JP2022092992A - Management server, management program, and operation system - Google Patents

Abstract

To use a flat-rate charge for other purposes without refunding a difference between the flat-rate charge and the actual usage charge to a user even when the flat-rate charge is higher than the actual usage charge when the electricity charge is charged at the flat-rate charge.SOLUTION: A management server includes an acquisition unit that acquires power usage information, a generation unit that generates expected power usage information using the power usage information, a determination unit that determines the selection charge selected by a user using the estimated power usage information, and a transmission unit that transmits the difference information regarding the difference between the selection fee and the actual usage fee to a financial server when the selection fee is higher than the actual usage fee.SELECTED DRAWING: Figure 1

Description

The present invention relates to a management server, a management program, and an operation system.

Patent Document 1 describes a technique for calculating a predicted amount of electric power used at predetermined time intervals based on electric power usage information regarding a past electric power usage situation.

Japanese Unexamined Patent Publication No. 2020-02475

Electricity charges are billed using a rate plan called a metered lamp, which is calculated using the basic rate that is always charged every month regardless of the amount of electricity used and the electricity rate that is charged on a pay-as-you-go basis for the amount of electricity used. There are many.

In addition, it is assumed that the electricity rate will not be charged by the above-mentioned pay-as-you-go system, but a flat rate will be charged every month. However, when adopting a flat-rate system for electricity charges, users are dissatisfied that the flat-rate charges charged to users are much higher than the actual usage charges calculated based on the actual monthly electricity usage of users. There is a risk. In this case, it is assumed that the difference between the flat-rate charge and the actual usage charge will be refunded to the user, but refunding all users who have requested a refund is complicated. It is not preferable.

Therefore, according to the present invention, when the flat rate is charged for electricity, even if the flat rate is higher than the actual usage fee, the difference between the flat rate and the actual usage fee is not refunded to the user and is used for other purposes. The purpose.

The management server of the first aspect uses the acquisition unit that acquires the power usage information regarding the power usage status of the user and the power usage information acquired by the acquisition unit to predict the future power usage status of the user. Using the generation unit that generates the estimated power usage information related to the above and the expected power usage information generated by the generation unit, a plurality of flat-rate charges are provided for the amount of electricity charges to the user for each predetermined period. The determination unit that determines the selection fee selected by the user from among the candidates of the above, and the selection fee determined by the determination unit are actually used calculated based on the power usage status of the user during the predetermined period. It is provided with a transmission unit that transmits the difference information regarding the difference between the selected charge and the actual usage charge to a financial server capable of executing a predetermined purchase process of the financial product when the charge is higher than the charge.

The management server of the second aspect uses the acquisition unit that acquires the power usage information regarding the power usage status of the user and the power usage information acquired by the acquisition unit to predict the future power usage status of the user. Using the generation unit that generates the estimated power usage information related to the above and the expected power usage information generated by the generation unit, a plurality of flat-rate charges are provided for the amount of electricity charges to the user for each predetermined period. The determination unit that determines the selection fee selected by the user from among the candidates of the above, and the selection fee determined by the determination unit are calculated using the expected power usage information for the predetermined period of the user. It is provided with a transmission unit that transmits the difference information regarding the difference between the selection fee and the expected usage fee to a financial server capable of executing a predetermined purchase process of the financial product when the usage fee is higher than the expected usage fee.

The management program of the third aspect acquires the power usage information regarding the user's power usage status from the computer, and uses the acquired power usage information to obtain the predicted power usage regarding the future power usage status of the user. Information is generated, and using the generated expected power usage information, the billing amount of the electricity charge to the user for each predetermined period is selected by the user from a plurality of fixed charge candidates provided. The difference between the selection fee and the actual usage fee when the selection fee is determined and the determined selection fee is higher than the actual usage fee calculated based on the power usage status of the user in the predetermined period. Sends the difference information regarding to a financial server capable of executing the purchase process of a predetermined financial product, and causes the process to be executed.

The management program of the fourth aspect acquires the power usage information regarding the user's power usage status from the computer, and uses the acquired power usage information to obtain the predicted power usage regarding the future power usage status of the user. Information is generated, and using the generated expected power usage information, the billing amount of the electricity charge to the user for each predetermined period is selected by the user from a plurality of fixed charge candidates provided. When the selection fee is determined and the determined selection fee is higher than the expected usage fee of the user in the predetermined period calculated by using the expected power usage information, the selection fee and the estimated usage fee are used. The difference information regarding the difference between the two and the electric product is transmitted to a financial server capable of executing the purchase process of a predetermined financial product, and the process is executed.

In the operation system of the fifth aspect, the acquisition unit that acquires the power usage information regarding the power usage status of the user and the power usage information acquired by the acquisition unit are used to predict the future power usage status of the user. Using the generation unit that generates the estimated power usage information related to the above and the expected power usage information generated by the generation unit, a plurality of flat-rate charges are provided for the amount of electricity charges to the user for each predetermined period. The determination unit that determines the selection fee selected by the user from among the candidates of the above, and the selection fee determined by the determination unit are actually used calculated based on the power usage status of the user during the predetermined period. A management server including a transmission unit that transmits the difference information regarding the difference between the selected charge and the actual usage charge to a financial server capable of executing a predetermined purchase process of financial products when the charge is higher than the charge. The cumulative total of the difference between the receiving unit that receives at least the difference information transmitted by the transmitting unit of the management server and the selection charge and the actual usage charge included in the difference information received by the receiving unit is predetermined. When the set amount of money is reached, a reception unit that accepts a predetermined purchase selection of financial products and a financial server including a reception unit are provided.

In the operation system of the sixth aspect, the acquisition unit that acquires the power usage information regarding the power usage status of the user and the power usage information acquired by the acquisition unit are used to predict the future power usage status of the user. Using the generation unit that generates the estimated power usage information related to the above and the expected power usage information generated by the generation unit, a plurality of flat-rate charges are provided for the amount of electricity charges to the user for each predetermined period. The determination unit that determines the selection fee selected by the user from among the candidates of the above, and the selection fee determined by the determination unit are the predetermined period of the user calculated using the expected power usage information. Management including a transmission unit that transmits the difference information regarding the difference between the selection fee and the expected usage fee to a financial server capable of executing a predetermined purchase process of the financial product when the usage fee is higher than the expected usage fee in The cumulative difference between the server, the receiving unit that receives at least the difference information transmitted by the transmitting unit of the management server, and the selection charge and the expected usage charge included in the difference information received by the receiving unit is , A reception unit that accepts a predetermined purchase selection of financial products when a predetermined amount of money is reached, and a financial server including.

According to the first aspect, even if the flat-rate charge is higher than the actual usage charge when the electricity charge is charged at the flat-rate charge, the difference between the flat-rate charge and the actual usage charge is not refunded to the user and is used for other purposes. be able to.

According to the second aspect, even if the flat-rate charge is higher than the expected usage charge when the electricity charge is charged at the flat-rate charge, the difference between the flat-rate charge and the expected usage charge is not refunded to the user and is used for other purposes. be able to.

According to the third aspect, even if the flat-rate charge is higher than the actual usage charge when the electricity charge is charged at the flat-rate charge, the difference between the flat-rate charge and the actual usage charge is not refunded to the user and is used for other purposes. be able to.

According to the fourth aspect, even if the flat-rate charge is higher than the expected usage charge when the electricity charge is charged at the flat-rate charge, the difference between the flat-rate charge and the expected usage charge is not refunded to the user and is used for other purposes. be able to.

According to the fifth aspect, even if the flat-rate charge is higher than the actual usage charge when the electricity charge is charged at the flat-rate charge, the difference between the flat-rate charge and the actual usage charge is not refunded to the user, and the purchase fund of the financial product is used. It can be used.

According to the sixth aspect, even if the flat-rate charge is higher than the expected usage charge when the electricity charge is charged at the flat-rate charge, the difference between the flat-rate charge and the expected usage charge is not refunded to the user, and the purchase fund of the financial product is used. It can be used.

It is a figure which shows the schematic structure of the operation system which concerns on this embodiment. It is a block diagram which shows the hardware configuration of a management server. It is a block diagram which shows the example of the functional configuration of a management server. It is a block diagram which shows the hardware configuration of a financial server. It is a block diagram which shows the example of the functional structure of a financial server. It is a block diagram which shows the hardware composition of a user terminal. It is a flowchart which shows the flow of the selection charge determination process by a management server. It is a 1st flowchart which shows the flow of the difference determination process by a management server. It is a flowchart which shows the flow of the purchase process by a financial server. It is a 2nd flowchart which shows the flow of the difference determination process by a management server.

(First Embodiment)
Hereinafter, the operation system 10 according to the present embodiment will be described.
FIG. 1 is a diagram showing a schematic configuration of an operation system 10 according to the present embodiment.

As shown in FIG. 1, the operation system 10 includes a management server 20, a financial server 40, and a user terminal 60. The management server 20, the financial server 40, and the user terminal 60 are connected via the network N. For example, the Internet, LAN (= Local Area Network), WAN (= Wide Area Network), and the like are applied to this network N.

The management server 20 manages the power usage status of the user, and executes, for example, the selection charge determination process and the difference determination process described later. The details of the management server 20 will be described later.

The financial server 40 executes a predetermined purchase process of a financial product. The details of the financial server 40 will be described later.

The user terminal 60 transmits a power supply request to the management server 20 and transmits a purchase request for a financial product to the financial server 40. Details of the user terminal 60 will be described later.

Here, in the operation system 10, the user of the user terminal 60 can purchase a financial product from a financial product business operator that manages the financial server 40 by concluding a power supply contract with a power company that manages the management server 20. It is a system that becomes. In the following, a user who can purchase a financial product from the above-mentioned financial instruments trader by concluding an electric power supply contract with the above-mentioned electric power company will be referred to as a “contract user”.

FIG. 2 is a block diagram showing a hardware configuration of the management server 20. As an example, a general-purpose computer device such as a server computer or a personal computer (= PC: Personal Computer) is applied to the management server 20.

As shown in FIG. 2, the management server 20 includes a CPU 21 (= Central Processing Unit), a ROM 22 (= Read Only Memory), a RAM 23 (= Random Access Memory), a storage unit 24, an input unit 25, a display unit 26, and a communication unit. It has a unit 27. Each configuration is communicably connected to each other via a bus 28.

The CPU 21 is a central arithmetic processing unit that executes various programs and controls each unit. That is, the CPU 21 reads the program from the ROM 22 or the storage unit 24, and executes the program using the RAM 23 as a work area. The CPU 21 controls each of the above configurations and performs various arithmetic processes according to the program recorded in the ROM 22 or the storage unit 24. In the present embodiment, the ROM 22 or the storage unit 24 stores at least a management program for executing the selection charge determination process and the difference determination process, which will be described later. The management program may be pre-installed on the management server 20, stored in a non-volatile storage medium, or distributed via the network N, and appropriately installed on the management server 20. May be good. Examples of the non-volatile storage medium include a CD-ROM, a magneto-optical disk, an HDD (= Hard Disk Drive), a DVD-ROM, a flash memory, a memory card, and the like.

The ROM 22 stores various programs and various data. The RAM 23 temporarily stores a program or data as a work area.

The storage unit 24 is composed of a storage device such as an HDD, SSD (= Solid State Drive) or flash memory, and stores various programs including an operating system and various data.

The input unit 25 includes a pointing device such as a mouse and a keyboard, and is used for performing various inputs.

The display unit 26 is, for example, a liquid crystal display and displays various types of information. The display unit 26 may adopt a touch panel method and function as an input unit 25.

The communication unit 27 is an interface for communicating with other devices such as the financial server 40 and the user terminal 60. For the communication, for example, a wired communication standard such as Ethernet (registered trademark) or FDDI, or a wireless communication standard such as 4G, 5G, or Wi-Fi (registered trademark) is used.

When executing the above-mentioned management program, the management server 20 executes the process based on the above-mentioned management program by using the above-mentioned hardware resources.

Next, the functional configuration of the management server 20 will be described.
FIG. 3 is a block diagram showing an example of the functional configuration of the management server 20.

As shown in FIG. 3, the CPU 21 of the management server 20 has an acquisition unit 21A, a generation unit 21B, a determination unit 21C, and a transmission unit 21D as functional configurations. Each functional configuration is realized by the CPU 21 reading and executing the management program stored in the ROM 22 or the storage unit 24.

The acquisition unit 21A acquires power usage information regarding the power usage status of the contract user. The acquisition of the power usage information by the acquisition unit 21A is performed, for example, in the following flow.

A facility (eg, a general household, a store) to which a contract user is supplied with electric power is equipped with a measuring device (not shown) for measuring the amount of electric power used in the facility. This measuring device transmits the measured power consumption amount to the management server 20 in 1-minute units, for example, as power usage information regarding the power usage status of the contract user.

The management server 20 that has received the power usage information from the measuring device associates the user name, date, and time corresponding to the measuring terminal that has transmitted the power usage information, and stores the power usage information as individual power usage information for each contract user in the storage unit 24. Remember. Then, the acquisition unit 21A acquires, for example, the power usage information of the corresponding contract user from the storage unit 24 in the selection charge determination process described later.

The generation unit 21B uses the power usage information acquired by the acquisition unit 21A to generate the expected power usage information regarding the future power usage status of the contract user.

When the generation unit 21B executes the selection charge determination process, the generation unit 21B generates the forecast power usage information for a predetermined period as the future forecast power usage information. The "predetermined period" is a period during which the contract user can receive power supply by paying a flat-rate electricity charge. For example, if the predetermined period is set to "1 month", the contract user can be supplied with electric power for 1 month by paying a flat-rate electricity charge. The predetermined period is not limited to "1 month", but may be "multiple months" such as 2 months or 3 months, "1 year", or "multiple years" such as 2 years or 3 years. good.

Here, when the above-mentioned predetermined period is set to "1 month" and the generation unit 21B generates the expected power usage information for one month in December 2020, for example, the following flow is performed.

For example, in the selection charge determination process, the generation unit 21B may use the power usage information of the corresponding contract user acquired by the acquisition unit 21A for the last three years of December 2017, December 2018, and December 2019. The amount of power used in December is extracted. Then, the generation unit 21B calculates the average of the extracted power consumption in December of the last three years, and uses the calculated power consumption as the expected power usage information of the contracted user in December 2020.

The determination unit 21C uses the expected power usage information generated by the generation unit 21B to charge the contract user the electricity charge for each predetermined period by the contract user from among a plurality of fixed charge candidates. Determine to the selected selection fee.

In the first embodiment, four types of flat rate candidates, for example, "5,000 yen", "10,000 yen", "15,000 yen", and "20,000 yen" are provided. There is. Each of these candidates has a predetermined range of corresponding electric energy. For example, the range of electric energy corresponding to "5,000 yen" is "range A (example: 0 Kwh or more and less than 100 Kwh)", and the range of electric energy corresponding to "10,000 yen" is "range B (example: 100 Kwh)". The range of electric energy corresponding to "more than 150 Kwh" and "15,000 yen" is "range C (example: 150 Kwh or more and less than 250 Kwh)", and the range of electric energy corresponding to "20,000 yen" is "range D". (Example: 250 Kwh or more and less than 350 Kwh) ”.

Then, the determination unit 21C has a fixed charge (example: 10,000 yen) in a range (example: range B) corresponding to the electric energy (example: 120 Kwh) of the expected power usage information generated by the generation unit 21B, and the fixed amount. A flat-rate charge (eg: 15,000 yen, 20,000 yen) higher than the charge is presented to the contract user, and the flat-rate charge selected by the contract user from the presented candidates is determined as the selection charge.

The transmission unit 21D relates to the difference between the selection charge and the actual usage charge when the selection charge determined by the determination unit 21C is higher than the actual usage charge calculated based on the power usage status in the predetermined period of the contract user. The difference information is transmitted to the financial server 40. The details will be described later.

FIG. 4 is a block diagram showing a hardware configuration of the financial server 40. As an example, a general-purpose computer device such as a server computer or a personal computer is applied to the financial server 40.

As shown in FIG. 4, the financial server 40 includes a CPU 41, a ROM 42, a RAM 43, a storage unit 44, an input unit 45, a display unit 46, and a communication unit 47. Each configuration is communicably connected to each other via a bus 48.

The CPU 41 is a central arithmetic processing unit that executes various programs and controls each unit. That is, the CPU 41 reads the program from the ROM 42 or the storage unit 44, and executes the program using the RAM 43 as a work area. The CPU 41 controls each of the above configurations and performs various arithmetic processes according to the program recorded in the ROM 42 or the storage unit 44.

The ROM 42 stores various programs and various data. The RAM 43 temporarily stores a program or data as a work area.

The storage unit 44 is composed of a storage device such as an HDD, SSD, or flash memory, and stores various programs including an operating system and various data.

The input unit 45 includes a pointing device such as a mouse and a keyboard, and is used for performing various inputs.

The display unit 46 is, for example, a liquid crystal display and displays various types of information. The display unit 46 may adopt a touch panel method and function as an input unit 45.

The communication unit 47 is an interface for communicating with other devices such as the management server 20 and the user terminal 60. For the communication, for example, a wired communication standard such as Ethernet (registered trademark) or FDDI, or a wireless communication standard such as 4G, 5G, or Wi-Fi (registered trademark) is used.

Next, the functional configuration of the financial server 40 will be described.
FIG. 5 is a block diagram showing an example of the functional configuration of the financial server 40.

As shown in FIG. 5, the CPU 41 of the financial server 40 has a receiving unit 41A and a receiving unit 41B as functional configurations. Each functional configuration is realized by the CPU 41 reading and executing the program stored in the ROM 42 or the storage unit 44.

The receiving unit 41A receives at least the difference information transmitted by the transmitting unit 21D of the management server 20.

When the cumulative difference between the selection fee and the actual usage fee included in the difference information received by the reception unit 41A reaches the preset amount, the reception unit 41B accepts the purchase selection of the predetermined financial product. .. The details will be described later.

FIG. 6 is a block diagram showing a hardware configuration of the user terminal 60. As an example, a general-purpose computer device such as a server computer or a personal computer, or a mobile terminal such as a smartphone or a tablet terminal is applied to the user terminal 60. Further, the user terminal 60 may be a hearable terminal such as an earphone type that inputs / outputs by voice, and various types such as a watch type, eyeglass type, wristband type, clip type, head-mounted display type, and strap type. It may be used in cooperation with the wearable terminal, or the wearable terminal alone may be used as the user terminal 60.

As shown in FIG. 6, the user terminal 60 includes a CPU 61, a ROM 62, a RAM 63, a storage unit 64, an input unit 65, a display unit 66, and a communication unit 67. Each configuration is communicably connected to each other via bus 68.

The CPU 61 is a central arithmetic processing unit that executes various programs and controls each unit. That is, the CPU 61 reads the program from the ROM 62 or the storage unit 64, and executes the program using the RAM 63 as a work area. The CPU 61 controls each of the above configurations and performs various arithmetic processes according to the program recorded in the ROM 62 or the storage unit 64.

The ROM 62 stores various programs and various data. The RAM 63 temporarily stores a program or data as a work area. The storage unit 64 is composed of a storage device such as an HDD, SSD, or flash memory, and stores various programs including an operating system and various data.

The input unit 65 includes, for example, a pointing device such as a mouse, various buttons, a keyboard, a microphone, a camera, and the like, and is used for performing various inputs.

The display unit 66 is, for example, a liquid crystal display and displays various information. The display unit 66 may adopt a touch panel method and function as an input unit 65.

The communication unit 67 is an interface for communicating with other devices such as the management server 20 and the financial server 40. For the communication, for example, a wired communication standard such as Ethernet (registered trademark) or FDDI, or a wireless communication standard such as 4G, 5G, or Wi-Fi (registered trademark) is used.

FIG. 7 is a flowchart showing the flow of the selection charge determination process for determining the selection charge by the management server 20. The selection charge determination process is performed by the CPU 21 reading the management program from the ROM 22 or the storage unit 24, expanding the management program into the RAM 23, and executing the program.

As an example, the selection charge determination process is performed at the end of each month to determine the selection charge for the month following the month. In the following, an example will be described in which the above-mentioned predetermined period is set to "1 month" and the selection fee for one month in December 2020 is determined.

In step S10 shown in FIG. 7, the CPU 21 acquires the power usage information of the contract user from the storage unit 24. Then, the process proceeds to step S11.

In step S11, the CPU 21 uses the power usage information acquired in step S10 to generate the expected power usage information for December 2020 of the contract user. Then, the process proceeds to step S12.

In step S12, the CPU 21 uses the expected power usage information generated in step S11 to charge the contracted user for electricity charges in December 2020 by the contracted user from among a plurality of fixed rate candidates. Determine to the selected selection fee. Then, the process is terminated. In the following, it will be described on the premise that the selection fee of the contract user in December 2020 is determined to be "10,000 yen" in the step S12.

FIG. 8 is a first flowchart showing the flow of the difference determination process for determining the difference between the selection charge and the actual usage charge by the management server 20. The difference determination process is performed by the CPU 21 reading the management program from the ROM 22 or the storage unit 24, expanding the management program into the RAM 23, and executing the program.

As an example, the difference determination process is performed at the end of each month to determine the difference between the selection charge and the actual usage charge for the month. In the following, the case where the month is set to "December 2020" will be described.

In step S20 shown in FIG. 8, the CPU 21 calculates the actual usage charge for December 2020. Then, the process proceeds to step S21.

The calculation of the actual usage charge by the CPU 21 is performed, for example, in the following flow. First, the CPU 21 acquires the power usage information of the contract user in December 2020 from the storage unit 24. After that, the CPU 21 calculates the actual usage charge by substituting the power consumption amount of the contract user in December 2020 included in the acquired power usage information into a predetermined calculation formula. In the following, it is assumed that the actual usage fee of the contract user in December 2020 is calculated as "7,000 yen" in the step S20.

In step S21, the CPU 21 determines whether or not the selection charge for December 2020 is higher than the actual usage charge for December 2020 calculated in step S20, and determines whether the selection charge is higher than the actual usage charge (step S21: YES) proceeds to step S22. On the other hand, when it is determined that the CPU 21 is cheaper than the actual usage charge (step S21: NO), the process is terminated. For example, in the above case, since the selection fee in December 2020 is "10,000 yen" and the actual usage fee is "7,000 yen", the CPU 21 has a higher selection fee than the actual usage fee. Is determined.

In step S22, the CPU 21 transmits the difference information regarding the difference between the selection charge and the actual usage charge to the financial server 40. Then, the process is terminated. For example, in the above case, "3,000 yen", which is obtained by subtracting the actual usage fee "7,000 yen" from the selection fee "10,000 yen" in December 2020, is selected by the contract user in December 2020. It is sent as difference information after being linked to the difference between the charge and the actual usage charge.

FIG. 9 is a flowchart showing a flow of a predetermined purchase process of a financial product by the financial server 40. The purchase process is performed by the CPU 41 reading the program from the ROM 42 or the storage unit 44, expanding it into the RAM 43, and executing the program.
As an example, the purchase process is performed each time the difference information is received from the management server 20.

In step S30 shown in FIG. 9, the CPU 41 updates the cumulative difference between the selection charge and the actual usage charge. Then, the process proceeds to step S31. The CPU 41 stores the difference information received from the management server 20 in the storage unit 44 as individual difference information for each contract user corresponding to the difference information. Then, in step S30, the CPU 41 stores the difference (eg, 3,000 yen) between the selection fee and the actual usage fee included in the difference information received from the management server 20 in the storage unit 44, and the corresponding contract. Add to the cumulative total of user differences.

In step S31, the CPU 41 determines whether or not the cumulative difference between the selection fee and the actual usage fee updated in step S30 has reached the set amount required for purchasing the financial product, and determines that the set amount has been reached. If so (step S31: YES), the process proceeds to step S32. On the other hand, when it is determined that the CPU 41 has not reached the set amount (step S31: NO), the process is terminated. For example, if the set amount is set to "10,000 yen" and the cumulative difference between the selection fee and the actual usage fee updated in step S30 is "12,000 yen", the CPU 41 has the set amount of the difference. Is determined to have reached.

In step S32, the CPU 41 accepts a predetermined purchase option for a financial product. Then, the process is terminated. For example, the CPU 41 presents a list of financial products that can be purchased with the cumulative difference between the current selection fee and the actual usage fee (eg: 12,000 yen) to the contract user, and the contract user selects the list from the presented list. Accept purchases of selected financial products.

With the above configuration, according to the first embodiment, when the electricity charge is charged at the selection charge which is a flat rate, even if the selection charge is higher than the actual usage charge, the difference between the selection charge and the actual usage charge is given to the user. It can be used for other purposes, specifically, to fund the purchase of financial products, without refund.

(Second embodiment)
Next, the second embodiment will be described while omitting or simplifying the overlapping portion with the other embodiments.

In the second embodiment, the "predetermined period" of the expected power usage information generated by the generation unit 21B is set to "1 year".
Here, when the generation unit 21B generates the expected power usage information for one year from January to December 2021, for example, the following flow is performed.

For example, in the selection charge determination process, the generation unit 21B calculates the annual power consumption for the last three years of 2018, 2019, and 2020 from the power usage information of the corresponding contract user acquired by the acquisition unit 21A. Extract. Then, the generation unit 21B calculates the average of the extracted annual power consumption for the last three years, and uses the calculated power amount as the 2021 expected power usage information of the contract user.

Further, in the second embodiment, as candidates for a fixed charge for the determination unit 21C to determine the selection charge, for example, "60,000 yen", "120,000 yen", "180,000 yen", and There are four types of "240,000 yen".

The transmission unit 21D in the second embodiment is a selection charge when the selection charge determined by the determination unit 21C is higher than the expected usage charge for the contract user's predetermined period calculated using the expected power usage information. The difference information regarding the difference between the expected usage charge and the expected usage charge is transmitted to the financial server 40. The details will be described later.

Next, with reference to FIG. 10, the flow of the difference determination process by the management server 20 in the second embodiment will be described. Also in the second embodiment, the selection fee determination process by the management server 20 is performed based on the flowchart shown in FIG. 7 similar to the first embodiment, and the purchase process by the financial server 40 is performed in the first embodiment. This is performed based on the same flowchart shown in FIG.

FIG. 10 is a second flowchart showing the flow of the difference determination process by the management server 20.

As an example, the difference determination process is performed at the end of each year to determine the difference between the selection charge and the expected usage charge for the year following the year. In the following, an example will be described in which the selection fee for 2021 is set to "120,000 yen" and the difference between the selection fee for 2021 and the expected usage fee is determined.

In step S40 shown in FIG. 10, the CPU 21 calculates the expected usage charge for 2021. Then, the process proceeds to step S41.

The calculation of the expected usage charge by the CPU 21 is performed, for example, in the following flow. The CPU 21 calculates the expected usage charge by substituting the power consumption amount of the contract user in 2021 included in the expected power usage information generated in step S11 shown in FIG. 7 into a predetermined calculation formula. In the following, it will be described on the premise that the expected usage fee of the contract user in 2021 is calculated as "100,000 yen" in the step S40.

In step S41, the CPU 21 determines whether or not the selection charge for 2021 is higher than the expected usage charge for 2021 calculated in step S40, and if it is determined that the selection charge is higher than the expected usage charge (step S41: YES), step S41. Proceed to S42. On the other hand, when it is determined that the CPU 21 is cheaper than the expected usage charge (step S41: NO), the process is terminated. For example, in the above case, since the selection fee in 2021 is "120,000 yen" and the expected usage fee is "100,000 yen", the CPU 21 determines that the selection fee is higher than the expected usage fee. do.

In step S42, the CPU 21 transmits the difference information regarding the difference between the selection charge and the expected usage charge to the financial server 40. Then, the process is terminated. For example, in the above case, "20,000 yen", which is obtained by subtracting the expected usage fee "100,000 yen" from the selection fee "120,000 yen" in 2021, is the selection fee and expected usage in 2021 of the contract user. It is sent as difference information after being linked to the difference from the charge.

Here, in the reception unit 41B of the financial server 40 in the second embodiment, the cumulative difference between the selection charge and the expected usage charge included in the difference information received by the reception unit 41A has reached a predetermined set amount. If so, accept a predetermined purchase option for financial products.

That is, in step S30 of the purchase process shown in FIG. 9, the CPU 41 updates the cumulative difference between the selection charge and the expected usage charge. Then, in step S31, the CPU 41 determines whether or not the cumulative difference between the selection fee and the expected usage fee updated in step S30 has reached the set amount required for purchasing the financial product, and has reached the set amount. If it is determined (step S31: YES), the process proceeds to step S32. On the other hand, when it is determined that the CPU 41 has not reached the set amount (step S31: NO), the process is terminated.

With the above configuration, according to the second embodiment, when the electricity charge is charged at the selection charge which is a flat rate, even if the selection charge is higher than the expected usage charge, the difference between the selection charge and the expected usage charge is given to the user. It can be used for other purposes, specifically, to fund the purchase of financial products, without refund.

(others)
In the above embodiment, the power usage information used by the generation unit 21B to generate the expected power usage information is the past power consumption of the contract user, but the power usage information is not limited to this.

For example, if there is no past power consumption of the contract user, that is, if the contract user is a new customer, a questionnaire such as age and number of households is conducted for the contract user, and the questionnaire result is obtained for each contract user. It may be stored in the storage unit 24 as individual power usage information.

In the above case, the generation unit 21B uses the power usage information of the corresponding contract user acquired by the acquisition unit 21A (result of the above questionnaire) in the selection charge determination process to relate to the expected future power usage status of the contract user. Generate expected power usage information.

The configurations described in each of the above embodiments and (others) can be appropriately combined.

10 Operation system 20 Management server 21A Acquisition unit 21B Generation unit 21C Decision unit 21D Transmission unit 40 Financial server 41A Reception unit 41B Reception unit

Claims (6)

An acquisition unit that acquires power usage information related to the user's power usage status,
Using the power usage information acquired by the acquisition unit, a generation unit that generates expected power usage information regarding the future power usage status of the user, and a generation unit.
Using the expected power usage information generated by the generation unit, the billing amount of the electricity charge to the user for each predetermined period is selected by the user from a plurality of fixed charge candidates provided. The decision department that decides the price and
When the selection fee determined by the determination unit is higher than the actual usage fee calculated based on the power usage status of the user in the predetermined period, the difference regarding the difference between the selection fee and the actual usage fee. A transmitter that sends information to a financial server that can execute a predetermined purchase process for financial products.
Management server with. An acquisition unit that acquires power usage information related to the user's power usage status,
Using the power usage information acquired by the acquisition unit, a generation unit that generates expected power usage information regarding the future power usage status of the user, and a generation unit.
Using the expected power usage information generated by the generation unit, the billing amount of the electricity charge to the user for each predetermined period is selected by the user from a plurality of fixed charge candidates provided. The decision department that decides the price and
When the selection charge determined by the determination unit is higher than the expected usage charge for the user in the predetermined period calculated using the expected power usage information, the selection charge and the expected usage charge are combined. A transmitter that sends the difference information about the difference to a financial server that can execute the purchase process of a predetermined financial product, and
Management server with. On the computer
Get power usage information about the user's power usage,
Using the acquired power usage information, the predicted power usage information regarding the future power usage status of the user is generated.
Using the generated expected power usage information, the billing amount of the electricity charge to the user for each predetermined period is determined as the selection charge selected by the user from a plurality of fixed charge candidates provided. ,
When the determined selection fee is higher than the actual usage fee calculated based on the power usage status of the user in the predetermined period, the difference information regarding the difference between the selection fee and the actual usage fee is previously provided. Send to a financial server that can execute the purchase process of the specified financial product,
A management program for executing processing. On the computer
Get power usage information about the user's power usage,
Using the acquired power usage information, the predicted power usage information regarding the future power usage status of the user is generated.
Using the generated expected power usage information, the billing amount of the electricity charge to the user for each predetermined period is determined as the selection charge selected by the user from a plurality of fixed charge candidates provided. ,
Difference information regarding the difference between the selection charge and the expected usage charge when the determined selection charge is higher than the expected usage charge for the user in the predetermined period calculated using the expected power usage information. To a financial server that can execute the purchase process of a predetermined financial product,
A management program for executing processing. An acquisition unit that acquires power usage information related to the user's power usage status,
Using the power usage information acquired by the acquisition unit, a generation unit that generates expected power usage information regarding the future power usage status of the user, and a generation unit.
Using the expected power usage information generated by the generation unit, the billing amount of the electricity charge to the user for each predetermined period is selected by the user from a plurality of fixed charge candidates provided. The decision department that decides the price and
When the selection fee determined by the determination unit is higher than the actual usage fee calculated based on the power usage status of the user in the predetermined period, the difference regarding the difference between the selection fee and the actual usage fee. A transmitter that sends information to a financial server that can execute a predetermined purchase process for financial products.
Management server, including
A receiving unit that receives at least the difference information transmitted by the transmitting unit of the management server, and a receiving unit.
When the cumulative difference between the selection fee and the actual usage fee included in the difference information received by the receiving unit reaches a predetermined set amount, the reception unit accepts the purchase selection of the predetermined financial product. When,
With financial servers, including
Operation system equipped with. An acquisition unit that acquires power usage information related to the user's power usage status,
Using the power usage information acquired by the acquisition unit, a generation unit that generates expected power usage information regarding the future power usage status of the user, and a generation unit.
Using the expected power usage information generated by the generation unit, the billing amount of the electricity charge to the user for each predetermined period is selected by the user from a plurality of fixed charge candidates provided. The decision department that decides the price and
When the selection charge determined by the determination unit is higher than the expected usage charge for the user in the predetermined period calculated using the expected power usage information, the selection charge and the expected usage charge are combined. A transmitter that sends the difference information about the difference to a financial server that can execute the purchase process of a predetermined financial product, and
Management server, including
A receiving unit that receives at least the difference information transmitted by the transmitting unit of the management server, and a receiving unit.
When the cumulative difference between the selection fee and the expected usage fee included in the difference information received by the reception unit reaches a predetermined set amount, the reception unit accepts the purchase selection of a predetermined financial product. When,
With financial servers, including
Operation system equipped with.

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