First payment management device, first payment management method, and first payment management program

Abstract

To properly determine the contents of a privilege for a user who made a settlement in accordance with whether user information is linked on services provided by multiple settlement business operators.SOLUTION: A first settlement management apparatus includes a settlement control unit, an acquisition unit, and a determination unit. The settlement control unit controls a settlement of a predetermined user using first settlement means. The acquisition unit acquires a history of settlements made by the predetermined user using second settlement means which is different from the first settlement means. The determination unit determines the contents of a privilege to be offered when the predetermined user makes a settlement using the first settlement means or the second settlement means, on the basis of the history of settlements.SELECTED DRAWING: Figure 4

Description

[Technical Field]

[0001] The present invention relates to a first payment management device, a first payment management method, and a first payment management program. [Background technology]

[0002] 2. Description of the Related Art Conventionally, a technique is known for determining a benefit to be given to a user based on a benefit giving condition corresponding to a payment method. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Japanese Patent Publication No. 2020-008960 Summary of the Invention [Problem to be solved by the invention]

[0004] However, conventional technology has not been able to appropriately determine the content of benefits to be given to users who make payments depending on whether or not user information is linked across services provided by multiple payment providers.

[0005] The present application has been made in consideration of the above, and aims to appropriately determine the content of benefits to be given to users who make payments depending on whether or not user information is linked across services provided by multiple payment service providers. [Means for solving the problem]

[0006] The first payment management device of the present application is characterized by having a payment control unit that controls payments of a specified user using a first payment means, an acquisition unit that acquires a history of payments made by the specified user using a second payment means different from the first payment means, and a determination unit that determines the content of the benefits to be provided when the specified user makes a payment using the first payment means or the second payment means based on the payment history. [Effects of the Invention]

[0007] According to one aspect of the embodiment, it is possible to appropriately determine the content of the benefits to be given to a user who makes a payment depending on whether or not user information is linked to services provided by multiple payment providers. [Brief explanation of the drawings]

[0008] [Figure 1] FIG. 1 is a diagram illustrating an example of information processing according to an embodiment. [Figure 2] FIG. 2 is a diagram illustrating an example of the configuration of an information processing system according to the embodiment. [Figure 3] FIG. 3 is a diagram illustrating an example of the configuration of a user terminal according to the embodiment. [Figure 4] FIG. 4 is a diagram illustrating an example of the configuration of the first payment management server according to the embodiment. [Figure 5] FIG. 5 is a diagram illustrating an example of a user information storage unit according to the embodiment. [Figure 6] FIG. 6 is a diagram illustrating an example of a payment information storage unit according to the embodiment. [Figure 7] FIG. 7 is a diagram illustrating an example of a benefit providing condition storage unit according to the embodiment. [Figure 8] FIG. 8 is a diagram illustrating an example of the configuration of the second payment management server according to the embodiment. [Figure 9] FIG. 9 is a diagram illustrating an example of a user information storage unit according to the embodiment. [Figure 10] FIG. 10 is a diagram illustrating an example of a payment information storage unit according to the embodiment. [Figure 11] FIG. 11 is a flowchart illustrating an example of a procedure for information processing according to the embodiment. [Figure 12] FIG. 12 is a hardware configuration diagram illustrating an example of a computer that realizes the functions of the second payment management server. [Figure 13] FIG. 13 is a hardware configuration diagram illustrating an example of a computer that realizes the functions of the second payment management server. DETAILED DESCRIPTION OF THE INVENTION

[0009] Below, a detailed description will be given of a form (hereinafter referred to as "embodiment") for implementing the first payment management device, first payment management method, and first payment management program according to the present application, with reference to the drawings. Note that the first payment management device, first payment management method, and first payment management program according to the present application are not limited to this embodiment. Furthermore, the same components in each of the following embodiments will be given the same reference numerals, and duplicated descriptions will be omitted.

[0010] [1-1. Information Processing System Configuration] Prior to explaining FIG. 1, the configuration of the determination system 1 will be described using FIG. 2. FIG. 2 is a diagram showing an example of the configuration of an information processing system according to an embodiment. As shown in FIG. 2, the determination system 1 according to an embodiment includes a user terminal 10, a first payment management server 100, and a second payment management server 200. The user terminal 10, the first payment management server 100, and the second payment management server 200 are connected to each other via a network N so as to be able to communicate with each other via wired or wireless communication. The network N is, for example, a wide area network (WAN) such as the Internet. Note that the determination system 1 shown in FIG. 2 may include a plurality of user terminals 10, a plurality of first payment management servers 100, and a plurality of second payment management servers 200.

[0011] The user terminal 10 shown in FIG. 2 is an information processing device used by a user. For example, the user terminal 10 displays an information code (e.g., an information code displayed at the time of payment) such as a QR code (registered trademark) for payment set on a predetermined installed application. The user terminal 10 is realized by, for example, a smartphone, a tablet terminal, a laptop PC (Personal Computer), a desktop PC, a mobile phone, a PDA (Personal Digital Assistant), etc. Furthermore, the user terminal 10 displays information distributed by the first payment management server 100 or the second payment management server 200 using a web browser or an application. Note that the example shown in FIG. 1 shows a case where the user terminal 10 is a smartphone.

[0012] When the user terminal 10 receives control information for realizing predetermined information processing from the first payment management server 100 or the second payment management server 200, the user terminal 10 realizes the information processing in accordance with the control information. Here, the control information is described in, for example, a script language such as JavaScript (registered trademark) or a style sheet language such as CSS (Cascading Style Sheets). Note that the predetermined application itself delivered from the first payment management server 100 or the second payment management server 200 may be regarded as control information.

[0013] 2 is an information processing device that executes information processing according to the embodiment, and is realized by a server device, a cloud system, etc. For example, the first payment management server 100 determines a benefit to be granted to a user (e.g., a benefit grant rate applied to the user) based on payment information via multiple payment methods, including user payment information provided by other payment service providers.

[0014] The first payment management server 100 provides a payment service that allows payments using multiple payment methods. First, the first payment management server 100 provides a payment service via the user terminal 10. For example, the first payment management server 100 provides a payment service in which payments are made by subtracting the amount of electronic money related to the payment from an electronic money account called a wallet using the user terminal 10. The payment services provided by the first payment management server 100 also include services based on payments using third-party payment methods. Therefore, second, the first payment management server 100 provides a payment service called deferred payment, in which the user is billed at a later date without using electronic money in the wallet. Third, the first payment management server 100 provides a payment service called credit card payment, in which payments are made using the user terminal 10 but the electronic money in the wallet is not used and the user is billed via a credit card contracted by the user. For deferred payment and credit card payment, the first payment management server 100 enables payments by using third-party payment services via the payment service of the first payment service provider. In addition, the first payment management server 100 provides benefits for payments made using all payment methods, including payments made using other people's payment methods.

[0015] The second payment management server 200 shown in FIG. 2 is an information processing device that executes information processing according to the embodiment, and is realized by a server device, a cloud system, or the like. For example, the second payment management server 200 determines a provision means for providing a payment-related benefit to a user depending on whether identification information (hereinafter referred to as "second identification information") of a service provided by a payment service provider (hereinafter referred to as "second payment service provider") that manages the second payment management server 200 corresponds to identification information of a service provided by another payment service provider. For example, the second payment management server 200 determines a provision means for providing a payment-related benefit to a user depending on whether identification information (hereinafter referred to as "first identification information") of a service provided by a payment service provider (hereinafter referred to as "first payment service provider") that manages the first payment management server 100 corresponds to identification information. The second payment service provider may also issue credit cards and receive payment information via a credit card terminal at a store or the like, rather than via the server device of the first payment service provider. In this case, the face number of the credit card is stored as the same as or linked to the user ID of the second payment service provider. Therefore, whether the payment method is post-payment or credit card, if the same user uses the same payment method, the payment amount will be deducted in one lump sum from the user's bank account.

[0016] Note that if the payment methods provided are different, the first and second payment methods may be provided by the same business operator, i.e., the first payment management server 100 and the second payment management server 200 may be server devices managed by the same business operator.

[0017] [1-2. Payment using user terminals] Here, prior to the information processing executed by the first payment management server 100 and the second payment management server 200, an example of payment (electronic payment) using the user terminal 10 will be described. Note that the following description will be given of an example in which a user U makes a payment using the user terminal 10 using a two-dimensional code (QR code (registered trademark)) placed in store A, which indicates store identification information C that identifies store A, but the embodiment is not limited to this. The example of payment described below can also be applied when any user makes a payment at any store using any user terminal 10. Furthermore, the store identification information C may be not only a QR code (registered trademark), but also a barcode, a predetermined mark, a number, etc.

[0018] For example, when user U makes a payment for using or purchasing a payment object (transaction object) such as various products or services at store A, user U launches a payment app pre-installed on user terminal 10. Then, user U photographs store identification information C installed in store A via the payment app. In such a case, user terminal 10 displays a screen for inputting the price of the payment object and accepts input of the payment amount from user U or a store clerk at store A. Then, user terminal 10 transmits payment information indicating user identification information identifying user U, store identification information C (or information indicated by store identification information C, i.e., information indicating store A (e.g., store ID)), and the payment amount to first payment management server 100.

[0019] In such a case, the first payment management server 100 transfers electronic money in the amount indicated by the payment amount from the account of user U indicated by the user identification information to the account of store A indicated by store identification information C. Then, the first payment management server 100 sends a notification that the payment has been completed to the user terminal 10. In such a case, the user terminal 10 notifies the user that payment has been made using electronic money by displaying a screen or outputting a predetermined sound indicating that the payment has been completed.

[0020] It should be noted that payment using the user terminal 10 is not limited to the above-described process. For example, payment using the user terminal 10 may be made using a store terminal installed in store A. For example, the user terminal 10 displays user identification information on a screen to identify user U. In such a case, the store terminal installed in store A reads the user identification information displayed on the user terminal 10 and transmits payment information indicating the user identification information (or information indicated by the user identification information, i.e., information indicating user U (e.g., user ID)), the payment amount, and information identifying store A to the first payment management server 100. In such a case, the first payment management server 100 may transfer electronic money in the amount indicated by the payment amount from the account of user U indicated by the user identification information to the account of store A, and notify the store terminal of store A or the user terminal 10 that the payment has been completed by outputting a screen or a predetermined sound indicating that the payment has been completed.

[0021] Furthermore, the user terminal 10 may allow users to select a payment method. Examples of payment methods include balance payment, deferred payment, and credit card payment. Balance payment is a payment method in which, at the time of payment, electronic money is transferred from the balance of an account to which the user U has previously charged electronic money to the account of store A. Deferred payment is a service provided by a second payment service provider linked to a first payment service provider. At the time of payment, the first payment service provider transfers the payment amount to the account of store A, and also links the payment information to the second payment management server 200. The second payment service provider collects the payment by deducting the payment amount in a lump sum from the bank account of user U that has been registered in advance. That is, deferred payment is a service provided by the second payment service provider via the first payment service provider. When a payment is made using deferred payment, the second payment service provider receives the payment via the server device of the first payment service provider. The payment amount is then deducted in a lump sum from the bank account previously registered by the user based on the user ID of the second payment service provider linked to the user ID of the first payment service provider included in the payment information. Furthermore, with deferred payment, both the first and second payment providers hold payment information, so the first payment provider can also award benefits. In this case, the first payment provider can also award points collectively for credit card payments provided by the second payment provider, making it possible to unify the route of benefits that users can obtain. Credit card payments are a payment method in which the first payment provider transfers the payment amount as electronic money to store A's account at the time of payment and bills the operating company of user U's credit card for the payment amount.

[0022] Furthermore, when making a payment using the user terminal 10, the payment app withdraws electronic money equivalent to the payment amount from the user's account and manages it as the affiliated store's sales information (different from deposits into the affiliated store's account). At a predetermined timing, cash is deposited into the affiliated store's bank account based on the sales information, in an amount equal to the sales minus a management fee. Electronic money may be deposited from the user's account into the affiliated store's electronic money account managed by the affiliated store, or the fee may be obtained from the affiliated store's account managed by the affiliated store at the time of deposit or at a predetermined timing. Furthermore, if the source of the coupon provided to user U in connection with the payment app is borne by the affiliated store, the affiliated store will deduct the corresponding cash or electronic money when depositing cash into the bank account or depositing electronic money into the affiliated store's account.

[0023] 1-3. Overview of the embodiment While there are known techniques for determining the rewards to be given to users based on reward conditions corresponding to the payment method, such techniques are unable to appropriately determine the rewards to be given to users who make payments based on whether or not user information is linked across services provided by multiple payment providers.

[0024] Therefore, the first payment management server 100 and the second payment management server 200 execute information processing according to the embodiment. The information processing executed by the first payment management server 100 and the second payment management server 200 will be described below with reference to Fig. 1. In the following description, an example is shown in which the user terminal 101 is used by user U1 and the user terminal 102 is used by user U2.

[0025] In the following embodiment, user U1 is a user who has registered for deferred payment in a service provided by a first payment provider and can set either balance payment or deferred payment in the service provided by the first payment provider. User U1 has set up deferred payment in the service provided by the first payment provider. Furthermore, in the service provided by the first payment provider, deferred payment can be set by, for example, sliding from balance payment to deferred payment, or by sliding from deferred payment to balance payment. A user who has set up deferred payment is granted a benefit (e.g., benefits such as electronic points) that can be used for payments using that service. In this case, since both the first and second payment providers hold payment information for deferred payment and the first payment provider can also grant benefits, the first payment provider can also grant points for credit card payments provided by the second payment provider, which has the advantage of unifying the route for obtaining benefits for users. Therefore, benefits are granted by the first payment provider not only for payments via the service provided by the first payment provider, but also for payments via services not provided by the first payment provider. Therefore, if the second payment service provider also awards a bonus, it will result in double awarding of the bonus. For this reason, even if the payment is made by the second payment service provider, if the first payment service provider awards a bonus, it is necessary to control the bonus awarding process.

[0026] Furthermore, user U1 is a user who has linked his / her user information on the service provided by the first payment service provider with his / her user information on the service provided by the second payment service provider, and the first identification information and second identification information of user U1 are stored in association with each other. For example, the first identification information and second identification information of user U1 are stored in association with each other in both or either of the first payment management server 100 and the second payment management server 200. Furthermore, user U2 is a user who has not linked his / her user information on the service provided by the first payment service provider with his / her user information on the service provided by the second payment service provider, and the first identification information and second identification information of user U1 are stored separately. For example, the first identification information of user U2 is stored in the first payment management server 100, and the second identification information of user U2 is stored in the second payment management server 200.

[0027] User U1 is a user who has installed a predetermined application provided by the first payment service provider on his / her user terminal 101 in order to receive services provided by the first payment service provider, and first identification information of user U1 is displayed on the predetermined application. This first identification information is displayed, for example, when making a deferred payment and is used for the deferred payment (it may also be displayed when making a balance payment and is used for the balance payment). User U1 is a user who has a physical card issued to each user by the second payment service provider in order to receive services provided by the second payment service provider, and second identification information of user U1 is printed on user U1's card. This second identification information is used, for example, for card payments (credit card payments). User U2 is a user who has a physical card issued to each user by the second payment service provider in order to receive services provided by the second payment service provider, and second identification information of user U2 is printed on user U2's card. User U2 may or may not have installed a predetermined application provided by the first payment service provider in his / her user terminal 102 in order to receive services provided by the first payment service provider.

[0028] In addition, the route through which payment information is acquired may differ depending on whether the payment is deferred or card payment. For example, in the case of deferred payment, payment information is sent via a store terminal of a store that has an affiliated store relationship with the first payment service provider, but in the case of card payment, payment information is sent via a server device of the card service provider.

[0029] First, user U1 makes a deferred payment using the first identification information (step S101). When user U1 makes a deferred payment, the first payment management server 100 acquires payment information (e.g., user U1's first identification information, payment amount, payment date and time, store information where the payment was made, and information indicating that it is a deferred payment) via the store terminal where user U1 made the deferred payment (a store terminal of a store that has an affiliated store relationship with the first payment service provider) (step S102). Then, since the first payment management server 100 determines that the payment is a deferred payment based on the acquired payment information, it transmits the acquired payment information to the second payment management server 200 (step S103). Upon acquiring the payment information, the second payment management server 200 stores the acquired payment information (step S104). In this case, the second payment management server 200 may store, as the payment information to be stored in the second payment management server, second identification information converted based on a table in which first identification information corresponds to second identification information, or may store information indicating that the payment is coordinated from the first payment management server, linked to the payment information. For example, the second payment management server 200 may store tag information linked to the payment information, indicating whether the payment is coordinated from the first payment management server. The payment is not limited to the above-described store scan payment, but may also be user scan payment. In the case of user scan payment, the payment information is transmitted to the second payment management server 200 via an application installed on the user terminal 101 of user U1. For example, user U1 reads identification information displayed on a store terminal of a store affiliated with the affiliated store using the user terminal 101, and the payment information is transmitted via a predetermined application. In the case of deferred payment payment, the payment information is transmitted to the second payment management server 200 in both the case of store scan payment and the case of user scan payment. However, in the case of balance payment, the payment information does not need to be transmitted to the second payment management server 200. In this case, the payment information may be stored only in the first payment management server 100 and may not be linked to the second payment management server 200 (that is, it may not be stored in the second payment management server 200).

[0030] Next, user U1 makes a card payment using the second identification information (step S105). When user U1 makes a card payment, the second payment management server 200 acquires payment information (e.g., user U1's second identification information, the payment amount, the date and time of payment, store information where the payment was made, and information indicating that the payment was made by card) via the store terminal where user U1 made the card payment (step S106). At this time, the store (or store terminal) where user U1 made the card payment may be the same store (or store terminal) as the store (or store terminal) where user U1 made the deferred payment, or may be a different store (or store terminal), and is not particularly limited. Upon acquiring the payment information, the second payment management server 200 stores the acquired payment information (step S107). At this time, the second payment management server 200 may store information indicating that the payment was made by card, linked to the payment information. For example, the second payment management server 200 may store tag information indicating whether the payment was made by card, linked to the payment information.

[0031] The second payment management server 200 aggregates the payment information of user U1 based on the stored payment information, thereby performing processing to provide payment-related benefits to user U1. In this case, the second payment management server 200 may periodically (e.g., monthly) aggregate the payment information for each user. The second payment management server 200 determines whether user U1 is a user whose user information on the service provided by the first payment service provider is linked to user information on the service provided by the second payment service provider (step S108). In other words, the second payment management server 200 determines whether the first identification information and second identification information of user U1 are associated. Then, the second payment management server 200 determines a means of providing payment-related benefits to user U1 depending on whether user U1 is a user whose user information on the service provided by the first payment service provider is linked to user information on the service provided by the second payment service provider. Here, since user U1 is a user who has linked their user information on the service provided by the first payment service provider with their user information on the service provided by the second payment service provider, the second payment management server 200 decides to provide a benefit related to user U1's payment on the first payment service provider side and transmits information requesting the first payment management server 100 to provide a benefit related to user U1's payment (step S109). Specifically, the second payment management server 200 transmits to the first payment management server 100 the first identification information of user U1 and payment information for a predetermined period (information such as the payment amount, payment date and time, and payment affiliated store). At this time, if the first payment management server 100 can convert user U1's second identification information into the first identification information, the second payment management server 200 may transmit user U1's second identification information instead of the first identification information. At this time, the second payment management server 200 may only transmit payment information that is not related to payments linked from the first payment management server 100. For example, the second payment management server 200 may transmit only payment information for card payment using the second payment method, without including payment information for deferred payment using the first payment method.Then, when the first payment management server 100 receives information requesting the provision of a benefit related to user U1's payment, it provides the benefit related to user U1's payment (step S110). At this time, the first payment management server 100 may determine the benefit grant rate to be applied to user U1 after a predetermined period based on user U1's payment information acquired within a predetermined period. For example, the first payment management server 100 may determine the benefit grant rate to be applied next month based on the current month's payment information. The first payment management server 100 may also change the benefit grant rate to be applied based on the payment information provided by the first payment service provider and the payment information provided by the second payment service provider. If user U1 is not a user who has linked their user information on the service provided by the first payment service provider with their user information on the service provided by the second payment service provider, the second payment management server 200 determines to provide user U1 with a benefit related to user U1's payment at the second payment service provider side, and provides the benefit related to user U1's payment.

[0032] Furthermore, user U2 makes a card payment using the second identification information (step S201). When user U2 makes a card payment, the second payment management server 200 acquires payment information (e.g., user U2's second identification information, the payment amount, the date and time of payment, information about the store where the payment was made, and information indicating that the payment was made by card) via the store terminal where user U2 made the card payment and the card company's server device (step S202). Upon acquiring the payment information, the second payment management server 200 stores the acquired payment information (step S203). Based on the stored payment information, the second payment management server 200 aggregates user U2's payment information and performs processing to provide user U2 with a payment-related benefit. At this time, the second payment management server 200 may periodically (e.g., monthly) aggregate the payment information for each user. The second payment management server 200 determines whether user U2 is a user whose user information on the service provided by the first payment service provider and the user information on the service provided by the second payment service provider are linked (step S204). The second payment management server 200 then determines a means for providing a payment-related benefit to user U2 based on whether user U2 is a user who has linked their user information on the service provided by the first payment service provider with their user information on the service provided by the second payment service provider. Since user U2 is not a user who has linked their user information on the service provided by the first payment service provider with their user information on the service provided by the second payment service provider, the second payment management server 200 determines that the second payment service provider will provide a payment-related benefit to user U2, and provides the payment-related benefit to user U2 (step S205). At this time, the second payment management server 200 may determine a benefit grant rate to be applied to user U2 after a predetermined period based on user U2's payment information acquired within a predetermined period. For example, the second payment management server 200 may determine a benefit grant rate to be applied next month based on the current month's payment information.In addition, if user U2 is a user who has linked his / her user information on the service provided by the first payment provider with his / her user information on the service provided by the second payment provider, the second payment management server 200 decides to provide a benefit related to user U2's payment on the first payment provider's side, and sends information to the first payment management server 100 requesting that a benefit related to user U2's payment be provided.

[0033] [1-4. Variations of the processing in the embodiment] (Linking of user information using third identification information) In the above embodiment, if the first identification information and the second identification information of the target user are not associated, the second payment management server 200 may use identification information of a service provided by a third payment service provider different from the first and second payment service providers (hereinafter referred to as "third identification information") to link the user information on the service provided by the first payment service provider with the user information on the service provided by the second payment service provider. Specifically, the second payment management server 200 determines whether the first identification information and the third identification information of the target user are associated and whether the second identification information and the third identification information of the target user are associated, and if it determines that the first identification information and the third identification information of the target user are associated and that the second identification information and the third identification information of the target user are associated, the second payment management server 200 may use the third identification information to link the user information on the service provided by the first payment service provider with the user information on the service provided by the second payment service provider. The second payment management server 200 may use the third identification information to send information to the first payment management server 100 requesting that a benefit be provided in relation to the payment of the target user.

[0034] (Request for Reward Funds) In the above embodiment, the second payment management server 200 may transmit invoice information for the funds depending on the payer of the funds for the benefit. For example, if the payer of the funds for the benefit is preset on the first payment service provider side, the second payment management server 200 may transmit invoice information for the funds to the first payment management server 100. In this case, the first payment service provider side may grant the benefit, or the second payment service provider side may grant the benefit. Also, for example, if the payer of the funds for the benefit is preset on the second payment service provider side, the second payment management server 200 may not need to transmit invoice information for the funds to the first payment management server 100. In this case, the first payment service provider side may grant the benefit, or the second payment service provider side may grant the benefit.

[0035] (Determination of benefits based on the time of collaboration) In the above embodiment, if the target user links their user information on the service provided by the first payment provider with their user information on the service provided by the second payment provider during a specified period, the first payment management server 100 may determine the rate at which benefits will be awarded to the target user after the specified period based on all payment information of the target user obtained within the specified period, and may determine the benefits to be awarded to the target user based on the payment information obtained after the linking during the specified period.

[0036] (Management of payment information) In the above embodiment, an example has been described in which, when a first payment method based on first identification information is used, payment information is managed by the second payment management server 200 via the first payment management server 100, but this example is not particularly limited. That is, the first payment management server 100 and the second payment management server 200 may be any server device as long as the first payment management server 100 is a server device that provides the first payment method based on the first identification information and the second payment management server 200 is a server device that provides the second payment method based on the second identification information, and management of payment information, etc. may be performed in any manner.

[0037] [2. User terminal configuration] Next, the configuration of the user terminal 10 according to the embodiment will be described with reference to Fig. 3. Fig. 3 is a diagram showing an example of the configuration of the user terminal 10 according to the embodiment. As shown in Fig. 3, the user terminal 10 has a communication unit 11, an input unit 12, an output unit 13, and a control unit 14.

[0038] (Communications Department 11) The communication unit 11 is realized by, for example, a NIC (Network Interface Card) etc. The communication unit 11 is connected to a predetermined network N by wire or wirelessly, and transmits and receives information to and from the first payment management server 100 etc. via the predetermined network N.

[0039] (Input section 12) The input unit 12 accepts various operations from a user. In the example shown in FIG. 1, various operations are accepted from a user U1. For example, the input unit 12 may accept various operations from a user via a display screen using a touch panel function. The input unit 12 may also accept various operations from buttons provided on the user terminal 10 or a keyboard or mouse connected to the user terminal 10.

[0040] (Output section 13) The output unit 13 is a display screen of a tablet terminal or the like realized by, for example, a liquid crystal display or an organic EL (Electro-Luminescence) display, and is a display device for displaying various information. For example, the output unit 13 displays information obtained from the first payment management server 100, etc.

[0041] (Control unit 14) The control unit 14 is, for example, a controller, and is realized by a CPU (Central Processing Unit), an MPU (Micro Processing Unit), or the like executing various programs stored in a storage device within the user terminal 10 using a RAM (Random Access Memory) as a work area. For example, these various programs include application programs installed in the user terminal 10. For example, these various programs include an application program that accepts deferred payment using the first identification information. The control unit 14 is also realized by an integrated circuit, such as an ASIC (Application Specific Integrated Circuit) or an FPGA (Field Programmable Gate Array).

[0042] As shown in FIG. 3, the control unit 14 has a receiving unit 141 and a transmitting unit 142, and realizes or executes the information processing operations described below.

[0043] (Receiving unit 141) The receiving unit 141 receives various information from an external information processing device. The receiving unit 141 receives various information from other information processing devices such as the first payment management server 100. For example, when a deferred payment is made using the first identification information, the receiving unit 141 receives information indicating whether the deferred payment has been completed. Furthermore, for example, the receiving unit 141 receives information regarding a benefit to be granted to a user based on the user's payment information and information regarding the grant rate of the benefit applied to the user.

[0044] (Transmitter 142) The transmitting unit 142 transmits various information to an external information processing device. The transmitting unit 142 transmits various information to other information processing devices such as the first payment management server 100. For example, when user information on a service provided by a first payment service provider is linked with user information on a service provided by a second payment service provider, the transmitting unit 142 transmits the user information on the service provided by the first payment service provider (user information including first identification information) to the second payment management server 200, and transmits the user information on the service provided by the second payment service provider (user information including second identification information) to the first payment management server 100.

[0045] [3. Configuration of the first payment management server] Next, the configuration of the first payment management server 100 according to the embodiment will be described with reference to Fig. 4. Fig. 4 is a diagram showing an example of the configuration of the first payment management server 100 according to the embodiment. As shown in Fig. 4, the first payment management server 100 has a communication unit 110, a storage unit 120, and a control unit 130. The first payment management server 100 may also have an input unit (e.g., a keyboard, a mouse, etc.) that accepts various operations from an administrator of the first payment management server 100, and a display unit (e.g., a liquid crystal display, etc.) that displays various information.

[0046] (Communication unit 110) The communication unit 110 is realized by, for example, a NIC etc. The communication unit 110 is connected to the network N by wire or wirelessly, and transmits and receives information to and from the second payment management server 200 etc. via the network N.

[0047] (Storage unit 120) The storage unit 120 is realized by, for example, a semiconductor memory element such as a RAM (Random Access Memory) or a flash memory, or a storage device such as a hard disk or an optical disk. As shown in Fig. 4, the storage unit 120 has a user information storage unit 121, a payment information storage unit 122, and a benefit granting condition storage unit 123.

[0048] The user information storage unit 121 stores user information on the service provided by the first payment service provider. Here, an example of information stored in the user information storage unit 121 will be described with reference to FIG. 5. FIG. 5 is a diagram showing an example of the user information storage unit 121 according to the embodiment. In the example of FIG. 5, the user information storage unit 121 has items such as "user ID" and "user information."

[0049] "User ID" indicates identification information for identifying a user who uses a service provided by the first payment service provider. "User information" indicates user information of a user who uses a service provided by the first payment service provider. In the example shown in Figure 5, conceptual information such as "User information #1" and "User information #2" is stored in "User information," but in reality, information such as first identification information is stored. Furthermore, if the user has linked their user information on the service provided by the first payment service provider with their user information on the service provided by the second payment service provider, information such as second identification information is stored in association with the first identification information.

[0050] The payment information storage unit 122 stores payment information for the service provided by the first payment service provider. An example of information stored in the payment information storage unit 122 will now be described with reference to FIG. 6. FIG. 6 is a diagram showing an example of the payment information storage unit 122 according to the embodiment. In the example of FIG. 6, the payment information storage unit 122 has items such as "user ID" and "payment information."

[0051] "User ID" indicates identification information for identifying a user who uses a service provided by the first payment service provider. "Payment information" indicates payment information for the service provided by the first payment service provider. In the example shown in Figure 6, conceptual information such as "Payment information #1" and "Payment information #2" is stored in "Payment information," but in reality, information such as the payment amount, payment date and time, store information where the payment was made, and payment method is stored.

[0052] The reward-granting condition storage unit 123 stores the reward-granting conditions for the service provided by the first payment service provider. Here, an example of information stored in the reward-granting condition storage unit 123 will be described with reference to FIG. 7. FIG. 7 is a diagram showing an example of the reward-granting condition storage unit 123 according to the embodiment. In the example of FIG. 7, the reward-granting condition storage unit 123 has items such as "reward-granting condition ID" and "reward-granting condition."

[0053] The "Benefit Granting Condition ID" indicates identification information for identifying the benefit granting conditions for the service provided by the first payment service provider. The "Benefit Granting Condition" indicates the benefit granting conditions for the service provided by the first payment service provider. In the example shown in Figure 7, conceptual information such as "Benefit Granting Condition #1" and "Benefit Granting Condition #2" is stored in the "Benefit Granting Condition," but in reality, information such as a table that associates the number of payments, payment amount, and benefit grant rate is stored.

[0054] (control unit 130) The control unit 130 is a controller, and is realized, for example, by a CPU, an MPU, or the like, executing various programs stored in a storage device inside the first payment management server 100 using RAM as a work area. The control unit 130 is also realized, for example, by an integrated circuit such as an ASIC or an FPGA. As shown in FIG. 4, the control unit 130 according to the embodiment has an acquisition unit 131, a determination unit 132, a provision unit 133, a reward granting unit 134, and a payment control unit 135, and realizes or executes the functions and actions of information processing described below.

[0055] (Acquisition part 131) The acquisition unit 131 acquires various information from an external information processing device. The acquisition unit 131 acquires various information from other information processing devices such as the second payment management server 200.

[0056] The acquisition unit 131 acquires various pieces of information from the storage unit 120. The acquisition unit 131 acquires various pieces of information from the user information storage unit 121, the payment information storage unit 122, and the benefit granting condition storage unit 123.

[0057] The acquisition unit 131 stores the acquired various information in the storage unit 120. The acquisition unit 131 stores the various information in the user information storage unit 121, the payment information storage unit 122, and the benefit granting condition storage unit 123.

[0058] The acquisition unit 131 acquires payment information. For example, the acquisition unit 131 acquires payment information from a store terminal where the user made a payment using the first identification information. If the acquired payment information is based on a balance payment using the first identification information, the acquisition unit 131 performs the payment using the payment control unit 135 (described later). If the acquired payment information is based on a deferred payment using the first identification information, the acquisition unit 131 provides the acquired payment information to the second payment management server 200. The acquisition unit 131 also acquires payment information on the deferred payment made by the user using the first identification information and the card payment made using the second identification information from the second payment management server 200.

[0059] (Decision unit 132) The determination unit 132 determines the privilege to be granted to the user (for example, the content of the privilege, such as the grant rate of the privilege, provided when the user makes a payment using the first payment means or the second payment means) based on the acquired payment information. For example, the determination unit 132 determines the privilege to be granted to the user based on all payment information acquired as the user's payment information. For example, the determination unit 132 determines the privilege to be granted to the user based on payment information based on a balance payment using the first identification information, payment information based on a deferred payment payment using the first identification information, and payment information based on a card payment using the second identification information.

[0060] (Provider 133) The providing unit 133 provides information on the benefits to be granted to the user determined by the determining unit 132. For example, the providing unit 133 provides information on the benefits to be granted to the user in the next month and the grant rate of the benefits to be applied to the user from the next month.

[0061] (Benefit Granting Section 134) The privilege granting unit 134 executes a process for granting a privilege to the user based on the privilege information to be granted to the user determined by the determination unit 132.

[0062] (Payment control unit 135) The payment control unit 135 controls the payment by the user using the first payment means.

[0063] 4. Configuration of the second payment management server Next, the configuration of the second payment management server 200 according to the embodiment will be described with reference to Fig. 8. Fig. 8 is a diagram showing an example of the configuration of the second payment management server 200 according to the embodiment. As shown in Fig. 8, the second payment management server 200 has a communication unit 210, a storage unit 220, and a control unit 230. The second payment management server 200 may also have an input unit (e.g., a keyboard, a mouse, etc.) that accepts various operations from an administrator of the second payment management server 200, and a display unit (e.g., a liquid crystal display, etc.) that displays various information.

[0064] (Communication unit 210) The communication unit 210 is realized by, for example, a NIC etc. The communication unit 210 is connected to the network N by wire or wirelessly, and transmits and receives information to and from the first payment management server 100 etc. via the network N.

[0065] (Storage unit 220) The storage unit 220 is realized by, for example, a semiconductor memory element such as a RAM or a flash memory, or a storage device such as a hard disk or an optical disk. As shown in FIG. 8, the storage unit 220 has a user information storage unit 221 and a payment information storage unit 222.

[0066] The user information storage unit 221 stores user information on the service provided by the second payment service provider. Here, an example of information stored in the user information storage unit 221 will be described with reference to FIG. 9. FIG. 9 is a diagram showing an example of the user information storage unit 221 according to the embodiment. In the example of FIG. 9, the user information storage unit 221 has items such as "user ID" and "user information."

[0067] "User ID" indicates identification information for identifying a user who uses a service provided by the second payment service provider. "User information" indicates user information of a user who uses a service provided by the second payment service provider. In the example shown in Figure 9, conceptual information such as "User information #11" and "User information #12" is stored in "User information," but in reality, information such as second identification information is stored. Furthermore, if the user has linked their user information on the service provided by the first payment service provider with their user information on the service provided by the second payment service provider, information such as first identification information is stored in association with the second identification information.

[0068] The payment information storage unit 222 stores payment information for the service provided by the second payment service provider. Here, an example of information stored in the payment information storage unit 222 will be described using FIG. 10. FIG. 10 is a diagram showing an example of the payment information storage unit 222 according to the embodiment. In the example of FIG. 10, the payment information storage unit 222 has items such as "user ID" and "payment information."

[0069] "User ID" indicates identification information for identifying a user who uses the service provided by the second payment service provider. "Payment information" indicates payment information for the service provided by the second payment service provider. In the example shown in Figure 10, conceptual information such as "Payment information #11" and "Payment information #12" is stored in "Payment information," but in reality, information such as the payment amount, payment date and time, store information where the payment was made, and payment method is stored.

[0070] (control unit 230) The control unit 230 is a controller, and is realized, for example, by a CPU, an MPU, or the like, executing various programs stored in a storage device inside the second payment management server 200 using RAM as a work area. The control unit 230 is also realized, for example, by an integrated circuit such as an ASIC or an FPGA. As shown in Fig. 8, the control unit 230 according to the embodiment has an acquisition unit 231, a determination unit 232, a decision unit 233, a provision unit 234, and a payment control unit 235, and realizes or executes the functions and actions of information processing described below.

[0071] (Acquisition part 231) The acquisition unit 231 acquires various information from an external information processing device. The acquisition unit 231 acquires various information from other information processing devices such as the first payment management server 100.

[0072] The acquisition unit 231 acquires various pieces of information from the storage unit 220. The acquisition unit 231 acquires various pieces of information from the user information storage unit 221 and the payment information storage unit 222.

[0073] The acquisition unit 231 stores the acquired various information in the storage unit 220. The acquisition unit 231 stores the various information in the user information storage unit 221 and the payment information storage unit 222.

[0074] The acquisition unit 231 acquires payment information. For example, the acquisition unit 231 acquires payment information from a store terminal where the user has made a card payment using the second identification information. Also, for example, the acquisition unit 231 acquires payment information via the first payment management server 100 from a store terminal where the user has made a deferred payment using the first identification information.

[0075] (Judgment unit 232) The determination unit 232 determines whether or not the user information on the service provided by the first payment service provider and the user information on the service provided by the second payment service provider are linked. That is, the determination unit 232 determines whether or not the first identification information and the second identification information are associated with each other.

[0076] (Decision unit 233) The determination unit 233 determines a means for providing a payment-related benefit to the user, depending on the determination result by the determination unit 232. For example, if the determination unit 232 determines that cooperation has been established, the determination unit 233 determines to send information requesting the provision of a benefit to the first payment management server 100, and if the determination unit 232 determines that cooperation has not been established, the determination unit 233 determines to provide a benefit.

[0077] (Providing Department 234) The providing unit 234 transmits information requesting the provision of a benefit to the first payment management server 100 in accordance with the provision means determined by the determining unit 233. At this time, the providing unit 234 transmits to the first payment management server 100 payment information of the target user, such as payment information of the user based on card payment using the second identification information or payment information of the user based on deferred payment using the first identification information.

[0078] (Payment control unit 235) The payment control unit 235 controls the payment by the user using the second payment means.

[0079] [5. Information Processing Flow] The procedure of information processing by the first payment management server 100 according to the embodiment will be described with reference to Fig. 11. Fig. 11 is a flowchart showing an example of the procedure of information processing according to the embodiment.

[0080] As shown in FIG. 11, the first payment management server 100 acquires the history of payments made by a predetermined user using the second payment means (step S301).

[0081] The first payment management server 100 determines the content of the benefit to be provided when a predetermined user makes a payment using the first payment means or the second payment means (step S302).

[0082] The procedure of information processing by the second payment management server 200 according to the embodiment will be described with reference to Fig. 12. Fig. 12 is a flowchart showing an example of the procedure of information processing according to the embodiment.

[0083] As shown in FIG. 12, the second payment management server 200 determines whether the first identification information and second identification information of a predetermined user are associated with each other (step S401).

[0084] When the second payment management server 200 determines that the first identification information and the second identification information of the predetermined user are associated (step S401; YES), it decides to provide the payment information of the predetermined user in order to grant a benefit to the predetermined user (step S402).On the other hand, when the second payment management server 200 determines that the first identification information and the second identification information are not associated (step S401; NO), it decides to provide a benefit based on the payment information of the predetermined user in order to grant a benefit to the predetermined user (step S403).

[0085] [6. Effects] As described above, the first payment management server 100 according to the embodiment includes a payment control unit 135, an acquisition unit 131, and a determination unit 132. The payment control unit 135 controls payments by a predetermined user using a first payment means. The acquisition unit 131 acquires a history of payments made by the predetermined user using a second payment means different from the first payment means. The determination unit 132 determines the content of a benefit to be provided when the predetermined user makes a payment using the first payment means or the second payment means, based on the payment history.

[0086] As a result, the first payment management server 100 according to the embodiment can appropriately determine the content of the benefits to be given to a user who has made a payment depending on whether or not user information is linked across services provided by multiple payment service providers.

[0087] Furthermore, the determination unit 132 determines the content of the benefit based on the history of payments made using the first payment means and the history of payments made using the second payment means.

[0088] As a result, the first payment management server 100 according to the embodiment can appropriately determine the content of the benefit even when payment is made using a plurality of payment methods.

[0089] Moreover, the first payment management server 100 according to the embodiment further includes a providing unit 133 that provides the benefit determined by the determining unit 132 via a payment service that provides the first payment means.

[0090] As a result, the first payment management server 100 according to the embodiment can provide a benefit via the payment service that provides the first payment means, even in the case of payment based on the second payment means.

[0091] The second payment method is a payment method provided by a service provider different from the service provider that provides the first payment method.

[0092] As a result, the first payment management server 100 according to the embodiment can appropriately determine the content of the benefit even when the service providers of the payment methods are different.

[0093] The first payment method is a payment method using first identification information displayed on a predetermined application or identification information displayed on a store terminal of a store that has a relationship with the affiliated store, and the second payment method is a payment method using second identification information of a predetermined user that is issued for each user.

[0094] As a result, the first payment management server 100 according to the embodiment can appropriately determine the content of the benefit even when payment is made using a plurality of payment methods.

[0095] Furthermore, when the first identification information and the second identification information are associated with each other, the determination unit 132 determines the content of the benefit based on the payment history.

[0096] As a result, the first payment management server 100 according to the embodiment can appropriately determine the content of the benefit so as to prevent duplicated provision of the benefit even when the payment business operators are different.

[0097] In addition, when a specific user makes a payment using the first payment method, the determination unit 132 determines the content of the benefit based on the payment history obtained from the store terminal of a store that has an affiliated store relationship or the user's terminal.

[0098] As a result, the first payment management server 100 according to the embodiment can appropriately determine the contents of the benefit even when the network of the payment means is via an affiliated store.

[0099] In addition, when a specific user makes a payment using the second payment method, the determination unit 132 determines the content of the benefit based on the payment history obtained from the server device of the business operator that provided the second identification information.

[0100] As a result, the first payment management server 100 according to the embodiment can appropriately determine the content of the benefit even when the network of the payment method is via a card company.

[0101] Furthermore, the determination unit 132 determines the rate at which a benefit is awarded to a predetermined user based on the payment information using the first payment method and the payment information using the second identification information.

[0102] This allows the first payment management server 100 according to the embodiment to appropriately determine the rate at which the benefit is awarded.

[0103] Furthermore, when the first identification information and the third identification information are associated with each other and the second identification information and the third identification information are associated with each other, the determination unit 132 determines the content of the benefit using the third identification information.

[0104] As a result, the first payment management server 100 of the embodiment can appropriately determine the content of the benefits even if the user is not a linked user by bridging user information using other identification information.

[0105] Furthermore, when it is determined that the first identification information and the second identification information are not associated with each other, the determination unit 132 determines the content of the benefit based on the history of payments made using the first payment means.

[0106] As a result, the first payment management server 100 according to the embodiment can appropriately determine the content of the benefit so as to prevent the benefit from being given twice even if the user is not a linked user.

[0107] The acquisition unit 131 also acquires billing information for the funds according to the payee of the funds for the privilege.

[0108] This allows the first payment management server 100 according to the embodiment to appropriately allocate the funds for the benefit.

[0109] [7. Hardware Configuration] The first payment management server 100 according to each of the above-described embodiments is realized, for example, by a computer 1000 configured as shown in Fig. 13. The following description will be given taking the first payment management server 100 as an example. Fig. 13 is a hardware configuration diagram showing an example of a computer that realizes the functions of the first payment management server 100. The computer 1000 has a CPU 1100, a ROM 1200, a RAM 1300, an HDD 1400, a communication interface (I / F) 1500, an input / output interface (I / F) 1600, and a media interface (I / F) 1700.

[0110] The CPU 1100 operates and controls each unit based on programs stored in the ROM 1200 or the HDD 1400. The ROM 1200 stores a boot program executed by the CPU 1100 when the computer 1000 starts up, programs that depend on the hardware of the computer 1000, and the like.

[0111] The HDD 1400 stores programs executed by the CPU 1100, data used by such programs, etc. The communication interface 1500 receives data from other devices via a communication network 500 (corresponding to the network N in the embodiment) and sends the data to the CPU 1100, and also transmits data generated by the CPU 1100 to other devices via the communication network 500.

[0112] The CPU 1100 controls output devices such as a display and a printer, and input devices such as a keyboard and a mouse, via the input / output interface 1600. The CPU 1100 acquires data from the input devices via the input / output interface 1600. The CPU 1100 also outputs generated data to the output devices via the input / output interface 1600.

[0113] Media interface 1700 reads a program or data stored in recording medium 1800 and provides it to CPU 1100 via RAM 1300. CPU 1100 loads the program or data from recording medium 1800 onto RAM 1300 via media interface 1700 and executes the loaded program. Recording medium 1800 is, for example, an optical recording medium such as a DVD (Digital Versatile Disc) or a PD (Phase Change Rewritable Disc), a magneto-optical recording medium such as an MO (Magneto-Optical disk), a tape medium, a magnetic recording medium, or a semiconductor memory.

[0114] For example, when the computer 1000 functions as the first payment management server 100, the CPU 1100 of the computer 1000 executes a program loaded onto the RAM 1300, thereby realizing the functions of the control unit 130. The HDD 1400 also stores various data in the storage device of the first payment management server 100. The CPU 1100 of the computer 1000 reads and executes these programs from the recording medium 1800, but as another example, the CPU 1100 may obtain these programs from another device via a predetermined communication network.

[0115] [8. Other] Although some of the embodiments of the present application have been described in detail above with reference to the drawings, these are merely examples, and the present invention can be implemented in other forms that include the embodiments described in the Disclosure of the Invention section and that have undergone various modifications and improvements based on the knowledge of those skilled in the art.

[0116] Furthermore, the configuration of the above-described first payment management server 100 can be flexibly changed, for example, by calling an external platform or the like using an API (Application Programming Interface) or network computing, depending on the function.

[0117] Furthermore, the term "unit" in the claims can be read as "means" or "circuit," etc. For example, an acquisition unit can be read as an acquisition means or an acquisition circuit. [Explanation of symbols]

[0118] 10 User terminal 11 Communications Department 12 Input section 13 Output section 14 Control Unit 100 First payment management server 110 Communications Department 120 Storage section 121 User information storage unit 122 Payment information storage unit 123 Benefit granting condition memory unit 130 Control Unit 131 Acquisition Department 132 Decision Section 133 Provision Department 134 Benefits Granting Department 135 Payment control section 141 Receiving unit 142 Transmitter 200 Second payment management server 210 Communications Department 220 Storage section 221 User information storage unit 222 Payment information storage unit 230 Control Unit 231 Acquisition Department 232 Judgment section 233 Decision Section 234 Provision Department 235 Payment Control Unit

Claims

1. a payment control unit that controls payments by a predetermined user using a first payment means; an acquisition unit that acquires a history of payments made by the specified user using the second payment means in accordance with a determination result of whether or not user information on the service provided by the first payment service provider and user information on the service provided by the second payment service provider are linked, the determination result being made by a second payment management device that provides a second payment means provided by a payment service provider different from the payment service provider that provides the first payment means; a determination unit that determines the content of a benefit to be provided when the predetermined user makes a payment using the first payment means and the second payment means, based on the payment history of the first payment means and the second payment means acquired by the acquisition unit; and A first payment management device comprising:

2. a payment control unit that controls payments by a predetermined user using a first payment means; an acquisition unit that acquires, from a second payment management device that provides a second payment means provided by a payment service provider different from the payment service provider that provides the first payment means, a history of payments made by the specified user using the second payment means, in accordance with a determination result by the second payment management device that provides the second payment means as to whether or not user information on the service provided by the first payment service provider has been linked with user information on the service provided by the second payment service provider; a determination unit that determines the content of a benefit to be provided when the predetermined user makes a payment using the first payment means and the second payment means, based on the payment history of the first payment means and the second payment means acquired by the acquisition unit; and A first payment management device comprising:

3. a payment control unit that controls payments by a predetermined user using a first payment means; an acquisition unit that acquires a history of payments made by the specified user using the second payment means in accordance with a determination result of whether or not user information on the service provided by the first payment service provider and user information on the service provided by the second payment service provider are linked, the determination result being made by a second payment management device that provides a second payment means provided by a payment service provider different from the payment service provider that provides the first payment means; a determination unit that determines the content of a benefit that can be used with the first payment means, which will be provided when the predetermined user makes a payment using the first payment means and the second payment means, based on the payment history of the first payment means and the second payment means acquired by the acquisition unit; and A first payment management device comprising:

4. The determination unit The content of the benefit is determined based on the history of payments made using the first payment means and the history of payments made using the second payment means.

4. The first settlement management device according to claim 1, wherein:

5. a providing unit that provides the benefit determined by the determining unit via a payment service that provides the first payment means; 4. The first payment management device according to claim 1, further comprising:

6. the first payment means is a payment means using first identification information displayed in a predetermined application or identification information displayed on a store terminal of a store that has a relationship with the affiliated store, The second payment means is a payment means using second identification information of the predetermined user issued for each user.

4. The first settlement management device according to claim 1, wherein:

7. The determination unit When the first identification information and the second identification information are associated with each other, the content of the benefit is determined based on the payment history.

7. The first settlement management device according to claim 6, wherein:

8. The determination unit When the predetermined user makes a payment using the first payment means, the content of the benefit is determined based on the payment history obtained from a store terminal of a store that has a relationship with the affiliated store or from the user's terminal.

8. The first settlement management device according to claim 7, wherein:

9. The determination unit When the predetermined user makes a payment using the second payment means, the content of the benefit is determined based on the payment history obtained from a server device of the business that provided the second identification information.

8. The first settlement management device according to claim 7, wherein:

10. The determination unit A bonus grant rate to be applied to the predetermined user is determined based on payment information using the first payment means and payment information using the second identification information.

8. The first settlement management device according to claim 7, wherein:

11. A first payment management method executed by a computer, comprising: a payment control step of controlling a payment by a predetermined user using a first payment means; an acquisition step of acquiring a history of payments made by the specified user using the second payment means according to a determination result of whether or not user information on the service provided by the first payment service provider and user information on the service provided by the second payment service provider are linked by a second payment management device that provides a second payment means provided by a payment service provider different from the payment service provider that provides the first payment means; a determination step of determining the content of a benefit to be provided when the predetermined user makes a payment using the first payment means and the second payment means based on the payment history of the first payment means and the second payment means acquired in the acquisition step; A first payment management method comprising:

12. a payment control procedure for controlling a payment by a predetermined user using a first payment means; an acquisition procedure for acquiring a history of payments made by the specified user using the second payment means, according to a determination result by a second payment management device that provides a second payment means provided by a payment service provider different from the payment service provider that provides the first payment means, as to whether or not user information on the service provided by the first payment provider and user information on the service provided by the second payment provider have been linked; a determination step for determining the content of a benefit to be provided when the predetermined user makes a payment using the first payment means and the second payment means, based on the payment history of the first payment means and the second payment means acquired in the acquisition step; A first payment management program that causes a computer to execute the above.

13. A first payment management method executed by a computer, comprising: a payment control step of controlling a payment by a predetermined user using a first payment means; an acquisition step of acquiring a history of payments made by the specified user using the second payment means from a second payment management device that provides the second payment means, the second payment means being provided by a payment service provider different from the payment service provider that provides the first payment means, in accordance with a determination result by the second payment management device as to whether or not user information on the service provided by the first payment provider has been linked with user information on the service provided by the second payment provider; a determination step of determining the content of a benefit to be provided when the predetermined user makes a payment using the first payment means and the second payment means based on the payment history of the first payment means and the second payment means acquired in the acquisition step; A first payment management method comprising:

14. a payment control procedure for controlling a payment by a predetermined user using a first payment means; an acquisition step of acquiring a history of payments made by the specified user using the second payment means from a second payment management device that provides the second payment means, the second payment means being provided by a payment service provider different from the payment service provider that provides the first payment means, in accordance with a determination result by the second payment management device as to whether or not user information on the service provided by the first payment provider has been linked with user information on the service provided by the second payment provider; a determination step for determining the content of a benefit to be provided when the predetermined user makes a payment using the first payment means and the second payment means, based on the payment history of the first payment means and the second payment means acquired in the acquisition step; A first payment management program that causes a computer to execute the above.

15. A first payment management method executed by a computer, comprising: a payment control step of controlling a payment by a predetermined user using a first payment means; an acquisition step of acquiring a history of payments made by the specified user using the second payment means according to a determination result of whether or not user information on the service provided by the first payment service provider and user information on the service provided by the second payment service provider are linked by a second payment management device that provides a second payment means provided by a payment service provider different from the payment service provider that provides the first payment means; a determination step of determining the content of a benefit available to the first payment means, which will be provided when the predetermined user makes a payment using the first payment means and the second payment means, based on the payment history of the first payment means and the second payment means acquired in the acquisition step; A first payment management method comprising:

16. a payment control procedure for controlling a payment by a predetermined user using a first payment means; an acquisition procedure for acquiring a history of payments made by the specified user using the second payment means, according to a determination result by a second payment management device that provides a second payment means provided by a payment service provider different from the payment service provider that provides the first payment means, as to whether or not user information on the service provided by the first payment provider and user information on the service provided by the second payment provider have been linked; a determination step for determining the content of a benefit available to the first payment means, which will be provided when the predetermined user makes a payment using the first payment means and the second payment means, based on the payment history of the first payment means and the second payment means acquired by the acquisition step; and A first payment management program that causes a computer to execute the above.

Images