Reward system, method, and program

Abstract

To provide a system, method and program for granting a privilege, which allows users to know the results of a lottery efficiently by holding a lottery individually or collectively according to their needs when granting lottery tickets as a privilege of a credit card company. [Solution] The reward awarding system 100, which is equipped with a receiving means 121, an award determination means 122, a notification means 123, and a lottery means 124, allows the user to conduct individual or group lotteries depending on their needs to award lottery tickets as a reward for using a credit card, and the results can be made known in real time, which is efficient and increases the user's loyalty to the credit card company.

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 offered when the amount spent is debited, 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 to credit card users immediately after they make 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 withdrawal policy of the credit card issuing company. [Prior art documents] [Patent documents]

[0004] [Patent Document 1] JP 2023-20003 A 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 a special benefit at the discretion of the credit card issuing company, but does not disclose the timing of the awarding of a special benefit according to the needs of each credit card user. In a campaign that awards a lottery ticket as a special benefit, there are cases where a user wants to enter a lottery and find out the results immediately after receiving the lottery ticket, and cases where a user does not enter a lottery immediately after receiving the lottery ticket, but instead enters a lottery for multiple lottery tickets at once when they have time, and wants to find out the results at a timing of their choice.

[0006] The present invention has been proposed in consideration of the above-mentioned situation, and aims to provide a reward system, method, and program which, when granting lottery tickets as a reward from a credit card company, allows users to hold individual or group lotteries according to their needs and to efficiently know the lottery results. [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 in that it comprises a receiving means for creating email information based on received credit card usage information and read member attribute information, an awarding determination means for determining whether or not to award a lottery ticket, which is a reward for using the credit card, based on the email information, said awarding determination means creating lottery ticket award notification information by adding identification information of the subject determined to be awarded the lottery ticket to the email 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 result of the lottery in real time, said lottery means being capable of allowing the subject to select one of an individual lottery method and a collective lottery method as the lottery method. Effect 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 increases the user's loyalty to the credit card company. [Brief description of the drawings]

[0009] [Figure 1] 1 is a configuration diagram of a privilege granting system according to an embodiment of the present invention. [Diagram 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. [Diagram 3]FIG. 4 is a diagram illustrating an example of a data structure of table data according to the embodiment of the present invention. [Figure 4] FIG. 2 is a diagram showing an example of a data structure of mail data according to an embodiment of the present invention. [Diagram 5] 11 is a flowchart for explaining a table creation means of the privilege granting system according to the embodiment of the present invention. [Figure 6] 11 is a flowchart for explaining a receiving means of the privilege granting system according to the embodiment of the present invention. [Figure 7] 4 is a flowchart for explaining a grant determination means of the privilege granting system according to the embodiment of the present invention. [Figure 8] 11 is a flowchart for explaining a notification means of the privilege granting system according to the embodiment of the present invention. [Figure 9] 11 is a flowchart for explaining a lottery means of the privilege granting system according to the embodiment of the present invention. [Figure 10] FIG. 2 is an explanatory diagram for explaining a notification means of the privilege granting system according to the embodiment of the present invention. [Figure 11] 11 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] 13 is another screen diagram for explaining the lottery means of the privilege granting system according to the embodiment of the present invention. FIG. [Figure 13] 13 is yet another screen diagram for explaining the lottery means of the privilege granting system according to the embodiment of the present invention. FIG. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[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 Fig. 1. The reward granting system 100 includes a card company server 101 in a credit card company 105, a payment terminal 103, and a plurality of 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] Card company server 101 is a computer device that carries out the processing of this embodiment. Card company server 101 is a server computer managed by credit card company 105. Therefore, card company server 101 may be implemented in a conventional system of a card company. 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 card company server 101 will be described later.

[0014] Payment terminal 103 is a card payment terminal installed in an affiliated store that has an affiliated 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 granting 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 granting system 100.

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

[0017] A user 106 is a person who purchases goods or services at an affiliated store using a credit card. After purchasing goods or services, the user 106 receives a lottery ticket issuance notification email, and accesses the URL stated in the lottery ticket issuance 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 to each other via a system bus 115. The components of the storage unit 116 will be described later.

[0020] The control unit 110 is also called 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. In order to execute each process according to this embodiment, the control unit 110 reads out 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 accepts operation 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 a RAM such as a DRAM (Dynamic Random Access Memory) or an 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 storage unit 116 is implemented by any storage device such as a ROM, HDD, SSD, etc. The storage 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 privilege granting system 100. The storage unit 116 further includes a member attribute storage unit 130, a table list storage unit 131, an email information storage unit 132, a grant information storage unit 133, a non-eligible information storage unit 134, and a lottery information storage unit 135, which store data handled by the privilege granting system 100.

[0025] Among 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, granted 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 member attribute data of credit cards. A credit card member (hereinafter, "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 in which card number data, card name data, member ID, member information data, etc. are associated with a card number and member ID assigned to each member on a card-by-card basis. The card number and member ID make it possible to identify a credit card user who is a member. 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 telephone number and email address, annual income data, billing account number data, benefit grant status data, campaign application information data, email notification data indicating whether or not a credit card usage notification email has been received, etc.

[0028] The table storage unit 131 is a database in which the table data 300 shown in Fig. 3 is stored. 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] 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 contents of member ID 301 are not limited to this and may be another member identification number. Table data 300 is not limited to these data items and may include other data items. Furthermore, table data 300 may be data that does not include member ID 301, but includes email address data 302 and card name data 303.

[0031] The mail information storage unit 132 is a database in which mail data 400 shown in Fig. 4 is stored. 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 person who is the subject of the lottery 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 when the card payment transaction was made, business category data 404 indicating the content 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.

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

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

[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 amount of winnings, which are associated with member IDs.

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

[0038] The processing of the table creation means 120 will be described with reference to FIG. 3 and FIG.

[0039] The table creation means 120 reads the member attribute storage unit 130 to obtain 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 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 FIG. 4 and FIG.

[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 the credit card of user 106, 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 credit limit. Authorization data includes data such as the credit card number, transaction date and time, business category data indicating the content of the business such as sales, payment amount, approval number data indicating that the transaction has been approved by the card company, and affiliated store name data, and is 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 a non-face-to-face transaction such as an online payment 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 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 of the member attribute data is "receive usage notification by email". Email data 400 is created only for users 106 who "receive usage notification by email".

[0045] The receiving means 121 obtains 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. 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, from the obtained data, and outputs it to the email information storage unit 132 (step S602).

[0046] In step S602, email data 400 is created only for users 106 who "receive usage notifications by email." However, 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 process 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 of 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 mail data 400 that matches the search key from the table data 300 (step S702). The acquired mail 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 present invention is not limited to these.

[0052] The award determination means 122 determines whether the payment amount data 405 of the read mail 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 payment amount data 405 of the user 106 being equal to or greater than 2000 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 the usage notification is to be received 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 is to be received by email.

[0055] In step S704, if it is determined 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 holding a 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 not face-to-face and the payment amount is a specified amount or more, 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 a target for which a lottery ticket should be granted, 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 thereto 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 target person to whom the lottery ticket distribution email is sent, it is possible to identify the target person to whom the bonus is granted by lottery.

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

[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 the lottery ticket award, it outputs the mail data 400 to the non-eligible information storage unit 134 (step S706).

[0061] The process 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 creates a lottery ticket issue notification email 1000 shown in Fig. 10 based on the lottery ticket issue notification data after sending the target person a usage notification email indicating the details of credit card usage, and sends it in real time to the target person's user terminal 104 according to the email address (step S802). The lottery ticket issue notification email 1000 is an email notifying the target person that a lottery ticket will be issued as a benefit for using their credit card. The lottery ticket issue 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 issuance notification email 1000, the target person may access a site where the lottery can be entered by logging in to an application 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 of 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 indicates a screen where the target person can enter a lottery as a privilege of using a credit card. The number 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 lotteries the target person has entered. The target person can also save the lottery tickets without entering a 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] When a subject clicks the collective lottery button 1103, a lottery can be drawn for multiple lottery tickets at once. For example, when a subject wants to draw 10 lotteries at once, the subject can click the collective lottery button 1103 to draw 10 lotteries at once. When a lottery is drawn using the collective lottery method using the collective 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, when the number 1101 is nine or less, clicking the collective lottery button 1103 may consume all lottery tickets possessed. In addition, the method of performing the collective lottery may be set arbitrarily, such as consuming lottery tickets starting from the oldest acquisition date.

[0072] In the lottery screen 1100, any screen can be set, such as using animation using a character 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 not won, the lottery means 124 displays "LOSE", and if the lottery result is won, the lottery means 124 displays "WIN" and a message "CHECK WINNING DETAILS". Note that the above display is merely an example and is not limited to this.

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

[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 the target person can use to draw again after having drawn once.

[0077] The target person can again perform 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 target person performed the lottery, and the storage period can be limited to "the past one month." The point data is cumulatively added to the past point data, and is managed as cumulative point information.

[0079] When the lottery means 124 performs 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 when there are many lottery history entries in the past month or when the target person has acquired many 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 performed in the order described, but may be performed in any order, or multiple processes may be performed simultaneously. Furthermore, additional processes may be 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 notifying the lottery results in real time, the target person can be allowed to reselect one of the individual lottery method and the lump-sum lottery method depending on the number of remaining lottery tickets. Therefore, as long as the target person has remaining lottery tickets, the target person can repeatedly enter the lottery using the individual lottery method or the lump-sum lottery method according to his / her convenience and efficiently check the results, thereby fostering loyalty to the credit card company.

[0083] According to this embodiment, the awarding 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 amount, thereby increasing the user's motivation to purchase with a credit card. Also, when lottery tickets are awarded to users who receive usage notifications by email, the same system as that for the usage notification email can be used to award the lottery tickets, 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 make purchases with their 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 their credit card.

[0086] Although the embodiment of the present invention has been described above, it goes without saying that the present invention is not limited to the embodiment, 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 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 Granting judgment means 123 Means of Notification 124 Lottery methods 130 Member Attributes Memory Unit 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 for notifying a person who is a candidate for a lottery that a lottery ticket will be awarded based on the received credit card usage information including payment amount information and the read member attribute information including an email address, the email information including the payment amount information and the email address; an awarding determination means for determining whether or not to award a lottery ticket, which is a benefit for using a credit card, based on the email information and using the payment amount of the payment amount information and the content of the means of receiving the usage notification, and for creating lottery ticket awarding notification information for notifying the target person of the lottery ticket award by adding an email management number, which is identification information of the target person 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 subject who has received the notification and notifying the subject of the result of the lottery in real time, the lottery means being capable of allowing the subject to select one of an individual lottery method and a collective lottery method as a lottery method; Equipped with The award determination means includes determining whether to award the lottery ticket based on the contents of the means for receiving the usage notification, and if the award determination means does not determine whether to award the lottery ticket based on the contents of the means for receiving the usage notification, the bonus awarding system does not create the lottery ticket award notification information.

2. The bonus awarding system according to 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 remaining number of 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 at least one of credit card usage information at a specific affiliated store and campaign application information of the user.

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

5. 1. A method implemented in a credit card reward system, comprising: a step of creating email information for notifying a person who is the subject of a lottery that a lottery ticket will be awarded based on the received credit card usage information including payment amount information and the read member attribute information including an email address, the email information including the payment amount information and the email address; a step of determining whether or not to grant a lottery ticket, which is a privilege for using a credit card, based on the email information and using the payment amount of the payment amount information and the content of the means of receiving the usage notification, and creating lottery ticket grant notification information for notifying the target person by adding an email management number, which is identification information of the target person who has been determined to be granted the lottery ticket, to the email information; 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 subject who received the notification and notifying the subject of the result of the lottery in real time, the step of allowing the subject to select one of an individual lottery method and a collective lottery method as the lottery method; Equipped with The step of determining whether or not to grant the lottery ticket includes determining that the lottery ticket is to be granted based on the content of the means for receiving the usage notification, and not creating the lottery ticket grant notification information if it is not determined that the lottery ticket is to be granted based on the content of the means for receiving the usage notification. method.

6. A program for causing a computer to execute the method according to claim 5.

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