Information processing device, information processing method, and information processing program

Abstract

An information processing device is provided for providing a cashless payment method that can continuously provide benefits to both payment method providers and customers who use the payment method. [Solution] The information processing device 60 has a transaction information acquisition unit, a fee information acquisition unit, a cost information acquisition unit, a fee calculation unit, and a value calculation unit. The transaction information acquisition unit acquires transaction information including store information, payment means identification information for identifying the payment means used by the customer, and amount information which is information on the transaction amount from a source of the transaction information. The fee information acquisition unit acquires information for calculating a fee to be paid to a provider who provides the payment means to the customer in association with the use of the payment means. The cost information acquisition unit acquires information indicating the processing cost for processing the transaction at the provider. The value calculation unit calculates value that can be refunded to the customer based on the fee paid to the provider and the provider's processing cost.

Description

[Technical field]

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

[0002] In recent years, various cashless payment methods, such as credit cards, which are highly convenient for users, have become popular among consumers. When a user uses such a payment method to make a payment at a store, the store pays a set fee (merchant fee) according to the transaction amount, etc. to the payment business operator (acquirer) that has concluded a merchant agreement for that payment method. The merchant fee is generally calculated based on the merchant discount rate determined in a prior agreement (merchant agreement, etc.) between each store and the acquirer, and the transaction amount.

[0003] The acquirer pays a predetermined shopping fee according to the transaction amount or the merchant fee to the business (issuer) that issues the credit card used by the user, and the shopping fee becomes the source of revenue for the issuer. The shopping fee is calculated as an interchange fee by multiplying the transaction amount by a predetermined rate (IRF: Interchange Reimbursement Fee) that is determined for each business type of the merchant or the type of card. Alternatively, the shopping fee is calculated in the form of revenue sharing of the merchant fee by multiplying the merchant fee calculated by the transaction amount and the merchant fee rate by a predetermined rate. As described above, a transaction in which the acquirer business and the issuer business are different is called an off-us transaction. On the other hand, a transaction in which the acquirer business and the issuer business are the same is called an on-us transaction. In an on-us transaction, the issuer and the acquirer are the same payment business, so the merchant fee that the payment business receives as an acquirer becomes the shopping fee, which is the revenue that the payment business that is both the acquirer and the issuer receives from the transaction. [Prior art documents] [Patent documents]

[0004] [Patent Document 1] JP 2019-057138 A Summary of the Invention [Problem to be solved by the invention]

[0005] As mentioned above, the shopping fee, which is the profit of the issuer (which also serves as the acquirer in the case of on-us transactions), varies depending on the transaction amount of each transaction. On the other hand, most of the issuer's costs are fixed costs that do not change depending on the transaction amount, such as system costs, card issuance costs, labor costs, and costs for various member services. Therefore, for high-value transactions, the shopping fee is high, so the issuer makes a profit, but for low-value transactions, the shopping fee is low, so the issuer makes a loss. In recent years, with the spread of cashless payments, cashless payment methods are being used not only for high-value transactions as in the past, but also for low-value transactions that occur on a daily basis. For this reason, the proportion of low-value transactions that make the issuer lose money is increasing, and the issuer's business profit and loss is worsening. In order to avoid the above problems, issuers are forced to take measures such as reducing (so-called deterioration) various services such as insurance, benefits, and points that they have been providing to card members since they joined the card, and raising various fees related to card use. This has resulted in the cards offered by issuers becoming less attractive, and as members withdraw from the card business, the issuers' profits and losses are further worsened.

[0006] The present invention has been made in consideration of the above-mentioned circumstances, and aims to provide an information processing device, an information processing method, and an information processing program for providing a cashless payment means that can provide continuous benefits to both payment means providers and customers who use the payment means. [Means for solving the problem]

[0007] The information processing device has a transaction information acquisition unit, a fee information acquisition unit, a cost information acquisition unit, a fee calculation unit, and a value calculation unit. The transaction information acquisition unit acquires transaction information from a source of transmission of the transaction information, the transaction information including store information, which is identification information of a store where the customer performs a transaction, payment means identification information for identifying a payment means used by the customer in the transaction, and amount information, which is information on the transaction amount in the transaction. The fee information acquisition unit acquires issuer fee information, which is information for calculating an issuer fee to be paid to an issuer that provides the payment means to the customer in association with the use of the payment means in the transaction. The cost information acquisition unit acquires information indicating a processing cost for processing the transaction at the issuer. The fee calculation unit identifies the issuer of the payment means used in the transaction based on the payment means identification information included in the transaction information, and calculates the issuer fee based on the issuer fee information of the identified issuer and the transaction information. The value calculation unit calculates value that can be returned to the customer based on the issuer fee calculated by the fee calculation unit and the processing cost acquired by the cost information acquisition unit.

[0008] The information processing device also has a transaction information acquisition unit, a fee information acquisition unit, a cost information acquisition unit, a fee calculation unit, and a value calculation unit. The transaction information acquisition unit acquires transaction information from a source of transmission of the transaction information, the transaction information including store information, which is identification information of a store where the customer performs a transaction, payment means identification information for identifying a payment means used by the customer in the transaction, and amount information, which is information on the transaction amount in the transaction. The fee information acquisition unit acquires store fee information for calculating a store fee borne by the store in the transaction in association with the use of the payment means in the transaction. The cost information acquisition unit acquires information indicating a processing cost for processing the transaction by a provider that provides the payment means to the store and the customer. The fee calculation unit calculates a store fee based on the store fee information acquired by the fee information acquisition unit and the transaction information. The value calculation unit calculates a value that can be returned to the customer based on the store fee calculated by the fee calculation unit and the processing cost acquired by the cost information acquisition unit.

[0009] The information processing method includes a transaction information acquisition step, a fee information acquisition step, a cost information acquisition step, a fee calculation step, and a value calculation step. The transaction information acquisition step acquires transaction information from a source of the transaction information, the transaction information including store information, which is identification information of a store where the customer performs a transaction, payment means identification information for identifying a payment means used by the customer in the transaction, and amount information, which is information on the transaction amount in the transaction. The fee information acquisition step acquires issuer fee information, which is information for calculating an issuer fee to be paid to an issuer that provides the payment means to the customer in association with the use of the payment means in the transaction. The cost information acquisition step acquires information indicating a processing cost for processing the transaction at the issuer. The fee calculation step identifies the issuer of the payment means used in the transaction based on the payment means identification information included in the transaction information, and calculates the issuer fee based on the issuer fee information of the identified issuer and the transaction information. The value calculation step calculates a value that can be returned to the customer based on the issuer fee calculated in the fee calculation step and the processing cost acquired in the cost information acquisition step.

[0010] The information processing method also includes a transaction information acquisition step, a fee information acquisition step, a cost information acquisition step, a fee calculation step, and a value calculation step. The transaction information acquisition step acquires transaction information from a source of the transaction information, the transaction information including store information, which is identification information of the store where the customer performs the transaction, payment means identification information for identifying the payment means used by the customer in the transaction, and amount information, which is information on the transaction amount in the transaction. The fee information acquisition step acquires store fee information for calculating a store fee to be borne by the store in the transaction in association with the use of the payment means in the transaction. The cost information acquisition step acquires information indicating a processing cost for processing the transaction by a provider that provides the payment means to the store and the customer. The fee calculation step calculates a store fee based on the store fee information acquired in the fee information acquisition step and the transaction information. The value calculation step calculates a value that can be returned to the customer based on the store fee calculated in the fee calculation step and the processing cost acquired in the cost information acquisition step.

[0011] The information processing program is configured to cause a computer to function as the above-mentioned information processing device. Effect of the Invention

[0012] According to an information processing device according to an embodiment of the present invention, information is acquired for calculating a fee to be paid to a provider that provides a payment means to a customer. The information processing device acquires information indicating a processing cost for processing a transaction at the provider. The information processing device identifies the provider of the payment means used in the transaction based on the payment means identification information included in the transaction information, and calculates a fee to be paid to the provider based on the fee information of the identified provider and the transaction information. The information processing device calculates a value that can be refunded to the customer based on the calculated provider's fee and the acquired processing cost of the provider. This makes it possible to calculate a value that can be refunded to a customer who has performed a transaction based on the profit of the provider that provides the payment means used in the transaction and the cost involved in the transaction. Therefore, it is possible to realize a cashless payment means that can continuously provide benefits to both the provider of the payment means and the customer who uses the payment means. [Brief description of the drawings]

[0013] [Figure 1] 1 is a diagram showing a schematic configuration of a payment system according to an embodiment of the present invention. [Diagram 2] FIG. 2 is a block diagram showing a schematic configuration of a store terminal. [Diagram 3] FIG. 2 is a block diagram showing a schematic configuration of an information processing center. [Figure 4] FIG. 2 is a block diagram showing a schematic configuration of an acquirer system. [Diagram 5] FIG. 2 is a block diagram showing a schematic configuration of a payment brand system. [Figure 6] FIG. 2 is a block diagram showing a schematic configuration of an issuer system. [Figure 7] 1 is a block diagram showing a schematic configuration of an information processing device; [Figure 8] FIG. 2 is a block diagram showing a functional configuration of the information processing device. [Figure 9] 10 is a flowchart showing a procedure of a fee information acquisition process executed by an information processing device. [Figure 10]10 is a flowchart showing a procedure of a cost information acquisition process executed by the information processing device. [Figure 11] 13 is a flowchart showing the procedure of a value calculation process executed by the information processing device. [Figure 12] FIG. 11 is a diagram for explaining an example of a value calculation process. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0014] Hereinafter, an embodiment of the present invention will be described with reference to the attached drawings. In the description of the drawings, the same elements are given the same reference numerals, and duplicated description will be omitted. In addition, the dimensional ratios of the drawings may be exaggerated for the convenience of explanation and may differ from the actual ratios.

[0015] (Payment system) First, a payment system according to an embodiment of the present invention will be described.

[0016] FIG. 1 is a diagram showing a schematic configuration of a payment system according to one embodiment of the present invention.

[0017] 1, the payment system includes a store terminal 10, an information processing center 20, an acquirer system 30, a payment brand system 40, an issuer system 50, and an information processing device 60. The store terminal 10, the information processing center 20, the acquirer system 30, the payment brand system 40, the issuer system 50, and the information processing device 60 are connected to each other via a network.

[0018] The store terminal 10 is an information terminal installed in a store that is an affiliated store that uses the payment system. Multiple store terminals 10 may be connected to a payment server via a network, and the payment server may be connected to an information processing center 20 or the like. In this case, the multiple store terminals 10 and the payment server work together to configure the store terminal 10. In addition, if the store is a non-face-to-face affiliated store that conducts non-face-to-face transactions such as Internet sales (EC), the store's payment server or the payment server of a payment agent that executes the store's payment processing and a terminal such as a PC or smartphone used by a customer work together to configure the store terminal 10.

[0019] The information processing center 20 is a system for processing and transmitting / receiving information related to payment. The information processing center 20 may include a system of a payment service provider (PSP) that performs various processes related to payment. Alternatively, instead of the information processing center 20, the system of the payment service provider may be connected as the PSP system 20. Also, the shop terminal 10 may be connected to the acquirer system 30 via a network without going through the information processing center 20 (including the PSP system).

[0020] The acquirer system 30 is a system established by an acquirer (a store contractor) that concludes an affiliated store contract with a store regarding the use of a payment method. If the acquirer has concluded an affiliated store contract with a payment agent, the store may also conclude an affiliated store contract with the payment agent. In this case, the payment agent also functions as an acquirer for the store.

[0021] The payment brand system 40 is a system provided by a payment brand that operates a payment method. When the payment brand itself concludes an affiliated store contract with a store, the payment brand system 40 and the acquirer system 30 may be provided as the same system or as separate systems provided by the same business operator.

[0022] The issuer system 50 is a system provided by an issuer that issues a payment means to a user who is a customer. As a payment means issued by an issuer, for example, a prepaid payment means in which a user charges a value to an account in advance and makes a payment using the value charged to the account is preferably used. As a payment means, a credit card type payment means that makes a payment on a deferred basis based on the credit of the user may be used, or a debit card type payment means that makes a payment by immediately withdrawing from the user's bank account may be used. In addition, when the payment brand itself issues a payment means, the payment brand system 40 and the issuer system 50 may be provided as the same system, or as separate systems by the same business operator. In addition, the payment brand itself may be an acquirer that concludes an affiliated store contract with a store. In this case, the payment brand system 40 and the acquirer system 30 may be provided as the same system, or as separate systems independent of each other. In addition, as described above, the issuer and the acquirer may be the same business operator. In this case, the acquirer system 30 and the issuer system 50 may be provided as a single system, or may be provided as separate, independent systems. In the following, an example will be described in which the acquirer system 30, the payment brand system 40, and the issuer system 50 are each independent systems.

[0023] The information processing device 60 is a device for calculating value (point value or cashback amount) to be returned to a customer in a transaction carried out by the customer at a store using a payment means.

[0024] 1 shows an example in which the information processing device 60 is connected to the acquirer system 30 and the issuer system 50, but is not limited to this. The information processing device 60 may be connected to a store terminal 10, an information processing center 20, a payment brand system 40, etc. Also, in this embodiment, a typical system configuration for credit card payment will be described as an example, but the system configuration is appropriately changed depending on the payment method used, etc.

[0025] Next, each component will be described in detail.

[0026] (Store terminal) FIG. 2 is a block diagram showing a schematic configuration of the store terminal.

[0027] 2, the store terminal 10 includes a control unit 11, a storage unit 12, a communication unit 13, a display unit 14, an operation reception unit 15, and a reading unit 16. Each component is connected to each other via a bus 17 so as to be able to communicate with each other.

[0028] The control unit 11 is a CPU (Central Processing Unit) and controls the above-mentioned components and executes various types of arithmetic processing in accordance with a program.

[0029] The storage unit 12 is composed of a ROM (Read Only Memory) that stores various programs and data in advance, a RAM (Random Access Memory) that temporarily stores programs and data as a working area, a hard disk that stores various programs and data, etc.

[0030] The communication unit 13 is an interface for communicating with other terminals and devices via a network, and transmits and receives various data to and from, for example, an information processing center 20.

[0031] The display unit 14 is composed of a liquid crystal display, a touch panel, etc., and displays various information.

[0032] The operation reception unit 15 is composed of a pointing device such as a mouse, a keyboard, a touch panel, etc., and receives various operations from the user. The display unit 14 and the operation reception unit 15 may be integrated into one device such as a touch panel.

[0033] The reading unit 16 reads and acquires payment means identification information for identifying the payment means used by the customer from the customer's card, the customer's information terminal, etc. The reading unit 16 includes, for example, a contact or contactless card reader, and acquires the payment means identification information from the customer's credit card, etc. The payment means identification information includes, for example, information such as the card number and expiration date of the customer's credit card. The reading unit 16 may include a code reader that reads codes such as one-dimensional codes such as barcodes and two-dimensional codes such as QR Code (registered trademark). For example, in various code payments, the reading unit 16 acquires the payment means identification information by reading a barcode displayed on the customer's information terminal.

[0034] If the store is a non-face-to-face affiliated store, a terminal such as a smartphone used by the customer may constitute the display unit 14, the operation reception unit 15, the reading unit 16, etc. In this case, the reading unit 16 can obtain the payment method identification information by obtaining the information entered by the customer into the payment screen displayed on the display by the browser software of the smartphone or the like.

[0035] (Information Processing Center) FIG. 3 is a block diagram showing a schematic configuration of the information processing center.

[0036] 3, the information processing center 20 includes a control unit 21, a storage unit 22, a communication unit 23, a display unit 24, and an operation reception unit 25. Each component is connected to be able to communicate with each other via a bus 26. Note that the components of the control unit 21, storage unit 22, communication unit 23, display unit 24, and operation reception unit 25 of the information processing center 20 have the same functions as the components of the control unit 11, storage unit 12, communication unit 13, display unit 14, and operation reception unit 15 of the store terminal 10, and therefore description thereof will be omitted.

[0037] (Acquirer System) FIG. 4 is a block diagram showing a schematic configuration of an acquirer system.

[0038] 4, the acquirer system 30 includes a control unit 31, a storage unit 32, a communication unit 33, a display unit 34, and an operation reception unit 35. Each component is connected to each other so as to be able to communicate with each other via a bus 36. Note that each component of the acquirer system 30 has the same function as each component of the information processing center 20, and therefore detailed description thereof will be omitted.

[0039] (Payment brand system) FIG. 5 is a block diagram showing a schematic configuration of a payment brand system.

[0040] 5, the payment brand system 40 includes a control unit 41, a storage unit 42, a communication unit 43, a display unit 44, and an operation reception unit 45. Each component is connected to each other so as to be able to communicate with each other via a bus 46. Note that each component of the payment brand system 40 has the same function as each component of the information processing center 20, and therefore detailed description thereof will be omitted.

[0041] (Issuer System) FIG. 6 is a block diagram showing a schematic configuration of the issuer system.

[0042] 6, the issuer system 50 includes a control unit 51, a storage unit 52, a communication unit 53, a display unit 54, and an operation reception unit 55. Each component is connected to each other so as to be able to communicate with each other via a bus 56. Note that each component of the issuer system 50 has the same function as each component of the information processing center 20, and therefore detailed description thereof will be omitted.

[0043] (Information processing device) FIG. 7 is a block diagram showing a schematic configuration of an information processing device.

[0044] 7, the information processing device 60 includes a control unit 61, a storage unit 62, a communication unit 63, a display unit 64, and an operation reception unit 65. Each component is connected to each other so as to be able to communicate with each other via a bus 66. Note that each component of the information processing device 60 has the same function as each component of the information processing center 20, and therefore detailed description thereof will be omitted.

[0045] (Functions of information processing device) FIG. 8 is a block diagram showing a functional configuration of the information processing device.

[0046] The control unit 61 of the information processing device 60 executes processing by reading the programs stored in the storage unit 62. As a result, the control unit 61 functions as a transaction information acquisition unit 611, a fee information acquisition unit 612, a cost information acquisition unit 613, a fee calculation unit 614, a value calculation unit 615, a value processing unit 616, and a determination unit 617, as shown in FIG.

[0047] The transaction information acquisition unit 611 acquires transaction information from a sender of the transaction information, including store information, which is identification information of the store where the customer makes a transaction, payment method identification information for identifying the payment method used by the customer in the transaction, and amount information, which is information on the transaction amount in the transaction. The payment method may be, for example, a prepaid payment method that the customer charges in advance and uses.

[0048] The fee information acquisition unit 612 acquires issuer fee information, which is information for calculating an issuer fee paid to an issuer that provides a payment means to a customer in response to the use of the payment means in a transaction. The issuer fee information may be information indicating the percentage of the issuer fee to the transaction amount determined by the payment brand. In addition, the issuer fee information may be set so that the percentage of the fee paid to the issuer to the transaction amount varies depending on at least one of the payment brand, the store's industry, the type of payment means, the content or form of the transaction, the country of issuance of the payment means, and the contract status between the issuer of the payment means and the store.

[0049] The cost information acquisition unit 613 acquires information indicating the processing cost for processing a transaction at the issuer of the payment method from the issuer.

[0050] The fee calculation unit 614 identifies the issuer of the payment method used in the transaction based on the payment method identification information included in the transaction information, and calculates the issuer fee based on the issuer fee information of the identified issuer and the transaction information.

[0051] The value calculation unit 615 calculates a value that can be returned to a customer based on the issuer fee calculated by the fee calculation unit 614 and the processing cost acquired by the cost information acquisition unit 613. The value calculation unit 615 calculates the value, for example, by subtracting the value of the processing cost acquired by the cost information acquisition unit 613 from the value of the fee calculated by the fee calculation unit 614.

[0052] The value processing unit 616 returns the value to the customer when the value calculated by the value calculation unit 615 is a positive value, and collects the value from the customer when the value is a negative value. The value processing unit 616 may return the value to the customer as points or cash back.

[0053] The determination unit 617 determines whether the store contractor (acquirer) that receives the store fee borne by the store in the transaction from the store is the same as the issuer or not. When the determination unit 617 determines that the store contractor and the issuer are different, the value calculation unit 615 calculates the value based on the issuer fee and the processing cost.

[0054] Alternatively, the fee information acquisition unit 612 may acquire store fee information for calculating a store fee to be borne by the store in a transaction in association with the use of the payment means in the transaction. The store fee information may be, for example, information indicating a merchant fee rate determined by a store contractor (such as an acquirer or a payment agent acting on behalf of the acquirer) in a merchant contract with the store. The merchant fee rate is, for example, a ratio of the store fee to the transaction amount. In this case, the cost information acquisition unit 613 acquires information indicating a processing cost for a provider (such as an acquirer or an issuer) that provides the payment means to the store and the customer to process the transaction from the provider. Then, the fee calculation unit 614 calculates the store fee based on the store fee information acquired by the fee information acquisition unit 612 and the transaction information. The value calculation unit 615 calculates a value that can be returned to the customer based on the store fee calculated by the fee calculation unit 614 and the processing cost acquired by the cost information acquisition unit 613. For example, when the shop contractor and the issuer of the payment method are the same, the value calculation unit 615 calculates the value based on the shop fee and the processing cost.

[0055] (Processing Overview) The process executed by the information processing device 60 will be described below. In the following, an off-us transaction in which the acquirer and the issuer are different will be described as an example. A processing example in the case of an on-us transaction in which the acquirer and the issuer are the same will be described later as a modified example. The information processing device 60 can determine the acquirer and the issuer in the transaction by using information such as the card number included in the payment method identification information and a pre-stored determination table. The acquirer is a store contractor who receives the store fee borne by the store in the transaction from the store. The issuer is an issuer that issues (provides) the payment method used in the transaction to the customer. If the acquirer and the issuer are the same business, the transaction is determined to be an on-us transaction, and if the acquirer and the issuer are different businesses, the transaction is determined to be an off-us transaction.

[0056] 9 is a flowchart showing the procedure of a fee information acquisition process executed by an information processing device. The algorithm of the process shown in FIG.

[0057] 9, the information processing device 60 waits until a predetermined period of time has elapsed (step S101: NO), and if the predetermined period of time has elapsed (step S101: YES), the information processing device 60 proceeds to the process of step S102. As the predetermined period of time, an arbitrary period of time such as one day or one week is set according to the tendency and frequency of updating the issuer fee information.

[0058] The information processing device 60 judges whether the issuer fee information has been updated (step S102). For example, when the issuer fee is calculated based on the IRF as an interchange fee, the IRF becomes the issuer fee information. In that case, the information processing device 60 accesses the database of the storage unit 42 of the payment brand system 40 or a web page provided by the payment brand system 40 to check the latest IRF. The IRF is information indicating the ratio of the transaction amount and the issuer fee according to, for example, the payment brand, the type of the store, the type of payment means, the content or form of the transaction, the issuing country of the payment means, and the contract status between the issuer of the payment means and the store. The content or form of the transaction includes, for example, the implementation of the transaction, such as whether the transaction is a transaction performed at the store using a payment means each time, or a transaction performed continuously at a predetermined cycle using a payment means registered based on a contract. The content or form of the transaction may also include matters such as whether the transaction is performed using a payment means issued by an issuer, or whether the transaction is performed using various tokens such as a touch payment on a smartphone. The content or form of the transaction may also include matters such as whether the store and acquirer generated sales data within a predetermined period after obtaining approval (authorization) for the credit transaction. Alternatively, when the issuer fee is calculated as a revenue share of the merchant fee, the issuer fee information is information indicating the merchant fee rate and the proportion of the merchant fee paid to the issuer. In this case, the information processing device 60 accesses the acquirer system 30, the payment brand system 40, etc. to obtain information indicating the merchant fee rate and the revenue share ratio applied to the store. Note that the merchant fee rate and the revenue share ratio may also be changed depending on various factors, similar to the above IRF.

[0059] If the issuer fee information has not been updated (step S102: NO), the information processing device 60 ends the process of obtaining issuer fee information.

[0060] If the issuer fee information has been updated (step S102: YES), the information processing device 60 acquires the latest issuer fee information and updates the issuer fee information table stored in the storage unit 62 (step S103). The information processing device 60 ends the process of acquiring issuer fee information. As a result, the latest issuer fee information is stored in the storage unit 62.

[0061] In the above example, the issuer fee information is obtained only when the issuer fee information has been updated, but the method of updating is not limited to this, and the latest issuer fee information may be obtained and updated regardless of whether the issuer fee information has been updated. Also, when the issuer fee information has been updated, only the changed parts may be obtained as differential data and updated. Also, other information such as a judgment table based on the card number provided by the payment brand may be obtained at the same time.

[0062] Furthermore, the information processing device 60 may acquire store master information, in which various information related to the store where the transaction is performed, from the acquirer system 30, etc. The store master information stores store information (member store number, etc.) for identifying each store, the store's type of business, the store's name, the member store commission rate, the payment cycle, and other information associated with each other. The store master information may also store the type of payment terminal used in each store, the unit price of the transaction amount, various information related to fraudulent transactions, information related to the PSP or payment network used, information related to the method of inputting the payment means identification information, and the like.

[0063] 10 is a flowchart showing the procedure of a cost information acquisition process executed by an information processing device. The algorithm of the process shown in FIG. 10 is stored as a program in the storage unit 62 of the information processing device 60, and is executed by the control unit 61.

[0064] As shown in FIG. 10, the information processing device 60 determines whether or not a setting of processing cost information indicating a processing cost has been accepted (step S201).

[0065] If the setting of the processing cost information has not been accepted (step S201: NO), the information processing device 60 waits until the setting of the processing cost information is accepted.

[0066] When the setting of the processing cost information is accepted (step S201: YES), the information processing device 60 stores the set processing cost information in the storage unit 62 (step S202). The processing cost information is, for example, information indicating the amount of processing cost per transaction for each issuer. When there are multiple issuers, the processing cost information is set and stored for each issuer. The processing cost includes various costs for each issuer to provide a payment method. For example, the processing cost may include system costs, card issuing costs, labor costs, costs of various membership services such as points, incidental insurance, and promotional services, printing and postal costs, payment brand costs, and costs related to fraud damage. For example, the amount of the processing cost per transaction for each issuer is calculated from the processing cost for a certain period for each issuer and the number of transactions in that period. The information processing device 60 accepts the setting of the processing cost information from each issuer, for example. Alternatively, the information processing device 60 may receive settings of processing cost information from an operator or the like who calculates the processing cost based on information from each issuer.

[0067] Fig. 11 is a flowchart showing the procedure of the value calculation process executed by the information processing device. Fig. 12 is a diagram for explaining an example of the value calculation process. The algorithm of the process shown in Fig. 11 is stored as a program in the storage unit 62 of the information processing device 60, and is executed by the control unit 61.

[0068] As shown in FIG. 11, the information processing device 60 acquires transaction information (step S301). For example, the information processing device 60 acquires transaction information from the issuer system 50 according to a predetermined cycle, such as once a day. In this embodiment, an example in which the value calculation process is executed for each transaction will be described, but this is not limited to this, and the value calculation process may be executed collectively for multiple transactions to which the same conditions are applied. The transaction information may include store information, payment method identification information, transaction amount information, information indicating the content or form of the transaction, etc.

[0069] Next, the information processing device 60 acquires issuer fee information to be applied to the transaction based on the transaction information acquired in the process of step S301 (step S302). For example, the information processing device 60 identifies the type of business of the store where the transaction was executed based on the store information included in the transaction information and the store master stored in advance in the storage unit 62. The information processing device 60 also identifies the payment brand and type of the payment method used based on the card number included in the transaction information as payment method identification information and a judgment table stored in advance in the storage unit 62. The information processing device 60 also identifies the content or form of the transaction, the issuing country of the payment method, contract information with the store, etc. based on the transaction information. The information processing device 60 acquires issuer fee information for the transaction by referring to the issuer fee information stored in the storage unit 62 based on the identified information.

[0070] Next, the information processing device 60 refers to the processing cost information of each issuer stored in the storage unit 62, and acquires the processing cost information of the issuer that issued the payment method used in the transaction (step S303).

[0071] Next, the information processing device 60 calculates the issuer fee for the transaction based on the transaction information acquired in the process of step S301 and the issuer fee information acquired in the process of step S302 (step S304). For example, the information processing device 60 can calculate the issuer fee by applying the IRF acquired in the process of step S302 or the ratio of the affiliated store commission rate and the revenue share to the transaction amount.

[0072] Next, the information processing device 60 calculates a value that can be refunded to the customer based on the issuer fee calculated in the process of step S304 and the processing cost acquired in the process of step S303 (step S305). Figure 12 shows the relationship between the transaction amount, the issuer fee as the issuer's revenue, and the value that can be refunded to the user as the value obtained by subtracting the processing cost from the issuer's revenue. The transaction amount is shown to range from 1,000 yen to 3,000,000 yen, and three IRFs are shown: 0.60%, 1.20%, and 2.28%, and the processing cost is set to 200 yen per transaction.

[0073] For example, if the transaction amount is 50,000 yen and the IRF is 0.60%, the issuer's revenue will be 300 yen, and 100 yen, excluding the processing cost of 200 yen, will be calculated as the value that can be returned to the user. In this case, the return rate to the user will be 0.20%. On the other hand, even if the transaction amount is the same 50,000 yen, if the IRF is 2.28%, the issuer's revenue will be 1,140 yen, and 940 yen, excluding the processing cost of 200 yen, will be calculated as the value that can be returned to the user. In this case, the return rate to the user will be a large value of 1.88%.

[0074] Also, if the transaction amount is 200,000 yen and the IRF is 0.60%, the issuer's revenue will be 1,200 yen, and 1,000 yen, excluding the 200 yen processing cost, will be calculated as the value that can be returned to the user. In this case, the return rate to the user is 0.50%. On the other hand, even if the transaction amount is the same 200,000 yen, if the IRF is 2.28%, the issuer's revenue will be 4,560 yen, and 4,360 yen, excluding the 200 yen processing cost, will be calculated as the value that can be returned to the user. In this case, the return rate to the user will be an even larger value of 2.18%.

[0075] On the other hand, if the transaction amount is 1,000 yen, and the IRF is 0.60%, the issuer's profit will be 6 yen, and after deducting the processing cost of 200 yen, the value that can be returned to users will be calculated as a negative value of -194 yen. In this case, the issuer's business profit and loss will be in the red, so in order to continue the business, the issuer collects value equivalent to 194 yen from the user. Also, even if the transaction amount is the same 1,000 yen, in a transaction with an IRF of 2.28%, the issuer's profit will be 23 yen, and after deducting the processing cost of 200 yen, the value that can be returned to users will be calculated as a negative value of -177 yen. In this case, the issuer's business profit and loss will be in the red, so in order to continue the business, the issuer collects value equivalent to 177 yen from the user.

[0076] If the value that can be returned to the user becomes a negative value, the value may be collected from the user as described above, or the value may simply not be collected from the user and no refund may be given to the user, taking into consideration the relationship with the user, etc. Even when collecting value from the user, various adjustments may be made, such as reducing the amount to be collected, or not collecting the value if certain conditions such as the average cost of use are met.

[0077] In addition, in the example of Figure 12, an example was given of calculating the issuer's revenue using the IRF, but even in a form in which merchant fees are revenue shared, the processing is performed in the same way by subtracting the processing costs from the calculated issuer's revenue.

[0078] Next, the information processing device 60 determines whether there is next transaction information to be processed (step S306).

[0079] If there is next transaction information to be processed (step S306: YES), the information processing device 60 returns to the process of step S301 and repeats the processes of steps S301 to S305.

[0080] If there is no next transaction information to be processed (step S306: NO), the information processing device 60 outputs the value that can be refunded to the customer calculated in the process of step S305 (step S307). For example, the information processing device 60 aggregates and outputs information indicating the calculated value value in any unit, such as for each user or for each payment method account. For example, the information processing device 60 may refund the calculated value to the user as points or cashback. In addition, the information processing device 60 may output the calculated value by sending it to a pre-specified destination, such as the issuer system 50 or the acquirer system 30. This allows the issuer or the like to properly grasp the value of the value that can be refunded to the user. The issuer may refund the user by giving points equivalent to the amount of the refundable value to the user, or may refund the user as cashback. In the above embodiment, an example in which transaction information for a predetermined period is acquired collectively and processing is performed has been described, but this is not limited to this. For example, the information processing device 60 may calculate the value that can be refunded to the user for each transaction and output the calculated value so that the user can view it each time.

[0081] Although an example of the processing of the payment system has been described above, the present invention is not limited to the above-described embodiment, and various modifications can be made within the scope of the claims.

[0082] (Modification) In the above embodiment, an off-us transaction in which the acquirer and issuer are different companies has been described as an example, but the same processing can be performed in the case of an on-us transaction in which the acquirer and issuer are the same company. This will be described in detail below.

[0083] In on-us transactions, since the acquirer and the issuer are the same, the issuer's profit in the transaction can be considered to be the same as the acquirer's profit. The acquirer's profit in the transaction is the merchant's fee. Therefore, in on-us transactions, the information processing device 60 uses the merchant's fee rate (MDR: Merchant Discount Rate), which is store fee information for calculating the store fee borne by the store in the transaction, instead of the IRF. In addition, in on-us transactions, the information processing device 60 acquires and uses information indicating the amount of the processing cost per transaction at the acquirer in addition to the above-mentioned issuer costs as the processing cost. The processing cost of the acquirer may include system costs, payment terminal costs, labor costs, bank transfer fees, costs of various store services such as promotional services, printing and postal costs, payment brand costs, costs related to fraud damage, etc. For example, the amount of the processing cost per transaction at the acquirer is calculated from the processing cost at the acquirer for a certain period and the number of transactions in that period. The information processing device 60 receives the setting of the processing cost information from, for example, an acquirer / issuer that performs on-us transactions. Alternatively, the information processing device 60 may receive the setting of the processing cost information from an operator or the like that calculates the processing cost based on information from the acquirer / issuer.

[0084] Therefore, in the case of an on-us transaction, the information processing device 60 checks whether the MDR has been updated instead of the IRF in each process of Fig. 9, and acquires and stores the latest MDR. Also, in the case of an on-us transaction, the information processing device 60 acquires and stores processing cost information of the acquirer and issuer instead of the issuer's processing cost in each process of Fig. 10. In the case of an on-us transaction, the information processing device 60 acquires the MDR applied to the target transaction in the process of step S302 in Fig. 11, and acquires the processing cost of the acquirer / issuer that processes the transaction in the process of step S303. Then, the information processing device 60 calculates the affiliated store fee, which is the revenue of the acquirer / issuer, in the process of step S304, and calculates the value that can be returned to the user by subtracting the processing cost from the affiliated store fee in the process of step S305.

[0085] In addition, even in on-us transactions, if the issuer's revenue is clearly distinguished within the business that acts as both acquirer and issuer, and the issuer's revenue can be calculated based on issuer fee information, the value that can be returned to the customer may be calculated based on the issuer fee and the issuer's processing costs.

[0086] Although an example of the processing of the payment system has been described above, the present invention is not limited to the above-described embodiment, and various modifications can be made within the scope of the claims.

[0087] For example, in the above embodiment, the payment method is described as a prepaid payment, but the payment method is not limited to this. Payment methods include all kinds of payment methods such as debit card payment, prepaid card payment, electronic money payment, various code payments, various ID payments, convenience store payment, and deferred payment.

[0088] In addition, the types of stores included are face-to-face member stores that conduct face-to-face transactions with customers, as well as non-face-to-face member stores that conduct non-face-to-face transactions via various communication means such as the Internet, telephone, and written documents, without meeting customers face-to-face.

[0089] Depending on the payment method, the business organization and division of functions of the roles of payment brand, payment method issuer, and acquirer may differ from those of the above-mentioned embodiment and modified example. For example, the payment brand and the payment method issuer may be the same business, the payment brand and the acquirer may be the same business, or the acquirer and the payment method issuer may be the same business. Even in such cases, the present invention can be applied in the same way as the above-mentioned embodiment by applying the roles of each business to acquirer and issuer.

[0090] For example, in the case of convenience store payment, the provider that provides the convenience store payment method is both a payment brand and an issuer that issues (provides) a payment method to a customer. In some cases, the provider itself enters into an affiliated store contract with a store and becomes an acquirer, but in many cases, a payment agent that can handle other payment methods collectively enters into an affiliated store contract with the provider, and the payment agent enters into an affiliated store contract with the store. In this case, the payment agent becomes the acquirer in this embodiment. The commission paid by the payment agent to the provider, which is also an issuer, becomes the issuer fee. Therefore, even in the case of convenience store payment, the information processing device 60 can calculate the value that can be refunded to the user based on the issuer fee information and the issuer's processing cost information. In addition, in the case where the issuer and acquirer are the same business, the information processing device 60 can calculate the value that can be refunded to the user based on the store fee information and the issuer / acquirer's processing cost information.

[0091] The case of deferred payment is similar to the convenience store payment described above. The provider that offers the deferred payment method is both a payment brand and an issuer that issues (provides) a payment method to customers. When the payment agent concludes an affiliated store contract with the provider, and the payment agent concludes an affiliated store contract with a store, the payment agent becomes the acquirer in this embodiment. Therefore, even in the case of deferred payment, the information processing device 60 can calculate the value that can be refunded to the user based on the issuer fee information and the issuer's processing cost information. When the issuer and acquirer are the same business, the information processing device 60 can calculate the value that can be refunded to the user based on the store fee information and the issuer / acquirer's processing cost information.

[0092] In the above embodiment, the issuer fee information is a rate that is set differently depending on the type of store, the type of payment method, etc., but the present invention is not limited to this. For example, a uniform rate may be set as the issuer fee information, or a fixed amount instead of a rate may be set. Furthermore, the amount may be set in stages depending on the range of transaction amounts, and any judgment conditions or calculation formulas, such as a combination of such amounts and rates, may be set as the issuer fee information.

[0093] The payment system may include devices other than the store terminal 10, the information processing center 20, the acquirer system 30, the payment brand system 40, the issuer system 50, and the information processing device 60, or may not include any of the components. Each of the store terminal 10, the information processing center 20, the acquirer system 30, the payment brand system 40, the issuer system 50, and the information processing device 60 may include components other than the above components, or may not include some of the above components.

[0094] In addition, the functions of each component may be realized by other components. For example, some of the functions described as those of the information processing device 60 may be executed by other components such as the information processing center 20, the acquirer system 30, the payment brand system 40, the issuer system 50, etc.

[0095] Furthermore, the store terminal 10, the information processing center 20, the acquirer system 30, the payment brand system 40, the issuer system 50, and the information processing device 60 may each be composed of multiple devices, or may be composed of a single device.

[0096] In addition, the process in the billing support system according to the above embodiment may include steps other than those in the above flowchart, or may not include some of the above steps. The order of the steps is not limited to the above embodiment. Furthermore, each step may be combined with other steps and executed as one step, may be included in other steps and executed, or may be divided into multiple steps and executed.

[0097] As described above, according to the information processing device 60 of the present embodiment, transaction information including store information, which is identification information of a store, payment means identification information for identifying a payment means used by a customer, and amount information, which is information on the transaction amount, is acquired from a transmission source of the transaction information. The information processing device 60 acquires issuer fee information, which is information for calculating an issuer fee to be paid to an issuer that provides a payment means to a customer in association with the use of the payment means in the transaction. The information processing device 60 acquires information indicating a processing cost for processing the transaction at the issuer. The information processing device 60 identifies the issuer of the payment means used in the transaction based on the payment means identification information included in the transaction information, and calculates the issuer fee based on the issuer fee information of the identified issuer and the transaction information. The information processing device 60 calculates a value that can be returned to the customer based on the calculated issuer fee and the acquired processing cost. This makes it possible to calculate a value that can be returned to the customer who has performed the transaction based on the profit in the transaction of the issuer that provides the payment means used in the transaction and the cost of the transaction at the issuer. Therefore, it is possible to realize a cashless payment means that can continuously provide benefits to both the provider of the payment means and the customer who uses the payment means. The above configuration makes it possible to provide continuous benefits to both the issuer business and the customer, particularly in off-us transactions where the acquirer and issuer are different.

[0098] The information processing device 60 also acquires transaction information including store information, which is store identification information, payment means identification information for identifying the payment means used by the customer, and amount information, which is information on the transaction amount, from the sender of the transaction information. The information processing device 60 acquires store fee information for calculating a store fee borne by the store in a transaction in association with the use of the payment means in the transaction. The information processing device 60 acquires information indicating a processing cost for a provider that provides the payment means to the store and the customer to process the transaction. The information processing device 60 calculates a store fee based on the acquired store fee information and the transaction information. The information processing device 60 calculates a value that can be refunded to the customer based on the calculated store fee and the acquired processing cost. This makes it possible to calculate a value that can be refunded to the customer who has made the transaction based on the profit in the transaction of the provider that provides the payment means used in the transaction and the cost of the transaction for the provider. Therefore, it is possible to realize a cashless payment means that can continuously provide benefits to both the provider of the payment means and the customer who uses the payment means. The above configuration makes it possible to provide continuous benefits to both the acquirer / issuer business and the customer, particularly in on-us transactions where the acquirer and issuer are the same.

[0099] For the customer, when a transaction using the payment means is made in which the profit of the provider of the payment means is large, such as a high-value transaction or a transaction at a store in an industry where the provider's commission rate is high, the amount and rate of points or cashback will be increased according to the provider's profit. When providing a payment means to a customer, the provider of the payment means can use the information processing device 60 of this embodiment to appropriately calculate the value that can be returned to the customer for each transaction and then return points or cashback to the customer. Therefore, the provider of the payment means can give a strong motivation to the customer to make a high-value transaction or a transaction at a store with a high commission rate, and can promote the use of the payment means. In this way, the information processing device 60 of this embodiment makes it possible to continuously provide benefits to both the provider of the payment means and the customer who uses the payment means.

[0100] As mentioned above, the commission fee, which is the profit of the payment means provider, varies depending on the transaction amount of each transaction. On the other hand, most of the costs of the payment means provider are fixed costs such as system costs and labor costs that do not vary depending on the transaction amount. Therefore, for high-value transactions, the shopping commission is also high, so the provider will have a surplus, but for low-value transactions, the shopping commission is also low, so the provider will have a deficit. In recent years, with the spread of cashless payments, cashless payment means are used not only for high-value transactions as in the past, but also for low-value transactions that occur on a daily basis. For this reason, the provider is facing a problem that the proportion of low-value transactions that result in a deficit is increasing, and business profit and loss is worsening. In order to avoid the above problems, the provider is forced to take measures such as reducing various services such as insurance, benefits, and points that have been provided to customers since joining (so-called deterioration) and raising various fees related to card use. This has caused the attractiveness of the payment means to decrease, and the problem of the provider's business profit and loss worsening due to members' withdrawal, etc. has also arisen. According to the information processing device 60 of this embodiment, for each transaction carried out using a payment means, the profit and cost of the provider of the payment means are identified and the value that can be returned to the customer is calculated. Therefore, since it is possible to appropriately adjust the income and expenditure of the payment means provider for each transaction and to return appropriate value to the customer according to the profit, it is possible to continuously provide benefits to both the provider of the payment means and the customer who uses the payment means.

[0101] Furthermore, the information processing device 60 may calculate the value that can be returned to the customer by subtracting the acquired processing cost value from the calculated fee value. This makes it possible to realize a cashless payment method that can provide benefits to customers on a continuous basis without causing losses to the payment method provider.

[0102] Furthermore, the information processing device 60 may return the value to the customer if the calculated value is a positive value, and collect the value from the customer if the calculated value is a negative value. This makes it possible to realize a cashless payment method that can provide benefits to the customer on an ongoing basis without causing the provider of the payment method to incur losses. Furthermore, when the value is negative, the information processing device 60 may collect the value from the customer by subtracting points equivalent to the value from the customer, thereby preventing the customer from making a transaction that is less profitable for the provider of the payment method. This allows the payment method to be used in transactions that are more profitable for the provider, thereby increasing the provider's profits and profit margins.

[0103] The payment means may be a prepaid payment means that is charged in advance by the customer. This eliminates the need for the payment means provider to procure funds and pay in advance to enable the customer to pay later, to assess the customer's creditworthiness and ability to pay, and to incur losses for transactions that have become recoverable. This allows the payment means provider to reduce the risks and costs described above, and therefore reduces the processing costs required for transactions, and further increases the value that can be returned to customers. Furthermore, since prepaid payment means can be used anonymously using only the identification information of the payment means without being associated with the user's personal information, they are easy to issue and manage, and can be widely used for gifts and other purposes. In addition, prepaid payment means can be used in a manner that associates the user's personal information and bank account information and charges value from a bank account (such as charging based on user operations or auto-charging based on balance conditions). This makes it possible to continuously provide great benefits to both the payment means provider and the customer who uses the payment means.

[0104] In addition, the information processing device 60 returns the value to the customer as points or cash back. This allows the payment means provider to return value to the customer according to the profit of the transaction in a way that is easier for the customer to understand and has a large advantage.

[0105] The issuer fee information indicates the ratio of the issuer fee to the transaction amount. This makes it possible to easily identify the issuer fee and calculate the value that can be returned to the customer, for example, when the issuer fee is determined based on the IRF or the like determined by the payment brand.

[0106] In addition, the issuer fee information is set according to at least one of the following: the payment brand that operates the payment instrument, the store's industry, the type of payment instrument, the content or form of the transaction, the issuing country of the payment instrument, and the contract status between the issuer of the payment instrument and the store. This makes it possible to calculate the value that can be returned to the customer using the issuer fee even if the issuer fee varies depending on the store's industry, the type of payment instrument, the content or form of the transaction, the issuing country of the payment instrument, etc.

[0107] The issuer fee information may also be information indicating the ratio of the issuer fee to the merchant fee calculated based on the transaction amount and a predetermined merchant fee rate. This makes it possible to easily identify the issuer fee and calculate the value that can be returned to the customer, even when the issuer fee is determined by a revenue sharing method in which the merchant fee is shared between the acquirer and the issuer at a predetermined rate.

[0108] Furthermore, the information processing device 60 determines whether the store contractor who receives the store fee borne by the store in the transaction from the store is the same as the issuer, and if it is determined that the store contractor and the issuer are different, calculates value based on the issuer fee and processing costs. This makes it possible to appropriately calculate value that can be returned to a customer who has performed a transaction in an off-us transaction where the acquirer and issuer are different, based on the issuer's profit in the transaction and the issuer's costs for the transaction.

[0109] Furthermore, the information processing device 60 determines whether the store contractor who receives the store fee borne by the store in the transaction from the store is the same as the issuer, and calculates value based on the store fee and processing costs when the store contractor and the issuer of the payment instrument are the same. This makes it possible to appropriately calculate the value that can be returned to the customer who has conducted the transaction in an on-us transaction where the acquirer and issuer are the same, based on the profit of the acquirer / issuer business in the transaction and the cost of the transaction for that business.

[0110] The store fee information indicates the ratio of the store fee to the transaction amount. This makes it possible to easily determine the profit of the acquirer / issuer business in the transaction based on, for example, the merchant commission rate determined between the acquirer and the store, and calculate the value that can be returned to the customer.

[0111] The means and methods for performing various processes in each device of the system according to the above-mentioned embodiment can be realized by either a dedicated hardware circuit or a programmed computer. The above-mentioned program may be provided by a computer-readable recording medium such as a CD-ROM (Compact Disc Read Only Memory), or may be provided online via a network such as the Internet. In this case, the program recorded on the computer-readable recording medium is usually transferred to and stored in a storage unit such as a hard disk. The above-mentioned program may be provided as a standalone application software, or may be incorporated into the software of each device of the system as one function of the device. [Explanation of symbols]

[0112] 10 store terminals, 11 Control section, 12 storage section, 13 Communications Department, 14 Display section, 15 Operation reception unit, 16 Reading unit, 20 Information Processing Center (PSP System), 21 Control section, 22 Memory section, 23 Communications Department, 24 Display section, 25 Operation reception unit, 26 buses, 30 Acquirer System, 31 Control section, 32 storage section, 33 Communications Department, 34 Display section, 35 Operation reception unit, 36 buses, 40 Payment brand systems, 41 control section, 42 Memory section, 43 Communications Department, 44 Display section, 45 Operation reception unit, 46 Bus, 50 Issuer Systems, 51 control section, 52 Memory section, 53 Communications Department, 54 Display section, 55 Operation reception unit, 56 Bus, 60 Information processing device, 61 control section, 611 Transaction information acquisition unit, 612 fee information acquisition unit, 613 cost information acquisition unit, 614 Fee Calculation Department, 615 Value Calculation Unit, 616 Value processing unit, 617 Judgment Department, 62 Memory section, 63 Communications Department, 64 Display section, 65 Operation reception unit, 66 Bus.

Claims

1. a transaction information acquisition unit that acquires transaction information from a source of transmission of the transaction information, the transaction information including store information, which is identification information of a store where a customer makes a transaction, payment means identification information for identifying a payment means used by the customer in the transaction, and amount information, which is information on the transaction amount in the transaction; a fee information acquisition unit that acquires issuer fee information, which is information for calculating an issuer fee to be paid to an issuer that provides the payment means to the customer in association with the use of the payment means in the transaction; a cost information acquisition unit that acquires information indicating a processing cost for processing the transaction at the issuer; a fee calculation unit that identifies an issuer of the payment method used in the transaction based on the payment method identification information included in the transaction information, and calculates the issuer fee based on the issuer fee information of the identified issuer and the transaction information; a value calculation unit that calculates a value that can be returned to the customer based on the issuer fee calculated by the fee calculation unit and the processing cost acquired by the cost information acquisition unit; An information processing device having the above configuration.

2. a transaction information acquisition unit that acquires transaction information from a source of transmission of the transaction information, the transaction information including store information, which is identification information of a store where a customer makes a transaction, payment means identification information for identifying a payment means used by the customer in the transaction, and amount information, which is information on the transaction amount in the transaction; a fee information acquisition unit that acquires store fee information for calculating a store fee to be paid by the store in the transaction in association with the use of the payment means in the transaction; a cost information acquisition unit that acquires information indicating a processing cost for a provider that provides the payment means to the store and the customer to process the transaction; a fee calculation unit that calculates the store fee based on the store fee information acquired by the fee information acquisition unit and the transaction information; a value calculation unit that calculates a value that can be returned to the customer based on the store fee calculated by the fee calculation unit and the processing cost acquired by the cost information acquisition unit; An information processing device having the above configuration.

3. The information processing apparatus according to claim 1 , wherein the value calculation unit calculates the value by subtracting a value of the processing cost acquired by the cost information acquisition unit from a value of the fee calculated by the fee calculation unit.

4. 3. The information processing device according to claim 1, further comprising a value processing unit that, if the value calculated by the value calculation unit is a positive value, returns the value to the customer, and, if the value is a negative value, collects the value from the customer.

5. 3. The information processing apparatus according to claim 1, wherein the payment means is a prepaid payment means which is charged in advance by the customer.

6. The information processing device according to claim 4 , wherein the value processing unit returns the value to the customer as points or cash back.

7. The information processing apparatus according to claim 1 , wherein the issuer fee information indicates a ratio of the issuer fee to the transaction amount.

8. 2. The information processing device according to claim 1, wherein the issuer fee information is set according to at least one of the payment brand that operates the payment means, the industry of the store, the type of the payment means, the content or form of the transaction, the country of issue of the payment means, and the contract status between the issuer of the payment means and the store.

9. The information processing device according to claim 1 , wherein the issuer fee information indicates a ratio of the issuer fee to the affiliated store fee calculated based on the transaction amount and a predetermined affiliated store fee rate.

10. a judgment unit for judging whether a store contractor who receives a store fee borne by the store in the transaction from the store is the same as or different from the issuer; The information processing device according to claim 1 , wherein the value calculation unit calculates the value based on the issuer fee and the processing cost when the determination unit determines that the shop contractor and the issuer are different.

11. a judgment unit for judging whether a store contractor who receives a store fee borne by the store in the transaction from the store and an issuer who provides the payment means to the customer are the same or different; 3. The information processing device according to claim 2, wherein the value calculation unit calculates the value based on the store fee and the processing cost when a store contractor who receives a store fee borne by the store in the transaction from the store is the same as an issuer of the payment method.

12. The information processing device according to claim 11 , wherein the store fee information indicates a ratio of the store fee to the transaction amount.

13. A computer-implemented information processing method, comprising: a transaction information acquisition step in which the computer acquires transaction information from a source of transmission of the transaction information, the transaction information including store information, which is identification information of a store where the customer makes a transaction, payment means identification information for identifying a payment means used by the customer in the transaction, and amount information, which is information on the transaction amount in the transaction; a fee information acquisition step in which the computer acquires issuer fee information, which is information for calculating an issuer fee to be paid to an issuer that provides the payment means to the customer in association with the use of the payment means in the transaction; a cost information obtaining step of the computer obtaining, from the issuer, information indicating a processing cost for processing the transaction at the issuer; a fee calculation step in which the computer identifies the issuer of the payment method used in the transaction based on the payment method identification information included in the transaction information, and calculates the issuer fee based on the issuer fee information of the identified issuer and the transaction information; a value calculation step in which the computer calculates a value that can be returned to the customer based on the issuer fee calculated in the fee calculation step and the processing cost acquired in the cost information acquisition step; An information processing method comprising:

14. A computer-implemented information processing method, comprising: a transaction information acquisition step in which the computer acquires transaction information from a source of transmission of the transaction information, the transaction information including store information, which is identification information of a store where the customer makes a transaction, payment means identification information for identifying a payment means used by the customer in the transaction, and amount information, which is information on the transaction amount in the transaction; a fee information acquisition step in which the computer acquires store fee information for calculating a store fee to be paid by the store in the transaction in association with the use of the payment means in the transaction; a cost information acquisition step in which the computer acquires, from a provider that provides the payment means to the store and the customer, information indicating a processing cost for the provider to process the transaction; a fee calculation step in which the computer calculates the store fee based on the store fee information acquired in the fee information acquisition step and the transaction information; a value calculation step in which the computer calculates a value that can be returned to the customer based on the store fee calculated in the fee calculation step and the processing cost acquired in the cost information acquisition step; An information processing method comprising:

15. An information processing program for causing a computer to function as the information processing device according to claim 1 or 2.

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