JP2020030491A - Device, method, and program for processing information - Google Patents

Abstract

To provide a device, method and program for processing information, which allow for encouraging users to consider asset management.SOLUTION: An information processing device 1 comprises a management unit 30 configured to manage a privilege usable for payment at specific stores for each user, and an investment unit 32 configured to invest the privilege managed by the management unit 30 by converting the privilege into an investment product.SELECTED DRAWING: Figure 3

Description

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

  2. Description of the Related Art Conventionally, there is an operation system for operating points obtained by a user using a credit card. In such an operation system, an interest point is given according to a point operation period.

JP 2010-92281 A

  However, there is room for improvement in the above technique in that the user is encouraged to manage assets. That is, in the above-described related art, such points cannot be used during the period in which the points are operated, and the liquidity of the points is reduced.

  The present application has been made in view of the above, and an object of the present invention is to provide an information processing apparatus, an information processing method, and an information processing program that can prompt a user to manage assets.

  An information processing apparatus according to the present application includes a management unit and an operation unit. The management unit manages benefits available for payment at a specific store for each user. The operation unit operates by converting the privilege managed by the management unit into an investment product.

  According to an aspect of the embodiment, it is possible to prompt a user to manage assets.

FIG. 1 is a diagram illustrating an example of information processing according to the embodiment. FIG. 2 is a diagram illustrating a configuration example of the information processing system according to the embodiment. FIG. 3 is a diagram illustrating a configuration example of the information processing apparatus according to the embodiment. FIG. 4 is a diagram illustrating an example of a user information table according to the embodiment. FIG. 5 is a diagram illustrating an example of an asset information table according to the embodiment. FIG. 6 is a diagram illustrating a specific example of a process performed by the distribution unit. FIG. 7A is a diagram illustrating an example of the notification screen. FIG. 7B is a diagram showing an example of a screen showing a breakdown of assets. FIG. 7C is a diagram illustrating an example of a screen for selecting a financial product. FIG. 7D is a diagram illustrating an example of a purchase screen. FIG. 8 is a flowchart illustrating a processing procedure executed by the information processing apparatus according to the embodiment. FIG. 9 is a hardware configuration diagram illustrating an example of a computer that implements the functions of the information processing apparatus according to the embodiment.

  Hereinafter, an information processing apparatus, an information processing method, and an embodiment for executing an information processing program according to the present application (hereinafter, referred to as “embodiment”) will be described in detail with reference to the drawings. The information processing apparatus, the information processing method, and the information processing program according to the present application are not limited by the embodiment. In the following embodiments, the same portions are denoted by the same reference numerals, and redundant description will be omitted.

[1. Information processing)
First, an example of information processing performed by the information processing apparatus according to the embodiment will be described with reference to FIG. FIG. 1 is a diagram illustrating an example of information processing according to the embodiment.

  The information processing apparatus illustrated in FIG. 1 is a server that manages electronic money for each user, and performs a payment process of paying an amount corresponding to the payment amount to a store when the user performs electronic money payment at the store. That is, the information processing device functions as a wallet on the Internet for each user.

  In general, benefits such as points are returned to the user for settlement using electronic money. In addition, the privilege can be used at a specific store (hereinafter, referred to as a member store).

  The information processing device manages the privilege and operates the privilege to encourage the user to manage the asset. Specifically, first, the information processing device performs a purchase process of purchasing an investment product using a privilege (step S1).

  For example, the information processing apparatus can open an account with a securities company for each user and purchase investment products through the account. Here, the investment product is an investment product whose principal is not guaranteed, such as a stock certificate or an investment trust.

  Then, the information processing apparatus periodically notifies the user of an asset as a privilege held by the user (step S2). That is, when the stock price or the value of the investment trust increases, the asset value as a privilege increases, and when the stock price or the value of the investment trust decreases, the asset value as a privilege decreases.

  In addition, the information processing apparatus can also notify the user of a stock certificate held by the user or a dividend of the investment trust included in the asset. As described above, the information processing apparatus can notify the user of the asset to make the user realize that the asset is increasing.

  Then, when the user purchases a product at the member store (step S3), a settlement request is notified from the store terminal to the information processing device (step S4). The information processing device performs the selling process of the investment product in response to the settlement request (step S5).

  As a result, investment products can be exchanged for electronic money. At this time, the procedure for selling the investment product by the user is unnecessary. In other words, the information processing device automatically sells the investment product according to the settlement amount. As a result, it is possible to secure liquidity for the user's privilege. Then, the information processing device performs a settlement process of transferring the electronic money obtained by selling the investment product to the account of the store terminal (step S6).

  In this way, the information processing apparatus can easily perform asset management by changing a privilege into an investment product and operate it, so that the user can be encouraged to manage the asset. Note that the information processing apparatus can operate electronic money, but this will be described later.

[2. Information processing system]
FIG. 2 is a diagram illustrating an example of a configuration of the information processing system according to the embodiment. As illustrated in FIG. 2, the information processing system 100 according to the embodiment includes an information processing apparatus 1, a plurality of terminal devices 2-1 to 2-n (n is an integer of 2 or more), and a plurality of store terminals 3- 1 to 3-m (m is an integer of 2 or more), a bank server 4, and an investment destination server 5. The bank server 4 is a bank server that provides an operation account for operating electronic money owned by each of the users U-1 to Un. The management account indicates a deposit product provided by each financial institution, such as an ordinary deposit, a time deposit, and a structured deposit. The investee server 5 is a server that provides various financial products.

  The information processing device 1, the plurality of terminal devices 2-1 to 2-n, the plurality of store terminals 3-1 to 3-m, the bank server 4 and the investee server 5, and each other via a network 6 by wire or wirelessly. Connected communicable. The network 6 is, for example, a LAN (Local Area Network) or a WAN (Wide Area Network) such as the Internet. The terminal devices 2-1 to 2-n are operated by users U-1 to Un.

  Hereinafter, when each of the terminal devices 2-1 to 2-n is shown without being distinguished, it is described as the terminal device 2. In addition, when each of the store terminals 3-1 to 3-m is shown without being distinguished, it is described as a store terminal 3, and when each of the users U-1 to Un is shown without being distinguished, it is described as a user U. I do.

  The terminal device 2 is a terminal device of the user U, and is a smart device (communication terminal) such as a smartphone, a tablet terminal, a PDA (Personal Digital Assistant), and a personal computer. The terminal device 2 can execute various applications such as an application provided by an operator of the information processing device 1 and a browser. The terminal device 2 can access the information processing device 1 via the network 6 and deposit electronic money. In addition, the user U can use the terminal device 2 to perform electronic money settlement and refund of the balance of the operating account.

  The user U can also increase the balance of electronic money by purchasing a prepaid voucher such as a prepaid card that can be used via the network 6. The difference added to the prepaid voucher will be treated as a privilege. Benefits are given as so-called points.

  Other benefits include points given based on the purchase behavior performed by the user U at the member store. Here, the points include points given from a credit card company and points given to the purchase of a product itself when payment is made using a credit card.

  The points based on the purchase behavior of the user U are returned to the user U for the purchase behavior, and the points in the prepaid voucher are determined by the user U purchasing the prepaid voucher. Will be given as points.

  The store terminal 3 is a terminal installed at a store where electronic money settlement is possible, that is, a member store. The store terminal 3 can perform online payment by accessing the information processing device 1 via the network 6 when the user U purchases a product.

  The bank server 4 is a server of a so-called internet bank, and can make a profit by aggregating and investing funds deposited in each management account. A part of the profit is distributed to each user U's management account as interest according to the balance of each management account and the management period. The bank server 4 can realize a relatively high yield by causing the artificial intelligence (AI) to learn big data aggregated in each service operated by the information processing device 1 and determine an investment destination. .

  Note that the bank server 4 applies a so-called deposit insurance system for guaranteeing the principal of the money deposited in the investment account. Therefore, the investment account can be said to be a financial product of an asset whose principal is guaranteed.

  The investee server 5 is a server that provides various financial products. The investee server 5 provides various financial products for electronic money and benefits of the user U managed by the information processing device 1. The financial products provided by the investee server 5 include government bonds, investment trusts, securities, foreign currency transactions, foreign currency deposits, and the like. Note that the investee server 5 may be operated by one securities company, or may be operated by a different company depending on the financial product.

[3. Information processing device)
FIG. 3 is a diagram illustrating an example of a configuration of the information processing apparatus according to the embodiment. As shown in FIG. 3, the information processing device 1 includes a communication unit 10, a storage unit 11, and a control unit 12 (controller). Hereinafter, the communication unit 10, the storage unit 11, and the control unit 12 will be specifically described.

[3.1. Communication section)
The communication unit 10 is a communication interface for transmitting and receiving information to and from the network 6. The control unit 12 can transmit and receive various types of information to and from each other via the communication unit 10 and the network 6.

[3.2. (Storage unit)
The storage unit 11 has a user information DB 20 and an asset information DB 21. The storage unit 11 is, for example, a semiconductor memory device such as a flash memory, or a storage device such as an HDD or an optical disk.

[3.2.1. User information DB]
The user information DB 20 has a user information table including a plurality of pieces of user information that are information on the user U. The user U is a user of a service provided by a business operator that operates and manages the information processing device 1. The service provided by such a business is an online service that provides a service to the user U online, for example, an e-commerce service provided by an e-commerce site, an auction service provided by an auction site, a video distribution site And a news distribution service provided by a news site.

  FIG. 4 is a diagram illustrating an example of a user information table according to the embodiment. The user information table 41 shown in FIG. 4 is information in which various types of personal information such as “user ID”, “name”, “address”, “sex”, “age”, and “operating account” are associated with each other.

  “User ID” is identification information of the user U. The user ID is an account of the user U for the online service described above. The user ID may be any information that identifies the user U, and the identification information of the terminal device 2 used by the user U may be the user ID. For example, the user ID may be identification information specified by an HTTP (Hypertext Transfer Protocol) cookie.

  “Name” indicates the name of the user U, and “Address” indicates the address of the user U. “Gender” indicates the gender of the user U, and “age” indicates the age of the user U. Based on this information, the above-mentioned management account is opened. The “operating account ID” is identification information of the operating account.

  In addition, only the user ID is given to the user U for which the personal information is not registered.

[3.2.2. Asset Information DB]
The asset information DB 21 has an asset information table including a plurality of asset information, which is information on assets for each user U. Here, the assets refer to the assets of the user U managed on the service side provided by the business operator that operates and manages the information processing apparatus 1.

  FIG. 5 is a diagram illustrating an example of an asset information table according to the embodiment. The asset information table 42 shown in FIG. 5 is information on the deposit and withdrawal history for each type of asset held by the user, and “date and time”, “money type”, “operating destination”, and “total asset” are associated with each other. Information.

  The “date and time” indicates the date and time when the property of the user U has changed, and the “money type” indicates the type of electronic money held by the user U and is roughly classified into “electronic money” and “privilege”. .

  “Electronic money” corresponds to the balance of the operation account of the user U. The privilege corresponds to the point balance given based on the purchase behavior of the user U and the difference added to a prepaid card such as a prepaid card purchased by the user U. Note that the user U can make electronic money settlement using both electronic money and benefits. In addition, it is assumed that 1 yen of electronic money and 1 point of privilege have the same value.

  The “operating destination” indicates an investing destination that the user U has purchased using electronic money and benefits as funds. The example illustrated in FIG. 5 illustrates a case where “management” includes “government bonds”, “investment trusts”, “FX”, and the like. “Total assets” indicates the total amount of all assets held by the user U.

  In the example shown in FIG. 5, electronic money settlement for 3000 yen is performed on “2018 3/16”, and the investment profit of the investment trust is added to “2018 3/17” on electronic money, and “+125 yen” is added. , And that "12 points" of investment trust investment profit is added to the privilege.

[3.3. Control unit)
The control unit 12 includes, for example, a microcomputer having a CPU (Central Processing Unit), a ROM (Read Only Memory), a RAM (Random Access Memory), an input / output port, and various circuits.

  As shown in FIG. 3, the control unit 12 includes a management unit 30, a distribution unit 31, an operation unit 32, and a settlement processing unit 33. The functions of the management unit 30, the distribution unit 31, the operation unit 32, and the settlement processing unit 33 are, for example, such that the CPU of the control unit 12 reads out a program stored in the RAM, the ROM, or the storage unit 11 of the control unit 12. It is realized by executing.

  The management unit 30, the distribution unit 31, the operation unit 32, and the settlement processing unit 33 are partially or entirely configured by hardware such as an ASIC (Application Specific Integrated Circuit) or an FPGA (Field Programmable Gate Array). Is also good.

  When the user U performs the electronic money settlement at the store, the control unit 12 performs the settlement process of paying the amount corresponding to the settlement amount to the store, and mediates various operations of the assets received from the user U to the electronic money. . The control unit 12 can also use the privilege obtained by the user U in the electronic money settlement for operation.

[3.3.1. Management Department〕
The management unit 30 manages benefits available at the time of payment at the member store for each user U. The management unit 30 manages the history of purchasing behavior at the member store for each user U, and gives points as benefits according to the purchasing behavior.

  Further, as described above, when the user U purchases a prepaid voucher, the management unit 30 can also give the difference to the prepaid voucher as a point to the user U. That is, the user U can obtain the privilege through both the purchase behavior at the member store and the purchase of the prepaid voucher.

  Further, the management unit 30 can also manage payment for electronic money. For example, the management unit 30 can accept payment to the electronic money by an account charge in which cash is charged from a bank account of the user U or a store charge in which the user U pays cash in a store such as a convenience store.

  In addition, the management unit 30 can also receive, for example, a profit obtained by the user U as a deposit into electronic money in a service (such as an online auction or a net flea market) operated by the information processing apparatus 1.

[3.3.2. (Distribution section)
The allocating unit 31 allocates operation destinations according to the type of asset held by the user U. FIG. 6 is a diagram illustrating a specific example of the process performed by the distribution unit 31. FIG. 6 is a diagram illustrating a specific example of the process performed by the distribution unit 31. Here, a description will be given of a case where the user U is provided with 200 points of privilege in each of a case where the user 5000 deposits the cash 5000 yen into the electronic money as it is and a case where the user U purchases a prepaid voucher for the case of 5000 yen. In addition, as described above, the privilege is also provided when the user U performs shopping at a member store.

  As shown in FIG. 6, when the user U deposits 5000 yen into electronic money, the electronic money increases by 5000 yen. In this case, the distribution unit 31 distributes the electronic money 5000 yen to the investment account as an investment destination, and distributes the privilege of 200 points for the electronic money 5000 yen to the investment product as the investment destination. As described above, investment products are investment products whose principal is not guaranteed, and excluding government bonds and corporate bonds whose principal is guaranteed. The investment profit and sale gain of the investment product are treated in the same way as the privilege, but it is also possible to deposit the investment account.

  Similarly, when the user U purchases a prepaid voucher for 5,000 yen, the allocating unit 31 allocates the operation destination for 5,000 yen to the operation account in the same manner as the above-mentioned electronic money of 5,000 yen, and deposits the electronic money. At this time, for the 200 points awarded as a privilege, the investment destination is allocated to investment products.

  In an investment account, interest can be obtained according to the balance of the deposit and the operation period. Furthermore, the distribution unit 31 can also distribute various financial products as an operation destination of the deposit balance of the operation account of the user U. In this case, the user U can purchase all financial products including investment products using the deposit balance of the management account. That is, the allocating unit 31 does not particularly specify the operating destination of the balance of the operating account.

  In addition, the operating profit distributed to the user U in accordance with the purchase of various financial products and the profit of selling various financial products are deposited in the management account. Note that the distribution unit 31 can also directly distribute the electronic money to government bonds, corporate bonds, and investment trusts without going through an investment account as an investment destination of the electronic money. However, in this case, an upper limit is set for the transaction amount per day, and the user U cannot transact beyond the upper limit. On the other hand, by mediating an investment account, the upper limit of the transaction amount can be eliminated.

  That is, the user U can increase the transaction amount that can be traded per day by purchasing various financial products through the management account. Therefore, once the recipient of the electronic money is allocated to the investment account, not only is it possible to automatically earn interest, but also to purchase various financial products exceeding the upper limit of the transaction amount provided for the electronic money. It becomes possible.

  In this way, the distribution unit 31 allocates the operation destinations according to the type of money, so that all currencies available on the network 6 can be used for the asset management of the user U. Further, the user U can hedge the risk by purchasing different investment products according to the type of money.

  In this way, the distribution unit 31 allocates the operation destinations according to the type of money, so that all currencies available on the network 6 can be used for the asset management of the user U. Further, the user U can hedge the risk by purchasing different investment products according to the type of money.

  Note that the distribution unit 31 may treat all of the prepaid vouchers as a privilege for the user U for whom an operation account is not opened. In addition, the distribution unit 31 may allocate the operation destination of the electronic money so that only the financial products whose principal is guaranteed can be purchased in consideration of the balance with the operation destination of the privilege. .

[3.3.3. Operation Department)
The operation unit 32 operates the privilege managed by the management unit 30 by converting it into an investment product. The operation unit 32 can also operate by converting electronic money into various financial products via the above-mentioned operation account. In addition, the operation unit 32 purchases investment products of the operation destination allocated according to the type of money by the distribution unit 31 described above.

  By the way, in general, a privilege has an effective period. For this reason, it is assumed that the expiration date expires during the period when the privilege is being used for operation. For this reason, the operation unit 32 can extend the validity period for the period in which the privilege is converted to the investment product by the period.

  As a result, the user U can transfer the privilege to operation without worrying about the expiration date of the privilege. In addition, the management unit 32 can reset the expiration date when the investment product is changed to the privilege again.

  Accordingly, it is possible to encourage the user U to operate a privilege particularly whose expiration date is imminent. In addition, the management unit 32 returns the management profit and the sales gain of the investment product based on the benefit to the user U as the benefit. Thereby, it becomes possible for the user U to promote shopping at the member store.

  In addition, the operation unit 32 can also deposit an operation profit or a sale profit based on the privilege into the operation account of the user U. In this case, it is also possible to reimburse the user U for such operation profit or sale profit as cash.

[3.3.4. Settlement processing section)
At the time of payment at the member store, the payment processing unit 33 performs payment processing using electronic money obtained by selling the investment product according to the payment amount. When the user U has paid at the member store, the payment processing unit 33 receives a payment request from the store terminal 3 (see FIG. 2) installed at the member store. Subsequently, the settlement processing unit 33 checks the balance of the privilege held by the user U.

  At this time, if the balance of the privilege is sufficient for the payment amount, the payment processing unit 33 performs the payment process by transferring the privilege to the account of the member store. When the balance of the privilege is insufficient, the settlement processing unit 33 performs a sale process of the investment product based on the privilege via the operation unit 32. At this time, the user U can specify which investment product to sell.

  Then, the payment processing unit 33 can perform the above-described payment processing using the electronic money obtained by selling the investment product. As described above, the settlement processing unit 33 can secure the liquidity of the asset of the user U by selling the investment product and performing settlement. Further, since the settlement processing unit 33 performs a procedure for selling investment products on behalf of the user U, the operation by the user U can be simplified.

  At this time, the payment processing unit 33 can also perform the payment processing by combining the privilege balance and the electronic money balance. That is, the payment processing unit 33 can perform the payment processing by using the privilege for a part of the payment amount and allocating the electronic money to the remaining payment amount.

  In addition, the settlement processing unit 33 can directly perform the settlement processing using the investment product. That is, the settlement process can be performed by transferring the investment product from the user U to the member store. In this case, since the process of selling the investment product can be omitted, the settlement process can be easily performed.

  Further, the payment processing unit 33 can also perform the payment of the electronic money held by the user U. In this case, the payment processing unit 33 performs a payment process by extracting a necessary amount from the operating account to the electronic money via the operation unit 32 when the user U pays with the electronic money.

  Further, in this case, the settlement processing unit 33 can also perform electronic money settlement using the price of the financial product after appropriately selling the financial product purchased by the user U via the operation account.

  As described above, the user U can make a payment using all the assets of the user U managed by the information processing apparatus 1. As a result, it is possible for the user U to promote the use of the electronic money and to promote the purchase behavior at the member store.

  Next, with reference to FIGS. 7A to 7D, a description will be given of an example of a process from when the asset is notified to the user U to when the user U purchases the investment product with the privilege. FIG. 7A is a diagram illustrating an example of the notification screen.

  As shown in FIG. 7A, the terminal device 2 is notified of the increase or decrease of the assets of the user U on the lock screen. The example illustrated in FIG. 7A illustrates a case where an application installed in advance in the terminal device 2 is a so-called application notification that notifies a message.

  This allows the user U to easily confirm the change in the asset value. In addition, the message is notified of the change in the asset from the previous day. Therefore, the user U can easily grasp the increase / decrease amount of his / her own property.

  The notification is not limited to the application notification, but may be notified using other notification methods such as notification of a change in assets when the user U opens an application or a web page provided by the information processing apparatus 1. Good.

  When the user U operates the terminal device 2 and opens the application, the breakdown of assets is displayed as shown in FIG. 7B. FIG. 7B is a diagram showing an example of a screen showing the breakdown of assets. As shown in FIG. 7B, when the application is opened, “Total Money”, “Total Assets”, and “Breakdown of Total Assets” of user U are displayed.

  “Total money” is the total amount of electronic money held by the user U, and indicates the balance of the operating account. “Total assets” indicates the total amount of the assets of the user U managed by the information processing apparatus 1 including the financial products in addition to the total amount of money. In the “Total assets”, the total amount of the privilege is displayed in addition to the above total amount.

  “Breakdown of total assets” indicates the breakdown of total assets. The example shown in FIG. 7B shows a case where the YY fund (securities company), stock and money are displayed as breakdowns. In each breakdown, the amount of change from the previous day is displayed. Thereby, the user U can easily grasp in which financial product the total assets have increased or decreased.

  The user U can easily consider purchasing or selling a financial product based on an increase / decrease of the previous day for each financial product. In addition, when the user U selects “see other products” shown in FIG. 7B, the terminal device 2 displays a financial product selection screen.

  FIG. 7C is a diagram illustrating an example of a screen for selecting a financial product. As shown in FIG. 7C, on the selection screen, a list of financial products that can be purchased with electronic money or benefits is displayed. Further, as shown in FIG. 7C, a relative risk is displayed for each financial product.

  The example illustrated in FIG. 7C indicates that the risk of the money management fund (MMF) is low, the risk of the YY fund (securities company) is medium, and the risk of FX is high. Thus, by presenting the relative risk to the user U in advance, the user U can easily grasp the risk for each financial product.

  This allows the user U to select the financial product to be purchased based on the risk, so that the user U can easily select a financial product that meets his or her values.

  FIG. 7D is a diagram illustrating an example of a purchase screen. FIG. 7D shows a case where the user U selects “YY fund” among the financial products shown in FIG. 7C. In FIG. 7D, on the purchase screen, a purchase price column for specifying the purchase price, a payment method, and the like are displayed along with a chart showing price fluctuations.

  By presenting the chart on the purchase screen, it becomes possible for the user U to easily grasp the change in the value of the financial product. In addition, as shown in FIG. 7D, when the privilege is selected as the payment method, the balance of the privilege is also displayed.

  That is, the balance of the privilege becomes the upper limit of the amount of money that the user U can purchase a financial product using the privilege. Other payment methods include payment using electronic money, credit card payment, and the like.

  For investment products whose principal is not guaranteed, such as “YY fund”, the privilege balance and the electronic money balance may be displayed together.

  After specifying the purchase price and the payment method, the user U can purchase a financial product by operating the slide bar shown in FIG. 7D. Based on the operation, the operation unit 32 purchases the designated financial product for the designated amount.

  As described above, the management unit 32 can encourage the user U to use the asset by purchasing the investment product using the privilege. In particular, since the privilege is returned to the user U as a bonus for the purchasing behavior, it is possible to reduce the psychological barrier of the user U to the purchase of the investment product. This is effective when the user U performs asset management for the first time.

[4. Processing procedure of information processing device]
The processing procedure of the information processing device 1 will be described with reference to FIG. FIG. 8 is a flowchart illustrating a processing procedure executed by the information processing apparatus 1 according to the embodiment.

  As illustrated in FIG. 8, the information processing apparatus 1 first selects a user U having a privilege (step S101), and purchases an investment product of a designated amount for each selected user (step S102). .

  Subsequently, the information processing device 1 notifies the user U of the asset at a predetermined cycle (step S103). The information processing device 1 determines whether or not the user U has paid at the member store (step S104).

  When the user U has made a payment at the affiliated store (step S104, Yes), the information processing device 1 determines whether the payment amount is equal to or more than the privilege balance (step S105). When the payment amount is equal to or more than the privilege balance (Yes at Step S105), the information processing device 1 sells the investment product according to the shortage amount (Step S106).

  Subsequently, the information processing device 1 performs a settlement process using the electronic money obtained by selling the investment product (step S107), and ends the process. If the settlement amount is less than the privilege balance in step S105 (step S105, No), the process proceeds to step S107. If there is no payment at the member store (step S104, No), the information processing device 1 ends the process.

  The processing of steps S101 to S103 is repeatedly executed regardless of the presence or absence of the processing after step S104.

[5. Hardware configuration)
The information processing apparatus 1 in the above-described embodiment is realized by, for example, a computer 200 having a configuration as illustrated in FIG. 11 executing a program.

  FIG. 11 is a diagram illustrating an example of a hardware configuration of a computer that executes a program according to the embodiment. The computer 200 includes a CPU 201, a RAM 202, a ROM 203, an HDD 204, a communication interface (I / F) 205, an input / output interface (I / F) 206, and a media interface (I / F) 207.

  The CPU 201 operates based on a program stored in the ROM 203 or the HDD 204 and controls each unit. The ROM 203 stores a boot program executed by the CPU 201 when the computer 200 is started, a program depending on hardware of the computer 200, and the like.

  The HDD 204 stores data used by programs executed by the CPU 201 and the like. The communication interface 205 corresponds to the communication unit 10, receives data from another device via the network 6, sends the data to the CPU 201, and transmits the data generated by the CPU 201 to the other device via the network 6.

  The CPU 201 controls output devices such as a display and a printer and input devices such as a keyboard and a mouse via the input / output interface 206. The CPU 201 acquires data from an input device via the input / output interface 206. Further, the CPU 201 outputs the generated data to an output device via the input / output interface 206.

  The media interface 207 reads a program or data stored in the recording medium 208 and provides the program or data to the CPU 201 via the RAM 202. The CPU 201 loads the program from the recording medium 208 onto the RAM 202 via the media interface 207, and executes the loaded program. The recording medium 208 is, for example, an optical recording medium such as a DVD (Digital Versatile Disc), a PD (Phase Change Rewritable Disk), a magneto-optical recording medium such as an MO (Magneto-Optical disk), a tape medium, a magnetic recording medium, or a semiconductor memory. And so on.

  The CPU 201 of the computer 200 can realize the functions of the management unit 30, the distribution unit 31, the operation unit 32, and the payment processing unit 33 by executing the program loaded on the RAM 202. In addition, each of the management unit 30, the distribution unit 31, the operation unit 32, and the settlement processing unit 33 may be partially or entirely configured with hardware only.

  The CPU 201 of the computer 200 reads the program from the recording medium 208 and executes the program. As another example, the CPU 201 may acquire the program from another device via the network 6. Note that the HDD 204 corresponds to the storage unit 11 and stores the same data as the storage unit 11. Further, instead of the HDD 204, a semiconductor memory device such as a RAM or a flash memory, or a storage device such as an optical disk may be used.

[6. effect〕
The information processing apparatus 1 includes a management unit 30 that manages benefits available for payment at a specific store for each user, and an operation unit 32 that operates the benefits managed by the management unit 30 in exchange for investment products. Therefore, it is possible to encourage the user U to manage assets.

  In addition, the management unit 30 manages points given based on the purchase behavior of the user in a specific store as a privilege. Therefore, it is possible for the user U to perform asset management using the points accumulated based on the purchasing behavior.

  Further, the management unit 30 manages the difference added to the prepaid voucher as a privilege. Therefore, since the user can arbitrarily increase the privilege, it is possible to promote asset management using the privilege.

  The operation unit 32 converts the privilege into an investment product whose principal is not guaranteed. Therefore, it is possible to manage assets through benefits.

  In addition, the information processing apparatus 1 includes a payment processing unit 33 that performs a payment process using electronic money obtained by selling investment products at the time of payment at a specific store. Therefore, it is possible to facilitate the asset management of the user U while securing the liquidity of the asset of the user U.

  The payment processing unit 33 performs payment processing using investment products at the time of payment at a specific store. Therefore, the settlement processing can be easily performed.

  In addition, the management unit 32 extends the use period provided for the benefit during the period in which the benefit is managed as an investment product. Therefore, the user U can use the privilege for operation without worrying about the expiration date of the privilege.

  In addition, the management unit 32 notifies the user U of an asset based on the management period of the investment product. Therefore, it is possible to make the user U feel that the assets are increasing.

  In addition, the information processing apparatus 1 includes a distribution unit 31 that allocates operation destinations according to the type of asset held by the user. Therefore, all the assets held by the user U can be used for asset management.

  The information processing apparatus 1 described above may be realized by a plurality of server computers, or may be realized by calling an external platform or the like by an API (Application Programming Interface) or network computing depending on the function. The configuration can be changed flexibly.

  Further, the above-mentioned “section (section, module, unit)” can be read as “means”, “circuit”, or the like. For example, the acquiring unit can be replaced with an acquiring unit or an acquiring circuit.

  As described above, the present invention has been described using the above embodiment, but the technical scope of the present invention is not limited to the scope described in the above embodiment. It is apparent to those skilled in the art that various changes or improvements can be made to the above embodiment. It is apparent from the description of the appended claims that embodiments with such changes or improvements can be included in the technical scope of the present invention.

DESCRIPTION OF SYMBOLS 1 Information processing device 2 Terminal device 3 Store terminal 4 Bank server 5 Investment server 30 Management part 31 Distributing part 32 Operation part 33 Payment processing part 41 User information table 42 Asset information table

Claims (11)

A management unit that manages benefits available for payment at a specific store for each user,
And an operating unit for converting the privilege managed by the management unit into an investment product and operating the investment product. The management unit,
The information processing apparatus according to claim 1, wherein points provided based on a user's purchasing behavior in the specific store are managed as the privilege. The management unit,
The information processing apparatus according to claim 1, wherein a difference added to a prepaid voucher is managed as the privilege. The operation unit,
The information processing apparatus according to claim 1, wherein the privilege is exchanged for the investment product whose principal is not guaranteed. The information according to any one of claims 1 to 4, further comprising: a payment processing unit that performs payment processing using electronic money obtained by selling the investment product at the time of payment at the specific store. Processing equipment. The settlement processing unit,
The information processing apparatus according to claim 5, wherein a payment process is performed using the investment product at the time of payment at the specific store. The operation unit,
The information processing apparatus according to any one of claims 1 to 6, wherein a use period provided for the privilege is extended during a period in which the privilege is operated as the investment product. The operation unit,
The information processing apparatus according to any one of claims 1 to 7, wherein a user is notified of an asset based on an operation period of the investment product. The information processing apparatus according to any one of claims 1 to 8, further comprising a distribution unit that distributes an operation destination according to a type of an asset held by a user. An information processing method executed by a computer,
An acquisition step of acquiring benefits available for each user at the time of payment at a specific store,
An operation step of converting the privilege obtained in the obtaining step into an investment product and operating the investment product. An acquisition procedure for acquiring per-user benefits available at a particular store;
An information processing program characterized by causing a computer to execute an operation procedure of converting the privilege acquired in the acquisition procedure into an investment product.

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