, the granting unit grants, to the account, in addition to the first benefit, a second benefit based on the electronic payment service by performing electronic payment of the second processing information. The service providing device according to claim 1 .

10. The first benefit is provided by funds borne by the affiliated store, The second benefit is provided by funds provided by the electronic payment service. The service providing device according to claim 9.

11. displaying content including information indicating a first benefit based on the first processing information and information indicating a second benefit based on the second processing information on a display unit of a terminal device of the user when the first processing information and the second processing information acquired by the acquisition unit have a predetermined relationship; a content providing unit that, when the first processing information and the second processing information acquired by the acquiring unit do not have a predetermined relationship, causes a content including information indicating a first benefit based on the first processing information and a content including information indicating a second benefit based on the second processing information to be separately displayed on a display unit of the terminal device of the user. The service providing device according to claim 9.

12. The term "having a predetermined relationship" means that A relationship in which it is presumed that the user or the affiliated store desires electronic payment through the electronic payment service and granting the first benefit to the user by a first terminal device of the affiliated store of the electronic payment service reading code information once, and the relationship satisfies one or both of conditions (A) and (B); (A) is that the acquisition unit acquires one of the code information of the first processing information and the code information of the second processing information within a predetermined time from when the acquisition unit first acquires one of the code information of the first processing information and the code information of the second processing information, (B) The code information is one-time code information that is updated according to an operation of the user or time, and the code information of the first processing information and the code information of the second processing information are similar to each other. The service providing device according to claim 11.

13. A service providing device according to any one of claims 1 to 12; a second terminal device that provides the first processing information to the service providing device; A service delivery system including:

14. A computer of a service provider that provides an electronic payment service, acquire first processing information from a second terminal device, the first processing information including code information capable of identifying a user, which is obtained by a first terminal device of an affiliated store of an electronic payment service and which is issued by the electronic payment service, and information regarding a first benefit to be granted to a user by an administrator of a second terminal device acting as an intermediary between the first terminal device and the service providing device; Corresponding to an account of the code information managed in the electronic payment service and stored in a storage unit, a first benefit that can be used in the electronic payment service and is provided by the affiliated store; How we provide services.

15. A computer of a service providing device that provides an electronic payment service, acquiring, from a first terminal device of an affiliated store of an electronic payment service, first processing information including code information capable of identifying a user, which is obtained by the first terminal device of the affiliated store of the electronic payment service, and information regarding a first benefit to be granted to a user by an administrator of a second terminal device acting as an intermediary between the first terminal device and the service providing device, from the second terminal device; Correlating a first benefit provided by the affiliated store, which can be used in the electronic payment service, with an account of the code information managed in the electronic payment service and stored in a storage unit; program.

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