JP2003085432A - Point issuance management and operation system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To solve problems that any of conventional point services is of sales promotion technique for securing re-purchase and reuse customers (repeaters) to make users purchase merchandise and use the service again within a fixed period since this point issuance and operation system is mainly based on a standpoint of a seller, and when the period elapses, most of their privileges are lost and the service is mainly for profit on the seller's side. SOLUTION: The followings are provided as one means for dissolving the above problems. Savings and investment to financial products using points are explained by using a fig. 11, a point use, savings, contribution processing block chart and a fig. 13, a savings and investment flow chart. First, 2. savings and investment is selected on a purchase picture using points of the fig. 11.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention provides points (privileges) given to customers who purchase commonly-used products and services.
Service and its issuance, management, operation, distribution, etc.

[0002]

2. Description of the Related Art Stamping paper cards and collecting printed marks have long been practiced. Most of them use printed matter on paper, and most give various points (privileges) to their own customers,
As a method of using the acquired points, exchange for products,
Money discounts and exchanges for money were mainly performed.

Recently, along with the development of computers and systematization of retail, many methods of issuing cards and processing points at the cash register have been performed. After that, recently, with the development of the Internet, services for getting in and exchanging individual point services with each other, and especially for lending a point system as an ASP on the Internet and acting as a service have appeared.

[0004]

The conventional or recent point service method, mutual entry method, etc. are gradually expanding from individual point service in a narrow range, and the range of utilization of points for customers is also increasing. It is expanding along with that, but the system is still in the developing stage, and it is not enough to limit the utilization of deadlines and exchange products and services desired at the points used.

Also, since the system is mainly operated from the standpoint of the seller, all of these conventional point services allow the user to purchase the product or use the service again within a certain period of time. It is a sales promotion method to secure customers (repeaters), and most of the benefits are lost after the deadline, and it is a service that mainly focuses on the profit of the seller side, so it is very attractive to users. I couldn't say.

[0006] Further, it has not been possible to provide a means of livelihood protection or an option for economic activities, in which a part of the consumer's consumption behavior leads to immediate savings, individual pension insurance and other insurance participation and investment. It is provided as one of the means for solving the above problems.

[0007]

[Means for Solving the Problems] In order to achieve the above object,
A point issuance management system according to claim 1 of the present invention is a system for issuing and managing points, wherein a computer manages a member, and a member data input means for inputting member data to a computer or , A means for inputting member data to a computer via a network, a registration means for registering member data input by a computer, and a member database and computer for accumulating the registered member data, and the computer judges the registration data and assigns a rank. Further, the computer authenticates the person of a specific rank assigned the rank, or the authentication means of the computer authenticates the person of a specific rank assigned the rank via the network. Make a decision for each rank who has external authentication means and computer The automatic mail sending means and a computer to send mail for a particular data automatically is connected to the member point history database, point issuing fulfillment system, characterized in that it comprises a means for reading the stored data

The invention according to claim 2 is a method for issuing and managing points, wherein the step of managing membership by a computer, the step of inputting membership data to the computer, or
The step of inputting the member data to the computer via the network, the step of registering the input member data by the computer, the step of registering the registered member data by the computer and the step of judging the registered data by the computer, and giving the rank. And further, the step of authenticating a person of a specific rank to which the computer is assigned, or the step of externally authenticating the person of a specific rank to which the computer is assigned via the network. And a step of automatically sending an e-mail of predetermined specific data to a person of each rank to which the computer is attached, and a step of connecting the computer to the member point history database and reading the accumulated data. Point issuance management management method

The invention according to claim 3 is a program for issuing and managing points, the step of managing membership by a computer, the step of inputting membership data to the computer, or
The step of inputting the member data to the computer via the network, the step of registering the input member data by the computer, the step of registering the registered member data by the computer and the step of judging the registered data by the computer, and giving the rank. And further, the step of authenticating a person of a specific rank to which the computer is assigned, or the step of externally authenticating the person of a specific rank to which the computer is assigned via the network. The points effective for executing the step of automatically sending the mail of the specified specific data to the person with each rank given the computer and the step of the computer connecting to the member point history database and reading the accumulated data Management operation program.

According to a fourth aspect of the invention, a computer is
When issuing points, ID assigning means for assigning an ID, and further, the ID is
1 ID assigning means for assigning 1 ID, and further, the ID is a serial number assigning means for continuously assigning serial numbers to the issuing 1 point one by one, and the issuing date for assigning the issue date data by the computer. The data giving means computer gives the expiration date data, the expiration date giving means computer gives the delivery date data, the delivery date data giving means computer gives the delivery destination data, the affiliation data giving means and the computer, Issue and assign ID, issue date, expiration date, delivery date, delivery destination, point issue means and record the daily number of points issued, point issue recording means and accumulation data and the number of issues when points are issued A point issuance management management system, characterized by comprising: .

According to the invention of claim 5, a computer
When issuing points, an ID assigning step of assigning an ID, and further, as for the ID, the computer assigns 1 ID per point,
D is a serial number assigning step in which the computer sequentially assigns serial numbers to one issue point one by one, and an issue date data assigning step in which the computer assigns issue date data, and the computer assigns expiration date data. The expiration date data giving step computer attaches the delivery date data, the delivery date data attaching step computer attaches the delivery destination data, the affiliation data attaching step and the computer, the ID, the issue date, the expiration date, the delivery date, Give and issue a delivery destination, record the point issuance step and the daily number of points issued,
A point issuance management operation method, comprising: a point issuance recording step; and a point issuance management database for accumulating the number of issued points and the number of points issued when the points are issued.

According to the invention of claim 6, a computer
When issuing points, an ID assigning step of assigning an ID, and further, as for the ID, the computer assigns 1 ID per point,
D is a serial number assigning step in which the computer sequentially assigns serial numbers to one issue point one by one, and an issue date data assigning step in which the computer assigns issue date data, and the computer assigns expiration date data. The expiration date data giving step computer attaches the delivery date data, the delivery date data attaching step computer attaches the delivery destination data, the affiliation data attaching step and the computer, the ID, the issue date, the expiration date, the delivery date, Give and issue a delivery destination, record the point issuance step and the daily number of points issued,
A point issuance management operation program for executing a point issuance recording step and the means for accumulating the award data and the number of issues when the points are issued.

In the invention according to claim 7, the point issuing means further inputs a point image, a moving image, a logo, and a message into a computer, and a content input means inputs a affiliation destination of the content into a computer. Pre-input means, which stores content and affiliation, when the content storage database computer issues points, reads data from the content storage database, selectively assigns content and affiliation, and issues the points.
5. The point issuance / management operation system according to claim 4, further comprising point issuance management database storage means for accumulating point issuance in a point issuance management database.

According to the eighth aspect of the present invention, the issuing means further inputs voice and music to a computer, the voice input means and the voice affiliation input means for inputting the affiliation destination of the voice and computer to the computer, A point issue means for accumulating voice and music, and a point issue management for point issue means for reading and outputting data from the voice accumulation database when the computer issues points 8. The point issuance / management operation system according to claim 4, further comprising point issue management database accumulating means for accumulating in a database.

According to a ninth aspect of the present invention, a computer is
The date of giving the point to the member to the point is recorded by the giving date data recording means and the computer, the date of the member using the point is recorded to the point, the use date data recording means and the computer of the point being used for the point. The content is recorded, the content recording means and the computer record the point, the date when the points to the member are amortized,
5. The depreciation date data recording means and the means for recording the date of grant, the date of use, the content of use and the depreciation date are automatically recorded at the issued points by the computer at the time of occurrence. The point issue and management operation system according to claim 7 and claim 8.

According to a tenth aspect of the present invention, a computer is
A data reading means for reading the data in the point issuance management table from the point issuance management database and a time series list display means for displaying the data read by the computer in time series based on the issue date. 5. The point issuance / management operation system according to claim 4, further comprising a market circulation remaining number grasping means for obtaining a remaining number of points by subtracting the number of points amortized from the total number of points issued.

According to an eleventh aspect of the present invention, the point sale price, the wholesale sale rate of points, the purchase rate setting data of the exchange rate with other companies are input to the computer, and the exchange rate input means stores the input data. The member store management database computer reads and calculates the member store management database, issues and sells points to the member store, and the member store sale processing means and the computer read and calculate the member store management database and other point systems. One-way exchange of own issued points to points of other point operating companies, one-way exchange of issued points of other point operating companies to own points, point exchange management means for mutual exchange with own company The computer reads and calculates the above-mentioned member store management database,
A member store that purchases and purchases once issued points from a member store, purchase purchase means and the above-mentioned, sale price, sale wholesale rate, exchange rate, purchase rate, management data, member store transactions, transactions of other point operating companies The point issue and management operation system according to claim 1 or 4, further comprising a management database.

According to a twelfth aspect of the present invention, the point sale price, the wholesale sale rate of points, the purchase rate setting data of the exchange rate with other companies are input to the computer, and the exchange rate input step stores the input data. The member store management database computer reads and calculates the member store management database and issues and sells points to the member store. The member store sale processing step and the computer reads the member store management database and calculates the points, and other points system One-way exchange of own issued points to points of other point operating companies, one-way exchange of issued points of other point operating companies to own points, point exchange management step for mutual exchange with own company The computer reads the above-mentioned member store management database, calculates it, and issues it once. A member store management database that records the points purchased from a member store, the purchase and purchase step and the sale price, wholesale rate, exchange rate, purchase rate, management data, member store transactions, and transactions of other point management companies. And 2 are provided.
Management method for issuing and managing points.

According to a thirteenth aspect of the present invention, the point sale price, the wholesale sale rate of points, the purchase rate setting data of the exchange rate with other companies are input to the computer, and the input data is accumulated. The member store management database computer reads and calculates the member store management database and issues and sells points to the member store. The member store sale processing step and the computer reads the member store management database and calculates the points, and other points system One-way exchange of own issued points to points of other point operating companies, one-way exchange of issued points of other point operating companies to own points, point exchange management step for mutual exchange with own company The computer reads the above-mentioned member store management database, calculates it, and issues it once. A member store management database that records the points purchased from a member store, the purchase and purchase step and the sale price, wholesale rate, exchange rate, purchase rate, management data, member store transactions, and transactions of other point management companies. 7. The point issuance management operation program according to claim 3 or 6, which executes the following.

The invention according to claim 14 is such that a computer depreciates points used by its own members, amortization means for depreciation of in-house member points and points used by member members, amortization of member member point depreciation means and points purchased, amortization of purchase points. The processing means and the exchange point amortization means for amortizing the issued points exchanged with the point management company, and the issue balance management means for deducting the amortization balance from the total issued balance and describing the remaining balance, and claim 4 and claim 7. From claim 12, the point issuance and management operation system according to claim 11.

According to a fifteenth aspect of the present invention, a computer is
When a member purchases a product or service, a customer confirmation step is performed to confirm whether or not the customer is a customer using the customer database, and in the case of a customer, a rank confirmation step for confirming the rank and further whether or not to use points at the time of purchase, Point use confirmation step Further, when purchasing a product / service with points, a point grant determination step in which points are not granted and a point grant step for granting points to purchase a product or service to a customer who satisfies the above conditions and a point grant Issuance management operation method characterized by the step of accumulating in a customer point history database

According to a sixteenth aspect of the present invention, a computer is
When a member purchases a product / service, a customer confirmation means for confirming whether or not the customer is a customer using a customer database, and in the case of a customer, a rank confirmation means for confirming the rank, and whether or not to use points at the time of purchase, Point use confirmation means Further, in the purchase of goods and services by points, a point giving judgment means that does not give points and a point giving means and points that give points to customers who satisfy the above conditions A point issuance management and operation system characterized by means for accumulating in a customer point history database.

The invention as claimed in claim 17 provides the option of using points in a system for the use of points,
A means by which the selected service is input to the computer via the network and the computer purchases the product or service by points based on the contents selected by the computer, the service purchasing means, or the point donating means or the point donating means. A point database for acquiring and displaying the point saving investment means on a computer for displaying and executing the point saving investment method, and the computer further stores the history of the product service use, point donation, and point saving investment, and a history database. A point issuance management management system characterized by having a screen display means for reading out a history database and displaying product service use, point donation, and point savings investment.

[0024] The invention as set forth in claim 18 selects Use points in the method for use of points, and the steps in which the selected service is input to the computer through the network and the computer are selected. Purchasing products and services based on points, product or service purchasing step, or donating points,
A point donation step or a point use step in which points are exchanged for cash and saved for investment, and a point savings investment step is acquired, displayed and executed on a computer.
A point issuance management operation method characterized by having a screen display step for accumulating a history of point savings investment, reading a history database and a history database, and displaying product service use, point donation, and point savings investment.

The invention according to claim 19 selects use of points in a program for use of points,
The step in which the selected service is input to the computer via the network and the computer purchases the product or service by points based on the selected content, the step of purchasing the service, the step of donating the point, the step of donating the point, or the point The point use means for acquiring and displaying the point saving investment step on a computer, executing the point saving investment step in exchange for cash, and further executing the product service use, point donation,
A point issuance management operation program for accumulating a history of point savings and investment, executing a history database and reading the history database, and using the product service, point donation, and a screen display step for displaying the point savings and investment.

According to a twentieth aspect of the present invention, a computer manages a point use history of a member, a point history management means and a computer accumulate and manage a member point use history, a point use accumulation management database and the point history management. The means is further described as a means for accumulating points, the list notation means is further calculated, and the savings, investment balance and present value are calculated and collectively managed, points history, savings, investment collective management means and members themselves A point issuance management operation system characterized by having a confirmation means for confirming the current amount and history of points.

According to a twenty-first aspect of the invention, a computer manages a member's point use history, a point history management step and a computer accumulates and manages a member's point use history, a point use accumulation management database and the point history management. The means is further described as a list as means for accumulating points, a list notation step and further saving,
Calculate investment balance and present value and manage them collectively
A point issuance management operation method characterized by having a point history, a savings, and a collective investment management step, and a confirmation step for a member to confirm the current amount and history of his or her own points.

According to the invention of claim 22, a computer manages a point use history of a member, a point history management step and a computer accumulates and manages a member point use history, a point use accumulation management database and the point history management. The means is further described as a list as means for accumulating points, a list notation step and further saving,
Calculate investment balance and present value and manage them collectively
A point issuance management operation program that executes a point history, savings, and collective investment management step and a confirmation step for members to check the current amount and history of their points.

In the invention according to claim 23, the list management means collectively displays the date, product name, withdrawal / receipt of points, current amount of points, total savings investment, and current total evaluation balance at the time of cashing. Means and a history of use are displayed side by side in time series, and further, the time series display means and the collective notation means are savings,
Calculate investment balance and present value and manage them collectively
Claim 1, claim 4, claim 11, characterized in that it has a collective management means, and further has a destination display means for displaying the destination by linking to the home page of the destination when the destination is selected.
The point issuance management operation system according to claim 14 or claim 20.

In the invention according to claim 24, the list management means collectively displays the date, product name, withdrawal / receipt of points, current amount of points, total savings investment, and current total evaluation balance at the time of current cashing. The step of displaying and the history of use are displayed in chronological order, and further, a time series displaying step, and the collective notation means calculates and calculates the balance and present value of savings, investment, and manages collectively. When selecting, a destination display step of linking to the home page of the destination and displaying the destination is included.
The point issuance management operation method according to claim 5, claim 12, claim 15, and claim 21.

[0031] In the invention according to claim 25, the list management means collectively displays the date, product name, withdrawal / receipt of points, current amount of points, total savings investment, and current total evaluation balance at the time of current cashing. Steps and usage history are displayed in chronological order, and a time-series display step, and a collective notation means calculates savings and investment balances and present values and manages them collectively. When selected, a destination display step of linking to the destination homepage and displaying the destination is executed, claim 3, claim 6, claim 13,
The issue management point management program according to claim 16 or claim 22.

In the invention according to claim 26, the point saving investment means according to claim 17 is a financial institution display means for displaying a financial institution selected by a financial member from a menu through a network, and the displayed financial information. Financial product display selection means for displaying and selecting institutional financial products on screen, and further, deposit amount input means for inputting the amount of money to purchase for the selected products and purchasing of point members all at once in the name of the agent To have a means to take purchase procedures to a financial institution and to collectively manage the purchased financial products in an account in the name of an agent, a collective management account means and a screen to display the collective management account screen, and a collective management account screen display means. The point issue management operation system according to claim 17, claim 20, or claim 23, which is characterized.

In the invention according to claim 27, the point saving investment step according to claim 10 is a financial institution displaying step of displaying a financial institution selected from a menu by a financial member via a network, and the displayed financial information. The financial institution's financial product display selection step to select and display the financial product of the institution, and the deposit amount input step to enter the amount to purchase for the selected product and the purchase of point members are collectively done by the center under the name of the center. It has a step of taking a purchase procedure to a financial institution, a batch management account step of collectively managing purchased financial products with an agent account, and a batch management account screen display step of displaying the screen of the batch management account The point issuance management operation method according to claim 18, claim 21, or claim 24.

In the invention according to claim 28, in the point saving investment step according to claim 10, a financial institution displaying step for displaying a financial institution selected by a financial member from a menu through a network and a computer are further displayed. The financial products of the financial institution that are displayed on the screen and selected, and the financial product display selection step, and further the deposit step for entering the amount to purchase for the selected product and the purchase of point members collectively by the center under the name of the center A method of performing a step of taking a purchase procedure with a financial institution, a batch management account step of collectively managing purchased financial products with an agent account, a step of displaying the screen of the batch management account, and a step of displaying a batch management account screen. 19, the point issuance management management program according to claim 22 and claim 25.

According to a twenty-ninth aspect of the invention, as an alternative to the collective management account screen display means of the twenty-sixth aspect, a computer reads data from a history database in which the history of point savings investment of the seventeenth aspect is accumulated. Data reading means, agent batch account data and individual investment data of members are called, call means and agent batch investment account financial institutions are connected via a network call, current valuation balance data is read, current valuation balance data Reading means Distributing and allocating the current valuation balance according to the member's equity, allocating the member equity valuation screen It is possible to have a virtual display means for displaying to the investment financial institution that each member's account actually exists. 27. The point issuance management operation system according to claim 26.

According to a thirtieth aspect of the present invention, as an alternative to the collective management account screen display means according to the twenty-seventh aspect, a computer reads data from a history database in which the history of point savings investment according to the eighteenth aspect is accumulated. Data reading step, agent batch account data and individual investment data of members are called, calling step and agent batch investment account financial institutions are connected via network Call current valuation balance data is read, current valuation balance data Reading step Distributing and allocating the current valuation balance according to the member's equity, allocating the member's equity step Each investment's market value valuation screen has a virtual display step for displaying to the investment financial institution that each member's account actually exists. 28. The point issue management operation method according to claim 27, which is characterized by the above-mentioned.

According to a thirty-first aspect of the present invention, as an alternative to the collective management account screen display means of the twenty-eighth aspect, a computer reads data from a history database in which the history of point savings investment of the nineteenth aspect is accumulated. Data reading step, agent batch account data and individual investment data of members are called, calling step and agent batch investment account financial institutions are connected via network Call current valuation balance data is read, current valuation balance data Reading step Distributing and assigning the current valuation balance according to the member's equity, Member equity allocating step Displaying the investment financial institution as if the individual account of the member actually exists on the investment fair value evaluation screen, and executing the virtual display step The point issuance management management program according to claim 28.

According to the invention of claim 32, the computer determines the rating of the donating member by the popularity vote of points, and the computer further donates points for validating the vote in the popularity vote. A point issuance management and operating system, characterized by further comprising a means for effectively donating votes, and a means for displaying rating rankings, in which a computer displays the increase and ranking of the voting results in real time on a screen.

The invention according to claim 33 is characterized in that the computer determines the rating of the donating member by the popularity vote of points, and further, the computer donates points for validating the vote in the popularity vote. A point issuance management and operation method, which further comprises a step of effectively donating votes, and a step of displaying a ranking of rankings in which a computer displays the increase and ranking of the voting results in real time on a screen.

In the invention according to claim 34, the computer decides the rating of the donating member by the popularity vote of points, and further, the computer donates points for validating the vote in the popularity vote. A point issuance management operation program that executes a voting effective donation step, and a rating ranking display step in which a computer displays the increase and ranking of the voting result in real time on a screen.

[0041]

BEST MODE FOR CARRYING OUT THE INVENTION Before the description of the first embodiment of the point issuing operation management system of the present invention, related figures will be explained first. FIG. 1 is a block diagram showing the overall configuration of the present invention. In FIG. 1, 02 members connect to a point issuing management center of 01 via a network (for example, the Internet) by using a personal computer of their home or office. If this is the first time, you will be able to register as a member at the center and then purchase and provide various services. Since the member automatically determines whether or not the member is a member, the user can directly select and execute the necessary service. The center's system makes up the majority, and most others show relative relationships.

Reference numeral 03 is a member company. When providing the necessary point service to the customer at a necessary time without developing a huge system in-house, the present invention and the point issuing management system are used by joining the system to join the system. 05 is a trading company, which is a company that provides products and services for which products and services are purchased by members, purchased with points, and points are granted by purchase. 04 is a financial institution. Financial institutions include banks, insurance companies, securities companies, etc., and provide various financial products and services. In order to trade here, the member must be authenticated by the individual.

There are two methods for personal authentication, one is authentication by the authentication system inside the center and the other is authentication by 08 external certification body connected by the network for security. Of course, the effect is acceptable if only one authentication is required. In the present invention and the point issuance management operation system, it is possible to get into other point companies and services for granting benefits. It is displayed as 06 other point system operating company. Further, according to the present invention, the point issuing management system,
He is a 07-donation organization member who can make donations to volunteers such as O and NGOs.

First Embodiment In the first embodiment, the flow until a member uses points will be described with reference to the drawings. The content to be explained is a series of flow in which the member registers, purchases products and services, receives points, and uses the accumulated points. First, to use points,
A block diagram of the point operation management system shown in FIG. 2 and the member registration management processing unit 30 shown in FIG. To register as a member, you can enter membership data at the center or access the center from the network and enter the data yourself using the member terminal 35 (PC, mobile device, mobile phone, etc.). There is a method to enter from the register etc. of the shop that has a key to connect to the network, which is a member of the point issuance management management system.

Input processing is performed in the member data input section 72. The contents to be entered include the name, telephone number, address, e-mail, and affiliation 104 of the registration items 102 in the table of membership registration and ID / password assignment format in Fig. 4. Enter the name of the member store 03 or other point management company 06 as the affiliation 107.

Grant and selection / grant 103 is given by the computer. In addition, selection is granted by internal authentication at the center 7
7 or member rank 10 who can trade financial products, which is granted only to members who have passed the certification of external certification body 08
Of the 8 financial 110 ranks are awarded. This process takes safety into consideration. In addition, the input here is optional for members who are not financial members. If you are a registered member, we will automatically send you an e-mail (only for those who have already entered your e-mail) for confirmation.

If the member is registered, the registration contents 105
Is processed 76 and stored in the member database 33. Next, the processing when the registered member purchases a product or service will be described mainly using FIG. 11 and FIG. 12 product service, purchase use. When a member purchases a product or service, first, the member data judgment processing unit 73 of the member registration management unit in FIG. 3 judges whether or not the member and the member rank. Next in Figure 11
On the selection screen 421 of, select either product, service savings, or investment donation. Here, products and services are selected and products are purchased. Product / service purchase processing unit 425
Go to and process the purchase. Figure 12 Detailed explanation using product / service use / purchase processing flow. Select a product / service on the point use / purchase screen 480.

Next, here, the product / service database
Read the contents of products and services from 36. Display it on the screen as Menu Screen 1, 483 486. Select the product TV 487 and display the product list 510 on the next screen. Select 511 individual products. Then, the screen 488 is selectively displayed. Next, the product 511 is selected and purchased. Here, since this is the first purchase, the payment method is to select cash purchase. Perform cash payment processing 494. For payment processing,
This patent is outside the scope of this invention, so I will only describe it briefly.

Here, since the purchase is made in cash, the point giving process 498 is performed to obtain points. Next, since the points have increased (when the points have increased / decreased), the point holding / saving investment current evaluation balance display 503 processing is performed and displayed. or,
How to confirm the point balance is not described in detail, but the figure
You can also see it with 8 virtual point display cards 301. Also, the points you have acquired can be seen in detail in FIG.

Regarding the second embodiment, FIG. 11 is a block diagram of point use, savings, and donation processing and FIG. 13, Savings of financial products using points using the savings investment flow chart,
Describe investment. First, on the purchase screen using points shown in Fig. 11, the member management registration processing unit that selects savings investment
At 30, the member database 33 is read, and the process of judging whether the member is a member or not is performed.

If the member is a member, the member database 33 is read to determine whether the member can save or invest. If you are in the financial rank, you are eligible for savings and investment, so proceed to the next step. Next, the cash point exchange processing unit 426 exchanges points for cash. Next, financial institutions, products and services are read from the savings / investment destination database 37 in FIG. Make a selection 552 of financial institutions and then display 553 the selected financial institutions. At the same time, the accumulated data is read from the member point history database 34, 555, the cash that has been exchanged for cash is displayed (savings and investment balance 554 are displayed when all points are exchanged for cash. Display the product on screen 556.

Savings, savings and products to be purchased are selected. 55
8. Save and buy 560 within the cash range. The results are recorded and stored in the member point history database 34 561. Next, when confirming the savings financial product that he / she has, select 562 Confirm savings purchase product and see the screen display 563 of the savings purchase product. Here, we will explain the mechanism of collective investment, including internal processing, using the diagram of collective savings and investment in Figure 14.

When the member 02 makes the savings investment described above, the savings and investments of the member 001, the member 002, and many of the same financial institution, for example, the deposit 604 of the financial institution A603 in FIG.
When 1,001,003,004 members make deposits, they deposit the deposits in the account in the name of the center of financial institution A collectively in the name of the center. After that, when interest rates are attached or the price of the financial investment product fluctuates (even when the price does not fluctuate), on the contrary, the bank account of the collective deposit in the name of the center of the financial institution is assumed to be the member's equity, and conversely the member 01 Individual 001 Display system for displaying individual 002 and individual 003. The advantage of this system is that you don't have to risk sending your ID or password over the network.
Calculate virtually.

The idea including this internal processing and screen display is as follows:
It is to provide a safe collective savings and investment mechanism that makes it look as if you have an account with each financial institution and make deposits and investments. On the other hand, for the mechanism of deposit and investment with one financial institution, conversely, the account of the financial product of the member and the individual account of the financial institution are connected by a network via the system of the center, one to one.
It is also conceivable to have a system in which deposit investments are mutually made in real time by linking with each other.

Also, by combining the mechanisms of FIG. 14 and FIG. 15, the transfer from the center account to the same member account in the financial institution, the screen display and the operation may be the same as in FIG. The above 15 virtual versions can be provided.

The third embodiment will be described. We will provide a mechanism to make donations using points. Also, we will introduce a rating system for donations so that we can make donations in a fun and meaningful way. To explain, select donation 424 in the block diagram of Figure 11 Point use, purchase, savings, and donation processing. Next, the person goes to the donation processing unit 429 to make a donation act.

Here, in order to rate the participating donating members, the rating function of the donating member is provided to the donor by a popular voting ranking system with paid points. Here, the mechanism of the donation and the rating of the donating member will be described using the flow chart when making the donation in FIG. When you come to the donation destination process in Fig. 11, select 1, donate 812 or 2, choose participation in each attachment 813, then select donation Fig 1
The list of 7 donation organization members is displayed 814. Next, if you look at the contents in the list, there is also a home page address so you can link and see the contents of the donation destination. Select the donation destination 815 If you decide, decide the donation amount 817 Next make the donation 819. Since points are reduced when you donate, the points are deducted from the total amount, and the points are amortized 822 and stored in the donation organization member database 823.

Next, a case where the participation 813 in the above-mentioned 2, rating is selected will be described. Similar to donation, the list of donation organization members in Fig. 17 is displayed 814. Next, when you look at the contents in the list, there is also the homepage address, so you can link and see the contents of the rating destination I can. Select the rating destination 816 Next decide the rating participation fee 818. If you decide, pay 821. Points will be reduced if a rating is given, so the points will be deducted from the total amount, and the points will be amortized 822 and recorded and accumulated in the donation organization member database 823.

If points can be used to make a donation, there are no products to be exchanged, the expiration date of points is short, or there are too few items to buy products. You can use it as a valuable system that allows you to make a meaningful donation while playing rating games.

The replacement and display of the popularity vote type ranking will be briefly described. Figure 17 The rating participation fee is displayed on the rating 759 of the donation organization member list. The more points you give to a rating, the more points you collect and the higher your ranking. This is executed and displayed in real time.

The fourth embodiment will be described. When issuing points or purchasing points, a huge amount of data is added, and the history of how the points are used and how the members use the points, such as the flow of points and how they are used. Since it can be recorded and stored, this point issue management system can be considered as the most valuable system as a marketing system. Therefore, as a fourth embodiment, a point issuance management management system will be described as a market tool.

First, a series of flow from issuing points will be described with reference to the drawings. The computer of the point issuance management operation center 01 shown in FIG. 1 issues and manages issuance and management of points. Figure 2 on the related system diagram
The point issue management operation processing unit 31, the point issue management database 35, the member point history database 34, and the member database 33 will be mainly described.

In the detailed diagram, FIG. 6 point issuance management administration unit, FIG. 7 is a flow chart of point issuance and flow chart of point data recording, FIG. 8 is a virtual display point card,
A detailed description will be given using the point ticket management list in FIG. First, the point issuance form is of course on a computer, but the usual point is to pass the point as a score. In this invention of the point issuance management and operation system, a method for displaying a message in the form of an image or text on a computer screen is shown in FIG. 8 and voice as a digital divide countermeasure for the elderly can be recorded. First, when issuing points, the flow of issuing points in FIG. 7 will be described. First, ID assignment 251 is performed. This ID is assigned one point, and a continuous serial number is assigned with one ID. Next, the issue date data attachment 252 and the expiration date data attachment 253 are performed. Of course, the expiration date may be absent.

Next, the delivery date data addition 254 and the affiliation destination data addition 255 are performed. The affiliation destination is the company 01 or the name of the member company 03 of this system or another point operating company 06. Points will be issued only after the data up to this point is added. As for the issued number, a record 257 of the daily issued number is stored 258 in the database. Issuance means
If you compare it to the printing of banknotes, it is just printing, and it is only when it is given to people's hands that it can function as a banknote.
Speaking of points, you can use it only after giving points to member 02.

Further, the data is added to the points when the points are given to the member 02. The contents include the date 259 that the member points were given, the person 260 who gave the points, the record 261, the date the points were used, the record 262, the date used and the record 263, etc., all accumulated in the database. 264, in FIG. 6, it is accumulated and stored in the point issuance management database 35. The saved data can be seen in Figure 9 Point ticket management list. There is also a management table 346 for the number of points issued, so the movement of the number of points issued can be grasped at a glance. The content item is today's total number of issues 347,
349 used today, 350 amortized today, 36 total issued this month
2, the number of uses 363 of this month, the number of depreciations 364 of this month, the total number of issues of 365 this year, the number of uses 366 of this year, the number of depreciations 367 of this year can be seen in the form of a list.

Further, for the convenience of members, there is a member point history database 34 of FIG. 19 in which the history of point use, donation, savings investment and surgical material height can be seen at a glance.
This table is also valuable member history data that can be greatly utilized as marketing data. The contents are dateless 851, supplier 852, supplier code 853, product name 854, manufacturer name 855, point input 856, point output and transfer (deposits, investments, etc.) 857, deduction by timeless bookkeeping Remaining 858, savings meter
859, there are currently 860 evaluations left. The current evaluation balance 860 is evaluated and displayed at the current price. This is on screen 861. It is convenient for members to see at a glance.

The embodiments of the present invention have been described in detail above with reference to the drawings. However, the specific configuration is not limited to this embodiment, and includes a design within a range not departing from the gist of the present invention. Be done.

Definition of Characters Publication as referred to in this patent specification is on a computer. In case of actual issuance, it will be defined again. What is a member?
This includes customers of operation centers, customers of member stores, and customers of other point management companies. Here, the center, the point issuing management operation center, and the company have the same contents.

【The invention's effect】

Activation of shopping streets, distribution businesses, and service businesses that join. Expansion of selection range Increasing the use value of points, expanding convenience, issuing special benefits (points) mainly when purchasing products and services, not in a narrow distribution range of a specific shop, company, organization, etc. It is a point issuance management luck system that manages companies and organizations as if they were in a market with mutual cooperation. . By purchasing points, small shops, companies, and online shops can use the point issuing management system as much as necessary. The acquired points can be used as a payment method for goods, services, donations, and content usage, which is diverse.

[0070]

[Brief description of drawings]

FIG. 1 Overall configuration block diagram

[Figure 2] Point operation management system block diagram

[Figure 3] Member registration management processing unit

[Figure 4] Member registration

[Figure 5] Member registration rank processing

[Figure 6] Point issuance management operation processing unit

[Figure 7] Point issue flow / Point history data flow

[Figure 8] Virtual display point card

[Figure 9] Claim list for point ticket management

[Figure 10] Management processing for member companies and other point management companies

[Figure 11] Block diagram of point use (purchase), savings, and donation processing

[Figure 12] Product service use / purchase processing flow

[Figure 13] Savings investment flow

[Figure 14] Schematic diagram of collective savings investment

[Fig.15] Account diagram for one-to-one correspondence with financial institutions

[Figure 16] Transfer system within a financial institution

[Fig.17] List of donating organization members

[Figure 18] Flow chart when making a donation

[Figure 19] Customer point history database

[0071]

[Explanation of symbols]

07 Donation organization member 08 External certification body 33 Member Database 34 Member point history database 201 image data 202 music data 255 Affiliation data addition

─────────────────────────────────────────────────── ─── Continuation of front page (51) Int.Cl. ⁷ Identification code FI theme code (reference) G06F 17/60 G06F 17/60 410G ZEC ZEC G07G 1/12 321 G07G 1/12 321M 321N

Claims (34)

[Claims] 1. A system for issuing and managing points, wherein a computer manages a member, and member data input means for inputting member data to a member management means and a computer, or member data to a computer via a network. A means for inputting and a computer for registering the entered member data, a member database for accumulating the registered member data, and a rank assigning means for the computer to judge the registered data and give a rank. Authentication means for authenticating a person of a specific rank to which the user is assigned, or external authentication means for authenticating a person of a specific rank to which the computer is assigned that rank via a network A message that automatically sends specified data to people of rank. Le automatic sending means and the computer,
A point issuance management management system, characterized in that the system is provided with means for connecting to a member point history database and reading accumulated data. 2. A method of issuing and managing points, the step of managing membership by a computer, the step of inputting membership data to the computer, or
The step of inputting the member data to the computer via the network, the step of registering the input member data by the computer, the step of registering the registered member data by the computer and the step of judging the registered data by the computer, and giving the rank. And further, the step of authenticating a person of a specific rank to which the computer is assigned, or the step of externally authenticating the person of a specific rank to which the computer is assigned via the network. And a step of automatically sending an e-mail of predetermined specific data to a person of each rank to which the computer is attached, and a step of connecting the computer to the member point history database and reading the accumulated data. Point issuance management management method 3. A program for issuing and managing points, the step of managing membership by a computer, the step of inputting membership data to the computer, or
The step of inputting the member data to the computer via the network, the step of registering the input member data by the computer, the step of registering the registered member data by the computer and the step of judging the registered data by the computer, and giving the rank. And further, the step of authenticating a person of a specific rank to which the computer is assigned, or the step of externally authenticating the person of a specific rank to which the computer is assigned via the network. The points effective for executing the step of automatically sending the mail of the specified specific data to the person with each rank given the computer and the step of the computer connecting to the member point history database and reading the accumulated data Management operation program. 4. When the computer issues points,
The ID assigning means for assigning an ID, and the ID, the computer assigns one ID per point, and the ID assigning means for assigning one ID to the computer. Serial number giving means and computer for giving serial number, issue date data giving means for giving issue date data Computer, expiration date data giving means for giving expiration date data Computer gives delivery date data, delivery date data Assigning means The computer assigns the delivery destination data to the affiliated data attaching means and the computer assigns and issues the ID, the issue date, the expiration date, the delivery date, and the delivery destination, the point issuing means and the daily point issuance number. The point issue recording means for recording, the accumulating data and the number of points issued when the points are issued, Point issuing fulfillment system characterized by comprising a preparative issuing management database. 5. When the computer issues points,
The ID assigning step of assigning an ID, and further, the ID is 1I for which the computer assigns 1 ID per point.
The D assigning step and further the computer
Serial number giving step to issue 1 point one by one and serial number giving step and computer giving issue date data Issue date data giving step Computer giving expiration date giving step expiration data giving step Computer attaches delivery date data, delivery date data assignment step Computer attaches delivery destination data Affiliation data assignment step and computer assigns and issues the ID, issue date, expiration date, delivery date, delivery destination Record the point issuance step and the daily number of points issued.
A point issuance management operation method, comprising: a point issuance recording step; and a point issuance management database for accumulating the number of issued points and the number of points issued when the points are issued. 6. When the computer issues points,
The ID assigning step of assigning an ID, and further, the ID is 1I for which the computer assigns 1 ID per point.
The D assigning step and further the computer
Serial number giving step to issue 1 point one by one and serial number giving step and computer giving issue date data Issue date data giving step Computer giving expiration date giving step expiration data giving step Computer attaches delivery date data, delivery date data assignment step Computer attaches delivery destination data Affiliation data assignment step and computer assigns and issues the ID, issue date, expiration date, delivery date, delivery destination Record the point issuance step and the daily number of points issued.
A point issuance management operation program for executing a point issuance recording step and the means for accumulating the award data and the number of issues when the points are issued. 7. The point issuing means further inputs an image for point, a moving image, a logo, a message to a computer, a content inputting means, and a affiliation destination inputting means for inputting an affiliation destination of the content to a computer. And a affiliation destination, when the content accumulation database computer issues points, the data is read from the content accumulation database, the content and affiliation destination are selectively assigned and issued, and the point issuing means,
5. The point issuance / management operation system according to claim 4, further comprising point issuance management database storage means for accumulating point issuance in a point issuance management database. 8. The issuing means further inputs voice and music to the computer, the voice input means and the computer,
The voice affiliation input means for inputting the affiliation of the voice and the music, the voice and music, and the voice storage database when the computer issues points, the data is read from the voice storage database and the voice and the affiliation are selected. 8. The point issuance / management system according to claim 4, further comprising: a point issuance means for giving and issuing, and a point issuance management database storage means for accumulating the point issuance in a point issuance management database. . 9. A use date data recording means and a computer, wherein a computer records the date when a point is given to a member, and a computer records a date when a member uses the point. But,
The content recording means and the computer for recording the content of the points used for the points, the amortization date data recording means for recording the date when the points to the member are amortized, and the above, the grant date, the date of use, the content of use, Claim 4 and claim 7, characterized in that the recording of the depreciation date comprises means for the computer to automatically record the issued points when they occur.
And the point issuing and management system according to claim 8. 10. A time series list display means computer for displaying a list of the data read by the computer from the point issuance management database in the point issuance management table and the data read by the computer in time series based on the issue date. 5. The point issuance / management operation according to claim 4, further comprising: a market circulation remaining number grasping means for obtaining the number of remaining points by subtracting the number of points depreciated from the total number of points issued for each read date and time. system. 11. A member store management database computer for inputting point sale price, wholesale sale rate setting data, purchase rate setting data of exchange rate with other companies to the computer, storing exchange rate input means and the input data. , The member store management database that reads and calculates the member store management database and issues the points to the member store and the computer that reads and calculates the member store management database and issues the points to the member store when issued to another point system One-way exchange of points to points of other point management companies, one-way exchange of issued points of other point management companies to own points, point exchange management means and computer for mutual exchange with other companies, the above-mentioned member Read the store management database, calculate,
A member store that purchases and purchases once issued points from a member store, purchase purchase means and the above-mentioned, sale price, sale wholesale rate, exchange rate, purchase rate, management data, member store transactions, transactions of other point operating companies The point issue and management operation system according to claim 1 or 4, further comprising a management database. 12. A member store management database computer for inputting point sale price, wholesale sale rate setting data, purchase rate setting data of exchange rate with other companies, storing the input data in the exchange rate input step. , The member store management database is read and calculated, and points are issued to the member store. The member store sale processing step and the computer, which reads and calculates the member store management database, is issued in-house when connecting with another point system. One-way exchange of points to points of other point management companies, one-way exchange of points issued by other point management companies to own points, point exchange management steps and computer for mutual exchange with other companies The store management database is read and calculated, and the points issued once are joined by member stores. From the purchase purchase step and the computer stores the sale price, the wholesale sale rate, the exchange rate, the purchase rate, the management data, the member store transaction, and the member store management database that records the transactions of other companies' point management companies. The point issuance management operation method according to claim 2 or 5, characterized in that the method is provided. 13. A member store management database computer for inputting point sale price, wholesale sale rate setting data, purchase rate setting data of exchange rate with other companies to the computer, accumulating the input data in the exchange rate input step. , The member store management database is read and calculated, and points are issued to the member store. The member store sale processing step and the computer, which reads and calculates the member store management database, is issued in-house when connecting with another point system. One-way exchange of points to points of other point management companies, one-way exchange of points issued by other point management companies to own points, point exchange management steps and computer for mutual exchange with other companies The store management database is read and calculated, and the points issued once are joined by member stores. From the purchase purchase step and the computer stores the sale price, the wholesale sale rate, the exchange rate, the purchase rate, the management data, the member store transaction, and the member store management database that records the transactions of other companies' point management companies. The point issuance management management program according to claim 3 or claim 6, which is executed. 14. A computer depreciates points used by its own members, a means for depreciating company member points and points used by member members, a member member point depreciation means, and a computer depreciating purchase points, and means for deducting purchase points. 5. The computer according to claim 4, wherein the computer comprises exchange point amortization means for amortizing the issued points exchanged with the point operating company, and the computer comprises an issued balance management means for deducting the amortized balance from the total issued balance and recording the remaining balance. A point issuance and management operation system according to claim 7. 15. A computer confirms a customer confirmation step using a customer database when a member purchases a product / service, and a rank confirmation step for confirming the rank in the case of a customer, and further, at the time of purchase. Point use confirmation step of whether or not to use points Further, when purchasing a product or service with points, a point-granting judgment step in which points are not granted and a customer who satisfies the above conditions is given points for purchasing a product or service. Point issuance management operation method characterized by a point giving step for storing and a step of accumulating points in a customer point history database 16. A computer confirming means for confirming whether or not a customer is a customer using a customer database when a member purchases a merchandise service, and a rank confirming means for confirming a rank in the case of a customer, and further, at the time of purchase. Point use confirmation means of whether or not to use points.In addition, when purchasing a product or service with points, a point-giving judgment means that does not give points and a customer who satisfies the above conditions are given points for the purchase of goods or services. A point issuance management and operation system characterized by a point granting means for storing points and means for accumulating points in a customer point history database. 17. A method for using points in a system for using points, the means by which a selected service is input to a computer via a network, and the computer points goods and services based on the selected content. The product, service purchase means or point donation means, point donation means or point saving means for converting points into cash and saving investment, and displaying and executing the point saving investment means on a computer. Issuing points, characterized by having a screen display means for accumulating history of product service use, point donation, point saving investment, reading history database and history database, and displaying product service use, point donation, point saving investment Management system. 18. A method for using points, wherein the use of points is selected, and the step in which the selected service is input to the computer via the network, and the computer points the goods or services based on the selected content. To purchase the product or service, or to donate points, to donate points, to convert points into cash, to invest in savings, to obtain and display the points savings investment step on a computer, and to display and execute it. Issuing points, characterized by having a screen display step for reading the history database and history database for accumulating the history of the product service use, point donation, point savings investment, and displaying the product service use, point donation, point savings investment management営方 method. 19. The use of points in a program for the use of points is selected, and the step in which the selected service is input to the computer via the network and the computer selects the goods or services based on the selected content. A point use means for acquiring, displaying and executing a product, a service purchasing step purchased by points, a point donation step, a point donation step, or a point investment investment step by converting points into cash Stores the history of product service use, point donation, point savings investment, reads history database and history database, and executes screen display step to display product service use, point donation, point savings investment Professional Lamb. 20. A computer manages a point use history of a member, a point history management unit and a computer accumulates and manages a member point use history, a point use accumulation management database and the point history management unit,
Furthermore, as a means for accumulating points, a list notation means and, in addition, calculating the balance of investment, investment balance and present value, and collectively managing, point history, savings, collective investment management means and members A point issuance management operation system characterized by having a confirmation means for confirming the current balance and history. 21. A computer manages a point use history of a member, a point history management step, a computer accumulates and manages a member point use history, a point use accumulation management database and the point history management means further include points. Listed as a means of storing,
In addition to the list notation step, save, calculate the investment balance and present value and manage them collectively, point history, savings,
A point issuance management operation method characterized by having a collective investment management step and a confirmation step for members to check the current amount and history of their points. 22. A computer manages a member's point use history, a point history management step, and a computer accumulates and manages a member's point use history. The point use accumulation management database and the point history management means further include points. Listed as a means of storing,
In addition to the list notation step, save, calculate the investment balance and present value and manage them collectively, point history, savings,
A point issuance management operation program that executes the step of collective investment management and the step of confirmation that members check the current amount and history of their points. 23. The list management means is a means for collectively displaying date, product name, withdrawal / receipt of points, current amount of points, total savings investment, current total evaluation balance at the time of cashing, and history of use. Are displayed in chronological order, and the time-series display means and the collective notation means calculate and collectively manage savings and investment balance and present value. Claim 1, claim 4, claim 11, claim 14, claim 12, characterized by having a partner display means for linking to a home page and displaying the partner
20 points issuing management system. 24. The list management means collectively displays the date, product name, withdrawal / receipt of points, current amount of points, total savings investment, current total evaluation balance at the time of cashing, and history of use. Are displayed in chronological order, in addition to the time-series display step, the collective notation means calculates and calculates the balance of the savings, investment balance and present value, and manages them collectively. The method for issuing and managing points according to claim 2, claim 5, claim 12, claim 15, or claim 21, further comprising a step of displaying the partner linked to a home page and displaying the partner. 25. The computer uses the list management means to collectively display the date, product name, withdrawal / receipt of points, current amount of points, total savings investment, and current total evaluation balance when cashed. The time series display step in which the history of is displayed in chronological order, and further, the collective notation means calculates and collectively manages the balance of the savings, the investment and the present value, the collective management step, and further, when the partner is selected, The step of displaying the other party by linking to the other party's homepage and displaying the other party, claim 3, claim 6, claim 13,
The issue management point management program according to claim 16 or claim 22. 26. The point savings investment means according to claim 17, wherein the financial institution display means for displaying a financial institution selected by a financial member from a menu via a network, and a financial product of the displayed financial institution are displayed on the screen. Display and select the financial product display selection means, and further the deposit amount input means for inputting the amount of money to purchase for the selected product and the purchase of point members all at once, and carry out the purchase procedure to the financial institution in the name of the agent 18. A means for collectively managing the means for taking and purchased financial products in an account in the name of an agent, a means for collectively managing accounts, and a means for displaying a screen for the collectively managed accounts, and a means for collectively managing accounts screen display. The point issuance management management system according to claim 20, claim 23. 27. The point saving investment step according to claim 10, wherein a financial institution display step for displaying a financial institution selected by a financial member from a menu via a network, and a screen for a financial product of the displayed financial institution. The financial product display selection step of displaying and selecting, and the deposit amount input step of inputting the amount of money to purchase for the selected product and the computer collectively collect the point member's purchase to the financial institution in the name of the center. The method further comprises a step of performing a purchase procedure, a batch management account step for managing the purchased financial products in an agent account, a batch management account screen display step, and a batch management account screen display step. 18, the point issue management management method according to claim 21 and claim 24. 28. The point saving investment step according to claim 10, wherein a financial institution display step for displaying a financial institution selected by a financial member from a menu via a network, and a screen for a financial instrument of the displayed financial institution. The financial product display selection step of displaying and selecting, and the step of inputting the amount to purchase for the selected product and the step of depositing points and purchasing of point members collectively by the center and taking the purchase procedure to the financial institution under the name of the center Claims 19 and 22, wherein the step of collectively managing the financial instruments purchased with the agent account and the step of displaying the screen of the collective management account and the step of displaying the collective management account are executed. 25 points issue management management program. 29. A computer as an alternative to the collective management account screen display means according to claim 26, wherein the computer stores the history of point savings investment according to claim 17, and a data reading means and a computer for reading data from a history database. , Call agent's individual account data and member's individual investment data, call means and connect agent's collective investment account financial institution via network Call current valuation balance data reading means computer , A member equity allocation means computer that calculates and allocates the current valuation balance according to the member's equity, and a virtual display means for displaying on the individual investment market value valuation screen the investment financial institution as if each member's individual account actually exists. 27. A point issuance management management system according to claim 26, characterized in that 30. A computer as an alternative to the collective management account screen display means according to claim 27, wherein the computer stores a history of point savings investment according to claim 18, and a data reading step for reading data from a history database and the computer. Call the agent batch account data and individual investment data of the member, call step and computer, connect the financial institution of the agent batch investment account through the network, call read current valuation balance data, current valuation balance data Read step computer distributes and allocates current valuation balance according to member's equity,
28. The point issuance management operation method according to claim 27, further comprising a virtual display step of displaying to the investment financial institution that each member's account actually exists on the investment fair value evaluation screen of each member equity allocation step. 31. A computer as an alternative to the collective management account screen display means according to claim 28, wherein the computer stores a history of point savings investment according to claim 19, and a data reading step for reading data from a history database and the computer. Call the agent batch account data and individual investment data of the member, call step and computer, connect the financial institution of the agent batch investment account through the network, call read current valuation balance data, current valuation balance data Read step computer distributes and allocates current valuation balance according to member's equity,
29. The point issuance management management program according to claim 28, wherein the member equity allocation step performs a virtual display step of causing the investment financial institution to display on the individual investment market value evaluation screen as if the individual account of each member actually exists. 32. A rating popular vote determining means for determining a rating of a donating member by a popularity vote of points by a computer, and a voting for requiring a computer to donate points for validating a vote during a popularity vote. A point issuance management management system comprising: an effective donation means, and further a rating rank display means for causing a computer to display on screen the increase and ranking of voting results in real time. 33. A rating popular vote determining step in which a computer determines a rating of a donating member by a popularity vote of points, and further, a computer requires donation of points for validating the vote in the popularity vote, A point issuance management operation method comprising: an effective donation step; and a rating rank display step, in which a computer displays the increase and ranking of voting results in real time on a screen. 34. A step in which a computer decides the rating of a donating member by a popularity vote of points, and further, a step in which a popularity vote is determined, and further, it is necessary that the computer donate points for validating the vote in the popularity vote. A point issuance management operation program for executing an effective donation step and a rating ranking display step in which the computer displays the increase and ranking of the voting result on the screen in real time.