JP2007102329A - Point management method and point management program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a point management method and a point management program that can promote sales by setting targets for point members of a point service and increasing motivation to achieve the targets. <P>SOLUTION: A management computer 21 of a point management server 20 compares a point balance with points necessary for a target item. If the point balance is below the necessary points, the management computer 21 calculates a point acquisition plan function to calculate the next monthly target point balance. If the point balance is below the next monthly target point balance, the management computer 21 calculates the points that are the difference between the next monthly target point balance and the point balance, and calculates a transaction amount necessary to fill the difference. The management computer 21 then sends a transaction amount notification to the point member's point of contact. <P>COPYRIGHT: (C)2007,JPO&INPIT

Description

  The present invention relates to a point management method and a program for managing points in a point service.

  Today, various efforts are being made to promote sales while continuing transactions with customers. For example, a point service is provided to provide customers who have purchased a product with points that can be used in the same way as cash at the store. In this service, by providing points to a customer, the customer can be prompted to conduct another transaction. Furthermore, a technique related to a point management method that can efficiently perform a point service using a user's deposit account is also disclosed (for example, see Patent Document 1).

  However, simply providing points may weaken the motivation of purchasing, and it may be difficult to obtain the sales promotion effect that is the main purpose of points. Therefore, a technology related to a point service system for encouraging customers to purchase using such a point service has been disclosed (for example, see Patent Document 2). In the technique described in this document, in a point service system that provides a service converted into a certain amount of money when a predetermined number of points is reached, when the above number of points is reached within a predetermined period, the amount exceeds the normal amount. Provide services converted to the amount of money. Then, in order to provide a service converted into an amount greater than the normal amount, the point achievement target date is displayed on the receipt.

Furthermore, a technique related to a transaction point processing apparatus that can set a target point as a unit for passing a transaction point to a customer according to the customer is also disclosed (for example, see Patent Document 3). In the technique described in this document, sales registration of a product is performed, and a membership number of customer identification information recorded on a card is read by a reading means. According to the customer's current purchase amount, the current transaction point number is calculated, and the balance is updated by adding to the previous transaction point balance. Then, the target point set for the customer being processed is read, and when the target point is reached, a stamp, a voucher or the like having a record of the target transaction point number is provided to the customer by the transaction point delivery means. Furthermore, the point balance is updated, and the remaining number up to the next target point is displayed. Thereby, the remaining number of transaction points up to the target can be easily grasped.
JP 2003-281383 A (first page) Japanese Patent Laying-Open No. 2005-122250 (first page) JP-A-6-36143 (first page)

  Setting goals as described above will motivate new purchasing activities, but setting goals only is not sufficient as motivation. Further, even if the remaining number up to the target can be grasped by displaying the remaining number, it may not be understood how to act on the remaining number. In particular, when the transaction is active, it is necessary to motivate the customer according to the transaction status. In addition, since there are many remaining items at an early stage, the target may be felt far away, and the willingness to purchase may be reduced.

  The present invention has been made in order to solve the above-mentioned problems, and its purpose is to promote sales by increasing the willingness to achieve the goal set by the user of the point service. It is to provide a management method and a point management program.

  In order to solve the above-mentioned problems, the invention described in claim 1 is directed to a target setting information storage unit that records a target item identifier and a desired acquisition time in association with each user, and a cumulative number of points for each user. Accumulated point number information storage means, item information storage means for recording the number of points required for each item identifier, conversion information storage means for recording the number of points given according to the transaction volume, and management computer A method for managing user points using a point management system comprising: a management computer for acquiring a target item identifier recorded in the target setting information storage means using the item information storage means Identifying the necessary number of points to perform, and points for accumulating the necessary number of points during the period until the desired acquisition time Calculating an acquisition plan function, identifying a target cumulative point number of the next confirmation timing in the point acquisition plan function, and a predetermined period of time calculated based on the cumulative point number recorded in the cumulative point number information storage means A step of calculating a difference between the predicted cumulative point number and the target cumulative point number, calculating a transaction amount for replenishing the difference using the conversion information storage means, and providing a notification including the transaction amount The main point is to execute the step of transmitting to the contact information of the user.

  According to a second aspect of the present invention, in the point management method according to the first aspect, in the specific stage of the target cumulative point number, as a point acquisition plan function, it is necessary to acquire the target item from the cumulative point number at the time of setting the target. The gist is to calculate a function that linearly approximates up to the number of points in a period from the target setting time to the desired acquisition time.

  According to a third aspect of the present invention, in the point management method according to the first or second aspect, the accumulated points for a predetermined period recorded in the accumulated point number information storage means as the estimated accumulated point number in the difference calculation step. The gist is to calculate a performance approximation function that approximates a history of numbers, and to specify a target cumulative point number for the next confirmation timing in the performance approximation function.

  The invention described in claim 4 is a target setting information storage unit that records a target item identifier and an acquisition desired time in association with each user, and a cumulative point number information storage unit that records a cumulative point number for each user. And a point management system comprising: item information storage means for recording the number of points required for acquisition for each item identifier; conversion information storage means for recording the number of points given according to the transaction volume; and a management computer A program for managing user points, wherein the management computer uses the item information storage means to identify the number of points required to acquire the target item identifier recorded in the target setting information storage means Necessary point number specifying means and point acquisition for accumulating the necessary point number during the period until the desired acquisition time And a target accumulated point number specifying means for specifying a target accumulated point number for the next confirmation timing in the point acquisition plan function, and a calculated based on the accumulated point number recorded in the accumulated point number information storage means. The difference calculation means for calculating the difference between the estimated cumulative point number for the predetermined period and the target cumulative point number, and the transaction amount for replenishing the difference using the conversion information storage means, It is made to function as a transaction amount notification means for transmitting a notification including the above to the contact information of the user.

  According to a fifth aspect of the present invention, in the point management program according to the fourth aspect, in the target cumulative point number specifying means, a point required for acquiring a target item from the cumulative point number at the time of target setting as a point acquisition plan function The gist is to calculate a function that approximates a number in a straight line in the period from the target setting time to the desired acquisition time.

According to a sixth aspect of the present invention, in the point management program according to the fourth or fifth aspect, the accumulated point number for a predetermined period recorded in the accumulated point number information storing unit as the estimated accumulated point number in the difference calculating unit. The gist is to calculate a performance approximation function that approximates the history of the above and specify the target accumulated point number of the next confirmation timing in the performance approximation function.

(Function)
According to the invention described in claim 1 or 4, the management computer calculates an expected cumulative point number for a predetermined period calculated based on the cumulative point number recorded in the cumulative point number information storage means, the target cumulative point number, The difference is calculated. Then, the transaction amount for replenishing the difference is calculated using the conversion information storage means, and a notification including this transaction amount is transmitted to the contact information of the user. Thereby, the user can grasp what to do (action) with respect to the point acquisition plan for accumulating the required number of points at the desired acquisition time. And the number of points can be accumulated in a planned manner during the period until the desired acquisition time. Further, sales promotion can be promoted for the point service provider.

  According to the invention described in claim 2 or 5, the point acquisition planning function calculates the cumulative number of points at the time of target setting to the number of points required for acquisition of the target item in the period from the target setting time to the desired acquisition time. It is a function that approximates a straight line. Thereby, the target accumulated point number of the next confirmation timing can be specified.

  According to the third or sixth aspect of the present invention, the estimated cumulative point number is calculated by approximating the history of the cumulative point number recorded in the cumulative point number information storage unit for a predetermined period. Then, the target cumulative point number at the next confirmation timing is specified in the result approximation function. Thereby, after predicting the change of the point balance at the next confirmation timing, it is possible to grasp the transaction amount necessary for supplementing the point acquisition plan.

  According to the present invention, it is possible to promote sales by increasing the willingness to achieve the goal set by the user of the point service.

(First embodiment)
Hereinafter, a first embodiment of the present invention will be described with reference to FIGS. In this embodiment, a financial institution that is a point service provider provides points to point members as users.

  As shown in FIG. 1, the financial institution server 15 is connected to the client terminal 10 via the Internet I. The client terminal 10 is a terminal for the customer himself to perform transaction processing with a bank. For example, the customer's mobile phone terminal or computer terminal is used.

  The financial institution server 15 is a system that performs banking processing based on the request received from the client terminal 10. The financial institution server 15 includes a customer data storage unit 16 and a transaction history data storage unit 17.

The customer data storage unit 16 stores customer data related to customers of this financial institution. This customer data is recorded when the customer opens an account. The customer data includes data relating to a customer identifier, an account identifier, an account balance, and a point member flag. The customer identifier is an identifier assigned to each customer for identifying the customer. The account identifier is an identifier for specifying a customer's deposit account, and includes a branch name code, a deposit type code, and an account number. Furthermore, when a member is registered to use the point service among customers, a point member flag is recorded. By using this point member flag, the financial institution server 15 can identify the point member.

  The transaction history data storage unit 17 stores transaction history data related to a deposit account opened at a financial institution. This transaction history data is recorded when a financial institution makes a transaction with a customer. Specifically, the transaction history data includes deposit / withdrawal data related to deposit / withdrawal to / from a deposit account. This deposit / withdrawal includes items that are eligible for point acquisition in point services provided by financial institutions. For example, salary and pension transfers, public utility account transfers, deposits such as funded time deposits and property deposits. These can be specified using the “summary” included in the deposit / withdrawal data.

  The transaction history data also includes data related to the customer's foreign currency deposits and investment trust purchase history, accumulation and property, mortgage and card loans, credit / debit card usage history, and safe deposit contract history. . These are also eligible for point acquisition in point services provided by financial institutions.

  The financial institution server 15 is connected to a point management server 20 as a point management system for managing point services. The point management server 20 includes a management computer 21. Further, the point management server 20 includes a point member data storage unit 22 as a cumulative point number information storage unit and a target setting data storage unit 23 as a target setting information storage unit, and is connected to the management computer 21. Furthermore, the management computer 21 is also connected to a point conversion data storage unit 24 as conversion information storage means and an item data storage unit 25 as item information storage means. The management computer 21 has a CPU, a RAM, a ROM, and the like (not shown), and performs later-described processing (processing including a necessary point number specifying step, a target cumulative point number specifying step, a difference calculating step, a transaction volume notification step, and the like). Do. By executing the point management program for this purpose, the management computer 21 functions as necessary point number specifying means, target accumulated point number specifying means, difference calculating means, transaction amount notifying means, and the like.

  As shown in FIG. 2, the point member data storage unit 22 stores data relating to members who use the point service. The point member data storage unit 22 includes member data 221 and point balance data 222.

  This member data 221 is recorded when member registration is performed in order to use the point service. The member data 221 includes data related to the account identifier, contact information, and recommended transaction type identifier corresponding to the member identifier.

In the member identifier data area, data relating to an identifier for specifying a customer who has registered as a member in order to use the point service is recorded.
In the account identifier data area, data relating to the account identifier of the deposit account held by the point member is recorded.

Data relating to the contact information of the point member is recorded in the contact data area. In this embodiment, data relating to the e-mail address of the point member is recorded.
In the recommended transaction type identifier data area, data for specifying a recommended transaction type for sales promotion is recorded for this point member. Here, an identifier of a transaction type that is determined to be suitable for this point member among transactions in which points are provided in the point service is recorded. Specifically, a recommended transaction type that can increase the transaction volume according to the customer's intention is used. For example, when the customer uses a credit card, “credit card” is set as the recommended transaction type.

  On the other hand, the point balance data 222 records data related to points acquired by the member. This point balance data 222 is generated at the beginning of the month and is updated and recorded when a member who has performed transaction processing in the financial institution server 15 obtains points. The point balance data 222 of the past month is locked so that it cannot be updated. Thereby, the point balance data 222 is used as an acquisition history. The point balance data 222 includes data related to the point acquisition month, the point balance, and the expiration date corresponding to the member identifier.

  In the member identifier data area, data relating to an identifier for specifying a customer who has registered as a member in order to use the point service is recorded. By using this member identifier, it can be associated with other data.

  In the point acquisition month data area, data relating to the month in which the point member has acquired points is recorded. In the present embodiment, it is assumed that the point balance data 222 is generated and managed every month. When new point balance data 222 is generated, the point balance and expiration date of the previous month are recorded as the initial value of the point balance and expiration date of the next month.

In the point balance data area, data relating to a cumulative value (cumulative point number) of the number of points acquired by the point member is recorded. This number of points is the number of points provided by each transaction process. Since the point balance data 222 of the past month is locked, when the point member acquires or uses the points, the point balance and the expiration date of the point balance data 222 of the current month are updated.
Data relating to the expiration date of the provided points is recorded in the expiration date data area.

  As shown in FIG. 3, the target setting data storage unit 23 stores target setting data 230 relating to the target set by the point member. The target setting data 230 is recorded when the point member registers an item to be acquired using the point and a time at which the item is to be acquired. The target setting data 230 includes data relating to the target item identifier, the desired acquisition month, and the target setting month corresponding to the member identifier.

In the member identifier data area, data relating to an identifier for specifying a customer who has registered as a member in order to use the point service is recorded.
In the target item identifier data area, data relating to an identifier for specifying an item that the point member desires to acquire is recorded. In this embodiment, it is assumed that the item is exchanged for a gift card or a lottery ticket provided by a financial institution that performs the point service.

In the desired acquisition month data area, data relating to the time when the point member wishes to acquire an item is recorded. For example, when this point member wishes to acquire a lottery, the issue date of the lottery is registered as an acquisition desired month.
In the target setting month data area, data related to the time when the target setting data 230 was recorded is recorded based on the target setting of the user.

  As shown in FIG. 4, the point conversion data storage unit 24 stores point conversion data 240 for calculating the number of points given according to transaction details. The point conversion data 240 is recorded when a financial institution that provides a point service determines and registers the number of points to be provided according to the transaction content. The point conversion data 240 includes data related to the point number calculation function provided to the point member corresponding to the transaction type identifier.

In the transaction type identifier data area, data relating to an identifier for specifying a transaction type to which points are given is recorded.
In the point number calculation function data area, data relating to a pattern for calculating the number of points to be given in this transaction type is recorded. For example, “1 point” is recorded as the reference point number 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 “credit card”, “monthly usage amount / 2000 yen” points are recorded as the reference point number calculation function. In this case, “1 point” is provided for every 2000 yen of credit card monthly use.

  As shown in FIG. 5, item data 250 relating to items provided in the point service is recorded in the item data storage unit 25. This item data 250 is recorded when a financial institution that provides a point service determines and registers an item to be provided by exchanging points. Item data 250 includes data related to the number of necessary points corresponding to the item identifier.

  Data relating to an identifier for specifying an item is recorded in the item identifier data area. Items specified in the present embodiment include “lottery tickets” and “gift cards”.

  In the necessary point number data area, data relating to the number of points necessary for acquiring this item is recorded. For example, “600 points” is set to acquire the item “lottery ticket”, and “1000 points” is set to acquire the item “gift card”.

Next, a processing procedure of the point management method in the present embodiment will be described. Here, the target setting process, the point registration process, and the progress management process will be described in this order.
(Goal setting process)
First, the target setting process in the point management server 20 will be described. For example, at the end of the year (December), “lottery ticket” is set as an acquisition target. In this case, the point member first accesses the financial institution server 15 via the Internet I using the client terminal 10. Then, using the client terminal 10, the member identifier and password of the point member are transmitted to the financial institution server 15.

When the financial institution server 15 completes the user authentication based on the received member identifier and password, it transmits the menu screen data to the client terminal 10.
The point member selects a “target setting” button from the menu screen displayed on the display of the client terminal 10. In this case, the client terminal 10 acquires the target setting screen data from the point management server 20 via the financial institution server 15, and displays the target setting screen on the display. This target setting screen includes an item list and an acquisition desired month input field. In this item list, a selection button is provided for each item. Therefore, the desired item is selected from the item list, and the desired time is input in the acquisition desired month input field. When the “set” button is selected, the client terminal 10 transmits a target setting instruction to the financial institution server 15. The target setting instruction includes data relating to the item identifier and desired acquisition month of the item selected on the target setting screen.

The management computer 21 of the point management server 20 that has received the target setting instruction via the financial institution server 15 records target setting data 230 including the member identifier of the user-authenticated point member in the target setting data storage unit 23. In this case, the item identifier and the acquisition desired month included in the target setting instruction are recorded in the target item identifier data area and the acquisition desired month data area of the target setting data 230, respectively. Furthermore, the financial institution server 15 records the target setting month in the target setting data 230.

Then, the management computer 21 acquires the e-mail address of the point member from the point member data storage unit 22, and transmits a registration notification to this address.
Thus, the target setting process is completed.

(Point registration / use processing)
Next, point registration / use processing in the point management server 20 will be described. The financial institution server 15 sequentially records in the transaction history data storage unit 17 when the point member performs a transaction request such as “transfer”, a loan, a salary transfer, or the like.

  Then, the financial institution server 15 periodically provides the point management server 20 with a point registration instruction including information on the newly generated transaction regarding the point member. This point registration instruction includes a transaction type identifier relating to a transaction conducted with this point member and data relating to the transaction amount.

  The management computer 21 of the point management server 20 that has received the point registration instruction extracts the point number calculation function recorded in the point conversion data storage unit 24 using the transaction type identifier included in the point registration instruction. Then, using this point number calculation function and the transaction amount included in the point registration instruction, the number of points provided to the point member is calculated.

  Then, the management computer 21 extracts from the point member data storage unit 22 this month's point balance data 222 relating to the point member who made the transaction. In this case, the management computer 21 adds the calculated number of points to the point balance. Further, the expiration date is calculated by adding a predetermined period (for example, one year) according to the point acquisition date. Then, the management computer 21 updates the point balance and the expiration date of the point balance data 222.

On the other hand, when using points (for example, exchanging for some item), the management computer 21 of the point management server 20 stores the point balance data 222 of this month regarding the point members using the points from the point member data storage unit 22. Extract. In the case of using points, the management computer 21 updates the point balance data 222 by subtracting the number of points used from the point balance.
Thus, the point registration / use process is completed.

(Progress management process)
Next, the progress management process in the point management server 20 will be described with reference to FIGS. In the present embodiment, the point management server 20 stores schedule data relating to the confirmation timing, and the management computer 21 executes the progress management process at a predetermined confirmation timing. In this embodiment, progress management processing is executed at the end of every month, and next month point management is performed as the next confirmation timing. This processing is performed for each point member who has set a target.

  First, the management computer 21 acquires the number of points necessary for acquiring the target item (step S1-1). Specifically, the management computer 21 specifies the target item identifier set by the point member from the target setting data storage unit 23. Then, the management computer 21 extracts the item data 250 including the target item identifier from the item data storage unit 25, and specifies the number of points necessary for acquiring this item.

Next, the management computer 21 checks whether or not the point balance has reached the number of points necessary to acquire the target item (step S1-2). Here, the management computer 21 extracts the point balance data 222 of the point member from the point member data storage unit 22 and acquires the point balance. Then, the management computer 21 compares this point balance with the required number of points.

  When the point balance has reached the required number of points (in the case of “YES” in step S1-2), the management computer 21 transmits a goal achievement notification to the point member (step S1-3). Specifically, the management computer 21 acquires data related to the contact information of the point member from the point member data storage unit 22 and transmits an e-mail describing that the goal has been achieved to the contact information. The point member can perform a procedure for acquiring the target item by receiving the target achievement notification at the client terminal 10.

  On the other hand, when the point balance has not reached the required number of points (in the case of “NO” in step S1-2), the management computer 21 calculates a point acquisition plan function (step S1-4). Specifically, the management computer 21 calculates a function representing a point acquisition plan for acquiring the necessary number of points from the target setting month to the acquisition desired month recorded in the target setting data storage unit 23. In the present embodiment, as shown in FIG. 7, a linear function expressing a straight line connecting the point balance of the target setting month to the point balance of the desired acquisition month is calculated as the point acquisition plan function f (x). That is, the point acquisition plan function f (x) is a function for calculating the point balance of each month until the target is reached, using time (month) as a parameter.

  Next, the management computer 21 calculates the target point balance for the next month (step S1-5). Here, the management computer 21 substitutes a parameter representing the next month for the point acquisition plan function f (x) calculated in the previous step, thereby obtaining the target to be acquired in the next month in the point acquisition plan. The point balance f (n + 1) is calculated. This target point balance f (n + 1) is the target cumulative point number.

  Next, the management computer 21 compares the target point balance for the next month with the current point balance (step S1-6). Here, assuming that there is no point registration in the next month, the current point balance is used as the estimated cumulative number of points.

  If the point balance has already exceeded the target point balance for the next month (in the case of “YES” in step S1-6), the management computer 21 manages the progress because the point is moving toward the target at a faster pace than the point acquisition plan. End the process.

  When the point balance is equal to or less than the target point balance for the next month (in the case of “NO” in step S1-6), the management computer 21 determines that the target point balance and the point balance for the next month are delayed. Is calculated (step S1-7). Here, as shown in FIG. 7, a difference DF is calculated by subtracting the current point balance from the target point balance f (n + 1) of the next month calculated in the previous step.

  Next, the management computer 21 calculates the transaction amount necessary to supplement the difference DF (step S1-8). Specifically, the management computer 21 extracts a recommended transaction type identifier related to the point member from the point member data storage unit 22. Then, the management computer 21 specifies the point calculation function recorded in association with the recommended transaction type identifier from the point conversion data storage unit 24. Then, using this point calculation function and the difference DF, a transaction amount necessary for replenishing the difference DF is calculated (back calculation). For example, when the difference DF is “15 points”, “monthly usage amount / 2000 yen = 15 points”, so “monthly usage amount: 30000 yen” is calculated as a necessary transaction amount.

  Then, the management computer 21 transmits a transaction amount notification to the point member's contact information (step S1-9). Specifically, the management computer 21 acquires data regarding the contact information of the point member from the point member data storage unit 22 and transmits a transaction amount notification to the contact information. This transaction volume notification includes information related to the transaction volume necessary to make up for the difference DF. In the present embodiment, the management computer 21 transmits a transaction amount notification to the e-mail address of the point member.

  By receiving this transaction amount notification at the client terminal 10, the point member can grasp the progress in the process of acquiring the target item and the action necessary to achieve the target. Thus, the progress management process ends.

According to this embodiment, the following effects can be obtained.
In this embodiment, when the point balance has not reached the required number of points, the management computer 21 calculates a point acquisition plan function (step S1-4). Then, the management computer 21 calculates the target point balance for the next month (step S1-5). If the point balance is equal to or less than the target point balance for the next month, the management computer 21 calculates the number of points of the difference between the target point balance for the next month and the point balance (step S1-7), and replenishes the difference DF. Therefore, the transaction amount necessary for this is calculated (step S1-8). Then, the management computer 21 transmits a transaction amount notification to the point member's contact information (step S1-9). If you are behind the point acquisition plan, by sending a transaction volume notification to the point member's contact information, the point member can grasp the situation for the purpose, and take measures if necessary ( Action).

  In particular, the management computer 21 replenishes this difference DF using a point calculation function recorded in the point conversion data storage unit 24. Thereby, since the necessary transaction amount is notified, the point member can grasp what to do (action). Further, sales promotion can be promoted for the point service provider.

  In the present embodiment, the management computer 21 of the point management server 20 executes the progress management process periodically (at the end of every month in the present embodiment). Thereby, a progress situation can be grasped regularly at an intermediate stage. Even if the differences (insufficiency) are grasped together at the final stage, recovery to the target is difficult. Therefore, the possibility of achieving the target can be increased by performing replenishment toward the target setting sequentially in the middle stage.

  In the present embodiment, the target setting data storage unit 23 stores target setting data 230 related to the target set by the point member. The target setting data 230 includes data related to the target item identifier and the desired acquisition month corresponding to the member identifier. Then, using this desired acquisition month, a point acquisition plan function is calculated. Some items provided in the point service have a limited provision period such as “lottery ticket”. Therefore, the point acquisition status can be managed according to this provision period.

  In the present embodiment, the management computer 21 checks whether or not the point balance has reached the number of points necessary for acquiring the target item (step S1-2). When the point balance has reached the required number of points, the management computer 21 transmits a target achievement notification to the point member (step S1-3). Thereby, the point member can perform the procedure for acquiring a target item rapidly by receiving this target achievement notification by the client terminal 10.

(Second Embodiment)
Next, a second embodiment of the present invention will be described with reference to FIGS. In addition, since 2nd Embodiment is the structure which changed the progress condition management process of 1st Embodiment, the detailed description is abbreviate | omitted about the part which is common in 1st Embodiment.

First, the management computer 21 acquires the number of points necessary for acquiring the target item as in step S1-1 (step S2-1).
Next, the management computer 21 checks whether or not the point balance has reached the number of points necessary for acquiring the target item in the same manner as in step S1-2 (step S2-2).

  When the point balance has reached the required number of points (in the case of “YES” in step S2-2), the management computer 21 transmits a target achievement notification to the point member in the same manner as in step S1-3 (step S1-3). S2-3).

  On the other hand, when the point balance has not reached the required number of points (in the case of “NO” in step S2-2), the management computer 21 calculates a point acquisition plan function (step S2-4). Also in this step, as in step S1-4, as shown in FIG. 9, a linear function expressing a straight line connecting the point balance of the target setting month to the point balance of the acquisition desired month is represented as a point acquisition plan function. Calculate as f (x).

And the management computer 21 calculates the target point balance of the following month similarly to step S1-5 (step S2-5).
Next, the management computer 21 calculates a performance approximation function of the point balance (step S2-6). Specifically, the management computer 21 calculates a function expressing a change in the point balance. In the present embodiment, as shown in FIG. 9, a linear function that expresses a straight line connecting the current point balance from the point balance in the target setting month is calculated as the actual approximation function g (x). That is, the actual result approximation function g (x) is a function that represents the change in the point balance on average with time (month) as a parameter.

  Next, the management computer 21 calculates the predicted point balance for the next month (step S2-7). Here, the management computer 21 substitutes a parameter representing the next month for the actual approximation function g (x) calculated in the previous step, thereby increasing the expected point balance g ( n + 1) is calculated.

  Next, the management computer 21 compares the target point balance of the next month with the expected point balance (step S2-8). Specifically, the target point balance f (n + 1) calculated in step S2-5 is compared with the predicted point balance g (n + 1) calculated in step S2-7. When the predicted point balance has already exceeded the target point balance for the next month (in the case of “YES” in step S2-8), the management computer 21 is moving toward the target at a faster pace than the point acquisition plan. Finish the progress management process.

  If the predicted point balance is equal to or less than the target point balance for the next month (in the case of “NO” in step S2-8), the management computer 21 estimates that the target point balance for the next month is The number of points of difference from the point balance is calculated (step S2-9). Here, as shown in FIG. 9, a difference DF is calculated by subtracting the expected point balance g (n + 1) from the target point balance f (n + 1) of the next month calculated in the previous step (step S2-9).

Next, similarly to step S1-8, the management computer 21 calculates the transaction amount necessary for replenishing the difference DF using the point conversion data storage unit 24 (step S2-1).
0).

Then, the management computer 21 transmits a transaction amount notification to the contact information of the point member recorded in the point member data storage unit 22 (step S2-11).
By receiving this transaction volume notification at the client terminal 10, the point member can grasp the progress in the process of acquiring the target item and the action necessary to achieve the target. Thus, the progress management process ends.

According to this embodiment, in addition to the effects of the first embodiment, the following effects can be obtained.
-In this embodiment, the management computer 21 calculates the performance approximation function of a point balance (step S2-6), and calculates the predicted point balance of the next month (step S2-7). Then, the management computer 21 compares the target point balance of the next month with the predicted point balance (step S2-8). Thereby, after predicting the change of the point balance of the next month, it is possible to grasp the transaction amount necessary to supplement the point acquisition plan. In particular, if there is a regular transaction (for example, regular salary or pension transfer, loan repayment), the point balance increases accordingly. Therefore, the difference which is still insufficient can be calculated, and the transaction volume for compensating for the difference can be promoted.

Moreover, you may change the said embodiment as follows.
In the first and second embodiments, the management computer 21 represents a linear function that expresses a straight line connecting the point balance in the target setting month and the point balance in the desired acquisition month as the point acquisition plan function f (x ). This point acquisition plan function is not limited to such a function. The calculation of the point acquisition plan function is not limited to the case of calculating from the point balance of the target setting month. For example, the point acquisition plan function may be calculated from the point balance of the past month or this month in a predetermined period. Here, a specific example of calculating the point acquisition plan function based on the point balance of this month will be described with reference to FIG. In this case, a linear function expressing a straight line connecting the current point balance to the desired acquisition month point balance is calculated as the point acquisition plan function f (x). As a result, even when the current point balance has a large divergence from the point acquisition plan, the divergence can be distributed and supplemented in the remaining months.

  In the second embodiment, the management computer 21 calculates a linear function representing a straight line connecting the current point balance from the point balance of the target setting month as the actual approximation function g (x). The actual approximation function g (x) is not limited to such a function. For example, a performance approximation function may be calculated from the history of point balances in the past month for a predetermined period. In the implementation shown in FIG. 10, the actual approximation function is calculated using the point balances of the previous month and the current month. Thereby, a performance approximate function can be calculated according to the change of a predetermined period.

  In the second embodiment described above, the actual function approximate function g (x) is calculated using a linear function. The actual approximation function g (x) is not limited to such a function, and it is possible to use a higher-order nonlinear function capable of fitting the point balance history. Thereby, a more accurate expected point balance can be calculated.

In the first and second embodiments, the member data 221 recorded in the point member data storage unit 22 includes data related to the recommended transaction type identifier corresponding to the member identifier. When the management computer 21 calculates the transaction amount necessary to replenish the difference DF, the point conversion data storage unit 24 uses the point calculation function recorded in association with the recommended transaction type identifier, The amount of transaction required to calculate the difference DF is calculated. Instead of this, the recommended transaction type identifier may be changed according to the situation. For example,
The transaction status of the point member may be acquired, a type having a large transaction amount may be selected from the transaction types that can be replenished, and the identifier of this transaction type may be used.

  In the second embodiment, the management computer 21 of the point management server 20 executes the progress management process periodically (at the end of every month in this embodiment). The execution timing of the progress management process is not limited to this. For example, it can be executed for each transaction. Further, the progress management process may be executed according to the transaction status. Further, the point management server 20 stores a function and a table for determining the execution frequency of the progress management process according to the difference amount. In this function or table, when the difference is large, the execution frequency of the progress management process is increased. As a result, when the difference is large, it is possible to perform detailed progress management. Therefore, the point member can easily follow the point acquisition plan.

The system schematic of embodiment of this invention. Explanatory drawing of the data recorded on the point member data storage part. Explanatory drawing of the data recorded on the target setting data storage part. Explanatory drawing of the data recorded on the point conversion data storage part. Explanatory drawing of the data recorded on the item data storage part. The flowchart of the process sequence of 1st Embodiment. Explanatory drawing of the change of the point balance of 1st Embodiment. The flowchart of the process sequence of 2nd Embodiment. Explanatory drawing of the change of the point balance of 2nd Embodiment. Explanatory drawing of the change of the point balance of other embodiment.

Explanation of symbols

  DESCRIPTION OF SYMBOLS 10 ... Client terminal, 15 ... Financial institution server, 16 ... Customer data storage part, 17 ... Transaction history data storage part, 20 ... Point management server, 21 ... Management computer, 22 ... Point member data as accumulated point number information storage means Storage unit, 23 ... Target setting data storage unit as target setting information storage unit, 24 ... Point conversion data storage unit as conversion information storage unit, 25 ... Item data storage unit as item information storage unit, f (x) ... Point acquisition planning function, g (x) ... result approximation function, DF ... difference.

Claims (6)

Target setting information storage means that records the target item identifier and the desired acquisition time in association with each user,
Cumulative point number information storage means for recording the cumulative point number for each user;
Item information storage means for recording the number of points required for acquisition for each item identifier;
Conversion information storage means for recording the number of points given according to the transaction volume;
A method of managing user points using a point management system comprising a management computer,
The management computer is
Identifying the necessary number of points for obtaining the target item identifier recorded in the target setting information storage means using the item information storage means;
Calculating a point acquisition plan function for accumulating the required number of points in a period until the desired acquisition time, and specifying a target cumulative point number of the next confirmation timing in the point acquisition plan function;
Calculating a difference between an expected cumulative point number for a predetermined period calculated based on the cumulative point number recorded in the cumulative point number information storage means and the target cumulative point number;
Calculating a transaction amount for replenishing the difference using the conversion information storage means, and transmitting a notification including the transaction amount to the contact information of the user. Method.   In the specific stage of the target cumulative point number, as the point acquisition plan function, the cumulative point number at the time of setting the target to the number of points required for acquiring the target item is linearly approximated in the period from the target setting time to the acquisition desired time The point management method according to claim 1, wherein a function is calculated.   In the step of calculating the difference, an actual approximation function that approximates the history of the cumulative point number recorded in the cumulative point number information storage means as the expected cumulative point number is calculated, and the next confirmation timing in the actual approximation function The point management method according to claim 1, wherein the target cumulative point number is specified. Target setting information storage means that records the target item identifier and the desired acquisition time in association with each user,
Cumulative point number information storage means for recording the cumulative point number for each user;
Item information storage means for recording the number of points required for acquisition for each item identifier;
Conversion information storage means for recording the number of points given according to the transaction volume;
A program for managing user points using a point management system comprising a management computer,
The management computer,
Necessary point number specifying means for specifying the required number of points for acquiring the target item identifier recorded in the target setting information storage means using the item information storage means;
A target cumulative point number specifying means for calculating a point acquisition plan function for accumulating the required number of points during a period until the desired acquisition time, and specifying a target cumulative point number at a next confirmation timing in the point acquisition plan function; ,
A difference calculating means for calculating a difference between an expected accumulated point number for a predetermined period calculated based on the accumulated point number recorded in the accumulated point number information storage means, and the target accumulated point number;
A transaction amount for replenishing the difference is calculated using the conversion information storage unit, and the transaction amount notification unit is configured to function as a transaction amount notification unit that transmits a notification including the transaction amount to the contact information of the user. Point management program.   In the target cumulative point number specifying means, as a point acquisition plan function, a function that linearly approximates from the cumulative point number at the time of target setting to the point number required for acquisition of the target item in the period from the target setting time to the desired acquisition time The point management program according to claim 4, wherein the point management program is calculated.   The difference calculating means calculates an actual approximation function approximating the history of the cumulative point number recorded in the cumulative point number information storage means as the predicted cumulative point number, 6. The point management program according to claim 4, wherein the target cumulative point number is specified.

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