Information processing device, information processing method, and program

Abstract

To provide a user with a highly convenient electronic privilege service. [Solution] An information processing device comprising: an acquisition unit that acquires instructions for creating a benefit that can be used at an affiliated store from an affiliated store terminal device of an electronic payment service; and a processing unit that, in response to the instructions, provides the affiliated store via the affiliated store terminal device with suggested information regarding indicators necessary for creating the benefit based on past payment history made by users at the affiliated store.

Description

[Technical field]

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

[0002] 2. Description of the Related Art Conventionally, a management device that provides a user with a coupon that can be applied in a payment platform is known (see, for example, Patent Document 1). [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Patent No. 7074917 Summary of the Invention [Problem to be solved by the invention]

[0004] In the prior art, there were cases where the convenience of electronic privilege-related services for users was not sufficiently high.

[0005] The present invention has been made in consideration of the above circumstances, and one of its objectives is to provide an information processing device, an information processing method, and a program that can provide services related to electronic benefits that are highly convenient for users (e.g., benefit issuers). [Means for solving the problem]

[0006] One aspect of the present invention is an information processing device that includes an acquisition unit that acquires instructions for creating a benefit that can be used at an affiliated store from an affiliated store terminal device of an electronic payment service, and a processing unit that, in response to the instructions, provides the affiliated store via the affiliated store terminal device with suggested information regarding indicators necessary for creating the benefit based on a history of past payments made by users at the affiliated store. Effect of the Invention

[0007] According to one aspect of the present invention, it is possible to provide an information processing device, an information processing method, and a program that can provide an electronic privilege service that is highly convenient for a user. [Brief description of the drawings]

[0008] [Figure 1] FIG. 1 is a diagram showing an example of a configuration for realizing an electronic payment service. [Diagram 2] This is a sequence diagram (part 1) illustrating the general flow of electronic payment. [Diagram 3] This is a sequence diagram (part 2) illustrating the general flow of electronic payment. [Figure 4] FIG. 2 is a configuration diagram of a payment server 100. [Diagram 5] FIG. 13 is a diagram showing an example of the contents of user information 172. [Figure 6] FIG. 13 is a diagram showing an example of the contents of affiliated store / store information 176. [Figure 7] FIG. 13 is a diagram showing an example of the contents of payment history information 176D. [Figure 8] FIG. 2 is a diagram showing an interface screen IF1. [Figure 9] FIG. 13 is a diagram showing an example of calculation information 178. [Figure 10] 13 is a flowchart showing an example of the flow of processing executed by the payment server 100. [Figure 11] FIG. 13 is a diagram showing an interface screen IF2. [Figure 12] FIG. 13 is a diagram showing an example of calculation information 178A. [Figure 13] FIG. 13 is a diagram for explaining the use of a trained model. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

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

[0010] [Electronic payment service] Fig. 1 is a diagram showing 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. The electronic payment system which 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, and the payment server 100. These devices communicate with each other, 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 the like.

[0011] A part or all of the functional configuration included in the electronic payment system may be distributed among multiple devices in any form, or may be integrated into any device. For example, a part or all of the functional configuration 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 a tablet terminal. The user terminal device 10 is a computer device having at least an optical reading function, a communication function, a display function, an input 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), and the like. In the user terminal device 10, a processor such as a CPU executes a payment application 20, and the device operates to provide an electronic payment service to a user in cooperation with a payment server 100. The payment application 20 is installed in the user terminal device 10 from, for example, an application store, and controls the camera, the communication device, the touch panel, and the like. A mini app may operate in the user terminal device 10. The mini app is an application program that operates in the payment application 20. The mini app is, for example, a mini app that provides various services related to benefits. The mini app, for example, transmits or receives benefits, or displays a list of transmitted or received benefits.

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

[0015] [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 the payment information is sent from the POS device via the affiliated store server to the payment server 100. In the following explanation, no distinction is made between these two and it is assumed that the payment information is sent from the first store terminal device 50.

[0016] 2 and 3 are sequence diagrams illustrating the general flow of electronic payment. There may be two patterns of electronic payment: pattern 1 and pattern 2.

[0017] In the case of pattern 1 (hereinafter referred to as user scan) shown in FIG. 2, the user terminal device 10 with the payment application 20 activated decodes the store code image 60 by the optical reading function (S1). The store code image 60 includes store URL (Uniform Resource Locator) information. This store URL is an electronic payment service domain to which store-identifying information is added, and is associated with an affiliated store ID, a store ID, etc. in the payment server 100 (described later). The payment application 20 transmits the first payment information including the store URL and the account ID to the payment server 100 (S2). The payment server 100 searches for store information (described later) from the affiliated store ID and the store ID corresponding to the store URL, acquires the affiliated store name and the store name information (S3), and transmits it to the payment application 20 (S4). The user inputs the payment amount into the user terminal device 10 on the screen on which the affiliated store name and the store name are displayed (S5). Then, the user terminal device 10 generates second payment information including at least the payment amount, and transmits it to the payment server 100 (S6). The payment server 100 performs electronic payment based on the received second payment information (S7). The payment server 100 then transmits a payment completion notice (information for displaying a payment completion screen) to the payment application 20 (S8), and the payment application 20 displays the payment completion screen (S9). Note that when the store code image 60 is displayed on a display installed in the store, the store code image 60 may include not only the store URL but also information on the payment amount. In this case, the step of the user inputting the payment amount is omitted, and the information on the payment amount is included in the first payment information and transmitted to the payment server 100. Information on the affiliated store name and the store name may be included in the payment completion screen and displayed.

[0018] In the case of pattern 2 (hereinafter referred to as store scan) shown in FIG. 3, when the payment application 20 is started, when a payment operation is performed in the payment application 20, when an automatic update timing (e.g., every minute) occurs, and at other timings, the payment application 20 transmits a request for issuing a one-time code to the payment server 100 (S11). The payment server 100 generates a one-time code (S12) and transmits it to the payment application 20 (S13). The payment application 20 displays a code image such as a QR code or a barcode generated based on the one-time code (S14). The user holds (presents) the display surface of the user terminal device 10 over the first store terminal device 50, and the first store terminal device 50 decodes the code image by an optical reading function and obtains the one-time code, etc. (S15). The first store terminal device 50 then generates payment information including the one-time code, payment amount, affiliated store ID, store ID, etc., and transmits it to the payment server 100 (S16). The payment amount information is acquired in advance by reading a barcode or manually entering it. The payment server 100 identifies the user corresponding to the one-time code based on the received information and performs electronic payment (S17). The payment server 100 then transmits a payment completion notice to the payment application 20 (S18), and the payment application 20 displays a payment completion screen (S19).

[0019] Note that electronic payment may be performed using only one of the above patterns. Furthermore, the "account ID" described in FIG. 2 may be other information (e.g., a phone number) that can be used as user identification information. Furthermore, issuance of a one-time code may be omitted in the store scan, and the payment application 20 may display a code image generated based on the user's account ID. 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.

[0020] [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 management unit 140, an information processing unit 150, 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 a SOC (System On Chip), or may be realized by cooperation between software and hardware. The program may be stored in advance in a storage device (a storage device with a non-transient storage medium) such as an HDD (Hard Disk Drive) or flash memory, or may be stored in a removable storage medium (non-transient storage medium) such as a DVD or CD-ROM, and installed in the storage device by inserting the storage medium into a drive device. The information management unit 140 is an example of an "acquisition unit", and either or both of the content providing unit 120 and the information processing unit 150 are examples of a "processing unit".

[0021] The storage unit 170 is a HDD, a flash memory, a RAM (Random Access Memory), or the like. 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 benefit information 173, content information 174, affiliated store / shop information 176, and calculation information 178. Some of this information may be stored in the storage unit of the user terminal device 10.

[0022] The communication unit 110 is a communication interface for connecting to the network NW. The communication unit 110 is, for example, a network interface card.

[0023] The content providing unit 120 has, for example, a function of a Web server, and provides information (content) for displaying various screens of the electronic payment service to the user terminal device 10 or the second store terminal device 70. 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 by the user while the 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 information required for generating the content to the payment application 20.

[0024] 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.

[0025] [User information] FIG. 5 is a diagram showing an example of the contents of the user information 172. The user information 172 is an example of the registration information of a user. The user information 172 is, for example, a user URL, an account ID, a telephone number, a password, as well as information associated with an email address, a user ID, a name, an address, a date of birth, a registration date, a charge balance, a credit payment setting, a credit payment limit, a credit payment amount used, a credit payment available amount, a payment method setting, a bank account, a credit card number, charge history information, and payment history information. The user URL is used for a remittance process between users. When registering for the electronic payment service, it is necessary to register a telephone number and a password. The account ID is issued to the user by the payment server 100, and the user ID is an ID that can be set by the user at will (does not have to be set). Similarly, the email address, and the name, address, and date of birth are information that can be set by the user at will (does not have to be set). The registration date is the date on which the user registered for the electronic payment service (the date on which the account was created). Hereinafter, the user's instance (electronic payment account) to which this information is associated will be referred to as an account.

[0026] The charge balance is information indicating the balance of electronic money that is set by a user by transferring money to an account in advance. The means of transfer include transfer from an ATM (Automatic Teller Machine) of a designated company (bank) and transfer from a registered bank account. The credit payment setting is information indicating whether or not the setting for enabling electronic payment by credit payment has been completed, and is set to either "completed" or "not completed." The credit payment limit is the credit payment limit that can be used each month, the credit payment usage amount is the amount of credit payment that has already been used in the current month, and the credit payment available amount is the amount of credit payment that can be used in the current month, which is calculated by subtracting the credit payment usage amount from the credit payment limit. Although only one credit payment limit is shown in the figure, in reality, there is also a daily upper limit, and the lower of these may be set as the credit payment limit. Further details of credit payment will be described later. The payment method setting is setting information indicating whether the user will perform electronic payment using the charge balance or payment by credit payment at that time. The bank account and credit card number are information on a bank account or credit card number (account number, card number) that can be used to deposit funds into an electronic payment service. Charge history information is a history of the user's previous transfers to the electronic payment service to increase the charge balance. Payment history information is information that indicates the details of payments made by the user for each payment (date and time, store ID of the store where the purchase was made, payment amount, payment method, etc.).

[0027] [Affiliated store / store information] 6 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 an affiliated store ID, a store ID, and an affiliated store category are associated with a store URL, a second table 176B in which an affiliated store name and sales amount (described above) are associated with an affiliated store ID, and a third table 176C in which a store name is associated with a store ID. In addition to this information, the affiliated store / store information 176 may also include information such as the affiliated store or store category, the store's location, and payment patterns.

[0028] The affiliated store / shop information 176 may further include payment history information 176D. FIG. 7 is a diagram showing an example of the contents of the payment history information 176D. The payment history information 176D is, for example, information showing the history of payments made by users at each affiliated store, or information showing the results of statistical processing of the history. The payment history information 176D is, for example, details such as the payment amount for each payment made by the affiliated store, the time of payment, and the users who made electronic payments, the average unit price of electronic payments made by the affiliated store, the average number of electronic payments made in a certain period, and the frequency of electronic payments made by users in a certain period. The payment history information 176D may include other indicators in addition to the above information.

[0029] The affiliated store / shop information 176 further includes coupon information (not shown). The coupon information is information related to coupons created by affiliated stores. For example, the coupon information is information in which the target user, the number of uses, rebate information, the transaction amount to be applied, various coupon periods, and the like are associated with a coupon ID. Information such as the number of coupons acquired by a user, the degree of acquisition, the number of uses, and the degree of use may be associated with a coupon ID.

[0030] The target users are, for example, information on users who can use or acquire a coupon. Examples include all users of an electronic payment service and users who have never used the affiliated store (details will be described later). The number of uses is, for example, the number of times a coupon can be used. The rebate information is, for example, the point rebate rate when a coupon is used and the points that can be acquired. The applicable transaction amount is, for example, the transaction amount to which the coupon is applied. The various periods of the coupon are, for example, the posting period, distribution period, and usage period.

[0031] The above coupons are displayed on a coupon list screen. The target user can obtain the coupon by operating payment application 20 to perform an operation to acquire the desired coupon displayed on the coupon list screen. The coupon may be provided to the target user regardless of the acquisition operation. The target user can use the coupon at a compatible affiliated store in the electronic payment service. The coupon may be automatically applied or may be used depending on the operation to use it.

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

[0033] The payment processing unit 130 performs electronic payment for users whose "setting information" is set to "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, and the operator of the electronic payment service acts as a creditor and allows electronic payment that is not dependent on the charge balance within the credit card payment limit. In order to receive the credit card payment service, a credit card provided by the operator of the electronic payment service may be required. The amount used in the credit card payment is settled on the payment date of the following month, for example, by debiting from a bank account, for one month. In this case, the payment processing unit 130 performs provisional payment by adding the payment amount to the credit card payment amount and subtracting the same amount from the available credit card payment amount, and when the closing date comes, it performs processing to debit the payment for the current month on the payment date of the following month as described above, or requests the operator of the credit card company to perform the processing. In addition, if the payment amount exceeds the available credit card payment amount at the time of provisional payment, an error notification is returned to the payment application 20.

[0034] The information management unit 140 acquires information provided by other server devices and terminal devices. The information management 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 management unit 140 adds new records to, edits, and deletes the user information 172 and affiliated store / store information 176.

[0035] The information processing unit 150 processes information provided by other server devices or terminal devices, and provides information stored in the storage unit 170 to the user terminal device 10 .

[0036] [overview] In this embodiment, the payment server 100 makes a recommendation on the indexes that need to be input to create a coupon on an interface screen when a coupon creator creates a coupon. The payment server 100 acquires an instruction to create a benefit that can be used at a member store from the member store interface 72 of the electronic payment service. In response to the instruction, the payment server 100 provides suggested information on the indexes required to create a benefit via the member store interface 72 based on the past payment history made by the user at the member store.

[0037] In the following description, the above benefit is described as a coupon, but is not limited to this and may be other benefits (such as vouchers or other discount coupons) provided to the user. The affiliated store corresponding to the above payment history may be one affiliated store or multiple affiliated stores. Multiple affiliated stores are, for example, multiple affiliated stores of the same brand. When multiple affiliated stores are targeted, the payment history information 176D of the multiple affiliated stores is used.

[0038] The above indicator is, for example, one or more of indicators (1) to (4). (1) The transaction amount of the electronic payment service to which the benefit applies (2) The number of times the benefits can be used for electronic payments (3) Limits on the amount of rewards that can be granted for each electronic payment method (4) The degree of the maximum total number of rewards per user

[0039] The suggested information regarding an index is information useful to the creator of the coupon, such as information recommending an index or information that is helpful when deciding on an index. The suggested information may be, for example, the index itself, or a combination of the index itself and the reason for recommending the index. The suggested information may be a combination of the purpose of creating the coupon and an index for achieving the purpose. The suggested information may include not only the index itself, but also the trend of the index (for example, it is recommended to set it to XX or higher) or the range of the index.

[0040] The payment server 100 provides an interface screen IF1 to the affiliated store interface 72. FIG. 8 is a diagram showing the interface screen IF1. The interface screen IF1 is a screen that is displayed on the display unit when a coupon creator at the affiliated store performs an operation to create a coupon. The interface screen IF1 has areas for inputting the above-mentioned indicators (1) to (4). In FIG. 8, the above-mentioned indicator (2) is omitted.

[0041] The payment server calculates (derives) one or more of the indicators (1) to (4) according to the purpose of creating the benefit. The purpose includes at least one or more of increasing the unit price of electronic payment, increasing the number of electronic payment users, holding the event for a long period of time, and providing high returns (in a short period of time). The purpose may be different for each type of indicator, or may overlap in part or in whole.

[0042] For example, for (1), the payment server 100 recommends setting the bonus at 1,000 yen if the customer wants to increase the price per customer, and recommends setting the bonus at 500 yen if the customer wants to increase the number of uses rather than the price per customer. For example, for (3), the payment server 100 recommends setting the bonus at 100 points if the customer wants to hold a coupon campaign for a long period (e.g., 3 weeks or more, 4 weeks or more), and recommends setting the bonus at 500 points if the customer wants to hold the campaign for a short period with high return. For example, for (4), the payment server 100 recommends setting the bonus at 100 points if the customer wants many people to use the campaign, and recommends setting the bonus at 3,000 points if the customer wants to increase the number of heavy users. For example, for (2), the payment server 100 recommends setting the bonus at 10 times if the customer wants to increase the frequency of visits to the store, and recommends setting the bonus at 1 time if the customer wants to encourage one visit rather than frequent visits to the store. For example, the indicators showing the amount, points, and number of times on the interface screen IF1 are calculated by referring to the affiliated store's payment history information 176D, and this information is displayed as appropriate suggested information for each affiliated store. The objectives of the indicators (1) to (4) above are merely examples, and for example, the objective of the indicator (3) may be included in the objective of the indicator (1), and an indicator according to the objective may be calculated.

[0043] The interface screen IF1 may include information on the reason or basis for calculating the index together with the index. For example, it may include payment history information 176D such as the average amount or median amount used per electronic payment at the affiliated store, or the frequency of electronic payments made by the user at the affiliated store, or it may include information on the basis of which the above items (1) to (4) were calculated. The information on the reason or basis for calculating the index may be displayed when a specific button is operated.

[0044] In the interface screen IF1, the indicators of the proposed information may be pre-filled. For example, the payment server 100 pre-fills the indicators of the objectives suitable for the affiliated store in the interface screen IF1. This may allow the creator of the coupon to omit inputting the indicators. For example, the payment server 100 may pre-fill the above indicators by the user performing an operation to consent to the pre-filling in advance. For example, in the interface screen IF1, multiple objectives and buttons for selecting an objective may be provided near the area for inputting each indicator, and an indicator according to the objective of the button selected by the creator may be pre-filled. For example, an indicator according to the objective selected from the objectives of increasing the unit price and increasing the number of users may be pre-filled.

[0045] (Unit price of electronic payment) For example, the index may be calculated as follows: The payment server 100 determines one of (1) to (4) based on the unit price of the user's electronic payment, which is the member store's past payment history. The payment server 100 proposes to raise the unit price of electronic payments by setting (1) a unit price that exceeds the average unit price or median price of electronic payments at the affiliated store, which is the affiliated store's past payment history. For example, the unit price is set to 1.1 or 1.2 times the average unit price or median price. For example, it is expected that users will actively make electronic payments for the transaction amount in order to use a coupon. This allows the affiliated store to easily recognize the transaction amount of (1) for raising the unit price of electronic payments.

[0046] The payment server 100 proposes to promote the use of electronic payments (visits) at the affiliated store by setting (1) a unit price that is smaller than the average unit price or median price of electronic payments at the affiliated store, which is the affiliated store's past payment history. For example, the unit price is set to 0.9 or 0.8 times the average unit price or median price. For example, a user can be expected to frequently make electronic payments at the affiliated store because there is a coupon that can be used for electronic payments with a small unit price. This allows the affiliated store to easily recognize the transaction amount of (1) in order to promote the use of electronic payments (visits) at the affiliated store.

[0047] It should be noted that other statistical indicators may be used instead of (or in addition to) the average unit price or median.

[0048] The payment server 100 provides the member store with proposal information via the member store interface 72, which proposes that the member store set the transaction amount (1) lower for the member store with a low unit price of the user's electronic payment than for the member store with a high unit price. The payment server 100 can set an appropriate transaction amount according to the member store's past electronic payments. This allows the member store to easily recognize the appropriate transaction amount (1).

[0049] The payment server 100 provides the member store with proposal information via the member store interface 72, which suggests that the number of times (2) should be set higher for member stores with a lower unit price of the user's electronic payment than for member stores with a higher unit price. The payment server 100 can set an appropriate number of times according to the member store's past electronic payments. This allows the member store to easily recognize the appropriate number of times (2).

[0050] The payment server 100 provides the member store via the member store interface 72 with proposal information proposing that the member store set the upper limit of the points to be awarded (3) higher for the member store with a higher unit price of the user's electronic payment than for the member store with a lower unit price. The payment server 100 can set an appropriate upper limit of the points to be awarded according to the member store's past electronic payments. This allows the member store to easily recognize the appropriate upper limit of the points to be awarded (3).

[0051] The payment server 100 provides the member store via the member store interface 72 with proposal information proposing that the member store set the total credit upper limit (4) higher for the member store with a high unit price of the user's electronic payment than for the member store with a low unit price. The payment server 100 can set an appropriate total credit upper limit according to the member store's past electronic payments. This allows the member store to easily recognize the appropriate total credit upper limit (4).

[0052] (Frequency of electronic payments) For example, the index may be calculated as follows: The payment server 100 determines one of (1) to (4) based on the frequency of the user's electronic payments, which is the member store's past payment history. The payment server 100 provides the member store, via the member store interface 72, with proposal information proposing that the member store set a smaller transaction amount (1) for a member store where the user makes electronic payments frequently than for a member store where the user makes electronic payments infrequently. For example, it is expected that users will visit the store more enthusiastically if they use a coupon that can be used for a small transaction amount. This allows the member store to easily recognize the transaction amount (1) that is intended to encourage customers to visit the store. Conversely, a smaller transaction amount may be proposed for a member store where the user makes electronic payments infrequently. In this case, customers are encouraged to visit the member store.

[0053] The payment server 100 provides the member store, via the member store interface 72, with proposal information that suggests to set the number of times (2) higher for member stores where users frequently use electronic payments than for member stores where users use electronic payments less frequently. For example, it is expected that users will visit the store more proactively because coupons can be used. This allows the member store to easily recognize the number of times (2) to encourage users to visit the store.

[0054] The payment server 100 provides the member store, via the member store interface 72, with proposal information proposing that the member store set the upper limit of (3) higher for member stores where users make electronic payments less frequently than for member stores where users make electronic payments more frequently. For example, it is expected that users will visit the store more proactively because they can use coupons that are expected to give them large benefits. This allows the member store to easily recognize the level of the upper limit of (3) to encourage customers to visit the store.

[0055] The payment server 100 provides the member store, via the member store interface 72, with proposal information proposing that the member store set the degree of the total award upper limit (4) higher for member stores where users make electronic payments less frequently than for member stores where users make electronic payments more frequently. For example, it is expected that users will visit the store more enthusiastically because they can use coupons that are expected to give large benefits. This allows the member store to easily recognize the degree of the total award upper limit (4) to encourage store visits. Note that, conversely, the degree of the total award upper limit may be set higher for member stores where users make electronic payments more frequently. In this case, visits to the member store are encouraged.

[0056] (Number of electronic payments) The payment server 100 determines one of (1) to (4) based on an index indicating the number of electronic payments made at the affiliated store, which is the past payment history of the affiliated store. The payment server 100 provides the member store, via the member store interface 72, with proposal information that suggests to set a smaller transaction amount (1) for a member store that makes a small number of electronic payments than for a member store that makes a large number of payments. For example, it is expected that users will be more proactive in visiting the store and making electronic payments if they use a coupon that can be used for a small transaction amount. This allows the member store to easily recognize the transaction amount (1) that is intended to encourage users to visit the store and use electronic payments.

[0057] The payment server 100 provides the member store, via the member store interface 72, with proposal information proposing that the number of times (2) be set higher for member stores with a low number of electronic payments than for member stores with a high number of payments. For example, it is expected that a coupon that can be used multiple times will encourage users to visit the store and make electronic payments more proactively. This allows the member store to easily recognize the number of times (2) to encourage users to visit the store and use electronic payments. Conversely, the number of times (2) may be set higher for member stores with a high number of electronic payments. In this case, users are further encouraged to visit the member store.

[0058] The payment server 100 provides the member store, via the member store interface 72, with proposal information proposing that the member store set the upper limit of (3) higher for member stores with a small number of electronic payment transactions than for member stores with a large number of payment transactions. For example, it is expected that users will be more proactive in visiting stores and making electronic payments with coupons with a high upper limit of (3). This allows the member store to easily recognize the upper limit of (3) that is required to encourage customers to visit the store and use electronic payment.

[0059] The payment server 100 provides the member store, via the member store interface 72, with proposal information proposing that the member store set a higher degree of the total credit upper limit (4) for a member store with a small number of electronic payment transactions than for a member store with a large number of payment transactions. For example, it is expected that a coupon with a high degree of the total credit upper limit will encourage users to visit the store and make electronic payments more proactively. This allows the member store to easily recognize the degree of the total credit upper limit (4) to encourage users to visit the store and use electronic payments.

[0060] When calculating each of the above indices, the characteristics (attributes) of the user may be taken into consideration. The characteristics are the characteristics of the user managed by the electronic payment service, such as gender, age, occupation, and area of ​​residence. The payment server 100 may calculate any one of (1) to (4) based on the attributes of the user who used electronic payment at an affiliated store, which is the payment history of past electronic payments. For example, an index appropriate for a specific age group may be calculated based on the payment history of the specific age group.

[0061] (Settlement method of the index) The payment server 100 may calculate each index by referring to the calculation information 178. FIG. 9 is a diagram showing an example of the calculation information 178. The calculation information 178 is, for example, information in which the objective and the process (model) to be applied are associated with each of the above (1)-(4). The model is, for example, a model such as a function that uses a value included in the payment history information 176D to obtain the indicator (1)-(4) according to the objective. For example, in the calculation information 178 corresponding to the above (1), model 1 is used when calculating the indicator (1) for achieving the objective of increasing the unit price, and model 2 is used when calculating the indicator (1) for achieving the objective of increasing the number of uses. Model 1 is, for example, a model that obtains the indicator (1) by using at least the average unit price and median value of the affiliated store's past electronic payments. Model 2 is, for example, a model that obtains the indicator (1) by using at least the average unit price and median value of the affiliated store's past electronic payments, the number of users, and the like.

[0062] For example, in calculation information 178 corresponding to (2) above, model 3 is used when calculating the indicator of (2) for achieving the objective of increasing the unit price, and model 4 is used when calculating the indicator of (2) for achieving the objective of increasing the number of uses. Models 3 and 4 are models that calculate the indicator of (2) by using, for example, one or both of an indicator such as the average unit price or median price of the affiliated store's past electronic payments and an indicator such as the number of users.

[0063] For example, in the calculation information 178 corresponding to the above (3), model 5 is used when calculating the index of (3) for achieving the objective of holding the event for a long period of time, and model 6 is used when calculating the index of (3) for achieving the objective of holding the event for a short period of time and providing high return. Model 5 is a model that can calculate the upper limit of the amount of benefits that can be granted within a set budget for a specified period of time, as a result of applying each of the conditions for applying a coupon to at least the affiliated store's past electronic payment history and simulating the application of the coupon. Model 6 is a model that can calculate the upper limit of the amount of benefits that can be granted within a set budget for a period shorter than the specified period of time, as a result of applying each of the conditions for applying a coupon to at least the affiliated store's past electronic payment history and simulating the application of the coupon.

[0064] For example, in calculation information 178 corresponding to the above (4), model 7 is used when calculating the indicator of (4) for achieving the objective of increasing the unit price, and model 8 is used when calculating the indicator of (4) for achieving the objective of increasing the number of uses. Models 7 and 8 are models that determine the indicator of (2) by using, for example, one or both of an indicator such as the average unit price or median of the affiliated store's past electronic payments and an indicator such as the number of users.

[0065] As described above, the payment server 100 applies the payment history information 176D to the calculation information 178 to calculate the indicators (1)-(4) according to the purpose. The above-mentioned purposes are examples, and various purposes are included in the calculation information 178 corresponding to the above-mentioned (1)-(4).

[0066] [flowchart] FIG. 10 is a flowchart showing an example of the flow of the process executed by the payment server 100. First, the payment server 100 judges whether or not it has acquired an instruction to create a coupon from the interface for member stores 72 (S100). If it has acquired an instruction, the payment server 100 acquires the identification information of the member store included in the instruction (or transmitted together with or before or after the instruction) and acquires the payment history information 176D of the member store of the acquired identification information (S102). Next, the payment server 100 refers to the above-mentioned calculation information 178, applies the payment history information 176D to each model for each purpose, calculates a part or all of (1) to (4) for each purpose, and provides the calculated index to the member store as suggested information via the interface for member stores 72 as shown in the above-mentioned interface screen IF1 (S104). This ends the processing of one routine of this flowchart.

[0067] As described above, the payment server 100 can provide the affiliated store with information regarding indicators according to purpose and affiliated store.

[0068] (Modification of Benchmark Settlement Method) In the above example, the purpose is one, but multiple purposes may be set and different models may be applied for each purpose. In this case, the payment server 100 applies the payment history information 176D to the model of the calculation information 178 to calculate the indicators (1)-(4) according to the purpose.

[0069] The payment server 100 provides the interface screen IF2 for selecting a purpose to the affiliated store interface 72. FIG. 11 is a diagram showing the interface screen IF2. A plurality of purposes are displayed on the interface screen IF2, and the creator of the coupon can select a purpose for creating the coupon from the plurality of purposes. The payment server 100 calculates an index according to the selected purpose.

[0070] For example, the payment server 100 may calculate multiple indicators among (1)-(4) for one or multiple objectives. The payment server 100 calculates an indicator according to the objective by using the calculation information 178A. FIG. 12 is a diagram showing an example of the calculation information 178A. The calculation information 178A is information in which one or multiple objectives are associated with one or multiple models for calculating the indicators (1) to (4) according to the objective. The model is a model using the payment history information 176D as a parameter. The model may also be a model that uses any of the calculated indicators (1) to (4) as a parameter. For example, the indicator (1) may be used to calculate the indicator (2).

[0071] As described above, the payment server 100 can calculate multiple indicators among (1)-(4) for one or more purposes, thereby calculating an indicator among (1)-(4) that is suitable for the affiliated store.

[0072] The model of the calculation information 178 or the calculation information 178A may be prepared for each characteristic (attribute) of a user. The payment server 100 may obtain any one of (1) to (4) based on the attribute of a user who has used electronic payment at an affiliated store, which is the payment history of past electronic payments. For example, a model for a man in his twenties and a model for a woman in her thirties may be prepared. For example, the payment server 100 can calculate the indexes (1) to (4) according to a target user set by the creator of the coupon. A trained model, which will be described later, may also be prepared for each characteristic of a user.

[0073] (Pre-trained model) The payment server 100 may derive an index by using a trained model. FIG. 13 is a diagram for explaining the use of a trained model. The trained model is a model that outputs an index corresponding to input information when input information including, for example, a purpose and the payment history information 176D is input. The index is one or more of (1) to (4). The trained model is a model trained with training data. The training data is, for example, a combination of input information and an index corresponding to the input information, which is correct data. The trained model is a model trained to output an index corresponding to the input information when input information of the training data is input.

[0074] The payment server 100 can easily derive indicators according to purpose by using the trained model.

[0075] According to the embodiment described above, the payment server 100, in response to an instruction from the affiliated store terminal device of the affiliated store of the electronic payment service to create a benefit that can be used at the affiliated store, provides the affiliated store via the affiliated store terminal device with suggested information regarding indicators necessary for creating a benefit based on the past payment history made by the user at the affiliated store, thereby enabling the provision of a highly convenient electronic benefit service for users.

[0076] 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]

[0077] 10 User terminal device 20. Payment App 100 Payment Server 120 Contents Provider 130 Payment processing unit 140 Information Management Department 150 Information Processing Section

Claims

1. an acquisition unit that acquires, from a member store terminal device of a member store of an electronic payment service, an instruction for creating a benefit that can be used at the member store; a processing unit that, in response to the instruction, determines one of (1) to (4) based on an index indicating the frequency of electronic payments of the user's electronic payment service, which is a past payment history, or the number of electronic payments at the affiliated store, which is the past payment history; (1) is the transaction amount of the electronic payment service to which the benefit applies, (2) is the number of times the benefit can be used in the electronic payment, (3) is the upper limit of the amount of the benefit that can be granted for each electronic payment, (4) is the degree of the total upper limit of the total of the benefits per user, Information processing device.

2. an acquisition unit that acquires, from a member store terminal device of a member store of an electronic payment service, an instruction for creating a benefit that can be used at the member store; a processing unit that proposes setting a unit price exceeding an average unit price or a median unit price of electronic payment of the electronic payment service at the affiliated store, which is a past payment history, as the transaction amount of the electronic payment of the electronic payment service to which the special offer applies, thereby raising the unit price of the electronic payment; An information processing device comprising:

3. an acquisition unit that acquires, from a member store terminal device of a member store of an electronic payment service, an instruction for creating a benefit that can be used at the member store; a processing unit that proposes to promote use of the electronic payment by setting a unit price that is smaller than the average unit price or the median unit price of the electronic payment service at the affiliated store, which is a past payment history, as the transaction amount of the electronic payment service to which the special offer applies; and An information processing device comprising:

4. an acquisition unit that acquires, from a member store terminal device of a member store of an electronic payment service, an instruction for creating a benefit that can be used at the member store; a processing unit that, in response to the instruction, provides the affiliated store with suggested information regarding indicators necessary for creating the benefit based on a past payment history made by the user at the affiliated store via the affiliated store terminal device; The processing unit includes: providing, via the member store terminal device, to a member store where the unit price of the electronic payment service of the user, which is the past payment history, is low, proposal information proposing to set a smaller transaction amount for the electronic payment of the electronic payment service to which the special offer is applied than to a member store where the unit price is high, or proposal information proposing to set a larger number of times that the special offer can be used in the electronic payment; Information processing device.

5. an acquisition unit that acquires, from a member store terminal device of a member store of an electronic payment service, an instruction for creating a benefit that can be used at the member store; a processing unit that, in response to the instruction, provides the affiliated store with suggested information regarding indicators necessary for creating the benefit based on a past payment history made by the user at the affiliated store via the affiliated store terminal device; The processing unit includes: providing, via the member store terminal device, to a member store having a high unit price for electronic payments of the electronic payment service, proposal information proposing to set a higher degree of the upper limit of the provision of the privilege for each electronic payment of the electronic payment service than to a member store having a low unit price, or proposal information proposing to set a higher degree of the total upper limit of the provision of the privilege per user; Information processing device.

6. The processing unit includes: In a case where the frequency of the electronic payment of the user, which is the past payment history, is used in response to the instruction, providing, via the member store terminal device, to the member store with a high transaction frequency, proposal information proposing that the member store set the transaction amount in (1) to a smaller transaction amount, or proposal information proposing that the member store set the number of times in (2) to a larger number, compared to the member store with a low transaction frequency; The information processing device according to claim 1 .

7. The processing unit includes: In a case where the frequency of the electronic payment of the user, which is the past payment history, is used in response to the instruction, providing, via the member store terminal device, to the member store with a low frequency, proposal information proposing that the member store set the upper limit of the award in (3) to a higher degree than the member store with a high frequency, or proposal information proposing that the member store set the upper limit of the total award in (4) to a higher degree; The information processing device according to claim 1 .

8. The processing unit includes: In a case where an index indicating the number of electronic payments at the affiliated store, which is the past payment history, is used in response to the instruction, providing, via the member store terminal device, to the member store with a smaller number of settlements, proposal information proposing that the member store set the transaction amount of (1) to a smaller amount than the member store with a larger number of settlements, or proposal information proposing that the member store set the number of (2) to a larger amount; The information processing device according to claim 1 .

9. an acquisition unit that acquires, from a member store terminal device of a member store of an electronic payment service, an instruction for creating a benefit that can be used at the member store; a processing unit that, in response to the instruction, inputs a history of past payments made by the user at the affiliated store into a model selected from a plurality of models according to a purpose for which the affiliated store creates the benefit, and provides the affiliated store with proposal information output by the model regarding indicators necessary for creating the benefit via the affiliated store terminal device; The model is a model that outputs the indicator for achieving a purpose corresponding to the model when a past payment history made by a user at the affiliated store is input. Information processing device.

10. The computer obtaining, from a member store terminal device of a member store of an electronic payment service, an instruction for creating a benefit that can be used at the member store; In response to the instruction, obtain one of (1) to (4) based on an index indicating the frequency of electronic payments by the user of the electronic payment service, which is a past payment history, or the number of electronic payments at the affiliated store, which is the past payment history; (1) is the transaction amount of the electronic payment service to which the benefit applies, (2) is the number of times the benefit can be used in the electronic payment, (3) is the upper limit of the amount of the benefit that can be granted for each electronic payment, (4) is the degree of the total upper limit of the total of the benefits per user, Information processing methods.

11. On the computer, obtaining, from a member store terminal device of a member store of the electronic payment service, an instruction for creating a benefit that can be used at the member store; In response to the instruction, the device determines one of (1) to (4) based on an index indicating the frequency of electronic payments by the user using the electronic payment service, which is a past payment history, or the number of electronic payments at the affiliated store, which is the past payment history; (1) is the transaction amount of the electronic payment service to which the benefit applies, (2) is the number of times the benefit can be used in the electronic payment, (3) is the upper limit of the amount of the benefit that can be granted for each electronic payment, (4) is the degree of the total upper limit of the total of the benefits per user, program.

12. The computer obtaining, from a member store terminal device of a member store of an electronic payment service, an instruction for creating a benefit that can be used at the member store; in response to the instruction, inputting a history of past payments made by the user at the affiliated store into a model selected from a plurality of models according to a purpose for which the affiliated store creates the benefit, and providing the affiliated store with proposal information regarding indicators necessary for creating the benefit output by the model via the affiliated store terminal device; The model is a model that outputs the indicator for achieving a purpose corresponding to the model when a past payment history made by a user at the affiliated store is input. Information processing methods.

13. On the computer, obtaining, from a member store terminal device of a member store of the electronic payment service, an instruction for creating a benefit that can be used at the member store; In response to the instruction, input a history of past payments made by the user at the affiliated store into a model corresponding to a purpose for which the affiliated store creates the benefit from among a plurality of models, and provide the affiliated store with proposal information regarding indicators necessary for creating the benefit output by the model via the affiliated store terminal device; The model is a model that outputs the indicator for achieving a purpose corresponding to the model when a past payment history made by a user at the affiliated store is input. program.

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