JP6679639B2 - Point investment system and investment point management method - Google Patents

Description

  The present invention relates to a point investment system and an investment point management method.

  While interest in the management of personal assets is increasing, education for investment is insufficient and many individuals are unable to invest. In order to overcome this situation, it is necessary to realize a system that aims to provide effective investment education.

  As a system intended for investment education, a system has been proposed that provides a virtual investment experience that does not use actual funds while receiving advice from experts (see Patent Document 1). As a pseudo investment system using points, a system has been proposed in which points given according to the usage fee of a communication line are converted into money for operation of investment products (see Patent Document 2).

JP 2002-092340 A JP, 2018-013823, A

  In the system described in Patent Document 1 described above, the own funds are not used at all, so that the investment experience has a low reality. The system described in Patent Document 2 above provides a pseudo investment experience by points, but is not intended for investment education. However, the points are redeemed for operation and cash is transferred to the account according to the operation result, so the reality is high.

  However, the above points have a monetary value, and profits and losses are generated according to the actual operation results, so there is a risk that the user's euphoric spirit is fueled and a dependence tendency is generated. In particular, euphoria seems to be strengthened by the psychology of trying to recover the loss. For these reasons, a system that provides a highly realistic investment experience that suppresses the risks described above is desired.

  In view of such circumstances, according to one aspect of the present invention, an object of the present invention is to provide a point investment system and an investment point management method capable of providing a safe investment experience with high reality. It is in.

  According to one aspect of the present invention, there is provided a point investment system capable of communicating with a point management system having a first database for managing a point balance held by a user. The point investment system includes a storage unit that stores a second database for managing the number of points designated by the user for an investment experience in the point balance, and a second database that is linked to the price of a predetermined financial product. When the user specifies the number of points for investment experience and the operation processing unit that increases or decreases the number of points managed by, the specified number of points is added to the number of points managed by the second database, and When a request for cancellation processing is received that subtracts from the point balance managed in the first database and returns the remaining number of points designated by the user for investment experience to the point balance, the user counts from the remaining points. If the total number of points specified by is larger, the total number of points will be managed by the first database during the cancellation process. Has a point management unit to be added to the cement balance the.

  It can provide a safe and highly realistic investment experience.

It is a figure showing an example of various systems concerning one embodiment of the present invention. It is a block diagram showing an example of hardware constitutions of an information processor which can realize functions, such as a point business system and a point investment system concerning one embodiment of the present invention. It is a block diagram showing an example of a function which a point business system concerning one embodiment of the present invention has. (A) is a chart for explaining a balance database, and (B) is a chart for explaining a transaction database. It is a block diagram showing an example of a function which a point investment system concerning one embodiment of the present invention has. (A) is a chart for explaining the investment point database, and (B) is a chart for explaining the history database. It is the 1st flow figure showing an example of processing which a point business system and a point investment system concerning one embodiment of the present invention perform. It is the 2nd flow figure showing an example of processing which a point business system and a point investment system concerning one embodiment of the present invention perform. It is a flow figure showing the flow of the point operation processing concerning one embodiment of the present invention.

  An embodiment of the present invention will be described below with reference to the accompanying drawings. In the specification and the drawings, elements having substantially the same function are denoted by the same reference numerals, and redundant description may be omitted.

[1. System configuration]
An example of a system configuration capable of providing a point investment service according to an embodiment of the present invention will be described with reference to FIG. FIG. 1 is a diagram showing an example of various systems according to an embodiment of the present invention. In addition, the function of each system will be briefly described here, and the details thereof will be described later.

  The above point investment service is a service that allows users to experience simulated investment by using financial products by designating points owned by users as investment points and increasing or decreasing the specified investment points in tandem with specific financial products. is there.

  The points used in the above point investment service are points that can be exchanged for goods and services. These points are, for example, points that are granted free of charge when you subscribe to a point card or credit card, or when you purchase a product or service (some companies may call the points miles). is there.

  The specific financial product is a financial product such as an investment trust. The financial products are not limited to investment trusts, and include, for example, individual stocks, indices such as Nikkei 225, government bonds, interest rates, foreign exchange rates, oil, grain rates, etc. Financial instruments that have transactions in However, in the following, an investment trust suitable for a user who has little or no investment experience will be described as an example from the viewpoint of easy understanding.

  In FIG. 1, as a system configuration example capable of providing a point investment service, a configuration including a point business system 10, a point investment system 20, a customer terminal 30, a system 41 of an investment trust sales securities company, and a system 42 of an investment trust management company. It is shown.

  Modifications such as integrating a part or all of each system illustrated in FIG. 1 with another system or dividing one system into a plurality of systems and recombining with a new system are possible. Such modified examples also belong to the technical scope of this embodiment.

  The point business system 10 manages a website (point management site 11) for providing a point service including a process of confirming the balance of points owned by a user and a process of requesting exchange of points for products. To do.

  Further, the point business system 10 manages a website (point investment portal 12) for guiding to a website managed by the point investment system 20 (a point investment site 21 described later).

  For example, a link for transitioning to the point investment portal 12 is provided in the point management site 11, and the user is guided to the point investment portal 12 that promotes the point investment service by following the link. When the user operates the point investment portal 12 to start using the point investment service, for example, the terms of use and the like are displayed on the point investment portal 12 and the user is confirmed to agree to use the point investment service.

  The point business system 10 manages the balance of points owned by each user (point balance management 13). Further, the point company system 10 manages the corporate account (company account 41a) held by the point company in the investment trust sales securities company (account management 14). The account management 14 is a function of managing the situation in which investment trusts are actually traded in order to hedge the risks associated with the operation of the point investment service. This function will be described later.

  The point investment system 20 manages a website (point investment site 21) for performing operations related to points (investment points) used for the point investment service. The point investment site 21 enables the user to perform operations of transfer 21a, withdrawal / cancellation 21b, and inquiry 21c.

  The transfer 21a is an operation (transfer) of transferring a designated number of points from the point balance managed by the point balance management 13 to investment points. Withdrawal / cancellation 21b is an operation of returning a part or all of the investment points to the point balance. Hereinafter, the operation of returning the investment points to the point balance during the operation of the investment points is called “withdrawal”, and the operation of ending the operation of the investment points and returning all the investment points to the point balance is called “cancellation”.

  The inquiry 21c is an operation for inquiring about the number of investment points in operation.

  The point investment system 20 manages the balance of investment points (investment balance management 22). The point investment system 20 also has a backend function 23.

  The back-end function 23 includes a function of taking in the reference value of the investment trust (reference value taking 23a) and a function of calculating the balance of the investment points of each user from the reference value (balance conversion 23b). Further, the back-end function 23 is a function of creating report data for reporting the total balance of investment points and the trading status of investment trusts traded for hedging to the point business system 10 (report data creation 23c), Also, it has a function of instructing the sale and purchase of investment trusts (investment trust sale instruction 23d).

  The customer terminal 30 is a computer of a user who uses the point service. For example, the customer terminal 30 is a computer having a communication function, such as a smartphone, a tablet terminal, or a PC (Personal Computer). The customer terminal 30 is connected to the point business system 10 and the point investment system 20 via a network NW such as a LAN (Local Area Network) or a WAN (Wide Area Network).

  The example of the system configuration capable of providing the point investment service has been described above.

[2. Hardware configuration]
The hardware of the information processing apparatus 70 capable of realizing the functions of the point business system 10, the point investment system 20, and the like will be described with reference to FIG. FIG. 2 is a block diagram showing a hardware configuration example of an information processing apparatus capable of realizing functions such as a point business system and a point investment system according to an embodiment of the present invention.

  The functions of the point business system 10 and the point investment system 20 and the like can be realized by using the hardware resources of the information processing apparatus 70 shown in FIG. 2, for example. That is, the functions of the point business system 10, the point investment system 20, and the like can be realized by controlling the hardware shown in FIG. 2 using a computer program.

  As illustrated in FIG. 2, the information processing device 70 includes a processor 70a, a memory 70b, a display I / F (Interface) 70c, a communication I / F 70d, and a connection I / F 70e.

  The processor 70a is, for example, a CPU (Central Processing Unit), a DSP (Digital Signal Processor), an ASIC (Application Specific Integrated Circuit), an FPGA (Field Programmable Gate Array), or the like. The processor 70a may be a single processor, a multiprocessor or a multicore processor.

  The memory 70b is a storage device such as a ROM (Read Only Memory), a RAM (Random Access Memory), an HDD (Hard Disk Drive), an SSD (Solid State Drive), and a flash memory. An external memory connected to the information processing device 70, a cloud storage, or the like can be applied instead of the memory 70b or in combination with the memory 70b.

  The display I / F 70c is an interface for connecting a display device such as an LCD (Liquid Crystal Display) and an ELD (Electro-Luminescence Display). For example, the display I / F 70c performs display control by a processor 70a or a GPU (Graphic Processing Unit) mounted on the display I / F 70c.

  The communication I / F 70d is an interface for connecting to a wired and / or wireless network. The communication I / F 70d is connected to, for example, a wired LAN (Local Area Network), a wireless LAN, an optical communication network, a mobile phone network, or the like.

  The connection I / F 70e is an interface for connecting an external device. The connection I / F 70e is, for example, a USB (Universal Serial Bus) port, an IEEE 1394 port, a SCSI (Small Computer System Interface), or the like.

  An input interface such as a keyboard, a mouse, a touch panel, or a touch pad can be connected to the connection I / F 70e. Further, a reader / writer for reading data and computer programs stored in the portable recording medium 70f can be connected to the connection I / F 70e. The recording medium 70f connected to the reader / writer is, for example, a magnetic recording medium, an optical disc, a magneto-optical disc, a semiconductor memory, or the like.

  The processor 70a can read the computer program stored in the recording medium 70f and store it in the memory 70b. Further, the processor 70a can control the operation of the information processing device 70 according to the program read from the memory 70b. The computer program for controlling the operation of the information processing device 70 may be stored in the memory 70b in advance, or may be downloaded from the network via the communication I / F 70d.

  The hardware of the information processing device 70 has been described above.

  The functions of the point business system 10 and the point investment system 20 can be realized by using one information processing device 70 or a plurality of information processing devices 70 connected via a network or the like. Further, the function of the customer terminal 30, the system 41 of the investment trust sales securities company, and the system 42 of the investment trust management company can also be realized by using the functions of the information processing device 70 illustrated in FIG. Further, some elements of the information processing device 70 may be omitted.

[3. System functions]
The functions of the point business system 10 and the point investment system 20 will be further described below.

(3-1. Point company system)
Functions of the point provider system 10 will be described with reference to FIG. 3. FIG. 3 is a block diagram showing an example of functions of the point provider system according to the embodiment of the present invention.

  As shown in FIG. 3, the point company system 10 includes a storage unit 101, a site operation unit 102, a point management unit 103, and a cost management unit 104.

  The function of the storage unit 101 can be realized using the memory 70b described above. The functions of the site management unit 102, the point management unit 103, and the cost management unit 104 can be realized using the processor 70a described above.

  A balance database 111 and a transaction database 112 are stored in the storage unit 101. The database may be abbreviated as DB in the drawings. The balance database 111 is a database for managing the point balance held by each user. The transaction database 112 is a database for managing the transaction status of investment trusts traded in order to hedge the cost increase accompanying the increase in the number of points.

  The balance database 111 includes, for example, information as shown in FIG. Further, the transaction database 112 includes information as shown in FIG. 4 (B), for example. FIG. 4 is a chart for explaining a balance database and a transaction database according to the embodiment of the present invention.

  In the example of FIG. 4A, the balance database 111 stores user identification information (UserID) for identifying a user and the point balance held by the user in association with each other. The balance database 111 is updated according to the addition of new points, the consumption of points (exchange for products, etc.), the transfer to investment points, the withdrawal and cancellation of investment points, and the like.

  In the example of FIG. 4B, the transaction database 112 stores the transaction date of the investment trust, the total number of investment points, the content of the transaction (sale / buy), and the trading volume in association with each other. For example, the total number of investment points as of the trading day, the content of the transaction, and the quantity (number of units) of the trading performed on that day are reported daily from the point investment system 20, and the transaction database 112 is updated accordingly.

  The site operating unit 102 has a function of operating the point management site 11 and the point investment portal 12. For example, when the point management site 11 receives a point balance inquiry request, the site operating unit 102 refers to the balance database 111 to display the point balance. When the point investment portal 12 receives a request for transition to the point investment site 21, the site management unit 102 displays the terms of use of the point investment service, an object for requesting confirmation of agreement to start use, and the like.

  The point management unit 103 provides a function related to the point balance management 13 described above, and updates the balance database 111 according to the increase or decrease of the points held by each user.

  For example, when the user transfers to investment points, the point management unit 103 responds to a request from the point investment system 20 to transfer points to the investment points (transfer points) in the balance database 111. Subtract from your balance. The number of transfer points is designated by the user.

  Further, when the user withdraws investment points, the point management unit 103, in response to a request from the point investment system 20, returns points from the investment points to the point balance (the number of points withdrawn), the balance database 111. Add to your point balance. The number of withdrawal points is designated by the user.

  In addition, when the user cancels, the point management unit 103, in response to a request from the point investment system 20, returns points from the investment points to the point balance (points returned) in the balance database 111. Add to. The method of calculating the number of points to be returned will be described in the explanation of the processing flow described later.

  The cost management unit 104 updates the transaction database 112 according to the report from the point investment system 20. Further, the cost management unit 104 executes deposit / withdrawal processing for the business operator account 41a in the investment trust sales securities company based on the content of the report from the point investment system 20. Although the investment trust trading instruction 23d is executed by the point investment system 20 in the system configuration example shown in FIG. 1, the cost management unit 104 may be modified to execute the investment trust trading instruction.

  The functions of the point company system 10 have been described above.

(3-2. Point investment system)
Next, the function of the point investment system 20 will be described with reference to FIG. FIG. 5 is a block diagram showing an example of functions of the point investment system according to the embodiment of the present invention.

  As shown in FIG. 5, the point investment system 20 includes a storage unit 201, an investment site operating unit 202, an investment point managing unit 203, a point operating unit 204, a trading instruction unit 205, and a balance reporting unit 206.

  The function of the storage unit 201 can be realized using the memory 70b described above. The functions of the investment site operating unit 202, the investment point managing unit 203, the point operating unit 204, the trading instruction unit 205, and the balance reporting unit 206 can be realized using the processor 70a described above.

  The investment point database 211, the history database 212, and the conversion rate 213 are stored in the storage unit 201.

  The investment point database 211 is a database for managing investment points (points in operation) held by each user. The history database 212 is a database for managing a history of operations (transfer, withdrawal, cancellation) on investment points performed by each user. The conversion rate 213 is a value indicating the amount of cost burden that the point business incurs when the point balance of the user increases by 1 point.

  The investment point database 211 includes, for example, information as shown in FIG. The history database 212 includes information as shown in FIG. 6B, for example. FIG. 6 is a chart for explaining the investment point database and the history database according to the embodiment of the present invention.

  In the example of FIG. 6A, the investment point database 211 stores user identification information (UserID) for identifying a user and the investment point balance held by the user in association with each other. The investment point database 211 is updated in accordance with the update of the number of investment points based on the reference value of the investment trust, and the operations of transfer, withdrawal and cancellation.

  In the example of FIG. 6B, the history database 212 has user identification information (UserID) for identifying a user, operation contents (transfer, withdrawal, cancellation), and the number of points to be operated (the number of transfer points, withdrawal). The number of points and the number of points to be returned) are stored in association with each other. The number of withdrawal points and the number of return points are described in the column of number of withdrawal / return points. The history database 212 is updated according to each operation of transfer, withdrawal, and cancellation.

  The investment site management unit 202 manages the point investment site 21. For example, the investment site operating unit 202 accepts operations such as transfer, withdrawal, and cancellation via the point investment site 21. In addition, when the investment site operating unit 202 receives an inquiry about the operating status via the point investment site 21, the investment site operating unit 202 refers to the investment point database 211 and displays information such as the investment point balance and the operation record to the user.

  When the investment point management unit 203 receives each operation of transfer, withdrawal, and cancellation, the investment point management unit 203 describes the content of the received operation in the history database 212.

  When the accepted operation is a transfer, the investment point management unit 203 requests the point provider system 10 to subtract the point balance of the balance database 111 by the number of transfer points. Further, the investment point management unit 203 increases the investment point balance of the investment point database 211 by the number of transfer points.

  When the accepted operation is withdrawal, the investment point management unit 203 requests the point business system 10 to increase the point balance of the balance database 111 by the number of withdrawn points. In addition, the investment point management unit 203 reduces the investment point balance of the investment point database 211 by the number of withdrawal points.

  When the accepted operation is cancellation, the investment point management unit 203 requests the point company system 10 to increase the point balance of the balance database 111 by the number of points returned. Further, the investment point management unit 203 deletes the record of the cancellation target user in the investment point database 211. As a modified example, the investment point management unit 203 may leave the record of the user who is the cancellation target and set the investment point balance to 0.

  The point management unit 204 accesses, for example, the system 42 of the investment trust management company and takes in the reference price of the investment trust announced by the investment trust management company. In the case of an investment trust, one reference price is announced every day, so the point management unit 204 implements the daily acquisition of the reference price. In addition, the point management unit 204 updates the investment point balance of each user described in the investment point database 211 based on the captured reference price.

  For example, the point management unit 204 calculates an increase rate (decrease if less than 100%) of the base price of the day with respect to the base price of the previous day, and multiplies the calculated increase rate by the investment point balance of each user. The updated investment point balance will be used.

  Note that the above updating method is an example, and the number of investment points may be linked to the reference price by another logic. For example, a method of weighting the rate of increase, a method of setting an upper limit value for the rate of increase of one time or the number of investment points to be increased, or a certain number of points is added when increasing, and a certain number of points is added when decreasing. A subtraction method or the like can be applied.

  The trade instruction unit 205 calculates the total number of investment points (total number of investment points) described in the investment point database 211 before and after the investment point database 211 is updated by the point operation unit 204. Further, the trading instruction unit 205 calculates the difference between the total number of investment points before and after the update, and based on the conversion rate 213, converts the calculated difference into the amount of money (planned trading price).

  The difference in the total number of investment points corresponds to the difference between the total number of points issued by the point business other than the point investment service and the total number of points available to the user (point balance of the balance database 111 + investment point balance). . In other words, this difference represents the number of issued points that increases or decreases depending on the operation of points.

  When the above difference is positive (when the total number of investment points has increased), the trading instruction unit 205 performs processing for purchasing the above-mentioned planned amount of investment trust (purchase for the system 41 of the investment trust sales securities company). Instructions). On the other hand, when the above difference is negative (when the total number of investment points decreases), the trading instruction unit 205 performs processing for selling the above-mentioned planned investment amount of investment trust (the system 41 of the investment trust sales securities company). Sell instructions for).

  Since the conversion rate 213 is the amount of the cost burden associated with the issuance of one point, it is possible to hedge the risk of the cost burden increase / decrease due to the increase / decrease in the number of issued points by trading the investment trust based on the planned trading amount. The balance reporting unit 206 reports the total number of investment points after the update and information about the sales transaction of the investment trust to the point company system 10.

  The function of the point investment system 20 has been described above.

[4. Process flow]
By applying the functions of the point business system 10 and the point investment system 20 described above, a point investment service that provides a highly realistic investment experience can be realized.

  However, since the points themselves are worth exchanging with products or the like, there is a concern that users may overuse them. Further, for the purpose of providing an investment experience to the last, it is preferable to provide a mechanism for suppressing the user's enthusiasm. An example of the operation of the point business system 10 and the point investment system 20 in consideration of such circumstances is shown below.

(4-1. Overall system processing flow)
The flow of processing executed by the point business system 10 and the point investment system 20 will be described with reference to FIGS. 7 and 8.

  FIG. 7 is a first flow chart showing an example of processing executed by the point business system and the point investment system according to the embodiment of the present invention. FIG. 8 is a second flow diagram showing an example of processing executed by the point business system and the point investment system according to the embodiment of the present invention.

  The user sequentially accesses the point investment portal 12 and the point investment site 21 to start the investment experience. At this time, the user specifies the number of transfer points (S101). The investment point management unit 203 requests the point company system 10 to subtract the transfer point number from the point balance of the balance database 111 (S102). In response to this request, the point management unit 103 executes the subtraction of the point balance.

  The investment point management unit 203 registers the record of the corresponding user in the investment point database 211 and the history database 212, and adds the transfer point number to the investment point number of the investment point database 211 (S103). The order of the processes of S102 and S103 may be exchanged or may be executed in parallel. The point operation unit 204 starts the point operation of the corresponding user (S104). The flow of processing relating to point operation will be described later.

  The investment point management unit 203 determines whether or not a processing request regarding transfer, withdrawal, and cancellation operations has been received (S105). When the processing request is received, the processing proceeds to S106. On the other hand, if the processing request has not been received, the processing returns to S105 (continuation of point operation).

  When the processing proceeds to S106, the investment point management unit 203 determines whether the received processing request is a withdrawal request (S106). If the request is for withdrawal, the process proceeds to S107. On the other hand, if the request is not for withdrawal, the process proceeds to S109.

  When the process proceeds to S107, the investment point management unit 203 subtracts the number of withdrawal points from the number of investment points of the investment point database 211 (S107). Further, the investment point management unit 203 requests the point business system 10 to add the number of withdrawn points to the point balance of the balance database 111 (S108). In response to this request, the point management unit 103 executes addition of point balance. When the process of S108 is completed, the process returns to S105 (continuation of point operation).

  When the process proceeds to S109, the investment point management unit 203 determines whether the received processing request is a request for additional transfer (additional transfer) (S109). If the request is for additional transfer, the process proceeds to S110. On the other hand, if the request is not for additional transfer, the process proceeds to S113.

  When the process proceeds to S110, the investment point management unit 203 refers to the history database 212 and calculates the total number of points transferred by the user in a predetermined period (for example, one month) (total transfer points). Then, it is determined whether the accumulated transfer points is equal to or less than a predetermined upper limit point number (for example, 5000 points) (S110).

  When the transfer point total is less than or equal to the upper limit point number, the process proceeds to S111. On the other hand, when the transfer point total is not less than or equal to the upper limit point number, a message notifying that the upper limit point number is exceeded is output, and the process returns to S105 (continuation of point operation).

  As described above, by setting an upper limit on the cumulative transfer points, it is possible to prevent the user from overusing. The cumulative point number obtained by subtracting the withdrawal point cumulative number from the transfer point cumulative number may be modified so as to be compared with the upper limit point number. In addition, an upper limit (for example, 60 times) of the number of transfers in a predetermined period may be provided, and the mechanism may be modified to suppress further transfers when the number of transfers exceeds the upper limit. In addition, in the above example, the total number of transfer points within a predetermined period is compared with the maximum number of points, but there is a mechanism to set an upper limit on the number of points that can be transferred at one time and an upper limit for the total number of investment points. It may be modified to a mechanism for providing.

  When the process proceeds to S111, the investment point management unit 203 requests the point company system 10 to subtract the transfer point number from the point balance of the balance database 111 (S111). In response to this request, the point management unit 103 executes the subtraction of the point balance. Further, the investment point management unit 203 adds the number of transfer points to the number of investment points in the investment point database 211 (S112). When the process of S112 is completed, the process returns to S105 (continuation of point operation).

  When the processing proceeds to S113, the investment point management unit 203 determines whether the received processing request is a cancellation request (S113). If the request is for cancellation, the process proceeds to S115. On the other hand, if it is not a cancellation request, the investment point management unit 203 executes a process according to the process request (S114) and returns the process to S105 (continuation of point operation).

  When the process proceeds to S115, the investment point management unit 203 refers to the history database 212 and calculates the total number of transfer points and the total number of withdrawal points from the start of the investment experience of the corresponding user to the present time. . Further, the investment point management unit 203 calculates the difference between the total transfer point number and the total withdrawal point number (S115). Further, the investment point management unit 203 acquires the current investment point balance from the investment point database 211 (S116).

Further, the investment point management unit 203 determines whether or not the difference calculated in S115 is equal to or larger than the investment point balance acquired in S116 (S117). This difference corresponds to the net number of points that the user transferred from the point balance to investment points. On the other hand, the investment point balance corresponds to the balance after the change due to operation. If the difference is greater than or equal to the investment point balance, the user has lost or has not gained any loss, and if the difference is less than the investment point balance , the user has not lost.

When the difference is equal to or more than the investment point balance (when the user has lost or has not gained or lost ), the process proceeds to S118 . On the other hand, when the difference is less than the investment point balance (when the user does not lose), the process proceeds to S120 .

  When the process proceeds to S118, the investment point management unit 203 calculates the absolute value of the number of points (total loss point number) obtained by subtracting the investment point balance from the difference (S118). Further, the investment point management unit 203 calculates, as the number of points to be returned, the number of points obtained by adding the total loss points to the investment point balance (S119). When the process of S119 is completed, the process proceeds to S121.

  When the process proceeds to S120, the investment point management unit 203 sets the investment point balance to the number of return points (S120), and proceeds the process to S121.

  When the process proceeds to S121, the investment point management unit 203 requests the point business system 10 to add the number of points to be returned to the point balance of the balance database 111 (S121). In response to this request, the point management unit 103 adds the point balance. Further, the investment point management unit 203 deletes the record of the corresponding user from the investment point database 211 (S122). When the process of S122 is completed, the series of processes shown in FIGS. 7 and 8 are ended.

(4-2. Process flow for point operation)
Here, the flow of the point operation processing will be described with reference to FIG. 9. FIG. 9 is a flow chart showing the flow of the point operation processing according to the embodiment of the present invention.

  The point management unit 204 determines whether or not the update timing of the investment point number has arrived (S131). For example, the point management unit 204 updates the number of investment points in the investment point database 211 at the timing when the daily reference price is announced. When the update timing of the number of investment points arrives, the process proceeds to S132.

  When the process proceeds to S132, the point operation unit 204 accesses the system 42 of the investment trust management company and fetches the reference price of the investment trust (S132). Next, the point management unit 204 updates the investment point database 211 based on the current reference price (S133). Next, the trading instruction unit 205 instructs the trading of the investment trust in accordance with the increase / decrease in the investment point balance (S134).

  Next, the balance reporting unit 206 outputs the total investment point balance and report data indicating the status of the investment trust transaction by the buying and selling instruction unit 205 to the point company system 10 (S135). The cost management unit 104 updates the balance database 111 and the transaction database 112 according to the report data (S136). When the process of S136 is completed, the process returns to S131 (continuation of point operation).

  The flow of processing executed by the point business system 10 and the point investment system 20 has been described above.

  As described above, when the accumulated transfer points exceed the upper limit number of points, the transfer is suppressed, so that the overuse by the user is prevented. In addition, when a loss occurs at the time of cancellation, the total number of loss points is compensated by the point investment system 20, so that a mechanism that does not cause a loss is realized, and the risk of the user being absorbed in point investment in an attempt to recover the loss can be reduced. Further, since the investment trusts are actually sold and sold according to the change in the total investment points, it is possible to suppress the risk that the issued points substantially change according to the investment investment performance.

[5. Modification]
In the above description, the method in which the user receives the point investment service through the website is introduced, but the method can be modified to a method in which application software for the point investment service installed in the customer terminal 30 or a dedicated terminal is used. Further, it can be modified to a method in which a warning message is displayed to the user when the total of the transfer frequency or the transfer points exceeds a threshold value.

  Moreover, although the investment trust has been described as an example, the method can be modified so that the points are linked to the value index of a financial product other than the investment trust or a combination of a plurality of financial products. Further, in the case of a financial product in which the updating interval of the value index is short, it can be modified into a system in which the number of investment points is updated at intervals (1 hour, 30 minutes, several minutes, etc.) shorter than one day.

  Further, it may be modified into a method of restricting or prohibiting an operation (withdrawal) of withdrawing a part of the investment point balance during operation, or a method of adjusting the number of return points so that the user's profit is not generated at the time of cancellation. Further, instead of compensating for the total loss points, the system may be modified to return a product or service corresponding to the total loss points to the user. Naturally, such modifications also belong to the technical scope of this embodiment.

  The embodiment of the present invention has been described above.

10-point business system 20-point investment system 101, 201 Storage unit 102 Site management unit 103 Point management unit 104 Cost management unit 111 Balance database 112 Transaction database 202 Investment site management unit 203 Investment point management unit 204 Point management unit 205 Trading instruction unit 206 Balance Report Department 211 Investment Point Database 212 Historical Database 213 Exchange Rate

Claims (7)

A point investment system capable of communicating with a point management system having a first database for managing a point balance held by a user,
A storage unit that stores a second database for managing the number of points designated by the user for investment experience in the point balance,
An operation processing unit that increases or decreases the number of points managed in the second database in association with the price of a predetermined financial product;
When the user specifies the number of points for investment experience, the specified number of points is added to the number of points managed in the second database, and at the same time, from the point balance managed in the first database. Subtract it,
When the user accepts a request for cancellation processing to return the remaining points out of the points specified for investment experience to the point balance, the user specifies the remaining points in the cancellation processing. If the total number of points is larger , the point provider issues the number of points for compensating for the loss of the user corresponding to the difference between the total number of points and the number of remaining points, and the issued number of points is A point management unit that adds to the number of remaining points and adds the added number of points to the point balance managed in the first database;
Having a point investment system. When the cancellation processing is requested, the point management unit, in the cancellation processing, when the number of remaining points is equal to or more than the total number of points, the remaining number of points is stored in the first database. Add to the managed point balance,
The point investment system according to claim 1. A computer providing the function of a point investment system capable of communicating with a point management system having a first database for managing the point balance held by a user,
The second database is accessed in association with a value of a predetermined financial product by accessing a storage unit that stores a second database for managing the number of points designated by the user for investment experience out of the point balance. The step of increasing or decreasing the number of points managed by
When the user specifies the number of points for investment experience, the specified number of points is added to the number of points managed in the second database, and at the same time, from the point balance managed in the first database. A step to subtract
When the user receives a request for cancellation processing to return the remaining points out of the points specified for the investment experience to the point balance, the user specified from the remaining points in the cancellation processing. If the total number of points is larger , the point provider issues the number of points for compensating for the loss of the user corresponding to the difference between the total number of points and the number of remaining points, and the issued number of points is Adding to the number of remaining points and adding the added number of points to the point balance managed by the first database;
Perform investment point management method. A point investment system capable of communicating with a point management system having a first database for managing a point balance held by a user,
A second database for managing the number of points designated by the user for investment experience in the point balance, and a storage unit that stores information on the maximum number of points that can be designated within a predetermined period,
When the user specifies the number of points for investment experience, the specified point number is compared with the upper limit point number, and if the specified point number is smaller than the upper limit point number, the specified point number A point management unit that reduces the point balance managed by the first database and increases the number of points managed by the second database by the number of points;
An operation processing unit that increases or decreases the number of points managed in the second database in association with the price of a predetermined financial product;
Have a, the point management unit limits the number of times which can increase the number of points that are managed by the amount corresponding the second database of the number of points where the specified below a predetermined number of times,
Point investment system. A point investment system capable of communicating with a point management system having a first database for managing a point balance held by a user,
A storage unit that stores a second database for managing the number of points designated by the user for investment experience in the point balance,
An operation processing unit that increases or decreases the number of points managed in the second database in association with the price of a predetermined financial product;
When the user specifies the number of points for investment experience, the specified number of points is added to the number of points managed in the second database, and at the same time, from the point balance managed in the first database. A point management unit to subtract
And a hedge processing unit that calculates a cost that accompanies the issuance of the number of points,
The hedge processing unit calculates the increase or decrease in the cost according to the change in the total number of points managed by the second database, and the financial product is adjusted so that the increase or decrease in the cost is offset by the gain or loss of the financial product. Perform processing for buying and selling,
Point investment system. A computer providing the function of a point investment system capable of communicating with a point management system having a first database for managing the point balance held by a user,
Accessing a storage unit that stores a second database for managing the number of points designated by the user for investment experience in the point balance and information on the maximum number of points that can be designated within a predetermined period. Steps,
When the user specifies the number of points for investment experience, the specified point number is compared with the upper limit point number, and if the specified point number is smaller than the upper limit point number, the specified point number In the step of decreasing the point balance managed in the first database and increasing the number of points managed in the second database by the number of times, the number of times that the number of points can be increased is predetermined. Limited to a number of steps ,
Increasing or decreasing the number of points managed in the second database in association with the price of a predetermined financial product,
Perform investment point management method. A computer providing the function of a point investment system capable of communicating with a point management system having a first database for managing the point balance held by a user,
A step of accessing a storage unit in which a second database for managing the number of points designated by the user for investment experience is stored in the point balance;
Increasing or decreasing the number of points managed in the second database in association with the price of a predetermined financial product,
When the user specifies the number of points for investment experience, the specified number of points is added to the number of points managed in the second database, and at the same time, from the point balance managed in the first database. A step to subtract
Calculating the cost associated with issuing the number of points,
A process for calculating the increase or decrease of the cost according to the change of the total number of points managed by the second database, and trading the financial product so that the increase or decrease of the cost is offset by the gain or loss of the financial product. To perform
Perform investment point management method.

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