JP2023089044A - Apparatus, method and program for generation - Google Patents

Abstract

To improve the convenience of a user in settlement.SOLUTION: An apparatus for generation according to the present application comprises: a storage section that stores object-of-transaction information including identification information used to identify an object of transaction in settlement; an accepting section that accepts setting information about setting of a coupon applicable to the object of transaction from a provider of the object of transaction; and a generating section that generates a coupon applicable in settlement means that uses a user terminal a user uses, based on the setting information accepted by the accepting section and the object-of-transaction information, in which the settlement means identifies the object of transaction using the identification information.SELECTED DRAWING: Figure 1

Description

The present invention relates to a generation device, a generation method, and a generation program.

Conventionally, there is known a technique of giving a predetermined profit to a user who purchases a predetermined transaction object. As an example of such a technique, a technique has been proposed in which a discount coupon for an arbitrary product is issued, and discount payment for the product is made at the time of checkout at the cash register.

JP 2010-218483 A

However, the conventional technology described above is not always convenient for the user.

For example, in the above conventional technology, when making a payment, the consumer must present a coupon issued by a coupon issuing device installed in the store, and the coupon using device must read the coupon information. is not necessarily good.

The present application has been made in view of the above, and an object of the present application is to provide a generating device, a generating method, and a generating program that improve the user's convenience in settlement.

A generating device according to the present application includes a storage unit that stores transaction object information including identification information used to identify a transaction object at the time of settlement, and setting information related to setting of coupons applicable to the transaction object to the transaction object. A settlement means using a user terminal used by a user based on a reception unit received from a provider of the above, setting information received by the reception unit, and the transaction target information, wherein the identification information is used and a generation unit that generates coupons that can be used in payment means that identifies transaction objects.

According to one aspect of the embodiment, it is possible to improve convenience for the user in payment.

FIG. 1 is a diagram illustrating an example of generation processing according to the embodiment. FIG. 2 is a diagram illustrating a configuration example of a settlement server according to the embodiment; FIG. 3 is a diagram showing an example of an account database according to the embodiment. FIG. 4 is a diagram showing an example of a transaction target information database according to the embodiment. FIG. 5 is a diagram showing an example of a coupon information database according to the embodiment. FIG. 6 is a diagram illustrating an example of a user information database according to the embodiment; FIG. 7 is a flowchart illustrating an example of the procedure of generation processing according to the embodiment. FIG. 8 is a hardware configuration diagram showing an example of a computer that implements the functions of the settlement server.

Embodiments for carrying out the generation device, generation method, and generation program according to the present application (hereinafter referred to as "embodiments") will be described in detail below with reference to the drawings. Note that the generation device, generation method, and generation program according to the present application are not limited to this embodiment. Also, in each of the following embodiments, the same parts are denoted by the same reference numerals, and overlapping descriptions are omitted.

[1. embodiment]
Generation processing realized by the generation device and the like of the present embodiment will be described with reference to FIG. FIG. 1 is a diagram illustrating an example of generation processing according to the embodiment. In FIG. 1, it is assumed that the generation processing and the like according to the embodiment are realized by the settlement server 10, which is an example of the generation device according to the present embodiment.

As shown in FIG. 1, the generation processing system 1 according to the embodiment includes a payment server 10, a user terminal 100, a shop terminal 200, and a business operator terminal 300. The payment server 10, the user terminal 100, the store terminal 200, and the business terminal 300 are connected to communicate with each other by wire or wirelessly via a network N (see FIG. 2, for example). The network N is, for example, a WAN (Wide Area Network) such as the Internet. 1 may include multiple payment servers 10, multiple user terminals 100, multiple store terminals 200, and multiple business operator terminals 300. .

A settlement server 10 shown in FIG. 1 is an information processing device that executes a generation process according to an embodiment, and is realized by a server device, a cloud system, or the like. For example, the payment server 10 provides an electronic payment service related to electronic payment using the user terminal 100 . For example, the settlement server 10 manages the account of the provider (operator) of the transaction object and the account of the user to whom the transaction object is provided, and transfers electronic money between accounts according to the payment request from the user. By doing so, various settlements are realized. In addition, electronic money may be, for example, points or currency used independently by various companies, or may be electronically tradable currency provided by the state such as Japanese yen and dollars. good.

The payment server 10 also provides coupon information (for example, identification information (product ID ), the content of the benefits given to users by coupons, the acquisition conditions for users to acquire coupons, etc. Received from the person who invested (provided), and managed in the storage unit of the device itself. For example, the settlement server 10 manages, as identification information, information indicated by a barcode attached to a transaction object (barcode such as JAN code or in-store code).

Also, the settlement server 10 associates the user with the coupon acquired by the user, and manages it in the storage unit of its own device.

A user terminal 100 shown in FIG. 1 is an information processing device used by a user. The user terminal 100 is realized by, for example, a smart phone, a tablet terminal, a notebook PC (Personal Computer), a desktop PC, a mobile phone, a PDA (Personal Digital Assistant), or the like. In addition, the user terminal 100 displays information distributed by the settlement server 10 using a web browser or application. Note that the example shown in FIG. 1 shows a case where the user terminal 100 is a smart phone.

When the user terminal 100 receives control information for implementing predetermined information processing from the settlement server 10, the user terminal 100 implements the information processing according to the control information. Here, the control information includes, for example, a script language such as JavaScript (registered trademark), a style sheet language such as CSS (Cascading Style Sheets), a programming language such as Java (registered trademark), and a markup language such as HTML (HyperText Markup Language). It is written in up language or the like. Note that the predetermined application itself distributed from the settlement server 10 may be regarded as the control information.

A store terminal 200 shown in FIG. 1 is an information processing device used in a store that provides transaction objects to users. The store terminal 200 is realized by, for example, a POS (Point of Sales) terminal, a smart phone, a tablet terminal, a notebook PC, a desktop PC, a mobile phone, a PDA, or the like. In addition, the store terminal 200 displays information distributed by the settlement server 10 using a web browser or an application.

In the example shown in FIG. 1, it is assumed that the store terminal 200 is a POS terminal installed in the store, and manages transaction object information regarding transaction objects provided in the store. For example, the store terminal 200 manages the price of the transaction object by linking it to the information (identification information for identifying the product) indicated by the barcode attached to the transaction object.

A business operator terminal 300 shown in FIG. 1 is an information processing device used by a business operator who provides a transaction target to a user. The business terminal 300 is realized by, for example, a smart phone, a tablet terminal, a notebook PC (Personal Computer), a desktop PC, a mobile phone, a PDA (Personal Digital Assistant), or the like. Further, the operator terminal 300 displays information delivered by the settlement server 10 using a web browser or an application. Note that the example shown in FIG. 1 shows a case where the business terminal 300 is a desktop PC.

[1-1. Payment using the user terminal 100]
Here, an example of payment (electronic payment) using the user terminal 100 will be described prior to generation processing executed by the payment server 10 . In the following description, a two-dimensional code (QR code (registered trademark)) placed at the store A, which indicates store identification information for identifying the store A, is used by the user U1. An example of settlement using the personal terminal 100 will be described, but the embodiment is not limited to this. An example of settlement described below is also applicable when any user uses any user terminal 100 to make a payment at any store. Moreover, the store identification information may be not only a QR code but also a bar code, a predetermined mark, a number, or the like.

For example, when user U1 makes a payment for using or purchasing a payment target (transaction target) such as various products and services at store A, user U1 installs a payment application in advance on user terminal 100. to start. Then, the user U1 photographs the store identification information installed in the store A via the payment application. In such a case, the user terminal 100 displays a screen for inputting the price to be settled, and accepts the input of the payment amount from the user U1 or the store A clerk. Then, the user terminal 100 provides user identification information for identifying the user U1, and store identification information (or information indicated by the store identification information, that is, information indicating the store A (or the business operator M1 of the store A) ( For example, the payment information indicating the shop ID)) and the payment amount is transmitted to the payment server 10 .

In such a case, the settlement server 10 transfers the amount of electronic money indicated by the settlement amount from the account of user U1 indicated by the user identification information to the account of store A indicated by the store identification information. Then, the settlement server 10 transmits a notification that the settlement has been completed to the user terminal 100 . In such a case, the user terminal 100 notifies that the payment has been made with electronic money by outputting a screen or a predetermined voice indicating that the payment has been completed. Here, the settlement server 10 may subtract a predetermined fee (administration fee, etc.) from the member store A account when transferring the electronic money to the store A account or at a predetermined timing.

Note that the settlement using the user terminal 100 is not limited to the processing described above. For example, settlement using the user terminal 100 may be performed using the store terminal 200 installed in the store A. For example, the user terminal 100 displays user identification information for identifying user U1 on the screen. In such a case, the store terminal 200 installed in the store A reads the user identification information displayed on the user terminal 100, and the user identification information (or information indicated by the user identification information, that is, the user Payment information indicating information indicating U1 (for example, user ID), payment amount, and information identifying the store A is transmitted to the payment server 10 . In such a case, the settlement server 10 transfers the amount of electronic money indicated by the settlement amount from the account of the user U1 indicated by the user identification information to the account of the store A, The fact that the payment has been made may be notified to the user terminal 100 by outputting a screen or a predetermined voice indicating that the payment has been completed.

In addition, settlement using the user terminal 100 includes not only the process of transferring electronic money from the account charged with electronic money in advance by the user U1 to the account of the store A, but also the credit card pre-registered by the user U1. Payment may be made using a card. In such a case, for example, the user terminal 100 transfers the electronic money of the settlement amount to the account of the store A, and requests the credit card management company (card company) of the user U1 for the settlement amount. You may

In addition, the payment using the user terminal 100 is not only the process of transferring electronic money from the account of the user U1 to the account of the store A. For example, the payment server 10 transfers the payment amount from the account of the user U1 A process may be performed in which the electronic money is withdrawn and the amount of cash obtained by subtracting a predetermined fee (administration fee, etc.) from the settlement amount is deposited into the bank account of the store A. In such a case, for example, the payment server 10 manages the amount of payment made by each user to the store A as sales information of the store A, and based on the sales information, transfers the sales amount to the bank account of the store A at a predetermined timing. Deposit cash in the amount obtained by subtracting a predetermined fee from (the total amount of settlement indicated by the sales information).

Note that, if the source of the coupon used for payment is borne by the store A, the settlement server 10 can be used when depositing cash into the bank account of the store A, or when depositing electronic money into the account of the store A. At the time of transfer, processing may be performed to subtract the amount of cash to be paid from the payment amount and deposit it in a bank account, or to subtract the electronic money to be transferred from the payment amount to the account of store A. .

[1-2. Overview of Embodiment]
Here, conventionally, as an example of technology for giving a predetermined profit to a user who purchases a predetermined transaction object, a discount coupon for an arbitrary product is issued, and the discount for the corresponding product is settled at the cash register. There have been proposed techniques for However, with such technology, the consumer needs to present the coupon issued by the coupon issuing device installed in the store and the coupon using device needs to read the coupon information at the time of settlement, which is not convenient for the user. is not necessarily good.

Therefore, the settlement server 10 executes generation processing according to the embodiment. Generation processing executed by the settlement server 10 will be described below with reference to FIG. In the following description, the user terminal 100 is used by the user U1, the store terminal 200 is installed in the store A, and the business terminal 300 is used by the business M1 that manages the store A. Further, in the following description, the user terminal 100 may be identified with the user U1, and the business operator terminal 300 may be identified with the business operator M1. That is, hereinafter, the user U1 can be read as the user terminal 100, and the business operator M1 can be read as the business terminal 300.

Further, in the following description, the settlement server 10 sends identification information of the transaction object indicated by the JAN code and information (name, etc.) of the transaction object linked to the JAN code to an external server (JAN code integrated product information database). etc.), and the acquired information is stored in the storage unit of its own device as transaction target information.

First, the settlement server 10 receives transaction target information including identification information of the transaction target from the operator terminal 300 (step S1). For example, the settlement server 10 receives identification information indicated by an in-store code uniquely numbered by the business operator M1 and transaction target information including the name of the transaction target, and stores the information in the storage unit of its own device.

Subsequently, the settlement server 10 provides content indicating the transaction target information stored in the storage unit of its own device in response to a request from the operator terminal 300 (step S2). For example, the settlement server 10 provides the operator terminal 300 with content indicating transaction target information linked to the in-store code received from the operator terminal 300 and transaction target information linked to the JAN code. Note that the settlement server 10 may provide content indicating transaction target information managed in the store terminal 200 among the transaction target information linked to the JAN code.

Subsequently, the settlement server 10 receives, from the operator terminal 300, via the content provided in step S2, the setting information regarding the setting of the coupon applicable to the transaction object provided by the store A (step S3). For example, the settlement server 10 stores the store ID of the store A, the identification information of the transaction target to which the coupon is applied, the details of the profit given to the user by the coupon (discount amount, cashback amount, etc.), the user accepts setting information including acquisition conditions for acquiring coupons. As a specific example, the payment server 10 receives, as acquisition conditions, information indicating attributes (segments) of users who can acquire coupons.

Subsequently, the settlement server 10 generates coupons based on the setting information and transaction target information (step S4). For example, the payment server 10 generates a coupon #1 that can be used for payment using the above-described payment application for the store A, and stores coupon information (setting information, etc.) related to the coupon #1 in the storage unit of its own device.

Subsequently, the payment server 10 distributes the coupon #1 via the payment application (step S5). In the example of FIG. 1, user U1 who satisfies the conditions for acquiring coupon #1 activates a settlement application pre-installed on user terminal 100, and carries out a predetermined operation to acquire distributed coupon #1. is assumed to have been performed. In this case, the settlement server 10 associates the user ID indicating the user U1 with the coupon #1, and manages them in the storage unit of its own device.

Here, in the example of FIG. 1, it is assumed that the user U1 desires to make the above-described payment to the store A, which is performed by the store terminal 200 reading the user identification information (user ID). do. In this case, the store terminal 200 reads the bar code of each transaction target purchased by the user U1 and the user ID of the user U1 (step S6). For example, the shop terminal 200 reads the identification information indicated by the barcode attached to the transaction object and the user ID displayed on the user terminal 100 using a barcode reader or the like at the time of checkout.

Subsequently, the payment server 10 receives payment information related to payment for the store A by the user U1 from the store terminal 200 (step S7). For example, the settlement server 10 stores the store ID of the store A, the identification information of the transaction object read by the store terminal 200 in step S6, the total price (settlement amount) of each transaction object linked to the identification information, Payment information including the user ID of person U1 is accepted.

Subsequently, the payment server 10 identifies coupons applicable to the user U1 based on the payment information (step S8). For example, the payment server 10 compares the coupon information corresponding to the coupons already acquired by the user U1 with the payment information, thereby applying the transaction target indicated by the payment information among the coupons already acquired by the user U1. Identify the coupon to be.

Here, in the example of FIG. 1, it is assumed that coupon #1 is specified as a coupon applicable to user U1. In this case, the settlement server 10 executes settlement processing based on the settlement information received in step S7, and gives profit based on coupon #1 to user U1 (step S9). For example, the settlement server 10 executes a process of transferring the amount of electronic money indicated by the settlement amount from the account of the user U1 to the account of the store A. Then, the settlement server 10 gives the user U1 a profit (predetermined amount of cashback, etc.) based on the coupon #1.

Subsequently, the settlement server 10 transmits information indicating the profit given to the user U1 to the shop terminal 200 (step S10). For example, the settlement server 10 transmits the details of the profit given to the user U1 and the coupon information regarding the coupon #1.

Subsequently, the store terminal 200 outputs a receipt (step S11). For example, the store terminal 200 outputs a receipt printed with the payment information and the information transmitted from the payment server 10 in step S10. Then, the store clerk at the store A provides the output receipt to the user U1.

As described above, the payment server 10 according to the embodiment provides the business operator with the content indicating the transaction target information managed by its own device, and based on the setting information received via the content, the payment server 10 uses the payment application. Generate coupons that can be used in and distribute them to users. Thereby, the settlement server 10 according to the embodiment can automatically apply a coupon arbitrarily set by the business to the user. In other words, the payment server 10 according to the embodiment can improve user convenience in payment.

[2. Configuration of payment server]
Next, the configuration of the settlement server 10 will be described using FIG. FIG. 2 is a diagram illustrating a configuration example of a settlement server according to the embodiment; As shown in FIG. 2, the settlement server 10 has a communication unit 20, a storage unit 30, and a control unit 40.

(Regarding communication unit 20)
The communication unit 20 is realized by, for example, a NIC (Network Interface Card) or the like. The communication unit 20 is connected to the network N by wire or wirelessly, and transmits and receives information to and from the user terminal 100, the store terminal 200, the business terminal 300, and the like.

(Regarding storage unit 30)
The storage unit 30 is implemented by, for example, a semiconductor memory device such as a RAM (Random Access Memory) or a flash memory, or a storage device such as a hard disk or an optical disk. As shown in FIG. 4, the storage unit 30 has an account database 31, a transaction target information database 32, a coupon information database 33, and a user information database .

(Regarding account database 31)
The account database 31 stores various information related to accounts owned by users, stores (businesses), etc. in the electronic payment service. An example of information stored in the account database 31 will now be described with reference to FIG. FIG. 3 is a diagram showing an example of an account database according to the embodiment. In the example of FIG. 3, the account database 31 has items such as "account ID", "owner information", and "account balance".

"Account ID" indicates identification information for identifying an account. "Owner information" indicates information about the owner who owns the account, and stores, for example, identification information for identifying the owner. "Account balance" indicates the balance of the account.

That is, FIG. 3 shows an example in which the information of the holder of the account identified by the account ID "AID #1" is "user #1" and the account balance is "7,800 yen".

(Regarding transaction target information database 32)
The transaction target information database 32 stores various types of information relating to transaction targets provided by business operators. For example, the transaction object information database 32 stores transaction object information including identification information used to identify the transaction object at the time of payment. To give a specific example, in the example of FIG. 1, the transaction target information database 32 is transaction target information acquired (accepted) from the operator terminal 300 or an external server, and is used to identify the transaction target. Store trade object information including identification information.

Further, the transaction target information database 32 may store transaction target information including identification information read by a store terminal used by a store that provides the transaction target. For example, in the example of FIG. 1, the transaction target information database 32 stores transaction target information including identification information read by a barcode reader or the like of the store terminal 200 .

Further, the transaction object information database 32 may store transaction object information including identification information indicated by a barcode attached to the transaction object. For example, in the example of FIG. 1, the transaction object information database 32 stores transaction object information including identification information indicated by a barcode attached to the transaction object.

Further, the transaction target information database 32 may store transaction target information including identification information uniquely set by the provider. For example, in the example of FIG. 1, the transaction target information database 32 stores transaction target information including identification information indicated by an in-store code uniquely numbered by the business operator M1.

Further, the transaction object information database 32 may store transaction object information including identification information standardized by a predetermined organization as information for identifying a transaction object. For example, in the example of FIG. 1, the transaction target information database 32 stores transaction target information including identification information indicated by JIS standard barcodes.

Here, an example of information stored in the transaction target information database 32 will be described with reference to FIG. FIG. 4 is a diagram showing an example of a transaction target information database according to the embodiment. In the example of FIG. 4, the transaction target information database 32 has items such as "company ID", "name", "price", "identification information", and "coupon information".

"Business ID" indicates identification information for identifying the business. "Name" indicates the name of the transaction object. "Price" indicates the price of the transaction object. "Identification information" indicates the identification information indicated by the barcode attached to the transaction object. "Coupon information" indicates information about coupons applied to transaction targets.

That is, in FIG. 4, the name of the transaction object provided by the business operator ID "MID#1" is "name#1", the price is "1,000 yen", and the identification information indicated by the barcode is "identification information #1”, and an example in which the information on applicable coupons is “coupon information #1”.

(Regarding coupon information database 33)
The coupon information database 33 stores various information about coupons applied to users. An example of information stored in the coupon information database 33 will now be described with reference to FIG. FIG. 5 is a diagram showing an example of a coupon information database according to the embodiment. In the example of FIG. 5, the coupon information database 33 has items such as "company ID" and "coupon information".

"Business ID" indicates identification information for identifying the business that requests distribution of the coupon to the user (in other words, the business that provides the source of the coupon). "Coupon information" indicates information about coupons, and has items such as "coupon ID", "identification information", "profit details", and "acquisition conditions". "Coupon ID" indicates identification information for identifying a coupon. "Identification information" indicates the information indicated by the barcode attached to the transaction target to which the coupon is applied, for example, the JAN code attached to the product by the manufacturer of the transaction target, or the Stores information indicated by an independently numbered in-store code, etc. "Benefit content" indicates the content of the benefit given to the user by the coupon. "Acquisition condition" indicates the conditions for the user to acquire the coupon (for example, demographic attribute, psychographic attribute, payment history).

That is, in FIG. 5, the coupon provided by the business operator identified by the business operator ID "MID #1" is identified by the coupon ID "CID #1", and the identification information of the transaction target to be applied is "identification information # 1”, the profit content is “profit content #1”, and the acquisition condition is “acquisition condition #1”.

(Regarding the user information database 34)
The user information database 34 stores various types of information regarding users of electronic payment services provided by the payment server 10 . An example of information stored in the user information database 34 will now be described with reference to FIG. FIG. 6 is a diagram illustrating an example of a user information database according to the embodiment; In the example of FIG. 6, the user information database 34 has items such as "user ID", "payment history", and "acquired coupon".

"User ID" indicates identification information for identifying a user. "Payment history" indicates the history of payments made using the electronic payment service, and stores information such as payment recipients and payment amounts, for example. "Acquired coupon" indicates a coupon acquired by the user among the coupons indicated by the coupon information stored in the coupon information database 33, and stores, for example, identification information for identifying the coupon.

That is, FIG. 6 shows an example in which the payment history of the user identified by the user ID "UID#1" is "payment history #1" and the acquired coupon is "acquired coupon #1".

(Regarding the control unit 40)
The control unit 40 is a controller, and various programs stored in a storage device inside the payment server 10 are executed by a CPU (Central Processing Unit), an MPU (Micro Processing Unit), or the like, using the RAM as a work area. It is realized by being executed. Also, the control unit 40 is a controller, and is implemented by an integrated circuit such as an ASIC (Application Specific Integrated Circuit) or an FPGA (Field Programmable Gate Array). The control unit 40 according to the embodiment includes, as shown in FIG. and implements or executes the information processing functions and actions described below.

(Regarding the reception unit 41)
The accepting unit 41 accepts identification information that identifies a transaction target for settlement using a user terminal used by a user. For example, in the example of FIG. 1, the accepting unit 41 accepts payment information indicating identification information of a transaction target for which payment is made using a payment application pre-installed in the user terminal 100 .

In addition, the receiving unit 41 may receive setting information regarding setting of coupons applicable to the transaction object from the provider of the transaction object. For example, in the example of FIG. 1, the reception unit 41 stores the store ID of the store A, the identification information of the transaction target to which the coupon is applied, the content of the profit given to the user by the coupon, and the user's acquisition of the coupon. The setting information including the acquisition conditions for doing so is received from the business terminal 300 .

Further, the receiving unit 41 may receive setting information via content provided by the providing unit 42 . For example, in the example of FIG. 1, the receiving unit 41 receives setting information regarding setting of coupons applicable to transaction targets provided by the store A, via content provided by the providing unit 42, which will be described later.

In addition, the receiving unit 41 may receive setting information regarding setting of coupons applicable to transaction objects belonging to a predetermined category. For example, the receiving unit 41 receives setting information regarding setting of coupons applicable to transaction objects belonging to the category “grocery”. Any granularity can be adopted for the category to which the transaction object belongs. For example, when the transaction objects provided by the store are classified into categories having a predetermined hierarchical relationship, the reception unit 41 receives setting information regarding the setting of coupons applicable to the transaction objects belonging to any hierarchical category. may As a specific example, the receiving unit 41 may receive setting information regarding setting of coupons applicable to transaction objects belonging to the category “milk” which is a subordinate category of the category “grocery”.

Further, the receiving unit 41 may receive the setting information regarding the setting of coupons applicable to a plurality of transaction targets. For example, the receiving unit 41 receives setting information regarding setting of one coupon applicable to a plurality of transaction targets. As a specific example, when a rice ball 10% reduction coupon is set, the reception unit 41 sets a plurality of transaction targets to which the coupon is applied, such as pickled plum rice ball and mentaiko rice ball, for one coupon ID. Accepts setting information including the specification of Then, the generation unit 43, which will be described later, generates a coupon in which identification information of a plurality of transaction objects such as pickled plum rice balls and pollack roe rice balls are associated with one coupon ID.

Further, the receiving unit 41 may receive setting information including information about users who can acquire coupons. For example, in the example of FIG. 1, the receiving unit 41 receives information indicating attributes (segments) of users who can acquire coupons. As a specific example, the reception unit 41 receives information indicating a user who has never used a store (for example, a new customer who has not made a payment to the store using a payment application). The reception unit 41 also receives information indicating a user who has not used the store for a predetermined period of time (for example, a dormant customer who has not made a payment to the store using the payment application for a predetermined period of time or longer).

Note that the receiving unit 41 may receive setting information for setting a user corresponding to a transaction target to which the coupon is applied as a user who can acquire the coupon. For example, when the coupon is applied to alcohol or cigarettes, the reception unit 41 receives setting information indicating the attribute of the user who can obtain the coupon, "20 years old or older".

(About the providing unit 42)
The providing unit 42 provides content indicating transaction target information. For example, in the example of FIG. 1, the providing unit 42 refers to the transaction target information database 32, and the transaction target information linked to the in-store code received from the business operator terminal 300 and the transaction target linked to the JAN code. It provides the business terminal 300 with content indicating information.

Note that the providing unit 42 may provide content including coupon information related to coupons generated for transaction targets.

(Regarding the generator 43)
The generation unit 43 is a settlement means using a user terminal used by the user based on the setting information received by the reception unit 41 and the transaction object information, and identifies the transaction object using the identification information. Generate coupons that can be used in payment instruments. For example, in the example of FIG. 1, the generating unit 43 refers to the transaction target information database 32, and based on the setting information and the transaction target information, the coupon #1 that can be used for payment using the above-described payment application for the store A. , and stores coupon information about coupon #1 in the coupon information database 33 .

(Regarding the identification unit 44)
When payment information including identification information for identifying a transaction object that is the object of payment using the payment means is received from a shop terminal used by a shop that provides the transaction object, the identification unit 44 Based on the above, a coupon applicable to the user is specified among the coupons acquired in advance by the user. For example, in the example of FIG. 1, the generation unit 43 refers to the coupon information database 33 and the user information database 34, and compares the coupon information corresponding to the coupon already acquired by the user U1 with the payment information. Among the coupons acquired by the user U1, the coupons to be applied to the transaction target indicated by the payment information are specified.

Note that the specifying unit 44 may specify a coupon applicable to the user among the coupons acquired in advance by the user based on the identification information of the store (provider) indicated by the payment information. For example, the specifying unit 44 specifies coupons generated based on setting information received from the store, among the coupons already acquired by the user, based on the store identification information indicated by the payment information.

(Regarding the payment processing unit 45)
The payment processing unit 45 executes payment processing according to the payment information received by the reception unit 41 . For example, the payment processing unit 45 transfers the amount of electronic money indicated by the payment amount from the account of the user indicated by the user ID to the account of the shop indicated by the shop ID.

(Regarding the granting unit 46)
The granting unit 46 grants the profit based on the coupon specified by the specifying unit 44 to the user. For example, in the example of FIG. 1, the granting unit 46 grants the profit based on the coupon #1 to the user U1.

(Regarding the transmission unit 47)
The transmitting unit 47 transmits to the store terminal, information indicating the profit granted by the granting unit 46, which is to be printed on a receipt output from the store terminal. For example, in the example of FIG. 1, the transmission unit 47 transmits the content of the profit given to the user U1 and the coupon information about the coupon #1 to the store terminal 200 as information to be printed on a receipt output from the store terminal 200. 200.

[3. Generation processing flow]
A procedure of generation processing of the settlement server 10 according to the embodiment will be described with reference to FIG. FIG. 7 is a flowchart illustrating an example of the procedure of generation processing according to the embodiment.

As shown in FIG. 7, a content indicating transaction target information is provided (step S101). Subsequently, the settlement server 10 receives setting information regarding setting of coupons applicable to the transaction object from the transaction object provider (step S102). Subsequently, based on the setting information and transaction target information, a coupon that can be used in a predetermined payment method is generated (step S103), and the process ends.

[4. Modification]
The above-described embodiment is an example, and various modifications and applications are possible.

[4-1. About processing mode]
Of the processes described in the above embodiments, all or part of the processes described as being automatically performed can be manually performed, and conversely, all of the processes described as being manually performed can be performed manually. Alternatively, some can be done automatically by known methods. In addition, information including processing procedures, specific names, and various data and parameters shown in the above text and drawings can be arbitrarily changed unless otherwise specified. For example, the various information shown in each drawing is not limited to the illustrated information.

Also, each component of each device illustrated is functionally conceptual, and does not necessarily need to be physically configured as illustrated. In other words, the specific form of distribution and integration of each device is not limited to the one shown in the figure, and all or part of them can be functionally or physically distributed and integrated in arbitrary units according to various loads and usage conditions. Can be integrated and configured.

Moreover, each of the embodiments described above can be appropriately combined within a range that does not contradict the processing contents.

[5. effect〕
As described above, the payment server 10 according to the embodiment includes the storage unit 30, the reception unit 41, the provision unit 42, the generation unit 43, the identification unit 44, the payment processing unit 45, and the provision unit 46. , and a transmitter 47 . The storage unit 30 stores transaction object information including identification information used to identify the transaction object at the time of payment. The storage unit 30 also stores transaction target information including identification information read by a store terminal used by a store that provides the transaction target. The storage unit 30 also stores transaction target information including identification information indicated by a barcode attached to the transaction target. The storage unit 30 also stores transaction target information including identification information uniquely set by the provider. The storage unit 30 also stores transaction target information including identification information standardized by a predetermined organization as information for identifying the transaction target. The receiving unit 41 receives, from the provider of the transaction object, setting information regarding setting of coupons applicable to the transaction object. In addition, the receiving unit 41 receives setting information via the content provided by the providing unit 42 . The providing unit 42 provides content indicating transaction target information. The generation unit 43 is a settlement means using a user terminal used by the user based on the setting information received by the reception unit 41 and the transaction object information, and identifies the transaction object using the identification information. Generate coupons that can be used in payment instruments. When payment information including identification information identifying a transaction target that is the target of payment using the payment means is received from a store terminal used by a store that provides the transaction target, the identification unit 44 Based on the above, a coupon applicable to the user is specified among the coupons acquired in advance by the user. The granting unit 46 grants the profit based on the coupon specified by the specifying unit 44 to the user. The transmission unit 47 transmits to the store terminal information indicating the profit granted by the grant unit 46 and to be printed on the receipt output from the store terminal.

As a result, the payment server 10 according to the embodiment provides the business operator with content indicating transaction target information managed by its own device, and based on the setting information received via the content, the payment server 10 is used in payment using the payment application. Since coupons that can be used can be generated and distributed to the user, convenience for the user in settlement can be improved.

Further, in the settlement server 10 according to the embodiment, for example, the receiving unit 41 receives setting information regarding setting of coupons applicable to transaction objects belonging to a predetermined category. In addition, the receiving unit 41 receives setting information regarding setting of coupons applicable to a plurality of transaction targets. The reception unit 41 also receives setting information including information about users who can acquire coupons.

As a result, the settlement server 10 according to the embodiment can receive arbitrary setting information, generate a coupon, and distribute it to the user, thereby improving the convenience of the provider. .

[6. Hardware configuration]
Also, the payment server 10 according to each of the embodiments described above is implemented by, for example, a computer 1000 configured as shown in FIG. The settlement server 10 will be described below as an example. FIG. 8 is a hardware configuration diagram showing an example of a computer that implements the functions of the settlement server. Computer 1000 has CPU 1100 , ROM 1200 , RAM 1300 , HDD 1400 , communication interface (I/F) 1500 , input/output interface (I/F) 1600 and media interface (I/F) 1700 .

The CPU 1100 operates based on programs stored in the ROM 1200 or HDD 1400 and controls each section. The ROM 1200 stores a boot program executed by the CPU 1100 when the computer 1000 is started, programs dependent on the hardware of the computer 1000, and the like.

The HDD 1400 stores programs executed by the CPU 1100, data used by the programs, and the like. Communication interface 1500 receives data from other devices via communication network 500 (corresponding to network N in the embodiment) and sends it to CPU 1100, and also transmits data generated by CPU 1100 via communication network 500 to other devices. Send to device.

The CPU 1100 controls output devices such as displays and printers, and input devices such as keyboards and mice, through an input/output interface 1600 . CPU 1100 acquires data from an input device via input/output interface 1600 . Also, CPU 1100 outputs the generated data to an output device via input/output interface 1600 .

Media interface 1700 reads programs or data stored in recording medium 1800 and provides them to CPU 1100 via RAM 1300 . CPU 1100 loads such a program from recording medium 1800 onto RAM 1300 via media interface 1700, and executes the loaded program. The recording medium 1800 is, for example, an optical recording medium such as a DVD (Digital Versatile Disc) or a PD (Phase change rewritable disc), a magneto-optical recording medium such as an MO (Magneto-Optical disk), a tape medium, a magnetic recording medium, or a semiconductor memory. etc.

For example, when the computer 1000 functions as the settlement server 10 , the CPU 1100 of the computer 1000 implements the functions of the control unit 40 by executing programs loaded on the RAM 1300 . Moreover, each data in the storage device of the settlement server 10 is stored in the HDD 1400 . CPU 1100 of computer 1000 reads these programs from recording medium 1800 and executes them, but as another example, these programs may be obtained from another device via a predetermined communication network.

[7. others〕
As described above, some of the embodiments of the present application have been described in detail based on the drawings. It is possible to carry out the invention in other forms with modifications.

In addition, the configuration of the settlement server 10 described above can be flexibly changed, for example, by calling an external platform or the like using an API (Application Programming Interface), network computing, or the like, depending on the function.

In addition, the "unit" described in the claims can be read as "means", "circuit", or the like. For example, the reception unit can be read as reception means or a reception circuit.

10 settlement server 20 communication unit 30 storage unit 31 account database 32 transaction target information database 33 coupon information database 34 user information database 40 control unit 41 reception unit 42 provision unit 43 generation unit 44 identification unit 45 payment processing unit 46 grant unit 47 transmission Section 100 User terminal 200 Store terminal 300 Business operator terminal

Claims (12)

a storage unit that stores transaction object information including identification information used to identify the transaction object at the time of payment;
a reception unit that receives, from a provider of the transaction object, setting information relating to setting of a coupon applicable to the transaction object;
A settlement means using a user terminal used by a user based on the setting information received by the reception unit and the transaction target information, wherein the transaction target is identified using the identification information and a generator for generating available coupons. further comprising a providing unit that provides content indicating the transaction target information;
The reception unit
The generating device according to claim 1, wherein the setting information is received via the content provided by the providing unit. The storage unit
3. The generation device according to claim 1, wherein the transaction object information including identification information read by a store terminal used by a store that provides the transaction object is stored. The storage unit
4. The generation device according to any one of claims 1 to 3, wherein said transaction object information including identification information indicated by a barcode attached to said transaction object is stored. The storage unit
5. The generation device according to any one of claims 1 to 4, wherein said transaction object information including identification information uniquely set by said provider is stored. The storage unit
6. The generation device according to any one of claims 1 to 5, wherein the transaction target information including identification information standardized by a predetermined organization is stored as information for identifying the transaction target. The reception unit
7. The generation device according to any one of claims 1 to 6, wherein the setting information regarding setting of coupons applicable to transaction objects belonging to a predetermined category is received. The reception unit
7. The generation device according to any one of claims 1 to 6, wherein the setting information regarding setting of coupons applicable to a plurality of transaction objects is received. The reception unit
The generation device according to any one of claims 1 to 7, wherein the setting information including information on users who can acquire coupons is received. When payment information including identification information identifying a transaction object that is the object of payment using the payment means is received from a store terminal used by a store that provides the transaction object, based on the identification information, a specifying unit that specifies a coupon applicable to the user among the coupons previously acquired by the user;
a granting unit that grants the user a benefit based on the coupon specified by the specifying unit;
and a transmitting unit configured to transmit information indicating the profit granted by the granting unit and to be printed on a receipt output from the store terminal to the store terminal. 9. A generator according to any one of 8. A computer implemented storage method comprising:
a storage step of storing transaction object information including identification information used to identify the transaction object during settlement;
a receiving step of receiving, from a provider of the transaction object, setting information relating to setting of a coupon applicable to the transaction object;
A payment means that uses a user terminal used by a user based on the setting information received in the receiving step and the transaction object information, wherein the transaction object is identified using the identification information A generation method, comprising: a generation step of generating redeemable coupons. a storage procedure for storing transaction object information including identification information used to identify the transaction object during settlement;
a receiving procedure for receiving, from a provider of the transaction object, setting information relating to setting of a coupon applicable to the transaction object;
A settlement means using a user terminal used by a user based on the setting information received by the reception procedure and the transaction target information, wherein the transaction target is identified using the identification information A generation program for causing a computer to execute a generation procedure for generating available coupons.

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