JP2022016676A - Cashback management system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To promote new subscription to a service by giving an attractive privilege for a user without imposing an excessive burden on a service operator side.

SOLUTION: A point holding unit 2 holds a prepaid point amount for each user who uses a service. The prepaid point amount is calculated by appropriating a granted point amount granted to the user for service use to a cash back amount that is given to the user as prepayment of a consideration for service use. A point processing unit 4 updates the prepaid point amount held by the point holding unit 2. The point processing unit 4 includes: a cashback processing unit 4a for performing update processing at the time of new subscription of a user; a service use unit 4b for performing update processing at the time of service use by the user; and cancellation processing unit 4c for performing update processing at the time of service cancellation.

SELECTED DRAWING: Figure 2

COPYRIGHT: (C)2022,JPO&INPIT

Description

The present invention relates to a cashback management system, and more particularly to cashback to a user at the time of a new subscription to a service.

For example, Patent Document 1 discloses a purchase point management system using a mobile terminal for promoting sales of a product or service. In this management system, when a customer who is a member of a service purchases a product or service, purchase points are given to the customer. The number of points is determined according to the price of the product to be purchased. Customers can save points by repeatedly purchasing products, and by consuming the saved points, they can purchase products at low prices.

Japanese Unexamined Patent Publication No. 2001-273563

However, a scheme such as Patent Document 1 in which points are given to a user each time a product is purchased and a privilege is given to the user who has accumulated points is not necessarily a means for promoting new subscription to the service. Not valid. This is because users tend to find the value only after accumulating a certain amount of points, but the points are not yet held at the time of new subscription. Therefore, there is also a scheme in which a predetermined amount is cashed back to the user as a new subscription privilege to the service. However, most of this kind of scheme is unconditional cashback and cannot be said to be linked to the subsequent use of the service. In addition, in exchange for cash back to the user, in many cases, some kind of cancellation penalty with no special basis is imposed on the user so as not to impose an excessive burden on the service operator who provides the cash back, thereby continuing the contract. The reality is that they are holding together.

The present invention has been made in view of such circumstances, and an object thereof is to promote new subscription to the service by providing attractive benefits to the user without imposing an excessive burden on the service operator side. Is to plan.

In order to solve such a problem, the present invention provides a cashback management system having a point holding unit and a point processing unit. The point holding unit holds the prepaid point amount for each user who uses the service. This prepaid point amount is calculated by applying the amount of points granted to the user by using the service to the cashback amount cashed back to the user as a prepaid consideration for using the service. The point processing unit updates the prepaid point amount held by the point holding unit. This point processing unit has a cashback processing unit, a service utilization processing unit, and a cancellation processing unit. When a user newly subscribes to the service, the cashback processing unit performs cashback processing of a predetermined cashback amount for this user. When the user uses the service, the service use processing unit updates the prepaid point amount for this user by allocating the granted point amount to the cashback amount. When the user offers to cancel the service, the cancellation processing unit performs cancellation processing with a cancellation fee according to the amount of prepaid points remaining for this user.

Here, in the present invention, it is preferable that the cancellation processing unit charges the user for the cancellation fee as the cancellation processing when the cashback amount has not been completely consumed by the cumulative total of the granted points. In this case, the cancellation fee may be determined according to the balance of the prepaid point amount and the predetermined cancellation agreement.

In the present invention, the service use processing unit provides the standard price and the member price (provided to the member) of the product related to the purchase with respect to the cashback amount each time the user purchases the product using the service. It is preferable to allocate the number of points equivalent to the difference from the discount price).

In the present invention, the cashback processing unit may re-cash back a predetermined cashback amount to this user when the cashback amount has been consumed by accumulating the points granted. Further, the cashback processing unit may determine the cashback amount by examining the cashback amount desired by the user in the first cashback or the second and subsequent cashbacks. In this case, if the cashback amount desired by the user exceeds the amount allowed in the examination, the cashback processing unit may determine the cashback amount by compensating for it with a loan for consumers. ..

According to the present invention, a predetermined cashback amount is cashed back to a user who newly subscribes to the service as a prepayment for the consideration for using the service, and each time points are added by the subsequent use of the service, the cashback amount is calculated. The point amount will be applied to it. When a user offers to cancel the service, the cancellation process with a cancellation fee is performed according to the amount of prepaid points remaining for this user. That is, there are certain reasonable restrictions on the cancellation of the service by the user, and it is required to pay the cancellation fee to settle the amount of prepaid points remaining at the time of cancellation. As a result, it becomes possible to flexibly set an attractive cashback amount for the user without imposing an excessive burden on the service operator side, and it is possible to effectively promote new subscription to the service.

Illustrated diagram of regular delivery service Block configuration diagram of cashback management system Explanatory diagram of management contents in the point holding unit Flowchart of processing executed by service usage processing unit Flowchart of processing executed by the cashback processing unit Flowchart of processing executed by the cancellation processing unit

FIG. 1 is an explanatory diagram of a membership-based regular delivery service, which is an example of an EC (Electronic Commerce) service. This regular delivery service is mainly composed of a member user A, an EC site B, and a delivery company C that manages delivery of deliveries. The basic delivery scheme is the same as before, and when the user A purchases the product on the EC site B, the delivery company C delivers the product to the user A. In the regular delivery service, a plurality of regular deliveries P1 to P3 having different scheduled delivery dates are preset based on the regular delivery schedule. The EC site B accepts the periodic purchase of the product by the user A, and requests the delivery company C for the periodic delivery P1 to P3 corresponding to each of the deliveries a1 to a3. For example, the delivery item a1 is assigned to the regular delivery P1 on Saturday of this week, the delivery item a2 is assigned to the regular delivery P2 on Saturday of the next week, and the delivery item a3 is assigned to the regular delivery P3 on Saturday of the following week.

The EC site B is typically a supermarket site, which is a virtual store on the Internet, and the products sold there include water, rice, bread, fruits, milk, eggs, juice, yogurt, natto, and so on. Contains at least daily foods such as tofu. As a characteristic of daily foods, they have a high degree of regular purchase such that they are consumed almost every day at home, and about 10 to 20 kinds of foods tend to be purchased regularly every week. Therefore, the EC site B provides a plurality of types of products (including daily foods) with high subscriptionability, and the combination of the products purchased by the user A is the delivery items a1 to a3, and the regular delivery P1 to P3. Is requested from the delivery company C.

Here, the following points can be mentioned as the business characteristics of the supermarket site. First, daily foods are delivered to home (online order) on a regular basis, for example, every Saturday from 10 to 12 o'clock. As a result, the user A can obtain the product without visiting the actual store, so that the burden on the user can be reduced. It should be noted that a predetermined upper limit may be set for the number of daily foods that can be specified in one regular delivery, such as 10 products for regular members and 20 products for premium members. Secondly, since it is a virtual store on the Internet, it does not generate a sales margin as in a physical store, and it is possible to provide daily foods to users at a lower cost than in a physical store. Third, membership fees are collected from users on a regular basis, and regular delivery costs are covered by membership fees. As a result, the operating entity can secure the necessary resources to continue the business. And fourth, one kind of product is carefully selected for one brand. This has the merit of being able to continuously secure customers for food manufacturers, and also has the merit of enabling direct communication with long-term excellent customers by posting advertisements on the regular EC site 4.

The delivery company C receives the request from the EC site B, and manages and arranges the delivery of the delivery. When the regular delivery schedule is received from the EC site B, the regular delivery P1, the regular delivery P2, and the regular delivery P3 are set in the order of the earliest delivery service in chronological order according to this regular delivery schedule. When a delivery request for a plurality of daily foods a1 is received from the EC site B and a regular delivery a1 is specified as the delivery service, the regular delivery P1 is set as the delivery service for the delivery item a1. The same applies to the deliverables a2 and a3, and the periodical delivery p2 is set as the delivery service of the delivery item a2 and the regular delivery P3 is set as the delivery service of the delivery item a3.

If the function of EC site B (front end) is limited and the cooperation with the delivery company C (back end) on the network is poor, the front end company separately piggybacks on the back end delivery system. You may enter the delivery specification. Alternatively, instead of this, the delivery company C may be individually contacted by telephone, e-mail, or the like, and the delivery company C may input the designation of the piggyback delivery. Further, the operator of the EC site B may request the delivery company C for piggyback delivery by operating the client connected to the server on the delivery company C side. Further, the request for piggyback delivery may be made not only by the EC site B but also by the user A directly logging in to the server on the delivery company C side and the user A directly.

In this embodiment, in order to promote new subscription to this service, "cash back" is performed to the user as a privilege at the time of new subscription. As used herein, the term "cashback" refers to the general act of granting a user something of economic value, regardless of whether or not the user has paid in advance. Specific modes of cash back include, for example, cash return, point awarding, cash voucher distribution such as quo card, cash transfer to user's designated account, gifts such as home appliances, catalog gift equivalent to a predetermined amount, etc. Can be mentioned.

The features of this service are as follows. First, a predetermined cashback amount that can be used for services such as product purchase is collectively given to a user who newly subscribes to this service at the time of new subscription. Such cash back is a sufficient incentive to encourage users to newly subscribe to this service. Secondly, the point amount given to the user by using this service is applied to the cashback amount given to the user. Thirdly, when the user offers to cancel the service, the cancellation process with the cancellation fee is performed according to the amount of remaining prepaid points for this user. Such a cancellation system has the effect of suppressing the cancellation of this service.

The service operator (EC site B) appropriately determines the cashback amount in consideration of the characteristics of the service and the impact of the incentive. As an example, this regular delivery service assumes cash back equivalent to 30,000 yen. This is based on the following calculation. That is, assuming that 8 products (a total of about 4,000 yen) are purchased in one regular delivery, the discount amount per time is equivalent to 2 discounts (800 yen), and the discount amount per month is 3, It will be 200 yen (delivered 4 times a month). Then, it will take about 10 months to consume the cashback amount of 30,000 yen. That is, as a service operator, a user who has received cash back can expect to continue this service for about 10 months.

FIG. 2 is a block configuration diagram of a cashback management system. This cashback management system 1 is realized as a part of the EC site B described above or as a system on the back end side of the EC site B. The cashback management system 1 has a point holding unit 2, an information acquisition unit 3, and a point processing unit 4.

The point holding unit 2 holds and manages the points held by the user who uses this service for each user. FIG. 3 is an explanatory diagram of the management content held by the point holding unit 2, and the management content is updated at any time by entering and exiting points. The management contents managed by the point holding unit 2 include "date", "user", "cashback amount", "service use", "cancellation fee", "prepaid point amount", and "summary". The "date" is the date on which the prepaid point amount fluctuates (enters and exits), and the date and time including the time may be entered. The "user" is identification information (ID) that identifies a user whose prepaid point amount has changed. The "cashback amount" is the cashback amount (number of points) that is cashed back to the user as a prepayment of the consideration for using the service.

Here, to explain "prepaid payment for the use of the service", "use of the service" means that the user uses the service of the service provider, for example, purchases the product using the service provided by the service provider. To do. The "compensation" for using the service means what is received from the service provider when the user uses the service. For example, in the case of a regular delivery service, by subscribing to this service, the member price is regular. It means that you can purchase it. In addition, "prepayment" of consideration means that the user can receive the benefits that the user can enjoy each time the service is used or after using the service, for example, at the time of new subscription. To say.

In this embodiment, the user who received the cash back originally receives the benefits of the discount that can be enjoyed for each service use at the time of new subscription, so after that, the purchase is made at the standard price instead of the member price. Become. For example, if the discount amount per discount is equivalent to 2 discounts (800 yen), the purchase will be 800 yen higher than the discounter each time. The initial "cash back amount" will be "applied" to subsequent purchases at the standard price. On the other hand, for users who do not receive cash back, the member price is applied each time they make a purchase, so the economic merits of both are the same except for consideration of the amount equivalent to the interest rate for the cash back amount.

"Service use" is the amount of points given to the user by using the service. For example, when the purchase of a product is assumed as the usage form of the service, the "standard price", the "member price", and the "amount of points granted" are managed. Here, the "standard price" is the standard price of the product related to the purchase, and the "member price" is the member price (discount price) of the product related to the purchase obtained as a member privilege by the user who subscribes to the service. Therefore, users of this service can originally purchase at the "member price", but since they are anticipating the benefits of purchasing at the member price by getting the cash back amount at the time of new subscription, after selecting cash back, We will continue to purchase at the "standard price". In addition, the "grant point amount" is the amount given to the user by purchasing the product (typically, equivalent to the difference between the standard price and the member price (discount price provided to the member)), in other words. , Points earned by the user. The amount of points granted by purchasing the product is applied to the cashback amount, and the cashback amount is consumed.

The "cancellation fee" is an amount incurred to settle the remaining prepaid points amount under certain conditions when the service is canceled. The "prepaid point amount" is a point balance calculated by applying the "granted point amount" to the "cashback amount". When the "cashback amount" is expressed as a minus, the "grant point amount" is expressed as a plus, and the "prepaid point amount" is calculated by adding both. In addition, the "summary" is a factor that causes fluctuations in the amount of prepaid points.

In this embodiment, the "cashback amount" is expressed as a minus, the "grant point amount" is expressed as a plus, and the "prepaid point amount" is managed on the minus side. The reason is that the points that the user does not yet have are paid in advance by cash back, and the prepaid amount is applied to the subsequent use of the service, so the "cash back amount" and "prepaid point amount" This is because it is more appropriate for management to use the negative notation. However, the "cashback amount" may be expressed as a plus, the "grant point amount" may be expressed as a minus, and the "prepaid point amount" may be managed on the plus side.

The information acquisition unit 3 acquires information from an external system connected to the network and various information directly input on the cashback management system 1. The information to be acquired includes "point inquiry" received during the service usage process, "new subscription" accepted by new subscription to the service, "service usage" accepted by the use of the service, and cancellation of the service by the user. There is a "cancellation offer" that is accepted in connection with the offer.

The point processing unit 4 updates the prepaid point amount held by the point holding unit 2. The point processing unit 4 includes a cashback processing unit 4a that performs update processing when a user newly subscribes, a service usage unit 4b that performs update processing when the user uses the service, and a cancellation process that performs update processing when the service is canceled. There is a part 4c. The processing results in these processing units 4a to 4c are notified to the processing requester (for example, EC site B).

When a user newly subscribes to the service, the cashback processing unit 4a collectively cashes back a predetermined cashback amount to the user. For example, the management content R1 shown in FIG. 3 is cashed back to the user A by 30,000 yen (“cashback amount” = 30,000 yen) with the new subscription of the user A. Indicates that A's "prepaid point amount" has been updated to 30,000 yen. As described above, the specific mode of cash back is arbitrary. For example, in the case of cash return or gift of home appliances, giving these to the user corresponds to "cash back" of "prepayment of consideration". do. In this case, 30,000 yen in cash and 30,000 yen worth of home appliances are converted into points and managed as points, and it is managed whether or not the points have been used (if not used, a penalty will be incurred). Occur.). As will be described later, the cashback processing unit 4a may perform not only the first cashback at the time of new subscription but also the second and subsequent cashbacks on the premise that a predetermined condition is satisfied.

The service use processing unit 4b updates the prepaid point amount by allocating the granted point amount to the cashback amount cashed back to the user each time the user uses the service. For example, in the management content R2 shown in FIG. 3, a "grant point amount" of 800 yen is generated with the confirmation of the regular delivery a1 which is a form of service use, and as a result, the "prepaid point amount" of the user A is generated. It shows that it has been updated from 800 yen, that is, from 30,000 yen to -29,200 yen. The update of the prepaid point amount based on the appropriation of the granted point amount is similarly performed for the regular delivery a2 and later.

When the user offers to cancel the service, the cancellation processing unit 4c performs cancellation processing (may involve billing processing of the cancellation fee) according to the amount of prepaid points remaining for this user. For example, R5 shown in FIG. 3 indicates that the "prepaid point amount" has been updated from -39,520 yen to 0 yen as the cancellation process accompanying the cancellation request of the user A. In addition, the cancellation processing unit 4c calculates the cancellation fee according to the remaining "prepaid point amount" and the predetermined cancellation agreement, and then performs the processing related to the request for the cancellation fee as the cancellation process. .. There are various methods for processing the request for cancellation fee. For example, a process of withdrawing the calculated cancellation fee from the user A's bank account (the bank account is registered in advance) or a process of requesting payment to the user A's credit card can be considered. In addition, it is conceivable that the cancellation fee is displayed on the display means, and the invoice is sent by a human method based on the display. Furthermore, in addition to the cancellation fee, the cancellation processing unit 4c charges the cancellation fee uniformly to the churners who meet the conditions and the amount equivalent to interest obtained by multiplying the remaining "prepaid point amount" by the period until cancellation. In addition to, billing processing may be performed.

In this way, the "prepaid point amount" is used as an index for calculating the cancellation fee. This does not change depending on various modes such as cash return, point awarding, and distribution of cash vouchers such as quo cards.

FIG. 4 is a flowchart of processing executed by the service utilization processing unit 4b. First, when the notification of product purchase, which is a form of service use, is received in step 1, the above-mentioned prepaid point amount update process is performed in step 2. As a result, as shown in FIG. 3, the "prepaid point amount" is -29,200 yen (regular delivery a1), -28, by allocating the "additional point amount" added by the regular delivery a1 to a3. It will be updated sequentially to 300 yen (regular delivery a2) and -27,500 yen (regular delivery a3).

Next, in step 3, it is determined whether or not the cashback amount has been consumed based on the renewed prepaid point amount (balance). Strictly speaking, the state in which the cashback amount has been exhausted means that the balance of the prepaid points amount has become 0 yen due to the cumulative allocation of the additional points amount, but there are fractions that cannot be used for the service. There may be cases where the amount of prepaid points remains. Therefore, by setting a threshold value for determining whether or not the cashback amount has been consumed and comparing the balance of the prepaid point amount with the threshold value for determination, it is determined whether or not the cashback amount has been consumed. Will be done. In the example of FIG. 3, for the regular deliveries a1 to a3, the balance of the "prepaid point amount" (-29,200 yen, -28,300 yen, -27,500 yen) is the threshold value (for example, -500 yen). ) Has not been exceeded yet, so the determination result in step 3 is negative. In this case, a series of processes is completed without performing the cashback process in step 4.

When the "prepaid point amount" is managed on the plus side, the threshold value for determination is set as a plus amount, for example, +500 yen. In this case, when the balance of the prepaid point amount falls below this threshold value, it is determined that the cashback amount has been consumed.

After that, by repeating the use of services such as regular delivery, the prepaid point amount is updated as needed in the direction in which the cashback amount is consumed (the balance is toward 0 yen).

Then, when the cashback amount is completely consumed by comparing the prepaid point amount and the threshold value, the determination result in step 3 becomes affirmative and the cashback process is executed (step 4).

FIG. 5 is a flowchart of the process (cashback process in step 4) executed by the cashback process unit 4a. First, in step 11, it is determined whether or not the user desires cash back. If the user does not want cash back, the cash back will not be executed again. In this case, the subsequent use of the service will be based on the member price (discount price) instead of the standard price, and you will enjoy the benefits of the discount each time you make a purchase. On the other hand, when the user desires cash back, the user specifies the cash back amount desired by the user, and the desired cash back amount is accepted.

Next, in step 13, the desired cashback amount is examined, and it is determined whether or not the desired cashback amount is within the range permitted by the examination (step 14). If the desired cashback amount is within the allowable range in the examination, the cashback amount is determined according to the face value desired by the user (step 17).

On the other hand, if the desired cashback amount exceeds the range allowed by the examination, the user is asked whether to use the consumer loan (with interest payment) (step). 15). When the user chooses to use the consumer loan, all or part of the desired cashback amount (for example, excess) is covered by the consumer loan (step 16), and the user desires. The cashback amount is determined at face value (step 17). On the other hand, if the user does not choose to use the consumer loan, the cashback amount (smaller than the desired cashback amount) is determined within the range permitted by the examination (step 17).

Then, based on the cashback amount determined in step 17, cashback to the user is executed again. The example of FIG. 3 shows a case where the “prepaid point amount” exceeds the threshold value due to the regular delivery ai and the cashback shown in the management content R4 is executed again as a result, as shown in the management content R3. .. The specific amount of cash back will be determined by the service provider for each case, taking into consideration future purchase amounts and service usage status.

Here, the execution of cash back may be performed manually under the instruction of the cash back management system 1. For example, when the target of cash back is cash or quo card, the cash back management system 1 displays to the worker how much money is sent to whom and how much credit card is mailed to the worker. It is assumed that the output will be output and the worker will perform the work based on the display. Execution of cashback also includes issuing an instruction to the worker by the cashback management system 1.

The cashback process shown in FIG. 5 is not limited to the second and subsequent re-cashbacks, and may be performed in the first cashback executed when a new member subscribes to the service. This makes it possible to flexibly set the cashback amount in consideration of or reflecting the user's wishes even in the initial cashback.

FIG. 6 is a flowchart of processing executed by the cancellation processing unit 6. First, in step 21, when the request for cancellation of this service is accepted, in step 22, the prepaid point amount for the user who has requested cancellation is specified with reference to the point holding unit 2. Then, in step 23, it is determined whether or not the prepaid point amount satisfies a predetermined cancellation condition, specifically, whether or not the cashback amount has been consumed by accumulating the additional point amount. Since cash back to the user is a direct burden on the operator of this service, if the user is allowed to cancel unlimitedly immediately after subscription or when the service is not sufficiently used, the burden on the service operator is large. .. Therefore, it is important to set certain reasonable restrictions on the cancellation of this service in order to ensure the appropriate and continuous operation of this service. As a cancellation condition, in addition to the remaining state of the prepaid point amount described above, a time constraint may be added based on the time of new subscription.

When the cashback amount has been consumed, the cancellation process is performed without the cancellation fee for the user (step 24). On the other hand, if the cashback amount has not been completely consumed, the cancellation process with the cancellation fee is performed (step 25). In this case, the request for the cancellation fee itself may be performed manually under the instruction of the cashback management system 1 (calculation of the cancellation fee and output of the cancellation fee to the display means). Request as a cancellation fee according to the terms of service. At that time, an amount equivalent to interest or an administrative fee may be added.

As described above, according to the present embodiment, a predetermined cashback amount is cashed back to the user who newly subscribes to the service as a prepayment of the consideration for using the service, and each time points are added by the subsequent use of the service. , The point amount will be applied to the cashback amount. When a user offers to cancel the service, the cancellation process with a cancellation fee is performed according to the amount of prepaid points remaining for this user. That is, there are certain reasonable restrictions on the cancellation of the service by the user, and it is required to pay the cancellation fee to settle the amount of prepaid points remaining at the time of cancellation. As a result, it becomes possible to flexibly set an attractive cashback amount for the user without imposing an excessive burden on the service operator side, and it is possible to effectively promote new subscription to the service.

In the above-described embodiment, the periodic delivery service by the EC site (virtual store) has been described as an example, but the present invention is not limited to this, and can be widely applied to various product purchase services. .. For example, instead of regular delivery (regular purchase), a service form (for example, occasional purchase such as catalog mail order) may be used in which the user purchases the desired product each time he / she desires it on a membership-based EC site. Further, the entity that sells the product may not be an EC site but an actual store. Further, in the present specification, the term "commodity" handled by a service broadly includes those that can be the subject of a transaction, and is used in the sense of including an intangible service.

Further, in the above-described embodiment, cash that is not limited in its use or cash back that provides a payment means equivalent to cash is assumed, but the present invention is not limited to this, and the service operator side limits the range of use. It may be a point, a specific product, or a service.

Further, in the above-described embodiment, the difference between the standard price and the member price (discount price provided to the member) is assumed as the granted point amount, but the present invention is not limited to this, and the product purchase or service is not limited to this. It may be a grant point specified by the service operator according to the use.

1 Cashback management system 2 Point holding unit 3 Information acquisition unit 4 Point processing unit 4a Cashback processing unit 4b Service usage processing unit 4c Cancellation processing unit

Claims (7)

In the cashback management system
For each user who uses the service, the prepayment calculated by applying the amount of points granted to the user by using the service to the cashback amount cashed back to the user as the prepayment of the consideration for using the service. A point holding part that holds the point amount and
It has a point processing unit that updates the prepaid point amount held by the point holding unit.
The point processing unit
When a user newly subscribes to the service, a cashback processing unit that performs cashback processing of a predetermined cashback amount for the user, and a cashback processing unit.
When the user uses the service, the service use processing unit that updates the prepaid point amount for the user by allocating the granted point amount to the cashback amount.
A cashback management system characterized by having a cancellation processing unit that performs cancellation processing with a cancellation fee according to the amount of prepaid points remaining for the user when the user offers to cancel the service. The cancellation processing unit is described in claim 1, wherein when the cashback amount has not been completely consumed by the cumulative total of the granted points, the cancellation processing unit charges the user for a cancellation fee as the cancellation processing. Cashback management system. The cashback management system according to claim 2, wherein the cancellation processing unit determines the cancellation fee according to the balance of the prepaid point amount and a predetermined cancellation agreement. The service use processing unit allocates points equivalent to the difference between the standard price of the purchased product and the member price to the cashback amount each time the user purchases the product using the service. The point management system according to claim 1. The first aspect of the present invention is that the cashback processing unit cashes back a predetermined cashback amount to the user when the cashback amount has been consumed by accumulating the points granted. The cashback management system described. The cashback management system according to claim 1 or 5, wherein the cashback processing unit determines the cashback amount by examining the cashback amount desired by the user. The cashback processing unit is characterized in that when the cashback amount desired by the user exceeds the amount allowed in the examination, the cashback amount is determined by compensating for the cashback amount by a loan for consumers. The cashback management system according to claim 6.

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