Information processing device, information processing method, and program

Abstract

To improve convenience for member stores in creating coupons. [Solution] An information processing device comprising: an acquisition unit that acquires instructions from an affiliated store terminal device to create coupons that the affiliated store provides to users and that can be used for electronic payments at the affiliated store's electronic payment service; and a processing unit that, based on the instructions, displays a list of purposes for creating the coupons on a display unit of the affiliated store terminal device and suggests coupon content according to the purpose selected by the affiliated store.

Description

[Technical Field]

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

[0002] Conventionally, an information processing device that provides coupons to users has been disclosed (see, for example, Patent Document 1). This information processing device receives distribution timing such as date and time or day of the week, and distributes the coupon at the received distribution timing. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Japanese Patent Application Publication No. 2024-052520 Summary of the Invention [Problem to be solved by the invention]

[0004] Conventional technology does not sufficiently consider the convenience of affiliated stores that create coupons.

[0005] The present invention has been made in consideration of these circumstances, and one of its objects is to provide an information processing device, an information processing method, and a program that can improve the convenience of affiliated stores in creating coupons. [Means for solving the problem]

[0006] One aspect of the present invention is an information processing device that includes an acquisition unit that acquires instructions from an affiliated store terminal device to create coupons that the affiliated store provides to users and that can be used for electronic payments at the affiliated store's electronic payment service, and a processing unit that, based on the instructions, displays a list of purposes for creating the coupons on a display unit of the affiliated store terminal device and suggests coupon content according to the purpose selected by the affiliated store. [Effects of the Invention]

[0007] According to one aspect of the present invention, it is possible to provide an information processing device, an information processing method, and a program that can improve convenience for affiliated stores that create coupons. [Brief explanation of the drawings]

[0008] [Figure 1] FIG. 1 is a diagram illustrating an example of a configuration for realizing an electronic payment service. [Figure 2] This is a sequence diagram (part 1) illustrating the general flow of electronic payment. [Figure 3] This is a sequence diagram (part 2) illustrating the general flow of electronic payment. [Figure 4] FIG. 2 is a configuration diagram of a payment server 100. [Figure 5] FIG. 10 is a diagram showing an example of the contents of user information 172. [Figure 6] FIG. 10 is a diagram showing an example of the contents of affiliated store / store information 176. [Figure 7] FIG. 2 is a diagram showing an example of an interface screen IF1. [Figure 8] FIG. 10 is a diagram showing an example of an interface screen IF2. [Figure 9] FIG. 10 is a diagram showing an interface screen IF3. [Figure 10] FIG. 10 is a diagram showing an interface screen IF4. [Figure 11] FIG. 10 is a diagram showing an interface screen IF5. [Figure 12] FIG. 10 is a diagram showing an example of the contents of template information 178. [Figure 13] FIG. 10 is a diagram showing an example of the contents of affiliated store history information 180. [Figure 14] 10 is a flowchart showing an example of the flow of processing executed by the payment server 100. [Figure 15] FIG. 10 is a diagram for explaining the estimated cost per customer acquisition and the maximum number of users. [Figure 16] FIG. 10 is a diagram illustrating advice. [Figure 17] FIG. 10 illustrates a proposal interface screen. DETAILED DESCRIPTION OF THE INVENTION

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

[0010] [Electronic payment service] FIG. 1 shows an example of the configuration of an electronic payment system in which an electronic payment service is realized. The electronic payment service is realized mainly by a payment server 100. An electronic payment system that realizes the electronic payment service includes, for example, one or more user terminal devices 10, one or more first store terminal devices 50, one or more second store terminal devices 70, and the payment server 100. These devices communicate via, for example, a network NW. The network NW includes, for example, the Internet, a LAN (Local Area Network), a wireless base station, a provider device, etc.

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

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

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

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

[0015] [Payment server] The payment server 100 realizes electronic payment based on payment information received from the user terminal device 10 or the first store terminal device 50. The first store terminal device 50 may include a POS device and an affiliated store server, in which case payment information is sent from the POS device via the affiliated store server to the payment server 100. In the following explanation, this distinction will not be made and it is assumed that payment information is sent from the first store terminal device 50.

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

[0017] In the case of pattern 1 (hereinafter referred to as user scan) shown in FIG. 2, the user terminal device 10 decodes the store code image 60 using its optical reading function (S1). The store code image 60 includes store URL (Uniform Resource Locator) information. This store URL is the domain of the electronic payment service to which store identification information has been added, and is associated with an affiliated store ID, store ID, etc. in the payment server 100 (described below). The payment application 20 sends first payment information including the store URL and account ID to the payment server 100 (S2). The payment server 100 searches for store information (described below) using the affiliated store ID and store ID corresponding to the store URL, acquires the affiliated store name and store name information (S3), and sends this to the payment application 20 (S4). The user enters the payment amount into the user terminal device 10 on the screen displaying the affiliated store name and store name (S5). The user terminal device 10 then generates second payment information including at least the payment amount and transmits it to the payment server 100 (S6). The payment server 100 performs electronic payment based on the received second payment information (S7). The payment server 100 then transmits a payment completion notice (information for displaying a payment completion screen) to the payment app 20 (S8), and the payment app 20 displays the payment completion screen (S9). Note that when the store code image 60 is displayed on a display installed in the store or on the display unit of the first store terminal device 50, the store code image 60 may include information on the payment amount in addition to the store URL. In this case, the step of the user inputting the payment amount is omitted, and the payment amount information is included in the first payment information and transmitted to the payment server 100. Information on the affiliated store name and store name may be included and displayed on the payment completion screen.

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

[0019] Note that electronic payment may be performed using only one of the above patterns. Furthermore, the "account ID" described in FIG. 2 may be other information (e.g., a phone number) that can be used as user identification information. Furthermore, issuing a one-time code may be omitted in store scanning, and the payment application 20 may display a code image generated based on the user's account ID. In this case, the payment server 100 identifies the user corresponding to the account ID instead of identifying the user corresponding to the one-time code.

[0020] [Payment server functional configuration] 4 is a configuration diagram of the payment server 100. The payment server 100 includes, for example, a communication unit 110, a content providing unit 120, a payment processing unit 130, an information management unit 140, a coupon generation unit 150, and a storage unit 170. The components other than the communication unit 110 and the storage unit 170 are realized by, for example, a hardware processor such as a CPU executing a program (software). Some or all of these components may be realized by hardware (including circuitry) such as an LSI (Large Scale Integration), an ASIC (Application Specific Integrated Circuit), an FPGA (Field-Programmable Gate Array), a GPU (Graphics Processing Unit), or an SOC (System On Chip), or may be realized by a combination of software and hardware. The program may be stored in advance in a storage device (a storage device with a non-transitory storage medium) such as an HDD (Hard Disk Drive) or flash memory, or may be stored in a removable storage medium (a non-transitory storage medium) such as a DVD or CD-ROM, and installed in the storage device by inserting the storage medium into a drive device. The information management unit 140 is an example of an "acquisition unit." The coupon generation unit 150 is an example of a "processing unit."

[0021] The storage unit 170 is a HDD, flash memory, RAM (Random Access Memory), etc. The storage unit 170 may be a NAS (Network Attached Storage) device that the payment server 100 can access via a network. The storage unit 170 stores information such as user information 172, content information 174, affiliated store / shop information 176, template information 178 (described in detail below), and affiliated store history information 180 (described in detail below). Some of this information may be stored in the storage unit of the user terminal device 10.

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

[0023] The content providing unit 120 has, for example, a web server function, and provides information (content) for displaying various screens of the electronic payment service to the user terminal device 10. The content providing unit 120 reads out necessary content from the content information 174 as appropriate and provides it to the user terminal device 10. The user terminal device 10 accepts various inputs from the user while content is being played by the payment application 20, and transmits the above-mentioned payment information and the like to the payment server 100. The above content may be generated by the payment application 20. In this case, the content providing unit 120 provides the payment application 20 with information necessary for generating the content.

[0024] The payment processing unit 130 performs payment processing based on the payment information transmitted by the user terminal device 10 or the first store terminal device 50. The payment processing unit 130 performs payment processing while referring to the user information 172.

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

[0026] The charge balance indicates the balance of electronic money set by the user by transferring funds to the account in advance. Transfer methods include transfers from a designated bank's ATM (Automatic Teller Machine) or from a registered bank account. The credit payment setting indicates whether the settings for electronic credit payment have been completed and is set to either "Completed" or "Not Completed." The credit payment limit is the monthly credit payment limit. The credit payment amount is the amount of credit payment already used in the current month. The available credit payment amount is the amount of credit payment available in the current month, calculated by subtracting the credit payment amount from the credit payment limit. While the figure shows only one credit payment limit, in reality, there may also be daily limits, and the lower of these may be set as the credit payment limit. Further details on credit payments will be discussed later. The payment method setting indicates whether the user will currently make electronic payments using the charge balance or by credit payment. The bank account and credit card number are information on the bank account or credit card number (account number, card number) that can be used to deposit funds into the electronic payment service. The charge history information is a history of the user's previous transfers to the electronic payment service to increase the charge balance. The payment history information is information that shows the breakdown of payments made by the user for each payment (date and time, store ID of the store where the purchase was made, payment amount, payment method, etc.).

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

[0028] [Electronic Payment] When payment information is acquired from the user terminal device 10 or the first store terminal device 50, the payment processing unit 130 references the user information 172 to acquire the "payment method setting" of the user. For users whose "payment method setting" is set to "charge balance," the payment processing unit 130 performs electronic payment as follows: For example, the payment processing unit 130 performs electronic payment by decreasing the charge balance managed in association with the user ID and increasing the item value of the affiliated store's sales proceeds. The item value of the affiliated store's sales proceeds is not itself used as electronic money, for example, but rather the amount corresponding to the item value of the sales proceeds is transferred to a bank account in a cycle according to an agreement between the affiliated store and the electronic payment service.

[0029] The payment processing unit 130 performs electronic payments for users whose "setting information" is set to "credit card payment" as follows. Credit card payment is a payment method in cooperation with a credit card company, which is a separate entity from the operator of the electronic payment service. The operator of the electronic payment service acts as the creditor, allowing electronic payments within the credit card payment limit and independent of the remaining balance. To receive the credit card payment service, a user may be required to obtain a credit card provided by the operator of the electronic payment service. The amount used for credit card payment is settled in full on the following month's payment date, for example, by debit from a bank account. In this case, the payment processing unit 130 makes a provisional payment by adding the payment amount to the credit card payment amount and subtracting the same amount from the available credit card balance. On the closing date, the payment processing unit 130 performs the process described above to debit the current month's payment on the following month's payment date, or requests the credit card company operator to perform this process. If the payment amount exceeds the available credit card balance at the time of provisional payment, an error notification is returned to the payment app 20.

[0030] The information management unit 140 acquires information provided by other server devices and terminal devices. The information management unit 140 manages user information 172 and affiliated store / store information 176 based on information acquired from the user terminal device 10 and the second store terminal device 70. The information management unit 140 adds new records to, edits, deletes, etc., the user information 172 and affiliated store / store information 176.

[0031] The coupon generation unit 150 executes various processes related to the creation of coupons in cooperation with the member store interface 72. For example, the coupon generation unit 150 displays a list of purposes for creating coupons on the display unit of the member store interface 72, and suggests coupon content according to the purpose selected by the member store via the member store interface 72. The coupons are electronic coupons that can be used in electronic payment services.

[0032] [overview] Affiliated stores can create coupons by operating the affiliated store interface 72. The affiliated store interface 72 works in conjunction with the payment server 100 to display an interface screen IF1 on the affiliated store interface 72. FIG. 7 is a diagram showing an example of the interface screen IF1. The interface screen IF1 is a screen for setting the content of a coupon when an affiliated store creates it. The content of the coupon includes, for example, the target users of the coupon, constraints, benefits, budget limits, and usage period.

[0033] Users eligible for the coupon include, for example, first-time users, followers (users who have performed a specified operation to add an affiliated store to their favorites), users who have used the store before, and users who have not used the store for a specified period of time.

[0034] The constraints are, for example, constraints under which a coupon can be applied, such as a minimum payment amount, a minimum number of payments at a member store, the total number of benefits a user can receive by using a coupon, or a maximum number of coupon uses.

[0035] The benefit is, for example, the content of the benefit given in accordance with the payment. For example, the reward content may be a reward of XX% of the payment amount or 2 points for every 100 yen.

[0036] The budget limit is, for example, the upper limit of the affiliated store's budget for the coupon, or the upper limit of the budget for the benefit given to the user when the coupon is used.

[0037] The usage period is, for example, the period during which the coupon can be used.

[0038] Affiliated stores create coupons by setting each content on interface screen IF1. When creating a coupon, affiliated stores may struggle with deciding what content to set for each content. This embodiment helps affiliated stores set each content according to their purpose, thereby improving convenience for affiliated stores creating coupons.

[0039] The payment server 100, for example, receives an instruction from the merchant interface 72 to create a coupon that can be used for electronic payments at the merchant of the electronic payment service and that the merchant provides to the user. Based on the instruction, the payment server 100 displays a list of purposes for which the coupons are created on the display unit of the merchant interface 72. The payment server 100 proposes coupon content according to the purpose selected by the merchant.

[0040] The content of the coupon includes one or more of the following items: the target user of the coupon, the constraints on the use of the coupon, the benefits of the coupon, the budget for the coupon, and the period during which the coupon can be used.

[0041] The objectives include increasing the number of new users, increasing the number of times the service is used, and increasing the average payment amount, but other objectives may also be included.

[0042] By operating the merchant interface 72, the merchant can set the content themselves, or display the interface screen IF2, select a purpose, and receive suggestions. The merchant can also modify the suggested content.

[0043] 8 is a diagram showing an example of the interface screen IF2. The interface screen IF2 is, for example, a screen for selecting the above-mentioned purpose. When the affiliated store selects the desired purpose, an interface screen in which content corresponding to the purpose is set is displayed on the display unit of the affiliated store interface 72.

[0044] The interface screens that are displayed when each purpose is selected will be described below.

[0045] [Increasing the number of new users] 9 is a diagram showing the interface screen IF3. If the purpose is to increase the number of new users, for example, the coupon content is set so that it is easy for new users to use.

[0046] [Increasing the number of times of use] 10 is a diagram showing the interface screen IF4. If the purpose is to increase the number of times of use, for example, the content of the coupon is set so as to increase the number of times of use.

[0047] [Increasing the average payment price] 11 is a diagram showing the interface screen IF5. When the objective is to increase the average unit price, for example, the content of the coupon is set so as to increase the average unit price.

[0048] The payment server 100 refers to template information 178 (correspondence information) in which setting information for content items is associated with each purpose, and proposes setting information (content) according to the selected purpose. Fig. 12 is a diagram showing an example of the contents of the template information 178. The template information 178 is, for example, information in which a purpose is associated with content according to the purpose.

[0049] This template information 178 may be prepared for each predetermined member store, or may be common to predetermined member stores. For example, common to predetermined member stores means member stores with the same or similar characteristics, such as business type, category, sales, number of payments, etc.

[0050] In Figure 12, as an example, the numbers 1-3 are written instead of the content itself. Content with relaxed content is associated in the order 1-3. Relaxed content means that the content is easier to use and apply.

[0051] For example, in the template information 178 of a certain affiliated store, the conditions for the coupon targeting the purpose of increasing new customers are stricter than those for other purposes. This is because, when increasing new customers, the coupon targeting is limited to new users. For example, when increasing new customers, the payment server 100 may display on the interface screen IF3 a comment indicating that it is recommended to limit the target to new users (or may display the reason for setting the content).

[0052] For example, in template information 178 for a certain member store, the constraints for increasing the average payment unit price are stricter than those for other purposes. This is because, in order to increase the average payment unit price, it is necessary to set strict constraints such as the minimum payment amount.

[0053] The degree of relaxation of the budget limit and the usage period is set according to the purpose, and the content is set according to the degree of relaxation. As described above, the degree of relaxation of the content is determined according to the purpose.

[0054] For example, if the purpose is to increase the number of orders, coupons are proposed to be available to users who have used the affiliated store in the past, and the control conditions are looser (e.g., looser than for other purposes). If the purpose is to increase the number of orders, the coupon may be set to be automatically granted to users who have used the affiliated store in the past. As described above, automatic granting may be performed depending on the purpose. Normally, a user can obtain a coupon by operating the payment app 20 and performing an operation to obtain the coupon, but in the case of automatic granting, the coupon is automatically obtained without the user having to operate the payment app 20. For example, the payment server 100 may display a comment on the interface screen IF4 indicating that, if the purpose is to increase the number of orders, it is recommended to limit the coupon to users who have used the affiliated store in the past.

[0055] 12, an index may be associated with each purpose. The payment server 100 refers to template information 178 in which index information of content items is associated with each purpose, applies the index of the selected purpose to the payment history of the affiliated store (affiliated store history information 180), and proposes content according to the selected purpose.

[0056] FIG. 13 is a diagram showing an example of the contents of member store history information 180. Member store history information 180 is information about member stores, such as the average unit price for each member store, the number of payments (e.g., by day), sales (e.g., by day), holidays, the number of uses per customer, and the content of coupons created in the past. The average unit price is an example of a statistically processed unit price for a member store. The number of payments is an example of a statistically processed number of payments for a member store. Sales is an example of a statistically processed sales for a member store. The payment server 100 performs statistical processing based on the index and the contents of the member store history information (e.g., the average unit price, the number of payments, sales, holidays, the number of uses per customer, etc.) to derive content appropriate for the purpose.

[0057] The payment server 100 proposes constraints, which are content, by applying, for example, the payment unit price to the index. For example, the payment server 100 determines the constraints to propose by multiplying the member store's payment unit price by an index (e.g., 1 or 1.2). For example, if the goal is to increase the average payment unit price, the payment server 100 multiplies the member store's payment unit price by an index (amount greater than 1) to determine the constraint, which is the minimum payment amount for which a coupon is applicable. In this way, a minimum payment amount is determined and proposed so that the goal can be achieved (e.g., an increase or decrease in the minimum payment amount is proposed). When raising the average payment unit price, the payment server 100 may display a comment on the interface screen IF5 recommending that the unit price be increased above the member store's average payment unit price. The payment server 100 may provide the average payment unit price to the member store interface 72. For example, since payment unit prices vary depending on the industry of the member store, such as a used car dealership or a drugstore, proposals can be made according to the industry.

[0058] When the minimum payment amount is determined as described above, the reward return rate may be set higher than the return rates for other purposes. For example, when the minimum payment amount is increased above a reference value, the payment server 100 may increase the return rate based on the degree of increase. The return rate is calculated based on a preset function.

[0059] The payment server 100 may, for example, apply a default return rate (e.g., 5%) to the index and propose the contents of the benefit. For example, if the purpose is to increase the number of new users, the payment server 100 may apply the index to the return rate of coupons previously created by the affiliated store and propose a return rate higher than the past return rate. Note that the return rate may be a value set in advance for each purpose.

[0060] The payment server 100 applies one or both of the number of payments and sales to the index, and proposes one or both of the budget and usage period, which are content. For example, the payment server 100 proposes a budget limit based on the number of payments and the index, or proposes a budget limit based on sales and the index. For example, the payment server 100 proposes a usage period based on the number of payments and the index, or proposes a usage period based on sales and the index. The index is a value optimized for deriving a budget limit or usage amount for each purpose. The above index may be a parameter applied to a function. Using an index includes using a function or calculation method that includes an index.

[0061] Furthermore, the payment server 100 may derive a usage period and a budget limit according to a purpose based on the index, the average unit price, and the number of payments. The index is an index prepared for deriving a usage period according to a purpose.

[0062] When making the above suggestions, each piece of content may be sought and suggested based on one or more items included in the affiliated store history information 180 and an index (function).

[0063] As described above, the payment server 100 can derive and propose content suitable for the purpose by applying the index set for each purpose to the affiliated store history information 180.

[0064] [flowchart] 14 is a flowchart showing an example of the flow of processing executed by the payment server 100. First, the payment server 100 acquires information on the purpose of coupon creation from the member store interface 72 (S100). Next, the payment server 100 generates content to be proposed based on the template information 178 and member store history information 180 (S102). Next, the payment server 100 provides the generated content to the member store interface 72 (S104). This completes the processing of one routine of this flowchart.

[0065] As described above, the payment server 100 can propose to the member store coupon content according to the purpose selected by the member store, thereby improving convenience for the member store in creating coupons.

[0066] The content and indicators of the template information 178 may be updated. For example, the payment server 100 compares the affiliated store history information 180 before and after issuing a coupon using template information 178 with a certain purpose. If the affiliated store does not achieve the purpose, the payment server 100 updates the template information 178. For example, if the purpose is to increase new users and the number of new users does not increase, the payment server 100 updates the template information 178 to relax the constraints, increase the budget limit, or extend the usage period. For example, if the purpose is to increase the number of payments and the number of payments does not increase, the payment server 100 updates the template information 178 to relax the users eligible for the coupon, relax the constraints, or extend the usage period. For example, if the purpose is to increase the average payment unit price and the average payment unit price does not increase, the payment server 100 updates the template information 178 to restrict the users eligible for the coupon (for example, limiting it to followers or users who have used it a certain number of times) or to relax the constraints (for example, raising the minimum payment amount).

[0067] [Providing estimated customer acquisition cost] FIG. 15 is a diagram illustrating the estimated cost per customer acquisition and the maximum number of users. The payment server 100 may derive and provide an estimated cost per customer acquisition based on the affiliated store history information 180 and content. The content may be content suggested based on a purpose or content directly entered by the user. The payment server 100 estimates the cost per customer acquisition based on, for example, the coupon reward rate and the statistically processed payment unit price included in the affiliated store history information 180, and provides the estimated cost per customer acquisition to the affiliated store. For example, the payment server 100 derives the estimated cost per customer acquisition by multiplying the average price by the point reward rate (benefit), and provides the estimated cost per customer acquisition to the affiliated store interface 72. The estimated cost per customer acquisition is the unit price required to attract customers.

[0068] [Providing the maximum number of users] The payment server 100 may derive and provide the maximum number of users based on the affiliated store history information 180 and the content. The payment server 100 estimates the number of users who can use the coupon based on the coupon's budget limit and the estimated cost per customer acquisition, and provides the estimated number of users to the affiliated store. For example, the payment server 100 derives the maximum number of users by dividing the budget limit by the estimated cost per customer acquisition, and provides the maximum number of users to the affiliated store interface 72. The maximum number of users is the maximum number of users who can use the coupon.

[0069] As described above, affiliated stores can refer to the estimated cost per customer or the maximum number of users to check the effectiveness of the coupons they are about to create or to modify the content of each item, thereby improving convenience for affiliated stores.

[0070] [Advice for entered content] If the coupon content, that is, the coupon benefit or the coupon budget, is outside the corresponding preset range, the payment server 100 provides the fact that it is out of range and the disadvantages of being out of range to the member store interface 72. For example, when the member store inputs and sets the content, the payment server 100 determines whether the value of the input content is within the set threshold range, and if it is out of range, gives advice to the member store.

[0071] The above threshold range may be set regardless of the affiliated store, or may be set for each affiliated store. For example, it may be calculated based on the affiliated store history information 180 of the affiliated store, or may be set for each category of affiliated stores. For example, it is a value calculated by the payment server 100 based on the content of coupons issued by the affiliated store in the past, the affiliated store history information 180 including the coupon usage record, and predetermined criteria.

[0072] Figure 16 is a diagram for explaining advice. The following set ranges are derived as ranges in which coupons can be effectively used by referring to the history of coupon creation and usage for past participating stores, categories of participating stores, or the entire electronic payment service.

[0073] For example, if the coupon benefit is below a preset range, the payment server 100 advises that if the point award rate is low as shown on the interface screen IF11, the cost per customer will be low, but the customer attraction power will also be low.

[0074] For example, if the coupon benefits exceed a preset range, the payment server 100 advises that a high point award rate, as shown on interface screen IF12, will improve the cost per customer acquisition, but will also increase the cost per customer acquisition and reduce cost-effectiveness.

[0075] For example, if the number of points granted for a coupon is below a preset range, the payment server 100 advises the user that a low number of points granted will result in a low cost per customer, but a low ability to attract customers, as shown on the interface screen IF13. The number of points granted is, for example, the maximum number of points a user can obtain from a coupon.

[0076] For example, if the number of points awarded for a coupon exceeds a preset range, the payment server 100 advises that if the number of points awarded is high, as shown on interface screen IF14, the cost per customer will increase, but the cost per customer will also increase and the cost-effectiveness will decrease.

[0077] For example, if the coupon budget is below a preset range, the payment server 100 advises, as in the interface screen IF15, that if the budget is too low, the number of users may decrease.

[0078] For example, if the coupon budget exceeds a preset range, the payment server 100 advises that it is recommended to set a longer usage period when the budget is large, as shown on the interface screen IF16.

[0079] As described above, the payment server 100 can provide appropriate advice to the affiliated store depending on whether the coupon content is above or below the set range, allowing the affiliated store to set the coupon content appropriately.

[0080] [Advice on setting a budget according to your goals] The payment server 100 may propose a coupon budget to the affiliated store according to the purpose. FIG. 17 is a diagram showing a proposal interface screen. For example, if the affiliated store wants to increase the number of new customers (users), the affiliated store inputs the number of customers it wants to increase, the period it wants to achieve, and some or all of the affiliated store history information 180 (for example, sales, payment unit price, number of payments) into a model according to the purpose, and the model outputs a budget according to the input information. The model is a model that has been trained so that when input information is input, a desired budget according to the input information (budget according to the purpose) is output. For example, the model has been trained with information that associates input information for each purpose with a budget.

[0081] In this way, the payment server 100 can propose an appropriate budget to the user.

[0082] According to the embodiment described above, the payment server 100 displays a list of purposes for creating coupons on the display unit of the affiliated store terminal device based on instructions from the affiliated store to create coupons to be provided to users, and suggests coupon content according to the purpose selected by the affiliated store, thereby improving the convenience of the affiliated store in creating coupons.

[0083] The above describes the form for carrying out the present invention using an embodiment, but the present invention is not limited to such an embodiment, and various modifications and substitutions can be made within the scope that does not deviate from the gist of the present invention. [Explanation of symbols]

[0084] 10 User terminal device 20. Payment App 50 First store terminal device 100 Payment Server 120 Contents Provider 130 Payment processing unit 140 Information Management Department 150 Coupon Generation Unit 178 Template Information 180 Member store history information

Claims

1. an acquisition unit that acquires, from a member store terminal device of the member store, an instruction to create a coupon that can be used for electronic payments at the member store of the electronic payment service and that the member store provides to a user; Based on the instruction, a list of purposes for creating the coupon is displayed on the display unit of the affiliated store terminal device; a processing unit that proposes coupon content according to the purpose selected by the member store; The processing unit referring to correspondence information in which setting information of the content items is associated with each of the purposes, and proposing setting information according to the selected purpose; The setting information is an index set according to each purpose, referring to correspondence information in which an index of the content item is associated with each of the purposes, and applying the index of the selected purpose to the payment history of the affiliated store to propose content according to the selected purpose; The payment history of the affiliated store includes a statistically processed payment unit price of the affiliated store; applying the payment unit price to the index to propose a minimum transaction amount for which the coupon can be used, which is the item and the constraint condition; Information processing device.

2. an acquisition unit that acquires, from a member store terminal device of the member store, an instruction to create a coupon that can be used for electronic payments at the member store of the electronic payment service and that the member store provides to a user; Based on the instruction, a list of purposes for creating the coupon is displayed on the display unit of the affiliated store terminal device; a processing unit that proposes coupon content according to the purpose selected by the member store; The processing unit referring to correspondence information in which setting information of the content items is associated with each of the purposes, and proposing setting information according to the selected purpose; The setting information is an index set according to each purpose, referring to correspondence information in which an index of the content item is associated with each of the purposes, and applying the index of the selected purpose to the payment history of the affiliated store to propose content according to the selected purpose; The payment history of the affiliated store includes one or both of the number of statistically processed payments and sales of the affiliated store, Applying one or both of the number of payments and sales to the index, and proposing one or both of the budget and the usage period of the coupon, which are the items. Information processing device.

3. The content of the coupon includes one or more items among a target user of the coupon, a constraint on the use of the coupon, a benefit of the coupon, a budget for the coupon, and a usage period of the coupon.

3. The information processing device according to claim 1.

4. The objectives include increasing the number of new users, increasing the number of times users use the service, and increasing the average payment amount. The information processing device according to claim 3 .

5. the processing unit estimates a unit cost of attracting customers based on a coupon award rate, which is a coupon benefit, and a statistically processed unit cost of payment included in the payment history of the affiliated store, and provides the estimated unit cost of attracting customers to the affiliated store; 3. The information processing device according to claim 1.

6. the processing unit estimates the number of users who can use the coupon based on the coupon budget upper limit and the estimated unit cost of attracting customers, and provides the estimated number of users to the affiliated store; The information processing device according to claim 5 .

7. When the coupon content, that is, the coupon benefit or the coupon budget, is outside a corresponding preset range, the processing unit notifies the affiliated store that the coupon content is outside the range and the disadvantage of being outside the range.

3. The information processing device according to claim 1.

8. The computer receiving, from the affiliated store terminal device of the affiliated store, an instruction to create a coupon that can be used for electronic payment at the affiliated store of the electronic payment service and that the affiliated store provides to the user; Based on the instruction, a list of purposes for creating the coupon is displayed on the display unit of the affiliated store terminal device; suggesting coupon content according to the purpose selected by the affiliated store; referring to correspondence information in which setting information of the content items is associated with each of the purposes, and proposing setting information according to the selected purpose; The setting information is an index set according to each purpose, referring to correspondence information in which an index of the content item is associated with each of the purposes, and applying the index of the selected purpose to the payment history of the affiliated store to propose content according to the selected purpose; The payment history of the affiliated store includes a statistically processed payment unit price of the affiliated store; applying the payment unit price to the index to propose a minimum transaction amount for which the coupon can be used, which is the item and the constraint condition; Information processing methods.

9. On the computer, acquires from the affiliated store terminal device of the affiliated store an instruction to create a coupon that can be used for electronic payment at the affiliated store of the electronic payment service and that the affiliated store provides to the user; Based on the instruction, a list of purposes for creating the coupon is displayed on the display unit of the affiliated store terminal device; Proposing coupon content according to the purpose selected by the affiliated store; by referring to correspondence information in which setting information of the content items is associated with each of the purposes, setting information corresponding to the selected purpose is proposed; The setting information is an index set according to each purpose, referencing correspondence information in which an index of the content item is associated with each of the purposes, and applying the index of the selected purpose to the payment history of the affiliated store to suggest content according to the selected purpose; The payment history of the affiliated store includes a statistically processed payment unit price of the affiliated store; applying the payment unit price to the index to propose a minimum transaction amount for which the coupon can be used, which is the item and the constraint condition; program.

10. The computer receiving, from the affiliated store terminal device of the affiliated store, an instruction to create a coupon that can be used for electronic payment at the affiliated store of the electronic payment service and that the affiliated store provides to the user; Based on the instruction, a list of purposes for creating the coupon is displayed on the display unit of the affiliated store terminal device; suggesting coupon content according to the purpose selected by the affiliated store; referring to correspondence information in which setting information of the content items is associated with each of the purposes, and proposing setting information according to the selected purpose; The setting information is an index set according to each purpose, referring to correspondence information in which an index of the content item is associated with each of the purposes, and applying the index of the selected purpose to the payment history of the affiliated store to propose content according to the selected purpose; The payment history of the affiliated store includes one or both of the number of statistically processed payments and sales of the affiliated store, Applying one or both of the number of payments and sales to the index, and proposing one or both of the budget and the usage period of the coupon, which are the items. Information processing methods.

11. On the computer, acquires from the affiliated store terminal device of the affiliated store an instruction to create a coupon that can be used for electronic payment at the affiliated store of the electronic payment service and that the affiliated store provides to the user; Based on the instruction, a list of purposes for creating the coupon is displayed on the display unit of the affiliated store terminal device; Proposing coupon content according to the purpose selected by the affiliated store; by referring to correspondence information in which setting information of the content items is associated with each of the purposes, setting information corresponding to the selected purpose is proposed; The setting information is an index set according to each purpose, referencing correspondence information in which an index of the content item is associated with each of the purposes, and applying the index of the selected purpose to the payment history of the affiliated store to suggest content according to the selected purpose; The payment history of the affiliated store includes one or both of the number of statistically processed payments and sales of the affiliated store, Applying one or both of the number of payments and sales to the index, and proposing one or both of the budget and the usage period of the coupon, which are the items. program.

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