Benefit granting system, method for granting benefit, and benefit granting program

Abstract

To provide a benefit granting system, a method for granting a benefit, and a benefit granting program capable of granting lottery tickets as benefits of a credit card company, allowing lotteries to be conducted individually or collectively according to user needs, and enabling lottery results to be obtained efficiently.SOLUTION: A benefit granting system 100 includes receiving means 121, granting determination means 122, notification means 123, and lottery means 124. With this system, lottery tickets granted as benefits of credit card use can be drawn individually or collectively according to user needs, and users can know the results in real time. This is efficient and can enhance loyalty of users to the credit card company.SELECTED DRAWING: Figure 2

Description

[Technical Field]

[0001] The present invention relates to a system, method, and program for providing rewards to a credit card. [Background technology]

[0002] Credit card companies run various campaigns, such as offering rewards when the total amount spent exceeds a certain amount. In these campaigns, the rewards are awarded when the amount spent is deducted, so it may take several months for the rewards to be awarded to the user after the conditions are met. On the other hand, some campaigns offer rewards immediately after the credit card user makes a purchase.

[0003] Patent Document 1 discloses a reward system that can grant rewards at any timing, such as immediately after purchase, regardless of the credit card issuer's withdrawal policy. [Prior art documents] [Patent documents]

[0004] [Patent Document 1] Japanese Patent Publication No. 2023-20003 Summary of the Invention [Problem to be solved by the invention]

[0005] However, the invention described in Patent Document 1 discloses the timing of the awarding of optional benefits at the convenience of the credit card issuer, but does not disclose the timing of the awarding of benefits according to the needs of each credit card user. In a campaign that awards a lottery ticket as a benefit, there are cases where users want to enter the lottery immediately after receiving the lottery ticket and know the results, and cases where users do not enter the lottery immediately after receiving the lottery ticket, but enter the lottery for multiple lottery tickets at once when they have time, and want to know the results at any time.

[0006] The present invention has been proposed in view of the above-mentioned circumstances, and aims to provide a system, method, and program for granting a bonus, which allows users to draw lottery tickets individually or collectively according to their needs when granting lottery tickets as a bonus from a credit card company, and to efficiently know the results of the lottery. [Means for solving the problem]

[0007] In order to achieve the above-mentioned object, the credit card reward system of the present invention is characterized by comprising: a receiving means for creating email information based on received credit card usage information and read member attribute information; a reward determination means for determining whether or not a lottery ticket, which is a reward for using a credit card, should be awarded based on the email information, the reward determination means adding identification information of the subject determined to be awarded a lottery ticket to the email information to create lottery ticket award notification information; a notification means for notifying the subject that a lottery ticket will be awarded based on the lottery ticket award notification information; and a lottery means for conducting a lottery for the notified subject and notifying the subject of the results of the lottery in real time, the lottery means allowing the subject to select one of an individual lottery method and a collective lottery method as the lottery method. [Effects of the Invention]

[0008] According to the present invention, the lottery for receiving lottery tickets as a benefit for using a credit card can be drawn individually or collectively according to the needs of the user, and the results can be known in real time, which is efficient and can increase the user's loyalty to the credit card company. [Brief explanation of the drawings]

[0009] [Figure 1] 1 is a configuration diagram of a privilege granting system according to an embodiment of the present invention. [Figure 2] 2 is a diagram illustrating an example of the configuration of a card company server, a payment terminal, and a user terminal according to an embodiment of the present invention. FIG. [Figure 3]FIG. 3 is a diagram illustrating an example of a data structure of table data according to an embodiment of the present invention. [Figure 4] FIG. 2 is a diagram illustrating an example of a data structure of mail data according to an embodiment of the present invention. [Figure 5] 10 is a flowchart illustrating a table creation means of the privilege granting system according to the embodiment of the present invention. [Figure 6] 10 is a flowchart illustrating a receiving unit of the privilege granting system according to the embodiment of the present invention. [Figure 7] 10 is a flowchart illustrating a grant determination means of the privilege granting system according to the embodiment of the present invention. [Figure 8] 10 is a flowchart illustrating a notification means of the privilege granting system according to the embodiment of the present invention. [Figure 9] 10 is a flowchart illustrating a lottery means of the benefit granting system according to the embodiment of the present invention. [Figure 10] FIG. 10 is an explanatory diagram for explaining a notification means of the privilege granting system according to the embodiment of the present invention. [Figure 11] 10 is a screen diagram for explaining a lottery means of the privilege granting system according to the embodiment of the present invention. FIG. [Figure 12] FIG. 10 is another screen diagram for explaining the lottery means of the benefit awarding system according to the embodiment of the present invention. [Figure 13] FIG. 10 is yet another screen diagram illustrating the lottery means of the benefit awarding system according to the embodiment of the present invention. DETAILED DESCRIPTION OF THE INVENTION

[0010] Hereinafter, an embodiment of the present invention will be described with reference to the drawings.

[0011] An example of the overall configuration of a reward granting system 100 according to an embodiment of the present invention will be described with reference to Figure 1. The reward granting system 100 includes a card company server 101 within a credit card company 105, a payment terminal 103, and multiple user terminals 104a, 104b, etc. (hereinafter referred to as "user terminals 104").

[0012] 1, for convenience, only payment terminal 103 and user terminals 104a and 104b are shown, but the number of payment terminals 103 and user terminals 104 is not limited. Card company server 101, payment terminal 103, and user terminal 104 are connected to each other via network 102. Here, network 102 may be the Internet, a LAN (Local Area Network), or a WAN (Wide Area Network), and is not particularly limited.

[0013] The card company server 101 is a computer device that executes the processing of this embodiment. The card company server 101 is a server computer managed by the credit card company 105. Therefore, the card company server 101 may be implemented in a conventional card company system. The card company server 101 may be implemented by a single computer device, or may be implemented by multiple computer devices. The components and functions of the card company server 101 will be described later.

[0014] Payment terminal 103 is a card payment terminal installed in a member store that has concluded a member store contract with credit card company 105. Payment terminal 103 may be a stationary type installed in a storefront, or a portable type that can be carried by store staff. Payment terminal 103 is equipped with a credit card reader, and reads the credit card of user 106 by inserting it into payment terminal 103 or by touching it to make a payment, and transmits the usage data to card company server 101.

[0015] The user terminal 104 represents a terminal used by a credit card user 106 who uses the reward system 100. The user 106 can access the card company server 101 from the user terminal 104 and receive a lottery service based on the reward system 100.

[0016] Here, the user terminal 104 has a human interface such as a keyboard or touch panel, and specific examples include a desktop personal computer, a smartphone, a tablet or notebook personal computer, etc.

[0017] A user 106 is a person who purchases goods or services at a member store using a credit card. After purchasing goods or services, the user 106 receives a lottery ticket grant notification email and accesses the URL listed in the lottery ticket grant notification email to enter the lottery. This process will be described later.

[0018] An example of detailed components of the card company server 101 will be described with reference to FIG.

[0019] The card company server 101 includes a control unit 110, an input unit 111, an output unit 112, a memory unit 113, a transmission / reception unit 114, and a storage unit 116, and these elements are connected by a system bus 115. The components of the storage unit 116 will be described later.

[0020] The control unit 110 is also referred to as a processor, and indicates, for example, a CPU. The control unit 110 controls the above-mentioned components of the card company server 101 and performs data calculations. To execute each process according to this embodiment, the control unit 110 reads a program into the memory unit 113 and executes it. The program is stored in the storage unit 116, implements the functions executed by the reward granting system 100, and is executed by the reward granting system 100.

[0021] The input unit 111 receives operational instructions from the outside. Examples of the input unit 111 include a keyboard and a touch panel. The output unit 112 outputs data stored in the storage unit 116 and the results of arithmetic processing. Examples of the output unit 112 include a display and a printer.

[0022] The memory unit 113 is a volatile data storage device that stores data, computer-executable instructions, etc. on the card company server 101. The memory unit 113 is implemented by RAM such as DRAM (Dynamic Random Access Memory) or SRAM (Static Random Access Memory).

[0023] The transmitting / receiving unit 114 communicates with the card company server 101, the payment terminal 103, and the user terminal 104 via the network 102. For example, the payment terminal 103 transmits credit card usage data to the card company server 101 via the transmitting / receiving unit 114. The card company server 101 transmits lottery data to the user terminal 104 via the transmitting / receiving unit 114. The lottery data will be described later.

[0024] The memory unit 116 is implemented by any storage device such as a ROM, HDD, SSD, etc. The memory unit 116 includes a table creation means 120, a receiving means 121, a grant determination means 122, a notification means 123, and a lottery means 124, which are processes executed by the reward granting system 100. The memory unit 116 further includes a member attribute memory unit 130, a table memory unit 131, an email information memory unit 132, a reward information memory unit 133, a non-eligible information memory unit 134, and a lottery information memory unit 135, which store data handled by the reward granting system 100.

[0025] Of the system components shown in Figure 2, we will explain the data stored in the member attribute memory unit 130, table memory unit 131, email information memory unit 132, grant information memory unit 133, non-eligible information memory unit 134, and lottery information memory unit 135 in the memory unit 116 of the card company server 101.

[0026] The member attribute storage unit 130 is a database that stores credit card member attribute data. A credit card member (hereinafter referred to as "member") refers to a person who has applied to the credit card company 105, been issued a card, and is now able to use the card.

[0027] Member attribute data, which is member attribute information, is data such as card number data, card name data, member ID, and member information data that are associated with the card number and member ID assigned to each member on a card-by-card basis. The card number and member ID can be used to identify the member, who is a credit card user. Member IDs will be described later. Member information data includes the member's name data, gender data, address data, age data, contact data such as phone number and email address, annual income data, billing account number data, benefit status data, campaign application information data, and email notification data indicating whether or not a credit card usage notification email has been received.

[0028] The table storage unit 131 is a database that stores table data 300 shown in Fig. 3. The table data 300 will be described with reference to Figs.

[0029] The table data 300 is created by the table creation means 120. The table data 300 is data used to identify the user 106 when the award determination means 122 creates lottery ticket award notification data based on the email data 400. The table creation means 120 and the award determination means 122 will be described later.

[0030] Table data 300 in FIG. 3 indicates data including email address data 302 and card name data 303 of user 106 associated with member ID 301 that identifies user 106 on a card-by-card basis as registered in the online system of credit card company 105. The content of member ID 301 is not limited to this and may be another member identification number. Table data 300 is not limited to these data items and may also include other data items. Furthermore, table data 300 may not include member ID 301, but may instead include email address data 302 and card name data 303.

[0031] The mail information storage unit 132 is a database that stores the mail data 400 shown in Fig. 4. The mail data 400 will be described with reference to Figs.

[0032] The email data 400 is created by the receiving means 121. A lottery ticket award notification email is sent to the lottery recipient based on the email data 400. The receiving means 121 and the lottery ticket award notification email will be described later.

[0033] 4 indicates data in which card name data 402, transaction date and time data 403 indicating the date and time the card payment transaction was made, business category data 404 indicating the details of the card payment transaction such as sales, payment amount data 405 indicating the amount of the card payment, affiliated store name data 406 indicating the affiliated store where the card payment transaction was made, and email address data 407 of user 106 are associated with member ID 401. Email data 400 is not limited to these data items and can include other data items as well.

[0034] The lottery ticket grant notification data is stored in the grant information storage unit 133 by the grant determination means 122, and is sent as a lottery ticket grant notification email to the person who will be granted the benefit through the lottery. This process will be described later.

[0035] The non-eligible information storage unit 134 stores mail data 400 for which the grant determination means 122 has determined that a lottery ticket should not be granted.

[0036] The lottery information storage unit 135 stores data including lottery history information data such as lottery date and time and winning / losing information, campaign ID, and point data indicating the winning amount, all of which are associated with the member ID.

[0037] Next, with reference to FIGS. 1 to 13, the processes of the table creation means 120, receiving means 121, award determination means 122, notification means 123, and lottery means 124 in the storage unit 116 of the card company server 101 will be described.

[0038] The processing of the table creation means 120 will be described with reference to FIGS.

[0039] The table creation means 120 reads the member attribute storage unit 130 to acquire member attribute data (step S501).

[0040] The table creation means 120 acquires the member ID, email address data, and card name data from the acquired member attribute data, and outputs them as table data 300 including the member ID 301, email address data 302, and card name data 303 shown in Fig. 3 (step S502). The created table data 300 is used by the grant determination means 122, which will be described later.

[0041] The processing of the receiving means 121 will be described with reference to FIGS.

[0042] User 106 purchases goods or services with a credit card and makes the payment at payment terminal 103. Receiving means 121 receives usage data, which is usage information of user 106's credit card, from payment terminal 103 (step S601).

[0043] Credit card usage data includes authorization data. Authorization data, also known as a credit inquiry message, is data used to determine whether a credit card is legitimate and to confirm the available balance. Authorization data includes data such as the credit card number, transaction date and time, business category data indicating the business content such as sales, payment amount data, approval number data indicating that the transaction has been approved by the card company, and merchant name data, all associated with a transaction ID that identifies the card payment transaction. Whether a transaction is a face-to-face transaction conducted at a store or an online or other non-face-to-face transaction can be determined by the "POS input mode" specified in ISO8583 that accompanies the generation of authorization data.

[0044] Next, the receiving means 121 reads the member attribute storage unit 130 to acquire member attribute data. The receiving means 121 searches for the card number data in the acquired member attribute data using the card number data of the authorization data received in step S601 as a search key. If the card numbers match, the receiving means 121 acquires the member ID, email address data, which is one of the member's contact points, and card name data from the member attribute data in which the email notification data in the member attribute data is "receive usage notifications by email." Email data 400 is created only for users 106 who "receive usage notifications by email."

[0045] The receiving means 121 acquires transaction date and time data, business category data, payment amount data, and affiliated store name data from the authorization data that matches the search key. From the acquired data, the receiving means 121 creates email data 400, which includes member ID 401, card name data 402, transaction date and time data 403, business category data 404, payment amount data 405, affiliated store name data 406, and email address data 407, and outputs the email data 400 to the email information storage unit 132 (step S602).

[0046] In step S602, email data 400 was created only for users 106 who "receive usage notifications by email," but the means of receiving usage notifications is not limited to email, and email data 400 may be created for users 106 who wish to receive usage notifications via an app or SNS (social networking service), etc.

[0047] The processing of the grant determination means 122 will be described with reference to FIGS.

[0048] The grant determination means 122 reads the table data 300 created by the table creation means 120 and the mail data 400 created by the reception means 121 (step S701).

[0049] The grant determination means 122 acquires the card name data 303 and the email address data 302 from the table data 300. The grant determination means 122 searches the card name data 402 and the email address data 407 in the email data 400 using the card name data 303 and the email address data 302 as search keys.

[0050] The grant determination means 122 acquires the email data 400 that matches the search key from the table data 300 (step S702). The acquired email data 400 corresponds to the user 106 who is a member.

[0051] In step S702, the card name data 303 and the email address data 302 are used as search keys, but the search keys are not limited to these.

[0052] The award determination means 122 determines whether the payment amount data 405 of the read email data 400 is equal to or greater than a predetermined amount in order to determine whether a lottery ticket can be awarded to the user (step S703). "Payment amount data 405 is equal to or greater than a predetermined amount" refers to, for example, the case where the payment amount data 405 of the user 106 is equal to or greater than 2,000 yen.

[0053] In step S703, if it is determined that the payment amount data 405 is equal to or greater than the predetermined amount, the process proceeds to step S704. On the other hand, if it is determined that the payment amount data 405 is less than the predetermined amount, the process proceeds to step S706.

[0054] When the process proceeds to step S704, the grant determination means 122 determines whether to receive the usage notification by email (step S704). In this embodiment, since the email data 400 is created only for the user 106 who receives the usage notification by email, if the email data 400 exists, the grant determination means 122 determines that "the usage notification will be received by email."

[0055] If it is determined in step S704 that "the usage notification is received by email", the process proceeds to step S705. On the other hand, if it is not determined that "the usage notification is received by email", the process proceeds to step S706.

[0056] In steps S703 and S704, it is determined whether or not to hold a lottery for the user 106 based on the payment amount and the means of receiving the usage notification, but the conditions for determining whether or not to hold a lottery are not limited to these.

[0057] For example, the conditions for the lottery can be set arbitrarily, such as holding a lottery when the affiliated store name data 406 is a specific affiliated store, holding a lottery when the transaction is non-face-to-face and the payment amount is above a specified amount, or holding a lottery when the user 106 is applying for a specific campaign such as touch payment.

[0058] When the process proceeds to step S705, the grant determination means 122 determines that the email data 400 is eligible to receive a lottery ticket, and grants an email management number for a lottery ticket grant notification email to the email data 400. The grant determination means 122 outputs the email data 400 with the email management number granted to it as lottery ticket grant notification data, which is lottery ticket grant notification information, to the grant information storage unit 133 (step S705). By granting the email data 400 a unique email management number that identifies the recipients of the lottery ticket distribution email, it is possible to identify the recipients of the bonus awarded by the lottery.

[0059] The lottery ticket grant notification data is sent as a lottery ticket grant notification email to the person who is eligible to receive the benefit through the lottery by notification means 123, which will be described later.

[0060] On the other hand, if the award determination means 122 proceeds to step S706 in steps S703 and S704 and determines that the mail data 400 is not eligible for a lottery ticket award, it outputs the mail data 400 to the ineligible information storage unit 134 (step S706).

[0061] The processing of the notification means 123 will be described with reference to FIGS.

[0062] The notification means 123 reads and acquires the lottery ticket grant notification data from the grant information storage unit 133 (step S801).

[0063] The notification means 123 sends a usage notification email indicating the details of credit card usage to the target person, and then creates a lottery ticket grant notification email 1000 shown in Fig. 10 based on the lottery ticket grant notification data and sends it in real time to the target person's user terminal 104 according to the target person's email address (step S802). The lottery ticket grant notification email 1000 is an email notifying the target person that a lottery ticket will be granted as a benefit for using their credit card. The lottery ticket grant notification email 1000 contains a URL 1001 that links to a site where a lottery can be entered when clicked.

[0064] After receiving the lottery ticket grant notification email 1000, the target person may access a site where the lottery can be entered by logging in to an app issued by the credit card company 105.

[0065] The processing of the lottery means 124 will be described with reference to FIGS. 8, 9, and 11 to 13.

[0066] After receiving the lottery ticket grant notification email 1000, the target person clicks on the URL 1001. The lottery means 124 transmits lottery data in response to the click by the user 106, and displays it on the user terminal 104 as the lottery screen 1100 shown in FIG. 11 (step S901).

[0067] The lottery screen 1100 is a screen on which the target person can enter a lottery as a benefit of using a credit card. The number of lottery tickets 1101 indicates the number of lottery tickets the target person has. The number of lottery tickets increases according to the number of lottery ticket grant notification emails 1000 sent by the notification means 123 in step S802 based on the user 106 making a purchase with a credit card, and decreases according to the number of lottery tickets the target person has entered. The target person can also save the lottery tickets without entering the lottery immediately after receiving the lottery ticket grant notification email 1000.

[0068] When the target person selects the individual lottery button 1102 or the collective lottery button 1103, the lottery means 124 receives the input information and conducts the lottery (step S902). Note that the lottery can also be conducted using an existing lottery program.

[0069] When a target person clicks the individual lottery button 1102, one lottery can be drawn for one lottery ticket. When a lottery is drawn using the individual lottery method using the individual lottery button 1102, for example, the number 1101 decreases from "20 lottery tickets remaining" to "19 lottery tickets remaining."

[0070] If the subject clicks the batch lottery button 1103, the subject can enter lotteries for multiple lottery tickets at once. For example, if the subject wants to enter 10 lotteries at once, the subject can enter 10 lotteries at once by clicking the batch lottery button 1103. When the subject enters lotteries using the batch lottery button 1103, for example, the number 1101 decreases from "20 lottery tickets remaining" to "10 lottery tickets remaining."

[0071] When a target person clicks the collective lottery button 1103 to enter a lottery, any number of tickets that can be entered at once may be set. For example, if the number of tickets 1101 is nine or less and the collective lottery button 1103 is clicked, all lottery tickets in possession may be consumed. Also, the method for performing the collective lottery may be set arbitrarily, such as consuming lottery tickets starting with the oldest acquired ticket.

[0072] The lottery screen 1100 can be set to any screen, such as using animation using characters specific to the credit card company 105.

[0073] After the lottery is conducted, the lottery means 124 notifies the lottery result in real time (step S903). If the lottery result is lost, the lottery means 124 displays "loser", and if the lottery result is won, the lottery means 124 displays "win" and a message saying "check the winning details". Note that these displays are merely examples and are not limited to these.

[0074] When the winner clicks on the display "Check the winning details", the lottery means 124 displays the winning details screen 1200 shown in Fig. 12. The amount display 1201 displays the amount of the winnings. When the winner clicks on the code display 1202, the screen transitions to the receiving screen 1300 shown in Fig. 13. Note that the prize to be won is not limited to a monetary amount, and can be any amount such as a coupon.

[0075] The winner can receive the winning amount by clicking the receive button 1301. For example, in FIG. 13, the winner can receive the second prize of 500 yen.

[0076] The remaining number 1302 indicates the number of lottery tickets that can be used by the target person to draw again after the target person has drawn once.

[0077] The target person can again draw the lottery by the individual lottery method or the collective lottery method by clicking the individual lottery button 1303 or the collective lottery button 1304. The target person can repeat steps S902 and S903 until the remaining number 1302 becomes 0 (step S904).

[0078] The lottery means 124 writes the lottery history, point data indicating the winning amount, and the like to the lottery information storage unit 135 (step S905). The lottery history refers to the date and time when the subject entered the lottery, and the storage period can be limited, such as "the most recent one month." The point data is cumulatively added to past point data and managed as cumulative point information.

[0079] When the lottery means 124 conducts the lottery in step S903, it can read the lottery information storage unit 135 and vary the winning rate. For example, it can increase the winning rate of the lottery if there have been many lottery draws in the past month or if the target person has acquired a large number of cumulative points. The conditions for increasing the winning rate of the lottery are not limited to these and can be set arbitrarily.

[0080] The processes described in the above embodiments do not necessarily have to be executed in the order described, but may be executed in any order, or multiple processes may be executed simultaneously. Furthermore, additional processes may be newly added without departing from the basic concept of the present invention.

[0081] The reward granting system 100 according to this embodiment is configured as described above. Next, the effects of the reward granting system 100 will be described.

[0082] According to this embodiment, after the results of the lottery are notified in real time, the target person can be allowed to select again one of the individual lottery method and the collective lottery method depending on the number of remaining lottery tickets. Therefore, as long as there are remaining lottery tickets, the target person can repeatedly enter the lottery using the individual lottery method or the collective lottery method according to their convenience and efficiently check the results, thereby fostering loyalty to the credit card company.

[0083] According to this embodiment, the award determination means determines whether or not to award the lottery ticket based on the user's payment amount and the means of receiving the usage notification, so that lottery tickets can be awarded to users whose payment amount is above a certain level, thereby increasing users' motivation to purchase with credit cards. Furthermore, when lottery tickets are awarded to users who receive usage notifications by email, the lottery tickets can be awarded using the same system as for the usage notification email, which is economical.

[0084] According to this embodiment, the award determination means determines whether or not to award a lottery ticket based on at least one of credit card usage information at a specific affiliated store and the user's campaign application information, thereby increasing the user's desire to purchase with a credit card at a specific affiliated store and encouraging users to apply for campaigns.

[0085] According to this embodiment, the lottery means varies the winning rate based on at least one of the number of lottery draws in history and the cumulative point information acquired by the target person, so that the probability of winning increases as a result of conducting more lotteries, thereby increasing the user's desire to make purchases with a credit card.

[0086] Although the embodiments of the present invention have been described above, it goes without saying that the present invention is not limited to these embodiments and can be embodied in various forms without departing from the spirit of the present invention. For example, the roles of the means 120 to 124 of the privilege granting system 100 and the memory unit 116 of the card company server 101 are not limited to the above examples. [Explanation of symbols]

[0087] 100 Bonus Granting System 101 Card company server 102 Network 103 Payment terminal 104a, 104b User terminal 105 Credit card companies 106 User 110 control section 111 Input section 112 Output section 113 Memory section 114 Transmitter / Receiver 115 System Bus 116 Memory section 120 Table Creation Method 121 Receiving means 122 Grant determination means 123 Means of Notification 124 Lottery Method 130 Member attribute memory section 131 Table storage section 132 Mail information storage unit 133 Addition information storage unit 134 Non-target information storage unit 135 Lottery information storage unit 1100 Lottery Screen 1200 Winning details screen 1300 Receiving screen

Claims

1. A credit card reward system, a receiving means for creating email information based on the received credit card usage information and the read member attribute information; an award determination means for determining whether or not a lottery ticket, which is a benefit for using a credit card, should be awarded based on the email information, and for creating lottery ticket award notification information by adding identification information of a person who has been determined to be awarded the lottery ticket to the email information; a notification means for notifying the target person that the lottery ticket will be awarded based on the lottery ticket award notification information; a lottery means for holding a lottery for the target person who has received the notification and notifying the target person of the result of the lottery in real time, the lottery means being capable of allowing the target person to select one of an individual lottery method and a collective lottery method as the lottery method; A reward system with

2. The bonus awarding system of claim 1, wherein after notifying the result of the lottery in real time, the target person can be allowed to reselect one of the individual lottery method and the collective lottery method depending on the number of remaining lottery tickets.

3. 3. The privilege granting system according to claim 2, wherein the granting determination means determines whether or not to grant the lottery ticket based on the amount of payment made by the user and the means of receiving the usage notification.

4. The bonus awarding system according to claim 2, wherein the awarding determination means determines whether or not to award the lottery ticket based on at least one of credit card usage information at a specific affiliated store and campaign application information of the user.

5. 3. The bonus awarding system according to claim 2, wherein the lottery means varies the winning rate based on at least one of the number of lottery draws in history and the cumulative points acquired by the target person.

6. 1. A method implemented in a credit card reward system, comprising: creating email information based on the received credit card usage information and the read member attribute information; a step of determining whether or not a lottery ticket, which is a benefit for using a credit card, should be awarded based on the email information, and creating lottery ticket award notification information by adding identification information of the person who has been determined to be awarded the lottery ticket to the email information; a step of notifying the target person that the lottery ticket will be awarded based on the lottery ticket award notification information; a step of holding a lottery for the target person who has received the notification and notifying the result of the lottery in real time, wherein the target person can select one of an individual lottery method and a collective lottery method as the lottery method; A method for providing

7. A program for causing a computer to execute the method according to claim 6.

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