JP2018037080A - Stock ownership device for common consumer, program, and method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To promote a re-purchase and a continuous purchase of merchandise and the like by giving stocks of the enterprise that provides the merchandise for the purchase of the merchandise of the common consumer.SOLUTION: A stock ownership device for common consumer is configured to include: member basic information DB 21 for storing member information for specifying a member who is a common consumer; a sales amount detail DB 23 for receiving sales amount information of the merchandise and the like purchased by the member from a sales store device 30 so as to be stored as sales amount detail information for each member; a stock given ratio DB 24 for storing stock given ratio information showing the stock given associated with the merchandise purchased by the member and the given ratio thereof; stock acquisition calculation means 14 for calculating the number of stocks acquired for each member based on the sales amount detail information and the stock given ratio information; and a holding stock DB 26 for storing the number of stocks acquired based on the number of stocks calculated by the stock acquisition calculation means 14 as the holding stock information for each member in association with the member information.SELECTED DRAWING: Figure 1

Description

  The present invention relates to a technology for encouraging consumers to increase their willingness to purchase or continuously purchase by giving added value such as a privilege to consumers who have purchased / settled goods or services. A general consumer holding association that can provide a system similar to an employee holding association of a company by granting shares of the company that provides the commodity to the purchase of the consumer product The present invention relates to an apparatus and a program and method used therefor.

In general, an added value such as a privilege is given to a consumer who has purchased / settled a product or service provision, thereby encouraging improvement of the consumer's purchasing motivation or continuous purchase.
A typical service for giving such benefits to consumers is a service called point grant / point return.
This type of point grant service gives points to consumers who have purchased or settled a product or service offer (hereinafter simply referred to as “product etc.”) at a rate corresponding to the purchase price. Will be used for the purchase of products, etc. from the next time onwards, so that it can be used in the same way as cash.
In addition, in the case of a credit card or the like, points are given according to the monthly card payment amount, and a certain number of points can be exchanged for a predetermined exchange target product or the like.

However, such point grant services are mainly provided by merchandise dealers, sales companies, and credit companies, and are used to continuously promote the purchase and settlement of products with the same sales company and credit card. It has become a thing.
For this reason, for manufacturers and service providers that provide products, means and methods that can effectively provide benefits, etc., that can promote consumers to purchase their products, etc. regardless of the sales company or credit company. Was desired.

Here, for example, in Patent Document 1, when a point is given to a user who has made a payment using a point card or a credit card, the user is given insurance, stock, It has been proposed to be able to purchase arbitrary financial products such as government bonds.
According to the technique disclosed in Patent Document 1, the points accumulated by purchasing a product etc. can be applied to the purchase of a desired financial product regardless of the store or credit company that purchased the product etc. It is possible to purchase any insurance or stock at the discretion of the user.

Patent Document 1: Japanese Patent Application Laid-Open No. 2009-043007

However, what is proposed in Patent Document 1 is merely that the points given in the purchase of products etc. can be used / applied to financial products other than products provided by dealers and credit companies. For example, it did not promote re-purchase or continuous purchase of products of a specific manufacturer or service provider.
In addition, financial products purchased using points are only selected and determined at the discretion of the user. For example, the manufacturer's shares related to a specific product are encouraged to be purchased in relation to or linked to the purchase of the product. I could n’t. In the first place, purchasing the stock itself was left to the user's judgment, and it was possible not to purchase the stock.

For this reason, in the technique of cited document 1, although it is a product etc. sold / provided at a store etc., it is not restricted by the store etc., but is associated with a manufacturer or a service provider that provides the product etc. However, it was not possible to encourage consumers to repurchase, continue to purchase, or buy stock from the manufacturer.
The development of a new technology that can solve such problems and demands has been desired, but no effective proposal has been made so far.

  The present invention has been proposed in order to solve the problems of the conventional techniques as described above, and in the purchase of general consumer products, etc., the stock of the company that provides the products, etc. By granting it, it is possible to promote the repurchase or continuous purchase of the product, etc. purchased / settled via the store, credit card, etc., regardless of the store, etc. The purpose of the present invention is to provide a general consumer holding device, a program and a method used therefor, which can encourage the purchase of stocks of companies that provide products and the like.

  In order to achieve the above object, the general consumer holding device of the present invention is based on sales information of products purchased by members who are general consumers, and shares related to the purchased products are held by the members. A member information storage means for storing member information for specifying the member, and sales information of products etc. purchased by the member from the store device, Sales details storage means for storing as separate sales details information, stock grant rate storage means for storing stock grant information related to the product that the member can purchase and stock grant rate information indicating the grant rate, Stock acquisition calculation means for calculating the number of shares to be acquired for each member based on the sales details information and stock grant rate information, and the number of shares acquired based on the number of shares calculated by the stock acquisition calculation means , In association with the serial member information is configured to include a and held holding storage means for storing as held holding information for each of the members.

Moreover, this invention can be comprised as a holding society program for general consumers performed with the above-mentioned present invention by the holding apparatus for general consumers.
Furthermore, the present invention can also be configured as a general consumer holding method that can be implemented by the general consumer holding device and program according to the present invention as described above.

According to the present invention, purchase / settlement via a store, a credit card, etc. is performed by giving shares of a company that provides the product etc. as a share for purchase / settlement of a product, etc. of a general consumer. It is possible to promote the repurchase or continuous purchase of the product or the like regardless of the store or the like. Furthermore, it is possible to encourage the purchase of stocks of companies that provide such products.
As a result, it is possible to provide general consumers with asset formation services similar to company employee holding associations through the purchase and settlement of products, etc., and useful sales to companies that provide products etc. It can be used as a tool for promotion, advertising, and securing stable stockholders.

It is a block diagram which shows the structure of the system provided with the general consumer holding association apparatus which concerns on one Embodiment of this invention. It is explanatory drawing which shows typically DB (database) provided with the general consumer holding association apparatus which concerns on one Embodiment of this invention. It is a flowchart of an example of the processing operation in the general consumer holding association apparatus which concerns on one Embodiment of this invention. It is explanatory drawing which shows an example of the display screen output and displayed on the member terminal side in the general consumer holding association apparatus which concerns on one Embodiment of this invention. It is explanatory drawing which shows the other example of the display screen output and displayed on the member terminal side in the general consumer holding association apparatus which concerns on one Embodiment of this invention.

DESCRIPTION OF EMBODIMENTS Hereinafter, embodiments of a general consumer holding device according to the present invention will be described with reference to the drawings.
Here, the general consumer stock holding apparatus of the present invention described below is realized by processing, means, and functions executed by a computer according to instructions of a program (software). The program can send commands to each component of the computer to perform the following predetermined processing and functions according to the present invention. That is, each process, means, and function in the present invention are realized by specific means in which a program and a computer cooperate.

  Note that all or part of the program is provided by, for example, a magnetic disk, optical disk, semiconductor memory, or any other computer-readable recording medium, and the program read from the recording medium is installed in the computer and executed. The The program can also be loaded and executed directly on a computer through a communication line without using a recording medium. In addition, the general consumer holding device according to the present invention may be configured by a single information processing device (for example, one personal computer), and a plurality of information processing devices (for example, a plurality of server computer groups). Etc.).

[System configuration]
FIG. 1 shows a system configuration including a general consumer holding association apparatus according to an embodiment of the present invention.
The system according to an embodiment of the present invention shown in the figure is for a general consumer having a stockholder server 1 for general consumers, a member terminal 2, a dealer apparatus 30, a corporation apparatus 40, and a securities company apparatus 50. It is configured as a holding society system.
The general consumer holding server 1, the member terminal 2, the dealer apparatus 30, the corporation apparatus 40, and the securities company apparatus 50, which constitute the general consumer holding system, are each configured by an information processing apparatus (computer). For example, they are connected to each other via a predetermined network such as the Internet so that data communication is possible.

[Stockholders server 1 for general consumers]
The general consumer holding server 1 is an information processing apparatus for granting stocks related to purchased products as stocks of the members based on sales information of products purchased by members who are general consumers. Yes, it constitutes a general consumer holding device according to the present invention.
Specifically, the general-purpose stockholder server 1 is configured by, for example, a server system including one or two or more server computers or one or two or more virtual servers built on a cloud computing service. Can do.
In addition, it is also possible to make the member terminal 2 have the functions and components of the general consumer holding server 1 shown in FIG. For example, some functions and configurations of a general consumer holding society API 10 and a general consumer holding society DB 20 to be described later can be implemented in the member terminal 2.

The general consumer holding server 1 includes an OS (Operating System), a DBMS (DataBase Management System), and the like (not shown), and is operated as a server computer.
The general consumer holding server 1 is implemented with a general consumer holding API 10 as software operating on middleware such as a Web server program.
This general consumer holding API 10 publishes and provides applications that can be used in the form of API (Application Programming Interface) to one or more member terminals 2 via a network such as the Internet. As a result, each member terminal 2 executes the function of the general consumer holding device 1 according to the present invention by calling a dedicated application program or web browser provided to the user of the system. Can do.

The general consumer holding server 1 includes DBs 21 to 26 described later that are implemented as a database, and predetermined information necessary for the operation of the general consumer holding server 1 according to the present embodiment. Is provided with a general consumer holding DB 20 serving as a storage means for acquiring and accumulating.
In the general consumer holding society DB 20, as various information resources, basic member information, card management information, sales details information, stock grant rate, stock acquisition number, stock holding number, etc., which will be described later, are stored. Predetermined information required for the general consumer holding server 1 according to the embodiment is stored, and necessary information is read, stored, and updated as the general consumer holding server 1 is operated. The

  The information stored in the general consumer holding server 1 can be acquired and referred to in other programs (for example, applications such as the member terminal 2 and the device 40) via the network. In addition, for example, when the information stored in the general consumer holding server 1 can be acquired / referenced by the stock company device 40 via the network, the stock company (vendor) provided with the stock device 40 Can be used as marketing information by analyzing the purchase amount, purchase frequency, preference, etc. of the member's product etc. from the product purchased by the member, transaction history information of the acquired stock, etc.

The general consumer holding server 1 as described above includes a general consumer holding API 10 and a general consumer holding DB 20 as shown in FIG.
Specifically, the general consumer holding API 10 includes a member basic information registration unit 11, a sales statement data acquisition unit 12, a stock grant rate acquisition unit 13, a stock acquisition calculation unit 14, an invoice creation unit 15, and a stock acquisition unit. 16 is configured to function.
The general consumer holding association DB 20 is configured to function as a member basic information DB 21, a card management DB 22, a sales description DB 23, a stock grant rate DB 24, a stock acquisition number DB 25, and a holding stock DB 26.

Member basic information registration means 11 is means for receiving and inputting basic information of a member for registering and managing as a member of a general consumer who is a user of this system, and storing and registering it in the member basic information DB 21. It is.
The sales details data acquisition means 12 receives and acquires sales information such as products purchased by members registered as members from each store 30 and stores them in the sales details DB 23 as sales details information for each member. Means.
The stock grant rate acquisition means 13 receives the stock granted in relation to the products that can be purchased by the member and the stock grant rate information indicating the grant rate from the corporation device 40 and acquires the stock grant rate information in the stock grant rate DB 24. It is a means for memorizing.

The stock acquisition calculation means 14 is a means for calculating the number of shares to be acquired for each member and the stock acquisition amount based on the sales details information and stock grant rate information described above, and constitutes the stock acquisition calculation means of the present invention. .
The bill creation unit 15 is a unit that creates billing data based on the stock acquisition amount calculated by the stock acquisition calculation unit 14 and creates and outputs a predetermined bill. The bill created here is transmitted to the corresponding corporation (vendor) as electronic data or paper-based bill.
Based on the number of shares calculated by the stock acquisition calculation unit 14, the stock acquisition unit 16 adds up the same number of shares acquired by all members to generate stock purchase information and transmits it to the securities company device 50. It is a means and constitutes the stock acquisition means of the present invention.

FIG. 2 schematically shows a general consumer holding society DB 20 which is a database provided in the general consumer holding society server 1 according to the present embodiment.
As shown in the figure, each of the DBs 21 to 26 of the general consumer holding society DB 20 stores and updates predetermined information stored and read according to the operation of the general consumer holding society server 1. It has become.
The basic member information DB 21 is a storage unit that stores member information for specifying a member, and constitutes a member information storage unit of the present invention. Specifically, the member information stored in the member basic information DB 21 includes an ID and PW (password) as identification information for identifying the member, and a card for identifying at least one member card given to each member. There are numbers, card issuers, card names, etc.

The card management DB 22 is a storage unit that stores card management information related to a member card given to each member. The card management information stored in the card management DB 22 includes information indicating an issuing company of each card, a card name, and a store where the card can be used.
Here, as information on the stores where the cards can be used, for example, stores that are eligible for this system among stores such as stores and retail stores that can use membership cards issued by stores and retail stores are stored and managed. Information etc. are included.

  The sales details DB 23 is storage means for receiving sales information such as products purchased / settled by members from each dealer apparatus 30 and storing them as sales details information for each member, and constitutes the sales details storage means of the present invention. To do. The sales details information stored in the sales details DB 23 is information stored in the sales unit based on the purchase / settlement for each member, and the member ID, member card number, and product identification information ( Name, product number, model number, etc.) and sales details data such as sales amount. The sales detail data is stored in association with a plurality of sales detail data for one member card number.

The stock grant rate DB 24 is storage means for storing stock given in relation to commodities that can be purchased by members and stock grant rate information indicating the grant rate, and constitutes stock grant rate storage means of the present invention. . The stock grant rate information stored in the stock grant rate DB 24 includes a stock company number, stock grant rate, and the like serving as identification information of the stock company.
The stock grant rate information stored in the stock grant rate DB 24 is transmitted from the stock company apparatus 40 that provides the stock, is received by the general consumer holding society server 1, and is stored in the stock grant rate DB 23. It has become.

Here, the stock grant rate information is information indicating the ratio (percentage) of stocks granted for each product or each sales amount, for example.
Moreover, even if it is the same stock company (vendor), a stock grant rate can vary according to every product, every store (retail store), etc., for example.
Further, as the stock grant rate, the grant rate can be varied according to the so-called life point such as the purchase amount or purchase history of a member's specific product. As a result, it is possible to provide incentives for further purchases of the product and the like by providing excellent customers, heavy users, etc. with a stock grant rate different from that of general consumers.

The stock acquisition number DB 25 is a storage unit that stores stock acquisition number information indicating the number of shares acquired for each member calculated by the stock acquisition calculation unit 14 and the stock acquisition amount. The stock acquisition number information stored in the stock acquisition number DB 25 includes member identification information (member ID), a company number for each member, information indicating a stock acquisition amount, and the like.
Based on the stock acquisition number information stored in the stock acquisition number DB 25, the above-described bill creation means 15 creates a predetermined bill and transmits it to the corresponding corporation (vendor).

The holding stock DB 26 is a storage unit that stores the number of shares acquired based on the number of shares calculated by the stock acquisition calculation unit 14 described above as member holding information for each member in association with the member information. Configure the holding stock storage means. The holding information stored in the holding DB 26 includes member identification information (member ID), the number of holdings for each member, information indicating the evaluation value of the holdings, and the like.
Then, the holding information for each member stored in this holding DB 26 is transmitted to the member terminal 2 of the member, and each member can display and browse his / her holding information on the member terminal 2. (See FIG. 4).
The specific functions and operations of each means realized by the general consumer holding server 1 according to the present embodiment as described above will be described later with reference to display screen examples output and displayed on the member terminal 2. (See FIGS. 3 and 4).

[Member terminal 2]
The member terminal 2 is an information processing apparatus that can be used by a member (user) registered as a member in the general consumer holding server 1 according to the present embodiment. For example, a smartphone, a mobile terminal, a PC, and a tablet that the member owns , A PC or a dedicated terminal device installed and provided as a terminal device for a member provided in a store or a credit company.
The user operates the member terminal 2 to call a program (the general consumer holding society API 10) provided by the general consumer holding society server 1, and the general consumer holding apparatus according to the present invention. The functions and services provided can be executed and used.

Specifically, a general consumer holding client application 2a is installed and installed as predetermined software on the member terminal 2 according to the present embodiment, and a program provided by the general consumer holding server 1 (general Consumer holdings API 10) can be called and executed.
In addition, the member terminal 2 is provided with a display means configured by, for example, a touch panel display unit of a smartphone or a tablet, a liquid crystal display connected to a PC, or the like. Through this display means, the predetermined display information generated by the general consumer holding server 1 is displayed on the member terminal 2 so as to be visible.
Here, the display information output / displayed at the member terminal 2 is the basic member information, the holding information, the information indicating the stock grant rate, etc. transmitted / output from the above-mentioned general consumer holding server 1 ( (See FIG. 4 described later).

As described above, each member who becomes a user of the system according to the present embodiment uses the member terminal 2 to access the API, the web application, and the like provided by the general consumer holding server 1 via the Internet or the like. The function of the general consumer holding device according to the present invention can be executed.
However, the present embodiment is not limited to this configuration. For example, by installing and installing dedicated software on the member terminal 2 and directly communicating with the general consumer holding server 1, It is also possible to execute functions of a consumer stock holding apparatus. In this case, the member terminal 2 itself constitutes the general consumer holding society server 1.

[Dealer device 30]
The retail store apparatus 30 is a member of a general consumer such as a convenience store, a supermarket, a department store, a discount store, a home appliance mass retailer, a bookstore, a card company, and the like, and purchases and settles a desired product or service provision (product etc.). An information processing apparatus provided in a store that can perform data communication with the above-described general consumer holding server 1 so that data communication is possible.
In the example illustrated in FIG. 1, the store apparatus 30 (30a, 30b to 30n) is installed in each of a plurality of various stores.

Specifically, each store apparatus 30 includes a POS terminal 31 and a POS server 32, and sales detail data 33 is stored in the POS server 32.
The POS terminal 31 is a terminal device that reads a predetermined card presented by a member, and performs purchase processing / settlement processing of products and the like sold / provided at a store.
Here, examples of the card that can be read and used in the POS terminal 31 of the store apparatus 30 include a point card, a credit card, a distribution prepaid card, various electronic money cards, and a transportation card.
Therefore, a member who uses this system must perform member registration for acquiring any member card in advance. A single member can register and acquire a plurality of types and a plurality of member cards, and a member card can be used by a plurality of members as a family member.

The POS server 32 is an information processing apparatus such as a computer connected to the POS terminal 31, and processes card reading information and purchase / settlement information such as merchandise. Information input / processed by the POS server 32 is generated and stored as sales description data 33.
The information stored as the sales detail data 33 includes user identification information and attribute information, usage date / time and usage amount of the card for each card managed and operated as a card that can be used by the store apparatus 30. There are usage details information indicating usage contents and the like.
Then, information stored as the sales details data 33 is transmitted to the general consumer holding server 1 via the network, and stored in the general consumer holding DB 20 (sales details DB) as the sales details data of each member. It becomes the sales detailed information for each member of the present invention.

[Equipment 40]
The device 40 is an information processing device provided in a company (vendor) such as a manufacturer or a service provider that manufactures / provides the products sold at the convenience stores and mass merchandising stores, and is intended for general consumers. It is connected to the stock holding server 1 so that data communication is possible.
In the example shown in FIG. 1, a corporation apparatus 40 (40a, 40b to 40n) is installed corresponding to a plurality of corporations.

This stock apparatus 40 stores stock grant rate data. The stock company apparatus 40 is configured to store the stock grant rate data, but the stock grant rate data is stored only in the general consumer holding association DB 20 (stock grant rate DB 24). A configuration having a function of referring to the information in the general consumer holding DB 20 and correcting it may be used.
Stock grant rate data is information that shows the grant rate of stocks that each stock company grants as a privilege to general consumers who purchase their products, etc., such as the purchase price, number of purchases, purchase frequency, etc. Depending on the ratio of shares granted.
For example, the share grant rate can be set by changing the ratio of shares to be granted for each product or each sales amount. Further, the grant ratio can be changed according to the cumulative number of shares.

Moreover, even if it is the same stock company (vendor), a stock grant rate can vary according to every product, every store (retail store), etc.
Furthermore, as a stock grant rate, for example, some privilege can be granted according to a so-called life point that indicates how many (how many) the same products have been purchased in the past decades. In this way, it is possible to give incentives that are not found in other consumers to long-term excellent customers for the product or vendor. Specifically, each vendor can change the share grant rate according to, for example, the number of purchases and the purchase period.

The stock provided / granted by a stock company may be the stock of the stock company itself, or a stock of a group company may be granted.
For example, when a certain vendor is a group company, the stock of the group head office to which the vendor belongs can be granted. Specifically, if the head office that manufactures home appliances and an unlisted affiliate that sells the home appliances are group companies, the purchase of the home appliances grants the shares of the head office. Can be done.
Furthermore, when a certain vendor is not a group company but a single company and an unlisted company, shares of other companies (for example, affiliated companies) can be granted.

[Securities company equipment 50]
The securities company device 50 is an information processing device provided in a securities company (securities organization system) that buys and sells shares held as a privilege from a stock company corresponding to the above-described stock company device 40, and is intended for general consumers. It is connected to the stock holding server 1 so that data communication is possible.
In the example illustrated in FIG. 1, a single securities company device 50 is provided, and communication / transactions are performed with the general consumer holding server 1.

To the securities company apparatus 50, stock purchase information including the same number of shares acquired by all members is transmitted from the stock acquisition means 16 of the stockholder server 1 for general consumers. Based on this stock purchase information, stock is purchased in the actual securities market.
Further, when the stock is actually purchased, purchase information indicating the number of shares of the acquired stock and the purchase price is generated by the securities company device 50 and transmitted to the general consumer holding society server 1.
Thereby, in the general consumer holding server 1, the number of acquired shares purchased in the holding DB 26 through the above-described stock acquisition unit 16 is stored as holding information for each member in association with the member information. .

In addition, the securities company apparatus 50 includes a plurality of financial institutions such as general securities companies and Internet securities as well as an information processing apparatus installed in a financial institution that buys and sells stock in response to a customer request. It can also be configured by a securities backbone system that operates a data system including stock trading transactions.
The securities backbone system is a huge server system group owned by an information system company called a so-called system integrator who undertakes the operation of a data system of the financial institution as a business in response to, for example, outsourcing of one or more financial institutions. Configured and operated by As such a securities backbone system, for example, a securities backbone system (STAR (registered trademark)) operated by Nomura Research Institute, Ltd., a bank financial product brokerage system (BESTWAY (registered trademark)), etc. are known. Yes.

[Holding method for general consumers]
Next, a specific processing operation (holding method for general consumers) of the general consumer holding system including the general consumer holding device according to the present embodiment configured as described above will be described with reference to FIG. Will be described with reference to FIG.
FIG. 3 is a flowchart illustrating an example of a processing operation in the system according to the present embodiment.
First, in order to use this system, a general consumer needs to receive a predetermined membership card and possess at least one (one type) membership card corresponding to this system.
In this state, the member performs member registration for using the present system (steps 1 and 2).

Member registration is performed by each member performing an input operation on the member terminal 2 such as his / her smartphone and inputting the member card number and member ID / PW owned and used by the member (step 1).
As a result, an account that can use the system is given to the member.
Information input to the member terminal 2 is transmitted to the general consumer holding server 1 via the network (step 2), and is stored and registered in the member basic information DB 21 via the member basic information registration means 11. (Step 3).

In addition, the account given to a member can register a some member card number with respect to one account. Therefore, the member can register a plurality of membership cards owned by the member, for example, a distribution-type prepaid card, a point card and a credit card of a mass retailer as membership cards used in the present system.
As a result, the member can apply the holding system according to the present embodiment to any member card according to the card used by the user, the type of product to be purchased, the store, or the like. .
In addition, when issuing the membership card itself, if specific information such as the member's name or contact information is required, registration / accounting for this system will be performed in conjunction with the issuance / registration of the membership card. It can also be done.

When a member registered in the system purchases a desired product, etc., the member card registered in the system is presented at an arbitrary store to purchase and settle the product (step) 4).
In the purchase / settlement processing of the merchandise and the like, the POS terminal 31 of the store apparatus 30 performs a predetermined membership card reading process, and a merchandise and its price input / reading process (step 5). Payment / settlement processing using cash or a card is performed (step 5).
Information input and processed by the POS server 32 is stored in the store apparatus 30 as sales details data 33.

At this time, the member registration information is transmitted from the general consumer holding server 1 to the store apparatus 30 (steps 6 to 8).
Specifically, in the general consumer holding server 1, the membership card number is read out from the basic member information DB 21 (step 6), and a dealer or a store related to the dealer apparatus 30 executes this system. Card available store information indicating whether or not the card can be used is read (step 7), and transmitted to the store apparatus 30 via the sales detail data acquisition means 12 (step 8).
As a result, the purchase processing by the membership card of the member registered as a member of this system is verified and authenticated, and the information generated and stored as the sales statement data 33 in the store apparatus 30 is held by the general consumer via the network. It is transmitted to the meeting server 1 (step 9), and stored and registered in the sales details DB 23 via the sales details data acquisition means 12 (step 10).

  Here, the sales details data 33 related to the membership card of the member registered as a member of this system is transmitted to the general consumer holding server 1 via the network. In the sales details data 33, the sales details data 33 relating to the product to be processed by the general consumer holding server 1 or the company that manufactures / sells the product, together with information that can specify the member such as a member ID, the general stock holding server 1 may be a configuration that can be acquired, and registered as a member in this system within the general consumer holding server 1 using the sales details data 33 and the member ID acquired by the general consumer holding server 1 It is also possible to execute processing for specifying the sales details data 33 related to the member card of the member.

In addition to the member registration process and the product purchase process as described above, the stockholder server 1 for general consumers receives the stock granted in relation to the product etc. Stock grant rate information indicating the grant rate is transmitted (step 11) and stored and registered in the stock grant rate DB 24 via the stock grant rate acquisition means 13 (step 12).
In this state, when new sales specification data is acquired by the sales specification data acquisition means 12 described above, the stock acquisition calculation means 14 acquires the number of shares for each member based on the sales specification information and the stock grant rate information. And calculation / calculation processing for calculating the stock acquisition amount is executed (steps 13 to 15).

Specifically, the sales details data is read from the sales details DB 23 (step 13), the stock grant rate is read from the stock grant rate DB 24 (step 14), and the stock acquisition calculation is performed based on these information. The means 14 calculates the number of shares granted to the member in the sales description data and the stock acquisition amount thereof, and the calculation result is stored and registered in the stock acquisition number DB 25 as acquired stock number information (step 175). .
At this time, the calculated number of shares acquired is the number of shares acquired for the member based on, for example, each product / sales amount, the past purchase quantity or purchase history of the member, the cumulative number of shares owned, etc. Is calculated.

Thereafter, a stock purchase process is executed based on the stock acquisition number information calculated by the stock acquisition calculation means 14 (steps 16 to 18).
Specifically, the stock acquisition number information calculated by the stock acquisition calculation means 14 is read from the stock acquisition number DB 25 (step 16) and transmitted to the securities company device 50 via the stock acquisition means 16. (Step 17). The stock acquisition means 16 adds up the same number of shares acquired by all members, generates stock purchase information including the company number to be purchased and the stock acquisition amount, and transmits the information to the securities company device 50. (Step 17). The stock purchase process can be performed at a predetermined timing, for example, once a month on a predetermined date. However, it can be performed every day or every few days, or every time sales details data is generated.

In the securities company apparatus 50, when the securities company actually purchases the stock, the purchase information indicating the result of the number of shares of the acquired stock and the purchase price is input and generated. To the stock holding server 1 (step 18).
In the general consumer holding server 1, when the purchase information transmitted from the securities company device 50 is received, the number of acquired shares purchased via the stock acquisition means 16 is associated with the member information for each member. Is stored in the holding stock DB 26 (step 19).

In addition to the above-described stock acquisition / purchase processing, the general consumer holding server 1 performs bill creation processing (steps 20 to 21).
Specifically, the stock acquisition amount information stored in the stock acquisition number DB 25 is read and input to the bill creation means 15 (step 20). The bill creation unit 15 generates bill data based on the input information, and outputs / creates the bill in the form of electronic data or paper. The created invoice is transmitted to the corresponding corporation (vendor) (step 21).
As a result, the stock company pays the funds (purchase) for the purchase of the company shares granted to the member who purchased the company's products, etc., to the company or the like that operates the general consumer holding server 1. In this case, the amount charged may include, for example, a fee for the management company in addition to the stock purchase price.

As described above, the stock holding information for each member of the purchased / granted stock can be output and displayed on the member terminal 2 of each member.
Information output / display on the member terminal 2 is performed by connecting / accessing the general-purpose consumer holding server 1 from the member terminal 2 and inputting predetermined authentication information (member ID / PW). Predetermined information can be output and displayed. As a result, the member can confirm and grasp the status of stock holdings and the share grant rate at any time, and can use it as reference information for purchasing the next product, etc.
FIG. 4 is an explanatory diagram showing an example of a display screen output / displayed on the member terminal 2 side in the system of the present embodiment.

FIG. 4A is a display example showing the information of the membership card registered in the present system, and the name and card number of the registered card are displayed.
As shown in the figure, a plurality of member card numbers can be registered in one member account.
Further, as shown in the figure, since there may be a case where a plurality of cards of the same type are held, in that case, a plurality of cards can be registered respectively.

FIG. 4B is a display example showing information on the holdings currently held by the member, and the number of holdings and the current evaluation value are displayed for each brand of holdings.
In the example shown in the figure, the two stocks from the top display the number of fractional shares that have not reached the number of unit shares that can be traded.
In addition, it is displayed that the third brand from the top has reached the number of unit shares that can be traded (indicated by an asterisk in the figure).

Here, when the fractional shares granted in this system reach the number of unit shares that can be traded, they can be transferred to an account of a securities company, and can be freely traded away from this system. In addition, when transferring to an account at a securities company, it is necessary to open an account at the securities company in advance. However, an account is opened by establishing a link to the account opening page of the securities company via the API of this system. Can be promoted and induced.
In addition, even if the fractional share reaches the unit share, it is possible to continue to hold the stock as it is in this system. If the stock continues to be held in this system, dividends for the stock can be used as the stock purchase price.

Fig. 4 (c) is a display example showing the stock grant rate by brand for the stocks currently held by the member, and the stock grant rate for each purchase price of goods, etc. is displayed for each brand of stock held. It has come to be.
As shown in the figure, the share grant rate can be changed according to the purchase price, and can also be changed according to the number of shares held. Also, the grant rate can be changed by using both the purchase price and the number of shares held.

It should be noted that the display screen that can be displayed / viewed on the member terminal 2 shown in the above embodiment is merely an example, and it goes without saying that the configuration and content of the screen can be arbitrarily set / changed.
For example, when a product or the like is purchased / settled at a store / retail store or the like, the stock is purchased in real time, and the user can be notified / displayed on the member terminal 2 of the stock distribution result.
Moreover, it can also be displayed so that the number of shares of stock acquired / granted by this system can be seen on other applications such as household account book software installed in the member terminal 2.

Furthermore, on the household account book software as described above, it is possible to pay out shares of the holdings related to this system and to sell the holdings. For example, a program related to this system can be called externally by API. If possible, the program according to the present system can be called on the household account book software, which can be realized.
In such a case, the member can sell immediately by giving a single instruction, that is, by instructing the sale of the shares owned by the holding association. In other words, the stock is paid out at the holding meeting related to this system, the stocks are sold at the securities company in the background, the user gives only one instruction, and the sale is notified after the sale by the background processing. It is possible for a member to receive only.

Further, in the above example, as an example of a display screen output / displayed on the member terminal 2 side, a case where it is displayed on a display unit of a relatively small screen such as a display of a smartphone or a mobile phone is shown ( FIG. 4).
However, the display screen output / displayed at the member terminal 2 in this system can of course be displayed on a relatively large screen display means such as a display means of a PC or tablet terminal.

As described above, according to the present embodiment, a member who is a general consumer purchases and pays for a product using an arbitrary membership card owned by himself or herself. The stocks of companies and vendors that offer the stock will be granted as stockholdings based on the grant rate according to the purchase amount and purchase history.
This makes it possible for members to acquire shares similar to employee holdings of companies that offer products purchased by themselves while being general consumers, and increase incentives for repurchasing and continuing purchases of such products. At the same time, the company's love and attachment to the company will be maintained and enhanced. Furthermore, it will be possible to form useful assets such as holdings, and the interest and interest in the company's stock purchases and stock investments will be aroused.

In addition, according to the holding society system of this embodiment, a privilege service can be provided by granting the company stock to members who purchase the company's product, etc., for the company providing the product, etc. Is a very useful means of sales promotion and advertising.
In particular, it is possible to provide special services to customers by granting their own stock to their products, etc., and granting services for specific products, etc., regardless of sales prices and discounts at retail stores The privilege grant service with a high degree of freedom can be executed at any time.
In addition, customers who are fond of their products, etc. can have their shares held in the form of shares, and they can also purchase their shares directly. It can be used as a useful means to secure stable shareholders.

As mentioned above, although the preferred embodiment has been shown and described for the general consumer holding device, the program, and the method of the present invention, the present invention is not limited to the above-described embodiment, and various within the scope of the present invention. Needless to say, it is possible to implement this change.
For example, in the above-described embodiment, the provision of fractional shares linked to the purchase of products, etc. has been described. Can also be purchased through the system according to the invention. In this way, for example, if it is currently owned, it will not become a unit stock, but it will have a great merit if it will become a unit stock for another 3000 yen.

  In addition, even if the number of shares held by the member has not reached the unit share, shareholder benefits can be distributed. For example, as a shareholder special offer, when a predetermined special offer etc. (for example, a gift product for 2000 yen) is usually distributed to a unit stock, in the present invention, even a half of the unit stock is given Can be given to members (for example, a gift of a plastic bottle at any store).

Further, according to the present invention, a product obtained by multiplying the sales details collected from each store or retailer by the profile information of the individual member (excluding personal information as necessary) is used as a supplier of goods and the like. By providing to a corporation (vendor), a company / company operating a stockholder device for general consumers can collect information provision fees from the vendor.
In this way, in the future, a certain user (member) will collect life points and information such as how many soft drinks (tea, coffee, etc.) from a certain vendor have been purchased for 10 years. Can be analyzed.
Although this is not information that identifies individual members, vendors can promote to members with common attributes, thereby changing (increasing) the share grant rate, It is possible to propose new products to good members.

In addition, the stock grant rate data that can be corrected by each device 40 can be corrected by the person in charge of each device 40 on a product unit or product group basis. It can be corrected in groups.
Furthermore, the stock grant rate data or information related thereto can be displayed on the member terminal of the target member, thereby increasing the willingness of the target member to purchase.

In the above embodiment, it has been explained that when the fractional share reaches the unit share number, it can be transferred to the account of the target user of the securities company. You can also buy and sell at securities companies in units of the system. For example, if there is a stock with 100 unit shares, if it is a stock mini-stock, it can be bought and sold in units of 10 shares.
In the above embodiment, the number of shares to be acquired by the target member is granted based on the sales specification information and the stock grant rate, but the points according to the stock are given based on the sales specification information, predetermined or arbitrary The point acquired based on the conversion ratio of points and stocks at the timing may be converted into stocks. In addition, a plurality of calculation formulas may be used as appropriate for this point calculation. For example, even if the same amount of products is purchased every day, the number of shares that can be acquired varies depending on the conversion ratio, and the total number of shares is the number of shares acquired.
In the embodiment, since the number of shares acquired by the target member is granted based on the sales details information and the stock grant rate, the past sales details information associated with the acquired number of shares, that is, the purchase history Is stored, and a past purchase history associated with the target brand can be referred to according to the user's request. When the user selects a target brand in the brand list of FIG. 5A, an operation for the brand selected in FIG. 5B can be instructed. As one of the operations, FIG. As shown, the past purchase history associated with the above-mentioned target brand is presented. As another operation, there is an exchange application, an exchange application is made for the number of shares that have reached a predetermined unit, and the transfer is made to the account of the target user of the securities company. In this exchange application, after specifying the number of shares desired to be exchanged among the number of shares that have reached a predetermined unit, the transfer is transferred to the account of the securities company of the target user linked in advance. Even after transferring to an account of a securities company, information on the target account is obtained from the system of the securities company using the reference API, and the number of shares after the exchange is displayed in a client application (for example, a list of issues) related to the system. Furthermore, the stock after the exchange can be sold using the updated API, and the number of sales can be presented. In this way, even after the transfer to an account of a securities company or after the sale of shares, the user uses the client application according to this system to acquire all acquired shares based on past purchase behavior. Information can be referenced.

  The present invention is suitable for a sales promotion system or the like for encouraging consumers to increase their purchasing motivation or continually purchase by giving added value such as a privilege to consumers who have purchased goods or services. Is available.

1 general consumer holding server 2 member terminal 10 general consumer holding API
11 Member Basic Information Registration Unit 12 Sales Detail Data Acquisition Unit 13 Stock Grant Rate Acquisition Unit 14 Stock Acquisition Calculation Unit 15 Invoice Creation Unit 16 Stock Acquisition Unit 20 Stockholders' DB for General Consumers
21 Member Basic Information DB
22 Card management DB
23 Sales details DB
24 Share grant rate DB
25 Stock Acquisition DB
26 Holding DB
30 Dealer Equipment 40 Equipment Co., Ltd. 50 Securities Company Equipment

Claims (6)

An information processing apparatus for granting stocks related to purchased products, etc. as stocks of the members based on sales information of products purchased by members who are general consumers,
Member information storage means for storing member information for identifying the member;
Sales details storage means for receiving sales information of products etc. purchased by the member from a store apparatus and storing them as sales details information for each member;
Stock grant rate storage means for storing stock grant information related to products that can be purchased by the member and stock grant rate information indicating the grant rate;
Stock acquisition calculation means for calculating the number of shares to be acquired for each member based on the sales details information and stock grant rate information;
Holding stock storage means for storing the number of shares acquired based on the number of shares calculated by the stock acquisition calculating means as the holding information for each member in association with the member information, Stockholder equipment for general consumers. Based on the number of shares calculated by the share acquisition calculation means, the share acquisition means for generating stock purchase information by adding up the same number of shares acquired by all the members and transmitting it to a securities company device is provided. The holding device for general consumers according to claim 1. The holding apparatus for general consumers according to claim 1 or 2, wherein the holding information for each member stored in the holding stock storage means is transmitted to the member apparatus of the member. The holding for general consumers according to any one of claims 1 to 3, wherein the stock grant rate information stored in the stock grant rate storage means is received from an apparatus that provides the stock. Meeting equipment. A computer that constitutes an information processing device for granting stocks related to purchased products, etc. as holdings of the members based on sales information of products purchased by members who are general consumers,
Member information storage means for storing member information for identifying the member;
Sales details storage means for receiving sales information such as products purchased by the member from a store apparatus and storing them as sales details information for each member;
Stock grant rate storage means for storing stock grant information related to products that can be purchased by the member and stock grant rate information indicating the grant rate;
Stock acquisition calculation means for calculating the number of shares to be acquired for each member based on the sales details information and the stock grant rate information,
The holding number storage means for storing the number of shares acquired based on the number of shares calculated by the share acquisition calculation means as the holding information for each member in association with the member information. General consumer holding program. Based on the sales information of products etc. purchased by members who are general consumers, the computer constituting the information processing device for granting stocks related to the purchased products etc. as the holding of the member,
Member information storage procedure for storing member information for identifying the member,
Sales details storage procedure for receiving sales information of merchandise purchased by the member from the store apparatus and storing it as sales details information for each member;
Stock grant rate storage procedure for storing stock grant information related to products that can be purchased by the member and stock grant rate information indicating the grant rate;
Stock acquisition calculation procedure for calculating the number of shares to be acquired for each member based on the sales details information and stock grant rate information,
A holding stock storage procedure for storing the number of shares acquired based on the number of shares calculated in the stock acquisition calculation procedure in association with the member information as holding stock information for each member is executed. General consumer holding method.