JP2015088088A - Point investment and loan operation management system, and point investment and loan operation management method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a point investment and loan operation management system, and a point investment and loan operation management method that can collect points issued at a plurality of point issuers to perform investment and loan.SOLUTION: In a point management server 100, a customer-specific database 103 stores point management information at least including the number of cumulative use points which is the number of held points, the number of investment and loan points, and the number of return points for each of users. A communication section 101 receives a point issued to the user at a point issuer company and the like, which is a point issuer, through purchase of goods by the user in a store and the like. The received point and the like are stored in the customer-specific database 103 one by one through update processing by a control section 102.

Description

  The present invention relates to a point investment and loan operation management system and a point investment and loan operation management method for investing and financing points.

  As a system for investing and financing points, the technology described in Patent Document 1 is known. This patent document 1 describes a point fund system for investing and lending points. This point fund system processes points collected by a point member according to the instructions of the point member. And a distribution process thereof. More specifically, the manager of the point fund system asks the company that issued the points to contribute funds for the purchase of funds equivalent to the total amount of points, and uses the fund purchase funds to contribute funds. The point fund system can be purchased and distributed to each point member according to the ratio of the number of points of each point member to the total point.

JP 2002-49758 A

  Generally, points are issued for each point issuer, and the points are used for each point issuer. Therefore, the points tend to be dispersed. Also in the technique described in Patent Document 1, it is assumed that the point issuer is a single supplier. Therefore, investment efficiency using that point is not so high, and even if investment is made based on that point, it is difficult to obtain the expected return.

  Accordingly, an object of the present invention is to provide a point investment and loan operation management system and a point investment and loan operation management method capable of collecting points issued by a plurality of point issuers and performing investment and loan.

  In order to solve the above-described problem, the point investment and operation management system of the present invention includes a point management server that stores point management information of the number of points for each user, and an investment and loan of the number of investment and loan points to be invested and financed. A point investment management system comprising: a fund server for storing information, wherein the point management server stores point management information including the number of retained points, the number of investment points and the number of return points for each user Point storage means, issue point reception means for receiving the number of points issued to the user in each of a plurality of point issuers, and investment and loan information notification means for notifying the fund server of the investment and loan destination and the number of investment and loan points And the number of return points for each user's investment and loan from the fund server Return information receiving means for receiving return information including, the number of points received by the issuing point receiving means, the number of investment and financing points notified by the investment and loan information notifying means, and the return information received by the return information receiving means Updating means for updating the point management information stored in the point storage means, and the fund server includes the investment destination and the number of investment points notified by the investment information notification means. Investment and loan information storage means for storing investment information, redemption amount information reception means for receiving redemption information, redemption amount received by the redemption amount information reception means and stored in the investment information storage means Return poi that calculates return points for each user based on the investment information And preparative calculating means, and a return point notifying means for notifying the return information including the return point of each user calculated for the point management server by the return point calculation means.

  The point investment and loan operation management method of the present invention includes a point management server that stores point management information of the number of points for each user, and a fund server that stores investment and loan information of investment and loan destinations and the number of investment and loan points to invest. In the point operation management method, the point management server stores, for each user, a point storage step for storing point management information including the number of retained points, the number of investment points and the number of return points in a point storage means, and a plurality of points At each issuer, an issue point receiving step for receiving the number of points issued to the user, an investment and loan information notifying step for notifying the fund server of the investment and loan destination and the number of investment and loan points, and each user from the fund server Includes the number of return points for Return information receiving step for receiving turn information, the number of points received by the issuing point receiving step, the number of investment and financing points notified by the investment and loan information notification means, and the return information received by the return information receiving step And updating the point management information stored in the point storage means, and the fund server includes the investment and loan destination and the number of investment and loan points notified by the investment and loan information notifying step. Investment and loan information storage step for storing investment and loan information in the investment and loan information storage means, redemption amount information reception step for receiving redemption amount information, redemption amount received by the redemption amount information reception step, and the investment and loan information storage Each user based on investment and loan information stored in the means A return point calculating step for calculating a return point for the user, and a return point notifying step for notifying the point management server of return information including the return point of each user calculated by the return point calculating step. Yes.

  According to this invention, at each of a plurality of point issuers, it is possible to accept points issued to the user, store them, and perform investment using the stored points. Therefore, it is possible to collect points from various places and perform investment and financing of points, so that efficient investment and financing can be realized.

  In addition, the point investment and loan operation management system of the present invention further includes an external point conversion server that generates points based on external points given in an external service in response to an instruction from a user, and transmits from the external point conversion server The received point is received, and the point storage means stores the received external point as a retained point.

  Thereby, the external points obtained by the external service can be stored as possession points, and the points targeted for investment and financing can be increased.

  The point investment and operation management system of the present invention further includes point generation means for generating points in response to a purchase request from a user, and the point storage means uses the points generated by the point generation means as possessed points. Remember.

  Thereby, a point can be purchased with cash etc., and this can be memorized as a possession point, and the point made into investment and loan object can be increased.

  In addition, the point loan operation management system of the present invention further comprises investment and loan information receiving means for receiving investment and loan information of the investment and loan destination and the number of investment and loan points to be invested from the user terminal of each user, the investment and loan information notification The means notifies the fund server of the investment and loan destination and the number of investment and loan points received by the investment and loan information receiving means.

  Thereby, the investment and loan destination determined by the user and the number of the investment and loan points can be received, and the investment mainly by the user can be executed.

  In the point investment management system according to the present invention, in the point management server, the point storage unit sets an investment destination set based on identification information for identifying a user stored in the point storage unit. An investment and loan destination notification means for notifying a user terminal held by the user of an investment and loan instruction screen that can be selected is further provided.

  Thereby, the investment loan destination according to a user's classification can be selected, and a user's convenience can be improved. For example, if the user is an NPO, the convenience for the user is improved by providing an NPO investment instruction screen.

  The point investment and loan operation management system of the present invention acquires a revoked revocation point out of the point management information stored in the point storage means, and stores it in the point storage means based on the revocation point. Revocation point acquisition means for updating the point management information, revocation point acquired by the revocation point acquisition means, and revocation point storage means for storing revocation point management information including the issuer of the revocation point, Investment and loan instruction receiving means for receiving an investment and loan instruction for the revocation point stored in the revocation point storage means.

  According to this invention, the expired point can be managed and used for investment and financing, and the investment and financing efficiency can be improved. Moreover, it is possible to prevent generation of useless points.

  According to the present invention, it is possible to collect points issued by a plurality of point issuers, enable investment and financing based on points by the user, and efficiently allocate points to investment and financing.

It is a figure which shows the whole structure of a point investment management system. It is a block diagram which shows the function structure of the point server shown in FIG. It is a block diagram which shows the function structure of the fund server shown in FIG. It is a figure which shows the example of the database 103 classified by customer. It is a figure which shows the example of the performance database 104 according to a user store. It is a figure which shows the example of the performance database 105 classified by point issuer. It is a figure which shows the example of the investment management database 203. FIG. 6 is a diagram showing an example of a payout distribution table 204. FIG. It is a figure which shows the example of the fund management database 209. FIG. (A) is a figure which shows the example of a return distribution intermediate table, (b) is a figure which shows the example of a return distribution database. It is a figure which shows the example of the 1st donation database. It is a figure which shows the example of the revocation point database. It is a sequence diagram which shows the process of the point management server when a user requests | requires investment and financing. It is a sequence diagram which shows the process of the fund server at the time of acquiring the result of investment and financing, and a point management server. FIG. 5 is a sequence diagram showing processing of a point issuer company and the point management server when a point issuer company issues points.

  Hereinafter, preferred embodiments of the present invention will be described with reference to the accompanying drawings. In the description of the drawings, the same elements are denoted by the same reference numerals, and redundant description is omitted.

  FIG. 1 is a system configuration diagram showing the configuration of a point investment and loan operation management system 1 according to the present embodiment. The point investment and loan operation management system 1 includes a point management server 100, a fund server 200, a deposit server 300, an external point conversion server 600, a user terminal 700, a point issuer company, and the like 800. The point management server 100 is configured to be able to access the deposit server 300, the external point conversion server 600, the user terminal 700, the point issuing company, etc. 800 via the network N.

  In the point investment management system 1, the point management server 100 identifies the user issued by the point issuer company etc. 800 by the point issuer company etc. 800 through the network N through the network N. The number of points is acquired in association with the member NO. The point management server 100 can collect the points issued by each of a plurality of point issuer companies 800 and the like, and includes the member number, the point issuer, and the issued points in association with each other. can do. Details will be described later.

  Thereafter, the user accesses the point management server 100 by operating the user terminal 700 owned by the user, and makes an investment request for the points held by the user. In the present embodiment, the user includes an individual, an NPO, a university, a foundation, or the like, and an NPO other than an individual can be a point member. For example, an NPO may have several to several hundred staff members, and while these staff members belong to the same NPO, they can act as point members having individual member numbers.

  When the point management server 100 receives an investment / loan request from the user terminal 700, the point management server 100 transmits investment / loan information (including a member NO and investment / loan points) to the fund server 200. Thereafter, the point management server 100 can receive information on the commission of the investment and loan result from the fund server 200 so that the distribution money for the investment and loan can be received.

  The point issuer company 800 is a company that issues points, such as a restaurant or a store, a university, or a local government. In this point issuing company 800 or the like, when a user presents a point card and purchases a product, the point is issued to the user (point card), and the point is issued and transmitted to the point management server 100. To do. In addition, at the university, it is assumed that it will be purchased at the university co-op or at a store there. When receiving a service from a local government, the local government can issue points according to the service.

  The point management server 100 in the point investment management system 1 configured as described above will be described. FIG. 2 is a block diagram showing a functional configuration of the point management server 100. As shown in FIG. 2, the point management server 100 includes a communication unit 101 (issuance point accepting unit, investment information receiving unit, investment information notifying unit, return information receiving unit, investment destination notifying unit), control unit 102. (Update means, expired point acquisition means, investment and loan instruction acceptance means, point generation means), customer-specific database 103 (point storage means), use store-specific performance database 104, point issuer-specific performance database 105, first donation database 106 And a revocation point database 107 (revocation point storage means). Hereinafter, each component will be described.

  The communication unit 101 is a part that communicates with the fund server 200, the deposit server 300, the external point conversion server 600, the user terminal 700, and the point issuing company. For example, the communication unit 101 receives information on points given when the point issuer company etc. 800 is used from the point issuer company etc. 800 or receives a request for investment from the user terminal 700, Then, the information on the investment and loan is transmitted to the fund server 200. Further, the communication unit 101 receives information on the individual commission amount as a result of investment and financing from the fund server 200.

  The control unit 102 uses the user point information received from the user terminal 700 by the communication unit 101 and the investment request information, so that each database (customer-specific DB 103, use store performance DB 104, point issuer-specific performance DB 105, and This is a part for updating information stored in the first donation DB 106). The control unit 102 is a part that calculates and updates information stored in each database based on the commission information received from the fund server 200.

  The database 103 for each customer is a database that stores information about points owned by the user. FIG. 4 is an explanatory diagram showing a specific example of the customer database 103. As shown in FIG. 4, the database 103 for each customer includes a member number, a use date, a use time, a point issuer, a use amount, a grant point number, an exchange point number, a direct point number, a donation point number, a donation destination, a revocation The points, the subtotal of points, the number of investment and loan points, the number of return points, and the cumulative number of points used are described in association with each other. Here, the member NO is identification information for identifying the user, and the use date and the use time are the date and time when the user was given points along with the product purchase process. The point issuer is information indicating the store where the user purchased the product, and corresponds to the point issuer company 800. The usage amount is the amount of the product purchased by the user. The number of granted points is the number of points given to the user based on the usage amount. The number of exchange points is the number of points when the user has used points (purchased products by exchanging points). The number of directly attached points is the number of points given to the user when a predetermined condition is satisfied regardless of the usage amount. The donation destination and the number of donation points are the donation destination designated by the user and the number of points. The number of revoked points is the number of points determined to have been revoked at a predetermined time (so-called revoked point number). The number of return points is the number of commission points obtained through investment and financing. The accumulated use point number is the accumulated point number of the user, and is the number of points actually owned by the user. In this embodiment, the point totaling management is performed for each point issuer. However, the present invention is not limited to this. For example, the point totaling management may be performed for each point card issuer.

  FIG. 4 shows information on the points of member No .: 1234567890. For example, in the record of 2012.12.1, the member store X uses 100,000 yen, and 1000 points are obtained accordingly. Has been. Similarly, in the record of 2012.12.27, 1000 points are described as the number of donation points, and the donation destination is described as a guide dog association, which indicates that 1000 points are deducted from the cumulative total.

  Each item in the customer database 103 is updated based on usage information from the point issuing company 800 or the like, an investment or loan instruction or donation instruction from the user terminal 700, or distribution information from the fund server 200.

  For example, when information on the number of investment points, investment destination, and number of investment points is transmitted from the user terminal 700, the information is received by the communication unit 101, and the number of investment points in the customer database 103 is It is updated by the control unit 102. Then, along with this processing, the control unit 102 subtracts the number of points to be invested from the cumulative number of used points in the customer database 103.

  Further, when the number of return points, which are commission information based on each user's investment and loan, is transmitted from the fund server 200, the information is received by the communication unit 101, and the control unit 102 returns the return of the customer database 103. The number of points is updated, and the accumulated use points are further updated.

  When donation information (donation destination and donation point) is transmitted from the user terminal 700, the information is received by the communication unit 101, and the number of donation points in the customer database 103 is updated based on the donation information.

  Further, the customer database 103 can store the points purchased from the user and the points converted from the external points added to the accumulated usage points. At this time, the converted points to be added may be described in the grant point column or there may be a new item. The purchased or converted points are subjected to cumulative addition processing and stored as cumulative usage points.

  The store-by-store performance database 104 is a part that manages the history by associating the point issuer with the usage amount / granting points of the user. FIG. 5 is an explanatory diagram showing a specific example of information described in the use store performance database 104. As shown in FIG. 5, the point-of-use database (corresponding to the point issuing company, etc. 800), member No., usage date, usage time, point card issuer, usage amount, grant points The number, the number of exchange points, the number of direct points, and the subtotal are described in association with each other. These pieces of information are information transmitted from the point issuing company or the like 800 when the user acquires points. The information in each item described above is the same as each item in the customer database 103, and is different in that it is sorted by point issuer.

  The point issuer-specific result database 105 is a database that manages the number of points issued by the point issuer. FIG. 6 is an explanatory diagram showing a specific example of information stored in the point issuer-specific result database 105. As shown in FIG. 6, the point issuer-specific performance database 105 includes the point issuer, the date and time the point was issued, the amount of point issuance, the number of points issued, the number of exchange points, the number of expired points, and the number of direct points , Subtotal, and cumulative issue point information. These pieces of information are information obtained by summing up various information in the use store performance database 104, and are summed up for a predetermined period (for example, at the end of the month).

  Here, each item will be described. The issuer is a point issuer, such as a point issuer company 800 or the like. The year and month when the points are issued is the year and month for which points are issued, and is managed on a monthly basis. The target amount is the amount used by the user in the year and month that is the point issue target, and is the amount used by the point issuer company or the like 800 by purchasing the product. The number of issued points is the number of points issued by the point issuer company etc. 800 corresponding to the target amount. The number of exchange points is the number of points used by the user at the point issuer company 800 or the like. The number of revoked points is the number of points based on points expired and expired. The number of directly attached points is the number of points given when a certain condition is satisfied regardless of the usage amount of the user. The subtotal is the number of points obtained by subtracting the number of points combined with the number of exchange points and the number of revoked points from the number of points combined with the number of issued points and directly attached points. The cumulative number of issued points is the cumulative number of points that have not expired before the month and month for which points are issued.

  For example, in the record of October 2012 in the point issuer-specific performance database 105, the target amount of the member store X and the number of issue points are associated as the issuer. More specifically, the target amount is 15,000,000 yen, and the number of issued points is 150,000 issued points corresponding to the target amount. Here, the number of points 40,000 using the points owned by the user is described as the number of exchange points. These pieces of information are obtained by tabulating information in the use store performance database 104 with the issuer and date as keys.

  Then, the number of issued points and the number of exchange points are added to the total number of issued points before October 2012 of the point issuer to calculate the total number of issued points. These processes are performed by the control unit 102.

  On the other hand, the revocation point is obtained by performing a counting process at a predetermined time (for example, at the end of the year every year) in the customer database 103 or the use store performance database 104. In the present embodiment, at the time of revocation determination, points that have expired are counted as revocation points and are counted by issuer.

  The first donation database 106 is a part that manages donation information instructed by the user. FIG. 11 is a diagram illustrating an example of information stored in the first donation database 106. As shown in FIG. 11, the first donation database 106 describes information on a donation destination, a date, and the number of points to be donated. When the user makes a donation request by designating a donation destination and the number of points to be donated instead of making an investment, the user terminal 700 transmits the information to the point management server 100. The point management server 100 receives the information and updates the first donation database 106. Simultaneously with the update of the first donation database 106, the control unit 102 also updates the information on the donation destination and the number of donation points in the customer database 103.

  Here, the donation destination is a donation destination designated by the user, for example, a public facility or a predetermined fund. The date is the date on which the user has made a donation, and the number of points is the number of points that have been donated by the user. These donation-related information corresponds to the donation destination and the number of donation points in the customer database 103. For example, XXXXXX fund is stored in the donation destination, 2012.7.1 is recorded in the donation date, and 10,000 points are stored in the number of donation points.

  The revocation point database 107 is a part that manages information related to revoked points. FIG. 12 is an explanatory diagram showing an example of information stored in the revocation point database. As shown in FIG. 12, the revocation point database 107 describes date, point number, and issuer information. The date is the date of expiration and is managed on a monthly basis. The number of points is the number of points expired. The issuer is the issuer of expired points.

  The renewal point database 107 is updated so that the control unit 102 reflects the number of revocation points by point issuer result database 105 when it is described. The point management company can access the revocation point database 107 and can make an investment using the revocation points managed here. When the point management company makes an investment of an invalidation point, the invalidation point targeted for investment is subtracted from the invalidation point database 107, and the investment and loan information is transmitted to the fund server 200 described later.

  The fund server 200 is a server that receives information on investment and loan from the point management server 100 via the network N and receives information on investment and loan results from an investment and loan company. Further, the fund server 200 can manage information related to investment and loan by transmitting information related to commission to the point management server 100.

  As shown in FIG. 3, the fund server 200 includes a communication unit 201 (redemption amount information reception unit, return point notification unit), a control unit 202 (return point calculation unit), an investment management database 203 ( Investment and loan information storage means), dividend distribution table 204, fund management database 209, return distribution intermediate table 205, and return distribution database 206.

  Next, each component of the fund server 200 will be described. The communication unit 201 is a part that receives information relating to investment and financing from the point management server 100 based on a user instruction. The information on investment and loan includes information such as the number of points targeted for investment and loan, the investment and loan destination, and the number of investment and loan points.

  The control unit 202 is a part that receives a redemption amount as a result of the investment and loan from the investment and loan company, and calculates a received amount of the point management company and an individual commission amount based on the redemption amount. The redemption amount accepting process may be accepted via the communication unit 201 via a network, or may be accepted when an operator operates an operation unit (not shown).

  The amount received by the point management company is information on the amount of earnings and reserves of the point company. Specifically, it will be described in detail in the following explanation of each database that the fund server 200 has.

  The investment and management database 203 is a part that manages investment and loan information related to investment and loans such as users and member stores. FIG. 7 is a diagram illustrating an example of investment and loan information stored in the investment and loan management database 203. As shown in FIG. 7, the investment management database 203 includes the investment of member NO / member store number, number of investment target points, date, investment destination, number of investment points, number of loan points, number of final balance points. Describes loan information.

  The member NO / member store name is identification information for identifying a person or a trader who invests. The number of points targeted for investment and financing is the number of points targeted for investment and financing, and is the number of points transmitted from a user or the like when requesting investment or financing. The date is the date of request for investment. The investment and loan destination is information indicating an object of investment and loan. The number of investment points is the number of points invested and financed. The number of loan points is the number of points to be financed. The final balance point number is the number of points obtained by subtracting the number of investment points from the number of investment target points. The number of points targeted for investment and loan is the number of points transmitted from the point management server 100 to the fund server 200 for making investment and loan, and the number of investment and loan points is the number of points actually invested and financed. is there. Investment and lending is performed within the range of the number of points targeted for investment and lending.

  Some merchants are described as investors / traders, but the merchant does not actually invest or lend, but the points expired by the user out of the points granted by the merchant. This shows that the point management company has invested and financed using. In other words, when the user expires the points issued by the member store that is the point issuing company 800 or the like, the point management company takes over the points. Then, the point management company can make an investment using the revocation point.

  The dividend distribution table 204 is a part that identifies an investment and loan by an investment and loan name and an investment and loan number, and manages information for each investment and loan. FIG. 8 is an explanatory diagram showing an example of information stored in the payout distribution table 204. FIG. 8A is a diagram showing the dividend distribution table 204 in a state before receiving the investment and loan result. FIG. 8B is a diagram showing the dividend distribution table 204 in a state after receiving the investment and loan result. As shown in FIG. 8, the dividend distribution table 204 includes an investment loan name, an investment loan number, an investment loan amount, a redemption amount, the number of investors, a commission distribution rate, a commission fixed amount, a distribution amount, a point management company profit, In addition, information on fund accumulation for the point management company is described. As shown in FIG. 8A, the name of the investment and loan, the investment and loan number, the amount of investment and loan, the number of investors and the commission distribution rate (or commission fixed amount) are described in the database. When the redemption amount is accepted in this state, the distribution amount, the point management company revenue, and the fund accumulation are calculated based on this, and a database as shown in FIG. 8B is created. The

  Here, each item in the payout distribution table 204 will be described. The name of an investment or loan is a name of an investment or loan object such as a fund. The investment and loan number is identification information of an investment and loan object specified by the investment and loan name. The amount of investment and loan is the total amount of investment and loan for the object of investment and loan. The redemption amount is the amount of income obtained from investment and financing. The number of investors is the number of users who invested in one investment object. The commission allocation ratio is a ratio that is allocated from the redemption amount for one investment object. The allocation amount is an individual commission amount (revenue) calculated from the redemption amount and the commission allocation rate. The point management company profit and the point management company fund reserve are amounts received by the point management company from the investment and loan results. A fixed amount of commission may be adopted instead of the commission distribution rate. The commission fixed amount defines a commission amount per user.

  For example, in FIG. 8 (a), the name of investment and loan is described as venture investment and loan A, and the investment and loan number is described as 2012-02-001. The investment and loan amount for this investment and loan target is 1,000,000 yen, the number of investors is 20, and the commission distribution rate is 80%.

  Each item in these databases is extracted and created by the control unit 202 at the time of an investment request from the point management server 100. Note that the creation timing is not limited to this, and the creation timing may be created when the redemption amount is received. The commission allocation rate is a fixed value designated by the operator of the fund server 200, and the allocation amount for the user is determined based on the commission allocation rate.

  When the redemption amount is received, the user's distribution amount, the point management company profit and the fund accumulation are calculated based on the redemption amount. For example, the database in FIG. 8A describes the amount of investment and loan, the number of investors and the commission distribution rate. When the redemption amount is accepted, as shown in FIG. 8B, the user's distribution amount, the point management company profit and the fund accumulation are calculated. In other words, if a redemption amount of 1,2,000,000 yen is accepted, the distribution amount is calculated as 160,000 yen, the point management company revenue is calculated as 20,000 yen, and the fund reserve is calculated as 20,000 yen. Described.

  The return distribution intermediate table 205 is an intermediate table for distributing a return corresponding to the investment amount to each user who has made an investment. FIG. 10A is an explanatory diagram illustrating an example of the return distribution intermediate table 205. As shown in FIG. 10 (a), this return distribution intermediate table 205 includes investment source, investment number, investment loan amount, redemption amount, point company revenue, final distribution balance, and point management company reserve information. Is described. The various information described here is extracted from the payout distribution table 204.

  The return distribution database 206 is a database for managing distribution money for each user who has invested and financed. FIG. 10B is an explanatory diagram showing an example of the return distribution database 206. As shown in FIG. 10B, the return distribution intermediate table 205 includes an investor who indicates the user who made the investment, investment number, investment amount, commission distribution rate, commission amount, total distribution amount, point account. Information on each investor, including the return date and the account name is described.

  The investor and loaner corresponds to the member number / member store name in the investment and loan management database 203. The investment amount is equivalent to the number of investment points in the investment management database 203 and is the amount invested by each user. The investment and loan number corresponds to the investment and loan number of the return distribution intermediate table 205 or the investment and loan number of the return distribution database 206, and is identification information of the object of investment and loan. The commission allocation rate is a rate allocated to the investment and loan result, and is determined based on the ratio between the investment amount of all users and the investment amount of each user. The commission amount is an amount calculated as an individual commission (revenue) in accordance with the profit obtained by subtracting the investment amount from the final distribution balance (see the return distribution intermediate table 205) and the distribution rate. The total amount of distribution is the sum of investment and loan amounts. The return date to the point account is a date on which the result of the investment and loan is returned to the number of return points in the customer database 103. The account name is an account name that returns the number of points.

  The investment creditor, the investment loan number, and the investment loan amount are obtained from the member No./member store name and the number of investment loan points described in the investment management database 203, and the investment loan number is obtained from the dividend distribution table 204. Or otherwise obtained from the database. The return date to the point account is determined in advance, and the account name is determined for each individual as personal information.

  The fund management database 209 manages investment and loan information for each investment and loan company. FIG. 9 is an explanatory diagram showing an example of information stored in the fund management database 209. As shown in FIG. 9, the fund management database 209 includes an investment source, an investment date, an investment number, an investment amount, an investment and loan destination, a minimum guarantee amount setting, a redemption date, a redemption amount, and a point management company. Information on revenue, final distribution balance, and point management company fund reserves are described.

  The second donation database 207 manages points donated from the revocation point database. When revocation points expire, they are stored in the revocation point database. Here, the data stored in the second donation database 207 is the same information as the first donation database 106. Since the expired points are managed by the point management company, the donation destination and the number of points to be donated are designated by the point management company.

  Deposit server 300 accepts a transfer of an amount corresponding to the number of issued points from point issuing company 800 or the like. The deposit server 300 has a deposit database 301. The deposit server 300 checks the consistency between the information for each point issuer company etc. 800 stored in the deposit database 301 and the point issuer-by-point result database 105 of the point management server 100.

  The external point conversion server 600 is a server that converts an external point given in the service of another company transmitted via the user terminal 700 into a point of the point management company of the present embodiment in accordance with an instruction from the user. The external point conversion server 600 has an external point addition database 601 and an external point conversion table 602. The external point conversion table 602 is a table for storing point conversion rate information when converting an external point not managed by the point management company and a point of the point management company. The external point addition database 601 refers to each user in order to add the external points converted with reference to the external point conversion table 602 to the accumulated usage points of the customer database managed by the point management server 100. This is a database for managing the number of points to be added. The addition of the number of points may be performed at any time, or may be performed every time limit by batch processing. The point management server 100 adds the points converted based on the external points assigned by the external point conversion server 600 to the accumulated use points, and stores the accumulated use points in the customer database 103. In this case, the converted date is used as the usage time / use date, and the other items are blank.

  Subsequently, the user terminal 700 will be described. The user terminal 700 is a terminal that makes a request for investment and financing to the point management server 100 via the network N, and is a personal computer or the like that can communicate with the network.

  The user terminal 700 includes a CPU, a main storage unit including a ROM and a RAM, an auxiliary storage unit including a hard disk, a communication unit that transmits and receives data to and from other communication devices, a keyboard, An input unit composed of a pointing device and an output unit composed of a monitor are provided. Each function operates a communication unit, an input unit, and an output unit under the control of the CPU.

  When the user terminal 700 requests the point management server 100 to extract a current accumulated use point (owned point), the user terminal 700 receives a result of a request for the current accumulated use point from the point management server 100. Then, the user terminal 700 inputs the number of investment target points, the investment destination and the number of investment points on the investment instruction screen for transmitting investment information to the point management server 100, and notifies the point management server 100 of the input points. be able to. In addition, the user terminal 700 can accept the input of cash information (transfer from a bank account, etc.) when investing and financing points by a user operation, and can purchase and finance points. When the point management server 100 accepts the point purchase request from the user terminal 700 together with the purchase number of points, the account settlement processing is performed, and then the points are generated and stored in the customer database 103 as accumulated use points. .

  Furthermore, in the operation of the user terminal 700, a destination to which the user invests may be selected based on the type of the user. The point management server 100 stores the user membership number and the user type in a management table (not shown), and displays an investment instruction screen that allows the user to select an investment destination according to the user type. Can be displayed. The point management server 100 has an investment and loan management table (not shown 9) indicating the type of user and the investment and loan destination, and can present an investment and loan instruction screen according to the investment and loan management table. .

  The point issuer company, etc. 800 is a company or a store group that issues points. A user can acquire points by purchasing goods or services at a point issuing company or the like. That is, each point issuing company, etc. 800 is provided with a terminal for issuing points. For example, in order to give a point to a user by causing the terminal to read a point card held by the user. The member number indicating the user, the usage amount, and the granted points are transmitted to the point management server 100. On the other hand, an amount corresponding to the number of issued points is transferred to the deposit server 300.

  Subsequently, the operation of each server when the user invests points will be described with reference to the sequence diagram shown in the figure.

  First, the case where investment and loan is received from the user terminal 700 will be described with reference to FIG. In response to a user operation, the user terminal 700 accesses the point management server 100 and transmits a request for confirmation of the number of accumulated used points of the user (S101). Here, for example, when the user logs in by inputting the member number at the time of access, the point management server 100 can specify the user.

  In the point management server 100, when the communication unit 101 receives a request from the user, the control unit 102 extracts the current accumulated usage point number of the user according to the member NO from the customer database 103 ( S102). Then, the communication unit 101 transmits the extracted number of points to the user terminal 700 (S103).

  When the number of points is received from the point management server 100, the user terminal 700 displays an investment and loan instruction screen for inputting the number of investment target points, the investment and loan destination, and the number of investment and loan points. In accordance with the investment and loan instruction screen, the user inputs investment and loan information such as the number of investment and donation target points, the investment and loan destination, and the number of investment and loan points (S104). Note that the amount of money to be invested and loaned (not the number of points) may be input together. Then, the user terminal 700 notifies the point management server 100 of the number of investment target points, the investment destination and the number of investment points input by the user (S105).

  Here, in the investment and loan instruction screen, it is possible to select an investment and loan destination according to the type of the user. For example, if the user is an individual, a selection that allows the selection of an individual investment and loan destination You may make it display a screen, and if it is NPO, you may make it display the selection screen which can select the investment and loan destination for NPO. Therefore, a point management server 100 includes a management table (not shown) in which the user type is associated with the user's member NO and an investment management table (not shown) in which the user type is associated with the investment destination. The point management server 100 can provide a user (user terminal 700) with an investment / instruction instruction screen according to the user type.

  In the point management server 100, when the communication unit 101 receives user investment information from the user terminal 700, the control unit 102 associates the number of investment points in the customer database 103 with the member number of the user of the user terminal 700. Remember. Then, the control unit 102 calculates accumulated use points that are the balance of the number of points held by the user (S106).

  Next, in the point management server 100, at a predetermined timing (for example, it may be immediately after the acceptance period of the investment or loan or the update process in S106), the communication unit 101 determines the member NO and the investment target point for identifying the user. The fund server 200 is notified of investment trust information such as the number, investment and loan destination, and number of investment and loan points (S107). In the fund server 200, when the communication unit 201 receives the investment and loan information from the point management server 100, the control unit 202 stores the number of investment target points and investment in the investment management database 203 in association with the user's member NO. The loan destination and the number of investment and loan points are stored (S108).

  By the way, regarding the above-described investment and loan selection instruction screen, generally, when the upper limit of the amount of investment of the investment and loan destination is reached, further investment and financing cannot be performed. In this embodiment, it is possible to have the same upper limit, and to accept investments and loans on a first-come-first-served basis. When the upper limit is reached, the investment and loan destination that has reached the upper limit is displayed on the investment and loan selection instruction screen You can avoid it.

  On the other hand, as a modified example, priority can be given to a user with a large number of possessed points. That is, the point management server 100 accepts investment and loan during a predetermined investment and loan recruitment period, and when the upper limit of the solicited amount is reached, it is possible to preferentially accept a user with a large number of possessed points.

  That is, the point management server 100 accepts investment and loan points for a single investment and loan destination from a plurality of users. Then, after the recruitment period, at the time of investment and loan registration processing, the investment and loan points are registered as investment and loan destinations from users with a large number of possessed points, and when the upper limit is reached, the investment and loan registration is terminated. . And about the user who was not able to carry out investment financing, the process which returns the point is performed.

  Therefore, for users with a relatively small number of possessed points, it becomes impossible to make an investment for an investment destination that has reached the upper limit, but this gives the user the motivation to acquire the number of points. it can.

  Next, the case where the investment management result is notified to the point management server 100 will be described with reference to FIG. In the fund server 200, when the investment and loan destination (investment and loan number) and the redemption amount are designated by the investment and loan company, the communication unit 201 receives the investment and loan destination and the redemption amount from the investment and loan company. Note that the operation unit (not shown) may accept the redemption amount by an input from the operator (S201). Then, in the fund server 200, the control unit 202 aggregates the records having the designated investment and loan destinations from the investment and loan management database 203 to generate the dividend distribution table 204. Then, the control unit 202 calculates a point management company receipt (acquisition, accumulation) and an allocation amount (S202). After that, the control unit 202 creates a return distribution intermediate table 205 (S203), creates a return distribution database 206 (other than the commission amount and total distribution amount) based on the return distribution intermediate table 205 (S204), and the commission amount of each investor. Then, the total distribution amount is calculated (S205).

  Next, in the fund server 200, the control unit 202 determines whether or not the return date to the account has arrived (S206). When the return date to the account has arrived, the communication unit 201 notifies the point management server 100 of the commission amount and the total distribution amount associated with each user (S207). In the point management server 100, the control unit 102 performs a process of reflecting the commission amount and the total distribution amount associated with each user in the customer database 103. Specifically, the control unit 102 individually calls a database determined for each user from the database 103 for each customer, and adds a record that describes the notified total distribution amount as the number of return points to the database. (S208).

  Next, a case where the point issuer company etc. 800 notifies the point management server 100 about the issuance of points and the like will be described with reference to FIG. FIG. 15 is a sequence diagram showing processing for point issuance.

  When issuing points at the point issuer company 800, the terminal of the point issuer company 800 displays a point input screen, and uses user (member No.), amount used, number of points awarded, number of exchange points The input of the number of directly attached points is accepted (S301). By reading the point card with a card reader or the like, it is possible to accept input of these information in a batch. Then, in the point issuer company etc. 800, the terminal, with respect to the point management server 100, the issuer information for identifying the point issuer company etc. 800, the member number of the user, the usage amount, and the number of points granted The number of exchange points and the number of directly attached points are notified (S302).

  In the point management server 100, the control unit 102 displays the member number, usage amount, number of granted points, number of exchange points, and number of direct points received by the communication unit 101 for each user store together with the issuer information. It memorize | stores in the performance database 104 (S303). At the same time, the control unit 102 stores the member number of the user, the amount of money, the number of points granted, the number of exchange points, and the number of direct points in the customer database 103 (S304).

  As described above, the database for each use store and the database 103 for each customer are created for each user and each use store, and the points used at various use stores can be managed in a unified manner. In this way, points acquired at various user stores can be targeted for investment and financing in accordance with user instructions.

  Next, the function and effect of the point investment and operation management system 1 configured as described above will be described.

  This point investment and loan operation management system 1 includes at least a point management server 100 that stores a customer database 103 that is point management information of the number of points for each user, and an investment and loan of investment and loan destinations and the number of investment and loan points to be invested. A fund server 200 that stores an investment and management database 203 that is information.

  In the point management server 100, the customer database 103 stores, for each user, point management information including the number of accumulated use points, the number of investment points and the number of return points, which is the number of owned points. And the communication part 101 receives the point issued with respect to the user in the point issuer companies etc. 800 which are point issuers by the purchase of goods in a store etc. by a user. The received points and the like are stored in the customer database 103 by the update process by the control unit 102 one by one.

  The communication unit 101 receives investment and loan information on the investment and loan destination and the number of investment and loan points to be invested from the user terminal 700 of each user. When accepted, the fund server 200 is notified of the investment and loan destination and the number of investment and loan points in accordance with control by the control unit 102. At the same time, the control unit 102 performs a process of subtracting the amount of investment trust points invested and loaned from the accumulated use points that are the stored points stored in the customer database 103.

  Then, at the time of redemption processing for investment and financing, the communication unit 101 receives return information including return points for investment and financing of each user from the fund server 200. Then, the control unit 102 updates the point management information stored in the customer database 103 based on the received return information.

  On the other hand, the fund server 200 stores investment and loan information including the investment and loan destination and the number of investment and loan points notified from the point management server 100. When the redemption amount for the investment and loan is received from the investment and loan company or the like via the communication unit 201 or the like, the control unit 202 displays the received redemption amount and the investment and loan information stored in the investment and loan management database 203. Based on the above, a return point for each user is calculated. The communication unit 201 notifies the point management server of return information including the calculated return point of each user.

  As a result, the point management server 100 can manage points issued from various point issuing companies 800 and the like, and can divert the collected points to investment and financing. Therefore, it is possible to efficiently invest points.

  Further, in the point management server 100, the management table stores the user member NO and the type thereof in association with each other, and the investment instruction screen that allows the user to select an investment destination according to the type of the user Can be displayed on the user terminal 700. Thereby, the investment according to a user's classification can be performed. As a premise, the point management server 100 has an investment and loan management table (not shown 9) indicating the type of user and investment and loan destination, and displays an investment and loan instruction screen based on this on the user terminal 700. Can be provided.

  Further, in the point management server 100, the control unit 102 acquires the revocation point expired by the user from the point management information stored in the customer database 103. That is, the control unit 102 determines the revocation point at a predetermined timing, and updates the point management information stored in the customer database 103 based on the revocation point.

  On the other hand, the control unit 102 stores the revocation point management information including the acquired revocation point and the issuer of the revocation point in the revocation point database 107. Then, the point management company accesses the revocation points stored in the revocation point database 107, and enables investment and financing instructions.

  Thereby, since the investment and financing can be performed even for the expired point, the investment and financing efficiency can be improved.

  Moreover, the point investment management system 1 of this embodiment is further provided with the external point conversion server 600 which produces | generates the point based on the external point provided in the external service according to the instruction | indication from a user. Then, the communication unit 101 and the control unit 102 in the point management server 100 accept the external point transmitted from the external point conversion server 600 and store the external point for each customer in the customer database 103.

  Thereby, the points acquired in the external service can be targeted for investment.

  In the point management server 100, the control unit 102 generates points in response to a user's purchase request, and the customer database 103 adds the generated points to the accumulated use points and stores them as accumulated use points. .

  As a result, in addition to obtaining points by purchasing products, it is also possible to purchase points directly, and to make the points eligible for investment.

DESCRIPTION OF SYMBOLS 100 ... Point management server 101 ... Communication part 102 ... Control part 103 ... Database according to customer 104 ... Result database according to use shop, 105 ... Result database according to point issuer, 106 ... First donation database, 107 ... Expired point Database, 200 ... Fund server, 201 ... Communication unit, 202 ... Control unit, 203 ... Investment management database, 204 ... Dividend distribution table, 205 ... Return distribution intermediate table, 206 ... Return distribution database, 207 ... Second donation database, 209 ... Fund management database, 300 ... Deposit server, 301 ... Deposit database, 600 ... External point conversion server, 601 ... External point addition database, 602 ... External point conversion table, 700 ... User terminal, 800 ... Point issuance Former companies.

Claims (7)

A point investment management system comprising: a point management server for storing point management information for the number of points for each user; and a fund server for storing investment and loan information for investment and loan destinations and the number of investment and loan points. ,
The point management server
Point storage means for storing point management information including the number of owned points, the number of investment and loan points, and the number of return points for each user;
In each of a plurality of point issuers, issue point reception means for receiving points issued to the user,
Investment and loan information notifying means for notifying the fund server of investment and loan destinations and investment and loan points;
Return information receiving means for receiving return information including return points for investment and financing of each user from the fund server;
Points stored in the point storage unit based on the points received by the issuing point reception unit, the investment and loan points notified by the investment information notification unit, and the return information received by the return information reception unit An update means for updating the management information;
With
The fund server
Investment and loan information storage means for storing investment and loan information including investment and loan destinations and investment and loan points notified by the investment and loan information notification means;
A redemption amount information receiving means for receiving redemption amount information;
Return point calculating means for calculating a return point for each user based on the redemption amount received by the redemption amount information receiving means and the investment and loan information stored in the investment and loan information storage means;
Return point notifying means for notifying the point management server of return information including the return point of each user calculated by the return point calculating means;
A point investment and loan operation management system. An external point conversion server that generates a point based on the external point given in the external service according to an instruction from the user;
The issuance point accepting means accepts a point transmitted from the external point conversion server,
The point investment and operation management system according to claim 1, wherein the point storage unit stores the accepted external points as possession points. It further comprises point generation means for generating points in response to a user purchase request,
The point investment management system according to claim 1, wherein the point storage unit stores the points generated by the point generation unit as possession points. From the user terminal of each user, further comprises investment and loan information receiving means for receiving investment and loan information of the investment and loan destination and the investment and loan points to invest,
The point investment and loan operation according to any one of claims 1 to 3, wherein the investment and loan information notifying unit notifies the fund server of an investment and loan destination and investment and loan points received by the investment and loan information receiving unit. Management system. In the point management server,
The point storage means includes
An investment destination notification for notifying a user terminal held by the user of an investment and loan instruction screen that enables selection of an investment and loan destination set based on identification information for identifying the user stored in the point storage means The point investment and loan operation management system according to claim 4, further comprising means. Of the point management information stored in the point storage means, the revocation point acquisition means for acquiring the revocation point expired and updating the point management information stored in the point storage means based on the revocation point; ,
Revocation point storage means for storing revocation point management information including the revocation point acquired by the revocation point acquisition means and the issuer of the revocation point;
An investment and loan instruction receiving means for receiving an investment and loan instruction for the revocation point stored in the invalidation point storage means;
The point investment and loan operation management system according to any one of claims 1 to 5. In the point investment management method in the point management server that stores the point management information of the number of points for each user and the fund server that stores the investment and loan information of the investment and loan destination and the number of investment and loan points,
The point management server
For each user, a point storage step for storing point management information including the number of owned points, the number of investment and loan points and the number of return points in the point storage means;
In each of a plurality of point issuers, an issue point reception step for receiving points issued to the user;
Investment and loan information notifying step of notifying the fund server of investment and loan destinations and investment and loan points;
Return information receiving step for receiving return information including return points for investment and financing of each user from the fund server;
Points stored in the point storage means based on the points received by the issuing point reception step, investment and loan points notified by the investment information notification step, and return information received by the return information reception step An update step for updating the management information;
With
The fund server
An investment and loan information storage step of storing investment and loan information including the investment and loan destination and the investment and loan points notified by the investment and loan information notification step in an investment and loan information storage unit;
A redemption amount information reception step for receiving redemption amount information;
A return point calculation step for calculating a return point for each user based on the redemption amount received by the redemption amount information reception step and the investment and loan information stored in the investment and loan information storage unit;
A return point notification step of notifying the point management server of return information including the return point of each user calculated by the return point calculation step;
A point investment and loan operation management method.

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