Point system, point system management program, and point system management method

Abstract

We will correct the fees borne by participating merchants and provide a point system that is easy for consumers to use. [Solution] The point system solves the above problem by comprising: an issuing unit that, when a user purchases goods at a first store where a store terminal is installed, issues coupon information for the requested coupon points, which is linked to the user information as owner information, within a coupon point issuance limit equivalent to the balance of the first store's pre-deposited guarantee amount, in response to a request for issuance of coupon points corresponding to the payment amount of the purchase price of the goods, including user information obtained from the user terminal; and a settlement unit that, in response to a settlement request from the first store's store terminal for coupons issued at other stores and used to purchase goods at the first store, deducts a settlement fee calculated by multiplying the total amount of coupon points by a predetermined rate from the balance of the guarantee amount, and adds the total amount to the balance of the first store's guarantee amount.

Description

Technical Field

[0001] The present invention relates to a point system, a point system management program, and a point system management method.

Background Art

[0002] Services that return points to users according to the payment amount by settlement processing such as cash payment or card payment are widely spread. As technologies related to such systems (so-called "point systems"), there are the following technologies.

[0003] As a first technology, a donation support technology that enables users to easily make donations at will is disclosed (for example, see Patent Document 1). In Patent Document 1, an input of a first donation destination and a first ratio is received from a user. The donation unit donates a first amount obtained by multiplying the payment amount of the user's card by the first ratio to the first donation destination. The granting unit grants points to the user according to an amount obtained by multiplying the payment amount by a ratio obtained by subtracting the first ratio from the second ratio. The reception unit receives an input from the user when the first ratio is in the range of 0 or more and less than the second ratio.

[0004] As a second technology, there is a technology for promoting donations by users (for example, see Patent Document 2). In Patent Document 2, value information regarding the value given to a user by a business operator according to the purchase of a product or the use of a service by the user is stored, and at least a part of the money obtained by operating the money corresponding to the value information stored for each user is used for a process for the user to donate to a donation destination, and it is disclosed that the business operator performs a process for donating a money at a determined ratio with respect to the money donated by this process to the donation destination.

[0005] A third technology involves using donation points associated with a product to make donations to designated recipients based on the user (see, for example, Patent Document 3). Patent Document 3 discloses a method for obtaining notification data that includes purchaser identification information for identifying a user in relation to payment when purchasing a product and donation points associated with the product, and by referring to user management information that associates user identification information for identifying a user in relation to the management of donation points with the purchaser identification information, the method for identifying user identification information associated with the purchaser identification information contained in the transmitted notification data is performed, and by referring to donation recipient management information that associates user identification information with allocation rules for distributing donation points to recipients, the allocation rules associated with the identified user identification information are identified, and the donation points contained in the transmitted notification data are distributed to recipients according to the identified allocation rules. [Prior art documents] [Patent Documents]

[0006] [Patent Document 1] Patent No. 7728391 [Patent Document 2] Japanese Patent Publication No. 2022-071698 [Patent Document 3] Japanese Patent Publication No. 2021-196685 [Overview of the project] [Problems that the invention aims to solve]

[0007] A points system is a system for awarding points to customers when they perform specific actions such as purchasing goods or using services, and for managing and operating those points. Traditionally, points systems have allowed participating merchants to offer consumers points at a high redemption rate by paying a fee. Since this fee is generally calculated by multiplying the sales amount by a certain rate, in some respects it can be said to have the same nature as consumption tax, and for businesses, it is a burden that exceeds the statutory consumption tax. Therefore, for small and medium-sized participating merchants who are struggling with cash flow and have little leeway, this fee is high and the burden is significant.

[0008] On the other hand, the fees borne by the participating merchants are usually passed on to the customer in the form of goods or services purchased. Therefore, consumers end up paying a higher price for those goods or services.

[0009] Thus, the existing point system has resulted in high costs for both participating merchants and consumers due to its high fees, and there is a need to rectify the high point fees. Therefore, it is necessary to revise the fee structure, which is proportional to the number of points issued. The system should ideally be viable if the transaction fees for the point information communication system are recovered, and it is necessary to address the problem that fees proportional to the number of points are excessive.

[0010] Therefore, one aspect of the present invention is to correct the fees borne by member stores and to provide a point system that is easy for consumers to use. [Means for solving the problem]

[0011] The point system in one embodiment of the present invention is A first storage unit stores information regarding the issuance limit for the number of coupon points equivalent to the balance of the guarantee amount for each store; a second storage unit stores coupon-related information including coupon identification information that identifies a coupon issued by each store, issuer information that identifies the store that issued the coupon, owner information that identifies the owner of the coupon, and information regarding the number of points issued; and in response to a coupon issuance request, if the number of points in the issuance limit for the first store is equal to or greater than the number of points to be issued, the number of points to be issued for the coupon corresponding to the payment amount for the purchase of goods or services is deducted from the number of points in the issuance limit for the first store, and the coupon-related information including the coupon identification information that identifies the coupon to be issued, owner information with the user in the user information as the owner, issuer information with the first store as the issuer, and the number of points to be issued. A issuing unit that registers in a second storage unit and issues coupon information relating to the registered coupon-related information; a changing unit that, in response to a coupon usage request, obtains the coupon-related information corresponding to the coupon-specific information from the second storage unit, and if the owner information of the obtained coupon-related information matches the acquired user information, changes the owner indicated by the owner information of the obtained coupon-related information to the first store; a changing unit that, in response to a coupon payment request, obtains the coupon-related information corresponding to the coupon-specific information from the second storage unit, and if the owner information in the obtained coupon-related information matches the store information, changes the owner information indicated by the owner information of the obtained coupon-related information to the first store; a changing unit that, in response to a coupon payment request, obtains the coupon-related information corresponding to the coupon-specific information from the second storage unit, and if the owner information in the obtained coupon-related information matches the store information, and the owner information in the obtained coupon-related information differs from the issuer information;A settlement unit that subtracts a settlement fee calculated by multiplying the total number of points from the one or more coupon information by a predetermined rate from the number of points in the issuance limit for the first store, and adds the total number of points to the number of points in the issuance limit for the first store, It is characterized by being equipped with [the following features].

[0012] A point system management program in one embodiment of the present invention is provided on a computer, When a coupon issuance request is received from the first store terminal, which is a store terminal at the first store, the number of points in the issuance limit for the number of coupon points corresponding to the balance of the guarantee amount of each store is stored in the first storage unit, which stores information regarding the issuance limit for the number of coupon points corresponding to the balance of the guarantee amount of each store, if the number of points in the issuance limit for the first store is equal to or greater than the number of points to be issued, the number of points to be issued is subtracted from the number of points in the issuance limit for the first store, and coupon-related information including coupon identification information that identifies the coupon to be issued, issuer information that designates the first store as the issuer of the coupon, owner information that designates the user in the user information as the owner of the coupon, and information regarding the number of points to be issued is registered in the second storage unit, and coupon information relating to the registered coupon-related information is issued, and the coupon information relating to the points of a predetermined coupon that is received from the first store terminal, which is a store terminal at the first store, and the user information that is acquired from the user terminal issuance limit for the number of points to be issued for the coupon. In response to a coupon usage request, the system retrieves coupon-related information corresponding to the coupon-specific information from the second storage unit, which includes the coupon-specific information that identifies the coupon information issued at any store, including the first store. If the owner information of the retrieved coupon-related information matches the retrieved user information, the owner indicated by the owner information of the retrieved coupon-related information is changed to the first store. In response to a coupon payment request, the system retrieves coupon-related information corresponding to the coupon-specific information from the second storage unit, which includes store information that identifies the first store and one or more pieces of coupon-specific information received from the first store terminal. If the owner information in the retrieved coupon-related information matches the store information, and the owner information in the retrieved coupon-related information differs from the issuer information, a settlement fee calculated by multiplying the total number of points in the one or more pieces of coupon information by a predetermined rate is deducted from the number of points in the issuance limit for the first store, and the total number of points is added to the number of points in the issuance limit for the first store.characterized by the following.

[0013] In a point system management method according to an embodiment of the present invention, a computer When a coupon issuance request is received from the first store terminal, which is a store terminal at the first store, the number of points in the issuance limit for the number of coupon points corresponding to the balance of the guarantee amount of each store is stored in the first storage unit, which stores information regarding the issuance limit for the number of coupon points corresponding to the balance of the guarantee amount of each store, if the number of points in the issuance limit for the first store is equal to or greater than the number of points to be issued, the number of points to be issued is subtracted from the number of points in the issuance limit for the first store, and coupon-related information including coupon identification information that identifies the coupon to be issued, issuer information that designates the first store as the issuer of the coupon, owner information that designates the user in the user information as the owner of the coupon, and information regarding the number of points to be issued is registered in the second storage unit, and coupon information relating to the registered coupon-related information is issued, and the coupon information relating to the points of a predetermined coupon that is received from the first store terminal, which is a store terminal at the first store, and the user information that is acquired from the user terminal issuance limit for the number of points to be issued for the coupon. In response to a coupon usage request, the system retrieves coupon-related information corresponding to the coupon-specific information from the second storage unit, which includes the coupon-specific information that identifies the coupon information issued at any store, including the first store. If the owner information of the retrieved coupon-related information matches the retrieved user information, the owner indicated by the owner information of the retrieved coupon-related information is changed to the first store. In response to a coupon payment request, the system retrieves coupon-related information corresponding to the coupon-specific information from the second storage unit, which includes store information that identifies the first store and one or more pieces of coupon-specific information received from the first store terminal. If the owner information in the retrieved coupon-related information matches the store information, and the owner information in the retrieved coupon-related information differs from the issuer information, a settlement fee calculated by multiplying the total number of points in the one or more pieces of coupon information by a predetermined rate is deducted from the number of points in the issuance limit for the first store, and the total number of points is added to the number of points in the issuance limit for the first store. characterized by the following.

Advantages of the Invention

[0014] According to one aspect of the present invention, it is possible to correct the fees borne by franchise stores and provide a point system that is easy for consumers to use.

Brief Description of the Drawings

[0015] [Figure 1] It is a diagram for explaining the outline of the point system in an embodiment of the present invention. [Figure 2] It is a diagram showing an example of the overall configuration of the point system in this embodiment. [Figure 3] It is a functional block diagram of the management server 12 in this embodiment. [Figure 4] It is a diagram for explaining an example of the data structure of the database related to point management and an example of the types of coupons in this embodiment. [Figure 5] It is a diagram for explaining an example of the display screen of the dedicated application installed on the user terminal 14 in this embodiment. [Figure 6] It is a diagram for explaining the transaction form of the point system in this embodiment. [Figure 7] It is a diagram for explaining the coupon issuance phase (transaction 1) in this embodiment. [Figure 8] It is a diagram for explaining the coupon usage phase (transaction 2 / transaction 3) in this embodiment. [Figure 9] It is a diagram for explaining the coupon settlement phase (transaction 4) in this embodiment. [Figure 10] It is a flowchart showing an example of the processing of the store terminal in this embodiment. [Figure 11]This flowchart shows an example of the processing performed by the management server 12 in this embodiment. [Figure 12] This is an example of a block diagram showing the configuration of the hardware environment of a computer that runs the program in this embodiment. [Modes for carrying out the invention]

[0016] Japan's point system rewards customers with high point redemption rates in exchange for high fees, thus creating a sense of value. These high fees are usually included in the price of the purchase. Consumers understand that the point system is sustained by the efforts of those who do not collect points and the efforts of the stores. It is little known that consumers themselves pay a 2% to 5% point fee (operating cost). Furthermore, if they pay with a credit card, they pay an additional 1.5% to 3.5% fee. In this case, consumers end up bearing up to 8.5% of the cost.

[0017] For example, if you have a meal costing 10,000 yen (excluding tax) and add credit points, you might receive 100 points (hereinafter sometimes referred to as "P") + 100P = 200 points. However, it seems that customers don't realize they're actually paying a fee of up to 850 yen to receive 200 points. If you pay cash and don't use a point card, the meal can be offered for 9,150 yen (excluding tax). As a result, the consumption tax is also 85 yen cheaper, which could raise questions about the point reward system.

[0018] In reality, stores don't manage individual costs, so even though they feel the fees are high within their total costs, they tolerate the point reward system from a business perspective because they are still making a profit. On the other hand, stores with low profit margins or high-end stores that handle expensive goods do not participate in point systems, and high-end stores only accept credit card payments. Currently, the point systems that are widespread target the same products and services regardless of which store you buy them at.

[0019] Criticizing the persistently high fees won't solve anything. Therefore, we invented a new point system that meets the store's expectations: low costs, high repeat customer engagement, and effective store promotion and advertising.

[0020] Furthermore, as an added feature to the new points system, users will be able to donate some or all of the points they earn through spending, and those who donate will be awarded a status (e.g., Gold, Silver, Bronze, etc.) according to the number of points they donate. Possible recipients of the donations include projects for children who will shape the next generation.

[0021] Consumers who would donate using this point-based donation system could include, for example, (1) those who receive points but do not use them, (2) those who do not receive points, and (3) those who have a positive view of donations and volunteer activities. In addition, they are expected to support donations to projects that benefit children who will lead the next generation.

[0022] This invention first aims to correct the excessively high point fees. Conventional point systems, for example, collect 2% to 5% of sales as fees, which is too much. There is also a need for a system that can be adopted by stores with low profit margins and high-end stores with a stable customer base. Furthermore, there is a need to simplify the information system and reduce the cost burden. Therefore, this invention shifts from an account / currency type to a coupon type. Note that since the coupons are face value, no change will be given.

[0023] Furthermore, this invention aims to correct the point fee that is linked to prepaid sales. This invention changes from a prepaid system to a postpaid settlement system. As a result, points are settled at the issuing store when they are used. In addition, instead of calculating the point fee from the sales amount, the point fee will be K (for example, 5)% of the point value. In addition, a basic fee and a point guarantee deposit will be required. Note that the cost of point-related measures such as campaigns will not be included in the fee. Furthermore, measures will be taken not to excessively stimulate consumers' gambling tendencies. If operating costs are insufficient, for example, participating stores will bear a proportionate share on a transaction-based basis. In principle, campaign-related measures such as double points will not be implemented, and participating stores will be expected to implement them independently, adhering to the period and frequency.

[0024] Furthermore, this invention allows people who do not collect points or do not use points to donate them to children's programs. It enables people to donate points to support programs for children who will lead the next generation. It is expected that many people will participate in the point system if their spending contributes to social good, even if they do not collect points. The amount of points issued by participating stores will increase, but the burden on participating stores can be reduced by adjusting the fees to be lower than they are currently. This may put pressure on high-end stores that do not currently issue points to participate, but it is acceptable if it ultimately leads to increased spending. In addition, the fees can be kept considerably lower than before.

[0025] The system will allow for status management and regional designation of point donations collected by consumers. Those who donate large amounts will be awarded a status commensurate with their donation rank. Those who donate smaller amounts will also be awarded a donation status, albeit at a lower rank. Furthermore, donations will be directed back to the region where they were spent.

[0026] In the following, one embodiment of the present invention will be described with reference to the drawings. In all drawings, similar components are denoted by the same reference numerals, and their descriptions are omitted as appropriate.

[0027] Figure 1 is a diagram illustrating the overview of an information processing device in an embodiment of the present invention. According to the embodiment of the present invention, the point system 1 includes an issuance unit 2 and a settlement unit 3. An example of the point system 1 is the management server 12 or point system 11, which will be described later.

[0028] When a user purchases goods or services at the first store where a store terminal is installed, the issuing unit 2 issues coupon information in response to a coupon point issuance request, within a coupon point issuance limit equivalent to the balance of the pre-deposited guarantee amount at the first store. The coupon point issuance request is information for requesting the issuance of coupon points corresponding to the payment amount for the purchase of goods or services, including user information that identifies the user obtained from the user terminal. The coupon information is coupon information for the requested coupon points, and is linked to the user information as owner information. An example of the issuing unit 2 is the issuing unit 24, which will be described later.

[0029] The settlement unit 3, in response to a settlement request from the store terminal of the first store regarding one or more coupon information issued at other stores and used to purchase goods or services, deducts a settlement fee calculated by multiplying the total amount of coupon points from the one or more coupon information by a predetermined rate from the balance of the first store's guaranteed amount, and adds an amount equivalent to the total amount to the balance of the first store's guaranteed amount.

[0030] This structure allows for the correction of fees borne by participating merchants and provides a user-friendly point system for consumers. More specifically, participating merchants can issue points up to the limit of a pre-deposited security deposit, thus reducing the burden of point-related costs. Furthermore, since settlement fees are calculated from the coupon value rather than the sales amount, the fees incurred by participating merchants in settlements can be reduced. As a result, it is expected that the portion of the cost equivalent to fees previously levied on product prices and service usage fees will be reduced, allowing consumers to benefit from cost savings and potentially increase repeat business at participating merchants.

[0031] In other words, with the above configuration, the fee structure can be reduced by changing from a method of calculating the fee by multiplying it by the settlement amount to a fee structure that is based on the transaction usage of the computer system in question. Furthermore, compared to conventional point systems that calculate settlement fees from the sales amount, the point system according to the present invention is groundbreaking because it issues points up to the limit of the deposited security deposit and calculates settlement fees from the coupon value.

[0032] When a user terminal requests a donation of coupon points from one or more coupon information sources, the settlement unit 3 deducts the settlement fee and the donation amount from the balance of the guaranteed amount of the coupon issuer associated with the coupon information, and then transfers the donation amount to the recipient's account.

[0033] This structure allows those who receive points but do not use them to choose to donate, and it can motivate those who do not receive points or those who are positive about donating or volunteering to participate in the point system and actively donate.

[0034] Furthermore, by configuring it in this way, it can function not only as a points system as described above, but also as a donation system.

[0035] When the issuing unit 2 transfers the donation amount to the recipient's account, it awards donation points to the user and sends a status image to the user's terminal indicating the degree of social contribution made through the donation, based on the total amount of donation points accumulated over a predetermined period.

[0036] By structuring the system in this way, the awarding of donation points and the granting of status based on the total number of donation points received can serve as an incentive for donating, whether you receive points but don't use them, whether you don't receive points, or whether you are positive about giving or volunteering.

[0037] The issuing unit 2, in response to a request from the first store terminal, issues at least one of the following coupon images: a first coupon image that can be used at other stores and can also be used for donations, and a second coupon image that can only be used at the first store, can display advertisements related to the first store, and cannot be used for donations. An example of the first coupon image is the Type A coupon described later. An example of the second coupon image is the Type B coupon described later.

[0038] This structure allows participating stores to issue coupons that can be used at other stores, coupons that can only be used at their own store, or both, at their own discretion. Furthermore, the second coupon image can include the store's advertisement, allowing for increased store appeal and advertising effectiveness.

[0039] Issuing Unit 2 issues coupon images associated with non-fungible tokens (NFTs) that are managed by the owner.

[0040] By structuring it in this way, the non-fungible token proves that the coupon image data belongs to its owner, clearly establishing ownership. Therefore, ownership is protected, and tampering and theft can be prevented.

[0041] Figure 2 shows an example of the overall configuration of the point system in this embodiment. The point system 11 includes a management server 12, one or more store terminals 13, one or more user terminals 14, and a communication network 15. The management server 12, store terminals 13, and user terminals 14 are connected to the communication network 15 by wireless or wired connections.

[0042] The user terminal 14 is an information and communication terminal owned or possessed by the user (customer) and having information and communication functions, such as an electronic device like a smartphone, personal computer, or tablet computer. The user terminal 14 can communicate with the management server 12 using a public encryption scheme with a private key and a public key pair. The user accesses the management server 12 via the communication network 15 using a web browser or a dedicated application (dedicated app) installed on the user terminal 14 and uses various functions related to point granting and management. Specifically, the dedicated app has an NFT wallet function for receiving coupon images (NFT images), which will be described later, and for sending coupons when using them. The NFT wallet is associated with the wallet address and the private key information stored in the wallet, and is managed by the dedicated app. Hereinafter, the wallet address will be referred to as the owner address.

[0043] The store terminal 13 is an information and communication terminal with information and communication functions installed in each store (for example, store A, store B, etc.), and is an electronic device such as a smartphone, personal computer, or tablet computer. Store A and store B are different member stores. The store terminal 13 is connected to a reader that can read two-dimensional codes or IC (Integrated Circuit) chips, and can read information from them. The store terminal 13 may be, for example, a POS register or dedicated device that can read two-dimensional codes with information and communication functions. The store terminal 13 can communicate with the management server 12 using a public encryption scheme with a private key and a public key pair. Store staff access the management server 12 via the communication network 15 using a web browser or a dedicated application (dedicated app) installed on the store terminal 13 and use various functions related to point accrual and management. Specifically, the dedicated app has an NFT wallet function for receiving coupon images (NFT images) described later and sending coupons when using them. NFT wallets are associated with a wallet address and the private key information stored in the wallet, and are managed using a dedicated application.

[0044] The management server 12 is a server device (information processing device) with information communication capabilities, which processes information in response to requests from the store terminal 13 or user terminal 14 and responds with the processing results. The management server 12 can communicate with the store terminal 13 or user terminal 14 using a public encryption scheme with a private key and public key pair. The management server 12 executes the server-side program for the dedicated application described above. The server-side program for the dedicated application has an NFT wallet function for sending coupon images (NFT images), which will be described later, and receiving coupon images when coupons are used. The NFT wallet is associated with an address and private key information stored in the wallet, and is managed by the dedicated application.

[0045] The management server 12 may be a server system composed of one or more physical information processing devices, or it may be a virtual server system composed of one or more virtual server devices.

[0046] Figure 3 is a functional block diagram of the management server 12 in this embodiment. The management server 12 includes a control unit 21 and a storage unit 31. The control unit 21 functions as an authentication unit 22, a settlement unit 23, and an issuance unit 24 by reading and executing the program in this embodiment.

[0047] The authentication unit 22 identifies the requester (store terminal 13, user terminal 14), checks the content of the request as necessary, and processes the request. For example, depending on the received request, the authentication unit 22 verifies that the owner of the coupon in question matches the requester, the total amount of points on the coupon, and whether the coupon is unused, unpaid, or undonated.

[0048] The settlement unit 23 deducts the amount corresponding to the coupon points from the store's pre-deposited guarantee amount (balance) in response to a settlement request. Furthermore, if a user requests a donation, the settlement unit 23 deducts the amount corresponding to the coupon points from the store's guarantee amount (balance) that issued the coupon and transfers it to the recipient's account. The settlement unit 23 also awards donation points based on the amount of the user's donation.

[0049] The issuing unit 24 issues coupon information generated based on coupon points within the limit of the store's pre-deposited guarantee amount (balance). At this time, the coupon information issues a coupon image linked to the user information as owner information.

[0050] Here, the issuing unit 24 issues an NFT (Non-Fungible Token) related to the pre-registered coupon image data. In other words, the issuing unit 24 converts the pre-registered coupon image data into an NFT. Specifically, for example, when the issuing unit 24 receives a coupon issuance request in response to an operation on an interface (not shown) displayed on the display unit of the user terminal 14, it generates an NFT identifier (NFTID) associated with the coupon image data. Here, the NFTID is information for uniquely identifying the NFT within the same smart contract. The issuing unit 24 then generates a code containing metadata including the generated NFTID and transmits it to the blockchain network (not shown). This allows the coupon image data to be converted into an NFT.

[0051] Furthermore, the issuing unit 24 transmits status information (an image showing the donation status) indicating the degree of social contribution through donations to the user terminal 14, according to the total number of donation points accumulated during a predetermined period.

[0052] The memory unit 31 stores, for example, a store management DB 32, a customer management DB 33, a point issuance limit management DB 34, a coupon management DB 35, and image data 36. The store management DB 32 is a database that stores information about each store (affiliate store) participating in the point system 11 (e.g., store ID, store name, telephone number, email address, etc.). The customer management DB 33 is a database that stores information about each user participating in the point system 11 (e.g., user ID, name, telephone number, email address, owner address, etc.) and donation points, which will be described later. The point issuance limit management DB 34 is a database that manages the deposits that each store has deposited in advance as the point issuance limit for each store. The coupon management DB 35 is a database that manages information about issued coupons. The image data 36 is image data such as coupon image data and status images. Ownership of this image data is protected by non-fungible tokens.

[0053] Figure 4 illustrates an example of the data structure of the point management database and an example of coupon types in this embodiment. Hereinafter, each record registered in the point issuance limit management DB34 may be referred to as point issuance limit management information or point issuance limit information. Similarly, each record registered in the coupon management DB35 may be referred to as coupon management information or coupon information.

[0054] In Figure 4(A), the point issuance limit management DB34 includes data items such as "Store Name," "Guaranteed Amount," "Point Issuance Amount," and "Coupon Holding Amount." The "Store Name" item stores information that identifies the store (e.g., store ID). The "Guaranteed Amount" item stores the current guaranteed amount (balance) (the "Guaranteed Amount" item initially stores the guaranteed amount deposited by the store, but is updated sequentially as points are issued, and settlement / donation processing occurs). The "Point Issuance Amount" item stores the number of points issued by the store. The "Coupon Holding Amount" item stores the total points of coupons (unsettled) currently held by the store.

[0055] In Figure 4(B), the coupon management DB35 includes data items such as "serial number," "issuer," "owner information," "coupon point amount," "type," "usage flag," and "payment / donation flag." The "serial number" item stores the serial number that identifies the issued coupon. The "issuer" item stores information that identifies the issuer (store) (e.g., store ID). The "owner information" item stores information that identifies the owner of the issued coupon (e.g., user ID, store ID, or owner address). The "type" item stores information that determines the type of coupon (e.g., type A, type B). The "usage flag" item stores flag information that indicates the usage status of the coupon (0: unused, 1: used). The "payment / donation flag" item stores flag information that indicates the payment or donation status of the coupon (0: unpaid (not donated), 1: paid, 2: donated).

[0056] In this embodiment, as an example, as shown in Figure 4(C), there are two types of coupons: Type A coupons and Type B coupons. Type A coupons offer points, for example, where 1 yen equals 1 point (P). Type A coupons can be used not only at the issuing store but also at stores other than the issuing store, and it is also possible to donate the points displayed on the face value. In Type A coupons, the point amount is linked to the owner information. In addition, while the design of the coupon image is predetermined for Type A coupons, a field for issuing store information is provided.

[0057] Type B coupons can be issued at the discretion of a store for purposes such as discount coupons or advertising, and can be used as discount coupons for issuing the coupon or transferred to others. The image of the Type B coupon has the point amount written on it. Type B coupons can be used at the store of the issuing business operator and cannot be used at other stores. In addition, although the design of the image of the Type B coupon is predetermined, there is a section that can be used to advertise the issuing business operator's store. Transferable Type B coupons can be transferred between user terminals 14 using a file sharing function, for example, or transferred between customers via a dedicated application.

[0058] The Type A and Type B coupons issued to the user may be stored on a designated server (for example, a cloud server), managed using a dedicated application, or stored on the user terminal 14.

[0059] Figure 5 illustrates an example of the display screen of a dedicated application installed on the user terminal 14 in this embodiment. Figure 5(A) shows an example of the coupon redemption screen 41. The coupon redemption screen 41 displays a two-dimensional code that identifies the user. By reading this two-dimensional code using the store terminal 13, the user can receive a newly issued coupon.

[0060] Figure 5(B) shows an example of the coupon usage screen 42. The coupon usage screen 42 displays the coupon to be used and a two-dimensional code that identifies that coupon. By scanning this two-dimensional code using the store terminal 13, the user can use the coupon when paying for goods purchased at the store.

[0061] Figure 5(C) shows an example of the coupon list screen 43. The coupon list screen 43 displays a list of coupons that the user currently possesses, i.e., coupons owned by the user (including Type A coupons and Type B coupons).

[0062] Figure 5(D) shows an example of the payment (donation) screen 44. On the payment (donation) screen 44, the user selects the coupon they wish to donate and the recipient organization, and then presses the "Donate" button 45 to donate an amount equivalent to the points on the selected coupon to the designated organization. The recipient organization can be, for example, an organization that provides support for children, and users can select organizations not only in Tokyo but also in other regions.

[0063] Figure 6 illustrates the transaction patterns of the point system in this embodiment. Four transaction patterns are envisioned: Transaction 1: Coupon issuance, Transaction 2: Coupon use (use at the issuing store), Transaction 3: Coupon use (use at another store), and Transaction 4: Settlement (coupon expiration). Participating merchants in the point system are required to pay a basic merchant fee. The basic merchant fee may have a transaction limit, and an additional fee may be charged if this limit is exceeded.

[0064] First, let's explain Transaction 1: Coupon Issuance. The fee for issuing coupons is included in the merchant fee. In this case, a coupon (Type A / Type B coupon image) linked to the user's information is issued as owner information. There is generally no fee. Users can receive Type A / Type B (A only or both) coupon images. The coupon issuance limit is within the issuer's deposit (balance). There are two types of coupons: Type A, which can be used at other stores, and Type B, which can only be used at the issuer's store. Both can be issued within the issuance limit.

[0065] Next, we will explain transaction 2: using a coupon (using it at the issuing store). The fee for using a coupon is included in the merchant fee. The owner information of the used coupon is updated at the store (issuing store). The issuance limit is also returned in the form of points. Users can use both Type A and Type B coupons issued by the issuing store at that store. Furthermore, users can use Type A coupons issued by other stores at the same time.

[0066] Next, we will explain transaction 3: using a coupon (using it at another store). The fee for using a coupon is included in the merchant fee. The owner information of the used coupon will be updated to the other store (the store where the coupon was used). You can use Type A coupons issued by other stores.

[0067] Next, we will explain transaction 4: settlement (coupon expiration). When a merchant settles a coupon it holds, a settlement fee of K% of the coupon's face value (K: any integer, e.g., 5%) is incurred. The settlement amount (face value minus the K% fee) for Type A coupons issued by other stores is transferred to the merchant's account. Also, the settlement amount (face value, no fee) for Type A / Type B coupons issued by the merchant itself is transferred to the merchant's account. A K% fee is charged for settlement (redemption) of unused coupons.

[0068] When a user donates a coupon they possess, they are not charged any fees. Users can use unused Type A coupons to make a "donation to support children." Users can also specify the region (prefecture) they wish to donate to and designate a recipient in that region.

[0069] Furthermore, for example, 1 coupon point (P) will be counted as 1 donation point (D). Users will be issued a donation status as a coupon donation certificate. The donation status will be awarded according to the number of points donated by the user over a specified period (for example, one year). When a Type A coupon is used for donation payment, the issuing merchant will have the coupon face value plus a K% commission deducted from their account.

[0070] Figure 7 illustrates the coupon issuance phase (transaction 1) in this embodiment. For example, it is assumed that user A has installed the dedicated application according to this embodiment on user terminal 14 and has completed user registration. In the following example, it is assumed that a coupon worth 1% of the payment amount is issued as points. The coupon type is, for example, type A.

[0071] First, user A pays 10,000 yen in cash for product A at store A (S11). At this time, user A displays the coupon redemption screen 41 on user terminal 14 and shows it to the store clerk. The store clerk reads the two-dimensional code displayed on the coupon redemption screen 41 using the two-dimensional code reader on store terminal 13.

[0072] The store terminal 13 sends a coupon issuance request to the management server 12 for user A, worth N (N: integer) points (S12). In this example, the store terminal 13 sends a coupon issuance request to the management server 12 for user A, worth 100 points, which is 1% of the price of 10,000 yen. The coupon issuance request includes the issuing business (store A), user information (user A, owner address), the number of points to be issued (N), and the coupon type.

[0073] When the management server 12 receives a coupon issuance request, it retrieves the issuing business, user information, the number of points requested, and the coupon type. The management server 12 retrieves the issuing business's point issuance limit from the point issuance limit management DB 34, deducts an amount equivalent to the requested points from the point issuance limit (deposit balance), and issues coupon information for N points (S13). In this example, the management server 12 retrieves the point issuance limit for store A from the point issuance limit management DB 34, deducts 100 yen from the point issuance limit (deposit balance), and sends a notification to the store terminal 13 that the issuance of 100-point coupon information is complete. Furthermore, the management server 12 sends 100-point coupon information to the user terminal 14 based on the user information. At this time, the management server 12 newly registers the issued coupon information in the coupon management DB 35, managing it with store A as the issuing business and user A as the owner.

[0074] Store A delivers a coupon to the user via the management server 12 (S14). Specifically, the store terminal 13 receives notification that the N-point coupon information has been issued. At the same time, the user terminal 14 receives the coupon information sent from the management server 12. In this example, the store terminal 13 receives notification that the 100-point coupon information has been issued, and the user terminal 14 receives the 100-point coupon information from the management server 12. As a result, user A can receive a coupon worth 100 points, which is 1% of the 10,000 yen paid in cash.

[0075] In this example, we used a Type A coupon for explanation, but Store A may request the issuance of a limited coupon (Type B coupon) that can only be used at Store A, instead of a Type A coupon that can be used at any store. Alternatively, some of the issued coupons may be Type A coupons and the rest may be Type B coupons.

[0076] Figure 8 illustrates the coupon usage phase (Transaction 2 / Transaction 3) in this embodiment. User A uses coupon points to pay for part or all of the purchase price of goods at either store A or store B. First, we will explain the case where a Type A coupon issued at store A is used at store A (Transaction 2).

[0077] When user A pays for a purchase at store A, user A operates user terminal 14 to select the N-point coupon to be used and performs the prescribed operation to display the coupon usage screen 42. Store terminal 13 reads the two-dimensional code displayed on the coupon usage screen 42 using a two-dimensional code reader.

[0078] The store terminal 13 obtains user information (user ID) and the coupon serial number from its QR code and sends a coupon usage request to the management server 12. The coupon usage request includes user information (user ID), store information (in this case, store A), and the serial number of the coupon information.

[0079] When the management server 12 receives a coupon usage request, it obtains user information (user ID), store information, and the coupon's serial number. The management server 12 reads the coupon information corresponding to the obtained coupon's serial number from the coupon management DB 35 and verifies that the coupon owner matches the user information, the total point value of the coupons to be used, and that the coupon is unused. In the coupon management DB 35, the management server 12 changes the owner information of the selected coupon information from user A to store A and changes the usage flag from "0: unused" to "1: used". The management server 12 notifies the store terminal 13 that the coupon has been used (S21).

[0080] Then, user A pays the remaining amount of the purchase price of the goods in cash, after deducting the amount used by the coupon (S23). The store terminal 13 requests the management server 12 to issue coupon points corresponding to the purchase price of the goods for user A. From this point on, the procedure is the same as in transaction 1 (Figure 7). In this example, user A can pay the purchase price of goods B, 800 yen, with 700 yen in cash and a type A coupon (the coupon information selected above).

[0081] The store terminal 13 requests the management server 12 to issue a coupon for user A worth 8 points, which is 1% of the 800 yen payment. From this point onward, an 8-point Type A coupon is issued according to the procedure of transaction 1 and delivered to user A via the management server 12 (S24).

[0082] Store A may request the issuance of an exclusive 8-point coupon (Type B coupon) that can only be used at Store A, instead of an 8-point Type A coupon that can be used at any store (S25). Alternatively, some of the issued coupons may be Type A coupons and the rest may be Type B coupons.

[0083] Next, we will explain the case where a Type A coupon issued at Store A is used at Store B (a store other than the issuing company) (Transaction 3). The difference from Transaction 2 is that in the coupon management DB35, the owner information of the selected coupon information is changed from User A to Store B instead of Store A.

[0084] In addition, in S21 of transaction 2, the user may operate the user terminal 14 to select the N-point coupon to be used and the store to use it at, perform the prescribed operation, and send a coupon usage request to the management server 12.

[0085] Figure 9 illustrates the coupon payment phase (transaction 4) in this embodiment. First, we will explain the case where store A has 1101 points worth of used coupons and wishes to pay for (cash out) them.

[0086] At present, let's assume that store A's point issuance limit information is, for example, guaranteed amount: 27,891.00 yen, points issued: 2109 points, and coupon balance: 1101 points.

[0087] The store clerk uses the store terminal 13 to launch a dedicated application and specifies the coupon to be used for payment from among the coupons owned by store A. The store terminal 13 then receives a payment request from the management server 12 for the coupon to be used for payment (S61). The payment request includes the store information (store ID) and the serial number of the coupon information. In this example, the store clerk operates the store terminal 13 to instruct the payment of a coupon worth 1101 points.

[0088] When the management server 12 receives the payment request, it obtains the store information (store ID) and the serial number of the coupon information to be paid for. The management server 12 reads the coupon information corresponding to the obtained coupon serial number from the coupon management DB 35 and verifies that the coupon owner matches the store information, the total point value of the coupon to be paid for, and whether the coupon is unpaid or not.

[0089] The management server 12 retrieves point issuance limit information corresponding to the store information from the point issuance limit management DB 34. The management server 12 calculates the settlement fee by multiplying the points of the coupon to be paid by a settlement fee of K (K: integer)%.

[0090] The management server 12 adds the amount equivalent to the points of the coupon to be paid to the guaranteed amount (balance) in the points issuance limit information, and updates the guaranteed amount (balance) by subtracting the payment fee. Furthermore, the management server 12 subtracts the number of points paid from the coupon amount in the points issuance limit information. After that, the management server 12 notifies the store terminal 13 that the payment has been completed (S31).

[0091] In this example, when the management server 12 receives a payment request for a coupon worth 1101 points from the store terminal, it calculates a payment fee of 55.05 yen by multiplying 1101 points by, for example, a 5% payment fee. The management server 12 extracts the point issuance limit information for store A from the point issuance limit management DB 34 and updates the guaranteed amount (balance) to 28,936.95 yen by adding 1101 yen to the guaranteed amount (balance) of 27,891.00 yen and subtracting the payment fee of 55.05 yen. Furthermore, the management server 12 sets the coupon amount in store A's point issuance limit information to 0 points.

[0092] Next, we will explain payment through a user donation. The user displays the payment (donation) screen 44 on the user terminal 14, selects the Type A coupon they wish to donate and the recipient institution, facility, or organization (hereinafter referred to as the recipient), and presses the "Donate" button 45. In this example, a Type A coupon worth 1000 points is selected.

[0093] The user terminal 14 then sends a donation request for the selected N-point coupon to the management server 12. The donation request includes user information (user ID), the serial number of the coupon to be donated, and recipient information. In this example, the user terminal 14 sends a donation request for the selected 1000-point coupon to the management server 12.

[0094] When the management server 12 receives a donation request, it retrieves user information (user ID), the serial number of the coupon information to be donated, and the recipient information. The management server 12 reads the coupon information corresponding to the serial number of the retrieved coupon from the coupon management DB 35 and verifies that the coupon owner matches the user information, the total point amount of the coupon to be donated, whether the coupon is unpaid or undonated, and the issuing company. The management server 12 retrieves the point issuance limit information corresponding to that issuing company from the point issuance limit management DB 34. In this example, when the management server 12 receives a donation request for the 1000-point coupon, it identifies the issuing company of the coupon information (in this example, store A) and extracts the point issuance limit information for store A from the point issuance limit management DB 34.

[0095] The management server 12 calculates the payment fee by multiplying the points of the coupon to be donated by a K% payment fee. In this example, the management server 12 calculates a payment fee of 50 yen by multiplying 1000 points by a 5% payment fee.

[0096] The management server 12 updates the guaranteed amount (balance) in the points issuance limit information by subtracting the amount equivalent to the points of the donated coupons plus the settlement fee. Furthermore, the management server 12 subtracts the number of points donated from the coupon issuance amount in the points issuance limit information (S32).

[0097] The management server 12 transfers an amount equivalent to the points of the coupon to be donated to the recipient financial institution's account, and the transfer is completed (S33). The management server 12 notifies the user terminal 14 that the donation is complete. The donation completion notification also includes the donation points corresponding to the donated coupon points. In this example, the management server 12 deducts 1,050 yen from the guaranteed amount of the point issuance limit information for store A, which is 1,000 yen equivalent to 1,000 points plus a settlement fee of 50 yen, and then updates the amount by deducting 1,000 points from the point issuance amount. Then, the management server 12 transfers an amount equivalent to 1,000 points to the recipient financial institution's account.

[0098] Subsequently, the management server 12 assigns a status to user A who made a donation, according to the total number of points donated by the user within a predetermined period (for example, one year) (S34). As a status, for example, an image showing the donation status according to the total number of points donated within the predetermined period (for example, one year) is sent to the user terminal 14.

[0099] Figure 10 is a flowchart showing an example of the processing at a store terminal in this embodiment. The store terminal 13 receives instructions from the store clerk (S71). If the instructions from the store clerk are for cash payment processing (NO in S72, NO in S73), the store terminal 13 reads the two-dimensional code on the coupon redemption screen (Figure 5(A)) displayed on the user terminal 14 via the two-dimensional code reader and obtains user information (user ID, owner address) from the two-dimensional code (S74). Then, the store terminal 13 processes the cash payment (S75).

[0100] The store terminal 13 sends a request to the management server 12 to issue a coupon for N points corresponding to the payment amount (S80). The store terminal 13 receives a notification from the management server 12 that the N point coupon has been issued (S81). User A can view the issued N point coupon image using a dedicated application.

[0101] Furthermore, if the store clerk's instructions are for payment by cash and coupon or by coupon only (NO in S72, YES in S73), the store terminal 13 reads the two-dimensional code on the coupon usage screen (Figure 5(B)) displayed on the user terminal 14 via the two-dimensional code reader, and obtains user information (user ID) and the serial number of the coupon to be used from the two-dimensional code (S76).

[0102] The store terminal 13 sends a coupon usage request to the management server 12 (S77). The coupon usage request includes user information (user ID) and the serial number of the coupon to be used. Subsequently, the store terminal 13 receives a coupon usage completion notification from the management server 12 (S78).

[0103] If there is a cash payment (YES in S79), the store terminal 13 processes S75, S80-S81. If there is no cash payment (NO in S79), the store terminal 13 processes S80-S81.

[0104] Furthermore, if the instructions from the store clerk are for coupon payment (redemption) (YES in S72), the store terminal 13 sends a payment request to the management server 12 regarding the coupon specified by the store clerk (S82). The coupon usage request includes the store ID and the serial number of the coupon to be paid for. Subsequently, the store terminal 13 receives a payment completion notification from the management server 12 (S83).

[0105] Figure 11 is a flowchart showing an example of the processing performed by the management server 12 in this embodiment. The management server 12 receives a request from the store terminal 13 or the user terminal 14 (S91).

[0106] If the acquired request is a coupon issuance request (proceed to (A) in S92), the management server 12 acquires the requesting party (issuing business operator (store information)), user A's user information (including user ID and owner address), the number of points for the issuance request, and the coupon type from the coupon issuance request. If the owner address is not registered, the management server 12 registers the owner address in the customer management DB 33 based on the user ID. The management server 12 acquires the point issuance limit information of the issuing business operator from the point issuance limit management DB 34 (S101).

[0107] The management server 12 determines whether the number of points requested for issuance is within the guaranteed amount (balance) of the point issuance limit information (S102). If the number of points requested for issuance exceeds the guaranteed amount (balance) of the point issuance limit information (NO in S102), the management server 12 sends an error notification to the store terminal 13 indicating insufficient guaranteed amount (balance) (S108).

[0108] If the number of points N requested for issuance is within the range of the guaranteed amount (balance) in the point issuance limit information (YES in S102), the management server 12 deducts an amount equivalent to the requested points (coupon point amount) from the point issuance limit (guarantee balance) (S103).

[0109] The management server 12 registers the coupon information for the N points (issuing company, user information, serial number, coupon point amount, coupon type, usage flag = unused, payment / donation flag = unpaid (not donated)) in the coupon management DB 35 (S104).

[0110] The management server 12 generates a coupon image using image data 36 based on the registered coupon information (S105). If the coupon type is "Type A", the management server 12 obtains a Type A image from the image data 36 and writes the coupon point amount to the image. At this time, the management server 12 may also write owner information to the image. If the coupon type is "Type B", the management server 12 obtains a Type B image from the image data 36 based on the issuer information and writes the coupon point amount to the image. The Type B image may include advertising images appropriate to the issuer. The management server 12 stores the generated coupon image in the storage unit 31.

[0111] The management server 12 provides the generated coupon image to user A (S106). That is, the management server 12 generates an NFTID associated with the generated coupon image data. The management server 12 then records the generated NFTID, contract address, the owner address of the coupon image (customer's owner address), reference information to the storage location of the coupon image (Uniform Resource Locator: URL), etc., on a blockchain (not shown). As a result, user A can access the coupon image using a dedicated application. The management server 12 sends a notification to the store terminal 13 that the N-point coupon has been issued. As a result, ownership of this image data is protected by non-fungible tokens.

[0112] If the acquired request is a coupon redemption request (proceed to (B) in S92), the management server 12 obtains user information, store information, and the serial number of the coupon information from the coupon redemption request (S111).

[0113] The management server 12 reads coupon information corresponding to the serial number of the acquired coupon from the coupon management DB 35, and verifies that the coupon owner matches the user information, the total point value of the coupons to be used, and that the coupons are unused (S112).

[0114] If the coupon owner does not match the user information, or if the coupon has already been used (NO in S113), the management server 12 sends an error notification to the store terminal 13 (S116).

[0115] If the user information matches and the coupon is determined to be unused (YES in S113), the management server 12 changes the owner information of the coupon in the coupon management DB 35 to the store that used it, and changes the usage flag from "0: Unused" to "1: Used" (S114). The management server 12 also executes the process to change the owner of the coupon image to the store that used it, based on the administrator function of the smart contract. The management server 12 notifies the store terminal 13 that the coupon has been used (S115).

[0116] If the acquired request is a payment request (proceed to (C) in S92), the management server 12 obtains the store information (store ID) and the serial number of the coupon information from the payment request (S121).

[0117] The management server 12 reads coupon information corresponding to the serial number of the acquired coupon from the coupon management DB 35, and verifies that the coupon owner matches the store information, the total amount of points for the coupon to be paid, and that the coupon is unpaid (or not donated) (S122).

[0118] If the coupon holder does not match the store information, or if the coupon has already been paid for or donated (NO in S123), the management server 12 sends an error notification to the store terminal 13 (S130).

[0119] If the user information matches and it is determined that the coupon is unpaid or undonated (YES in S123), the management server 12 retrieves the point issuance limit information corresponding to the store information from the point issuance limit management DB 34 (S124).

[0120] The management server 12 updates the guaranteed amount (balance) of the point issuance limit information by adding the amount equivalent to the points of the coupon to be paid (S125).

[0121] The management server 12 determines, based on the coupon management DB 35, whether the issuer and owner of the coupon to be settled are different (S126). If the management server 12 determines that the issuer and owner of the coupon to be settled are the same (NO in S126), the process proceeds to S128. If the management server 12 determines that the issuer and owner of the coupon to be settled are different (YES in S126), the management server 12 calculates a settlement fee by multiplying the points of the coupon to be settled by a predetermined settlement fee rate K (for example, 5%). The management server 12 updates the guaranteed amount (balance) of the point issuance limit information by the amount obtained by subtracting the settlement fee (S127).

[0122] The management server 12 changes the owner information of the coupon information in the coupon management DB 35 to the administrator and updates the payment / donation flag of the coupon information in the coupon management DB 35 to settled (S128). In addition, the management server 12 executes the process to change the owner of the coupon image to the administrator on the blockchain network as described above, based on the administrator function of the smart contract. The management server 12 sends a payment completion notification to the store terminal 13 (S129).

[0123] If the acquired request is a donation request (proceed to (D) in S92), the management server 12 acquires user information (user ID), the serial number of the coupon information to be donated, and the recipient information from the donation request (S141).

[0124] The management server 12 reads coupon information corresponding to the serial number of the acquired coupon from the coupon management DB 35, and verifies that the coupon owner matches the user information, the total point amount of the coupons to be donated, and that the coupons are unpaid (or not donated) (S142).

[0125] If the coupon holder does not match the user information, or if the coupon has already been paid for or donated (NO in S143), the management server 12 sends an error notification to the user terminal 14 (S149).

[0126] If the user information matches and it is determined that the coupon is unpaid or undonated (YES in S143), the management server 12 identifies the issuing company from the coupon information obtained from the coupon management DB 35. The management server 12 then obtains the point issuance limit information corresponding to that issuing company from the point issuance limit management DB 34 (S144).

[0127] The management server 12 calculates a settlement fee by multiplying the points of the coupon to be donated by a predetermined settlement fee rate of K% (for example, 5%). The management server 12 updates the guaranteed amount (balance) of the point issuance limit information by subtracting the amount equivalent to the points of the coupon to be settled (settlement amount) and the settlement fee from the guaranteed amount (balance) of the point issuance limit information (S145).

[0128] The management server 12 changes the owner information of the coupon information in the coupon management DB 35 to the administrator and updates the settlement / donation flag of the coupon information in the coupon management DB 35 to donated (S146). In addition, the management server 12 executes the process to change the owner of the coupon image to the administrator on the blockchain network as described above, based on the administrator function of the smart contract. Based on the recipient information, the management server 12 transfers the settlement amount to the bank (Bank X) where the recipient account is held (S147).

[0129] The management server 12 sends a donation completion notification to the user terminal 14 (S148). The donation completion notification also includes donation points corresponding to the donated coupon points. For example, 1 donation point is issued for every 1 coupon point. The management server 12 adds the donation points issued this time to the donation points for each user in the customer management DB 33.

[0130] The management server 12 assigns a donation status to user A based on the total number of points donated by the user within a predetermined period (for example, one year). At the end of the predetermined period, the management server 12 aggregates the donation points for each user using the customer management DB 33. The management server 12 retrieves a donation status image (for example, a medal design image) from the image data 36 according to the aggregated donation points. For example, a bronze status image is selected for donations of 1 to 9,999 points, a silver status image for donations of 10,000 to 99,999 points, and a gold status image for donations of 100,000 or more points. The management server 12 sends the donation status image to the user terminal 14 for each user.

[0131] Furthermore, while the ownership of coupons was verified using the coupon management DB35 in S112, S122, and S142, this is not the only method of verification. For example, verification may also be performed by referring to the ownership and transaction history of the coupon image recorded in the blockchain.

[0132] Figure 12 is an example of a block diagram of the hardware environment of a computer that executes the program in this embodiment. Computer 201 may be a management server 12, a store terminal 13, or a user terminal 14. Computer 201 consists of a CPU 202, ROM 203, RAM 204, storage device 205, input I / F 206, output I / F 207, communication I / F 208, reader 209, and bus 210.

[0133] Here, CPU refers to the central processing unit. ROM refers to read-only memory. RAM refers to random access memory. I / F refers to the interface. Bus 210 may be connected to CPU 202, ROM 203, RAM 204, storage device 205, input I / F 206, output I / F 207, communication I / F 208, and optionally a reader 209.

[0134] The CPU 202 reads the program according to this embodiment from the storage device 205 and, for example, when functioning as a management server 12, executes the program as the authentication unit 22, payment unit 23, and issuance unit 24. ROM 203 is read-only memory. RAM 204 is temporary storage memory.

[0135] The storage device 205 is a device for storing large amounts of information. Various types of storage devices can be used as the storage device 205, such as hard disks, solid-state drives (SSDs), and flash memory cards. For example, when functioning as the storage unit 31 of the management server 12, the storage device 205 stores programs according to the embodiment of the present invention and various data (including databases) stored in the storage unit 31.

[0136] Input I / F206 can be connected to input devices such as keyboards, mice, electronic cameras, webcams, microphones, scanners, sensors, tablets, touch panels, and information reading devices. Output I / F207 can be connected to output devices such as displays, touch panels, projectors, printers, and speakers.

[0137] Communication I / F 208 is an interface such as a port for connecting to a communication network and communicating with other devices. The communication network may be the Internet, a local area network (LAN), a wide area network (WAN), a dedicated line, wired, wireless, or other communication network. Reader 209 is a device for reading portable recording media.

[0138] Some or all of these components may be implemented by hardware (including circuitry) such as LSI (Large Scale Integration), ASIC (Application Specific Integrated Circuit), FPGA (Field-Programmable Gate Array), and GPU (Graphics Processing Unit), or by the collaboration of software and hardware.

[0139] The program that implements the processing described in the above embodiment may be stored, for example, in the storage device 205 via a communication network and communication interface 208 from the program provider. Alternatively, the program that implements the processing described in the above embodiment may be stored in a commercially available and distributed portable storage medium. In this case, the portable storage medium may be set in the reader 209, and the program may be read and executed by the CPU 202. Various types of storage media can be used as portable storage media, such as CD-ROMs, flexible disks, optical disks, magneto-optical disks, IC cards, USB memory devices, and semiconductor memory cards. The program stored in such a storage medium is read by the reader 209.

[0140] Furthermore, the program may be installed on a standalone computer, or it may be installed on a cloud computer and only its functionality may be provided to the user.

[0141] According to this embodiment, it is possible to correct the fees borne by member stores and provide a point system that is easy for consumers to use. Furthermore, by changing the mechanism of the existing point system itself, such as paying a settlement fee calculated by multiplying the face value of points by a predetermined rate, it is possible to correct hidden fees.

[0142] Furthermore, those who receive points but do not use them can choose to donate, and those who do not receive points or who are positive about donations and volunteer activities may be motivated to participate in the point system and actively donate.

[0143] Furthermore, the donations do not have to come entirely from Tokyo; it is also possible to have local consumption donated to local communities. For example, if the point system 11 in this embodiment is deployed in a specific region, the donation recipients may be set to be designated facilities (child support facilities) located in that region.

[0144] The embodiments of this specification have been described above based on the embodiments and modifications described above. The embodiments described above are for the purpose of facilitating understanding of this specification and do not limit it. This specification may be modified and improved without departing from its spirit and the scope of the claims, and equivalents thereof are included in this specification. Furthermore, any technical features that are not described as essential in this specification may be deleted as appropriate. [Explanation of Symbols]

[0145] 1. Information Processing Device 2. Publishing Department 3. Payment Department 11 Point System 12 Management Server 13 Store terminals 14 User terminals 15 Communication Networks 21 Control Unit 22 Authentication Department 23 Payment Department 24 Publishing Department 31 Storage section 32 Store Management Database 33 Customer management DB 34 Point Issuance Limit Database 35 Coupon Management Database 36 Image Data

Claims

1. A first storage unit that stores information regarding the issuance limit for the number of coupon points equivalent to the remaining balance of the guaranteed amount for each store, A second storage unit stores coupon-related information including coupon identification information that identifies coupons issued by each store, issuer information that identifies the store that issued the coupon, owner information that identifies the owner of the coupon, and information regarding the number of points issued. A coupon issuance request includes, received from a first store terminal which is a store terminal at the first store, user information that identifies the user obtained from a user terminal used by the user, the number of points eligible for coupon issuance corresponding to the payment amount for the purchase price of goods or services, and store information that identifies the first store. In response to a coupon issuance request, if the number of points in the issuance limit for the first store is equal to or greater than the number of points eligible for issuance, the coupon issuance number is subtracted from the number of points in the issuance limit for the first store, and the coupon identification information that identifies the coupon to be issued, owner information with the user in the user information as the owner, issuer information with the first store as the issuer, and the coupon-related information including the number of points eligible for issuance is registered in the second storage unit, and the coupon information relating to the registered coupon-related information issuance unit. A modification unit receives a coupon usage request from the first store terminal, which includes user information obtained from the user terminal and coupon information relating to points for a predetermined coupon, and coupon identification information that identifies the coupon information issued at any store, including the first store. The modification unit then retrieves the coupon-related information corresponding to the coupon identification information from the second storage unit in response to the coupon usage request, and if the owner information of the retrieved coupon-related information matches the obtained user information, it changes the owner indicated by the owner information of the retrieved coupon-related information to the first store. A settlement unit that, in response to a coupon settlement request received from the first store terminal, which includes store information identifying the first store and one or more coupon identification pieces of information, obtains coupon-related information corresponding to the coupon identification pieces of information from the second storage unit, and if the owner information and store information in the obtained coupon-related information match, and if the owner information and issuer information in the obtained coupon-related information are different, deducts a settlement fee calculated by multiplying the total number of points in the one or more coupon pieces of information by a predetermined rate from the number of points in the issuance limit for the first store, and adds the total number of points to the number of points in the issuance limit for the first store, A point system characterized by having the following features.

2. The settlement unit, in response to a donation request for the donation of points in a coupon, which includes user information obtained from the user terminal and coupon identification information that identifies the coupon information issued at any store, including the first store, obtains coupon-related information corresponding to the coupon identification information from the second storage unit, and if the owner information of the obtained coupon-related information matches the obtained user information, it subtracts the settlement fee for the donation amount equivalent to the points to be donated and the donation amount from the number of points in the issuance limit of the store in the issuer information corresponding to the coupon identification information to be donated, and transfers the donation amount to the recipient's account. The point system according to feature 1.

3. When the issuing unit transfers the donation amount to the recipient's account, it awards donation points to the user and transmits status information indicating the degree of social contribution through the donation to the user's terminal, based on the total amount of donation points accumulated over a predetermined period. The point system according to feature 2.

4. The issuing unit, in response to a request from the first store terminal, issues at least one of the following coupon images: a first coupon image that can be used at other stores and can also be used for donations, and a second coupon image that can only be used at the first store, can display advertisements related to the first store, and cannot be used for donations. The point system according to feature 1.

5. The issuing unit issues the coupon image associated with the non-fungible token managed by the owner. The point system according to feature 4.

6. On the computer, When a coupon issuance request is received from the first store terminal, which is a store terminal at the first store, and includes user information that identifies the user obtained from the user terminal used by the user, the number of points eligible for coupon issuance corresponding to the payment amount for the purchase price of goods or services, and store information that identifies the first store, if the number of points in the issuance limit for the first store, which is stored in the first storage unit that stores information on the number of coupon points equivalent to the balance of the guarantee amount of each store, issuance limit for the first store is greater than or equal to the number of points eligible for issuance, the number of points eligible for issuance is subtracted from the number of points in the issuance limit for the first store, coupon identification information that identifies the coupon to be issued, issuer information that designates the first store as the issuer of the coupon, owner information that designates the user in the user information as the owner of the coupon, and information on the number of points eligible for issuance is registered in the second storage unit, and coupon information relating to the registered coupon relation information is issued. In response to a coupon usage request received from the first store terminal, which includes user information obtained from the user terminal and coupon information relating to points for a predetermined coupon, and coupon identification information that identifies the coupon information issued at any store including the first store, the second storage unit retrieves the coupon relationship information corresponding to the coupon identification information, and if the owner information of the retrieved coupon relationship information matches the obtained user information, the owner indicated by the owner information of the retrieved coupon relationship information is changed to the first store. In response to a coupon payment request received from the first store terminal, which includes store information identifying the first store and one or more coupon identification pieces of information, the second storage unit retrieves coupon-related information corresponding to the coupon identification pieces of information. If the owner information and store information in the retrieved coupon-related information match, and the owner information and issuer information in the retrieved coupon-related information differ, a settlement fee calculated by multiplying the total number of points in the one or more coupon pieces of information by a predetermined rate is deducted from the number of points in the issuance limit for the first store, and the total number of points is added to the number of points in the issuance limit for the first store. A point system management program characterized by executing a process.

7. Computers When a coupon issuance request is received from the first store terminal, which is a store terminal at the first store, and includes user information that identifies the user obtained from the user terminal used by the user, the number of points eligible for coupon issuance corresponding to the payment amount for the purchase price of goods or services, and store information that identifies the first store, if the number of points in the issuance limit for the first store, which is stored in the first storage unit that stores information on the number of coupon points equivalent to the balance of the guarantee amount of each store, issuance limit for the first store is greater than or equal to the number of points eligible for issuance, the number of points eligible for issuance is subtracted from the number of points in the issuance limit for the first store, coupon identification information that identifies the coupon to be issued, issuer information that designates the first store as the issuer of the coupon, owner information that designates the user in the user information as the owner of the coupon, and information on the number of points eligible for issuance is registered in the second storage unit, and coupon information relating to the registered coupon relation information is issued. In response to a coupon usage request received from the first store terminal, which includes user information obtained from the user terminal and coupon information relating to points for a predetermined coupon, and coupon identification information that identifies the coupon information issued at any store including the first store, the second storage unit retrieves the coupon relationship information corresponding to the coupon identification information, and if the owner information of the retrieved coupon relationship information matches the obtained user information, the owner indicated by the owner information of the retrieved coupon relationship information is changed to the first store. In response to a coupon payment request received from the first store terminal, which includes store information identifying the first store and one or more coupon identification pieces of information, the second storage unit retrieves coupon-related information corresponding to the coupon identification pieces of information. If the owner information and store information in the retrieved coupon-related information match, and the owner information and issuer information in the retrieved coupon-related information differ, a settlement fee calculated by multiplying the total number of points in the one or more coupon pieces of information by a predetermined rate is deducted from the number of points in the issuance limit for the first store, and the total number of points is added to the number of points in the issuance limit for the first store. A method for managing a point system characterized by the following features.

Images