Information processing device, information processing method, and program

Abstract

To improve user convenience. [Solution] An information processing device comprising: an acquisition unit that acquires a first payment amount of an electronic payment for an electronic payment service at a member store for a specified period and a second payment amount of the electronic payment from the first payment amount that is expected to meet the conditions for applying the target benefit; and a processing unit that performs calculations using the first payment amount and the second payment amount to derive a first evaluation index that indicates the ease of using the benefit, which is an evaluation index for the benefit, and displays the first evaluation index on a display unit of a terminal device related to the member store.

Description

[Technical Field]

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

[0002] BACKGROUND ART It has been disclosed in the past that coupons are provided to users in electronic payment services that use code information (see, for example, Patent Document 1). [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Patent No. 6978569 Summary of the Invention [Problem to be solved by the invention]

[0004] Conventional technologies have not been able to accurately evaluate coupons and other benefits or to provide appropriate suggestions based on the evaluation, which has resulted in insufficient convenience for users (store or service users).

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

[0006] One aspect of the present invention is an information processing device that includes an acquisition unit that acquires a first payment amount of an electronic payment for an electronic payment service at a member store for a specified period and a second payment amount of the electronic payment from the first payment amount that is expected to satisfy the conditions for applying a target benefit, and a processing unit that performs calculations using the first payment amount and the second payment amount to derive a first evaluation index that indicates the ease of using the benefit, which is an evaluation index of the benefit, and displays the first evaluation index on a display unit of a terminal device related to the member 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 user convenience. [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. 10 is a diagram showing an example of the contents of history information 178. [Figure 8] FIG. 10 is a diagram showing an example of the contents of coupon information 180. [Figure 9] This is target information used in processing obtained from the history information 178. [Figure 10] FIG. 10 is a diagram for explaining the relationship between the indices and the indices obtained from the indices. [Figure 11] FIG. 1 is a diagram for explaining the relationship between CGMV, TGMV, CAM, and CUI. [Figure 12] FIG. 10 is a diagram showing an example of the contents of index information 182. [Figure 13] FIG. 10 is a diagram showing provided information (1). [Figure 14] FIG. 10 is a diagram showing provided information (2). [Figure 15] FIG. 10 is a diagram showing provided information (3). [Figure 16] FIG. 10 is a diagram showing provided information (4). [Figure 17] FIG. 10 is a diagram showing provided information (5). [Figure 18] FIG. 10 is a diagram showing provided information (6). [Figure 19] FIG. 2 is a diagram showing an interface screen IF1 displayed on a display unit. [Figure 20] FIG. 10 is a diagram showing an example of each index for each number of affiliated stores. [Figure 21] 10 is a diagram for explaining an example of processing by a processing unit 150. FIG. [Figure 22] FIG. 10 is a diagram illustrating an example of an 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. The 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, the payment server 100, and an administrator terminal device 200. These devices communicate with each other 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 types of electronic payment: Pattern 1 and Pattern 2. Details of Pattern 1 shown in Figure 2 will be described later.

[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). Then, the user terminal device 10 generates second payment information including at least the payment amount and sends it to the payment server 100 (S6). The payment server 100 makes the electronic payment based on the received second payment information (S7). The payment server 100 then sends 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, 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 sent 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 processing unit 150, and a storage unit 170. The components other than the communication unit 110 and the storage unit 170 are realized by, for example, a hardware processor such as a CPU executing a program (software). Some or all of these components may be realized by hardware (including circuitry) such as an LSI (Large Scale Integration), an ASIC (Application Specific Integrated Circuit), an FPGA (Field-Programmable Gate Array), a GPU (Graphics Processing Unit), or 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 having 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. Information management unit 140 is an example of an "acquisition 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, history information 178, coupon information 180, and index information 182.

[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 service provider (bank) 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. The payment method setting indicates whether the user will make electronic payments using the charge balance or by credit payment at that time. The bank account and credit card number are information (account number and card number) on bank accounts or credit cards that can be used to deposit funds into the electronic payment service. Charge history information is a record of the user's previous transfers to the electronic payment service to increase the charge balance. Payment history information is information that shows the details of the user's payments (date and time, store ID of the store where the purchase was made, payment amount, payment method, etc.) for each payment.

[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] [History information] 7 is a diagram showing an example of the contents of the history information 178. The history information 178 is, for example, information on the history of electronic payments for each affiliated store. For example, it is information in which the payment ID of the affiliated store, the payment amount, information on the applied coupon (if a coupon was applied), the details of the coupon benefit, the coupon ID (not shown), etc. are associated. The payment server 100 can derive various indices, which will be described later, by referring to the history information 178, coupon information 180, etc.

[0032] [Coupon Information] FIG. 8 is a diagram showing an example of the contents of coupon information 180. Coupon information 180 associates information such as a coupon ID, affiliated store ID, benefit details, terms of use, expiration date, maximum number of uses, and maximum amount of points that can be awarded. Benefit details are information indicating the details of the benefit provided by the coupon corresponding to the coupon ID. For example, in the case of a coupon with coupon ID "0001," a user can receive a 10% rebate on the payment amount by using the coupon. Terms of use are information indicating the conditions under which the coupon can be used at the time of payment. For example, in the case of a coupon with coupon ID "0001," a user can use the coupon for payments of 500 yen or more.

[0033] The usage period is information indicating the period during which the coupon can be used. The maximum number of uses is information indicating the maximum number of times a coupon can be used during the usage period to receive a rebate. The maximum reward point is the maximum amount of reward points that can be received during the usage period to receive a rebate. For example, for a coupon with coupon ID "0001", the maximum reward point that a user can receive is 500 points.

[0034] Note that Figure 8 shows an example in which each coupon is issued for each affiliated store ID (for each affiliated store), but this embodiment is not limited to such a configuration, and each coupon may be issued for each store ID (for each store) of each affiliated store.

[0035] [Processing related to evaluation indicators] The processing unit 150 executes some or all of the processes (1) to (3) described below using, for example, the following information and indicators.

[0036] 9 shows target information used in processing obtained from history information 178. The target information includes TGMV (Total Gross Merchandise Value), CGMV (Coupon Gross Merchandise Value), and TAM (Total Addressable Market).

[0037] [TGMV] TGMV is the total transaction volume at participating merchants for a given period. The total transaction volume is the transaction volume of electronic payments made through electronic payment services.

[0038] [CGMV] CGMV is the transaction amount of electronic payments made using the applicable affiliated store coupons out of the total payment amount mentioned above.

[0039] For example, for a target merchant A, the specified period is from January 1st to January 31st. If the merchant makes electronic payments of 1 million yen using an electronic payment service during this specified period, the 1 million yen is "TGMV." If a coupon is applied to an electronic payment of 200,000 yen out of the 1 million yen, the 200,000 yen is "CGMV." The specified period is, for example, the period during which the coupon can be used. The specified period may be a period that includes the coupon's validity period, or may be a period that includes a portion of the validity period.

[0040] TAM is the payment amount when it is assumed that a coupon is applied to all electronic payments that satisfy the coupon's terms of use (application conditions) among TGMV. For example, it is the payment amount when it is assumed that all users who make electronic payments at a participating store have obtained a coupon and used that coupon. If a participating store has issued multiple coupons that can be used, it is assumed that the coupon with the highest priority (for example, a coupon with a high return rate) will be applied. Note that if multiple coupons have been issued, it may be assumed that some or all of the multiple coupons will be applied (that they can be used together).

[0041] 10 is a diagram for explaining the relationship between the indices and the indices obtained from each indices. TAM is equal to or less than TGMV. CGMV is equal to or less than TAM and is either "0" or "0".

[0042] [CUI (First Evaluation Index)] (1) The processing unit 150 performs calculations using the TGMV (first payment amount) of the electronic payment of the electronic payment service at the affiliated store for a predetermined period (e.g., the applicable coupon usage period) and the TAM (second payment amount) of the electronic payment that is assumed to satisfy the applicable conditions of the applicable coupon from the TGMV (first payment amount) to derive a Captured Usability Index (CUI: first evaluation index) that indicates the ease of use of the benefit, which is an evaluation index of the coupon. The CUI is an index that is equal to or less than "1" and equal to or greater than "0."

[0043] For example, the processing unit 150 calculates the CUI by dividing the TAM by the TGMV. The processing unit 150 may calculate the CUI by applying a predetermined value to the divided value, or may calculate the CUI by performing another calculation using the TAM and the TGMV.

[0044] The processing unit 150, for example, displays the CUI on a display unit of a terminal device related to the affiliated store. The terminal device related to the affiliated store is, for example, the second store terminal device 70 or the administrator terminal device 200. The administrator terminal device 200 is a terminal device used, for example, by an administrator of the electronic payment service or a supporter (e.g., a sales representative) who supports the affiliated store.

[0045] By referring to the CUI as described above, it is possible to easily recognize the ease of using a coupon. For example, if the CUI is high, it can be recognized that the affiliated store has created coupons that are easy for customers to use, and if the CUI is low, it can be recognized that the affiliated store has created coupons that are difficult for customers to use.

[0046] [CAM (second evaluation index)] (2) The processing unit 150 performs calculations using the TAM (second payment amount) of the electronic payment that is assumed to satisfy the conditions for applying the target benefit out of the TGMV (first payment amount) of the electronic payment of the electronic payment service at the affiliated store for a predetermined period (for example, the period during which the target coupon can be used) and the CGMV (third payment amount) of the TGMV (first payment amount) for which the benefit is actually used, to derive the CAM (Captured Addressable Market: second evaluation index) that indicates the utilization rate of the benefit, which is an evaluation index of the benefit. CAM is an index that is less than "1" and greater than "0". In other words, CAM is an index that indicates the capture rate.

[0047] For example, the processing unit 150 calculates the CAM by dividing the CGMV by the TAM. The processing unit 150 may calculate the CAM by applying a predetermined value to the divided value, or may calculate the CAM by performing another calculation using the CGMV and the TAM.

[0048] The processing unit 150, for example, displays the CAM on a display unit of a terminal device related to the affiliated store.

[0049] By referring to the CAM as described above, it is possible to easily recognize the coupon usage rate. For example, if the CAM is high, it can be recognized that the affiliated store has created coupons with a high usage rate, and if the CAM is low, it can be recognized that the affiliated store has created coupons with a low usage rate.

[0050] [CAM×CUI (Comprehensive Evaluation Index)] 11 is a diagram for explaining the relationship between CGMV, TGMV, CAM, and CUI. The index obtained by dividing CGMV by TGMV is equal to the index obtained by multiplying CAM by CUI.

[0051] (3) The processing unit 150 performs calculation processing using the CUI (first evaluation index) and the CAM (second evaluation index) to derive an integrated evaluation index of the benefit, which is an evaluation index of the benefit. The processing unit 150 displays the integrated evaluation index on the display unit of the terminal device related to the affiliated store.

[0052] By referring to the integrated evaluation index as described above, it is possible to easily recognize whether a coupon is a highly rated coupon. For example, if the integrated evaluation index is high, it can be recognized that the affiliated store is creating highly rated coupons, and if the integrated evaluation index is low, it can be recognized that the affiliated store is creating low-rated coupons.

[0053] As described above, the processing unit 150 derives each index for each affiliated store at a predetermined timing and aggregates the derived results to generate index information 182. Figure 12 is a diagram showing an example of the contents of index information 182. For example, index information 182 includes TGMV, TAM, CGMV, CAM, CUI, and CUI x CAM for a predetermined period for each affiliated store.

[0054] The processing unit 150 provides various information related to the affiliated store to the terminal device using the above-mentioned index information 182. The information provided to the terminal device related to the affiliated store will be described below.

[0055] The processing unit 150 may display one or both of the TGMV and the CGMV on the display unit in addition to the index (evaluation index). The processing unit 150 may display the index (evaluation index) for a predetermined period in chronological order on the display unit.

[0056] [Provided information (1)] FIG. 13 is a diagram showing provided information (1). The vertical axis indicates the magnitude of the index (evaluation level), and the horizontal axis indicates time. Provided information (1) shows the monthly changes in CUI and CAM. By referring to provided information (1), viewers can easily check the evaluation of created coupons. For example, by checking the magnitude of CUI and CAM while referring to created coupons, viewers can easily recognize which coupons have a high usage rate and which coupons are easy to use. Furthermore, viewers can easily recognize coupons that are easy to use but have a low usage rate, and coupons that are easy to use but have a low usage rate. Note that provided information (1) may include one or more of TGMV, CGMV, TAM, and CUI×CAM, or one of CUI and CAM may be omitted.

[0057] [Provided information (2)] FIG. 14 is a diagram illustrating provided information (2). The vertical axis represents the magnitude of the index (evaluation level), and the horizontal axis represents time. Provided information (2) shows the monthly trends in the percentage of TAM in TGMV and the percentage of CGMV in TGMV. By referring to provided information (2), viewers can confirm the correlation between the percentage of TAM and the percentage of CGMV. In the example of FIG. 14, the percentage of TAM and the percentage of CGMV are positively correlated. Furthermore, by referring to provided information (1) and provided information (2), viewers can confirm the relationship between CUI and CAM and TAM and CGMV. For example, by checking the trends of TAM and CGMV in months when CUI or CAM increased, viewers can confirm that the ratings were high, that coupons were actually used, and that coupons were created. Note that provided information (2) may include one or more pieces of information from TGMV, CUI, CAM, and CUI × CAM, or one of TAM and CGMV may be omitted.

[0058] [Provided information (3)] FIG. 15 is a diagram showing provided information (3). The vertical axis indicates the magnitude of the index, and the horizontal axis indicates time. Provided information (3) shows the time-series trends of TGMV, CUI, CAM, and CUI×CAM. By referring to provided information (3), viewers can easily confirm whether TGMV has increased by creating a coupon with high CUI, CAM, CUI×CAM, etc. (a highly rated coupon). For example, it is possible to easily evaluate whether the coupon contributed to sales. Note that provided information (3) may include the other indexes described above (TAM, CGMV), or some indexes may be omitted. The same applies to subsequent provided information.

[0059] [Provided information (4)] FIG. 16 is a diagram showing provided information (4). The vertical axis indicates the magnitude of the index, and the horizontal axis indicates time. Provided information (4) shows TGMV, CGMV, and the percentage (%) of CGMV in TGMV over time. By referring to provided information (4), viewers can easily recognize changes in the frequency of coupon usage and the correlation between the frequency of coupon usage and payment amount. Although it depends on the time of year and season, if the payment amount increases when the frequency of coupon usage increases, for example, it can be inferred that the created coupon contributed to the increase in payment amount.

[0060] [Provided information (5)] FIG. 17 is a diagram showing provided information (5). The vertical axis indicates the magnitude of the index, and the horizontal axis indicates time. Provided information (5) shows the CGMV for each month of the target year, the CGMV for each month of the previous year, and the percentage increase or decrease (%) of the CGMV for the previous year relative to the CGMV for the target year. By referring to these indexes, the effectiveness of coupons for the target year and coupons for the previous year can be easily verified. For example, if the CGMV for the target year is higher than the CGMV for the previous year, it can be inferred that the coupons created in the target year were suitable for users.

[0061] [Provided information (6)] FIG. 18 is a diagram showing provided information (6). The vertical axis indicates the size of the index, and the horizontal axis indicates time. Provided information (6) shows the monthly TAM of the target year, the monthly TAM of the previous year, and the percentage increase or decrease of the monthly TAM of the target year compared to the previous year's TAM. By referring to these indexes, it is possible to easily recognize the ease of applying coupons created in the target year and the ease of applying coupons created in the previous year.

[0062] Furthermore, by referring to the above-mentioned Figure 17 and other figures, it is easy to recognize whether the coupons are being used appropriately. For example, if the TAM for a specific month of the target year in Figure 18 shows an upward trend compared to the TAM for a specific month of the previous year, and if the CGMV for a specific month of the target year in Figure 17 also shows an upward trend compared to the CGMV for a specific month of the previous year, it can be confirmed that the coupons are functioning appropriately.

[0063] As described above, by referring to some or all of the provided information, merchants and administrators can easily recognize coupon usage rates, ease of coupon use, and payment amounts using coupons. Furthermore, merchants and administrators can compare coupon-related indicators with trends from the previous year and this year. By referring to the indicators above, merchants and administrators can consider strategies for creating and issuing coupons.

[0064] [Selected by the merchant or administrator] The processing unit 150 may display the index selected (or requested) by the affiliated store or administrator on the display unit. FIG. 19 is a diagram showing an interface screen IF1 displayed on the display unit. The interface screen IF1 includes buttons for selecting an index such as CAM, CUI, CAM x CUI, TAM, CGMV, or TGMV. In addition, the interface screen IF1 may include buttons for selecting a period, or by year, month, day, or the like. The processing unit 150 obtains the index, period, and display method (such as by month) corresponding to the button selected by the affiliated store or administrator, and displays the obtained index on the display unit.

[0065] As described above, the processing unit 150 can display the indicator selected by the affiliated store or manager on the display unit, thereby allowing the affiliated store or manager to easily view the desired indicator.

[0066] When the administrator views the information, the information of the desired affiliated store may be displayed on the display unit. The desired affiliated store may be all affiliated stores or affiliated stores in a specified area. The specified affiliated store may be an affiliated store in a specified industry or an affiliated store of a specified brand.

[0067] [Providing indicators according to changes] The processing unit 150 may display on the display unit information indicating the degree of improvement in the index (such as XX% improvement) that changes in response to changes in the contents of the items included in the application conditions (the payment amount, which are the terms of use, the available period, the maximum number of uses, and the maximum amount awarded), as well as the index after the change.

[0068] For example, if an affiliated store changes the maximum number of times a coupon can be used when creating a coupon, the processing unit 150 may display on the display unit that the CUI has improved by 10% and information about the improved CUI.

[0069] For example, if a member store changes the maximum number of uses of a coupon when creating a coupon, the processing unit 150 may display on the display unit information indicating that the CAM has improved by 10% and the improved CAM. Note that CGMV is used to derive the CAM. For example, an index is calculated for each content of the coupon to be created, and the CGMV is calculated by multiplying the index by the past TGMV. The index may differ depending on the business type or size (number of stores). The CGMV may be calculated based on coupons previously created by the member store and the CGMV at that time. For example, if a coupon with the same or similar content (benefit details, terms of use, maximum number of uses, maximum amount of points to be awarded, etc.) as the coupon to be created has been created in the past, the CGMV of the previously created coupon may be used. The CGMV of the previously created coupon may be the CGMV of a coupon created by another member store, or a CGMV corresponding to a preset coupon type (the type of coupon to be created).

[0070] [Statistical processing] The processing unit 150 statistically processes each of the above-mentioned indicators based on predetermined criteria and provides information on the results of the statistical processing to the affiliated store or administrator. For example, as shown in FIG. 20 (described later), each indicator may be derived for each number of affiliated stores, or for each category of affiliated stores. For example, indicators for affiliated stores with the same sales range may be derived.

[0071] FIG. 20 shows an example of each index for each number of stores of affiliated stores. For example, affiliated stores are categorized by a predetermined number of stores, such as online stores, "1," "2," "3-5," "501-1000," or "1000 or more." Each index is derived for each affiliated store categorized by the number of stores, and further, an index is derived by statistically processing the index. For example, predetermined indexes such as the median of CAM, median of CUI, or median of CAM x CUI are derived for each categorized affiliated store. Instead of the median, an average or other index may be calculated.

[0072] [Coupon Suggestion] The processing unit 150 may evaluate the coupon. The processing unit 150 may determine whether the coupon satisfies a standard. If the index (evaluation index) does not satisfy the standard index, the processing unit 150 notifies the terminal device of the affiliated store of a proposal for making the index satisfy the standard index, based on proposal information including a preset proposal. The standard index is an index set based on one or more of the payment histories of affiliated stores in the same industry as the affiliated store, the payment histories of affiliated stores with the same number of stores as the affiliated store, and the payment histories of affiliated stores within the same sales range as the affiliated store.

[0073] The processing unit 150 may make a suggestion for the coupon to improve the index related to the coupon. For example, the processing unit 150 may make a suggestion when the coupon does not meet the criteria as described below.

[0074] 21 is a diagram illustrating an example of processing by the processing unit 150. For example, a user creates a coupon by inputting various conditions related to the coupon using the member store interface 72. The processing unit 150 acquires the conditions of the created coupon (S100).

[0075] The processing unit 150 performs a simulation using past settlement history to determine the CUI, CAM, and CUI×CAM (S102, S104). The processing unit 150 determines the CUI, CAM, and CUI×CAM that are currently being created.

[0076] For example, the processing unit 150 calculates the CUI using past TGMV and the TAM of the current coupon corresponding to the past TGMV. The past TGMV may be for the target affiliated store or for affiliated stores similar to the target affiliated store. Similar affiliated stores are determined based on predetermined criteria such as industry type, category, sales trends, and size.

[0077] For example, the processing unit 150 calculates the CAM using the TAM corresponding to the past TGMV (the TAM of the current coupon) and the CGMV corresponding to the coupon. The CGMV corresponding to the coupon is calculated, for example, as follows. The processing unit 150 determines which of multiple coupons (comparison coupons) with different pre-prepared content (benefit content, terms of use, maximum number of uses, maximum amount of points to be awarded, etc.) the target coupon corresponds to or is similar to. For example, the processing unit 150 compares the content of the target coupon with pre-prepared criteria and identifies a comparison coupon corresponding to the target coupon based on the comparison result. For example, coupons with similar content are identified. The processing unit 150 identifies the index of the identified comparison coupon by referring to pre-prepared index information. The index information is information in which an index is pre-associated with each comparison coupon. The index information is prepared for each type, category, or size of affiliated store, for example, and index information of similar stores may be used. The processing unit 150 calculates the CGMV of the target coupon based on the identified index and the TAM. For example, if the index is 0.5, then CGMV is 0.5 x TAM.

[0078] Furthermore, if a member store has previously created a specific coupon and is now attempting to create the same or a similar coupon, the processing unit 150 derives the CUI, CAM, and CUI×CAM using the coupon created in the past and the historical information 178 at that time. If the derived index is equal to or less than a preset threshold, the processing unit 150 may notify the member store or administrator that the index is low and provide suggestions for improvement.

[0079] The processing unit 150 calculates CUI×CAM using the CAM and CUI calculated as described above. Note that the above-described method for deriving CAM, CUI, and CUI×CAM is just an example, and each value may be calculated using another method.

[0080] Next, the processing unit 150 compares each of the CAM, CUI, and CUI×CAM with a reference value (S106). The reference value is a preset value. The reference value may be determined for each type, category, or size (e.g., number of stores) of the member store. The reference value may be determined, for example, by statistically processing the CAM, CUI, and CUI×CAM of coupons created to date. For example, the reference value may be the average value or median value of the CAM, CUI, and CUI×CAM of coupons created to date. The reference value may be determined, for example, based on the CAM, CUI, and CUI×CAM of coupons that have increased the member store's sales by a predetermined degree or more, among the CAM, CUI, and CUI×CAM of coupons created to date. For example, the reference value may be the average value or median value of the CAM, CUI, and CUI×CAM of coupons that have increased the member store's sales by a predetermined degree or more, or may be a value determined based on the average value or median value.

[0081] Next, the processing unit 150 makes a proposal to the affiliated store based on the result of the comparison in S106 (S108). For example, if the CAM is below a reference value, the processing unit 150 notifies the affiliated store that the coupon usage rate may be low, and proposes measures to improve the usage rate. Measures to improve the usage rate include, for example, increasing announcements, improving the value of coupons to users (improving the content of benefits, relaxing the conditions for granting coupons, relaxing the maximum number of uses, etc.), and making coupons easier to obtain. In this way, the processing unit 150 makes a proposal regarding benefits when the CAM (second evaluation index) does not satisfy the reference index. Interface screen IF1 in FIG. 22 is a diagram showing an example of an interface screen provided to the affiliated store.

[0082] For example, if the CIU is below a reference value, the processing unit 150 notifies the affiliated store that the coupon is difficult to use, or suggests measures to make the coupon easier to use. Measures to make the coupon easier to use include, for example, relaxing the conditions for coupon use or consulting with a sales representative. Thus, if the CUI (first evaluation index) does not satisfy the reference index, the processing unit 150 suggests relaxing the conditions for applying the benefit. The application conditions include the payment amount, the usable period, the maximum number of uses, and the upper limit of the amount to be awarded. The interface screen IF2 in FIG. 23 is a diagram showing an example of an interface screen provided to the affiliated store.

[0083] For example, if CIU×CAM is equal to or less than a reference value, the processing unit 150 notifies the affiliated store that the coupon has a low evaluation, or proposes measures to improve the coupon's evaluation. Measures to improve the coupon's evaluation include measures to increase the usage rate as described above, measures to make the coupon easier to use, and the like. In this way, if CIU×CAM (integrated evaluation index) does not satisfy the reference index, the processing unit 150 proposes relaxing the conditions for applying special offers and / or making announcements about special offers.

[0084] As described above, the payment server 100 compares the CUI, CAM, and CUI × CAM of a coupon with the reference values ​​and provides the member store with information based on the comparison results, thereby improving convenience for the member store. Furthermore, the member store can refer to the above information and provide more attractive coupons to users, thereby improving convenience for users.

[0085] For example, this embodiment provides coupon-related indices (CUI, CAM) from a perspective never before seen. These indices allow coupons to be accurately evaluated by taking into account the coupon restrictions and attractiveness, and reflecting the ease of coupon acquisition and use.

[0086] According to the embodiment described above, the payment server 100 performs calculations using the first payment amount of electronic payment for an electronic payment service at a member store for a specified period and the second payment amount of electronic payment from the first payment amount that is expected to meet the conditions for applying the target benefit, to derive a first evaluation index that indicates the ease of using the benefit, which is an evaluation index of the benefit, and displays the first evaluation index on the display unit of a terminal device related to the member store, thereby improving user convenience.

[0087] 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]

[0088] 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 Processing section 178 Historical Information 180 Coupon Information 182 Indicator information

Claims

1. a first payment amount of an electronic payment service at a member store for a predetermined period; an acquisition unit that acquires a second payment amount of electronic payment that is expected to satisfy one or both of the maximum number of uses and the minimum payment amount, which are conditions for applying the target benefit, from the first payment amount; deriving a first evaluation index, which is an evaluation index of a benefit and indicates ease of use of the benefit, by dividing the second payment amount by the first payment amount; a processing unit that displays the first evaluation index on a display unit of a terminal device related to the affiliated store; An information processing device comprising:

2. The acquisition unit A first payment amount of an electronic payment service at a member store during a predetermined period in the past; Conduct a simulation based on the payment history of the electronic payment for the specified period including the first payment amount and the target benefit, and obtain a second payment amount of the electronic payment that is expected to satisfy one or both of the maximum number of uses and the minimum payment amount, which are the application conditions for the target benefit that the affiliated store is trying to create, from the first payment amount; the processing unit derives a first evaluation index, which is an evaluation index of a benefit and indicates ease of use of the benefit, by dividing the second payment amount by the first payment amount; The information processing device according to claim 1 .

3. A second payment amount of electronic payment that is expected to satisfy one or both of the maximum number of uses and the minimum payment amount, which are the conditions for applying the target benefit, among the first payment amount of electronic payment for the electronic payment service at the affiliated store for a specified period; an acquisition unit that acquires a third payment amount of the first payment amount for which a benefit has actually been used; deriving a second evaluation index indicating a rate of use of the benefit by dividing the third payment amount by the second payment amount; a processing unit that displays the second evaluation index on a display unit of a terminal device related to the affiliated store; An information processing device comprising:

4. The acquisition unit A simulation is performed based on the payment history of the electronic payment, including the first payment amount of the electronic payment service at the affiliated store for a predetermined period in the past, and the target benefit, to determine a second payment amount of the electronic payment that is expected to satisfy one or both of the maximum number of uses and the minimum payment amount, which are the conditions for applying the target benefit, within the first payment amount; obtaining a third payment amount of the first payment amount that is estimated to be used for the benefit based on an index corresponding to the benefit and the second payment amount; the processing unit derives a second evaluation index indicating a utilization rate of the benefit, which is an evaluation index of the benefit, by dividing the third payment amount by the second payment amount; The information processing device according to claim 3 .

5. a first payment amount of an electronic payment service at a member store for a predetermined period; A second payment amount of the electronic payment that is expected to satisfy one or both of the maximum number of uses and the minimum payment amount, which are the conditions for applying the target benefit, among the first payment amount; an acquisition unit that acquires a third payment amount of the first payment amount for which a benefit has actually been used; deriving a first evaluation index, which is an evaluation index of a benefit and indicates ease of use of the benefit, by dividing the second payment amount by the first payment amount; deriving a second evaluation index indicating a rate of use of the benefit by dividing the third payment amount by the second payment amount; Derive an integrated evaluation index of the benefit, which is an evaluation index of the benefit obtained by multiplying the first evaluation index by the second evaluation index; a processing unit that displays the integrated evaluation index on a display unit of a terminal device related to the affiliated store; An information processing device comprising:

6. The acquisition unit A first payment amount of an electronic payment service at a member store during a predetermined period in the past; Conduct a simulation based on the payment history of the electronic payment for the specified period including the first payment amount and the target benefit, and obtain a second payment amount of the electronic payment that is expected to satisfy one or both of the maximum number of uses and the minimum payment amount, which are the application conditions for the target benefit that the affiliated store is trying to create, from the first payment amount; the processing unit derives a first evaluation index, which is an evaluation index of a benefit and indicates ease of use of the benefit, by dividing the second payment amount by the first payment amount; A second evaluation index indicating a utilization rate of the benefit, which is an evaluation index of the benefit, is derived by dividing a third payment amount based on an index corresponding to the benefit and the second payment amount, the third payment amount being the first payment amount estimated to be the amount for which the benefit will actually be utilized, by the second payment amount. The information processing device according to claim 5 .

7. the processing unit causes the display unit to display the requested evaluation index from among the first evaluation index, the second evaluation index, and the integrated evaluation index; The information processing device according to claim 5 .

8. the processing unit causes the display unit to display, in addition to the evaluation index, one or both of the first payment amount and a third payment amount of the first payment amount for which a benefit has actually been used; The information processing device according to claim 1 .

9. the processing unit causes the display unit to display the evaluation indexes for a predetermined or set period in chronological order. The information processing device according to claim 1 .

10. The processing unit If the evaluation index does not satisfy the reference index, notify the terminal device of a proposal for making the evaluation index satisfy the reference index based on proposal information including a preset proposal. The information processing device according to claim 1 .

11. The reference indicator is The payment history of merchants in the same industry as the merchant; Payment history of the same number of affiliated stores as the number of stores of the affiliated stores; and payment histories of affiliated stores in the same sales range as the sales of the affiliated store. The information processing device according to claim 10.

12. the processing unit proposes relaxing the conditions for applying the benefit when the first evaluation index does not satisfy a reference index.

3. The information processing device according to claim 1.

13. The application conditions include a payment amount, a usable period, a maximum number of uses, and an upper limit of the amount of points that can be awarded. The information processing device according to claim 12.

14. the processing unit causes the display unit to display information indicating an improvement degree of the first evaluation index, which changes in response to a change in the content of the item included in the application condition. The information processing device according to claim 13.

15. the processing unit suggests making a notification about the benefit when the second evaluation index does not satisfy a reference index.

5. The information processing device according to claim 3.

16. When the integrated evaluation index does not satisfy the reference index, the processing unit proposes to relax the conditions for applying the benefit and / or to make a notification regarding the benefit.

7. The information processing device according to claim 5 or 6.

17. The computer a first payment amount of an electronic payment service at a member store for a predetermined period; A second payment amount of the electronic payment is acquired from the first payment amount, which is assumed to satisfy one or both of the maximum number of uses and the minimum payment amount, which are the conditions for applying the target benefit; deriving a first evaluation index, which is an evaluation index of a benefit and indicates ease of use of the benefit, by dividing the second payment amount by the first payment amount; displaying the first evaluation index on a display unit of a terminal device related to the affiliated store; Information processing methods.

18. On the computer, a first payment amount of an electronic payment service at a member store for a predetermined period; a second payment amount of electronic payment that is expected to satisfy one or both of the maximum number of uses and the minimum payment amount, which are the conditions for applying the target benefit, from the first payment amount; deriving a first evaluation index, which is an evaluation index of a benefit and indicates ease of use of the benefit, by dividing the second payment amount by the first payment amount; displaying the first evaluation index on a display unit of a terminal device related to the affiliated store; program.

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