Information processing device, information processing method, program and system
Patent Information
- Application Number
- JP2024094252
- Authority / Receiving Office
- JP · JP
- Patent Type
- Applications
- Current Assignee / Owner
- Filing Date
- 2024-06-11
- Publication Date
- 2026-09-08
AI Technical Summary
Conventional electronic payment systems fail to provide information about privileges granted to users in a highly convenient form after purchasing products using electronic payment.
An information processing system that acquires settlement information and product identifiers during electronic payments, determines if the conditions for granting privileges are met, and displays information about the granted privileges in real time on the user's terminal device.
Enables users to receive information about privileges in a highly convenient and timely manner, enhancing user experience and convenience in electronic payment transactions.
Smart Images
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Abstract
Description
Technical Field
[0001] The present invention relates to an information processing apparatus, an information processing method, a program, and a system.
Background Art
[0002] Conventionally, a technique for granting a privilege to a user's account using an electronic payment service has been known. For example, Patent Document 1 discloses a technique for granting a coupon corresponding to an amount according to the use of an SNS service by a user to the user's electronic payment service account.
Prior Art Documents
Patent Documents
[0003]
Patent Document 1
Summary of the Invention
Problems to be Solved by the Invention
[0004] However, in the conventional technology, when a product sold by a merchant of an electronic payment service is purchased by electronic payment, information regarding the privilege granted according to the purchase of the product may not be provided to the user in a highly convenient form.
[0005] The present invention has been made in consideration of such circumstances, and when a product sold by a merchant of an electronic payment service is purchased by electronic payment, an object of the present invention is to provide an information processing apparatus, an information processing method, a program, and a system capable of providing information regarding the privilege granted according to the purchase of the product to the user in a highly convenient form.
Means for Solving the Problems
[0006] One aspect of the present invention relates to an electronic payment executed by a user of an electronic payment service, and obtains settlement information regarding the electronic payment for purchasing a product sold by a merchant affiliated with the electronic payment service from the user's user terminal device together with an identifier of the product. A settlement information acquisition unit, a privilege determination unit that determines whether or not the identifier and the settlement information satisfy privilege granting conditions set by the merchant, and when it is determined that the identifier and the settlement information satisfy the privilege granting conditions, a display control unit that causes the user terminal device to display information regarding the granted privilege in real time. It is an information processing device comprising.
Effect of the Invention
[0007] According to one aspect of the present invention, when a product sold by a merchant of an electronic payment service is purchased by electronic payment, information regarding a privilege granted in response to the purchase of the product can be provided to the user in a highly convenient form.
Brief Description of the Drawings
[0008]
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Embodiments for Carrying Out the Invention
[0009] Hereinafter, with reference to the drawings, embodiments of an information processing apparatus, an information processing method, a program, and a system according to the present invention will be described. Various apparatuses such as "servers", "management apparatuses", and "information providing apparatuses" that provide services to users or perform internal analysis may be realized by a decentralized group of apparatuses, and the operators of each apparatus may be different. Also, the holder of the hardware of the apparatus (provider of the cloud server) and the operator who actually operates the apparatus may be different. The application program and the payment server cooperate 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 in stores. A store is, for example, a physical store (actual store) existing in the real space, but may include a virtual store for e-commerce. The virtual store may include those provided by a party different from the operator of the electronic payment service. In that case, when making a payment for shopping in the virtual store, it is controlled to transition to the interface screen of the electronic payment service. In the electronic payment service, a store is, for example, treated as belonging to a franchise (brand), and processing such as payment when a purchase action is performed in the store is mainly carried out between the user and the franchise. Instead of this, 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 centering around a payment server 100. The payment server 100 communicates with each of, 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, the configurations for realizing these functions are respectively referred to as a camera, a communication device, a touch panel, a CPU (Central Processing Unit), etc. In the user terminal device 10, the payment application 20 is executed by a processor such as a CPU, and operates to provide an electronic payment service to the user in cooperation with the payment server 100. The payment application 20 is installed in the user terminal device 10 from, for example, an application store, and controls a camera, a communication device, a touch panel, etc.
[0012] The first store terminal device 50 is installed in a store, for example. 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. Note that the store code image 60 may be displayed by a display placed in the store (which may be a display of a terminal device such as a smartphone).
[0013] The second store terminal device 70 is used by the operator of the franchise store. The second store terminal device 70 is a smartphone, a tablet terminal, a personal computer, or the like. In the second store terminal device 70, an interface 72 for franchise stores operates. The interface 72 for franchise stores may be an application for franchise stores or a browser. The interface 72 for franchise stores accepts settings of coupons, etc. by the operator of the franchise store and transmits them to the payment server 100. The second store terminal device 70, which is a smartphone, has functions such as displaying a code image corresponding to the store code image or reading the code image displayed by the user terminal device 10 by executing an application for franchise stores.
[0014] The payment server 100 realizes electronic payment based on the 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 a franchise store server. In that case, the payment information is transmitted from the POS device to the payment server 100 via the franchise store server. In the following description, without particularly distinguishing this, it is assumed that the payment information is transmitted from the first store terminal device 50.
[0015] FIG. 2 and FIG. 3 are sequence diagrams illustrating a rough flow of electronic payment. There may be two patterns, pattern 1 and pattern 2, in electronic payment.
[0016] In the case of pattern 1 shown in FIG. 2 (hereinafter referred to as user scan), the user terminal device 10 in the state where the settlement application 20 is activated decodes the store code image 60 by means of an optical reading function (S1). The store code image 60 contains information on the store URL (Uniform Resource Locator). This store URL is obtained by adding information capable of identifying the store to the domain of the electronic payment service, and is associated with the franchise store ID, store ID, etc. in the payment server 100 (described later). The settlement application 20 transmits first settlement information including the store URL and the account ID to the settlement server 100 (S2). The settlement server 100 searches for store information (described later) from the franchise store ID and store ID corresponding to the store URL, acquires information on the franchise store name and store name (S3), and transmits it to the settlement application 20 (S4). The user inputs the settlement amount into the user terminal device 10 on the screen where the franchise store name and store name are displayed (S5). Then, the user terminal device 10 generates second settlement information including at least the settlement amount, and transmits it to the settlement server 100 (S6). The settlement server 100 performs an electronic settlement based on the received second settlement information (S7). Then, the settlement server 100 transmits a settlement completion notification (information for displaying a settlement completion screen) to the settlement application 20 (S8), and the settlement application 20 displays a settlement completion screen (S9). When the store code image 60 is displayed by a display placed in the store, the store code image 60 may contain not only the store URL but also settlement amount information. In this case, the procedure for the user to input the settlement amount is omitted, and the settlement amount information is included in the first settlement information and transmitted to the settlement server 100. Information on the franchise store name and store name may be included and displayed on the settlement completion screen.
[0017] In the case of Pattern 2 shown in FIG. 3 (hereinafter referred to as store scan), when the settlement application 20 is launched, when an operation to make a payment is performed in the settlement application 20, when the timing of automatic update (for example, every minute) arrives, and at other timings, the settlement application 20 sends a request for issuing a one-time code to the settlement server 100 (S11). The settlement server 100 generates a one-time code (S12) and sends it to the settlement application 20 (S13). The settlement 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 in front of the first store terminal device 50, and the first store terminal device 50 decodes the code image by means of an optical reading function and acquires a one-time code or the like (S15). Then, the first store terminal device 50, which is a POS device, generates settlement information including a one-time code, a settlement amount, a franchise store ID, a store ID, a product ID for identifying the product purchased by the user, etc., and sends it to the settlement server 100 (S16). When the user purchases a plurality of products, the first store terminal device 50, which is a POS device, collectively sends a plurality of pieces of settlement information regarding the plurality of products to the settlement server 100. Information on the settlement amount has been acquired in advance by barcode reading, manual input, or the like. The settlement server 100 identifies the user corresponding to the one-time code based on the received information and performs an electronic settlement (S17). Then, the settlement server 100 sends a settlement completion notification to the settlement application 20 (S18), and the settlement application 20 displays a settlement completion screen (S19).
[0018] Note that electronic settlement may be performed in only one of the above patterns. Also, the "account ID" described in FIG. 2 may be other information (for example, a phone number) that can be used as identification information of the user. Further, in the store scan, the issuance of the one-time code may be omitted, and the settlement application 20 may display a code image generated based on the user's account ID. In that case, instead of identifying the user corresponding to the one-time code, the settlement server 100 identifies the user corresponding to the account ID.
[0019] [Settlement Server] FIG. 4 is a configuration diagram of the settlement server 100 according to the first embodiment. The settlement server 100 includes, for example, a communication unit 110, a settlement content providing unit 120, a settlement processing unit 130, an information management unit 140, and a storage unit 170. Components other than the communication unit 110 and the storage unit 170 are realized, for example, by a hardware processor such as a CPU executing a program (software). Some or all of these components may be realized by hardware (including a circuit unit; circuitry) such as LSI (Large Scale Integration), ASIC (Application Specific Integrated Circuit), FPGA (Field-Programmable Gate Array), or GPU (Graphics Processing Unit), or may be realized by the cooperation of software and hardware. The program may be stored in advance in a storage device (a storage device having a non-transitory storage medium) such as an HDD (Hard Disk Drive) or a flash memory, or may be stored in a removable storage medium (a non-transitory storage medium) such as a DVD or a CD-ROM, and may be installed in the storage device when the storage medium is mounted on a drive device. The information management unit 140 further includes a settlement information acquisition unit 140A, a privilege determination unit 140B, and a display control unit 140C. Details of these functions will be described later. The function of the information management unit 140 in the settlement server 100 is an example of an "information processing device".
[0020] The storage unit 170 is an HDD, a flash memory, a RAM (Random Access Memory), or the like. The storage unit 170 may be a NAS (Network Attached Storage) device accessible by the settlement server 100 via a network. The storage unit 170 stores information such as user information 172, settlement content information 174, franchise / store information 176, coupon information 178, campaign information 180, and campaign progress information 182.
[0021] 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.
[0022] The settlement content providing unit 120 has, for example, the 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 settlement content providing unit 120 appropriately reads necessary content from the settlement content information 174 and provides it to the user terminal device 10. The user terminal device 10 receives various inputs by the user in a state where the content is reproduced by the payment application 20, and transmits the above-mentioned payment information and the like to the payment server 100.
[0023] The payment processing unit 130 performs payment processing based on the payment information transmitted by the user terminal device 10 or the first store terminal device 50. The payment processing unit 130 performs payment processing while referring to the user information 172.
[0024] FIG. 5 is a diagram showing an example of the content of the user information 172. The user information 172 is an example of the registration information of the user. The user information 172 includes, for example, a user URL, an account ID, a telephone number, a password, as well as an email address, a user ID, name, address, date of birth, registration date, remaining charge amount, post-payment setting, post-payment limit, post-payment usage amount, available post-payment amount, payment method setting, bank account, credit card number, consent to provide payment information, charge history information, payment history information, followed affiliated stores, acquired coupons, and points held, etc. The user URL is used for the money transfer process between users. When newly registering for the electronic payment service, it is mandatory to register the telephone number and password. The account ID is issued to the user by the payment server 100, and the user ID is an ID that the user can optionally set (it is not necessary to set it). Similarly, the email address, and the name, address, and date of birth are also information that the user can optionally set (it is not necessary to set it). The registration date is the date when the user registered for the electronic payment service (the date when the account was created). Hereinafter, an instance of the user (electronic payment account) to which these pieces of information are associated is referred to as an account.
[0025] The remaining balance of the charge indicates the information of the remaining balance of the electronic money set by the user's prior transfer to the account. As means of transfer, there are transfers from the ATM (Automatic Teller Machine) of a designated operator (bank), transfers from a registered bank account, etc. The post-payment setting is information indicating whether the setting for enabling electronic payment by post-payment has been completed or not, and is set to either "completed" or "not completed". The post-payment limit is the limit amount of post-payment available per month, the post-payment used amount is the amount of post-payment already used in the current month, and the post-payment available amount is the amount of post-payment available in the current month obtained by subtracting the post-payment used amount from the post-payment limit. Although only one post-payment limit is shown in the figure, in reality, there are further upper limits per day, etc., and the lower of them may be set as the post-payment limit. Further details of the post-payment will be described later. The payment method setting is setting information indicating whether the user performs an electronic payment using the remaining balance of the charge or a payment by post-payment at that time. Each of the bank account and credit card number is information (account number, card number) of a bank account or credit card number that can receive payments for the electronic payment service. The consent to provide payment information is information indicating whether the user has consented to the provision of payment information (franchise store ID, store ID, payment amount, product ID, date and time, etc. of the franchise store where the electronic payment was executed) when using the coupons or campaigns described later. The charge history information is the history of the user's prior transfer to the electronic payment service to increase the remaining balance of the charge. The payment history information is information showing the breakdown of the payments made by the user (date and time, store ID of the store where the purchase action was taken, payment amount, payment method, etc.) for each payment.
[0026] Figure 6 is a diagram showing an example of the content of the franchise / store information 176. The franchise / store information 176 includes, for example, a first table 176A in which a franchise store ID and a store ID are associated with the store URL, a second table 176B in which a franchise store name and sales amount (described above) are associated with the franchise store ID, and a third table 176C in which a store name is associated with the store ID. In addition to these information, the franchise / store information 176 may include information such as the category of the franchise store or store, the location of the store, and the payment pattern.
[0027] [Electronic Settlement] When the settlement processing unit 130 acquires settlement information from the user terminal device 10 or the first store terminal device 50, it refers to the user information 172 to acquire the "settlement method setting" of the user. When the "settlement method setting" is set to "charge balance" for a user, the settlement processing unit 130 performs electronic settlement as follows. For example, the settlement processing unit 130 performs electronic settlement by decreasing the charge balance managed in association with the user ID and increasing the item value of the sales amount of the affiliated store. The item value of the sales amount of the affiliated store is not used as electronic money itself, for example, and the amount corresponding to the item value of the sales amount is transferred to the bank account in a cycle according to the agreement between the affiliated store and the electronic settlement service.
[0028] When the "setting information" is set to "post-payment" for a user, the settlement processing unit 130 performs electronic settlement as follows. Post-payment is set separately from "credit payment" through cooperation with a credit card company, which is a separate entity from the operator of the electronic settlement service. The operator of the electronic settlement service acts as the creditor and allows electronic settlement that does not depend on the charge balance within the range of the post-payment limit. In addition, in order to receive the post-payment service, it may be required to obtain a credit card provided by the operator of the electronic settlement service. The amount used for post-payment is settled in a lump sum on the payment date of the following month, for example, by direct debit from the bank account. In this case, the settlement processing unit 130 performs provisional settlement by adding the settlement amount to the post-payment usage amount and subtracting the same amount from the available post-payment amount, and performs processing to debit the settlement for the current month on the payment date of the following month as described above at the closing date, or requests the operator of the credit card company to perform the processing. If the settlement amount exceeds the available post-payment amount at the time of provisional settlement, an error notification is returned to the settlement application 20.
[0029] The information management unit 140 manages the user information 172 and the affiliated store / store information 176 based on the information acquired from the user terminal device 10 and the second store terminal device 70. The information management unit 140 adds, edits, deletes, etc. new records for the user information 172 and the affiliated store / store information 176.
[0030] [Top screen] FIG. 8 is a diagram showing an example of the top screen IM of the payment app 20. A code image CD is displayed on the top screen IM. The code image CD includes, for example, a barcode and a QR code. Also, together with the code image CD, text indicating whether to perform electronic payment based on the remaining balance or perform electronic payment on a deferred payment basis (in the figure, "Pay with balance") is displayed. This text is drawn by the payment app 20 based on the information updated by the payment app 20 each time the switch SW is operated. Also, the top screen IM includes an operation area CA including the switch SW and a transition button TB. This will be described later. Note that the "switch" and "button" are GUIs (Graphical User Interfaces) realized in cooperation with the touch panel. The switch SW accepts an operation for switching between performing electronic payment based on the remaining balance and performing electronic payment on a deferred payment basis. The switch SW is set to perform electronic payment based on the remaining balance by default, and each time it is operated by the user, the setting switches between the setting for performing electronic payment based on the remaining balance and the setting for performing electronic payment on a deferred payment basis. Although "deferred payment" is shown as an explanatory display in the figure, this means that the setting is for performing electronic payment on a deferred payment basis. The operation area CA is provided with buttons for instructing main operations in electronic payment, such as a button for instructing scanning (start of user scanning) and a button for instructing charging. When the transition button TB is operated, it transitions to a payment screen that displays the code image used for electronic payment and the available amount.
[0031] Below the operation area CA, for example, a group of buttons (switches) M1 to M3 for launching mini-apps is further displayed. The mini-app operates with the payment app 20 as a platform and provides some kind of service. The service provider develops the mini-app by referring to an SDK (Software Development Kit), such as a program or technical document for app development provided by the administrator of the payment app 20. The mini-app is, for example, an app that operates while the payment app 20 is launched. For example, when the payment app 20 is installed, part or all of the mini-app may be installed, or part or all of the mini-app may be installed from a service server corresponding to the mini-app. For example, when the mini-app is launched, it accesses a service server (not shown) that provides a service corresponding to the mini-app, and the mini-app and the service server cooperate to provide a service to the user. At this time, the service server may be the payment server 100 itself or an external server different from the payment server 100. In FIG. 7, as an example, a button M1 for a mini-app that provides a coupon function described below, a button M2 for a mini-app that provides a campaign function, and a button M3 for a mini-app that provides a function for viewing and managing acquired points are displayed, but buttons for launching various types of mini-apps, such as a payment app for paying public transportation fares, may be displayed.
[0032] [Coupon Usage] FIG. 7 is a diagram showing an example of the content of coupon information 178. The coupon information 178 is associated with information such as, for example, a coupon ID, a coupon name, a franchise ID, a store ID, a product ID, a product name, a product price, a privilege content, an excluded coupon, an expiration date, and consent to provide payment information. As will be described later, a coupon is a privilege available for electronic payment issued by a franchise to a user, and becomes available when the user acquires it in advance via the payment app 20. The product ID is an identifier for specifying the product to which the coupon applies. In the present embodiment, as an example, the product ID is composed of 8 digits. The first half of the 4 digits is an identifier for identifying the manufacturer that manufactured the product, and the second half of the 4 digits is an identifier for identifying the product manufactured by the manufacturer.
[0033] The excluded coupon is an identifier for identifying whether the coupon is a coupon for which a privilege is granted when the user purchases the product specified by the product ID, or a coupon for which a privilege is granted when the user purchases a product other than the product specified by the product ID. That is, when the excluded coupon is set to NO, if the user purchases the product specified by the product ID at the store of the franchise within the expiration date, the privilege specified in the privilege content is granted to the user's account. For example, in the case of the coupon with the coupon ID "C0001", if the user acquires the coupon and purchases the product "XX Detergent" within the expiration date at the store with the store ID "651874" of the franchise with the franchise ID "13579", the user can receive the privilege of "3% reduction" out of the product price of "800 yen". On the other hand, when the excluded coupon is set to YES, if the user purchases a product other than the product specified by the product ID at the store of the franchise within the expiration date, the privilege specified in the privilege content is granted to the user's account. For example, in the case of the coupon with the coupon ID "C0002", if the user acquires the coupon and purchases a product other than the product "XX Medicine" within the expiration date at the store with the store ID "651874" of the franchise with the franchise ID "13579", the user can receive the privilege of "5% reduction" out of the purchase price of the product.
[0034] The payment information provision consent is information that specifies whether it is necessary for the user to consent to the provision of payment information when using a coupon. When the payment information provision consent is set to "required", for example, at the timing when the user acquires a coupon, the payment application 20 asks the user on the screen of the user terminal device 10 whether the user consents to the provision of payment information. If the user consents to the provision of payment information, the use of the coupon is enabled. Information indicating that the user has consented to the provision of payment information is stored as "completed" in the "payment information provision consent" of the user information 172.
[0035] FIG. 9 is a diagram showing an example of a method of using a coupon by the user terminal device 10. The left screen in FIG. 9 represents a screen displayed on the user terminal device 10, for example, when the user accesses a dedicated page of a franchise store of an electronic payment service via the payment application 20 of the user terminal device 10. This screen is displayed, for example, when the user clicks the coupon button M1 on the top screen IM in FIG. 8 and searches for a store that provides a coupon.
[0036] The franchise store dedicated page includes, for example, a region A1 where summary information of the franchise store is displayed, a button B1 for following the franchise store, a region A2 where detailed information of the franchise store is switchably displayed by tabs, etc. When the user presses the follow button B1, the payment application 20 transmits information indicating that the follow button B1 has been pressed, together with the user's identification information (for example, account ID), to the payment server 100. The information management unit 140 stores the identification information (for example, franchise store ID) of the franchise store in the "followed franchise store" of the user information 172. As a result, for example, each time the franchise store updates the content of the franchise store dedicated page, the payment server 100 notifies the user via the payment application 20 of the update of the content of the franchise store dedicated page.
[0037] In FIG. 9, for example, when the user taps on "Coupon", which is one of the tabs included in area A2, coupons that the user can use for electronic payment at the store are displayed at the current time. When the user follows a franchise store and presses button B2 to obtain a coupon, for example, the payment app 20 sends information indicating that the acquisition button B2 has been pressed, together with the user's identification information (e.g., account ID), to the payment server 100. The information management unit 140 stores the identification information of the coupon acquired by the user (e.g., coupon ID) in "Acquired Coupons" of the user information 172. Thereby, the user and the coupon acquired by the user are associated with each other.
[0038] After the user acquires a coupon and the user terminal device 10 executes an electronic payment, the information management unit 140 refers to the coupon information 178 and determines whether the electronic payment satisfies the usage conditions of the coupon acquired by the user. If the information management unit 140 determines that the electronic payment satisfies the usage conditions of the coupon acquired by the user, it grants the user a privilege corresponding to the "Privilege Details" of the coupon information 178.
[0039] After that, the payment app 20 displays, in real time, as a payment completion screen, area A3 for displaying the payment store, area A4 for displaying the payment amount, and area A5 for displaying information regarding the granted privilege. The right part of FIG. 9 shows, as an example, a case where, in response to the user acquiring a 3% discount coupon valid for the purchase of a specific product (i.e., "XX Detergent"), 24 yen worth of points are granted for an 800 yen payment. In this case, the information management unit 140 stores 24 yen worth of points in "Owned Points" of the user information 172, and the payment processing unit 130 preferentially subtracts the owned points from the payment amount in the user's next electronic payment, and subtracts the remaining amount from the recharge balance or the available amount for deferred payment. Note that, as another mode, the coupon may be such that the amount is directly subtracted from the payment amount of the day without being added as points available for payment.
[0040] In the right part of FIG. 9, as information regarding the benefits to be provided, area A5 displays the points acquired by the user, the coupon name, the product name, and the manufacturer name. The information management unit 140 can identify the product name and the manufacturer name associated with the product of the product ID based on the product ID included in the settlement information. These product name and manufacturer name may be stored in the coupon information 178 in advance, or the information management unit 140 may inquire from an external product information management server via an API (Application Programming Interface).
[0041] FIG. 10 is a diagram showing another example of a method of using a coupon by the user terminal device 10. FIG. 10 represents a scenario where the user uses an exclusion coupon with the coupon ID "C0002". Similar to the case of FIG. 10, the user first accesses the dedicated page of the affiliated store of the electronic payment service via the payment app 20 of the user terminal device 10 and presses the coupon acquisition button B2 to acquire the coupon. After that, the user can acquire benefits corresponding to the purchase amount by purchasing a product other than the product specified in the exclusion coupon at the store of the affiliated store to which the coupon applies. In the case of FIG. 10, when the user purchases a product other than "XX medicine" at the store of the affiliated store for 800 yen, for example, the information management unit 140 grants 40 yen worth of points corresponding to 5% of it to the user's account.
[0042] FIG. 11 is a flowchart showing an example of the processing flow executed by the information management unit 140 when the user uses a coupon related to a specific product. The processing of the flowchart shown in FIG. 11 is executed, for example, when the user performs electronic payment using the payment app 20.
[0043] First, the settlement information acquisition unit 140A acquires settlement information regarding the electronic settlement executed by the user (step S100). Next, the privilege determination unit 140B refers to the user information 172 using the account ID included in the settlement information as a key (step S102). Next, the privilege determination unit 140B determines whether the user has already acquired a coupon for a specific product based on the user information 172 (step S104).
[0044] If it is determined that the user has not yet acquired a coupon for the specific product, the settlement processing unit 130 executes the electronic settlement without applying the coupon (step S106). Thereafter, the display control unit 140C causes the user terminal device 10 to display a settlement completion screen including, for example, the settlement amount and store information (step S108).
[0045] On the other hand, if it is determined that the user has already acquired a coupon for the specific product, the privilege determination unit 140B then determines whether the current electronic settlement satisfies the application conditions of the coupon for the specific product that has already been acquired (step S110). More specifically, the privilege determination unit 140B refers to the coupon information 178 and determines whether the product ID included in the settlement information matches the product ID of the acquired coupon (or does not match in the case of an exclusion coupon), and whether other application conditions (such as the expiration date) are satisfied.
[0046] If it is determined that the current electronic settlement does not satisfy the application conditions of the coupon for the specific product that has already been acquired, the information management unit 140 proceeds with the process to step S106. On the other hand, if it is determined that the current electronic settlement satisfies the application conditions of the coupon for the specific product that has already been acquired, the settlement processing unit 130 applies the coupon and executes the electronic settlement (step S112). Thereafter, the display control unit 140C causes the user terminal device 10 to display a settlement completion screen including, for example, the settlement amount, store information, and information regarding the granted privilege in real time (step S114). Thereby, the processing of this flowchart ends.
[0047] As described above, according to this embodiment, when a user acquires a coupon for a specific product issued in advance by a franchise of an electronic payment service and purchases the specific product by electronic payment (or purchases a product other than the specific product by electronic payment in the case of an exclusion coupon), information regarding the benefits provided upon purchase is displayed in real time on the user terminal device. In particular, in this embodiment, when an electronic payment is executed, the payment server 100 acquires an identifier that can identify the product name and the manufacturer, and thus, as information regarding the benefits of the coupon, detailed information regarding the product is displayed in real time on the user terminal device. Even when the user purchases a plurality of products simultaneously, the first store terminal device 50 transmits a plurality of payment information regarding the plurality of products to the payment server 100, and the display control unit 140C causes the information regarding the specific product that is the cause for the benefits of the coupon to be displayed on the user terminal device. Therefore, compared with the prior art in which only the points given to the user are displayed on the payment completion screen, the information regarding the benefits can be provided to the user in a highly convenient form.
[0048] [Use of Campaign] FIG. 12 is a diagram showing an example of the content of the campaign information 180. The campaign information 180 is associated with information such as, for example, a campaign ID, a campaign name, a franchise store ID, a store ID, a product ID, a product name, a product price, a privilege content, an excluded coupon, an expiration date, and consent to provide payment information. As will be described later, the campaign is a privilege available for electronic payment issued from a franchise store to a user. Unlike a coupon, the privilege is granted when the user makes an electronic payment that meets the application conditions without having to perform any operation in advance via the payment application 20. In the present embodiment, as an example, the application conditions for the campaign are satisfied when the cumulative amount calculated cumulatively by purchasing a specific product one or more times within the expiration date is equal to or more than a predetermined amount. For example, in the case of the campaign with the campaign ID "D0001", when the user purchases the product "XX Tea" with a product price of 200 yen five or more times within the expiration date, the application conditions are satisfied, and the privilege 100P specified in the privilege content is granted. Alternatively, the application conditions for the campaign may be determined by a single purchase, similar to a coupon.
[0049] An exclusion campaign is an identifier that identifies whether the campaign is one where benefits are granted when a user purchases a product specified by a product ID, or one where benefits are granted when a user purchases a product other than the product specified by the product ID. That is, when the exclusion campaign is set to NO, if a user purchases, within the expiration date, a product specified by a product ID at a franchise store such that the application conditions are met, the benefits specified in the benefit details are granted to the user's account. On the other hand, when the exclusion coupon is set to YES, if a user purchases, within the expiration date, a product other than the product specified by the product ID at a franchise store, the benefits specified in the benefit details are granted to the user's account. For example, in the case of a campaign with campaign ID "D0002", if a user purchases, within the expiration date, a product other than "XX Medicine" at the store with store ID "651874" of the franchise with franchise ID "13579" such that the application conditions are met, the benefit of 50P specified in the benefit details is granted.
[0050] FIG. 13 is a diagram showing an example of the content of the campaign progress information 182. The campaign progress information 182 is associated with information such as, for example, a campaign ID, a user ID, an amount already settled, and a remaining amount. The amount already settled is information indicating the amount settled by the user specified by the account ID for the campaign specified by the campaign ID. The remaining amount is the amount obtained by subtracting the amount already settled from the amount specified in the application conditions of the campaign information 180 in FIG. 12. Each time a user executes an electronic payment related to a campaign, the information management unit 140 adds the payment amount to the amount already settled and subtracts it from the remaining amount to manage the campaign progress status of the user. When the amount already settled becomes equal to the amount specified in the application conditions (when the remaining amount becomes zero), the information management unit 140 grants the privilege specified in the privilege content to the user's account. In the case of FIG. 13, for clarity of explanation, the campaign progress information 182 records both the information on the amount already settled and the remaining amount. However, the present invention is not limited to such a configuration and may record only one of the information on the amount already settled and the remaining amount.
[0051] FIG. 14 is a diagram showing an example of how to use a campaign by the user terminal device 10. The screen on the left side of FIG. 14 represents the same screen as the top screen IM shown in FIG. 8. As shown in FIG. 14, for example, the information management unit 140 causes the campaign information CI indicating that the franchise store is conducting a campaign to be displayed on the top screen IM, the dedicated page of the franchise store, or the like. After the user confirms the campaign information CI and the user terminal device 10 executes an electronic payment, the information management unit 140 refers to the campaign information 180 and determines whether the cumulative amount by the electronic payment satisfies the application conditions of the campaign. When it is determined that the cumulative amount by the electronic payment satisfies the application conditions of the campaign, the information management unit 140 grants a privilege to the user according to the "privilege details" of the campaign information 180. On the other hand, when it is determined that the cumulative amount by the electronic payment does not satisfy the application conditions of the campaign, the information management unit 140 adds the payment amount by the current electronic payment to the paid amount of the campaign progress information 182 and subtracts it from the remaining amount to update the campaign progress information 182.
[0052] Thereafter, the payment application 20 displays, as a payment completion screen, in real time, an area A3 for displaying the payment store, an area A4 for displaying the payment amount, and an area A5 for displaying information regarding the granted privilege in combination. The right side of FIG. 14 shows, as an example, a case where 100 yen worth of points are granted in response to the user satisfying the application conditions of a campaign for a specific product (that is, "XX tea"). In this case, the information management unit 140 stores 100 yen worth of points in the "held points" of the user information 172.
[0053] In the right part of FIG. 14, as information regarding the granted privilege, the area A5 displays the points acquired by the user, the campaign name, the product name, and the manufacturer name. As described above, the information management unit 140 can specify the product name and the manufacturer name associated with the product of the product ID based on the product ID included in the payment information.
[0054] FIG. 15 is a diagram showing another example of how a user terminal device 10 uses a campaign. FIG. 15 represents a scenario where a user uses an exclusion campaign with a campaign ID of "D0002". Similar to the case of FIG. 14, after the user checks the campaign information CI and the user terminal device 10 executes an electronic payment, the information management unit 140 refers to the campaign information 180 to determine whether the electronic payment meets the application conditions of the campaign. If the information management unit 140 determines that the electronic payment meets the application conditions of the campaign, it grants the user a privilege according to the campaign content. In the case of FIG. 15, when the user purchases goods other than "XX medicine" for 2,000 yen or more at a franchise store, the information management unit 140 grants 50 yen worth of points to the user's account.
[0055] FIG. 16 is a flowchart showing an example of the process flow executed by the information management unit 140 when a user uses a campaign related to a specific product. The process of the flowchart shown in FIG. 16 is executed, for example, when a user makes an electronic payment using the payment application 20.
[0056] First, the payment information acquisition unit 140A acquires payment information regarding the electronic payment executed by the user (step S200). Next, the privilege determination unit 140B refers to the user information 172 using the account ID included in the payment information as a key (step S202). Next, the privilege determination unit 140B determines whether the electronic payment by the user meets the application conditions of the campaign based on the user information 172 (step S204).
[0057] If it is determined that the electronic payment by the user does not meet the application conditions of the campaign, the payment processing unit 130 executes the electronic payment without applying the campaign (step S206). Thereafter, the display control unit 140C causes the user terminal device 10 to display a payment completion screen including, for example, the payment amount and store information (step S208).
[0058] On the one hand, when it is determined that the electronic payment by the user satisfies the application conditions of the campaign, the payment processing unit 130 applies the campaign and executes the electronic payment (step S210). After that, the display control unit 140C causes the user terminal device 10 to display in real time a payment completion screen including, for example, information such as the payment amount, store information, and information on the benefits to be granted (step S212). Thereby, the processing of this flowchart ends.
[0059] As described above, according to the present embodiment, unlike a coupon, when the user makes an electronic payment that satisfies the application conditions of the campaign (or, in the case of an exclusion campaign, when the user purchases a product other than the specific product by electronic payment) without having to perform any prior operation via the payment app 20, information on the benefits granted in response to the purchase is displayed in real time on the user terminal device. In particular, in the present embodiment, when the electronic payment is executed, the payment server 100 acquires an identifier that can identify the product name and the manufacturer, and thus, as information on the benefits of the campaign, detailed information on the product is displayed in real time on the user terminal device. Even when the user purchases a plurality of products at the same time, the first store terminal device 50 transmits a plurality of payment information on the plurality of products to the payment server 100, and the display control unit 140C causes the user terminal device to display information on the specific product that caused the benefits of the campaign to be granted among them. Therefore, compared with the prior art in which only the points granted to the user are displayed on the payment completion screen, information on the benefits can be provided to the user in a highly convenient form.
[0060] [Display of acquired points] As described above, when the electronic payment satisfies the application conditions of the coupon or campaign, the display control unit 140C causes the user terminal device 10 to display in real time a payment completion screen including information about the benefits (points) to be granted. In addition to this configuration, the payment app 20 according to the present embodiment is equipped with a mini app that provides a function to view and manage the acquired points. For example, when the user presses the mini app button M3 shown in FIG. 7, the display control unit 140C causes the user terminal device 10 to display information about the points acquired by the user (hereinafter referred to as point information). Hereinafter, the display function by the display control unit 140C will be described.
[0061] FIG. 17 is a diagram showing an example of point information displayed by the display control unit 140C. In FIG. 17, the reference symbol DL represents a drop-down list for selecting the display mode of points. As shown in FIG. 17, the display control unit 140C displays, for example, for a predetermined period (for example, the most recent month), an area A6 representing information about points acquired by a coupon and an area A7 representing information about points acquired by a campaign. The area A6 includes, for each coupon for which points are acquired, for example, the date and time when the points were acquired, the acquired points, the coupon name, the product name, the purchase amount, and the manufacturer name. Similarly, the area A7 includes, for each campaign for which points are acquired, for example, the date and time when the points were acquired, the acquired points, the campaign name, the product name, the purchase amount, and the manufacturer name. Thus, in the present embodiment, the payment server 100 acquires the product ID of the product purchased by the user by the electronic payment of pattern 2, and the product ID includes an identifier for identifying the product purchased by the user and its manufacturer. Therefore, by displaying the product and its manufacturer for which the user has acquired points, the display control unit 140C enables the user to accurately grasp the breakdown of the points acquired by the user, and can improve the convenience of the user.
[0062] In addition, in this embodiment, for a campaign, points are awarded when the cumulative amount calculated cumulatively by purchasing a specific product (or a product other than the specific product in the case of an exclusion campaign) one or more times within the expiration date meets or exceeds a predetermined amount. Therefore, for some users, the amount paid for purchasing a specific product for a certain campaign may be greater than zero but less than the predetermined amount. In such a case, as shown in FIG. 17, the display control unit 140C may display in area A7 the actual amount or the remaining amount actually paid by the user out of the predetermined amount specified for the campaign, and the progress status (for example, the ratio of the actual amount paid by the user out of the predetermined amount). In this way, the convenience for the user can be further improved.
[0063] FIG. 18 is a diagram showing another example of the point information displayed by the display control unit 140C. The screen shown in FIG. 18 is displayed, for example, when the user selects "Product" from the drop-down list DL. As shown in FIG. 18, the display control unit 140C may display information regarding the points obtained by the user through coupons or campaigns for each product. In that case, regardless of the difference between coupons or campaigns, the display control unit 140C may total up the points obtained by the user for each product and display the total points. Further, as another aspect, the drop-down list DL includes "Manufacturer", and when the user selects "Manufacturer", the display control unit 140C may display information regarding the points obtained by the user through coupons or campaigns for each manufacturer. In that case, regardless of the difference between coupons or campaigns, the display control unit 140C may total up the points obtained by the user for each manufacturer and display the total points.
[0064] In the above-described embodiment, the information management unit 140 determines the application of coupons or campaigns only for the electronic settlements executed by the settlement server 100, and displays in real time information regarding the benefits obtained by the user. However, the present embodiment is not limited to such a configuration. For example, the settlement server 100 may share the user's account ID with an external service server (for example, a server that provides a shopping function or an auction function) and jointly provide coupons (hereinafter, joint coupons) and / or conduct campaigns. In that case, when the application of a coupon or a campaign is determined in the external service server, the settlement server 100 may acquire the user's account ID and information regarding the benefits from the external service server and display them in real time on the user terminal device, or may display the information regarding the benefits on the user terminal device by means of the mini-app management function shown in FIGS. 17 and 18. Additional
[0065] When the settlement server 100 and an external service server jointly provide a joint coupon or a joint campaign, the display control unit 140C may cause the user terminal device 10 to display the point information obtained through the use of the electronic settlement service provided by the settlement server 100 and the point information obtained through the use of the external service provided by the external service server in a distinguishable manner. For example, on the screen shown in FIG. 17, the display control unit 140C may distinguish a region A6 representing information regarding points obtained by using a coupon in the electronic settlement service, a region A7 representing information regarding points obtained by using a campaign in the electronic settlement service, a region A6' representing information regarding points obtained by using a coupon in the external service, and a region A7' representing information regarding points obtained by using a campaign in the external service, and cause the user terminal device 10 to display them.
[0066] Furthermore, when the payment server 100 and an external service server provide a joint coupon or a joint campaign, the conditions for awarding points for the coupon or the campaign may be shared. As an example, as described above, the application condition for the campaign is that the cumulative amount calculated cumulatively by purchasing a specific product one or more times within the expiration date satisfies a predetermined amount. For example, when an external service server provides an online shopping service, the cumulative amount in this case may be the cumulative amount combined with the purchase through the electronic payment service and the purchase through the online shopping service. As another example, when the total of the points obtained by using the electronic payment service and the points obtained by using an external service is equal to or more than a predetermined value, the information management unit 140 may award additional points to the user's account.
[0067] According to the embodiment described above, payment information regarding an electronic payment executed by a user of the electronic payment service, which is a purchase of a product sold by a store affiliated with the electronic payment service, is acquired from the user's user terminal device together with the identifier of the product, and it is determined whether the identifier and the payment information satisfy the conditions for awarding a privilege set by the store. When it is determined that the identifier and the payment information satisfy the conditions for awarding a privilege, information regarding the privilege to be awarded is displayed on the user terminal device in real time. Thereby, information regarding a privilege awarded in response to the purchase of a product can be provided to the user in a highly convenient form.
[0068] [Modification Example] In the above-described embodiment, when the user purchases a specific product specified in advance (in the case of an exclusion coupon, when purchasing a product other than the specific product), the display control unit 140C causes the user terminal device 10 to display information regarding the specific product in real time. However, the present invention is not limited to such a configuration, and the coupon and the campaign may be provided with benefits when the product purchased by the user belongs to a specific category (in the case of an exclusion coupon, when it belongs to a category other than the specific category). Here, the category may be a product classification defined by law, or a product classification uniquely defined by the operator of the electronic payment service or the affiliated store.
[0069] FIG. 19 is a diagram showing an example of the content of coupon information 178A according to a modified example. The coupon information 178A is associated with information such as, for example, a coupon ID, a coupon name, a franchise store ID, a store ID, a category, a settlement amount, details of benefits, an exclusion coupon, an expiration date, and consent to provide settlement information. When the settlement information acquisition unit 140A acquires the product ID of the product purchased by the user by means of the electronic payment of Pattern 2, the benefit determination unit 140B determines whether the category of the product identified by the product ID matches the category of the coupon acquired by the user (in the case of an exclusion coupon, determines whether it matches a category other than the specific category). When the benefit determination unit 140B determines that the category of the product identified by the product ID matches the category of the coupon acquired by the user, the display control unit 140C causes the user terminal device 10 to display a settlement completion screen including, for example, the settlement amount, store information, coupon name, category name, etc. in real time. At this time, the display control unit 140C may also cause the user terminal device 10 to display the product name and / or the manufacturer in real time.
[0070] FIG. 20 is a diagram showing an example of the content of the campaign information 180A according to the modified example. The campaign information 180A is associated with information such as, for example, a campaign ID, a campaign name, a franchise store ID, a store ID, a category, a privilege content, an application condition, an excluded campaign, an expiration date, and an agreement to provide payment information. When the payment information acquisition unit 140A acquires the product ID of the product purchased by the user through the electronic payment of Pattern 2, the privilege determination unit 140B determines whether the category of the product identified by the product ID matches the category of any campaign (in the case of an excluded coupon, determines whether it matches a category other than a specific category). When the privilege determination unit 140B determines that the category of the product identified by the product ID matches the category of any campaign, the display control unit 140C causes the user terminal device 10 to display a payment completion screen including, for example, the payment amount, store information, coupon name, category name, etc. in real time. At this time, the display control unit 140C may also cause the product name and / or the manufacturer to be displayed on the user terminal device 10 in real time.
[0071] As described above, the embodiments for carrying out the present invention have been described using the embodiments. However, the present invention is not limited to such embodiments at all, and various modifications and substitutions can be made without departing from the gist of the present invention.
Description of Reference Numerals
[0072] 10 User terminal device 20 Payment application 100 Payment server 110 Communication unit 120 Payment content providing unit 130 Payment processing unit 140 Information management unit 140A Payment information acquisition unit 140B Privilege determination unit 140C Display control unit
Claims
1. A payment information acquisition unit acquires payment information relating to an electronic payment performed by a user of an electronic payment service, where the user purchased goods sold by a merchant participating in the electronic payment service, along with the identifier of the goods, from the user's user terminal device or the merchant's store terminal device. A reward granting unit determines whether the identifier and payment information meet the conditions for granting the reward, and if it is determined that the conditions for granting the reward are met, grants the reward to the user. The user terminal device includes a display control unit that displays historical information regarding the benefits previously granted to the user, The display control unit displays the history information on the user terminal device in association with the product identification information linked to the product identifier. Information processing device.
2. The store terminal device includes a POS device installed in the store of the affiliated store, The payment information acquisition unit acquires the payment information generated when the code image displayed on the user terminal device is read by the store terminal device from the store terminal device. The information processing apparatus according to claim 1.
3. The display control unit generates the history information based on the product identification information for a plurality of benefits previously granted to the user, The information processing apparatus according to claim 1.
4. The benefit includes a first benefit that becomes available when acquired in advance by the user, and a second benefit that is granted when an electronic payment is made that satisfies the granting conditions without requiring any prior action by the user. The display control unit displays, for each product identification information, the total points accumulated by the user, regardless of whether they are the first or second benefit, as the history information. The information processing apparatus according to claim 3.
5. The reward granting unit accumulates purchase records for each user of products corresponding to the granting conditions without requiring prior operation by the user, and grants the reward to the user in accordance with whether the accumulated purchase records satisfy the granting conditions. The information processing apparatus according to claim 1.
6. A payment information acquisition unit acquires payment information relating to an electronic payment performed by a user of an electronic payment service, where the user purchased goods sold by a merchant participating in the electronic payment service, along with the identifier of the goods, from the user's user terminal device or the merchant's store terminal device. The system includes a reward granting unit that determines whether the identifier and payment information meet the conditions for granting the reward, and grants the reward to the user if it is determined that the conditions for granting the reward are met, The reward granting unit integrates the user's purchase history through the electronic payment service and the user's purchase history through an external service different from the electronic payment service, and determines whether the integrated purchase history satisfies the rewarding conditions. Information processing device.
7. Computers The payment information relating to an electronic payment made by a user of an electronic payment service, for which goods sold by a merchant participating in the electronic payment service were purchased, is obtained from the user's terminal device or the merchant's store terminal device, along with the identifier of the goods. The system determines whether the identifier and payment information meet the conditions for granting the benefit, and if it is determined that the conditions for granting the benefit are met, it grants the benefit to the user. The user terminal device displays historical information regarding the benefits previously granted to the user, in association with product identification information linked to the product identifier. Information processing methods.
8. On the computer, An electronic payment made by a user of an electronic payment service, for which payment information relating to an electronic payment made for the purchase of goods sold by a merchant participating in the electronic payment service is obtained from the user's user terminal device or the merchant's store terminal device, along with the identifier of the goods. The system determines whether the identifier and payment information meet the conditions for granting the benefit, and if it is determined that the conditions for granting the benefit are met, the system grants the benefit to the user. The user terminal device displays historical information regarding the benefits previously granted to the user, in association with product identification information linked to the product identifier. program.
9. A system including a user terminal device for users of an electronic payment service and an information processing device, The information processing device obtains payment information relating to an electronic payment performed by the user for the purchase of goods sold by a merchant participating in the electronic payment service, along with the identifier of the goods, from the user terminal device or the merchant's store terminal device, determines whether the identifier and the payment information meet the conditions for granting the benefit, and if it is determined that the conditions for granting the benefit are met, grants the benefit to the user. The user terminal device displays historical information regarding the benefits previously granted to the user, in association with product identification information linked to the product identifier. system.