Point program operating system, point program operating method, and computer program

Abstract

To provide a point program operation system, a point program operation method, and a program.SOLUTION: The point program operation method includes causing one or more service servers to: grant a customer points corresponding to the payment amount in response to one payment transaction; identify, among multiple benefits for which the points can be redeemed, one or more candidate benefits as candidates for which the points granted by the one payment transaction are redeemed; transmit payment information for displaying a payment completion screen that indicates the result of the one payment transaction, where the payment completion screen includes items of the one or more candidate benefits; and, when at least one of the items of the one or more candidate benefits is selected on the payment completion screen, execute a benefit redemption process in which the points granted in the one payment transaction are redeemed for the benefit corresponding to the selected item.SELECTED DRAWING: Figure 1

Description

Technical Field

[0001] The present disclosure relates to an operation system for a point program, an operation method for a point program, and a computer program.

Background Art

[0002] An operator who operates a store or an EC site may give points corresponding to the transaction amount to customers in order to improve the customers' purchase intention or promote continuous use, and provide benefits corresponding to the number of points to the customers. In this way, a loyalty program that provides benefits according to the number of points is generally called a "point program". In recent years, a multi-point program in which multiple companies operate common points has also been provided.

[0003] "Points" represent a unit that mediates the exchange for benefits. After customers save the acquired points, they can exchange them for benefits that promote customer loyalty, such as discount services for purchasing goods or special novelty items.

[0004] When a point program sets a ratio for converting points into a monetary value, customers can select a benefit corresponding to the converted amount and exchange it for the points saved so far. The benefits that can be exchanged with points are diversifying year by year. For example, Patent Document 1 discloses investment items such as foreign exchange, stocks, horse racing tickets, or lottery tickets as examples of benefits that can be exchanged with points.

Prior Art Documents

Patent Documents

[0005]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0006] To receive rewards, customers need to consider the number of points required, choose their desired reward from a variety of options, and go through the redemption process. Therefore, as the number of reward options increases, the process for customers to obtain rewards becomes more complex, which presents a challenge.

[0007] This disclosure aims to provide a points program operating system, a points program operating method, and a computer program that can improve the convenience of exchanging points for rewards. [Means for solving the problem]

[0008] A point program operating system according to one aspect of the present disclosure includes: a point granting unit configured to grant points to a customer in accordance with a payment amount in conjunction with a payment process; a selection unit configured to identify one or more candidate benefits from among a plurality of benefits redeemable for points as candidates to be redeemed for the points granted in the payment process; a transmission unit configured to transmit payment information for displaying a payment completion screen showing the result of the payment process, wherein the payment completion screen includes the items of the one or more candidate benefits; and a redemption unit configured to perform a benefit redemption process to redeem the points granted in the payment process for the benefit related to the selected item when at least one of the items of the one or more candidate benefits is selected on the payment completion screen.

[0009] A point program operating system according to one aspect of the present disclosure comprises one or more service servers, at least one of the one or more service servers configured to award points to a customer in accordance with a payment amount in connection with a payment process, at least one of the one or more service servers configured to identify one or more candidate benefits from among a plurality of benefits redeemable for points as candidates to be redeemed for the points awarded in the payment process, at least one of the one or more service servers configured to transmit payment information for displaying a payment completion screen showing the result of the payment process, the payment completion screen includes the items of the one or more candidate benefits, and at least one of the one or more service servers is configured to perform a benefit redemption process to redeem the points awarded in the payment process for the benefit related to the selected item when at least one of the items of the one or more candidate benefits is selected on the payment completion screen.

[0010] An operational method relating to one aspect of this disclosure includes, in conjunction with a single payment process, granting points to a customer in accordance with the payment amount, identifying one or more candidate benefits from among a plurality of benefits redeemable for points as candidates to be redeemed for the points granted in the single payment process, and transmitting payment information to display a payment completion screen showing the result of the single payment process, wherein the payment completion screen includes the items of the one or more candidate benefits, and, if at least one of the items of the one or more candidate benefits is selected on the payment completion screen, performing a benefit redemption process to redeem the points granted in the single payment process for the benefit related to the selected item.

[0011] A computer program according to one aspect of the present disclosure is a computer program that causes a computer to display a screen for a single payment process, and to display a payment completion screen indicating the result of the single payment process, wherein the payment completion screen includes one or more candidate reward items, and the one or more candidate rewards are candidates for rewards that can be exchanged for points awarded in connection with the single payment process, and, when at least one of the one or more candidate reward items is selected on the payment completion screen, causes the computer to send a reward exchange instruction to exchange the points awarded in the single payment process for the reward related to the selected item. [Brief explanation of the drawing]

[0012] [Figure 1] Figure 1 is a schematic diagram showing the configuration of the operating system according to the embodiment. [Figure 2] Figure 2 is a block diagram illustrating the electrical configuration of the devices that make up the operating system shown in Figure 1. [Figure 3] Figure 3 illustrates a portion of the payment completion screen displayed on the customer's terminal. [Figure 4] Figure 4 illustrates a customer terminal displaying a payment completion screen that includes multiple candidate reward items. [Figure 5] Figure 5 illustrates a customer terminal displaying a payment completion screen that includes the selected reward item. [Figure 6] Figure 6 is a flowchart illustrating the redemption process from the payment screen. [Modes for carrying out the invention]

[0013] The following describes examples of a points program operating system, a points program operating method, and a computer program with reference to Figures 1 to 6. The present invention is not limited to these examples, and is intended to include all modifications within the meaning and scope of equivalence to the claims, in addition to the content set forth in the claims.

[0014] [Overview of the points program] As shown in Figure 1, the operating system 11 includes one or more service servers 12 to implement multiple management functions. The one or more service servers 12 are configured to award points and redeem points for rewards. The various management functions of the operating system 11, such as awarding points and redeeming rewards, may be implemented by one service server 12 or by multiple service servers 12.

[0015] Multiple rewards include fixed-value rewards, which have a specified number of points required for redemption, and pay-per-use rewards, which do not have a specified number of points required for redemption. An example of a fixed-value reward is a novelty item that can be redeemed for a specific number of points, while an example of a pay-per-use reward is a discount service that allows any number of points to be used for a discount on goods or services.

[0016] A points program may be a multi-points program in which multiple businesses award common points or multiple organizations provide benefits, or it may be a points program in which a single business provides both points and benefits. In a multi-points program, the same business may award points and provide benefits, or there may be businesses or organizations that award points only or provide benefits only.

[0017] Consumers who register for a points program are referred to as customers. In this example, for convenience, the loyalty program that provides benefits to customers is called a "points program," and the amount of points accumulated is expressed as a number of points. However, the unit of exchange for benefits is not limited to "points," and can be replaced with any other name, such as "miles," "money," "coins," "dollars," "stamps," or "cash."

[0018] Customers can exchange the points they have earned for various benefits. For fixed benefits such as novelty items, the number of points required for exchange is set by the point program. The benefits include, but are not limited to, financial products such as foreign exchange, stocks, and investment trusts. Examples of service fees that can be benefits are electricity bills, gas bills, insurance premiums, rental fees for vehicles, etc., or donations, but are not limited to these.

[0019] The point program may be linked to an electronic payment service. For example, at least one of the one or more service servers 12 may be configured to provide an electronic payment service. The one or more service servers 12 may include one or more point service servers that provide point services such as point awarding and exchange for benefits, and one or more settlement servers that provide an electronic payment service.

[0020] However, from the customer's perspective, it is in the form that the business operator, including the store that receives payment from the customer, conducts the electronic payment or awards points along with the electronic payment. Therefore, the business operator who operates the settlement terminal 14 or receives the settlement amount may be referred to as the settler, or it may be said that "the business operator awards points".

[0021] On the customer terminal 15 used by the customer who uses the electronic payment service, a settlement application for making electronic payments may be installed. On the customer terminal 15, a point management application for managing points may be installed. The settlement application may be linked to the point program. These applications include computer programs for causing the customer terminal 15, which is a computer, to execute predetermined operations.

[0022] Customers can earn points based on the payment amount when they make payments using the payment application, i.e., electronic payments. Customers can use the points management application to, for example, check their point balance, check their point acquisition history, redeem points for rewards, and check their point redemption history.

[0023] The operating system 11 may include one or more databases 13. One or more databases 13 may include data on multiple customers, multiple payers, and multiple rewards participating in the points program. One or more databases 13 may include multiple databases, such as a customer database, a payment database, and a rewards database. Alternatively, database 13 may be a database that integrates multiple databases, such as a customer database, a payment database, and a rewards database.

[0024] The customer database stores customer data for each of the multiple customers registered in the points program. The customer database may also include customer identification information, points balance, point acquisition history, and point redemption history for each customer. The customer database may also include usage history of electronic payment services.

[0025] The payment database stores payer data for each of the multiple businesses (payers) that have joined the points program. The payer data may include business identification information, information about the business, point issuance history, and payment history for each business. Business identification information may include store identification information, or store identification information may be substituted. Information about the business may include, but is not limited to, the name of the business or store, address, related organizations or related businesses of the business, the business content of the business, identification information of the business or payment terminal 14, and location information of the payment terminal 14.

[0026] The rewards database stores rewards data relating to multiple rewards and rewards provider data relating to each of the multiple organizations that provide those rewards. The rewards provider data may include, for each organization providing a reward, organization identification information, a list of the rewards it provides, a history of the rewards provided, and information relating to the organization. Information relating to the organization may include, but is not limited to, the organization's name, location, area of ​​activity, related organizations or businesses, the organization's activities, the type of activities, identification information for the rewards server 16, and location information for the rewards server 16.

[0027] The service server 12 may include part or all of the database 13, or it may be able to access the database 13 through the network 17. The service server 12 can communicate with multiple payment terminals 14 and multiple customer terminals 15 through the network 17. The service server 12 may also be able to communicate with multiple reward servers 16 through the network 17.

[0028] Network 17 includes, for example, the Internet, WAN (Wide Area Network), LAN (Local Area Network), provider terminals, wireless communication networks, wireless base stations, dedicated lines, etc. Not all combinations of devices shown in Figure 1 need to be able to communicate with each other, and Network 17 may include some local networks.

[0029] Each payment terminal 14 is operated by a business (payer) participating in the points program. The payment terminal 14 may be installed in a store, or it may be mounted on a mobile vehicle such as a taxi or mobile sales vehicle. The location information of the payment terminal 14 mounted on a mobile vehicle may be stored in a database 13 as a representative location or range, or information obtained by GPS may be used, for example. Each payment terminal 14 may be a POS (Point of Sales) register, or it may be a portable device such as a PC or tablet with an application configured for payment processing installed. Payments made by the payment terminal 14 may be mobile payments or code payments made via a customer terminal 15.

[0030] Each reward server 16 is managed by an organization participating in the points program as a reward provider. The reward provider may be, for example, a store or business that manages a payment terminal 14, or it may be a for-profit or non-profit organization that provides only rewards without handling payments associated with the sale of goods. For example, if the reward is an investment product such as stocks or mutual funds, the reward provider may be a mutual fund distributor or securities company. Customers who choose investment products as rewards should open an account with the distributor of those investment products in advance.

[0031] [Server and terminal configuration] Figure 2 shows the basic configuration of a computer, which is an example of servers 12, 16 and terminals 14, 15. In this example, a mobile terminal such as a smartphone or tablet is also an example of a computer. The computer comprises, for example, one or more processors 31, one or more memories 32, and a communication interface 33. The computer may further have an input device 34 and a display 35. The one or more processors 31, one or more memories 32, the communication interface 33, the input device 34, and the display 35 are connected to each other by a communication bus 36. The configurations of servers 12, 16 and terminals 14, 15 may differ from each other.

[0032] One or more processors 31 are, for example, processing circuits configured to execute various software processes. The processing circuit may include dedicated hardware circuits (e.g., ASICs) that process at least a portion of the software processing. In other words, the software processing can be performed by a processing circuitry comprising at least one of one or more software processing circuits and one or more dedicated hardware circuits.

[0033] One or more processors 31 are, for example, a CPU (Central Processing Unit), a GPU (Graphics Processing Unit), an MPU (Micro Processor Unit), an FPGA (Field-Programmable Gate Array), or other arithmetic units. The processors 31 execute a series of instructions contained in the computer program stored in the memory 32 in response to a given signal or when a predetermined condition is met.

[0034] One or more memory units 32 may include, for example, RAM (Random Access Memory) or other volatile memory. Memory units 32 may be configured to temporarily store programs and data. One or more memory units 32 may also include storage for permanently storing data, including programs. Programs include applications and operating systems. Storage may be, for example, ROM (Read-Only Memory), a hard disk drive, flash memory, or other non-volatile storage devices. Storage may be removable storage devices, such as memory cards. At least some of the data, including applications used by servers 12, 16 and terminals 14, 15, may be stored on a cloud server that can communicate via the network 17.

[0035] The communication IF 33 is configured to connect to the network 17. The communication IF 33 is configured to communicate with other devices connected to the network 17. The communication IF 33 is implemented, for example, as a LAN or other wired communication IF. The communication IF 33 may also be implemented as, for example, Wi-Fi®, Bluetooth®, or other wireless communication IF, but is not limited to these.

[0036] The input device 34 may be, for example, a keyboard and mouse, and may also include buttons, keys, switches, a touchpad, or a microphone. The display 35 may be, for example, a liquid crystal monitor or an organic EL (Electro Luminescence) monitor, or a touchscreen having a touch panel that also functions as the input device 34.

[0037] [Integration of electronic payments and point programs] One or more service servers 12 are configured to perform payment processing, point accrual processing, and point redemption processing. Below, we will describe a code payment service, which is an example of an electronic payment service, and the point accrual processing and point redemption processing that are performed in conjunction with the payment processing.

[0038] Code payment may be a store scan method in which the payment terminal 14 reads the customer code displayed on the screen of the customer terminal 15, or a user scan method in which the customer terminal 15 reads the store code presented by the business operator. The store code is linked to business operator identification information that indicates the business operator participating in the points program. The code may be, for example, a QR code (registered trademark) or a barcode.

[0039] The customer code is linked to customer identification information. The customer code is displayed on the display 35 of the customer terminal 15 by the operation of the payment application. This screen displaying the customer code is an example of a screen for electronic payment in the store scan method. In the user scan method, the operation of the payment application displays a reading screen for reading the store code presented by the business operator on the display 35 of the customer terminal 15. This reading screen is the screen for electronic payment in the user scan method. In the user scan method, the payer may use a printed document with the store code printed on it instead of the payment terminal 14 to handle electronic payments.

[0040] After the code is read, a payment screen is displayed on the display 35 of the payment terminal 14 or customer terminal 15. The payment screen may also display an input field for the number of points to use, in order to use points for part or all of the payment amount. Whether or not to use points for payment may be set in advance using a points management application.

[0041] After the payment screen is filled in with information including the payment amount and the number of points to be used, and the payment details are confirmed, the payment information is transmitted from the payment terminal 14 or customer terminal 15 to the service server 12. The payment information includes customer identification information, business identification information (store identification information), payment amount, and, if points are used, the number of points to be used. The payment information may also include transaction information related to the payment, such as information about the purchased goods. Upon receiving the payment information, the service server 12 performs the payment processing.

[0042] The service server 12 performs point awarding processing after payment processing. More specifically, the service server 12 updates the database 13 to award points to the customer who made the payment, according to the provisions of the points program, based on the payment amount. Depending on the content or method of payment, the points may be awarded immediately or after a specified period.

[0043] As shown in Figure 3, after processing the payment, the payment application displays a payment completion screen 20 on the display 35 of the customer terminal 15. The payment application may also display the number of points earned or expected to be earned in that payment on the payment completion screen 20. If the customer uses points to pay for part or all of the payment amount, for example, the payment application may also display the number of points used on the payment completion screen 20.

[0044] [Reward redemption using a points management application] When a customer wants to redeem accumulated points for a specific reward, they use a points management application to select the desired reward from several options. The points management application sends the selection result to the service server 12. Upon receiving the information about the selected reward, the service server 12 performs the reward redemption process.

[0045] More specifically, the service server 12 sends a redemption request to the reward server 16, which is managed by the organization providing the selected reward. The redemption request includes, for example, the name and quantity of the reward, as well as the customer identification information of the customer who wishes to redeem it. Based on the received redemption request, the reward server 16 processes the request to provide the reward to the corresponding customer.

[0046] As part of the reward redemption process, the service server 12 subtracts the number of points to be used for redemption from the number of points held in the customer database. The service server 12 stores the redemption date and time, the number of points used for redemption, and the item of the redeemed reward in the customer database. Once the reward redemption process is complete, the service server 12 may send redemption completion information to the customer terminal 15. The redemption completion information may include information such as the item and quantity of the redeemed reward, the redemption date and time, or the provider of the reward. The redemption completion information may be displayed on the customer terminal 15 as a redemption completion screen, for example, by a points management application.

[0047] [Reward redemption using a payment application] The service server 12 may be configured to perform reward redemption processing triggered by the customer's operation of the payment application. In this case, the customer operates the payment application instead of the points management application to issue instructions for redeeming points for rewards. Unlike the points management application, the payment application may provide limited point redemption functionality. For example, the payment application may be configured to redeem points awarded in connection with a single payment process for rewards within a series of steps of that payment process.

[0048] As shown in Figures 4 and 5, the payment application may display one or more candidate reward items as options that can be exchanged for the points awarded in a single payment process on the payment completion screen 20 of that payment process. The payment application may also be configured to accept only the redemption of rewards related to the displayed items.

[0049] The service server 12 awards points to the customer in accordance with the payment amount for each payment transaction. Subsequently, the service server 12 identifies one or more candidate rewards from among several rewards redeemable for the points awarded in this payment transaction as candidates for redemption. The service server 12 then sends payment completion information to the customer terminal 15 in order to display a payment completion screen 20 showing the result of the payment transaction. The payment completion information includes, for example, the identification information of the business receiving the payment amount (store identification information), the date and time of payment, the payment amount, the number of points used in the payment, the number of points earned or expected to be earned in that payment, and information relating to each of the one or more candidate rewards.

[0050] Upon receiving payment completion information, the customer terminal 15 displays a payment completion screen 20 containing one or more candidate reward items. The payment completion screen 20 may also include a selection box 21 displaying one or more candidate reward items. The selection box 21 may be displayed as a pop-up window overlaid on the payment completion screen 20, or it may be displayed on the payment completion screen 20 as a separate box alongside the payment amount display box. Each candidate reward item may be displayed as a selection button 22 within the selection box 21.

[0051] When a customer clicks one of the selection buttons 22, the item displayed on that button 22 is selected. When the customer selects one of the one or more candidate reward items on the payment completion screen 20, the service server 12 performs a reward redemption process to exchange the points awarded in one payment process for the reward related to the selected item. In other words, the points awarded in one payment process are used to redeem rewards immediately from the payment completion screen 20 without transitioning to another application or screen.

[0052] Thus, exchanging points earned through a payment for rewards from the payment completion screen 20 is called "redemption from the payment screen." If the customer closes the selection box 21 (for example, a pop-up window) or the payment completion screen 20 without selecting a selection button 22, the payment application terminates the point awarding process without performing the redemption from the payment screen.

[0053] The service server 12 may be configured to accept registrations from each customer of one or more reward items that the customer wishes to redeem in the future. Rewards pre-registered by customers in this manner are called designated rewards, and the items of the pre-registered rewards are called designated reward items. For example, when a points management application receives registrations of one or more designated reward items on a reward selection screen (not shown), it sends those one or more designated reward items to the service server 12. The service server 12 registers the received one or more designated reward items as data for the corresponding customer in the customer database.

[0054] The service server 12 may identify one or more designated benefits pre-registered by each customer as one or more candidate benefits for that customer. If multiple designated benefit items are registered, their priority order may also be registered. If multiple designated benefit items are registered, the designated benefit items may be displayed in the selection box 21 according to the registered priority order.

[0055] The service server 12 may be configured to accept registration of one or more candidate benefits to be displayed in the selection box 21 from the business that receives the payment amount. Benefits pre-registered by the business in this way are called recommended benefits, and the items of the pre-registered benefits are called recommended benefit items. One or more recommended benefit items are registered in the payment database as data for the corresponding business.

[0056] The service server 12 may identify one or more recommended benefits pre-registered by each business as one or more candidate benefits for the payment processing handled by that business. If multiple recommended benefit items are registered, their priority order may also be registered. If multiple recommended benefit items are registered, the recommended benefit items may be displayed in the selection box 21 according to the registered priority order.

[0057] The service server 12 may identify at least one of one or more candidate rewards that can be redeemed with the number of points awarded in a single payment process. This identification of candidate rewards based on the number of redeemable points may be applied to designated rewards, recommended rewards, or other rewards. Furthermore, the candidate rewards identified based on this point condition may be fixed-amount rewards with a specified number of points required for redemption, or pay-per-use rewards with a specified minimum number of points required for redemption. For example, if the points program stipulates that 1 point = 1 yen, and the minimum donation amount is 100 yen = 100 points, then on the payment completion screen 20 of a payment process that awards 100 points or more, that donation will be displayed as a candidate reward.

[0058] When redeeming points for usage-based rewards, the system may be configured to use all points awarded in a single payment transaction for the redemption. Alternatively, an input field may be provided on the payment completion screen 20 that allows the user to arbitrarily enter the number of points awarded in a single payment transaction, enabling the user to use any number of points for the redemption. In addition, a predetermined number of points, such as 100 points at a time, may be used for the redemption.

[0059] If the candidate reward is a financial product such as an investment trust, the payment application may display the reward item in selection box 21 if the number of points earned in a single transaction reaches the number of points required for purchase (the net asset value when converted to cash). In other words, even if a reward is registered as a designated reward item, the payment application does not need to display the designated reward item in selection box 21 if the points earned are not sufficient to redeem it from the payment screen. As a similar example, in the case of a reward such as a lottery or coupon for a group purchase, the payment application may display the reward item in selection box 21 if the purchase conditions, such as the number of purchases, are met and it becomes redeemable.

[0060] If a single payment transaction is performed via a payment terminal 14 and a customer terminal 15, the service server 12 may identify one or more candidate benefits based on information from at least one of the payment terminal 14 or the business operator operating the payment terminal 14. In this case, the candidate benefits do not have to be pre-registered benefits. For example, if shares of the business operator receiving the payment amount or its affiliated business operator are offered as a benefit, the service server 12 may identify an investment product in that business operator or its affiliated business operator as at least one of the one or more candidate benefits.

[0061] As shown in Figure 4, one or more candidate reward items may include multiple candidate reward items. Furthermore, multiple candidate rewards may include at least one of either a reward that is a donation or a reward that is an investment product. This is because if the donation or investment product is a pay-per-use reward, it can be redeemed for any number of points.

[0062] If multiple selection buttons 22 are displayed in the selection frame 21, each of the selection buttons 22 may be accompanied by a type mark 23 (23a, 23b, 23c) indicating the type of reward associated with it. The type mark 23 may include, but is not limited to, a combined mark 23a indicating that the reward can be redeemed by combining the points held, a designated mark 23b indicating that it is a designated reward, or a recommended mark 23c indicating that it is a recommended reward.

[0063] As shown in Figure 5, if at least one of the one or more candidate rewards is an investment product, the payment completion screen 20 may display a graph 24 showing the market trend for that investment product. The graph 24 may have hyperlinks to display more detailed information or an enlarged graph.

[0064] If one or more candidate rewards include multiple investment products, Graph 24 may be displayed for all investment products, or, depending on the display space, Graph 24 may be displayed for only one specific investment product. In this case, the payment application may, for example, display Graph 24 for pre-registered, high-priority designated rewards or recommended rewards.

[0065] One or more candidate benefits may include one or more related benefits. Related benefits refer to benefits related to the business receiving the payment amount or the goods or services traded in the payment process. One or more related benefits may include one or more benefits belonging to the same or related field as the business's industry, or one or more benefits belonging to the same or related field as the goods or services traded in the payment process. One or more related benefits may be recommended benefits pre-registered by the business, or they may be identified by the service server 12 at any time (for example, each time a payment is made).

[0066] For example, if the business deals in organic food, relevant benefits might include investment products in companies that handle animal-free products or sustainable materials, or donations to nature conservation or animal welfare. If the traded goods are health foods, health equipment, or pharmaceuticals, relevant benefits might include investment products in companies that manufacture or sell pharmaceuticals, or donations to domestic or international medical support activities.

[0067] For example, products or services that fall into the same category on one or more e-commerce sites are likely to belong to the same or related fields. Furthermore, products or services that use the same or similar keywords on one or more e-commerce sites are likely to belong to the same or related fields. Alternatively, products or services that share a concept or theme such as "international cooperation" or "SDGs" are likely to belong to the same or related fields. These concepts or themes may coincide with themes adopted in thematic investing, where stocks are selected based on socially relevant themes such as "deoxygenation," "sustainability," or "diversity."

[0068] The service server 12 may be configured to accept registrations from each customer for themes, concepts, fields, or types related to the identification of related benefits, in lieu of or in addition to one or more designated benefits. Examples of themes, concepts, or fields that can be registered are "SDGs," "nature conservation," "international cooperation," or "support for children," and examples of types that can be registered are "donations" or "small investments." This makes it possible for the service server 12 to recommend benefits related to organizations or businesses that the customer is unaware of, but which are related to fields that the customer is interested in.

[0069] The service server 12 may identify at least one of one or more candidate rewards based on the location information of the payment terminal 14 or the location of the business operator. For example, if the location information of the payment terminal 14 or the location of the business operator is Tokyo, the service server 12 may identify donations to Tokyo or organizations operating in Tokyo as a candidate reward. Alternatively, if the location information of the payment terminal 14 or the location of the business operator is a regional city or metropolitan area, the service server 12 may identify investment products in businesses located in that regional city or metropolitan area as a candidate reward.

[0070] In the case of pay-per-use rewards, points earned in a single transaction can be exchanged for rewards without being combined with existing points. Therefore, if a candidate reward item for pay-per-use rewards is displayed on the payment completion screen 20, all points earned in that transaction may be used to redeem the reward. For example, if the selected reward is a donation, all points earned in a single transaction will be exchanged for a donation and donated to the organization providing the reward via the service server 12 and the reward server 16. Alternatively, on the payment completion screen 20, a portion of the points earned in a single transaction may be used to redeem a reward (e.g., a donation).

[0071] In the case of fixed-amount rewards, the points earned in a single transaction may be added to the total points held, and if the number of points required to redeem the reward reaches that amount, the designated reward item may be displayed. More specifically, if the number of points awarded in a single transaction is insufficient to redeem the reward selected on the transaction completion screen 20 showing the result of that transaction, the service server 12 reserves the points awarded in the transaction for redemption with the selected reward. It is advisable to count the reserved points separately from other accumulated points for which no redemption destination has been specified.

[0072] Then, after the first payment processing, if the reward selected on another payment completion screen 20 showing the result of another payment processing is the same as the reward selected on the previous payment completion screen 20, and the total number of points obtained by adding the number of points awarded in the other (current) payment processing and the number of points saved is sufficient to redeem the selected reward, then the reward redemption process is performed. This process of redeeming rewards from the payment screen by adding the number of points awarded in the current payment processing to the number of points reserved is called "redemption using combined points".

[0073] [Various processes related to redemption from the payment screen] Referring to Figure 6, the payment processing, point accrual processing, and reward redemption processing related to redemption from the payment screen will be explained. Here, an example of code payment using the store scan method via the customer terminal 15 and payment terminal 14 will be used for explanation. The processing of the service server 12 is shown in steps S21 to S26, the processing of the payment terminal 14 is shown in steps S41 and S42, and the processing of the customer terminal 15 is shown in steps S51 to S55.

[0074] First, in step S51, the customer operates the payment application to display their payment code on the display 35 of the customer terminal 15. In step S41, the business operator uses the payment terminal 14 to read the payment code presented by the customer. Next, in step S42, the business operator enters the payment amount into the payment terminal 14 to confirm the payment process. As a result, payment information is transmitted from the payment terminal 14 to the service server 12. The payment information includes at least the customer identification information read from the payment code, the business operator identification information (store identification information) sent from the payment terminal 14, and the payment amount.

[0075] When the service server 12 receives payment information, it performs payment processing in step S21. The payment processing is performed based on the payment amount, customer identification information, and business identification information (store identification information). In the following step S22, the service server 12 awards points to the customer who made the payment, corresponding to the payment amount (point awarding process). Furthermore, in step S23, the service server 12 identifies one or more candidate benefits from among several benefits that can be exchanged for points, as candidates that can be exchanged for the points awarded in this payment processing (candidate benefit identification process).

[0076] In step S24, the service server 12 sends payment information to the customer terminal 15 to display a payment completion screen 20 showing the result of the payment processing (sending payment information). The payment information includes payment completion information and candidate reward information identified in step S23. The payment completion information includes at least the business operator's identification information (store identification information) and the payment amount.

[0077] When the customer terminal 15 receives payment information, in step S52, the payment application displays a payment completion screen 20 on the customer terminal 15's display 35. This payment completion screen 20 includes a selection box 21 displaying one or more candidate reward items. The selection box 21 includes one or more selection buttons 22. Each selection button 22 displays a candidate reward item.

[0078] In step S53, the customer performs a reward redemption operation. The reward redemption operation involves selecting one of one or more candidate reward items by, for example, tapping the selection button 22 on the payment completion screen 20. In the following step S54, the payment application causes the customer terminal 15 to send a reward redemption instruction along with information about the selected reward to the service server 12.

[0079] In step S25, the service server 12 performs a reward redemption process to exchange the points awarded in the payment process for the selected reward. In the following step S26, the service server 12 sends redemption completion information to the customer terminal 15. The redemption completion information includes, for example, the number of points used to redeem the reward and information about the redeemed reward.

[0080] When the customer terminal 15 receives the redemption completion information, in step S55, the payment application displays the redemption completion information on the customer terminal 15's display 35. This completes the redemption from the payment screen.

[0081] [Effects of this disclosure] By displaying potential rewards on the payment completion screen 20, customers can redeem points earned through payment for rewards without having to launch a points management application. This redemption method from the payment screen allows customers to receive rewards in a single transaction, even without accumulating points, making it particularly effective in helping customers who have recently registered for the points program to experience its benefits.

[0082] With electronic payments, the payment process is completed in just a few steps, such as displaying and scanning a code, entering the payment amount, and confirming the payment result. Customers who use such electronic payments are likely to value fewer steps and intuitive operation. Therefore, the redemption method disclosed in this disclosure, which allows customers to quickly redeem points earned from a payment from the payment completion screen 20, is superior in terms of fewer steps and intuitive operation. Furthermore, the convenience of redeeming points for rewards can be improved by allowing customers to pre-register their preferred rewards from a diverse range of rewards that reflect various values, or by receiving suggestions for recommended rewards from businesses.

[0083] For example, if the candidate reward is a designated reward, the customer can select a reward on the payment completion screen 20 without having to decide which reward to redeem after payment. On the other hand, if the candidate reward is a reward determined or recommended by the service server 12, the customer can be informed that there are a variety of rewards available. Therefore, even if the customer does not redeem a reward from the payment screen, it can be expected to have a promotional effect by increasing the likelihood that the candidate reward displayed on the payment completion screen 20 will be selected later. This is advantageous for the business as it leads to increased customer loyalty to the business that made the payment.

[0084] Even if the number of points earned per transaction is small, if the reward is, for example, a donation, customers can redeem it with the same ease as putting their change into a donation box at the checkout counter. Furthermore, even customers unfamiliar with investing are expected to feel less psychologically resistant to redeeming small amounts of points for investment products than to using actual money. Therefore, it is also beneficial for organizations soliciting donations or companies dealing in investment products to offer rewards.

[0085] [Effects of this disclosure] According to this disclosure, the following effects can be achieved. (1) Customers can exchange the points awarded during the payment process for rewards by selecting a candidate reward on the payment completion screen 20. This improves the convenience of exchanging points for rewards.

[0086] (2) The designated reward that was pre-registered is displayed on the payment completion screen 20, allowing customers to quickly select a reward when performing a payment process, such as when paying at the register. In particular, if all points awarded in a single payment transaction can be used for redemption, the reward redemption process can be completed with a single click, which is highly convenient for customers.

[0087] (3) When one or more candidate benefits are identified based on information from the payment terminal 14 or at least one of the businesses, the benefits that are advantageous to the business can be recommended to the customer as candidate benefits. This makes it possible to increase customer loyalty to the business that made the payment. Also, for the customer, making a payment means that they are interested in the goods, services, or business related to that transaction, so the benefits recommended by the business are likely to be attractive.

[0088] (4) By using recommended benefits pre-registered by the business as candidate benefits, it becomes possible to increase customer loyalty to that business. Also, for customers, processing a payment means that they are interested in the product, service, or business related to that transaction, so the benefits recommended by the business are likely to be attractive.

[0089] (5) Related benefits are benefits related to the goods, services, or businesses involved in the payment processing. Therefore, by including related benefits as candidate benefits, it becomes possible to recommend benefits that are of high interest to the customer.

[0090] (6) The location information of the payment terminal 14 or the business operator's location is highly likely to overlap with the customer's living area. And, generally, customers are interested in businesses or organizations located in their own living area. Therefore, by identifying candidate benefits based on the location information of the payment terminal 14 or the business operator's location, it becomes possible to recommend benefits that are of high interest to the customer.

[0091] (7) Customers who have transacted with a particular business are likely to be interested in that business's business, products, or services. Therefore, by offering investment products in that business or its affiliated businesses as potential perks, it becomes possible to recommend perks that are of high interest to the customer. Furthermore, it becomes possible to increase customer loyalty to the business with which the payment was made.

[0092] (8) On the payment completion screen 20, a graph 24 showing the market trend of the investment product is displayed along with the candidate reward, which is the investment product. This provides customers with information to help them decide whether or not to redeem their points for the investment product. This improves the convenience of redeeming points for rewards.

[0093] (9) By selecting rewards that can be redeemed with the number of points awarded in a single transaction as candidate rewards, it is possible to recommend rewards that can be redeemed immediately to customers. This improves the convenience of redeeming points for rewards.

[0094] (10) When redeeming points using a combined point system, customers can redeem points as soon as they have accumulated the required number of points, without having to check the number of points already earned in the points management application. This improves the convenience of redeeming points for rewards.

[0095] (11) Donations and investment products are easy to set up as pay-per-use rewards that can be redeemed for any number of points. Even if the number of points awarded in a single transaction is insufficient to redeem for a fixed-amount reward, for example, pay-per-use rewards can be redeemed regardless of the payment amount or the number of points earned. For this reason, donations and investment products are suitable as rewards that allow customers to use up all the points awarded in a single transaction.

[0096] (12) The service server 12 can process payments based on the payment amount, customer identification information, and business identification information. The service server 12 can also send candidate reward information to the customer terminal 15, which can display one or more candidate reward items on the display 35 of the customer terminal 15.

[0097] This embodiment can be implemented with the following modifications. This embodiment and the following modifications can be combined with each other to the extent that they do not contradict each other technically. [Example of change 1] The operating system 11 may be a single management device, such as a single computer or a single server. In this case, the computer or server may include a database 13. This computer or server may have a configuration similar to the computer shown in Figure 2.

[0098] [Example of change 2] The operating system 11 includes one or more service servers 12, At least one of the one or more service servers may be a point awarding unit. At least one of the one or more service servers may be a specific unit. At least one of the one or more service servers may be a transmission unit. At least one of the one or more service servers mentioned above may be a redemption unit.

[0099] The point awarding unit, the identification unit, the transmission unit, and the redemption unit may each be separate service servers, or some of them may be shared by a single service server. [Example of change 3] If the administrator of service server 12 and the administrator of reward server 16 are the same person, the operating system 11 may include reward server 16. If the administrator of service server 12 and the administrator of payment terminal 14 are the same person, the operating system 11 may include payment terminal 14.

[0100] [Example of change 4] Multiple selection buttons 22 may be selectable on the payment completion screen 20. For example, the selection buttons 22 may be in the form of checkboxes, or input fields for the number of points or allocation percentage to be assigned to each reward may be displayed on the payment completion screen 20.

[0101] [Example of change 5] The payment application may also incorporate the functionality of a points management application. The computer program relating to this disclosure is not limited to that included in the payment application installed on the customer terminal 15, but may also be a program for processing payments, awarding points, and redeeming rewards on a website. In this case, "a screen for processing a payment" may be a screen for making a payment.

[0102] The following lists the aspects that can be understood from the above embodiments and modified examples. [1] A point awarding unit configured to award points to the customer in accordance with the payment amount in conjunction with a single payment transaction, An identification unit is configured to identify one or more candidate benefits from among multiple benefits redeemable for points, as candidates to be redeemed for the points granted in the aforementioned payment process. A transmitting unit configured to transmit payment information for displaying a payment completion screen showing the result of the aforementioned payment processing, wherein the payment completion screen includes the items of the one or more candidate rewards, A redemption unit is configured to perform a redemption process to exchange the points awarded in the first payment process for the redemption item related to the selected item when at least one of the one or more candidate reward items is selected on the payment completion screen. A point program operating system that includes the following features.

[0103] [2] The identification unit is configured to identify one or more designated benefits pre-registered by each customer as the one or more candidate benefits for that customer. The operating system described in [1] above.

[0104] [3] The settlement process described in item 1 is carried out via a settlement terminal operated by the business operator receiving the settlement amount and a customer terminal operated by the customer. The specified unit is configured to identify one or more candidate benefits based on information from at least one of the payment terminal or the business operator. The operating system for the points program described in [1] or [2] above.

[0105] [4] The one or more candidate benefits mentioned above include one or more recommended benefits pre-registered by the business that receives the payment amount. The operating system for the points program described in any of the above [1] to [3].

[0106] [5] The one or more candidate benefits mentioned above include one or more related benefits, The one or more related benefits mentioned above include one or more benefits belonging to the same or related fields as the business of the business receiving the settlement amount, or one or more benefits belonging to the same or related fields as the goods or services traded in the one settlement transaction. The operating system for the points program described in any of the above [1] to [4].

[0107] [6] The identification unit is configured to identify at least one of the one or more candidate benefits based on the location of the business operator receiving the payment amount or the location information of the payment terminal operated by the business operator. The operating system for the points program described in any of the above [1] to [5].

[0108] [7] The identifying unit is configured to identify an investment product for the business operator receiving the settlement amount or an affiliated business operator of the business operator as at least one of the one or more candidate benefits. The operating system for the points program described in any of the above [1] to [6].

[0109] [8] If one of the one or more candidate benefits is an investment product, the payment completion screen will display a graph showing the market trend for the investment product. The operating system for the points program described in any of the above [1] to [7].

[0110] [9] The identifying unit is configured to identify at least one of the one or more candidate benefits as a benefit redeemable with the number of points granted by the settlement process, the benefit for which the number of points required for redemption is specified or the benefit for which a minimum number of points required for redemption is specified. The operating system for the points program described in any of the above [1] to [8].

[0111]

[10] The replacement part is If the number of points awarded in the aforementioned payment process is insufficient to redeem for the reward selected on the payment completion screen indicating the result of the payment process, the awarded points are set aside for redemption for the selected reward, and further, The system is configured to perform the reward redemption process if the reward selected on a separate payment completion screen showing the result of another payment process following the first payment process is the same as the reward selected on the first payment completion screen, and the total number of points obtained by adding the number of points awarded in the other payment process and the number of points accumulated is sufficient to redeem the selected reward. The operating system for the points program described in any of the above [1] to [9].

[0112]

[11] The one or more candidate reward items include multiple candidate reward items, The aforementioned multiple candidate rewards include at least one of the following: a reward that is a donation and a reward that is an investment product. The operating system for the points program described in any of the above [1] to

[10] .

[0113]

[12] The above settlement process is: The aforementioned settlement amount and, Customer identification information transmitted from the customer terminal operated by the customer paying the aforementioned settlement amount, The business identification information transmitted from the payment terminal operated by the business operator receiving the aforementioned payment amount, It is executed based on, The payment information includes the business operator identification information, the payment amount, and candidate benefit information relating to the one or more specified candidate benefits. The transmission unit is configured to transmit the payment information to the customer terminal. The operating system for the points program described in any of the above [1] to

[11] .

[0114]

[13] Equipped with one or more service servers, At least one of the one or more service servers is configured to award points to the customer in accordance with the payment amount for each payment transaction. At least one of the one or more service servers is configured to identify one or more candidate benefits from among multiple benefits redeemable for points as candidates to be redeemed for the points granted in the first payment process. At least one of the one or more service servers is configured to transmit payment information for displaying a payment completion screen showing the result of the one payment process, and the payment completion screen includes the items of the one or more candidate rewards. At least one of the one or more service servers is configured to perform a reward redemption process in which, when at least one of the one or more candidate reward items is selected on the payment completion screen, the points awarded in the first payment process are redeemed for the reward related to the selected item. A system for operating point programs.

[0115]

[14] One or more service servers, In conjunction with the payment process, points will be awarded to the customer according to the payment amount, From among multiple rewards redeemable for points, one or more candidate rewards are identified as candidates that can be redeemed for the points awarded in the aforementioned payment process. The process involves transmitting payment information to display a payment completion screen showing the result of the aforementioned payment processing, wherein the payment completion screen includes the one or more candidate reward items. If at least one of the one or more candidate reward items is selected on the payment completion screen, a reward redemption process is performed to exchange the points awarded in the first payment process for the reward related to the selected item. A method for operating a points program, including how to execute it.

[0116]

[15] Computers, To display a screen for payment processing, The payment completion screen is displayed to show the result of the aforementioned payment processing, wherein the payment completion screen includes one or more candidate reward items, and the one or more candidate rewards are candidates for rewards that can be exchanged for points awarded in connection with the aforementioned payment processing. If at least one of the one or more candidate reward items is selected on the payment completion screen, a reward redemption instruction is sent to redeem the points awarded in the first payment process for the reward related to the selected item. A computer program designed to execute something. [Explanation of Symbols]

[0117] 11...Operation system, 12...Service server, 13...Database, 14...Payment terminal, 15...Customer terminal, 16...Rewards server, 17...Network, 20...Payment completion screen, 21...Selection box, 22...Selection button, 23 (23a, 23b, 23c)...Type mark, 24...Graph, 31...Processor, 32...Memory, 33...Communication interface, 34...Input device, 35...Display, 36...Communication bus.

Claims

1. A point awarding unit configured to award points to the customer in accordance with the payment amount in conjunction with a single payment transaction, An identification unit configured to identify one or more candidate benefits from among multiple benefits redeemable for points as candidates to be redeemed for points granted in the first settlement process, wherein if the number of points granted in the first settlement process is equal to or greater than the minimum donation amount, the identification unit is configured to identify a benefit related to the donation as one of the one or more candidate benefits. A transmitting unit configured to transmit payment information for displaying a payment completion screen showing the result of the aforementioned payment processing, wherein the payment completion screen includes the items of the one or more candidate rewards, When a reward related to the donation is selected on the payment completion screen, the redemption unit is configured to perform a reward redemption process to exchange the points awarded in the first payment process for the reward related to the donation. A point program operating system that includes the following features.

2. The identification unit is configured to identify an organization that is a candidate recipient of the donation based on the location of the business operator receiving the payment amount or the location information of the payment terminal operated by the business operator. The point program operation system according to claim 1.

3. A point awarding unit configured to award points to the customer in accordance with the payment amount in conjunction with a single payment transaction, A selection unit configured to identify one or more candidate benefits from among multiple benefits redeemable for points as candidates to be redeemed for points granted in the first settlement process, wherein if the number of points granted in the first settlement process reaches the net asset value required to purchase an investment product when converted into monetary terms, the selection unit is configured to identify a benefit related to the investment product as one of the one or more candidate benefits. A transmitting unit configured to transmit payment information for displaying a payment completion screen showing the result of the aforementioned payment processing, wherein the payment completion screen includes the items of the one or more candidate rewards, A redemption unit is configured to perform a redemption process to exchange points awarded in the first payment process for the redemption of the investment product when a redemption for the investment product is selected on the payment completion screen. A point program operating system that includes the following features.

4. The identifying unit is configured to identify a business that is a candidate for investment in the investment product based on the location of the business that receives the settlement amount or the location information of the settlement terminal operated by the business, The point program operation system according to claim 3.

5. One or more service servers, In conjunction with the payment process, points will be awarded to the customer according to the payment amount, From among multiple rewards redeemable for points, one or more candidate rewards are identified as candidates redeemable for points awarded in the aforementioned payment process, and if the number of points awarded in the aforementioned payment process is equal to or greater than the minimum donation amount, the reward related to the donation is identified as one of the one or more candidate rewards. The process involves transmitting payment information to display a payment completion screen showing the result of the aforementioned payment processing, wherein the payment completion screen includes one or more candidate reward items. When a reward related to the donation is selected on the payment completion screen, a reward redemption process is performed to exchange the points awarded in the first payment process for the reward related to the donation. A method for operating a points program, including how to execute it.

6. One or more service servers, In conjunction with the payment process, points will be awarded to the customer according to the payment amount, From among multiple rewards redeemable for points, one or more candidate rewards are identified as candidates to be redeemed for the points granted in the first settlement process, and if the number of points granted in the first settlement process reaches the net asset value required to purchase the investment product when converted into monetary terms, the reward related to the investment product is identified as one of the one or more candidate rewards. The process involves transmitting payment information to display a payment completion screen showing the result of the aforementioned payment processing, wherein the payment completion screen includes one or more candidate reward items. When a reward related to the investment product is selected on the payment completion screen, a reward redemption process is performed to exchange the points awarded in the first payment process for the reward related to the investment product. A method for operating a points program, including how to execute it.

7. On the computer, To display a screen for payment processing, Display a payment completion screen showing the result of the aforementioned payment processing, wherein the payment completion screen includes one or more candidate reward items, the one or more candidate rewards are candidates for rewards that can be exchanged for points awarded in connection with the aforementioned payment processing, and if the number of points awarded by the aforementioned payment processing is equal to or greater than the minimum donation amount, the one or more candidate rewards include rewards related to the donation. When a reward related to the donation is selected on the payment completion screen, the system sends a reward redemption instruction to exchange the points awarded in the first payment process for the reward related to the donation. A computer program designed to execute something.

8. On the computer, To display a screen for payment processing, Displaying a payment completion screen showing the result of the aforementioned payment process, wherein the payment completion screen includes one or more candidate reward items, the one or more candidate rewards are candidates for rewards that can be exchanged for points awarded in connection with the aforementioned payment process, and if the number of points awarded by the aforementioned payment process reaches the net asset value required to purchase an investment product when converted into monetary terms, the one or more candidate rewards include rewards related to the investment product. When a reward related to the investment product is selected on the payment completion screen, the system sends a reward redemption instruction to exchange the points awarded in the first payment process for the reward related to the investment product. A computer program designed to execute something.

9. A point awarding unit configured to award points to a customer in accordance with the payment amount in connection with a single payment process, When the payment terminal that performs the aforementioned payment processing is mounted on a mobile device, the identification unit is configured to identify the recipient of the donation based on the location information of the payment terminal, A transmitting unit configured to transmit payment information for displaying a payment completion screen showing the result of the aforementioned payment processing, wherein the payment completion screen includes one or more candidate reward items redeemable for points, and the one or more candidate rewards include the reward related to the donation, When a reward related to the donation is selected on the payment completion screen, the redemption unit is configured to perform a reward redemption process to exchange the points awarded in the first payment process for the reward related to the donation to the recipient identified by the identification unit, A point program operating system that includes the following features.

10. A point awarding unit configured to award points to a customer in accordance with the payment amount in conjunction with a single payment process, When the payment terminal that performs the aforementioned payment processing is mounted on a mobile device, the identification unit is configured to identify an investment product based on the location information of the payment terminal, A transmitting unit configured to transmit payment information for displaying a payment completion screen showing the result of the aforementioned payment processing, wherein the payment completion screen includes one or more candidate reward items redeemable for points, and the one or more candidate rewards include rewards related to the investment product, When a reward related to the investment product is selected on the payment completion screen, the redemption unit is configured to perform a reward redemption process to exchange the points awarded in the first payment process for the reward related to the investment product identified by the identification unit, A point program operating system that includes the following features.

11. The location information of the payment terminal is obtained by GPS, The point program operation system according to claim 9 or 10.

12. One or more service servers, In conjunction with the payment process, points will be awarded to the customer according to the payment amount, When the payment terminal that performs the aforementioned payment processing is mounted on a mobile device, the recipient of the donation is identified based on the location information of the payment terminal, The method involves transmitting payment information to display a payment completion screen showing the result of the aforementioned payment process, wherein the payment completion screen includes one or more candidate reward items that can be exchanged for points, and the one or more candidate rewards include rewards related to the donation. When a reward related to the donation is selected on the payment completion screen, a reward redemption process is performed to exchange the points awarded in the first payment process for the reward related to the donation to the specified recipient. A method for operating a points program, including how to execute it.

13. One or more service servers, In conjunction with the payment process, points will be awarded to the customer according to the payment amount, When the payment terminal that performs the aforementioned payment processing is mounted on a mobile device, the investment product is identified based on the location information of the payment terminal, The method involves transmitting payment information to display a payment completion screen showing the result of the aforementioned payment process, wherein the payment completion screen includes one or more candidate reward items that can be exchanged for points, and the one or more candidate rewards include rewards related to the investment product. When a reward related to the investment product is selected on the payment completion screen, a reward redemption process is performed to exchange the points awarded in the first payment process for the specified reward related to the investment product. A method for operating a points program, including how to execute it.

14. A computer, To display a screen for payment processing, The payment completion screen is displayed to show the result of the payment processing, the payment completion screen includes one or more candidate reward items, the one or more candidate rewards are candidates for rewards that can be exchanged for points awarded in connection with the payment processing, the one or more candidate rewards include rewards related to donations, and when the payment terminal that performs the payment processing is mounted on a mobile device, the recipient of the donation is identified based on the location information of the payment terminal. When a reward related to the donation is selected on the payment completion screen, the system sends a reward redemption instruction to exchange the points awarded in the first payment process for the reward related to the donation to the specified recipient. A computer program designed to execute something.

15. A computer, To display a screen for payment processing, The payment completion screen is displayed to show the result of the payment processing, the payment completion screen includes one or more candidate reward items, the one or more candidate rewards are candidates for rewards that can be exchanged for points awarded in connection with the payment processing, the one or more candidate rewards include rewards related to investment products, and when the payment terminal that performs the payment processing is mounted on a mobile device, the investment product is identified based on the location information of the payment terminal. When a reward related to the investment product is selected on the payment completion screen, a reward redemption instruction is sent to exchange the points awarded in the first payment process for the specified reward related to the investment product. A computer program designed to execute something.

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