Information processing device, information processing method and program

Abstract

To provide an information processing device for generating useful information.SOLUTION: An information processing device for providing an electronic settlement service, includes: in response to a user executing an operation to obtain an electronic coupon for an electronic settlement service included in a service screen provided by a service server for providing services different from the electronic settlement service, acquiring identification information of a user and first access path information representing that an operation has been performed via the service screen, from the terminal device of the user; in response to acquisition of the first access path information, storing first information formed by associating the electronic coupon and the first access path information, with the user identification information managed in a storage unit; and when an electronic settlement for the electronic settlement service using the electronic coupon is executed, storing and managing second information formed by associating the electronic coupon, the first access route information, and information representing that the electronic coupon has been used, with the user identification information managed in the storage unit.SELECTED DRAWING: Figure 1

Description

[Technical Field]

[0001] The present invention relates to an information processing device, an information processing method, and a program. [Background technology]

[0002] Conventionally, a point management server has been disclosed that, when a point voucher with a coupon is issued, associates the point voucher with the coupon and stores the association in a memory unit 19, receives point voucher usage history information from a store system 2, measures the usage history of the coupon associated with the point voucher, and executes billing processing according to the coupon usage history (see Patent Document 1). [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Japanese Patent Publication No. 2020-004386 Summary of the Invention [Problem to be solved by the invention]

[0004] Conventional technologies have sometimes been unable to generate useful information. For example, they have not taken into account the access route through which the coupon was acquired. As a result, it has sometimes been impossible to determine whether other services contributed to the use of the coupon.

[0005] The present invention has been made in consideration of the above circumstances, and an object thereof is to provide an information processing device, an information processing method, and a program that can generate useful information, for example, information for determining the contribution of other services to the electronic payment service. [Means for solving the problem]

[0006] One aspect of the present invention is an information processing device that provides an electronic payment service, comprising: an acquisition unit that acquires, from the user's terminal device, identification information of the user and first access route information indicating that the service screen was passed through in response to a user performing an operation to obtain an electronic coupon for an electronic payment service included in a service screen displayed on a display unit of the user's terminal device provided by a service server that provides a service different from the electronic payment service; and a processing unit that, in response to acquiring the first access route information, stores first information that associates the electronic coupon and the first access route information with the user's identification information managed in a memory unit; and, when an electronic payment for the electronic payment service using the electronic coupon is performed, stores and manages second information that associates the electronic coupon, the first access route information, and information indicating that the electronic coupon has been used with the user's identification information managed in the memory unit. [Effects of the Invention]

[0007] According to one aspect of the present invention, it is possible to generate useful information. For example, it is possible to obtain information for determining the degree of contribution of other services to the electronic payment service. By referring to this information, it is possible to provide compensation to other services according to the degree of contribution. [Brief explanation of the drawings]

[0008] [Figure 1] FIG. 1 is a diagram illustrating an example of a configuration for realizing an electronic payment service. [Figure 2] This is a sequence diagram (part 1) illustrating the general flow of electronic payment. [Figure 3] This is a sequence diagram (part 2) illustrating the general flow of electronic payment. [Figure 4] FIG. 2 is a configuration diagram of a payment server 100. [Figure 5] FIG. 10 is a diagram showing an example of the contents of user information 172. [Figure 6] FIG. 10 is a diagram illustrating an example of coupon information. [Figure 7] FIG. 10 is a diagram showing an example of the contents of affiliated store / store information 176. [Figure 8] FIG. 1 is a diagram for explaining a scheme in this embodiment. [Figure 9] FIG. 10 is a diagram illustrating a process in which a coupon for an electronic payment service is posted in a service. [Figure 10] FIG. 10 is a diagram illustrating a process in which a coupon for an electronic payment service is posted in a service. [Figure 11] 10 is a flowchart showing an example of the flow of processing executed by the payment server 100. [Figure 12] FIG. 10 is a diagram illustrating a process for obtaining a coupon for an electronic payment service in a service. [Figure 13] 10 is a diagram illustrating the processing executed by the cooperative processing unit 150. FIG. [Figure 14] FIG. 10 is a diagram showing an example of the contents of coupon information 173 associated with payment amounts. [Figure 15] FIG. 10 is a diagram illustrating the aggregation of fees. [Figure 16] FIG. 10 is a diagram showing an example of an interface screen that the payment server 100 provides when an affiliated store creates a coupon. DETAILED DESCRIPTION OF THE INVENTION

[0009] Hereinafter, with reference to the drawings, embodiments of an information processing device, an information processing method, and a program according to the present invention will be described. Various devices, such as the "server" mentioned below, that provide services to users or perform internal analysis may be realized by a group of distributed devices, and each device may be operated by a different business. Furthermore, the owner of the device hardware (the cloud server provider) and the business that actually operates the device may also be different. An application program and a payment server work together to provide an electronic payment service. In the following description, the application program is referred to as a payment app. An electronic payment service is a service that supports payments for the purchase of goods and services at a store. A store is, for example, a physical store (real-world store) that exists in real space, but may also include a virtual store for e-commerce. A virtual store may also include a store provided by an entity different from the operator of the electronic payment service. In such a case, when paying for purchases at the virtual store, the user is controlled to transition to the interface screen of the electronic payment service. In an electronic payment service, a store is treated as belonging to, for example, an affiliated store (brand), and when a purchase is made at a store, processing such as payment is primarily conducted between the user and the affiliated store. Alternatively, processing such as payment may be conducted between the user and the store.

[0010] [Electronic payment service] FIG. 1 shows an example of the configuration of an electronic payment system in which an electronic payment service is realized. The electronic payment service is realized mainly by a payment server 100. An electronic payment system that realizes the electronic payment service includes, for example, one or more user terminal devices 10, one or more first store terminal devices 50, one or more second store terminal devices 70, the payment server 100, and a service server 200. These devices communicate, for example, 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 a network of a payment system such as a credit card. The electronic payment system or the payment server 100 is an example of an "information processing device."

[0011] Some or all of the functional components included in the electronic payment system may be distributed across multiple devices in any form, or may be integrated into any device. For example, some or all of the functional components of the payment server 100 may be included in another device.

[0012] [User terminal device] The user terminal device 10 is, for example, a portable terminal device such as a smartphone or tablet terminal. The user terminal device 10 is a computer device having at least an optical reading function, a communication function, a display function, an input acceptance function, and a program execution function. In the following description, components for realizing these functions are referred to as a camera, a communication device, a touch panel, a CPU (Central Processing Unit), etc. In the user terminal device 10, a processor such as a CPU executes a payment app 20, which operates in cooperation with the payment server 100 to provide electronic payment services to users. The payment app 20 is installed on the user terminal device 10 from, for example, an application store, and controls the camera, communication device, touch panel, etc.

[0013] [First store terminal device] The first store terminal device 50 is installed, for example, in a store. The first store terminal device 50 is a computer device having at least a product price acquisition function, an optical reading function, a program execution function, and a communication function. The first store terminal device 50 includes a so-called POS (Point of Sale) device, and the product price acquisition function and the optical reading function may be realized by the POS device. The store code image 60 is placed in the store and is a code image such as a QR code (registered trademark) printed on a paper or plastic medium. The store code image 60 may be displayed on a display placed in the store (which may be the display of a terminal device such as a smartphone).

[0014] [Second store terminal device] The second store terminal device 70 is used by the operator of the affiliated store. The second store terminal device 70 is a smartphone, tablet terminal, personal computer, etc. An interface for affiliated stores 72 runs on the second store terminal device 70. The interface for affiliated stores 72 may be an app for affiliated stores or a browser. The interface for affiliated stores 72 accepts coupon settings and the like from the operator of the affiliated store and transmits them to the payment server 100. The second store terminal device 70, which is a smartphone, has the function of displaying a code image corresponding to a store code image and reading the code image displayed by the user terminal device 10 by executing the app for affiliated stores.

[0015] [Service Server] The service server 200 provides a service to a user. The service server 200 provides, for example, a service other than an electronic payment service to a user. The service is a service that introduces to a user information on multiple stores, including some or all of the stores that are affiliated with the electronic payment service. The service is, for example, a service that lists information on restaurants, hotels, inns, golf courses, beauty salons, hospitals, other facilities, and various retailers. The above is just one example, and facilities other than the above may also be targeted. The service is, for example, a service that lists real stores on a service screen for each store and lists reviews of the store, service content, prices, and reviews. The service may also be a map information providing service. The map information providing service is, for example, a service that provides users with information showing the location and details of the store on a map. The stores handled by the service may partially or completely overlap with the affiliated stores of the electronic payment service.

[0016] [Payment server] The payment server 100 realizes electronic payment based on payment information received from the user terminal device 10 or the first store terminal device 50. The first store terminal device 50 may include a POS device and an affiliated store server, in which case payment information is sent from the POS device via the affiliated store server to the payment server 100. In the following explanation, this distinction will not be made and it is assumed that payment information is sent from the first store terminal device 50.

[0017] 2 and 3 are sequence diagrams illustrating the general flow of electronic payment. There may be two patterns for electronic payment: Pattern 1 and Pattern 2.

[0018] In the case of pattern 1 (hereinafter referred to as user scan) shown in FIG. 2, the user terminal device 10, with the payment application 20 running, decodes the store code image 60 using its optical reading function (S1). The store code image 60 includes store URL (Uniform Resource Locator) information. This store URL is the domain of the electronic payment service to which store identification information has been added, and is associated with an affiliated store ID, store ID, etc. in the payment server 100 (described below). The payment application 20 sends first payment information including the store URL and account ID to the payment server 100 (S2). The payment server 100 searches for store information (described below) using the affiliated store ID and store ID corresponding to the store URL, acquires the affiliated store name and store name information (S3), and sends this to the payment application 20 (S4). The user enters the payment amount into the user terminal device 10 on the screen displaying the affiliated store name and store name (S5). Then, the user terminal device 10 generates second payment information including at least the payment amount and sends it to the payment server 100 (S6). The payment server 100 makes the electronic payment based on the received second payment information (S7). The payment server 100 then sends a payment completion notice (information for displaying a payment completion screen) to the payment app 20 (S8), and the payment app 20 displays the payment completion screen (S9). Note that when the store code image 60 is displayed on a display installed in the store, the store code image 60 may include information on the payment amount in addition to the store URL. In this case, the step of the user inputting the payment amount is omitted, and the payment amount information is included in the first payment information and sent to the payment server 100. Information on the affiliated store name and store name may be included and displayed on the payment completion screen.

[0019] In the case of pattern 2 (hereinafter referred to as store scan) shown in FIG. 3, the payment app 20 sends a request to issue a one-time code to the payment server 100 when the payment app 20 is launched, when a payment operation is performed in the payment app 20, at the automatic update timing (e.g., every minute), and at other timings (S11). The payment server 100 generates a one-time code (S12) and sends it to the payment app 20 (S13). The payment app 20 displays a code image, such as a QR code or barcode, generated based on the one-time code (S14). The user holds (presents) the display surface of the user terminal device 10 over the first in-store terminal device 50, and the first in-store terminal device 50 decodes the code image using its optical reading function and obtains the one-time code, etc. (S15). The first in-store terminal device 50 then generates payment information including the one-time code, payment amount, affiliated store ID, store ID, etc., and sends it to the payment server 100 (S16). The payment amount information is acquired in advance by reading a barcode, manually entering it, etc. Based on the received information, the payment server 100 identifies the user corresponding to the one-time code and performs electronic payment (S17). Then, the payment server 100 sends a payment completion notice to the payment application 20 (S18), and the payment application 20 displays a payment completion screen (S19).

[0020] Note that electronic payment may be performed using only one of the above patterns. Furthermore, the "account ID" described in FIG. 2 may be other information (e.g., a phone number) that can be used as user identification information. Furthermore, issuing a one-time code may be omitted in store scanning, and the payment application 20 may display a code image generated based on the user's account ID. In this case, the payment server 100 identifies the user corresponding to the account ID instead of identifying the user corresponding to the one-time code.

[0021] [Payment server functional configuration] 4 is a configuration diagram of the payment server 100. The payment server 100 includes, for example, a communication unit 110, a content providing unit 120, a payment processing unit 130, an information processing unit (processing unit) 140, and a storage unit 170. The components other than the communication unit 110 and the storage unit 170 are realized by, for example, a hardware processor such as a CPU executing a program (software). Some or all of these components may be realized by hardware (including circuitry) such as an LSI (Large Scale Integration), an ASIC (Application Specific Integrated Circuit), an FPGA (Field-Programmable Gate Array), a GPU (Graphics Processing Unit), or an SOC (System On Chip), or may be realized by a combination of software and hardware. The program may be stored in advance in a storage device such as an HDD (Hard Disk Drive) or flash memory (a storage device with a non-transitory storage medium), or may be stored in a removable storage medium (a non-transitory storage medium) such as a DVD or CD-ROM, and installed in the storage device by inserting the storage medium into a drive device.

[0022] The storage unit 170 is a HDD, flash memory, RAM (Random Access Memory), etc. The storage unit 170 may be a NAS (Network Attached Storage) device that the payment server 100 can access via a network. The storage unit 170 stores information such as user information 172 including coupon information 173, content information 174, affiliated store / shop information 176, etc. Some of this information may be stored in the storage unit of the user terminal device 10.

[0023] The communication unit 110 is a communication interface for connecting to the network NW, and is, for example, a network interface card.

[0024] The content providing unit 120 has, for example, a web server function, and provides information (content) for displaying various screens of the electronic payment service to the user terminal device 10. The content providing unit 120 reads out necessary content from the content information 174 as appropriate and provides it to the user terminal device 10. The user terminal device 10 accepts various inputs from the user while content is being played by the payment application 20, and transmits the above-mentioned payment information and the like to the payment server 100. The above content may be generated by the payment application 20. In this case, the content providing unit 120 provides the payment application 20 with information necessary for generating the content.

[0025] 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.

[0026] [User information] FIG. 5 is a diagram showing an example of the contents of user information 172. User information 172 is an example of user registration information. User information 172 includes, for example, a user URL, account ID, telephone number, and password, as well as associated information such as email address, user ID, name, address, date of birth, registration date, charge balance, credit card payment settings, credit card limit, credit card payment amount, available credit card payment amount, payment method settings, bank account, credit card number, charge history information, and payment history information. The user URL is used for remittance processing between users. Registration of a telephone number and password is required when registering for an electronic payment service. The account ID is issued to the user by the payment server 100, and the user ID can be set by the user (or does not have to be set). Similarly, the email address, name, address, and date of birth can be set by the user (or do not have to be set). The registration date is the date on which the user registered for the electronic payment service (the date on which the account was created). Hereinafter, the user's instance (electronic payment account) to which this information is associated will be referred to as an account.

[0027] The charge balance indicates the balance of electronic money set by the user by transferring funds to the account in advance. Transfer methods include transfers from a designated bank's ATM (Automatic Teller Machine) or from a registered bank account. The credit payment setting indicates whether the settings for electronic credit payment have been completed and is set to either "Completed" or "Not Completed." The credit payment limit is the monthly credit payment limit. The credit payment amount is the amount of credit payment already used in the current month. The available credit payment amount is the amount of credit payment available in the current month, calculated by subtracting the credit payment amount from the credit payment limit. While the figure shows only one credit payment limit, in reality, there may also be daily limits, and the lower of these may be set as the credit payment limit. Further details on credit payments will be discussed later. The payment method setting indicates whether the user will currently make electronic payments using the charge balance or by credit payment. The bank account and credit card number are information on the bank account or credit card number (account number, card number) that can be used to deposit funds into the electronic payment service. The charge history information is a history of the user's previous transfers to the electronic payment service to increase the charge balance. The payment history information is information that shows the breakdown of payments made by the user for each payment (date and time, store ID of the store where the purchase was made, payment amount, payment method, etc.). The information for identifying the user in the user information 172 is an example of user identification information.

[0028] User information 172 includes coupon information 173. Fig. 6 is a diagram showing an example of coupon information 173. Coupon information 173 is, for example, information indicating coupons that can be used by a user. A coupon is a right that allows a user to receive discounts, benefits, etc. in electronic payment services.

[0029] Coupon information 173 includes, for a user ID, a coupon ID, the ID of the affiliated store where the coupon with the coupon ID can be used, the acquisition route by which the user obtained the coupon, the coupon content, and the usage status (used or not used). The acquisition route is information indicating the access route by which the coupon was obtained. For example, this is information indicating that the coupon was obtained via a screen provided by an application program of a certain service, or information indicating that the coupon was obtained via a screen provided by a certain service server. Details of this information will be described later.

[0030] [Affiliated store / store information] FIG. 7 is a diagram showing an example of the contents of affiliated store / store information 176. The affiliated store / store information 176 includes, for example, a first table 176A in which affiliated store IDs and store IDs are associated with store URLs, a second table 176B in which affiliated store IDs are associated with affiliated store names and sales amounts (described above), and a third table 176C in which store IDs are associated with store names. In addition to this information, the affiliated store / store information 176 may also include information such as the category of affiliated store or store, the store's location, and payment patterns. Furthermore, information on coupons that can be used at the affiliated store ID or store ID is associated with the affiliated store ID or store ID.

[0031] The information processing unit 140 acquires information provided by other server devices and terminal devices. The information processing unit 140 manages user information 172 and affiliated store / store information 176 based on information acquired from the user terminal device 10 and the second store terminal device 70. The information processing unit 140 adds new records to, edits, deletes, etc., the user information 172 and affiliated store / store information 176.

[0032] [Electronic Payment] When payment information is acquired from the user terminal device 10 or the first store terminal device 50, the payment processing unit 130 references the user information 172 to acquire the "payment method setting" of the user. For users whose "payment method setting" is set to "charge balance," the payment processing unit 130 performs electronic payment as follows: For example, the payment processing unit 130 performs electronic payment by decreasing the charge balance managed in association with the user ID and increasing the item value of the affiliated store's sales proceeds. The item value of the affiliated store's sales proceeds is not itself used as electronic money, for example, but rather the amount corresponding to the item value of the sales proceeds is transferred to a bank account in a cycle according to an agreement between the affiliated store and the electronic payment service.

[0033] The payment processing unit 130 performs electronic payments for users whose "setting information" is set to "credit card payment" as follows. Credit card payment is a payment method in cooperation with a credit card company, which is a separate entity from the operator of the electronic payment service. The operator of the electronic payment service acts as the creditor, allowing electronic payments within the credit card payment limit and independent of the remaining balance. To receive the credit card payment service, a user may be required to obtain a credit card provided by the operator of the electronic payment service. The amount used for credit card payment is settled in full on the following month's payment date, for example, by debit from a bank account. In this case, the payment processing unit 130 makes a provisional payment by adding the payment amount to the credit card payment amount and subtracting the same amount from the available credit card balance. On the closing date, the payment processing unit 130 performs the process described above to debit the current month's payment on the following month's payment date, or requests the credit card company operator to perform this process. If the payment amount exceeds the available credit card balance at the time of provisional payment, an error notification is returned to the payment app 20.

[0034] [overview] In response to a user performing an operation to acquire an electronic coupon for an electronic payment service included in a service screen displayed on the display unit of the user terminal device 10 provided by a service server that provides a service different from the electronic payment service, the payment server 100 acquires from the user terminal device 10 the user's identification information and first access route information indicating that the operation has passed through the service screen. In response to acquiring the first access route information, the payment server 100 stores coupon information 173 (first information) in which the electronic coupon and the first access route information are associated with the user's identification information managed in the storage unit 170. When an electronic payment for the electronic payment service using the electronic coupon is executed, the payment server 100 stores and manages coupon information 173 (second information) in which the electronic coupon, the first access route information, and information indicating that the electronic coupon has been used are associated with the user's identification information managed in the storage unit 170.

[0035] In response to a user performing an operation to acquire an electronic coupon for an electronic payment service included in a payment service screen displayed on the display unit of the user terminal device 10 provided by the payment server 100, the payment server 100 acquires from the user terminal device 10 the user's identification information and second access route information indicating that the payment service screen was passed through. In response to acquiring the second access route information, the payment server 100 stores coupon information 173 (third information) in which the electronic coupon and the second access route information are associated with the user's identification information managed in the storage unit 170. When an electronic payment for an electronic payment service using an electronic coupon is executed, the payment server 100 stores and manages coupon information 173 (fourth information) in which the electronic coupon, the second access route information, and information indicating that the electronic coupon has been used are associated with the user's identification information managed in the storage unit 170. As described above, the payment server 100 manages coupon acquisition routes.

[0036] The payment server 100 tally up a return index to be returned to the service provider based on the coupon information 173 (second information) and the payment amount for each electronic payment using an electronic coupon (or by referring to the second information or fourth information). The return index is, for example, a consideration to be returned to the service provider or an index indicating the consideration. In this way, the payment server 100 tally up an index to be returned to the service provider by referring to the coupon acquisition route.

[0037] FIG. 8 is a diagram for explaining the scheme in this embodiment. (1) The member store uses the member store interface 72 to create and issue coupons in the services provided by the payment server. (2) The electronic payment service will share merchant information with the service. Merchant information includes information about the merchant that issued the coupon (such as its identification information and name) and the contents of the coupon. (3) The service will send customers by posting coupons on the service screen that displays information about the affiliated store.

[0038] (4) The user acquires the posted coupon and uses it for electronic payment services. (5) When a coupon is used, the electronic payment service receives a coupon fee from the affiliated store. (6) When a coupon acquired via the service screen is used and the electronic payment service receives a coupon fee, the service returns a portion of that fee to the service.

[0039] With the scheme described above, services can receive compensation according to the degree of contribution. Electronic payment services can benefit from the promotion of the use of electronic payment services by having their coupons published on other services.

[0040] [Example of coupon acquisition via electronic payment service] Various processes will be described in detail below. Figure 9 is a diagram illustrating the process of posting coupons for electronic payment services in the service. Member store information is provided to service server 200, which acquires the member store information (S100). Next, service server 200 references the member store information and displays a button for obtaining a coupon for the electronic payment service on interface screen IF1 that introduces the store corresponding to the member store in the service (S120). This coupon is applied when the electronic payment service is used at the store. Note that interface screen IF1 may be a screen provided using an application program corresponding to the service.

[0041] By linking the member store information as described above, coupon information for the electronic payment service is displayed on an interface screen that introduces stores corresponding to member stores in the services provided by the service server 200.

[0042] In response to a user performing an operation to acquire an electronic coupon for an electronic payment service included in a service screen, the payment server 100 causes the payment application 20 installed on the user terminal device 10 and linked with the payment server 100 (or the payment server 100, or the payment application 20 and the payment server 100 working together) to display a screen for acquiring the electronic coupon on the display unit. When an operation to acquire an electronic coupon is performed on the above screen, the payment server 100 acquires, from the user terminal device 10 (for example, the payment application 20), the user's identification information and first access route information indicating that the access has passed through the service screen. At this time, information about the coupon, such as a coupon ID, and the affiliated store where the coupon can be used may also be provided.

[0043] FIG. 10 is a diagram illustrating the process by which coupons for an electronic payment service are posted in a service. When a user operates the button for obtaining a coupon on interface screen IF1, interface screen IF2 provided by the electronic payment service or payment application 20 is displayed on the display unit of user terminal device 10. The interface screen transitions as described above using a technique such as deep linking. When a user operates the coupon obtainment button on interface screen IF2, the user can obtain a coupon. Obtaining a coupon means that coupon information is associated with the user's identification information managed by the electronic payment service.

[0044] In the above process, when a user operates interface screen IF1, information about the operation and information about the access route (information about the interface screen IF or information indicating that the service was used) are provided to payment server 100 or payment app 20. Interface screen IF1 is preset so that a parameter indicating information about the access route is sent when the acquire button is operated. When the button for acquiring a coupon on interface screen IF1 is operated, interface screen IF2, which is the linked destination, is displayed, and when the button for acquiring a coupon on interface screen IF2 is operated, information about the access route indicating that the user accessed via interface screen IF1 may be provided to payment server 100.

[0045] In the process of acquiring an electronic coupon described above, if the user performs an operation to acquire an electronic coupon within a predetermined time from when the user arrives at interface screen IF2, the coupon may be associated with the coupon obtained via the service in coupon information 173. This determination is made by payment application 20 or payment server 100. Payment application 20 or payment server 100 can recognize the time when interface screen IF2 is displayed on the display unit and the time when the operation to acquire the coupon on interface screen IF2 is performed, and makes the above determination based on these times.

[0046] [flowchart] 11 is a flowchart showing an example of the flow of processing executed by the payment server 100. First, when the button for obtaining a coupon is operated by the user in S200, the information processing unit 140 of the payment server 100 acquires information necessary for generating coupon information 173, such as information about the access route (S210), and generates coupon information 173 based on the acquired information about the access route (S212). The information necessary for generating coupon information 173 includes information about the access route, information for identifying the coupon ID, information for identifying the affiliated store ID, and the like. This completes the processing of one routine of this flowchart.

[0047] As described above, when the user performs an operation to obtain a coupon, the payment server 100 generates coupon information 173.

[0048] [Example of coupon acquisition completed within the service] In cooperation with the cooperation processing unit 150 (described later) of the payment server 100, coupons may be acquired within the service. FIG. 12 is a diagram illustrating the process of acquiring a coupon for an electronic payment service within the service. When a user operates the button for acquiring a coupon on interface screen IF1, the service server 200 displays, on the display unit, interface screen IF1# in which information indicating that the user has acquired the coupon is added to the content of interface screen IF1. In this way, the process of acquiring a coupon may be completed without going through the interface screen provided by the electronic payment service.

[0049] When the above processing is executed, the payment server 100 may further include an association processing unit 150. The association processing unit 150 may provide the user terminal device 10 or the service server 200 with information indicating that a coupon has been granted to the user in accordance with information provided from the user terminal device 10 or the service server 200 and that the granting has been completed. When the payment server 100 stores coupon information 173 (first information) in which an electronic coupon is associated with first access route information for the user's identification information in the storage unit 170, the payment server 100 provides the service server 200 or the user terminal device 10 with information indicating that the electronic coupon has been granted to the user and causes the service server 200 or the user terminal device 10 to display information indicating that the coupon has been granted on the service screen.

[0050] 13 is a diagram illustrating the processing executed by the collaboration processor 150. The collaboration processor 150 functions as, for example, an application programming interface. When the collaboration processor 150 acquires information related to the coupon acquisition operation, a coupon ID, and the like along with the user's identification information, the collaboration processor 150 works in cooperation with the information processor 140 to associate the coupon corresponding to the operation with the user's identification information, thereby granting the coupon to the user. As a result, the coupon information 173 in FIG. 6 described above is generated.

[0051] When the cooperation processing unit 150 issues the coupon, it transmits information indicating that the coupon has been issued to the requesting party. As a result, an interface screen IF1# is provided to the user. For example, when the user logs in to the service using the user's identification information shared with the electronic payment service and operates the button for obtaining the coupon as described above, the user's identification information and the coupon ID are provided to the cooperation processing unit 150. The cooperation processing unit 150 issues the coupon to the user's identification information of the electronic payment service corresponding to the user's identification information. Alternatively, when the button for obtaining the coupon is operated, the payment app 20 may transmit the user's identification information and the coupon ID to the cooperation processing unit 150, and the above processing may be performed in cooperation with the cooperation processing unit 150. As a result, the coupon is issued.

[0052] As described above, a user can obtain a coupon for an electronic payment service by using another service.

[0053] [About the process after electronic payment using coupons] When a user uses a coupon, the information processing unit 140 associates payment amount information with the coupon in the coupon information 173. FIG. 14 is a diagram showing an example of the contents of the coupon information 173 associated with a payment amount. For example, when a coupon with coupon ID "A001" is applied to a payment of "5,000 yen," the information processing unit 140 associates the payment amount "5,000 yen" with the coupon ID "A001."

[0054] [Total of compensation for services] The information processing unit 140 tallies the amount of payment to be returned to the service provider for each payment or for each payment within a predetermined period. FIG. 15 is a diagram for explaining the tallying up of the amount of payment. The information processing unit 140 The compensation is tallied for each service that uses the same coupon acquisition route. For example, the information processing unit 140 determines the compensation to be returned as a set percentage of the total payment amount to which the coupon acquired via service A has been applied. This allows a portion of the commission received from the affiliated store where the coupon was used to be returned to the service provider that contributed to the acquisition and use of the coupon. In other words, revenue sharing is realized.

[0055] The electronic coupons listed in the other services are also provided by the electronic payment service. Users can obtain the same electronic coupons by using the screens provided by the electronic payment service or by operating the payment application 20. In this case, information indicating that the coupon was obtained through the electronic payment service is associated with the electronic coupon in the coupon information 173, and the coupon is not subject to revenue sharing.

[0056] In this way, the payment server 100 can obtain information for judging the contribution of other services to the electronic payment service by generating useful coupon information 173. Furthermore, the payment server 100 can easily calculate the compensation to be returned to the provider of the other service based on the generated coupon information 173. Furthermore, the other service can receive the compensation as described above, and can also obtain the effect of promoting the use of the service by displaying the electronic coupon for the electronic payment service on the service screen.

[0057] [Selection of service on which participating stores will post coupons] Affiliated stores can use the affiliated store interface 72 to create coupons for electronic payment services in cooperation with the payment server 100. When an affiliated store creates a coupon for an electronic payment service, the coupon is posted on the electronic payment service so that users can obtain the coupon. Furthermore, in this embodiment, the coupon is posted so that users can obtain the coupon on services provided by services affiliated with the electronic payment service.

[0058] Alternatively, the coupon may be posted for a service designated by the affiliated store. The payment server 100 provides a coupon creation screen in response to a request from the affiliated store interface 72. The coupon creation screen includes content for selecting a service for posting the coupon. The coupon is posted on the service screen of the selected service. The payment server 100 acquires, from the user terminal device 10, the user's identification information, access route information indicating that the access has passed through the service screen of the service selected by the user on the coupon creation screen, a coupon ID, etc. The payment server 100 generates coupon information 173 as described above and tallies the compensation to be returned for each service.

[0059] FIG. 16 is a diagram showing an example of an interface screen that the payment server 100 provides when a member store creates a coupon. This interface screen is a coupon creation screen and includes check boxes that allow the user to select where the coupon will be posted. For example, it is possible to select all services, electronic payment services, service A, service B, etc. The payment server 100 arranges for the coupon to be posted on the interface screen provided by the service corresponding to the member store's selection. For example, as described above, the member store information is linked with other services so that the coupon can be posted on the service's interface screen.

[0060] Through the above process, the payment server 100 can support the affiliated store in posting coupons on the service selected by the affiliated store.

[0061] According to the embodiment described above, the payment server 100, upon acquiring the first access route information, stores coupon information 173 in which an electronic coupon and the first access route information are associated with the user's identification information managed in the memory unit 170, and when an electronic payment for an electronic payment service using an electronic coupon is executed, the payment server 100 stores and manages coupon information 173 in which the electronic coupon, the first access route information, and information indicating that the electronic coupon has been used are associated with the user's identification information managed in the memory unit 170, thereby generating useful information.

[0062] The above describes the form for carrying out the present invention using an embodiment, but the present invention is not limited to such an embodiment, and various modifications and substitutions can be made within the scope that does not deviate from the gist of the present invention. [Explanation of symbols]

[0063] 10 User terminal device 20. Payment App 100 Payment Server 120 Contents Provider 130 Payment processing unit 140 Information Processing Section (Processing Section) 150 Collaboration processing unit

Claims

1. An information processing device that provides an electronic payment service, In response to a user performing an operation to acquire an electronic coupon for an electronic payment service included in a service screen displayed on a display unit of the user's terminal device, the service screen being provided by a service server that provides a service different from the electronic payment service, an acquisition unit that acquires, from the user's terminal device, identification information of the user and first access route information indicating that the user has passed through the service screen; In response to acquiring the first access route information, first information is stored in which the electronic coupon and the first access route information are associated with the user's identification information managed in a storage unit; When the electronic payment of the electronic payment service using the electronic coupon is executed, a processing unit that stores and manages second information that associates the electronic coupon, the first access route information, and information indicating that the electronic coupon has been used with the user's identification information managed in the storage unit; An information processing device comprising:

2. The processing unit aggregating a return index to be returned to the service provider based on the second information and the payment amount for each electronic payment using the electronic coupon; The information processing device according to claim 1 .

3. The acquisition unit In response to a user performing an operation to acquire an electronic coupon for an electronic payment service included in a payment service screen displayed on a display unit of a terminal device of the user provided by the information processing device, acquiring, from the terminal device of the user, identification information of the user and second access route information indicating that the access has been via the payment service screen; The processing unit In response to acquiring the second access route information, storing third information in which the electronic coupon and the second access route information are associated with the user's identification information managed in the storage unit; When the electronic payment of the electronic payment service using the electronic coupon is executed, storing and managing fourth information in which the electronic coupon, the second access route information, and information indicating that the electronic coupon has been used are associated with the user's identification information managed in the storage unit; 3. The information processing device according to claim 1.

4. In response to the user performing an operation to acquire an electronic coupon for an electronic payment service included in the service screen, an application program installed on the user's terminal device and linked to the information processing device displays a screen for obtaining the electronic coupon on the display unit; When an operation for obtaining the electronic coupon is performed on the screen, the acquisition unit acquires, from the user's terminal device, identification information of the user and first access route information indicating that the access has been via the service screen.

3. The information processing device according to claim 1.

5. When the processing unit stores the first information in the storage unit, the processing unit provides information indicating that an electronic coupon has been granted to the user to the service server or the terminal device of the user, and displays information indicating that the coupon has been granted on the service screen.

3. The information processing device according to claim 1.

6. The processing unit Provide a coupon creation screen in response to a request from the affiliated store's terminal device, the coupon creation screen includes content for selecting a service on which the coupon is to be posted; 3. The information processing device according to claim 1.

7. The coupon is displayed on the service screen of the selected service, the acquisition unit acquires, from the terminal device of the user, identification information of the user and access route information indicating that the access route has passed through the service screen of the service selected by the user on the coupon creation screen; the processing unit, in response to acquiring the access route information, stores first information in which the electronic coupon and the access route information are associated with the user's identification information managed in the storage unit; When the electronic payment of the electronic payment service using the electronic coupon is executed, storing and managing second information in which the electronic coupon, the access route information, and information indicating that the electronic coupon has been used are associated with the user's identification information managed in the storage unit; The information processing device according to claim 6 .

8. The service introduces information on a plurality of stores, including stores that are affiliated with an electronic payment service.

3. The information processing device according to claim 1.

9. A computer that provides electronic payment services In response to a user performing an operation to acquire an electronic coupon for an electronic payment service included in a service screen displayed on a display unit of the user's terminal device, the service screen being provided by a service server that provides a service different from the electronic payment service, acquiring, from the terminal device of the user, identification information of the user and first access route information indicating that the access has been via the service screen; In response to acquiring the first access route information, first information is stored in which the electronic coupon and the first access route information are associated with the user's identification information managed in a storage unit; When the electronic payment of the electronic payment service using the electronic coupon is executed, storing and managing second information in which the electronic coupon, the first access route information, and information indicating that the electronic coupon has been used are associated with the user's identification information managed in the storage unit; Information processing methods.

10. A computer that provides electronic payment services In response to a user performing an operation to acquire an electronic coupon for an electronic payment service included in a service screen displayed on a display unit of the user's terminal device, the service screen being provided by a service server that provides a service different from the electronic payment service, acquiring, from the terminal device of the user, identification information of the user and first access route information indicating that the service screen has been accessed; In response to acquiring the first access route information, first information is stored in which the electronic coupon and the first access route information are associated with the user's identification information managed in a storage unit; When the electronic payment of the electronic payment service using the electronic coupon is executed, storing and managing second information in which the electronic coupon, the first access route information, and information indicating that the electronic coupon has been used are associated with the user's identification information managed in the storage unit; program.

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