JP7411848B1 - Information processing device, information processing method, and program - Google Patents

Abstract

[Problem] To increase the variety of benefits and improve convenience for users by providing benefits that take into account individual payment methods. [Solution] A payment information acquisition unit that processes payments related to purchases at a store and acquires payment information in a payment service that includes multiple payment methods, and a user who links the payment information based on the payment information. the terminal device of the present invention is further provided with a privilege granting unit that grants a privilege that can be used at a store that is affiliated with the payment service; an information processing device that grants the benefit to the user of the terminal device when the benefit corresponds to a specific payment method specified for each benefit. [Selection diagram] Figure 1

Description

The present invention relates to an information processing device, an information processing method, and a program.

2. Description of the Related Art Conventionally, a technique is known that provides benefits to the terminal devices of users who use electronic payment services. For example, Patent Document 1 discloses a technique for transmitting a coupon corresponding to an amount corresponding to the usage of an SNS service by the user to the user's terminal device.

Japanese Patent Application Publication No. 2009-169977

However, the conventional technology does not provide benefits that take into account individual payment methods among the plurality of payment methods provided by electronic payment services. As a result, the variety of benefits provided by electronic payment services is narrow, and convenience for users may be low.

The present invention has been made in consideration of these circumstances, and provides information that increases the variety of benefits and improves convenience for users by providing benefits that take into account individual payment methods. One of the purposes is to provide a processing device, an information processing method, and a program.

One aspect of the present invention includes a payment information acquisition unit that processes a payment related to a purchase at a store and acquires payment information in a payment service that includes a plurality of payment methods; a privilege granting unit that grants a privilege that can be used at a store that is affiliated with the payment service to a terminal device of a user, and the privilege granting unit allows the user to use any of the plurality of payment methods. The information processing device provides the privilege to the user of the terminal device when the payment used corresponds to a specific payment method designated for each privilege.

According to one aspect of the present invention, there is provided an information processing device, an information processing method, and a program that can increase the variety of benefits and improve convenience for users by providing benefits that take into account individual payment methods. can be provided.

1 is a diagram illustrating an example of a configuration for realizing a payment service according to a first embodiment; FIG. FIG. 1 is a sequence diagram (Part 1) illustrating the general flow of electronic payment. FIG. 2 is a sequence diagram (Part 2) illustrating the general flow of electronic payment. FIG. 2 is a sequence diagram illustrating the general flow of credit card payment according to the first embodiment. FIG. 1 is a configuration diagram of an electronic payment server 100 according to a first embodiment. 3 is a diagram showing an example of the contents of user information 172. FIG. It is a diagram showing an example of the contents of member store/store information 176. 2 is a diagram showing an example of a top screen IM of the payment application 20. FIG. FIG. 3 is a diagram showing an example of a method of using a coupon by the user terminal device 10. FIG. 7 is a diagram showing an example of the contents of ID correspondence information 178. FIG. It is a figure showing an example of the contents of coupon information 180. FIG. 2 is a diagram for explaining the flow of coupon application processing performed when the user's payment method is credit card payment in the first embodiment. 2 is a diagram illustrating an example of notification information notified by the payment application 20. FIG. 2 is a flowchart illustrating an example of the process flow of the electronic payment server 100 executed when the user's payment method is credit card payment in the first embodiment. FIG. 7 is a diagram illustrating an example of a configuration for realizing a payment service according to a second embodiment. FIG. 7 is a diagram for explaining the flow of coupon application processing executed when the user's payment method is credit card payment in the second embodiment. 12 is a flowchart illustrating an example of the process flow of the electronic payment server 100A executed when the user's payment method is credit card payment in the second embodiment. FIG. 7 is a diagram illustrating an example of a configuration for realizing a payment service according to a third embodiment. It is a figure showing an example of the contents of ID correspondence information 178 concerning a 3rd embodiment. FIG. 7 is a diagram for explaining the flow of coupon application processing performed when the user's payment means is the second electronic payment service in the third embodiment. In the third embodiment, it is a flowchart showing an example of the process flow of the electronic payment server 100B executed when the user's payment method is the second electronic payment.

DESCRIPTION OF THE PREFERRED EMBODIMENTS Embodiments of an information processing apparatus, an information processing method, and a program control method of the present invention will be described below with reference to the drawings. The application program and the electronic payment server cooperate to provide electronic payment services. In the following description, the application program will be referred to as a payment application. An electronic payment service is a service that supports payments for purchases of products and services at stores. A store is, for example, a physical store (actual store) that exists in real space, but may also include a virtual store for electronic commerce. Virtual stores may include those provided by entities different from the operator of the electronic payment service. In this case, when paying for shopping at the virtual store, the screen is controlled to transition to an interface screen of the electronic payment service. In an electronic payment service, a store is treated as belonging to a member store (brand), for example, and processing such as payment when a purchase is made at a store is mainly performed between a user and the member store. Alternatively, processing such as payment may be performed between the user and the store. Furthermore, in the following description, electronic payment services and external payment services (such as credit card payment services) are collectively referred to as "payment services."

[First embodiment]
[Payment service]
FIG. 1 is a diagram illustrating an example of a configuration for realizing a payment service according to a first embodiment. The payment service is realized mainly by the electronic payment server 100 and the credit payment server 200. The electronic payment server 100, for example, communicates with each of one or more user terminal devices 10, one or more first store terminal devices 50, one or more second store terminal devices 70, and the credit payment server 200 via the network NW. connect. Further, the credit payment server 200 communicates with one or more third store terminal devices 80 via the network NW. The network NW includes, for example, the Internet, a LAN (Local Area Network), a wireless base station, a provider device, and the like.

The user terminal device 10 is, for example, a portable terminal device such as a smartphone or a tablet terminal. The user terminal device 10 is a computer device having at least an optical reading function, a communication function, a display function, an input reception function, and a program execution function. In the following description, the configurations for realizing these functions are respectively referred to as a camera, a communication device, a touch panel, a CPU (Central Processing Unit), and the like. The user terminal device 10 operates in cooperation with the electronic payment server 100 to provide electronic payment services to users by executing the payment application 20 by a processor such as a CPU. The payment application 20 is installed on the user terminal device 10 from an application store, for example, and controls a camera, a communication device, a touch panel, and the like.

The first store terminal device 50 is installed in a store, for example. The first store terminal device 50 is a computer device having at least a product price acquisition function, an optical reading function, a program execution function, and a communication function. The first store terminal device 50 includes a so-called POS (Point of Sale) device, and the POS device may realize a product price acquisition function and an optical reading function. The store code image 60 is placed in a store, and a code image such as a QR code (registered trademark) is printed on a paper or plastic medium. Note that the store code image 60 may be displayed on a display (or a display of a terminal device such as a smartphone) placed in the store.

The second store terminal device 70 is used by an operator of a member store. The second store terminal device 70 is a smartphone, a tablet terminal, a personal computer, or the like. In the second store terminal device 70, an interface 72 for member stores operates. The member store interface 72 may be an application for member stores or may be a browser. The member store interface 72 receives coupon settings and the like from the member store operator and transmits them to the electronic payment server 100. The second store terminal device 70, which is a smartphone, has the function of displaying a code image corresponding to the store code image and reading the code image displayed by the user terminal device 10 by executing an application for member stores. have

The electronic payment server 100 realizes electronic payment based on payment information received from the user terminal device 10 or the first store terminal device 50. The first store terminal device 50 may include a POS device and a member store server, in which case payment information is transmitted from the POS device to the electronic payment server 100 via the member store server. In the following description, it is assumed that payment information is transmitted from the first store terminal device 50 without making any particular distinction.

2 and 3 are sequence diagrams illustrating the general flow of electronic payment. There may be two patterns, pattern 1 and pattern 2, in electronic payment.

In the case of pattern 1 (hereinafter referred to as user scan) shown in FIG. 2, the user terminal device 10 with the payment application 20 activated decodes the store code image 60 using an optical reading function (S1). The store code image 60 includes information on a store URL (Uniform Resource Locator). This store URL is the domain of the electronic payment service with information that can identify the store added, and is associated with member store IDs, store IDs, etc. in the electronic payment server 100 (described later). . The payment application 20 transmits first payment information including the store URL and account ID to the electronic payment server 100 (S2). The electronic payment server 100 searches for store information (described later) from the member store ID and store ID corresponding to the store URL, obtains the member store name and store name information (S3), and sends the information to the payment application 20 (S4). ). The user inputs the payment amount into the user terminal device 10 on the screen on which the member store name and store name are displayed (S5). Then, the user terminal device 10 generates second payment information including at least the payment amount and transmits it to the electronic payment server 100 (S6). The electronic payment server 100 performs electronic payment based on the received second payment information (S7). Then, the electronic payment server 100 transmits a payment completion notification (information for displaying the payment completion screen) to the payment application 20 (S8), and the payment application 20 displays the payment completion screen (S9). Note that when the store code image 60 is displayed on a display placed in a store, the store code image 60 may include not only the store URL but also information on the payment amount. In this case, the step for the user to input the payment amount is omitted, and the first payment information includes information on the payment amount and is sent to the electronic payment server 100. Information on the member store name and store name may be included and displayed on the payment completion screen.

In the case of pattern 2 (hereinafter referred to as store scan) shown in FIG. 3, when the payment application 20 is started, when a payment operation is performed on the payment application 20, and when the automatic update timing (for example, every minute) is reached. , and at other timings, the payment application 20 transmits a one-time code issuance request to the electronic payment server 100 (S11). The electronic payment server 100 generates a one-time code (S12) and sends it to the payment application 20 (S13). The payment application 20 displays a code image, such as a QR code or barcode, generated based on the one-time code (S14). The user holds up (presents) the display surface of the user terminal device 10 to the first store terminal device 50, and the first store terminal device 50 decodes the code image using an optical reading function and obtains a one-time code, etc. (S15). Then, the first store terminal device 50 generates payment information including a one-time code, payment amount, member store ID, store ID, etc., and transmits it to the electronic payment server 100 (S16). Information on the payment amount is obtained in advance by barcode reading, manual input, etc. Based on the received information, the electronic payment server 100 identifies the user corresponding to the one-time code and performs electronic payment (S17). Then, the electronic payment server 100 transmits a payment completion notification to the payment application 20 (S18), and the payment application 20 displays a payment completion screen (S19).

Note that electronic payment may be performed using only one of the above patterns. Moreover, the "account ID" explained in FIG. 2 may be other information (for example, a telephone number) that can be used as user identification information. Furthermore, the issuance of a one-time code may be omitted in the store scan, and the payment application 20 may display a code image generated based on the user's account ID. In that case, the electronic payment server 100 identifies the user corresponding to the account ID instead of identifying the user corresponding to the one-time code.

The third store terminal device 80 is, for example, a credit card payment terminal provided at a credit card affiliated store. Here, a credit card may be, for example, a physical card made of plastic with a credit payment function installed, or a terminal device such as a smartphone with a credit payment function installed as a digital card. There may be. The third store terminal device 80 includes a card information reading section that reads card information recorded on a credit card (for example, card identification information such as a credit card number), an operation input section such as a numeric keypad, and a display section such as a liquid crystal display. We are prepared. The card information reading section can read card information by, for example, a clerk at an affiliated store touching and sliding a credit card on the magnetic head of the card information reading section. As another configuration, the card information reading section can also be configured as a reading section that reads card information in a contactless manner from an IC chip built into a credit card. A member store clerk operates the operation input section to input the payment amount, the card information reading section reads the card information, and the user operates the operation input section to input the PIN number and press the confirmation button. The credit card payment will be executed. Furthermore, as another configuration, the second store terminal device 70 has an NFC (near field communication) function, and can function as a third store terminal device 80 by performing contactless payment with a credit card held by the user. It may work. The third store terminal device 80 receives the read card information, ID information identifying the payment store where the credit card payment was executed (hereinafter sometimes referred to as "credit payment store ID"), and the input payment amount. At least the credit payment information including the credit payment information is transmitted to the credit payment server 200.

The credit card payment server 200 realizes credit card payment based on the credit card payment information received from the third store terminal device 80. The credit payment server 200 functions as an acquirer in the general credit card payment flow, and executes credit card payments in cooperation with subsequent issuers and brands that issue credit cards. . When the credit card payment is executed, the credit payment server 200 transmits a payment completion notification to the third store terminal device 80 and also transmits credit payment information to the electronic payment server 100. In this manner, in the first embodiment, the credit payment server 200 that processes credit card payments and the electronic payment server 100 that processes electronic payments are provided as separate components. The credit payment server 200 may be operated by the same organization as the electronic payment service that operates the electronic payment server 100, or may be operated by a different organization.

FIG. 4 is a sequence diagram illustrating the general flow of credit card payment according to the first embodiment. In the case of credit card payment shown in FIG. 4, first, the third store terminal device 80 receives input of the payment amount via the operation input unit, and reads the user's credit card via the card information reading unit (S21 ). Next, the third store terminal device 80 transmits credit payment information including at least a credit card number, a credit payment store ID, and a payment amount to the credit payment server 200 (S22). Next, upon receiving the credit payment information, the credit payment server 200 executes the credit card payment in cooperation with the acquirer's subsequent issuer and brand (S23). Next, the credit card payment server 200 transmits a credit card payment completion notification to the third store terminal device 80 (S24). At the same time, the credit payment server 200 transmits credit payment information to the electronic payment server 100 (S25). The electronic payment server 100 executes a coupon application process, which will be described later, based on the received credit payment information (S26). In the sequence diagram of FIG. 4, the execution order of the process in S24 and the processes in S25 and S26 may be reversed or may be executed simultaneously.

[Electronic payment server]
FIG. 5 is a configuration diagram of the electronic payment server 100 according to the first embodiment. The electronic payment server 100 includes, for example, a communication section 110, a payment content providing section 120, a payment processing section 130, an information management section 140, and a storage section 170. Components other than the communication unit 110 and the storage unit 170 are realized by, for example, a hardware processor such as a CPU executing a program (software). Some or all of these components are hardware (circuit parts) such as LSI (Large Scale Integration), ASIC (Application Specific Integrated Circuit), FPGA (Field-Programmable Gate Array), and GPU (Graphics Processing Unit). (including circuitry), or may be realized by collaboration between software and hardware. The program may be stored in advance in a storage device (a storage device with a non-transitory storage medium) such as an HDD (Hard Disk Drive) or flash memory, or may be stored in a removable storage device such as a DVD or CD-ROM. It may be stored in a medium (non-transitory storage medium), and installed in the storage device by loading the storage medium into a drive device.

The storage unit 170 is an HDD, flash memory, RAM (Random Access Memory), or the like. The storage unit 170 may be a NAS (Network Attached Storage) device that the electronic payment server 100 can access via a network. The storage unit 170 stores information such as user information 172, payment content information 174, member store/store information 176, ID correspondence information 178, and coupon information 180.

The communication unit 110 is a communication interface for connecting to the network NW. Communication unit 110 is, for example, a network interface card.

The payment content providing unit 120 has, for example, the function of a web server, and provides the user terminal device 10 with information (content) for displaying various screens of the electronic payment service. The payment content providing unit 120 reads necessary content from the payment content information 174 as appropriate and provides it to the user terminal device 10. The user terminal device 10 receives various inputs from the user while the content is being played by the payment application 20, and transmits the above-mentioned payment information and the like to the electronic payment server 100.

The payment processing unit 130 performs payment processing based on the payment information transmitted by the user terminal device 10 or the first store terminal device 50. The payment processing unit 130 performs payment processing while referring to the user information 172.

FIG. 6 is a diagram showing an example of the contents of the user information 172. User information 172 is an example of user registration information. User information 172 includes, for example, user URL, account ID, phone number, password, email address, user ID, name/address/date of birth, registration date, charge balance, deferred payment setting, deferred payment limit, deferred payment. Information such as usage amount, available deferred payment amount, payment method settings, bank account, credit card number, charge history information, payment history information, follow member stores, acquired coupons, and points held are associated with each other. The user URL is used for remittance processing between users. When registering for a new electronic payment service, it is mandatory to register a phone number and password. The account ID is issued to the user by the electronic payment server 100, and the user ID is an ID that can be arbitrarily set (or does not need to be set) by the user. Similarly, e-mail address, name, address, and date of birth are information that can (or does not need to be) set arbitrarily by the user. The registration date is the date the user registered with the electronic payment service (the date the account was created). Hereinafter, the user instance (electronic payment account) to which this information is associated will be referred to as an account.

The charge balance is information indicating the balance of electronic money set by the user transferring money to the account in advance. Methods of remittance include remittance from an ATM (Automatic Teller Machine) of a designated business (bank), remittance from a registered bank account, etc. The deferred payment setting is information indicating whether the setting to enable electronic payment by deferred payment has been completed, and is set to either "completed" or "not yet". The deferred payment allowance is the maximum amount of deferred payment that can be used each month, the deferred payment usage amount is the amount of deferred payment that has already been used in the current month, and the available deferred payment amount is calculated by subtracting the deferred payment usage amount from the deferred payment allowance. , is the amount of deferred payment available for the current month. In the figure, only one deferred payment limit is shown, but in reality, there are additional daily upper limit amounts, and the lower of these may be set as the deferred payment limit. Further details of deferred payment will be discussed later. The payment method setting is setting information that indicates whether the user will make an electronic payment using the charge balance or a deferred payment at that time. The bank account and credit card number are each information about a bank account or credit card number (account number, card number) that can be used to deposit money into the electronic payment service. The charging history information is a history of the user increasing the charging balance by remitting money to the electronic payment service in advance. The payment history information is information that shows the details of the payments made by the user (date and time, store ID of the store where the purchase was made, payment amount, payment method, etc.) for each payment. Details of following member stores, acquired coupons, and points held will be described later.

FIG. 7 is a diagram showing an example of the contents of the affiliated store/store information 176. The affiliated store/store information 176 includes, for example, a first table 176A in which affiliated store IDs and store IDs are associated with store URLs, and affiliated store names and sales proceeds (described above) are associated with affiliated store IDs. 176B, and a third table 176C in which store names are associated with store IDs. In addition to this information, the member store/store information 176 may include information such as the member store or store category, store location, payment pattern, and the like.

The information management unit 140 manages user information 172 and member store/store information 176 based on information acquired from the user terminal device 10 and the second store terminal device 70. The information management unit 140 adds, edits, deletes, etc. new records for the user information 172 and member store/store information 176.

[Electronic payment]
When payment information is acquired from the user terminal device 10 or the first store terminal device 50, the payment processing unit 130 refers to the user information 172 and acquires the "payment method setting" of the user. The payment processing unit 130 performs electronic payment as follows for a user whose "payment method setting" is set to "charge balance". The payment processing unit 130 performs electronic payment by, for example, decreasing the charge balance managed in association with the user ID and increasing the item value of the member store's sales proceeds. For example, the item value of the sales proceeds of a member store is not used as electronic money itself, but the amount corresponding to the item value of the sales proceeds is determined in a cycle according to the agreement between the member store and the electronic payment service. Money will be transferred to your bank account.

The payment processing unit 130 performs electronic payment in the following manner for users whose "setting information" is set to "deferred payment." Deferred payment is set up separately from "credit payment" in collaboration with a credit card company, which is a separate entity from the operator of the electronic payment service, and the operator of the electronic payment service is the creditor. , which allows electronic payments that do not depend on the charge balance within the deferred payment limit. Note that in order to receive the deferred payment service, the user may be required to obtain a credit card provided by the operator of the electronic payment service. The amount used for deferred payment is paid in one month's worth on the next month's payment date, for example, by debiting from a bank account. In this case, the payment processing unit 130 performs provisional payment by adding the payment amount to the deferred payment usage amount and subtracting the same amount from the available deferred payment amount, and on the closing date, the payment for the current month is transferred to the next month's payment date as described above. or request the operator of the credit card company to perform the processing. Note that if the payment amount exceeds the available deferred payment amount at the time of provisional payment, an error notification is sent back to the payment application 20.

[Top screen]
FIG. 8 is a diagram showing an example of the top screen IM of the payment application 20. A code image CD is displayed on the top screen IM. The code image CD includes, for example, a barcode and a QR code. Further, along with the code image CD, a text ("Pay with balance" in the figure) indicating whether to perform electronic payment using the charge balance or electronic payment by deferred payment is displayed. This text is drawn by the payment application 20 based on information updated by the payment application 20 each time the changeover switch SW is operated. Further, the top screen IM includes an operation area CA including a changeover switch SW, and a transition button TB. This will be discussed later. Note that the "switch" and "button" are GUIs (Graphical User Interfaces) realized in cooperation with the touch panel. The changeover switch SW accepts an operation for switching between performing electronic payment using the charge balance or electronic payment using deferred payment. By default, the changeover switch SW is set to perform electronic payment using the charge balance, and each time the switch is operated by the user, it changes between the setting for electronic payment using the charge balance and the setting for electronic payment using deferred payment. The settings will change. In the figure, the explanation is "post-pay", which means that the setting is for electronic payment by post-payment. The operation area CA is provided with buttons for instructing main operations in electronic payment, such as a button for instructing scan (start of user scan) and a button for instructing charging. When the transition button TB is operated, the screen transitions to a payment screen that displays a code image used for electronic payment and the available amount.

[Use of coupon]
FIG. 9 is a diagram illustrating an example of how the user terminal device 10 uses a coupon. The screen on the left side of FIG. 9 is displayed on the user terminal device 10 when, for example, the user accesses a dedicated page of a member store of the electronic payment service via the payment application 20 of the user terminal device 10. represents the screen to be displayed. This screen is displayed, for example, when the user clicks on the area representing the coupon CP on the top screen IM of FIG. 7 and searches for a store that provides the coupon.

The member store dedicated page includes, for example, an area A1 where summary information of the member store's store is displayed, a button B1 for following the member store, and an area A2 where detailed information of the member store's store is displayed switchable by tabs. Including etc. When the user presses the follow button B1, the payment application 20 sends information indicating that the follow button B1 was pressed together with the user's identification information (for example, account ID) to the electronic payment server 100, and sends the information. The management unit 140 stores the identification information (for example, affiliated store ID) of the affiliated store in “Followed affiliated store” of the user information 172. As a result, for example, every time a member store updates the contents of the member store-only page, the electronic payment server 100 sends a notification to the user via the payment application 20 indicating that the contents of the member store-only page have been updated. to notify.

In FIG. 8, for example, when the user taps "Coupon", which is one tab included in area A2, coupons that can be used by the user for electronic payment at the store at the present time are displayed. For example, when a user presses a button B2 for following a member store and acquiring a coupon, the payment application 20 transfers information indicating that the acquisition button B2 was pressed to the user's identification information (for example, account ID) to the electronic payment server 100, and the information management unit 140 stores the identification information of the coupon acquired by the user in the "acquired coupon" of the user information 172.

When the user terminal device 10 executes an electronic payment after the user acquires a coupon, the payment processing unit 130 determines whether the electronic payment matches the usage conditions of the coupon that the user has acquired. If it is determined that the conditions of use of the coupon are met, the user is given a benefit according to the content of the coupon. For example, in the case of FIG. 9, the payment processing unit 130 determines whether the user's payment method corresponds to deferred payment or credit card payment, and whether the payment amount is 300 yen or more, and if the usage conditions are met. If it is determined that the conditions are satisfied, points equivalent to 5% of the payment amount will be awarded. For example, if the user makes an electronic payment for a payment amount of 300 yen or more in the settings shown in FIG. It is determined that the conditions are met, and points equivalent to 5% of the payment amount are awarded. The determination method when the user's payment method is credit card payment will be described later.

Thereafter, the payment application 20 displays, as a payment completion screen, an area A3 that displays the payment store, an area A4 that displays the payment amount, and an area A5 that displays the granted benefits. The right side of FIG. 8 shows, as an example, a case where 25 yen points are given for a 500 yen payment in response to the user acquiring a 5% off coupon. In this case, the information management unit 140 stores 25 yen worth of points in the “held points” of the user information 172, and the payment processing unit 130 prioritizes the held points from the payment amount in the user's next electronic payment. subtract the remaining amount from the charge balance or the available amount for deferred payment. In addition, as another aspect, the amount of the coupon may be directly subtracted from the payment amount on the day without being added as points that can be used for payment.

FIG. 10 is a diagram showing an example of the contents of the ID correspondence information 178. The ID correspondence information 178 is information in which, for example, a credit card payment store ID, an affiliated store ID, and a store ID are associated with each other. The credit card payment store ID is ID information that identifies the store where the credit card payment was executed, and the credit card payment store ID is assigned to each store in advance by either the credit card acquirer, issuer, or brand. It is something that In other words, the ID correspondence information 178 links the store (store ID) of the member store (member store ID) that is affiliated with the electronic payment service, which corresponds to the credit card payment store (credit payment store ID) where the credit card payment was executed. It is something. As a result, for example, when the electronic payment server 100 receives a credit card payment store ID in S26 of the sequence diagram of FIG. Stores of member stores participating in the service can be identified. The ID correspondence information 178 is an example of "mapping information" in the claims.

FIG. 11 is a diagram showing an example of the contents of the coupon information 180. The coupon information 180 is associated with information such as a coupon ID, member store ID, store ID, target payment method, benefit details, usage conditions, and expiration date. The target payment means is information that specifies the payment means to which the coupon corresponding to the coupon ID is applied. For example, if the target payment method is specified as "post-payment, credit card", when deferred payment or credit card payment is executed at the store specified by the store ID of the member store specified by the member store ID. The coupon will only be applied to. The benefit content is information indicating the content of the benefit provided by the coupon corresponding to the coupon ID. For example, in the case of Figure 11, the coupons indicated by coupon IDs "0001" and "0002" are issued by the same store, but if the applicable payment method is "deferred payment, credit card", 5% return will be given. On the other hand, if the applicable payment method is "balance payment", it is indicated that a 5% return will be given.

The usage conditions are information indicating conditions for making the coupon corresponding to the coupon ID usable. Although FIG. 11 shows conditions related to the payment amount as an example of usage conditions, arbitrary usage conditions such as gender, age, time zone, product, etc. may be set. The expiration date is information indicating the expiration date of the coupon corresponding to the coupon ID. Additionally or alternatively, the coupon information 180 may store an acquisition deadline for acquiring coupons from a member store's dedicated page as shown in FIG. These conditions, such as the applicable payment method, content of benefits, terms of use, and expiration date, may be set by the operator of each member store of the electronic payment service, for example, via the member store interface 72 of the second store terminal device 70. Can be done.

Note that at least some of the conditions of the coupon information 180, such as the target payment means, content of benefits, terms of use, and expiration date, may be set by the operator of the electronic payment service (electronic payment server 100). For example, the electronic payment server 100 provides information on the member store interface 72 so that each member store can select at least one of "deferred payment payment" and "credit card payment" as the target payment method from the coupon information 180. Restrictions may be applied. Further, for example, if the operator of each member store of the electronic payment service selects "charge balance" as the target payment method on the member store interface 72 of the second store terminal device 70, the electronic payment server 100 may receive a benefit. In exchange for the operator of the electronic payment service being responsible for a portion of the funds for the benefits related to the content, we are asking merchants to limit the eligible payment methods to at least one of ``deferred payment'' and ``credit card payment.'' Suggested information may be displayed on the interface 72. This makes it possible to increase the variety of benefits by providing benefits that take into account individual payment methods.

Furthermore, in the coupon information 180 of FIG. 11, as an example, one coupon is set for a combination of member store ID and store ID, but coupons that can be used at multiple stores of the member store are issued. In this case, a plurality of pieces of ID information may be stored in the “store ID” of the coupon information 180. For example, if a coupon that can be used at all stores of a member store has been issued, the "store ID" of the coupon information 180 may contain an identifier ( For example, hyphens, etc.) may be stored.

FIG. 12 is a diagram for explaining the flow of coupon application processing executed when the user's payment method is credit card payment in the first embodiment. First, the user accesses the dedicated page of the member store of the electronic payment service via the payment application 20 of the user terminal device 10 and obtains a coupon. At this time, the electronic payment server 100 stores the coupon ID of the coupon acquired by the user in the "acquired coupon" of the user information 172. Next, the user visits the store and performs credit card payment via the third store terminal device 80 as a means of payment. The third store terminal device 80 transmits a credit payment request including at least a credit card number, a credit payment store ID, and a payment amount to the credit payment server 200.

Upon receiving the credit card payment request, the credit card payment server 200 executes the credit card payment in cooperation with the issuer and brand following the acquirer. Next, the credit payment server 200 transmits credit payment information including at least a credit card number, a credit payment store ID, and a payment amount to the electronic payment server 100. The payment processing unit 130 of the electronic payment server 100 executes coupon application processing based on the received credit payment information.

More specifically, the payment processing unit 130 refers to the user information 172 using the credit card number included in the credit payment information as a key, and identifies the user (account ID) who executed the credit card payment. Furthermore, using the credit card payment store ID included in the credit card payment information as a key, the payment processing unit 130 refers to the ID correspondence information 178 to identify the member store ID and store ID where the credit card payment was performed. Next, using the identified member store ID and store ID as keys, the payment processing unit 130 refers to the coupon information 180 and determines whether a coupon corresponding to the member store ID and store ID has been issued. . Next, if a coupon corresponding to the affiliated store ID and the store ID has been issued, the payment processing unit 130 determines whether the credit card payment performed by the user satisfies the conditions for applying the coupon. More specifically, the payment processing unit 130 determines whether credit card payment is included in the "target payment means" of the coupon, and based on the payment amount included in the credit payment information, It is determined whether the credit card payment satisfies the "conditions of use" of the coupon. If it is determined that the credit card payment performed by the user satisfies the conditions for applying the coupon, the payment processing unit 130 grants the user a benefit according to the "benefits content" of the coupon. That is, the payment processing section 130 functions as a "privilege granting section" in the claims.

When the user's payment method is not credit card payment, in other words, when the user's payment method is deferred payment, balance payment, or point payment, the electronic payment server 100 communicates with the credit payment server 200. Instead, by referring to the coupon information 180, it is possible to provide the user with benefits according to the payment method. More specifically, when a user uses the payment app 20 to select one of these payment methods and performs an electronic payment, the payment app 20 electronically sends information indicating the selected payment method. Send it to the payment server 100. Upon receiving the information indicating the selected payment method, the payment processing unit 130 refers to the coupon information 180 and determines whether the user has already acquired a coupon that includes the selected payment method in the "target payment method". , and determines whether the executed electronic payment satisfies the "conditions of use." If the user has already acquired a coupon that includes the selected payment method in the "target payment method" and it is determined that the executed electronic payment satisfies the "conditions of use", the payment processing unit 130 , gives the user a benefit according to the "benefits content" of the coupon.

As described above, according to the first embodiment, in a situation where the user is a user of both an electronic payment service and a credit card, and has acquired a coupon in advance via the payment application 20 of the electronic payment service, If the applicable payment method for the coupon includes credit card payment, the user can receive the benefits of the coupon by making the credit card payment. As a result, for example, if a store that is affiliated with both an electronic payment service and a credit card payment service can only accept credit card payments, the conventional technology that prevents users from receiving benefits will be resolved. In contrast, in the first embodiment, the user can receive coupon benefits by making a credit card payment. That is, according to the first embodiment, by providing benefits that take into account individual payment methods, it is possible to increase the variety of benefits and improve convenience for users.

Note that if restrictions on coupons regarding eligible payment methods and conditions of use increase, users may forget the conditions for using coupons and may not be able to use them effectively. Therefore, the payment application 20 may cooperate with the electronic payment server 100 to cause the user terminal device 10 to display notification information for the user to effectively use the coupon.

FIG. 13 is a diagram illustrating an example of notification information notified by the payment application 20. FIG. 13 shows, as an example, a scene in which a user executes the user scan shown in FIG. 2 at a member store. At this time, it is assumed that the user has already acquired a coupon that can be used only for credit card payments at the store. The payment application 20 first reads the store code image 60, decodes the read store code image 60 to obtain the store URL, and sends the acquired store URL and user's account ID to the electronic payment server 100. Send. When the electronic payment server 100 receives the store URL and account ID, the payment processing unit 130 identifies the user associated with the received account ID and also identifies the store associated with the received store URL. Next, the payment processing unit 130 determines whether, among the coupons provided by the specified store, there is a coupon for a payment method other than the current payment method set by the specified user. .

For example, if a user sets a charge balance as a payment method, and a store provides a coupon that uses deferred payment payment or credit card payment as a payment method, the payment processing unit 130 It is determined that a coupon exists for a payment method other than the currently set payment method. If a coupon whose target payment method is charge balance and a coupon whose target payment method is deferred payment payment or credit card payment coexist, the payment processing unit 130 compares the return rates of these different coupons and It may be determined whether the coupon return rate for a payment method other than the current payment method set by is higher.

If it is determined that there is a coupon for a payment method other than the current payment method set by the user (or a coupon with a higher return rate exists), the payment processing unit 130 sends the payment application 20 the current payment method. Displays notification information indicating that a coupon for a payment method other than the payment method has been issued (or a coupon with a higher return rate has been issued). That is, the payment processing section 130 functions as a "benefits notification section" in the claims. For example, in the case of FIG. 13, the payment application 20 causes a predetermined area A6 of the user terminal device 10 to display notification information indicating that a coupon that can be used only for credit card payments has been issued. Thereby, the user can recognize that by changing the payment method, advantageous coupons can be used. When the user presses button B3 shown in FIG. 13, the payment application 20 may transition to a dedicated page for acquiring the coupon, shown on the left side of FIG.

[Processing flow]
Next, with reference to FIG. 14, a description will be given of the processing performed by the electronic payment server 100 when the user's payment method is credit card payment. FIG. 14 is a flowchart showing an example of the process flow of the electronic payment server 100 executed when the user's payment method is credit card payment in the first embodiment. The process of the flowchart shown in FIG. 14 is executed, for example, when a user makes a credit card payment at a store of an affiliated store that participates in both credit card payment and electronic payment services.

First, the electronic payment server 100 acquires credit payment information including at least a credit card number, a credit payment store ID, and a payment amount from the credit payment server 200 (step S100). Next, the electronic payment server 100 identifies the user by referring to the user information 172 using the credit card number included in the credit payment information as a key (step S102). Next, the electronic payment server 100 refers to the ID correspondence information 178 using the credit card payment store ID included in the credit card payment information as a key, and identifies the member store ID and store ID (step S104). Next, the electronic payment server 100 determines whether a coupon corresponding to the affiliated store ID and store ID has been issued and the user has acquired the coupon (step S106).

If the coupon corresponding to the member store ID and store ID has not been issued or the user has not acquired the coupon, electronic payment server 100 ends the process. On the other hand, if a coupon corresponding to the member store ID and store ID has been issued and it is determined that the user has already acquired the coupon, the electronic payment server 100 will issue a coupon that corresponds to the member store ID and the store ID. It is determined whether the payment means and usage conditions are satisfied (step S108). If it is determined that the credit card payment by the user satisfies the payment method and usage conditions of the coupon, the electronic payment server 100 applies the coupon to the user and grants a benefit (step S110). This completes the processing of this flowchart. In addition, in the flowchart of FIG. 14, the process of step S102 and the process of step S104 may be performed in reverse order or may be performed simultaneously.

In addition, in this embodiment, as described above, the credit payment server 200 transmits the credit card number and the credit payment store ID to the electronic payment server 100, and the electronic payment server 100 sends the user's credit card number and credit card payment store ID to the electronic payment server 100. (Account ID), and also identify the member store ID and store ID in the electronic payment service based on the credit payment store ID. However, the present invention is not limited to such a configuration, and the credit payment server 200 stores correspondence information between credit card numbers and account IDs, and/or correspondence information between credit payment store IDs, member store IDs, and store IDs. May be retained. In that case, the credit payment server 200 converts the credit card number received from the third store terminal device 80 into an account ID, and then transmits the account ID to the electronic payment server 100 (the process of step S102 in FIG. 14 is , the process of acquiring the account ID from the credit payment server 200). Further, the credit payment server 200 converts the credit payment store ID received from the third store terminal device 80 into a member store ID and a store ID, and then transmits the member store ID and store ID to the electronic payment server 100 ( The process of step S104 in FIG. 14 is a process of acquiring the affiliated store ID and store ID from the credit payment server 200). With such a configuration, the electronic payment server 100 can also provide a benefit to a user when the user makes a credit card payment.

According to the first embodiment described above, when a payment by a user at a physical store corresponds to a specific payment method among a plurality of payment methods in the payment service, a special benefit is provided to the user's terminal device. Give. Thereby, by providing benefits that take into account individual payment methods, it is possible to increase the variety of benefits and improve convenience for users.

[Second embodiment]
In the first embodiment, a case has been described in which the electronic payment server 100 that provides electronic payment services and the credit payment server 200 that provides credit payment services are provided as separate components. On the other hand, if the organization that operates the electronic payment server 100 and the organization that operates the credit payment server 200 are the same organization (or closely related organizations), the electronic payment server 100 and the credit payment server 200 as the same server may be more efficient. In the second embodiment, the electronic payment server 100 and the credit payment server 200 are provided on the same server in consideration of such circumstances. Hereinafter, the explanation will focus on the differences from the first embodiment.

FIG. 15 is a diagram illustrating an example of a configuration for realizing the payment service according to the second embodiment. As shown in FIG. 15, the payment service is realized mainly by the electronic payment server 100A. For example, the electronic payment server 100A is connected to a network with each of one or more user terminal devices 10, one or more first store terminal devices 50, and one or more second store terminal devices 70 in order to realize an electronic payment service. Communicate via NW. Further, the electronic payment server 100A communicates with one or more third store terminal devices 80 via the network NW in order to realize a credit payment service. Since the processing procedure of the electronic payment service by the electronic payment server 100A is the same as that of the first embodiment, the processing procedure of the credit payment service by the electronic payment server 100A will be explained below.

FIG. 16 is a diagram for explaining the flow of coupon application processing performed when the user's payment method is credit card payment in the second embodiment. First, the user accesses the dedicated page of the member store of the electronic payment service via the payment application 20 of the user terminal device 10 and obtains a coupon. At this time, the electronic payment server 100 stores the coupon ID of the coupon acquired by the user in the "acquired coupon" of the user information 172. Next, the user visits the store and performs credit card payment via the third store terminal device 80 as a means of payment. The third store terminal device 80 transmits a credit payment request including at least a credit card number, a credit payment store ID, and a payment amount to the electronic payment server 100A.

Upon receiving the credit card payment request, the electronic payment server 100A executes the credit card payment in cooperation with the acquirer's subsequent issuer and brand. At the same time, the payment processing unit 130 of the electronic payment server 100 executes coupon application processing based on the received credit payment information. More specifically, the payment processing unit 130 refers to the user information 172 using the credit card number included in the credit payment information as a key to identify the user who executed the credit card payment. Furthermore, using the credit card payment store ID included in the credit card payment information as a key, the payment processing unit 130 refers to the ID correspondence information 178 to identify the member store ID and store ID where the credit card payment was performed. Next, using the identified member store ID and store ID as keys, the payment processing unit 130 refers to the coupon information 180 and determines whether a coupon corresponding to the member store ID and store ID has been issued. . Next, if a coupon corresponding to the affiliated store ID and the store ID has been issued, the payment processing unit 130 determines whether the credit card payment performed by the user satisfies the conditions for applying the coupon. If it is determined that the credit card payment performed by the user satisfies the conditions for applying the coupon, the payment processing unit 130 grants the user a benefit according to the "benefits content" of the coupon.

Next, with reference to FIG. 17, a description will be given of the processing performed by the electronic payment server 100A when the user's payment method is credit card payment. FIG. 17 is a flowchart showing an example of the process flow of the electronic payment server 100A executed when the user's payment method is credit card payment. The process of the flowchart shown in FIG. 17 is executed, for example, when a user makes a credit card payment at a store of an affiliated store that participates in both credit card payment and electronic payment services.

First, the electronic payment server 100A executes credit card payment processing in response to receiving a credit payment request including at least a credit card number, a credit payment store ID, and a payment amount from the third store terminal device 80 (step S200). Next, the electronic payment server 100A identifies the user by referring to the user information 172 using the credit card number included in the credit payment information as a key (step S202). Next, the electronic payment server 100A refers to the ID correspondence information 178 using the credit card payment store ID included in the credit card payment information as a key, and identifies the member store ID and the store ID (step S204). Next, the electronic payment server 100A determines whether a coupon corresponding to the affiliated store ID and store ID has been issued and the user has acquired the coupon (step S206).

If the coupon corresponding to the member store ID and store ID has not been issued or the user has not acquired the coupon, the electronic payment server 100A ends the process. On the other hand, if a coupon corresponding to the member store ID and store ID has been issued, and it is determined that the user has already acquired the coupon, the electronic payment server 100A determines that the credit card payment by the user is not eligible for the coupon. It is determined whether the payment means and usage conditions are satisfied (step S208). If it is determined that the credit card payment by the user satisfies the payment method and usage conditions of the coupon, the electronic payment server 100 applies the coupon to the user and grants a benefit (step S210). This completes the processing of this flowchart. Note that, similarly to FIG. 14, in the flowchart of FIG. 17, the processing in step S202 and the processing in step S204 may be performed in reverse order or may be performed simultaneously.

According to the second embodiment described above, the electronic payment server 100A that provides both the electronic payment service and the credit payment service accepts the credit card payment request from the third store terminal device 80. When the payment is executed and the credit card payment satisfies the conditions for applying the coupon of the electronic payment service, the user is given the benefit of the coupon. Thereby, compared to the first embodiment, coupon application processing associated with credit card payment can be executed more efficiently.

[Third embodiment]
In the first embodiment and the second embodiment, a case has been described in which coupons are issued and applied to electronic payment services (balance payment and deferred payment) and credit card payment services using the payment application 20 as different payment methods. However, the invention is not limited to credit card payment services, and more generally, the invention can be implemented by working with external payment services as different payment instruments. In the third embodiment, a coupon is issued and applied for an electronic payment service using the payment application 20 and an electronic payment service different from the provider of the payment application 20.

FIG. 18 is a diagram illustrating an example of a configuration for realizing the payment service according to the third embodiment. In FIG. 18, the configurations of one or more user terminal devices 10, one or more first store terminal devices 50, one or more second store terminal devices 70, and electronic payment server 100B are the same as in the first embodiment. , the explanation is omitted. Furthermore, the third store terminal device 80, which is a credit card payment terminal, is excluded from the configuration of FIG. The second electronic payment server 200A provides an electronic payment service different from that provided by the payment application 20. More specifically, the second electronic payment server 200A causes the second payment application installed in the user terminal device 10 to execute the user scan described in FIG. 2 or the store scan described in FIG. 3, for example. This realizes a second electronic payment service. That is, the second electronic payment server 200A is operated by a different company from the electronic payment server 100B, and may be similar to the electronic payment server 100B in terms of the electronic payment implementation method.

FIG. 19 is a diagram showing an example of the contents of the ID correspondence information 178 according to the third embodiment. Among the ID correspondence information 178, the ID correspondence information 178A is information in which, for example, information such as the second electronic payment service store ID, member store ID, and store ID are associated with each other. The second electronic payment service store ID is ID information that identifies the store where the second electronic payment service was performed. That is, the ID correspondence information 178A is a store (store ID) of a member store (member store ID) that participates in the electronic payment service, which corresponds to the store where the second electronic payment service was executed (second electronic payment service store ID). It is something that links the.

Among the ID correspondence information 178, the ID correspondence information 178B is, for example, information in which the second electronic payment service account ID and the account ID are associated with each other. The second electronic payment service account ID is ID information that identifies a user who has registered to use the second electronic payment service. In other words, the ID correspondence information 178B links the user (account ID) who has registered the use of the electronic payment service to the user who used the second electronic payment service (second electronic payment service account ID). be.

FIG. 20 is a diagram for explaining the flow of coupon application processing executed when the user's payment method is credit card payment in the third embodiment. First, the user accesses the dedicated page of the member store of the electronic payment service via the payment application 20 of the user terminal device 10 and obtains a coupon. At this time, the electronic payment server 100B stores the coupon ID of the coupon acquired by the user in the "acquired coupon" of the user information 172. Next, the user uses the second payment application installed in the user terminal device 10 to perform a second electronic payment. The second electronic payment server 200A stores the second electronic payment service store ID of the store where the second electronic payment was performed, the second electronic payment service account ID of the user who performed the second electronic payment, and the payment amount. The second electronic payment information including at least the second electronic payment information is transmitted to the electronic payment server 100B. The payment processing unit 130 of the electronic payment server 100B executes coupon application processing based on the received second electronic payment information.

More specifically, the payment processing unit 130 uses the second electronic payment service account ID included in the second electronic payment information as a key and refers to the ID correspondence information 178B to identify the user who executed the second electronic payment. Identify. Furthermore, the payment processing unit 130 uses the second electronic payment service store ID included in the second electronic payment information as a key and refers to the ID correspondence information 178 to identify the member store ID and store ID where the second electronic payment was performed. Identify. Next, using the identified member store ID and store ID as keys, the payment processing unit 130 refers to the coupon information 180 and determines whether a coupon corresponding to the member store ID and store ID has been issued. . Next, if a coupon corresponding to the affiliated store ID and the store ID has been issued, the payment processing unit 130 determines whether the credit card payment performed by the user satisfies the conditions for applying the coupon. More specifically, the payment processing unit 130 determines whether or not the second electronic payment service is included in the "target payment means" of the coupon, and also determines whether the payment amount included in the second electronic payment information, etc. Based on this, it is determined whether the second electronic payment satisfies the "conditions of use" of the coupon. If it is determined that the credit card payment performed by the user satisfies the conditions for applying the coupon, the payment processing unit 130 grants the user a benefit according to the "benefits content" of the coupon. Next, in response to the execution of the second electronic payment by the user, the payment processing unit 130 notifies the second electronic payment server 200A of point grant information indicating that a benefit has been granted to the user, as necessary. do.

Next, with reference to FIG. 21, a description will be given of the processing performed by the electronic payment server 100B when the user's payment method is the second electronic payment. FIG. 21 is a flowchart showing an example of the process flow of the electronic payment server 100B executed when the user's payment method is the second electronic payment in the third embodiment. The process of the flowchart shown in FIG. 21 is executed, for example, when the user executes the second electronic payment.

First, the electronic payment server 100B acquires second electronic payment information including at least a second electronic payment service store ID, a second electronic payment service account ID, and a payment amount from the second electronic payment server 200A (step S300). Next, the electronic payment server 100B uses the second electronic payment service account ID included in the second electronic payment information as a key to identify the user by referring to the ID correspondence information 178B (step S302). Next, the electronic payment server 100B refers to the ID correspondence information 178A using the second electronic payment service store ID included in the second electronic payment information as a key, and identifies the member store ID and the store ID (step S304). Next, the electronic payment server 100B determines whether a coupon corresponding to the affiliated store ID and store ID has been issued and the user has acquired the coupon (step S306).

If the coupon corresponding to the member store ID and store ID has not been issued or the user has not acquired the coupon, the electronic payment server 100B ends the process. On the other hand, if a coupon corresponding to the member store ID and the store ID is issued and it is determined that the user has already acquired the coupon, the electronic payment server 100B determines that the second electronic payment by the user is not eligible for the coupon. It is determined whether the payment means and usage conditions are satisfied (step S308). If it is determined that the second electronic payment by the user satisfies the payment method and usage conditions of the coupon, the electronic payment server 100 applies the coupon to the user and grants a benefit (step S210). . This completes the processing of this flowchart. Note that, similarly to FIG. 14, in the flowchart of FIG. 21, the processing in step S302 and the processing in step S304 may be performed in reverse order or may be performed simultaneously.

According to the third embodiment described above, the electronic payment server 100B that provides the electronic payment service receives the second electronic payment information from the second electronic payment server 200A that provides the electronic payment service different from the electronic payment service. Accordingly, if the second electronic payment satisfies the conditions for applying the coupon of the electronic payment service, the user is given the benefit of the coupon. Thereby, by providing benefits that take into account individual payment methods, it is possible to increase the variety of benefits and improve convenience for users.

Although the mode for implementing the present invention has been described above using embodiments, the present invention is not limited to these embodiments in any way, and various modifications and substitutions can be made without departing from the gist of the present invention. can be added.

10 User terminal device 20 Payment application 50 First store terminal device 70 Second store terminal device 80 Third store terminal device 100, 100A Electronic payment server 110 Communication department 120 Payment content provision section 130 Payment processing section 140 Information management section 200 Credit Payment server 200A Second electronic payment server

Claims (12)

a payment information acquisition unit that processes payments related to purchases at stores and acquires payment information for payment services including multiple payment methods;
a benefit granting unit that grants, based on the payment information, a benefit that can be used for payment at a store affiliated with the payment service to a terminal device of a user linked to the payment information;
The benefit granting unit is configured to provide the benefit granting unit with the benefit provision unit, when the payment method used by the user for payment at the store among the plurality of payment methods corresponds to a specific payment method to which the benefit is granted. Granting the benefit to the user of the terminal device ,
The plurality of payment means in the payment service include a first payment means in a first payment service and a second payment means in a second payment service,
The benefit granting unit is configured to map a correspondence relationship between first store identification information that is store identification information in the first payment service and second store identification information that is store identification information in the second payment service. By referring to the information, the first store identification information corresponding to the second store identification information included in the payment information is identified, and the user of the plurality of payment means makes payment at the store. Determining whether or not the payment method used corresponds to a specific payment method to which the benefit is granted for the specified first store identification information ;
Information processing device. a payment information acquisition unit that processes payments related to purchases at multiple stores operated by the member store and acquires payment information for payment services including multiple payment methods;
a benefit granting unit that, based on the payment information, grants a benefit that can be used for payment at the plurality of stores to a terminal device of a user linked to the payment information;
The benefit granting unit is configured to provide the benefit granting unit with the benefit provision unit, when the payment method used by the user for payment at the store among the plurality of payment methods corresponds to a specific payment method to which the benefit is granted. Granting the benefit to the user of the terminal device ,
The plurality of payment means in the payment service include a first payment means in a first payment service and a second payment means in a second payment service,
The benefit granting unit determines whether the user has acquired in advance a coupon provided by the member store on the first payment service and in which the first payment method or the second payment method is designated. It is determined that the user has acquired the coupon in advance, and the payment method used by the user for payment at any one of the plurality of stores is 1 payment method or the second payment method, granting the benefit to the user of the terminal device;
Information processing device. a payment information acquisition unit that processes payments related to purchases at stores and acquires payment information for payment services including multiple payment methods;
a benefit granting unit that grants, based on the payment information, a benefit that can be used for payment at a store affiliated with the payment service to a terminal device of a user linked to the payment information;
The benefit granting unit is configured to provide the benefit granting unit with the benefit provision unit, when the payment method used by the user for payment at the store among the plurality of payment methods corresponds to a specific payment method to which the benefit is granted. Granting the benefit to the user of the terminal device ,
By referring to information indicating whether the user has already acquired a coupon specified by the specific payment method, the user can purchase a coupon other than the specific payment method to which the benefit is granted. further comprising a benefit notification unit that displays notification information regarding the specific payment method to a user of the terminal device when it is determined that the payment is attempted using the payment method;
Information processing device. The first payment means is electronic payment using a payment application installed in the terminal device, and the second payment means is credit card payment using a credit card held by the user.
The information processing device according to claim 1 or 2 . The first payment means is electronic payment using a payment application installed in the terminal device, and the second payment means is electronic payment using an electronic payment service different from the provider of the payment application. ,
The information processing device according to claim 1 or 2 . The benefit granting unit acquires payment information of the second payment means , and based on the payment information, if the second payment method corresponds to a specific payment method to which the benefit is granted. , granting the benefit to the user of the terminal device;
The information processing device according to claim 5 . The computer is
Process payments related to purchases at stores, obtain payment information for payment services including multiple payment methods,
Based on the payment information, give a user's terminal device linked to the payment information a benefit that can be used for payment at a store affiliated with the payment service;
If the payment method used by the user to make a payment at the store among the plurality of payment methods corresponds to a specific payment method to which the benefit is granted , the user of the terminal device granting the said benefits;
The plurality of payment means in the payment service include a first payment means in a first payment service and a second payment means in a second payment service,
By referring to mapping information representing a correspondence relationship between first store identification information, which is store identification information in the first payment service, and second store identification information, which is store identification information in the second payment service. , specifying the first store identification information corresponding to the second store identification information included in the payment information, and determining which payment method among the plurality of payment methods the user used for payment at the store ; determining whether the identified first store identification information corresponds to a specific payment method to which the benefit is granted ;
Information processing method. to the computer,
Process payments related to purchases at stores, obtain payment information for payment services including multiple payment methods,
Based on the payment information, the terminal device of the user associated with the payment information is granted a benefit that can be used for payment at a store affiliated with the payment service;
If the payment method used by the user to make a payment at the store among the plurality of payment methods corresponds to a specific payment method to which the benefit is granted , the user of the terminal device grant the said benefits;
The plurality of payment means in the payment service include a first payment means in a first payment service and a second payment means in a second payment service,
By referring to mapping information representing a correspondence relationship between first store identification information, which is store identification information in the first payment service, and second store identification information, which is store identification information in the second payment service. , specifying the first store identification information corresponding to the second store identification information included in the payment information, and determining which payment method among the plurality of payment methods the user used for payment at the store ; determining whether or not the identified first store identification information corresponds to a specific payment method to which the benefit is granted ;
program. The computer is
Process payments for purchases at multiple stores operated by member stores , obtain payment information for payment services that include multiple payment methods,
Based on the payment information, give a user's terminal device linked to the payment information a benefit that can be used for payment at the plurality of stores ;
If the payment method used by the user to make a payment at the store among the plurality of payment methods corresponds to a specific payment method to which the benefit is granted , the user of the terminal device granting the said benefits;
The plurality of payment means in the payment service include a first payment means in a first payment service and a second payment means in a second payment service,
determining whether the user has acquired a coupon in advance provided by the member store on the first payment service and specifying the first payment means or the second payment means; It is determined that the user has acquired the coupon in advance, and the payment method used by the user for payment at any one of the plurality of stores is the first payment method or the first payment method. 2. Granting the benefit to the user of the terminal device if it falls under the payment method;
Information processing method. to the computer,
Process payments related to purchases at multiple stores operated by member stores , obtain payment information for payment services that include multiple payment methods,
Based on the payment information, a user's terminal device linked to the payment information is given a benefit that can be used for payment at the plurality of stores ;
If the payment method used by the user to make a payment at the store among the plurality of payment methods corresponds to a specific payment method to which the benefit is granted , the user of the terminal device grant the said benefits;
The plurality of payment means in the payment service include a first payment means in a first payment service and a second payment means in a second payment service,
determining whether or not the user has previously acquired a coupon provided by the member store on the first payment service and designated by the first payment means or the second payment means; It is determined that the user has acquired the coupon in advance, and the payment method used by the user for payment at any one of the plurality of stores is the first payment method or the first payment method. 2. Granting the benefit to the user of the terminal device if the payment method falls under the above payment method;
program. The computer is
Process payments related to purchases at stores, obtain payment information for payment services including multiple payment methods,
Based on the payment information, give a user's terminal device linked to the payment information a benefit that can be used for payment at a store affiliated with the payment service;
If the payment method used by the user to make a payment at the store among the plurality of payment methods corresponds to a specific payment method to which the benefit is granted , the user of the terminal device granting the said benefits ;
By referring to information indicating whether the user has already acquired a coupon specified by the specific payment method, the user can purchase a coupon other than the specific payment method to which the benefit is granted. If it is determined that the payment is attempted using the payment method, displaying notification information regarding the specific payment method to the user of the terminal device;
Information processing method. to the computer,
Process payments related to purchases at stores, obtain payment information for payment services including multiple payment methods,
Based on the payment information, the terminal device of the user associated with the payment information is granted a benefit that can be used for payment at a store affiliated with the payment service;
If the payment method used by the user to make a payment at the store among the plurality of payment methods corresponds to a specific payment method to which the benefit is granted , the user of the terminal device grant the said benefits;
By referring to information indicating whether the user has already acquired a coupon specified by the specific payment method, the user can purchase a coupon other than the specific payment method to which the benefit is granted. If it is determined that the payment is attempted using the payment method, displaying notification information regarding the specific payment method to the user of the terminal device;
program.

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