JP2006099444A - Point service management method and point service management program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a point service management method and a point service management program for promoting the point service use of transaction. <P>SOLUTION: This bank host system 20 executes processing to the account of a customer based on a transaction request received from a customer terminal 10. A management computer 31 of a point management system 30 acquires the transaction history information (first transaction volume) in the predetermined period of a user and the attribute information of the user in response to the processing. The management computer 31 acquires the transaction history (second transaction volume) of the other user having the same attribute information as the attribute information, and calculates point magnification based on the first transaction volume and the second transaction quantity. The management computer 31 calculates the number of points to be provided to the user by using reference point generation data recorded in a point master data storing part 32 and the point magnification. The management computer 31 stores the calculated number of provision points to a customer point data storing part 33. <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

  The present invention relates to a point service management method and a point service management program.

  Today, various efforts are being made to promote sales while continuing transactions with customers. For example, a point service that can be used in the same way as cash at a store for a customer who has purchased a product is provided. In this service, by providing points to a customer, the customer can be prompted to conduct another transaction. Furthermore, a technique relating to a point management system for providing this service in a financial institution such as a bank that handles financial products is disclosed (for example, see Patent Document 1).

The point management system described in Patent Literature 1 includes a customer ledger that registers a transaction account associated with a specific customer, and a balance point generation unit that converts the balance of the transaction account into points using a predetermined conversion method. When an application for a transaction is accepted from a customer, the attribute or transaction volume of the transaction is converted into points using a predetermined conversion method. Then, the generated balance points and transaction points are aggregated and associated with the customer and accumulated in the customer ledger. When a point usage instruction accompanying a transaction application from a customer is received, a predetermined number of points corresponding to the transaction related to the application are subtracted from the customer ledger. Thereby, various preferential evaluations can be executed according to the attributes of various bank transactions, and the evaluations for each of these transactions can be integrated and applied to preferential treatments for other transactions.
JP 2004-164030 A (first page)

  In the point management system of the above-mentioned patent document 1, the customer is provided with points obtained by calculating a transaction attribute or transaction volume by a predetermined conversion method, thereby improving customer convenience. However, the relationship with the customer is not evaluated only by the absolute amount such as the transaction amount. That is, it may be more appropriate to determine a customer's evaluation relatively based on comparison with other customers. However, such a concept is not disclosed in Patent Document 1 described above. In particular, even for customers with a small transaction volume, there is a need to maintain a relationship according to the evaluation for a customer who can expect an increase in the transaction volume in the future. By strengthening such relationships with customers, it is possible to promote sales according to the customer's situation.

  The present invention has been made to solve the above-described problems, and an object of the present invention is to provide a point service management method and a point service management program capable of promoting sales according to the customer's situation. .

In order to solve the above-mentioned problems, the invention described in claim 1 includes a point master data storage unit that records a pattern for assigning points, a point data storage unit that records the number of points for each user, and a user A method for managing points by using transaction status data storage means for recording a transaction status every time, attribute information data storage means for recording user attribute information, and a management computer, wherein the management computer uses When receiving a transaction notification with the user, the identification step of identifying the attribute information of the user from the attribute information data storage means, and other uses having the attribute information specified using the attribute information data storage means Identifying a user, extracting the transaction status of these users from the transaction status data storage means, and calculating a statistical value based on the transaction status; and Point calculation stage for calculating the number of points based on the comparison between the transaction status of the user and the statistical value using the master data storage means, and the calculated point number as the point to be provided to the user And a recording step of recording in the point data storage means.

  According to a second aspect of the present invention, in the point service management method according to the first aspect, the point data storage unit stores an expiration date associated with the point of the user, and the management computer A re-extraction step for re-acquiring the transaction status of the user from the transaction status data storage means when the expiration date of the user's points recorded in the point data storage means has arrived, and the validity of the points The attribute information of the user at the time of the expiration date is specified from the attribute information data storage means, and the transaction status of another user having the specified attribute information is extracted from the transaction status data storage means. Comparing the statistical value based on the transaction status of the reacquired user and determining whether or not the point can be extended, and extending the point As determined calculates a new expiration date of this point, and summarized in that the expiration date, further comprising an updating recording step of recording said point data storage means.

  The invention according to claim 3 is the point service management method according to claim 1 or 2, wherein the attribute information of the user is an attribute of the user that changes with time.

  The invention according to claim 4 is a point master data storage means for recording a pattern for giving points, a point data storage means for recording the number of points for each user, and a transaction situation for which a transaction situation is recorded for each user. A program for managing points by using data storage means, attribute information data storage means for recording user attribute information, and a management computer, wherein the management computer receives a transaction notice with the user In this case, the specifying means for specifying the attribute information of the user from the attribute information data storage means, the other users having the attribute information specified using the attribute information data storage means are specified, and the transactions of these users are specified. Means for extracting a situation from the transaction situation data storage means and calculating a statistical value based on the transaction situation; and the point master data storage means Use the point calculation means for calculating the number of points based on the comparison between the transaction status of the user and the statistical value, and record the calculated number of points in the point data storage means as a point to be provided to the user The gist is to function as a recording means.

  According to a fifth aspect of the present invention, in the point service management program according to the fourth aspect, the point data storage means stores an expiration date associated with the point of the user, and the management computer Re-extracting means for re-acquiring the transaction status of the user from the transaction status data storage means when the expiration date of the user's points recorded in the point data storage means has arrived, the expiration date of the points The attribute information of the user at the time of arrival is specified from the attribute information data storage means, and the transaction status of other users having the specified attribute information is extracted from the transaction status data storage means, and based on this transaction status Means for comparing the statistical value with the re-acquired transaction status of the user to determine whether or not to extend the point; and point When determining the extension calculates the new expiration date of this point, is summarized in that to the expiration date further functions as an update recording means for recording said point data storage means.

  The invention according to claim 6 is the point service management program according to claim 4 or 5, wherein the attribute information of the user is an attribute of the user that changes with time.

(Function)
According to the first or fourth aspect of the invention, when the management computer receives a transaction notification with a user, the management computer extracts the attribute information of the user. The management computer extracts the transaction status of other users having the extracted attribute information, calculates a statistical value using the transaction status, and obtains points based on the comparison between the transaction of the user and the total value. The number of points is calculated according to the pattern to be given. The transaction status usually varies depending on the user group, such as young and mature. Therefore, by comparing the transaction status of the user with the transaction status of another user having the same attribute, the number of points can be calculated in consideration of the position in the user layer. Therefore, the user's transaction can be promoted by motivation to acquire more points.

  According to the invention described in claim 2 or 5, the management computer, the statistical value according to the attribute information of the user when the expiration date has passed since the point of provision, and the transaction status of the user To determine the extension of points. Therefore, it is possible to extend the expiration date of points in consideration of the user's position in the user group by comparing the transaction status of the user when the expiration date arrives with the transaction status of other users who have the same attributes Thus, the use of the user's transaction after the provision of points can be promoted.

  According to the third or sixth aspect of the present invention, the user attribute information is an attribute of the user that changes with time. For this reason, there is a time lag between when the point is provided and when the expiration date comes, so even when the attribute information about the user changes with time, such as the age of the user, The user base corresponding to it can be specified appropriately. Therefore, whether or not the points can be extended can be determined based on the position of the user in the user layer.

  According to the present invention, it is possible to promote transactions according to users.

DESCRIPTION OF EMBODIMENTS Hereinafter, embodiments embodying the present invention will be described with reference to FIGS. In this embodiment, it is assumed that points are provided for services provided by a bank.
As shown in FIG. 1, the bank host system 20 is connected to the customer terminal 10 via the Internet I. The customer terminal 10 is a terminal for the customer himself / herself to conduct a transaction with a bank, and corresponds to a mobile phone terminal of the customer, for example. In this case, the customer connects the customer terminal 10 to the bank host system 20 via the Internet I, and performs banking transaction processing using the customer terminal 10.

  The bank host system 20 is a system that performs banking processing based on the request received from the customer terminal 10. The bank host system 20 includes a customer data storage unit 21 as attribute information data storage means and a transaction history data storage unit 22 as transaction status data storage means.

  The customer data storage unit 21 stores customer data related to customers. This customer data is recorded when a customer account is opened for the first time. This customer data includes data relating to customer identifiers, customer names, customer attributes, customer account identifiers and account balances. Customer identifier data is data relating to an identifier for identifying a customer. Customer name data is data relating to the name of the customer. Customer attribute data is data relating to customer attributes, such as customer age and sex. The customer account identifier data is data relating to an identifier for specifying a customer account, and includes a branch name, a deposit item, and an account number. The account balance data is data relating to the customer's account balance.

  In the transaction history data storage unit 22, transaction history data relating to a customer account opened in a bank is recorded as a transaction status. This transaction history data is recorded in the transaction history data storage unit 22 when the bank host system 20 performs a transaction process using an account. Specifically, the transaction history data includes deposit / withdrawal history data relating to deposits and withdrawals to / from customer accounts. This deposit / withdrawal history data is configured by associating data related to account identifiers, transaction dates, transaction amounts, supplier names, and descriptions. Here, the account identifier is an identifier for identifying the account in which the deposit / withdrawal was performed. The transaction date is the date on which transactions such as deposits and withdrawals occurred. The transaction amount is the amount deposited into this deposit account or the amount withdrawn from this account. The business partner name is the name of the transfer destination for deposit or withdrawal. The summary includes data related to transaction details regarding deposits or withdrawals. For example, in the case of pay transfer or pension transfer to this account, data indicating transaction details such as “salary” and “pension” is recorded as a summary. In addition, in the case of automatic withdrawal such as electricity charges and telephone charges, data indicating transaction details such as “electric charges” and “telephone charges” is recorded as a summary.

  The transaction history data also includes data related to the customer's purchase history related to foreign currency deposits and investment trusts, accumulation and property, mortgage and card loans, debit card usage history, and safe deposit contract history. These transaction history data are also configured to include data relating to the transaction date, transaction type, and transaction amount in association with the account identifier.

  Further, the bank host system 20 is connected to a point management system 30 that manages points provided to customers. The point management system 30 includes a management computer 31. The management computer 31 is connected to a point master data storage unit 32 as a point master data storage unit, a customer point data storage unit 33 and a point exercise data storage unit 34 as point data storage units. This management computer 31 has a CPU, RAM, ROM, etc. (not shown), and will be described later (a specific stage, a stage for calculating a statistical value, a point calculation stage, a recording stage, a re-extraction stage, a stage for determining whether extension is possible, and Process including update recording stage). Then, by executing the point service management program for this purpose, the management computer 31 allows the specifying means, the means for calculating the statistical value, the point calculating means, the recording means, the re-extracting means, the means for determining whether or not to extend, and the update record It functions as a means.

  Here, when the notification means receives a transaction notification with the user, the specifying means specifies the attribute information of the user from the attribute information data storage means. The means for calculating the statistical value specifies other users having the attribute information specified by using the attribute information data storage means, extracts the transaction status of these users from the transaction status data storage means, Statistical values are calculated based on the situation. The point calculation means uses the point master data storage means to calculate the number of points based on a comparison between the transaction status of the user and the statistical value. The recording unit records the calculated number of points in the point data storage unit as a point to be provided to the user. The re-extracting means re-acquires the transaction status of the user from the transaction status data storage means when the expiration date of the user's points recorded in the point data storage means has come. The means for determining whether or not the extension can be extended specifies the attribute information of the user at the time of expiration of the point from the attribute information data storage means, and determines the transaction status of other users having the specified attribute information It is extracted from the situation data storage means, and the statistical value based on the transaction status is compared with the re-acquired user transaction status to determine whether or not the points can be extended. When the update recording means decides to extend the point, it calculates a new expiration date for this point and records this expiration date in the point data storage means.

In the point master data storage unit 32, point master data 320 relating to points is recorded as shown in FIG. The point master data 320 includes reference point calculation data 321, bonus magnification calculation function data 322, and extension period data 323.

  In the reference point calculation data 321, data relating to a transaction type and a reference point calculation function provided to the user correspondingly is recorded. That is, the reference point calculation data 321 is data on a pattern for calculating a reference point used for point provision. Then, the management computer 31 uses the reference point calculation data 321 to calculate points corresponding to the transaction type. For example, “1” points are recorded as the reference point calculation function for the transaction type “salary transfer”. In this case, if there is a salary transfer, “1 point” is provided for each transfer. Further, in the transaction type “card loan”, “loan amount / 100,000 yen” points are recorded as a reference point calculation function. In this case, if a loan is used, points (1 point for every 100,000 yen) are provided according to the loan amount.

  The bonus magnification calculation function data 322 is function data for calculating a magnification used for determining bonus points to be provided to the user. That is, the bonus magnification calculation function data 322 is data on a pattern for calculating a bonus magnification used for giving points. In this embodiment, when a user uses transaction processing more than other users having the same attribute, the number of points obtained by multiplying the reference point number provided according to the use by a predetermined magnification is Provided as bonus points. In the present embodiment, specifically, as a bonus magnification calculation function, the total value of the number of transactions included in the user's transaction history is used as a transaction of another user having the same attribute (here, age) as that user. Use a function that divides by the average total number of transactions included in the history.

  In the extension period data 323, data on transaction conditions and an extension period for extending the expiration date of the provided points is recorded. Then, the management computer 31 uses the extension period data 323 to calculate the extension deadline corresponding to the transaction conditions.

  The transaction condition data area includes a transaction type and an amount as conditions for determining the extension period. For example, the data for calculating the extension period of points is recorded as “3 months” as the extension period for “execution of reserve deposit of 1 million yen or more within half a year” as the condition for the reserve deposit Yes.

  On the other hand, as shown in FIG. 3, customer point data 330 relating to points held by the customer is recorded in the customer point data storage unit 33. This customer point data 330 is recorded and updated when the bank host system 20 performs transaction processing. The customer point data 330 includes data relating to a customer identifier, a transaction identifier, the number of points, and an expiration date.

In the customer identifier data area, data relating to an identifier for identifying the customer who provided the points is recorded.
In the transaction identifier data area, data relating to an identifier for specifying the transaction that has provided this point is recorded.

  In the point number data area, data relating to the available point balance among the points provided to the customer is recorded. The initial value of the number of points is the number of points provided by the transaction process. When the customer uses points, the number of points in the customer point data 330 is subtracted according to the number of points used. When the number of points becomes “0”, all the number of points recorded in the customer point data 330 is used.

In the expiration date data area, data related to the expiration date of the points provided in this transaction is recorded.
On the other hand, although not shown in the figure, the point exercise data storage unit 34 stores point exercise data relating to conditions when the customer uses (executes) points. Specifically, the point exercise data includes data relating to the point exercise target classification, exercise unit, and exercise content.

  In the point exercise target classification data area, classification data relating to an identifier for specifying the point exercise target is recorded. In this embodiment, “classification name” is used as an identifier. Specifically, “fee preferential treatment”, “premium” or the like is used. In the exercise unit data area, data relating to a unit necessary for exercising points is recorded. Specifically, “100 points”, “200 points”, and the like. In the exercise content data area, data relating to the content of profits received by the customer when exercising points is recorded. In the present embodiment, by exercising points, it is possible to receive interest rate preferential treatment, commission discounts, and prizes. For example, in the case of “interest rate preferential treatment”, “0.1% interest rate preferential treatment” is recorded as the exercise content for the exercise unit “200 points”. In the case of “fee preferential treatment”, “500 yen discount” is recorded as the exercise content for the exercise unit “100 points”.

  Next, the processing procedure of the point service management system in this embodiment will be described with reference to FIGS. In this embodiment, a point registration process, a point use process, and an expiration date extension process will be described in this order.

(Point registration process)
First, the point registration process in the management computer 31 will be described with reference to FIG. A user who uses this point service management system uses the customer terminal 10 to make a transaction request such as “transfer”. In this case, the customer terminal 10 transmits the “transfer” transaction request and the user's account number and password to the bank host system 20.

  When the bank host system 20 completes the user authentication based on the received customer account number and password, the bank host system 20 requests the customer terminal 10 for transaction detail data for processing (here, “transfer”).

  The customer terminal 10 transmits transaction detail data for processing to the bank host system 20 in response to a request from the bank host system 20. The transaction detail data includes data relating to the transfer destination account and the transfer amount.

  The bank host system 20 executes processing based on the transaction detail data received from the customer terminal 10. At this time, the bank host system 20 deducts the total amount of the amount according to the transfer and the transfer fee from the balance of the target customer account from the customer's transfer account.

  And the bank host system 20 records the data regarding the process performed based on the process request from the customer terminal 10 in the transaction history data storage part 22. FIG. Specifically, the bank host system 20 records the deposit / withdrawal history data for the account of the customer to be traded based on the received transaction detail data. Further, the bank host system 20 assigns a transaction identifier for specifying the transaction. This transaction identifier is an identifier for specifying a transaction.

  Next, the bank host system 20 that has performed the transaction processing transmits transaction notification data to the point management system 30. This transaction notification data includes data relating to the transaction identifier, transaction type, transaction amount, and customer identifier for which transaction processing has been performed. Here, transaction types include “salary transfer” and “pension transfer”.

  And the management computer 31 of the point management system 30 receives transaction notification data (step S1-1). This transaction notification data is used to calculate the points that the management computer 31 provides to the customer.

  Next, the management computer 31 obtains user transaction history information (first transaction volume) (step S1-2). Specifically, the management computer 31 acquires the transaction history of the user in the past predetermined period (for example, the past one month) from the transaction history data storage unit 22 based on the received customer identifier. Here, the number of specific transaction types included in the transaction history data of the user in a predetermined period (for example, the past six months) is acquired as the first transaction amount.

  Then, the management computer 31 acquires the attribute information of the user (Step S1-3). Specifically, user attribute information data (here, user age data) is acquired from the customer data storage unit 21 based on the user identifier.

  Next, the management computer 31 acquires the average transaction history (second transaction volume) of other users having the same attribute information as the acquired user attribute information (step S1-4). Specifically, the management computer 31 extracts customer data of other customers of the same age as the acquired user's age. Based on the customer identifier of the extracted customer data, the number of specific transaction types included in the transaction history data for each user (other customers) in the past predetermined period (for example, the past six months) is calculated, Get the total count. By dividing this total count by the number of extracted users (other customers), the average transaction history (second transaction volume) of other users having the same attribute information is acquired as a statistical value.

  Furthermore, the management computer 31 determines the number of points based on the first transaction amount and the second transaction amount (step S1-5). Here, first, the management computer 31 uses the bonus magnification calculation function data 322 to calculate the bonus magnification. Specifically, a bonus magnification obtained by dividing the first transaction amount by the second transaction amount is calculated.

  Next, the management computer 31 specifies reference point calculation data 321 for calculating the number of points based on the transaction type received from the bank host system 20. Then, the management computer 31 calculates the reference point number using the reference point number generation function of the specified reference point calculation data 321 and the transaction amount included in the received transaction notification data.

  Then, the management computer 31 calculates the number of points to be provided to the user by multiplying the calculated bonus magnification by the calculated reference point number. In the present embodiment, when the calculated number of points includes a fractional part, the rounded up value is calculated as the number of points.

  Next, the management computer 31 registers the calculated number of points provided by the user (step S1-6). Specifically, first, the management computer 31 calculates an expiration date based on the current date and a predetermined effective period. Then, the management computer 31 records the received customer identifier, transaction identifier, calculated number of provided points, and data regarding the expiration date in the customer point data storage unit 33. Thus, the point registration process is completed.

(Point usage processing)
Next, point use processing in which a user uses his / her points will be described below. In this case, the user confirms his / her possession points. Specifically, the user connects the customer terminal 10 to the point management system 30 via the bank host system 20. Then, the customer terminal 10 transmits the customer identifier of the user to the point management system 30 in order to confirm the user's usage point.

  The point management system 30 calculates the total value of the number of points provided to the user and transmits it to the customer terminal 10. Specifically, the management computer 31 extracts the customer point data 330 from the customer point data storage unit 33 based on the received customer identifier of the user. Next, the management computer 31 specifies the customer point data 330 whose recorded point balance is not “0” from the extracted customer point data 330 and whose expiration date has not expired. Then, the management computer 31 adds up all the points of the identified customer point data 330 to calculate a total value of points. Then, the point management system 30 transmits notification data including the total value of the user's points to the customer terminal 10 via the bank host system 20.

  The customer terminal 10 that has received the notification data displays the total value of points held by the user. For example, a message such as “Available points are XX” is displayed on the screen. Thereby, the user can know the number of points that can be used by the user.

  Next, the user makes a processing request using his / her points. Here, it is assumed that the user uses “fee preferential treatment” which discounts 500 yen for the fee. Specifically, the user uses the customer terminal 10 to transmit a transfer request specifying the withdrawal account, the transfer destination account, and the transfer amount to the point management system 30. At this time, in order to use the points for the transfer fee, the user transmits a point use request including data relating to “fee preferential treatment” as the exercise content from the customer terminal 10.

  The bank host system 20 that has received the transfer request and the point use request requests the point management system 30 to perform point calculation processing. Specifically, the bank host system 20 transmits to the point management system 30 data related to the customer identifier and the details of the “transfer fee” exercise (here, “fee preferential treatment”).

  The management computer 31 of the point management system 30 calculates the number of available points for the received customer identifier data. Here, the management computer 31 extracts the customer point data 330 of the user whose expiration date has not passed and the point is not “0”. Then, the management computer 31 adds up the number of points of the extracted customer point data 330 to calculate the total value.

  Further, the management computer 31 acquires exercise unit data corresponding to the requested exercise content from the point exercise data storage unit 34. Then, the management computer 31 compares the total value of points held by the user with the exercise unit. When the total value of the user's points is larger than the exercise unit points, the management computer 31 updates the number of points in the customer point data 330 by subtracting the number of points to be used. In this case, the expiration dates are used in order. In other words, the management computer 31 sequentially subtracts the number of points of the customer point data 330 when one customer point data 330 is insufficient for the required number of points.

  Then, the management computer 31 that has finished the point subtraction process transmits a completion notification to the bank host system 20. In addition, when the number of possessed points is insufficient compared with the exercise unit of the exercise content requested by the user, a notice indicating that the points cannot be used is transmitted to the customer terminal 10 via the bank host system 20. In this case, the bank host system 20 executes transaction processing by deducting the fee from the customer's account.

  The bank host system 20 that has received the completion notification from the point management system 30 executes transaction processing in which the transfer fee is discounted based on the transfer request received from the customer terminal 10. Then, the bank host system 20 records data relating to this processing in the transaction history data storage unit 22.

(Expiration date extension process)
Next, the expiration date extension process in the management computer 31 will be described with reference to FIG. This expiration date extension process is executed when the expiration date of each point recorded in the customer point data 330 has arrived.

  Here, the management computer 31 determines whether or not the expiration date recorded in the customer point data 330 has come regularly (for example, every day) (step S2-1). Specifically, the management computer 31 determines the expiration date by comparing the expiration date of the customer point data 330 with the current date.

  When the expiration date has arrived (in the case of “YES” in step S2-1), the management computer 31 acquires data relating to the first transaction volume and the second transaction volume (step S2-2). Here, the management computer 31 first acquires transaction history data for the user for a predetermined period from the transaction history data storage unit 22 of the bank host system 20 based on the customer identifier of the customer point data 330. In the present embodiment, transaction history data for the past six months from the date when the expiration date comes is acquired. Next, the management computer 31 acquires transaction history data of a user having the same attribute information as the user's attribute information for a predetermined period, and calculates an average transaction amount (second transaction amount).

  Next, the management computer 31 determines whether or not the expiration date can be extended (step S2-3). In this embodiment, management is performed by comparing the transaction volume (first transaction volume) of the user acquired in step S2-2 in the predetermined period with the average transaction volume (second transaction volume) of other users. The computer 31 determines whether or not the expiration date can be extended. Specifically, when the user's transaction volume (first transaction volume) is larger than the second transaction volume, the management computer 31 executes a process for extending the expiration date. In this case, the transaction history data of this user is compared with the transaction conditions of the extended period data 323 recorded in the point master data storage unit 32.

  If there is a transaction history of the user corresponding to the transaction condition of the extension period data 323 (in the case of “YES” in step S2-3), the management computer 31 registers the extension of the expiration date. (Step S2-4).

  Specifically, the management computer 31 acquires an extension period corresponding thereto from the extension period data 323. Then, the management computer 31 calculates a new expiration date from the extended period acquired from the point master data storage unit 32 and the current date (point expiration date). The management computer 31 records the calculated expiration date data in the customer point data storage unit 33 as the new expiration date of the point.

  On the other hand, when the first transaction volume is smaller than the second transaction volume or when the transaction condition of the extended period data 323 is not included in the user transaction history data ("NO" in step S2-3) In this case, the expiration date of the customer point data 330 is not changed. Therefore, points that have expired and whose term has not been extended cannot be used.

According to this embodiment, the following effects can be obtained.
In this embodiment, when the management computer 31 receives transaction notification data with a user, the management computer 31 extracts the transaction history information (first transaction volume) of the user (step S1-2). The management computer 31 acquires user attribute information (step S1-3), and acquires the average transaction history (second transaction volume) of other users having this attribute information (step S1-4). The management computer 31 determines the number of points based on the first transaction amount and the second transaction amount (step S1-5), and registers the provided points for the determined number of points (step S1-6). The transaction situation varies depending on the user group, such as young and mature. For this reason, by comparing the transaction status of the user with the transaction status of another user having the same attribute, the number of points can be calculated while taking into account the positioning in the user layer. Therefore, the user's transaction can be promoted by the motivation of acquiring more points.

  In this embodiment, when the expiration date of the point provided to the user has arrived (in the case of “YES” in step S2-1), the management computer 31 has a transaction volume in the user's predetermined period at this time When the (first transaction volume) is larger than the average transaction volume (second transaction volume) of other users having the same attribute, the expiration date is extended (step S2-3). Therefore, since the points can be extended in consideration of the user's transaction history during the expiration date, the use of the user's transactions after providing the points can be promoted.

  -In this embodiment, the management computer 31 uses a user's age as a user's attribute information. For this reason, there is a time lag between when the point is provided and when the expiration date comes, so even when the attribute information about the user changes with time, such as the age of the user, The user base corresponding to it can be specified appropriately. Therefore, whether or not the points can be extended can be determined based on the position of the user in the user layer.

Moreover, you may change the said embodiment as follows.
In the above embodiment, the user age is used as the user attribute information. Not limited to this, other attribute information regarding the user may be used. In particular, if you use user attribute information that changes over time, such as how long the user has been working or how many years have passed since the opening of the account, such as when points are provided or when the expiration date comes, The attribute information may be different, and other target users may be different accordingly, and as a result, the total number of transactions of a specific transaction type in the target transaction history may be different. Accordingly, it is possible to set a more appropriate number of points and set an extension time limit in accordance with the user's temporally changing attribute. Therefore, the user's transaction can be promoted, and the business relationship with the user can be well maintained.

  Further, as the attribute information of the user, a range of the amount of money such as a deposit or a loan may be used as the attribute information of the user, or the preference and interest of the user may be used as the attribute information of the user. Furthermore, you may use an address area, sex, a job type, etc. Even in such a case, since the statistical value may change, the user layer to be compared at that time can be appropriately selected, and the user's transaction can be promoted.

  Furthermore, you may use the point master data storage part 32 which recorded the transaction condition according to a transaction channel as pattern data for providing a point. The trading channel used may vary depending on the age group. For example, even when using an automated teller machine, young people tend to use an automated teller machine installed in a convenience store, and middle-aged and elderly people use an automated teller machine installed in a bank store. In such a case, if more points are given to middle-aged users who use automated teller machines installed at convenience stores than other users, use of various channels should be promoted. Can do. Specifically, it obtains statistical values of the transaction status of users who want to trade in the same age group (for example, the average number of times an automated teller machine is used at a convenience store) and compares it with this statistical value. Is granted.

  ○ In the above embodiment, when the transaction history in the predetermined period of the user when the expiration date arrives has a transaction condition included in the extension period data 323, the expiration date of the point is extended (step S2-3). "YES"). Not limited to this, the management computer 31 determines whether or not the point can be extended by comparing the first transaction amount with the second transaction amount (statistical value) of another user having the same attribute as the user. It may be. Moreover, the management computer 31 may change the extension period of the point by comparing the first transaction amount and the second transaction amount. This also facilitates user transactions until the expiration date.

The system schematic of embodiment of this invention. Explanatory drawing of the data recorded on the point master data storage part. Explanatory drawing of the data recorded on the customer point data storage part. The flowchart of the process sequence of the point registration process of this embodiment. The flowchart of the process sequence of the expiration date extension process of this embodiment.

Explanation of symbols

  DESCRIPTION OF SYMBOLS 21 ... Customer data storage part as attribute information data storage means, 22 ... Transaction history data storage part as transaction history data storage means, 31 ... Management computer, 33 ... Customer point data storage part as point data storage means.

Claims (6)

Point master data storage means for recording a pattern for giving points, point data storage means for recording the number of points for each user, transaction status data storage means for recording the transaction status for each user, and user attributes A method of managing points using attribute information data storage means for recording information and a management computer,
The management computer is
When receiving a transaction notification with a user, a specific step of identifying the attribute information of the user from the attribute information data storage means;
Identify other users who have the attribute information specified using the attribute information data storage means, extract the transaction status of these users from the transaction status data storage means, and calculate the statistical value based on this transaction status And the stage of
Using the point master data storage means, a point calculation stage for calculating the number of points based on a comparison between the transaction status of the user and the statistical value;
A point service management method comprising: recording the calculated number of points in the point data storage means as a point to be provided to the user. The point data storage means stores an expiration date associated with the user's point,
The management computer is
A re-extraction step of re-acquiring the transaction status of the user from the transaction status data storage means when the expiration date of the user's points recorded in the point data storage means has arrived;
The attribute information of the user at the time of expiration of the point is specified from the attribute information data storage means, and the transaction status of other users having the specified attribute information is extracted from the transaction status data storage means, Comparing the statistical value based on the transaction status with the re-acquired user transaction status to determine whether or not to extend the point;
The update recording step of calculating a new expiration date of the point and recording the expiration date in the point data storage means when the extension of the point is determined is further provided. Point service management method.   The point service management method according to claim 1, wherein the attribute information of the user is an attribute of the user that changes with time. Point master data storage means for recording a pattern for giving points, point data storage means for recording the number of points for each user, transaction status data storage means for recording the transaction status for each user, and user attributes A program for managing points using attribute information data storage means for recording information and a management computer,
The management computer,
When receiving a transaction notification with a user, a specifying means for specifying the attribute information of the user from the attribute information data storage means,
Identify other users who have the attribute information specified using the attribute information data storage means, extract the transaction status of these users from the transaction status data storage means, and calculate the statistical value based on this transaction status Means to
Using the point master data storage means, the point calculation means for calculating the number of points based on the comparison between the transaction status of the user and the statistical value, and the calculated point number as points to be provided to the user A point service management program that functions as recording means for recording in the point data storage means. The point data storage means stores an expiration date associated with the user's point,
The management computer,
Re-extracting means for re-acquiring the transaction status of the user from the transaction status data storage means when the expiration date of the user's points recorded in the point data storage means has arrived;
The attribute information of the user at the time of expiration of the point is specified from the attribute information data storage means, and the transaction status of other users having the specified attribute information is extracted from the transaction status data storage means, The statistical value based on this transaction status is compared with the re-acquired transaction status of the user to determine whether or not to extend the point. 5. The point service management program according to claim 4, wherein the point service management program further functions as an update recording unit that calculates a valid expiration date and records the expiration date in the point data storage unit.   6. The point service management program according to claim 4, wherein the user attribute information is an attribute of the user that changes with time.

Images