Reward display system, reward display method, and program

Abstract

To motivate a user to transmit receipt information.SOLUTION: A reward calculation system includes: a payment information acquisition part for acquiring payment information about a payment of a transaction object traded on a user terminal used by a user; a user attribute acquisition part for acquiring user attribute of the user; an estimated reward calculation part for calculating an estimated reward potentially provided to the user terminal, based on at least the payment information and the user attribute; a display control part causing the user terminal to display the estimated reward; and a receipt information acquisition part for acquiring, after the estimated reward is displayed, receipt information included in a receipt image in which a receipt issued for a transaction of the transaction object is displayed.SELECTED DRAWING: Figure 2

Description

【Technical Field】 【0001】 The present disclosure relates to a privilege display system, a privilege display method, and a program. 【Background Art】 【0002】 When a transaction such as purchasing a product or using a service is made at a physical store or the like, the user receives a receipt as proof of payment. Patent Document 1 discloses a technique for awarding points to a user who has photographed a receipt with a user terminal and transmitted the image data of the receipt to a server. 【Prior Art Documents】 【Patent Documents】 【0003】 【Patent Document 1】 Japanese Patent Application Laid-Open No. 2017-146634 【Summary of the Invention】 【Problems to be Solved by the Invention】 【0004】 Here, if it is unclear whether the points (privileges) to be awarded are as expected by the user, the likelihood of receiving the receipt information transmitted is low. 【0005】 One object of the present disclosure is to give the user an incentive to transmit receipt information. 【Means for Solving the Problems】 【0006】 The reward calculation system relating to this disclosure includes: a settlement information acquisition unit that acquires settlement information relating to the settlement of a transaction conducted on a user terminal used by the user; a user attribute acquisition unit that acquires the user attributes of the user; an estimated reward calculation unit that calculates an estimated reward that may be granted to the user terminal based on at least the settlement information and the user attributes; a display control unit that displays the estimated reward on the user terminal; and a receipt information acquisition unit that, after the estimated reward is displayed, acquires receipt information included in a receipt image on which a receipt issued for the transaction relating to the transaction is displayed. [Effects of the Invention] 【0007】 This disclosure provides an incentive for users to send receipt information. [Brief explanation of the drawing] 【0008】 [Figure 1] This figure shows an example of the overall configuration of the reward calculation system according to the first embodiment. [Figure 2] This is a functional block diagram showing an example of the functions implemented in the reward calculation system according to the first embodiment. [Figure 3A] This figure shows an example of user registration information stored in the user database. [Figure 3B] This figure shows an example of payment history stored in the user database. [Figure 4A] This figure shows an example of a table containing evaluation coefficients stored in the database for calculating confirmed benefits. [Figure 4B] This figure shows an example of a table containing evaluation coefficients stored in the database for calculating confirmed benefits. [Figure 5] This diagram schematically illustrates an example of how estimated and confirmed points are calculated. [Figure 6] This figure shows an example of the user terminal display screen from the time of accounting until the estimated points are displayed in the first embodiment. [Figure 7]This figure shows an example of the user terminal display screen after the display screen shown in Figure 6, from the time the receipt is photographed until the confirmed points are displayed. [Figure 8] This figure shows an example of the processing flow performed in the reward calculation system according to the first embodiment. [Figure 9] This is a functional block diagram showing an example of the functions implemented in the reward calculation system according to the second embodiment. [Figure 10] This figure shows an example of the screen displayed on the question setter's terminal from the time of payment until before the receipt is photographed. [Figure 11] This figure shows an example of the screen transitions on the respondent's terminal, from the display of the question to the determination of whether the answer is correct or incorrect, specifically the screen displayed when the answer is correct. [Figure 12] This figure shows an example of the screen transitions on the respondent's terminal, from the display of the question to the determination of whether the answer is correct or incorrect, specifically the screen displayed when the answer is incorrect. [Modes for carrying out the invention] 【0009】 [Summary of the First Embodiment] In the reward calculation system S according to the first embodiment, the reward to be given to the user is calculated according to the receipt information read from the receipt image. In the first embodiment, an example is described in which points that can be used instead of cash at the next payment are given to the user as a reward. In the first embodiment, an example is described in which 1 point is equivalent to 1 yen in Japanese currency. However, the reward is not limited to points and can be anything that is beneficial to the user, for example, a coupon that discounts the payment amount at the next payment. 【0010】 Here, the receipt information read from the receipt image is useful from the perspective of grasping the user's transaction behavior. In conventional payment applications, although the total payment amount can be obtained from the payment information, specific information regarding purchases, such as what was purchased, cannot be obtained. Therefore, in order to obtain specific information regarding purchases, it is necessary for the user to take a photo of the receipt and send the photographed receipt image to the server managed by the merchant. However, without some motivation, the user will not attempt to perform the operation of sending the receipt image. 【0011】 Therefore, in the first embodiment, in order to give the user an incentive to send the receipt image, points are given as a privilege to the user who has sent the receipt image. Also, the points that are assumed to be given when the receipt image is sent are presented to the user in advance before the receipt image is sent. In addition, more points are given according to the usefulness of the receipt information read from the receipt image and the user's past receipt sending history. 【0012】 In the first embodiment, an example in the case where the user purchases a product or uses a service (hereinafter also referred to as product purchase, etc.) at a physical store and makes an electronic payment will be described. Electronic payment is a payment method that does not directly use cash such as coins or banknotes, and is also called cashless payment. 【0013】 Specifically, an example will be described in which the reading device 26 installed in the physical store reads the user ID and payment information from the two-dimensional code displayed on the user terminal 10 by activating the payment application installed on the user terminal 10, and the payment process is performed by sending that information to the payment server 30. However, it is not limited to this, and a user scan method in which the store ID is read by the user terminal 10 from the two-dimensional code presented by the store side may also be used. 【0014】 Note that the two-dimensional code displayed on the user terminal 10 is not limited to the QR (Quick Response) code shown in FIG. 6 described later, and may be a barcode represented by striped lines. Also, a store for payment may be selected by an operation such as scanning a two-dimensional code posted in a physical store with the camera of the user terminal 10, and settlement may be performed by inputting the payment amount by the operation of the user. Further, the electronic payment is not limited to using a two-dimensional code, and it may be possible from an arbitrary medium. For example, a settlement service may be used with an IC chip, an IC card, or a magnetic card included in the user terminal 10. Additionally, for example, settlement may be performed by biometric authentication such as face authentication without using the user terminal 10 or a card. 【0015】 [Overall Configuration of Privilege Calculation System S] FIG. 1 is a diagram showing an example of the overall configuration of a privilege calculation system according to the first embodiment. The privilege calculation system S includes a user terminal 10, a store terminal 20, a settlement server 30, and a privilege calculation server 40. The network N is an arbitrary network such as the Internet or a LAN. The privilege calculation system S may include at least one computer and is not limited to the example of FIG. 1. Further, in FIG. 1, only one user terminal 10 and one store terminal 20 are shown, but it is not limited thereto, and a large number of user terminals 10 and store terminals 20 connected to the settlement server 30 and the privilege calculation server 40 via the network N may be provided. 【0016】 The user terminal 10 is a computer operated by a user who purchases goods or the like. For example, the user terminal 10 is a smartphone, a tablet terminal, or a wearable terminal. The control unit 11 includes at least one processor. The storage unit 12 includes a volatile memory such as a RAM and a non-volatile memory such as a hard disk. The communication unit 13 includes at least one of a communication interface for wired communication and a communication interface for wireless communication. The operation unit 14 is an input device such as a touch panel. The display unit 15 is a liquid crystal display or an organic EL display or the like. The imaging unit 16 is a camera that images an imaging target. 【0017】 The user terminal 10 may have applications installed for payment and point accrual. In addition, the user terminal 10 may also have an application installed for point accrual, separate from the payment application. 【0018】 The store terminal 20 is a computer placed in a physical store where retail services are provided. The store terminal 20 may be a POS (Point of Sales) terminal. However, it is not limited to this, and the store terminal 20 may be a personal computer, a tablet terminal, or a smartphone. The physical configuration of the control unit 21, storage unit 22, communication unit 23, operation unit 24, and display unit 25 is the same as that of the control unit 11, storage unit 12, communication unit 13, operation unit 14, and display unit 15, respectively. 【0019】 A reader 26 and an output device 27 are connected to the store terminal 20. The reader 26 and output device 27 may be included in the store terminal 20. 【0020】 The reader 26 is a device that reads images or storage media, such as a code reader. In a physical store, the store clerk reads the two-dimensional code attached to the product and the two-dimensional code displayed on the user terminal 10 by activating the payment application using the reader 26. In the case of an unmanned checkout, the user can operate the reader 26 themselves to read the product barcode and the two-dimensional code displayed on the user terminal 10. The reader 26 may be, for example, a camera, scanner, NFC reader, or magnetic card reader. 【0021】 The output device 27 prints out a paper receipt after payment, depending on the user's purchase of goods. The receipt is issued as proof of payment when a user makes a purchase at a physical store. Textual information related to the purchase is printed on the receipt. This textual information may include, for example, the store name, store address, date and time of purchase, name of the goods traded, price of each item, and total amount. 【0022】 The output device 27 may output the electronic receipt as electronic data instead of physical paper. In this case, the output electronic receipt should be displayed on the user terminal 10. 【0023】 The payment server 30 is a server computer that processes payments. The payment server 30 manages balance information of payment accounts, etc. The payment method used by the payment server 30 may be, for example, a pre-charge method in which a balance is charged to a payment application pre-installed on the user terminal 10, and payments are made from the charged balance. Alternatively, it may be an immediate payment method in which a bank account or debit card is registered as the payment source. Alternatively, it may be a post-payment method in which a credit card is registered as the payment source. 【0024】 The physical configurations of the control unit 31, the storage unit 32, and the communication unit 33 are the same as those of the control unit 11, the storage unit 12, and the communication unit 13, respectively. 【0025】 The reward calculation server 40 is a server computer managed by the business operator providing the point service. The physical configuration of the control unit 41, storage unit 42, and communication unit 43 is the same as that of the control unit 11, storage unit 12, and communication unit 13, respectively. 【0026】 The programs stored in each of the storage units 12, 22, 32, and 42 may be supplied via the network N. Furthermore, programs stored on a computer-readable information storage medium may be supplied via a reading unit for reading the information storage medium (e.g., an optical disc drive or memory card slot) or an input / output unit for inputting and outputting data with external devices (e.g., a USB port). 【0027】 [Functions implemented by the reward calculation system S] Figure 2 is a functional block diagram showing an example of the functions implemented in the reward calculation system according to the first embodiment. Each function shown in Figure 2 is implemented by a computer executing a program stored in the memory unit. The program may be stored in a computer-readable information storage medium. 【0028】 [Functions implemented on user terminal 10] The user terminal 10 includes a code display unit 101, a receipt image acquisition unit 102, and a data transmission unit 103. The code display unit 101 mainly consists of a control unit 11 and a display unit 15. The receipt image acquisition unit 102 mainly consists of a control unit 11 and an imaging unit 16. The data transmission unit 103 mainly consists of a control unit 11 and a communication unit 13. 【0029】 The code display unit 101 displays a two-dimensional code for payment on the user terminal 10 when the user activates the payment application. The receipt image acquisition unit 102 acquires a receipt image of the receipt captured by the camera on the user terminal 10. 【0030】 The data transmission unit 103 includes a receipt image transmission unit 103a, which transmits the receipt image to the reward calculation server 40. The data transmission unit 103 may also transmit the user ID and payment information to the reward calculation server 40 along with the receipt image. 【0031】 [Functions implemented by store terminal 20] In the store terminal 20, a payment request unit 201 is implemented. The payment request unit 201 mainly consists of a control unit 21 and a communication unit 23. The payment request unit 201 receives a command from the reader 26, which reads the two-dimensional code displayed on the user terminal 10, and makes a payment request to the payment server 30. 【0032】 [Functions implemented by payment server 30] The payment server 30 includes a payment request receiving unit 301, a payment processing unit 302, and a payment information transmission unit 303. The payment request receiving unit 301 and the payment information transmission unit 303 are mainly implemented as a control unit 31 and a communication unit 33. The payment processing unit 302 is mainly implemented as a control unit 31. 【0033】 The payment request receiving unit 301 receives payment requests from the payment request unit 201 of the store terminal 20. The payment processing unit 302 generates payment information by executing payment processing based on the payment request. The payment information transmission unit 303 transmits the payment information generated by the payment processing unit 302 to the reward calculation server 40. The payment information includes at least the user ID, the store ID, and the payment amount. 【0034】 [Functions implemented by the reward calculation server 40] The reward calculation server 40 includes a payment information acquisition unit 401, a user attribute acquisition unit 402, an estimated reward calculation unit 403, a receipt information acquisition unit 404, a confirmed reward calculation unit 405, a display control unit 406, a data transmission unit 407, and a data storage unit 408. 【0035】 The user attribute acquisition unit 402, estimated reward calculation unit 403, receipt information acquisition unit 404, confirmed reward calculation unit 405, and display control unit 406 are mainly implemented by the control unit 41. The payment information acquisition unit 401 and data transmission unit 407 are mainly implemented by the control unit 41 and communication unit 43. The data storage unit 408 is mainly implemented by the storage unit 42. 【0036】 The payment information acquisition unit 401 receives and acquires payment information transmitted from the payment server 30. The user attribute acquisition unit 402 identifies and acquires user attributes based on the user ID included in the payment information and the user database DB1 described later. User attributes may include, for example, age, gender, place of residence, occupation, etc. 【0037】 The estimated reward calculation unit 403 calculates estimated points based on at least user attributes and payment information. The estimated reward calculation unit 403 may also identify store attributes from the store ID included in the payment information. Furthermore, the estimated reward calculation unit 403 may calculate estimated points based on store attributes in addition to user attributes. 【0038】 Estimated points are the rewards that may be awarded to user terminal 10. As described later, the points actually awarded to user terminal 10 are confirmed points, while estimated points are rewards that are displayed to user terminal 20 in advance before the confirmed points are awarded. 【0039】 As will be described later with reference to Figure 5, the estimated reward calculation unit 403 may calculate estimated points using a learning model M that has been trained on learning data including payment information, user attributes, and confirmed points previously calculated by the confirmed reward calculation unit 405. 【0040】 The receipt information acquisition unit 404 receives a receipt image transmitted from the user terminal 20 and acquires the receipt information contained in the receipt image. The receipt information is preferably acquired by analyzing the text information using a technology such as OCR (Optical Character Recognition). The receipt information includes the store name, the name of the purchased product, the price of the purchased product, etc. In this embodiment, an example is described in which the receipt information acquisition unit 404 receives a receipt image and acquires receipt information, but it is not limited to this. For example, the user terminal 10 may be equipped with a function to acquire receipt information such as OCR, and the receipt information acquired from the receipt image may be transmitted from the user terminal 10. 【0041】 The confirmed reward calculation unit 405 calculates confirmed points based on at least user attributes and receipt information. The confirmed reward calculation unit 405 may include an identification unit 405a that identifies necessary information based on the receipt information. The identification unit 405a may, for example, identify store attributes from the store ID included in the receipt information, identify product attributes from the product name included in the receipt information, or identify combinations of product attributes included in the receipt information. The confirmed reward calculation unit 405 then calculates confirmed points based on the identified store attributes, product attributes, combinations of product attributes, etc. 【0042】 Furthermore, the confirmed reward calculation unit 405 may calculate confirmed points using payment information. That is, the confirmed reward calculation unit 405 may use the identification unit 405a to identify store attributes from the store ID included in the payment information and calculate confirmed points based on the store attributes identified from the payment information. By identifying store attributes from payment information in this way, it is possible to identify store attributes with higher accuracy than by reading store attributes from receipt images using technologies such as OCR. 【0043】 The display control unit 406 controls the display on the user terminal 10. Specifically, the display control unit 406 forms image data to be displayed on the user terminal 10. More precisely, the display control unit 406 may form image data for displaying estimated points on the user terminal 10 and image data for displaying confirmed points on the user terminal 10. The data transmission unit 407 transmits the image data formed by the display control unit 406 to the user terminal 10. 【0044】 The data storage unit 408 stores the user database DB1 and the database DB2 for calculating confirmed benefits. 【0045】 Figure 3A shows an example of user registration information stored in the user database. Figure 3B shows an example of payment history stored in the user database. Figures 4A and 4B show an example of a table related to evaluation coefficients stored in the database for calculating confirmed benefits. 【0046】 [User Database DB1] User database DB1 stores registration information for users who use the payment application. User database DB1 also stores users' payment history. Figure 3A shows an example of user ID, name, address, age, and balance points stored in user database DB1. Figure 3B shows an example of a user's payment history. Figure 3B shows an example where the payment history includes payment date, store ID, store name, payment amount, and receipt transmission history. Receipt transmission history refers to information regarding whether or not a receipt was sent for each payment. 【0047】 [Database DB2 for calculating confirmed rewards] The DB2 database for calculating confirmed rewards stores evaluation coefficients associated with store attributes and product attributes. Figure 4A shows an example of an evaluation coefficient associated with store attributes. Figure 4B shows an example of an evaluation coefficient associated with a combination of product attributes. In the first embodiment, the evaluation coefficient is a coefficient that is taken into account when calculating confirmed points. 【0048】 The evaluation coefficient should be set appropriately according to the usefulness of the information. In other words, the more useful the information is to the business providing the point service, the higher the evaluation coefficient should be. For example, if a business providing a point service wants to obtain information about receipts issued when a product with the product attribute of beverages is purchased, it would be good to set a high evaluation coefficient for beverages. The evaluation coefficient may also be set to identify and fill in missing data using methods such as k-means clustering. In other words, it would be good to set a high evaluation coefficient for missing user attributes, store attributes, product attributes, etc. 【0049】 As shown in Figure 4A, for example, if the store attribute identified from the receipt information is "Store Attribute P", the evaluation coefficient is 1.05. The confirmed reward calculation unit 405 should take this evaluation coefficient into account when calculating the confirmed points. For example, using the table shown in Figure 4A, even if the same product is purchased, if a receipt issued with store attribute P is submitted, 1.05 times the points awarded when a receipt issued with store attribute R is submitted should be awarded. 【0050】 Furthermore, the confirmed reward calculation unit 405 identifies combinations of product attributes for two or more products included in the receipt information and calculates confirmed points by taking into account the evaluation coefficient associated with that combination of product attributes. 【0051】 As shown in Figure 4B, if the product attributes identified from the receipt information are "product attribute X" and "product attribute Y", the evaluation coefficient is 1.3. For example, using the table shown in Figure 4B, even if two products are purchased at the same store, if a receipt issued for purchasing two products with product attributes "product attribute X" and "product attribute Y" is submitted, it is appropriate to award 1.3 times the points that would be awarded if a receipt issued for purchasing two products with product attribute "product attribute X" were submitted. 【0052】 Specifically, for example, if product attribute X is "beverage" and product attribute Y is "lunch box," then points should be awarded to the user terminal 10 that sent the receipt issued for purchasing a canned juice and a curry lunch box together, taking into account the evaluation coefficient 1.3. For example, if the points before considering the evaluation coefficient are 50, then 65 points may be awarded to the user terminal 10 as the final points. 【0053】 Figure 4B shows the evaluation coefficients associated with combinations of two product attributes, but the number of product attributes in a combination may be three or more. Furthermore, the combinations are not limited to product attributes; they may also be combinations of product attributes and store attributes, or product attributes and user attributes, etc. For example, if you want to obtain receipt information issued when a man purchases pharmaceuticals, you should set a high value for the evaluation coefficient associated with the combination of user attribute being male and product attribute being pharmaceuticals. 【0054】 [Example of point calculation] Here, with reference to Figure 5, an example of calculating estimated points and confirmed points will be explained. Figure 5 is a schematic diagram showing an example of calculating estimated points and confirmed points in the first embodiment. 【0055】 As shown in Figure 5, the estimated reward calculation unit 403 may calculate estimated points using a learning model M that has been trained on learning data including payment information, user attributes, and confirmed points calculated by the confirmed reward calculation unit 405. 【0056】 The confirmed reward calculation unit 405 should calculate confirmed points based at least on user attributes and receipt information. Furthermore, the confirmed reward calculation unit 405 should use the various data stored in the data storage unit 408 described above to calculate confirmed points, taking into account an evaluation coefficient. 【0057】 Furthermore, the confirmed reward calculation unit 405 may calculate confirmed points by taking into account the receipt transmission history included in the payment history shown in Figure 3B. For example, it is preferable to award more confirmed points to user terminal 10 that has sent receipt images many times. In this way, by awarding more points for more receipt images sent, it is possible to provide users with an incentive to send receipt images. 【0058】 The estimated reward calculation unit 403 may also calculate estimated points using receipt information previously acquired by the user terminal 10. For example, if a payment of the same amount is made at a store with the same attributes as the previously acquired receipt information, the estimated reward calculation unit 403 may calculate the same estimated points as the confirmed points calculated based on the previously acquired receipt information. 【0059】 [Screen transition] The following describes the screen transitions displayed on the user terminal 10 in the first embodiment with reference to Figures 6 and 7. Figure 6 is a diagram showing an example of the user terminal display screen from the time of payment until the estimated points are displayed in the first embodiment. Figure 7 is a diagram showing an example of the user terminal display screen after the display screen shown in Figure 6, from the time of receipt photography until the confirmed points are displayed. 【0060】 In the following explanation, it is assumed that the payment application has been pre-installed on the user terminal 10 in response to user input, and that account information, including bank account details, has already been registered. 【0061】 As shown in Figure 6, first, a two-dimensional code is displayed on the user terminal 10 when the payment application is launched by the user. At this time, it would be desirable to also display the remaining balance so that the user can see whether the charged amount is sufficient for the payment amount. 【0062】 A store employee or the user themselves operates the code reader, which is a reading device 26, to read the two-dimensional code displayed on the user terminal 10. This sends a payment request to the payment server 30, where the payment server 30 processes the payment. Once the payment process is complete, the user terminal 10 displays a message indicating that the payment (payment processing) has been completed, as shown in Figure 6. 【0063】 Furthermore, the estimated reward, or estimated points, is displayed on the user terminal 10. Figure 6 shows an example where it is displayed that 150 points will be awarded when a receipt image is sent. When the estimated points are displayed, it would be desirable for a button to activate the camera installed in the user terminal 10 to also be displayed. When the user taps the "Take a picture of the receipt" button shown in Figure 6, the camera installed in the user terminal 10 will be activated. 【0064】 Then, as shown in Figure 7, it is desirable that the receipt be photographed by the user's operation. Figure 7 shows how the receipt issued when 800 yen worth of purchases such as rice balls and tea are made at AA Store is photographed by the camera of the user terminal 10. 【0065】 As shown in Figure 7, after taking a picture of the receipt, a button for sending should appear on the user terminal 10. When the user taps the "Send" button shown in Figure 7, the receipt image is sent to the reward calculation server 40. The reward calculation server 40 calculates the final reward based on the receipt information contained in the receipt image. The calculation result is then sent to the user terminal 10 and displayed on the user terminal 10. 【0066】 Figure 7 shows the screen displayed on the user terminal 20 when 180 points are awarded as a confirmed reward. Ideally, the point balance, including the points awarded this time, should also be displayed. 【0067】 Furthermore, confirmed points are not limited to those awarded immediately; for example, they may be awarded a few days later. 【0068】 [Processing executed by the reward calculation system S] Figure 8 shows an example of the processing flow performed in the reward calculation system according to the first embodiment. This processing is performed by the control units 11, 21, 31, and 41 operating according to the programs stored in the storage units 12, 22, 32, and 42, respectively. 【0069】 First, the user terminal 10 displays a two-dimensional code using the code display unit 101 when the user activates the payment application (S1). Next, the store terminal 20 reads the two-dimensional code displayed on the user terminal 10 using the reader 26 connected to the store terminal 20 (S2). After reading the two-dimensional code, the store terminal 20 sends a payment request to the payment server 30 using the payment request unit 201 (S3). 【0070】 The settlement server 30 receives a settlement request via the settlement request receiving unit 301 (S4). Based on the received settlement request, the settlement server 30 executes settlement processing via the settlement processing unit 302 (S5). The settlement server 30 transmits settlement information to the reward calculation server 40 via the settlement information transmission unit 303 (S6). 【0071】 The reward calculation server 40 acquires payment information using the payment information acquisition unit 401 and calculates estimated points based on the acquired payment information and user attributes acquired by the user attribute acquisition unit 402 (S7). After calculating the estimated points, the reward calculation server 40 controls the screen of the user terminal 10 using the display control unit 406 and the data transmission unit 407 (S8). The user terminal 10, whose screen has been controlled by the reward calculation server 40, displays the estimated points (S9). 【0072】 Furthermore, the user terminal 10 acquires a receipt image via the receipt image acquisition unit 102 when the user takes a picture of the receipt with the camera (YES in S10), and then transmits the receipt image to the reward calculation server 40 according to the user's operation (S11). 【0073】 The reward calculation server 40 acquires receipt information using the receipt information acquisition unit 404 based on the receipt image transmitted from the user terminal 10 (S12). The reward calculation server 40 calculates confirmed points using the confirmed reward calculation unit 405 based on at least the receipt information and user attributes (S13). After calculating the confirmed points, the reward calculation server 40 controls the screen of the user terminal 10 using the display control unit 406 and the data transmission unit 407 (S14). The user terminal 10, whose screen has been controlled by the reward calculation server 40, displays the confirmed points (S15). 【0074】 [others] In the first embodiment, the estimated points may be the minimum points actually awarded to the user terminal 10. That is, if the confirmed points calculated by the confirmed reward calculation unit 405 are lower than the estimated points calculated by the estimated reward calculation unit 403, the user terminal 10 should be awarded confirmed points equal to the estimated points. This ensures that the user receives at least the estimated points displayed before sending the receipt image, thereby preventing the user from losing motivation to send the receipt image. 【0075】 Furthermore, when the user terminal 10 sends a receipt image, it may also send a response to a questionnaire. The questionnaire could, for example, be about the user's hobbies. The confirmed reward calculation unit 405 may award higher confirmed points to the user terminal 10 that sent the questionnaire. 【0076】 Furthermore, if a business providing a point service wants to obtain a receipt image that displays specific attributes, it should notify the user terminal 10. For example, if the business wants to obtain a receipt image that displays a receipt issued when a man purchases clothing, it should notify the user terminal 10, whose user attribute is male, that sending a receipt image issued by a clothing store will result in high points being awarded. 【0077】 Furthermore, the functions described as being implemented by the reward calculation server 40 may be implemented by the user terminal 10, the store terminal 20, the payment server 30, or other computers. Also, the functions described as being implemented by a single computer may be shared among multiple computers. 【0078】 [Summary of the First Embodiment] In the first embodiment described above, the estimated points that may be awarded to the user can be presented in advance. This provides the user with an incentive to send receipt information. Furthermore, by calculating the final points by taking into account evaluation coefficients corresponding to user attributes, store attributes, product attributes, etc., it is possible to award a large number of points to a specific user. As a result, the business providing the point service can obtain the desired receipt information. 【0079】 [Second Embodiment] Next, a second embodiment will be described with reference to Figures 9 to 12. In the second embodiment, an example will be described in which a quiz question is created using a receipt image, and points are awarded to the user terminal according to the answer. In the second embodiment, as in the first embodiment, it is preferable that estimated points, which are the quiz creator's estimated reward, are calculated based on user attributes and payment information. The estimated points are then preferably displayed on the user terminal (quiz creator terminal 10A) before the receipt image is sent. 【0080】 Figure 9 is a functional block diagram showing an example of the functions implemented in the reward calculation system according to the second embodiment. The reward calculation server 240 included in the reward calculation system S2 according to the second embodiment may have the same physical and functional configuration as the reward calculation server 40 included in the reward calculation system S according to the first embodiment. In addition, the questioner terminal 10A and the respondent terminal 10B shown in Figure 9 may have the same physical and functional configuration as the user terminal 10 described in the first embodiment. In Figure 9, some of the functional configurations described in the first embodiment are omitted. 【0081】 [Functions implemented on the question setter terminal 10A] The first terminal, the question setter terminal 10A, includes a question creation request receiving unit 101A, a receipt image acquisition unit 102A, and a receipt image transmission unit 103A. 【0082】 The problem creation request receiving unit 101A receives a problem creation request sent from the reward calculation server 240. The receipt image acquisition unit 102A acquires a receipt image that is displayed according to the user's operation. The receipt image transmission unit 103A transmits the receipt image to the reward calculation server 240. 【0083】 [Functions implemented on respondent terminal 10B] In the second terminal, the respondent terminal 10B, a question receiving unit 107B, a response receiving unit 108B, and a response transmission unit 109B are implemented. 【0084】 The question receiving unit 107B receives quiz questions from the reward calculation server 240. The answer receiving unit 108B accepts input of answers to the quiz questions in response to user operations on the respondent terminal 10B. The answer transmission unit 109B transmits the answers to the reward calculation server 240. 【0085】 [Functions implemented by the reward calculation server 240] The reward calculation server 240 includes a question creation request unit 241, a receipt image acquisition unit 242, a question generation unit 243, a question transmission unit 244, an answer acquisition unit 245, and a judgment unit 246. 【0086】 The question creation request unit 241 obtains payment information transmitted from the payment server 30 using the payment information acquisition unit 401 shown in Figure 2, and then requests question creation from the questioner terminal 10A. The receipt image acquisition unit 242 acquires the receipt image transmitted from the questioner terminal 10A. The question generation unit 243 generates a quiz question by processing at least a part of the receipt image. The question transmission unit 244 transmits the quiz question to the questioner terminal 10A and the respondent terminal 10B. The answer acquisition unit 245 acquires the answer to the quiz question from the respondent terminal 10B. 【0087】 The judgment unit 246 determines whether the answer is correct or incorrect. The judgment unit 246 may also determine whether to award points (questioner's bonus) to the questioner terminal 10A and whether to award points (respondent's bonus) to the respondent terminal 10B, depending on whether the answer is correct or incorrect. For example, if the answer sent from the respondent terminal 10B is incorrect, the judgment unit 246 may determine to award points to the questioner terminal 10A. On the other hand, if the answer sent from the respondent terminal 10B is correct, the judgment unit 246 may determine to award points to the respondent terminal 10B. Alternatively, points may be awarded to the questioner terminal 10A that sent the receipt image, regardless of whether the answer is correct or incorrect. 【0088】 [Screen transition] Referring to Figure 10, the screen transitions displayed on the questioner's terminal 10A will be explained. Also, referring to Figures 11 and 12, the screen transitions displayed on the respondent's terminal 10B will be explained. Figure 10 is a diagram showing an example of the screens on the questioner's terminal from the time of payment until before the receipt is photographed. Figure 11 is a diagram showing an example of the screens on the respondent's terminal from the display of the question to the determination of whether the answer is correct or incorrect, specifically the screen when the answer is correct. Figure 12 is a diagram showing an example of the screens on the respondent's terminal from the display of the question to the determination of whether the answer is correct or incorrect, specifically the screen when the answer is incorrect. 【0089】 After payment is completed, as shown in Figure 10, the questioner terminal 10A displays a message indicating that payment (settlement processing) is complete. Furthermore, the questioner terminal 10A displays a message prompting the user to present a quiz. When the message prompting the user to present a quiz is displayed, it would be desirable to also display a button to activate the camera installed in the user terminal 10. When the user taps "Take a picture of the receipt" as shown in Figure 10, the camera installed in the questioner terminal 10A will be activated. In addition, when the message prompting the user to present a quiz is displayed, the points to be awarded may also be displayed, as shown in Figure 10. This provides an incentive for the user of the questioner terminal 10A to send a receipt image. 【0090】 Subsequently, in response to user operations on the question-setting terminal 10A, a receipt image displaying the receipt is sent to the reward calculation server 240. Upon receiving the receipt image, the reward calculation server 240 creates a quiz question based on the receipt image and sends it to the respondent terminal 10B. The user of the question-setting terminal 10A may specify who the respondent will be, or the reward calculation server 240 may decide arbitrarily. For example, the reward calculation server 240 may detect a friend of the user using the question-setting terminal 10A based on a user database where user registration information is stored, and select the terminal used by the detected user as the respondent terminal 10B. 【0091】 When the respondent terminal 10B receives the quiz question from the reward calculation server 240, the display shown in Figure 11 is shown. Figure 11 shows a quiz question generated by processing the receipt image so that the store name is blacked out. It also shows an example where three answer choices are provided. The user of the respondent terminal 10B will consider the correct answer by checking the product name, price, store address, etc. displayed on the receipt image. 【0092】 Figure 11 shows an example where the user of the respondent terminal 10B correctly answers a quiz question. Specifically, based on the answer sent from the answer transmission unit 19B of the respondent terminal 10B, the judgment unit 246 of the reward calculation server 240 determines whether the answer is correct or incorrect, and the display control unit 406 displays to the respondent terminal 10B that the answer was correct and the points awarded to the respondent terminal 10B. 【0093】 On the other hand, Figure 12 shows an example where the user of the respondent terminal 10B answers a quiz question incorrectly. Specifically, based on the answer sent from the answer transmission unit 19B of the respondent terminal 10B, the judgment unit 246 of the reward calculation server 240 determines whether the answer is correct or incorrect, and the display control unit 406 displays on the respondent terminal 10B that the answer was incorrect and the points to be awarded to the questioner terminal 10A. 【0094】 In the second embodiment, an example was described in which quiz questions are generated by the question generation unit 243 in the reward calculation server 240, but the system is not limited to this. For example, quiz questions may be generated in the questioner terminal 10A. In this case, for example, the reward calculation server 240 may generate a quiz question format and send that format to the questioner terminal 10A. The user of the questioner terminal 10A may then generate quiz questions by editing the received quiz question format. Furthermore, the answer choices may also be arbitrarily entered by the user of the questioner terminal 10A. 【0095】 In the second embodiment, as in the first embodiment, it is preferable to award more points according to the user's past receipt submission history. Alternatively, more points may be awarded according to the number of times the user has answered past quiz questions and the number of times they have answered correctly. 【0096】 Furthermore, notifications may be sent to user devices used by users who have submitted receipts or answered quizzes infrequently. This can provide users with an incentive to submit receipts. 【0097】 [Summary of the second embodiment] In the second embodiment described above, the entertainment aspect of presenting quiz questions based on receipt images provides an incentive for users to send receipt images. Furthermore, giving users who answer the questions the opportunity to receive points makes the exchange of quiz questions more active. As a result, businesses providing point services can obtain more receipt information. 【0098】 [Note] For example, the reward calculation system can also be configured as follows: (1) A payment information acquisition unit that acquires payment information related to transactions conducted on the user terminal used by the user, A user attribute acquisition unit that acquires the user attributes of the aforementioned user, An estimated benefit calculation unit that calculates estimated benefits that may be granted to the user terminal based on at least the payment information and the user attributes, A display control unit that displays the estimated benefits on the user terminal, After the display of the estimated benefit, a receipt information acquisition unit acquires receipt information contained in the receipt image that displays the receipt issued by the transaction subject to the transaction, A reward calculation system that has the following features. (2) A confirmed reward calculation unit that calculates a confirmed reward to be granted to the user terminal based on at least the receipt information and the user attributes, The reward calculation system described in (1) having the following: (3) The estimated reward calculation unit calculates the estimated reward using a learning model that has been trained on learning data including the payment information, the user attributes, and confirmed rewards previously calculated by the confirmed reward calculation unit. (2) The reward calculation system described above. (4) It includes a memory unit that stores evaluation coefficients associated with the attributes of the transaction target, The confirmed reward calculation unit includes an identification unit that identifies the attributes of the transaction target from the receipt information, and calculates the confirmed reward based at least on the user attributes and evaluation coefficients associated with the attributes of the transaction target identified by the identification unit. (2) or (3) The reward calculation system described above. (5) It includes a memory unit that stores evaluation coefficients associated with combinations of two or more trading targets, The confirmed reward calculation unit includes an identification unit that identifies a combination of transaction items from the receipt information, and calculates the confirmed reward based at least on the user attributes and the evaluation coefficient associated with the combination of transaction items identified by the identification unit. The reward calculation system described in any of (2) to (4). (6) It includes a memory unit that stores evaluation coefficients in association with store attributes, The confirmed reward calculation unit includes an identification unit that identifies the store attributes from the receipt information, and calculates the confirmed reward based at least on the user attributes and the evaluation coefficient associated with the store attributes identified by the identification unit. The reward calculation system described in any of (2) to (5). (7) Includes a storage unit that stores the transmission history of the receipt image at the user terminal, The confirmed reward calculation unit calculates the confirmed reward based on at least the receipt information, the user attributes, and the transmission history. The reward calculation system described in any of (2) to (6). (8) The aforementioned reward calculation system includes the user terminal and the server, The aforementioned user terminal is A receipt image acquisition unit acquires a receipt image on which the aforementioned receipt is displayed, A receipt image transmission unit that transmits the aforementioned receipt image to the server, Having, The reward calculation system described in any of (2) to (7). (9) A receipt image acquisition unit acquires a receipt image that displays the receipt issued for the transaction subject to the transaction, which is transmitted from the first user terminal used by the first user. A question generation unit generates quiz questions by processing at least a portion of the aforementioned receipt image, A question transmission unit that transmits the aforementioned quiz questions to a second user terminal used by the second user, The answer acquisition unit acquires the answer to the quiz question from the second user terminal, It has, The estimated reward calculation unit calculates the estimated reward from the question setter that may be granted to the first user terminal, based at least on the payment information and the user attributes of the first user. (1) The reward calculation system described above. (10) The system includes a determination unit that determines whether the aforementioned answer is correct or incorrect, and also determines whether or not to grant the respondent's benefits to the second user terminal. (9) The reward calculation system described above. [Explanation of Symbols] 【0099】 10 User terminal, 11 Control unit, 12 Storage unit, 13 Communication unit, 14 Operation unit, 15 Display unit, 16 Imaging unit, 101 Code display unit, 102 Receipt image acquisition unit, 103 Data transmission unit, 103a Receipt image transmission unit, 20 Store terminal, 21 Control unit, 22 Storage unit, 23 Communication unit, 24 Operation unit, 25 Display unit, 26 Reader, 27 Output device, 201 Payment request unit, 30 Payment server, 31 Control unit, 32 Storage unit, 33 Communication unit, 301 Payment request reception unit, 302 Payment processing unit, 303 Payment information transmission unit, 40 Reward calculation server, 41 Control unit, 42 Storage unit, 43 Communication unit, 401 Payment information acquisition unit, 402 User attribute acquisition unit, 403 Estimated reward calculation unit, 404 Receipt information acquisition unit, 405 405a Confirmed reward calculation unit, 406 Identification unit, 407 Display control unit, 408 Data storage unit, 10A Question setter terminal, 101A Question creation request reception unit, 102A Receipt image acquisition unit, 103A Receipt image transmission unit, 10B Respondent terminal, 107B Question reception unit, 108B Answer reception unit, 109B Answer transmission unit, 240 Reward calculation server, 241 Question creation request unit, 242 Receipt image acquisition unit, 243 Question generation unit, 244 Question transmission unit, Answer acquisition units 245, 246 Judgment unit, 247 Reward calculation unit, S, S2 Reward calculation system, DB1 User database, DB2 Database for confirmed reward calculation, N Network, M Learning model.

Claims

[Claim 1] When a transaction is completed on a user terminal used by a user, an estimated reward calculation unit calculates an estimated reward that the user is expected to receive when they send a receipt image showing the receipt issued for the transaction, based at least on the settlement information related to the transaction. A display control unit that displays the estimated benefits on the user terminal, After the display of the estimated benefits, a receipt information acquisition unit acquires the receipt information contained in the receipt image transmitted from the user terminal, A rewards display system that includes the following features. [Claim 2] A user attribute acquisition unit that acquires the user attributes of the aforementioned user, A confirmed reward calculation unit that calculates a confirmed reward to be granted to the user based on at least the receipt information and the user attributes, The special offer display system according to claim 1, having the following features. [Claim 3] It has a payment information acquisition unit that acquires the aforementioned payment information, The estimated reward calculation unit calculates the estimated reward using a learning model that has been trained on learning data including the payment information, the user attributes, and confirmed rewards previously calculated by the confirmed reward calculation unit. The special offer display system according to claim 2, having the following features. [Claim 4] It includes a memory unit that stores evaluation coefficients associated with the attributes of the transaction target, The confirmed reward calculation unit includes an identification unit that identifies the attributes of the transaction target from the receipt information, and calculates the confirmed reward based at least on the user attributes and evaluation coefficients associated with the attributes of the transaction target identified by the identification unit. The special offer display system according to claim 2 or 3. [Claim 5] It includes a memory unit that stores evaluation coefficients in association with combinations of two or more trading targets, The confirmed reward calculation unit includes an identification unit that identifies a combination of transaction items from the receipt information, and calculates the confirmed reward based at least on the user attributes and the evaluation coefficient associated with the combination of transaction items identified by the identification unit. The special offer display system according to claim 2 or 3. [Claim 6] It includes a memory unit that stores evaluation coefficients in association with store attributes, The confirmed reward calculation unit includes an identification unit that identifies store attributes from the receipt information, and calculates the confirmed reward based at least on the user attributes and the evaluation coefficient associated with the store attributes identified by the identification unit. The special offer display system according to claim 2 or 3. [Claim 7] Includes a storage unit that stores the transmission history of the receipt image at the user terminal, The confirmed reward calculation unit calculates the confirmed reward based on at least the receipt information, the user attributes, and the transmission history. The special offer display system according to claim 2 or 3. [Claim 8] The aforementioned benefit display system includes the user terminal and the server, The aforementioned user terminal is A receipt image acquisition unit acquires a receipt image on which the aforementioned receipt is displayed, A receipt image transmission unit that transmits the aforementioned receipt image to the server, Having, The special offer display system according to claim 2 or 3. [Claim 9] The display control unit displays information on the user terminal prompting the user to send the receipt image along with the estimated reward. A reward display system according to any one of claims 1 to 3. [Claim 10] A procedure for calculating an estimated reward that will be granted to a user when, upon completion of a transaction on a user terminal used by the user, the user sends a receipt image showing the receipt issued for the transaction, based at least on the settlement information related to the transaction. A procedure for displaying the estimated benefits on the user terminal, A procedure for obtaining receipt information contained in the receipt image transmitted from the user terminal after the display of the estimated benefit, A method by which a computer displays rewards. [Claim 11] A procedure for calculating an estimated reward that will be granted to a user when, upon completion of a transaction on a user terminal used by the user, the user sends a receipt image showing the receipt issued for the transaction, based at least on the settlement information related to the transaction. A procedure for displaying the estimated benefits on the user terminal, A procedure for obtaining receipt information contained in the receipt image transmitted from the user terminal after the display of the estimated benefit, A program that causes a computer to execute something.

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