JP2020027522A - server - Google Patents

Abstract

To provide a technology capable of proposing a brand suited to a user from the viewpoint of shareholder special benefit regarding a specialized shareholder special benefit brand.SOLUTION: A server includes the means: for acquiring user information on the user; for determining a shareholder special benefit brand to be proposed from among the shareholder special benefit brands based on the matching result between the acquired user information and the contents of the shareholder special benefit; and for proposing the determined shareholder special benefit brand to the user.SELECTED DRAWING: Figure 5

Description

  The present invention relates to a server that handles information on stocks that are preferred to shareholders.

  With the advancement of information technology, the time when stocks are traded in securities stores is now a thing of the past, and online transactions via the Internet have become dominant instead. Because of its simplicity, online trading has reduced the barriers to equity investment and has helped attract a diverse range of people to equity investment.

  Shareholder benefit refers to a system in which a stock company gives shareholders who have held a certain number or more of their stock certificates on the vesting date. Some people who are considering investing in stocks value this shareholder benefit.

  A service that recommends stocks to those who are considering stock investment is known. For example, Patent Literature 1 discloses a stock issue recommendation system that can recommend a stock issue that is meaningful to a user based on lifestyle information of the user.

JP 2014-182701 A

  In the system described in Patent Literature 1, a brand to be recommended is selected from general brands irrespective of whether or not there is a special offer for shareholders. Therefore, the recommended stocks are not optimized in terms of shareholder benefits. In the first place, there is no guarantee that the nominated stocks include stockholder special offers.

  The present invention has been made in view of these problems, and an object of the present invention is to provide a technology capable of specializing in a special issue for stockholders and proposing a brand suitable for a user from the viewpoint of special offer for shareholders.

  One embodiment of the present invention relates to a server. The server includes means for acquiring user information about the user, and means for determining, from among the special issue brands of the shareholder, a special issue brand to be proposed based on a result of matching between the acquired user information and the content of the special shareholder plan. And means for proposing the determined shareholder special issue to the user.

  Another embodiment of the present invention also relates to a server. This server includes a means for acquiring from the user the purpose of the investment in the shareholder special issue, a means for determining the timing of buying and selling the shareholder special issue according to the acquired purpose, and a method for determining the shareholder special issue according to the determined timing. Means for proposing buying and selling to the user.

  It should be noted that any combination of the above-described components, and any replacement of the components and expressions of the present invention between an apparatus, a method, a system, a computer program, a recording medium storing a computer program, etc. This is effective as an embodiment.

  ADVANTAGE OF THE INVENTION According to this invention, the technique which can propose a brand suitable for a user from a viewpoint of a stockholder special treatment can be provided by specializing in a stockholder special treatment brand.

It is a schematic diagram which shows the outline | summary of the proposal service which concerns on embodiment. It is a schematic diagram which shows the outline of an asset formation type service and a shareholder preferential treatment acquisition type service. It is a schematic diagram which shows an example of a structure of the shareholder preferential issue brand proposal system which concerns on embodiment. It is a hardware block diagram of the proposal server of FIG. FIG. 4 is a block diagram illustrating functions and configurations of a proposal server in FIG. 3. FIG. 6 is a data structure diagram illustrating an example of a user attribute holding unit in FIG. 5. FIG. 6 is a data structure diagram illustrating an example of a user preference holding unit in FIG. 5. FIG. 6 is a data structure diagram illustrating an example of a user action holding unit in FIG. 5. FIG. 6 is a data structure diagram illustrating an example of a shareholder special issue brand holding unit in FIG. 5. FIG. 6 is a data structure diagram illustrating an example of a portfolio holding unit in FIG. 5. It is a typical screen figure of a registration screen displayed on a display of a user terminal. It is a typical screen figure of a proposal screen displayed on a display of a user terminal. It is a typical screen figure of another proposal screen displayed on a display of a user terminal. It is a typical screen figure of the map proposal screen displayed on the display of a user terminal. It is a typical screen figure of a push type proposal screen displayed on a display of a user terminal. FIG. 6 is a data structure diagram illustrating an example of a proposal target holding unit in FIG. 5. It is a representative screen figure of the management screen displayed on the display of a user terminal. It is a typical screen figure of another management screen displayed on the display of a user terminal. It is a typical screen figure of a portfolio display screen displayed on a display of a user terminal. It is a typical screen figure of the map notification screen displayed on the display of a user terminal. It is a typical screen figure of the time limit management screen displayed on the display of a user terminal. FIG. 9 is a representative screen diagram of a holding status notification screen displayed on a display of a user terminal. It is a typical screen figure of a push type purchase notice screen displayed on a display of a user terminal. It is a flowchart which shows the flow of a series of processes in the proposal server of FIG. FIG. 14 is a representative screen diagram showing a part of a shareholder benefit search screen according to a modification example, which is displayed on a display of a user terminal.

  Hereinafter, the same or equivalent components, members, and processes shown in each drawing are denoted by the same reference numerals, and the repeated description will be omitted as appropriate. In each drawing, some of the members that are not important for the description are omitted.

  FIG. 1 is a schematic diagram illustrating an outline of a proposed service according to an embodiment. As shown in FIG. 1A, in a general wrap service, a brand proposed to a user is selected so that the sum of a capital gain and a dividend of a stock portfolio is maximized. In contrast, the proposed service specializes in stockholder special offers and proposes a portfolio that includes stockholder specialties that are optimal for individual lifestyles. As a proposal medium, a user's PC or smartphone is used. As shown in FIG. 1 (b), in the proposed service according to the present embodiment, in addition to the capital gain and dividend of the stock portfolio, a different shareholder preferential value for each individual is considered. In this proposal service, the capital gain, the dividend, and the shareholder benefit value are rebalanced so that the sum is maximized, and a brand to be proposed to the user is selected. In addition, it is possible to select between an asset formation type and a shareholder benefit acquisition type according to the individual's attitude toward investment.

  FIG. 2 is a schematic diagram showing an outline of an asset formation type service and a shareholder benefit acquisition type service. FIG. 2 shows an image of stock purchase / holding timing by service. As shown in FIG. 2A, the shareholder preferential issue brand recommendation service (asset forming service) is a service for forming an asset while holding the shareholder preferential issue brand for a medium to long term. In this service, a stock that is suitable for the user is proposed one or two months before the month in which the right to the benefit of the shareholder is granted. The user selects a purchase brand. The service side executes the purchase of the selected shareholder special issue, and debits the funds required for the purchase from the user's account in the month in which the purchase was made. In this service, basically, no proposal for selling a brand is made, and it is expected that the user will hold the purchased brand for a medium to long term.

The shareholder benefit brand recommendation service is suitable, for example, for users who have investment experience. For such users, for example,
・ We want to form an asset by holding a large amount of money, such as retirement allowances, for a long period of time, but it is difficult to use existing wraps (investment trusts / ETFs).
・ I am worried about shareholder benefits, but it is troublesome to select brands that suit me, and I am busy with work, hobbies, child care, etc.
・ We are doing long-term asset management but want short-term returns,
There is a request that. The shareholder benefit brand recommendation service fulfills such demands.

  As shown in FIG. 2B, the shareholder benefit wrap service (shareholder benefit acquisition type service) is a service for buying and selling stocks with shareholder benefits every month in accordance with the timing at which shareholder benefit rights are granted. The purpose is to actively acquire dividends. This service proposes a brand that suits the user, among the stocks that are given shareholder benefit rights this month. The user selects a brand to buy or sell in the month. The service side buys and sells the selected stocks, and withdraws the funds needed for the deduction from the user's account once every six months.

The shareholder preferential wrap service is suitable, for example, for users who have no investment experience. For such users, for example,
・ I could save a little, but I'm worried about shareholder benefits because the investment trust hasn't seen much movement, but I don't know what to buy,
・ I have no investment experience, so I am reluctant to invest in stocks.
・ I don't have much extra money, so I want to buy and sell frequently for the benefit of shareholders.
There is a request that. The shareholder benefit wrap service fulfills such demands.

  FIG. 3 is a schematic diagram illustrating an example of the configuration of the shareholder benefit brand proposal system 2 according to the embodiment. The shareholder benefit brand proposal system 2 includes a securities server 8, a proposal server 12, and a user terminal 14. The securities server 8, the proposal server 12, and the user terminal 14 are all connected to a network 6 such as the Internet, and communicate via the network 6. It should be noted that there is no limitation on the number of each element of the shareholder benefit brand proposal system 2.

  The securities server 8 is a server managed and operated by the securities company, and manages the securities account of the user of the user terminal 14, buys and sells stocks, transfers funds, and the like. The securities server 8 may be configured using a known technique.

  The user terminal 14 is a mobile terminal such as a smartphone or a tablet terminal. The user of the user terminal 14 downloads and installs a shareholder preferential treatment application program (hereinafter referred to as preferential treatment application) from the download site via the network 6 to the user terminal 14. Alternatively, the preferential treatment application may be preinstalled on the user terminal 14. The preferential treatment application may be provided by an entity that operates the proposal server 12, may be provided by a securities company that operates the securities server 8, or may be provided by another entity. In another embodiment, the user terminal may be a stationary terminal such as a desktop PC.

  When the preferential treatment application is executed by the user terminal 14, the user terminal 14 communicates with the proposal server 12 via the network 6 to realize various functions. Hereinafter, functions realized by the user terminal 14 (a processing unit such as a CPU (Central Processing Unit)) executing the preferential treatment application may be described as functions of the user terminal 14, but those functions are actually referred to as preferential treatment application. Is a function realized by the user terminal 14.

  The proposal server 12 proposes to the user of the user terminal 14 the purchase of the stock with the optimum number of shares for the stock with the best shareholder return. The proposal server 12 is an optimal shareholder according to user attributes (sex, age, place of residence, work address, etc.), preferences (golf, drink, travel, etc.), and actions (data linkage information, WEB search history, etc.). Determine the preferred brands and include them in the proposed portfolio. In particular, the proposal server 12 incorporates, in the proposal, a shareholder preferential issue that maximizes a shareholder preferential value that differs for each user based on the user's attributes, preferences, and behaviors, and general stock price expectations.

  FIG. 4 is a hardware configuration diagram of the proposal server 12 of FIG. The user terminal 14 and the securities server 8 may each have the same hardware configuration as the hardware configuration of the proposal server 12 shown in FIG. The proposal server 12 includes a memory 121, a processor 122, a communication interface 123, a display 124, and an input interface 125. These components are each connected to a bus 126 and communicate with each other via the bus 126.

  The memory 121 is a storage area for storing data and programs. The data and the program may be permanently stored in the memory 121 or may be temporarily stored. The processor 122 implements various functions in the proposal server 12 by executing a program stored in the memory 121. The communication interface 123 is an interface for transmitting and receiving data to and from the outside of the proposal server 12. For example, the communication interface 123 includes an interface for accessing a wireless communication network, an interface for accessing a wireless LAN (Local Area Network), and the like. The communication interface 123 may include, for example, a wired network interface such as a USB (Universal Serial Bus). The display 124 is a device for displaying various information, and is, for example, a liquid crystal display or an organic EL (Electroluminescence) display. The input interface 125 is a device for receiving an input from a user. The input interface 125 includes, for example, a touch panel provided on the display 124, various input keys, and the like.

  FIG. 5 is a block diagram showing functions and configurations of the proposal server 12 in FIG. Each block shown here can be realized by hardware such as a computer CPU and other elements and mechanical devices, and can be realized by software, such as a computer program. The functional blocks are drawn. Therefore, it will be understood by those skilled in the art referred to in this specification that these functional blocks can be realized in various forms by a combination of hardware and software.

  The proposal server 12 includes a user attribute storage unit 100, a user preference storage unit 102, a user behavior storage unit 104, a shareholder special issue brand storage unit 106, a proposal target storage unit 107, a portfolio storage unit 108, and user information acquisition. The system includes a unit 110, a shareholder preferential brand determination unit 112, a suggestion unit 114, a trading unit 116, a shareholder preferential brand management unit 118, and a notification unit 120.

  FIG. 6 is a data structure diagram showing an example of the user attribute holding unit 100 of FIG. The user attribute holding unit 100 includes a user ID for specifying a user, a gender of the user, an age to which the user belongs, a place of residence of the user, a work address of the user, the presence of a spouse, the presence or absence of a child, A related user ID, which is an ID for specifying another user related to the user, is stored in association with the related user ID. Another user associated with the user is, for example, the user's family, such as the user's spouse, the user's child, or the user's parent. Alternatively, another user may be a colleague at the user's office, a member of the same department, a person connected by SNS, a member of a group of chat apps, and the like. Regarding the information held in the user attribute holding unit 100, the administrator of the suggestion server 12 may register the information acquired from the user in the user attribute holding unit 100. In this case, for example, the suggestion server 12 causes the user terminal 14 via the network 6 to display a screen requesting the input of the user's attribute, acquires the information input by the user on the screen, and registers the information in the user attribute holding unit 100. It is possible to do. Alternatively, when the present proposal service and an external financial service (for example, a credit card service) are affiliated, the proposal server 12 acquires the user attribute from an external server managed by the external financial service. Alternatively, it may be registered in the user attribute holding unit 100.

  FIG. 7 is a data structure diagram showing an example of the user preference holding unit 102 of FIG. The user preference holding unit 102 holds the user ID and the content of the user preference in association with each other. Regarding the information held in the user preference holding unit 102, the administrator of the suggestion server 12 may register information acquired from the user in the user preference holding unit 102. In this case, for example, the suggestion server 12 causes the user terminal 14 to display a screen for requesting the user's preference via the network 6, obtains information input by the user on the screen, and registers the information in the user preference holding unit 102. May be. It should be noted that, on the screen for requesting the user's preference to be input, the user may be allowed to answer items that the user emphasizes in investment, allowable shareholder benefits, dividend yields, and the like. The shareholder benefit / dividend yield is a value obtained by adding the dividend amount to a value obtained by converting the shareholder benefit obtained by holding the shares into money, and dividing the total amount by the investment amount. For example, if a company buys shares for 100,000 yen and obtains a meal ticket for eating and drinking worth 3000 yen and a dividend of 1000 yen by holding the shares, the shareholder preferential treatment / dividend yield is 4%. The user selects and registers such a shareholder benefit / dividend yield on the above screen (for example, if there are “1% or more and less than 5%”, “5% or more and less than 10%”, “ % Or less than 10%) or when an arbitrary value is entered and registered, a brand having a high possibility of satisfying the condition may be preferentially presented to the user. . Alternatively, when the present proposal service and an external service (for example, a credit card service, an asset management service, a household account management application, a health management application, a flea market application, and the like) are affiliated, the proposal server 12 may User preferences may be obtained from an external server managed by an external service and registered in the user preference holding unit 102. In this case, instead of directly acquiring the user's preference, the proposal server 12 acquires a usage history (for example, electronic payment history, favorite product registration information, search history, and the like) from an external server, and details of the acquired history. May be analyzed to estimate the user's preference, and the estimated preference may be registered in the user preference holding unit 102.

  FIG. 8 is a data structure diagram showing an example of the user action holding unit 104 of FIG. The user action holding unit 104 includes a user ID, a history of purchases of goods / services of the user, a history of searches performed by the user via the network 6, a history of sites accessed by the user via the network 6, Are stored in association with each other. The purchase history includes, for example, information specifying when, what, and how much the user has purchased. The search history includes, for example, information specifying when and what the user searched for. The information for specifying what has been searched includes, for example, a word input as a search condition on a search site. The access history includes, for example, information specifying when and which site the user accessed.

  Regarding the information held in the user action holding unit 104, the suggestion server 12 may acquire the user's purchase history from the partner's EC (Electronic Commerce) service server and register it in the user action holding unit 104. . The suggestion server 12 may acquire a user's search history and access history from a partner search service server and register the user's search history and access history in the user behavior holding unit 104. The access history may be collected by using, for example, a 3rd party cookie mechanism.

  FIG. 9 is a data structure diagram showing an example of the shareholder special issue brand holding unit 106 of FIG. The shareholder special issue holding unit 106 includes a brand code of the special shareholder issue, a company name, a current stock price, details of the shareholder special offer, a vesting date, a final date with the next right, a minimum number of shares acquired with special offers, The continuous holding period is associated with and held. For each of the stockholders' special offers, the expected dividend per share and the expected dividend yield, the actual stock price decline rate on the ex-date (the business day following the last day with rights), the expected value of the current year's decline rate, etc. May be stored in association with each other, and the expected value and the actual value may be fetched from an external information providing service.

Stockholder special offers have a vesting date. The vesting date is the date on which that shareholder benefit is vested by being listed in the shareholder register as a shareholder on that date. In most cases, the vesting date will be the end of the fiscal year or the end of the month. However, if you hold shares on the day of the vesting and sell them immediately, you won't get shareholder benefits. In order to be listed as a shareholder, the shares must be purchased and held at least three business days before the vesting date. Three business days before this date of vesting is referred to as the last day with rights. By holding the shares on the last day with rights, it will be listed on the shareholder register as a shareholder on the vesting date, and will be entitled to shareholder benefits. For example, even if the stock is held for only one day on the last day with rights, the right of shareholder benefit can be obtained.
The business day following the vesting date is referred to as the ex-date. As mentioned above, if you hold shares on the last day with rights, you will be entitled to shareholder benefits and dividends. Unless imposed as, there is little motivation to hold more than necessary, and many investors sell their shares on ex-rights dates. Therefore, it is known that the stock price of some stocks may fall on the ex-rights day.

  Some of the stocks that offer special benefits to shareholders include those who hold shares continuously during the period from the vesting date, such as six months or one year before, to the vesting date (referred to as “continuous holding period” in this specification). There are some requirements for obtaining the right of preferential treatment. In this case, even if shares are acquired on the last day of the day with the rights, the requirements for the continuous holding period will not be satisfied, and the benefit of the shareholders cannot be obtained.

  Regarding the information held in the shareholder preferential issue holding unit 106, the proposal server 12 acquires information on the shareholder preferential issue from the securities server 8 or another stock information providing server, and registers the information in the shareholder preferential issue holding unit 106. Good.

  FIG. 10 is a data structure diagram showing an example of the portfolio holding unit 108 of FIG. The portfolio holding unit 108 includes a user ID, a brand code of a stock to be held by the user, a stock code held by the user, details of the stock to be held by the user, the content of the stock to be used, the last day with the next right, and the remaining number of the stock to be stocked. The expiration date of the shareholder benefit is associated with and held.

  FIG. 16 is a data structure diagram illustrating an example of the proposal target holding unit 107 in FIG. The proposal target holding unit 107 holds, for each user, the brand code of the shareholder preferential brand to be proposed, the time at which the brand is proposed, the recommendation level (described later), and the distance (described later) in association with each other. The expected dividend value, the expected dividend yield value, the past stock price decrease rate on the ex-date, the expected value of the current term decrease rate, and the like may be stored in association with each other.

  Returning to FIG. 5, the user information obtaining unit 110 obtains user information on the user. The user information includes user attributes, user preferences, and user actions. The user information acquisition unit 110 acquires a user attribute from the user attribute storage unit 100, a user preference from the user preference storage unit 102, and a user behavior from the user behavior storage unit 104.

  The shareholder special issue brand determination unit 112 determines a proposal target shareholder special issue brand from among the shareholder special issue brands based on the result of matching between the user information acquired by the user information acquisition unit 110 and the content of the shareholder special offer. The shareholder special issue determination unit 112 matches the attribute, preference, and behavior acquired by the user information acquisition unit 110 with the contents of the shareholder special offer of the shareholder special issue held in the shareholder special issue holding unit 106. For example, if the attribute of the user is “male, 50s” and the preference is “golf”, the shareholder preferential issue brand determination unit 112 determines that the content of the shareholder preferential treatment is “golf course use fee discount ticket”. The degree of matching with the user is highly evaluated. If the behavior of the user indicates that the golf course has been used within the past six months, the degree of matching is evaluated even higher. In addition, for example, when the attribute of the user is “with child” and “resides in Yokohama City, Kanagawa Prefecture”, the content of the shareholder special benefit is “meal ticket” that can be used in a store in Yokohama-shi. The degree of matching between the stock and the user is highly evaluated.

  The shareholder preferential issue brand determination unit 112 multiplies the monetary value evaluation value of the contents of the shareholder preferential treatment by a coefficient based on the degree of matching, and normalizes the value by the acquisition price of the minimum number of preferentially acquired shares, thereby providing personalized shareholder preferential treatment. Calculate the value of a security. For example, the evaluation value of the monetary value of the content of the shareholder benefit may be a discount equivalent for a "golf course fee discount coupon", a par value for a "meal coupon" or a "shopping coupon", or , Or a resale price. If the content of the shareholder benefit is a product (for example, assortment of beverages), the average price of the product may be acquired by a cooperating external service or the like. The coefficient based on the degree of matching is, for example, a value in the range of 1 to 100, and is larger as the degree of matching is higher.

  The shareholder preferential issue determination unit 112 determines a predetermined number of the shareholder preferential issues in descending order of the calculated value as the proposed target shareholder preferential issue. In the above example, the shareholder special issue determination unit 112 determines the shareholder special issue to be proposed from the shareholder special issue holding unit 106. However, in other examples, the shareholder special issue determination unit 112 first determines shareholder information such as stock prices and dividends. A list of shareholder preferential issues to be proposed may be generated from the shareholder preferential issue holding unit 106 based on factors other than the contents of the preferential treatment. The logic of brand selection at this time may be realized by a known brand recommendation technique using an analyst report or the like. The shareholder preferential issue determination unit 112 may calculate the value of the shareholder preferential issue for each issue in the generated list, and may narrow down the list based on the calculated value. For example, the shareholder special issue brand determination unit 112 may extract a predetermined number of the shareholder special issue brands from the list with the highest calculated value in order to maximize the value of the shareholder special issue brand, and may make the proposal target. Alternatively, for example, the shareholder special issue determination unit 112 may extract the shareholder special issue from the list and make it a proposal target so that the sum of the value of the shareholder special issue, capital gain, and dividend is maximized. In addition, the shareholder preferential issue deciding unit 112 may extract the specified shareholder preferential issues in the order of the minimum investment amount, that is, extract a predetermined number of the shareholder preferential issues from the one with the lower required purchase price, and make it a proposal target. In addition, the brands in the generated list may be proposed in the order in which the users with similar attributes among the other users who use the system purchase the most, that is, in the descending order of brand popularity.

  The shareholder benefit brand determination unit 112 registers the brand code, recommendation level, and distance of the determined shareholder benefit brand to be proposed in the proposal target holding unit 107 in association with the user ID. The recommendation degree is determined based on the degree of matching determined by the shareholder preferential issue brand determination unit 112 and / or the value calculated by the shareholder preferential issue brand determination unit 112. In this example, a total of five stars from one star to five stars is determined. With stages. The distance of the stock for the shareholder benefit is the distance from the current position of the user. The current position of the user is obtained from positioning means such as GPS provided in the user terminal 14. The “position” of the shareholder special issue brand is set to the position closest to the current position of the user among the positions of the stores where the contents of the shareholder special offer (for example, shopping coupon or meal coupon) can be used. The “distance” of a shareholder benefit brand is defined as the linear distance between the current position of the user and such “position” of the shareholder brand. The shareholder preferential issue brand determination unit 112 determines one of an asset formation type and a shareholder preferential acquisition type according to the investment purpose specified by the user. In accordance with the determined type of investment, the shareholder preferential issue deciding section 112 decides a proposal time, which is a time for proposing the purchase of the proposed shareholder preferential issue, and registers it in the proposal target holding section 107. Note that, instead of the user's current location, location information of a location (for example, home, office, entertainment facility, or the like) registered by the user in advance may be used. Alternatively, a location that is highly relevant to the user, which is obtained by analyzing a use history acquired from a cooperating external server, may be estimated, and location information of the estimated location may be acquired and used.

  The suggestion unit 114 proposes to the user the shareholder special issue determined by the shareholder special issue determination unit 112. The suggestion unit 114 acquires information on the special issue of the shareholder to be proposed with reference to the proposal target holding unit 107, and provides the acquired information to the user. For example, the suggestion unit 114 extracts a proposal brand code corresponding to the user ID of the user of the user terminal 14 and having the current date and time included in the proposal time from the proposal target holding unit 107, and using the extracted proposal brand code. Acquire the specified shareholder special issue as a target shareholder special offer. The suggestion unit 114 displays, on the display of the user terminal 14 via the network 6, information for specifying the shareholder's preferential issue to be proposed and information relating to the timing requirement of vesting (for example, the next final day with rights or the continuous holding period). Are displayed in association with each other. The proposal screen will be described later. Note that, in another embodiment, the suggestion unit 114 may propose the shareholder special issue to the user by voice output instead of or in addition to the screen display. For example, the suggestion unit 114 may cause the smart speaker to output the name of the shareholder benefit brand to be proposed via the network 6 by voice. In this case, the proposal server 12 receives a buying and selling instruction by voice.

  The trade processing unit 116 receives a buy / sell instruction for a shareholder special issue issued by the user on the proposal screen, and transmits the contents of the received buy / sell instruction to the securities server 8 via the network 6. The trading unit 116 receives the result of the trading process from the securities server 8 via the network 6, and updates the portfolio holding unit 108 with the received result. Accepting a stock trade instruction from a user and passing it to the securities server 8 and performing the trade instructed in the securities server 8 can be performed by using a well-known technology for electronically handling stocks, such as cooperation using an API (Application Programming Interface). It may be realized.

  The shareholder special issue management unit 118 manages information on the shareholder special issue currently held by the user. The shareholder special issue management unit 118 displays, on the display of the user terminal 14 via the network 6, information on the shareholder special issue owned by the user and information on the special share issue owned by the user related to the user collectively. Is displayed. The management screen includes a graph showing the results obtained by classifying the shareholder special treatment brands by type of the shareholder special offer. The management screen will be described later.

  The notification unit 120 notifies the user via the user terminal 14 of the number of remaining preferential treatments, expiration date, usable place, and the like of the stocks currently held by the user. Details of the notification will be described later.

The operation of the proposal server 12 having the above configuration will be described.
FIG. 11 is a representative screen diagram of the registration screen 150 displayed on the display 140 of the user terminal 14. When the user activates the special treatment application for the first time after downloading and installing the special treatment application on the user terminal 14, the registration screen 150 is displayed on the display 140. The registration screen 150 is a screen for acquiring user information from a user, and includes an investment purpose designation area 152, a hobby / taste input area 154, a target portfolio balance designation area 156, and an OK button 158.

  The investment purpose designation area 152 is an area that allows the user to select or designate the purpose of investment in the special issue for stockholders. The investment purpose designation area 152 includes a radio button for selecting the investment purpose “formal asset holding while holding in the medium to long term” (corresponding to the shareholder preferential brand recommendation service), and an investment purpose “I want a lot of preferential treatment!” (Shareholder preferential wrap Radio button for selecting (corresponding to a service). The user selects a radio button corresponding to the service desired by the user.

The hobby / taste input area 154 is an area for receiving an input of a hobby / taste from a user. The user inputs his / her own hobbies and preferences in the form of text to the hobby / preference input area 154.
The target portfolio balance designation area 156 is an area for designating a portfolio balance desired by the user for shareholder preferential treatment. The target portfolio balance designation area 156 includes a pie chart 160 and a plurality of adjustment bars 162. By dragging and turning the adjustment bar 162, the user adjusts the ratio among the four types of shareholder benefits (food, amusement, cosmetics, leisure) as desired.

  When the user designates the OK button 158 (for example, clicks the OK button 158 or taps the OK button 158), the user information acquisition unit 110 transmits the information from the user terminal 14 via the network 6 to the investment purpose designation area 152. The designated investment purpose, the hobbies and preferences input in the hobby / taste input area 154, and the target portfolio balance specified in the target portfolio balance specification area 156 are acquired. The shareholder preferential issue determination unit 112 determines the shareholder preferential issue to be proposed, and sets the timing (proposal time) at which to buy or sell the determined shareholder preferential issue according to the investment purpose acquired by the user information acquisition unit 110. To decide. A specific example of the timing is as described with reference to FIG. The suggestion unit 114 proposes, through the suggestion screen, the user to buy or sell the shareholder preferential issue to be proposed in accordance with the determined timing.

  FIG. 12 is a representative screen diagram of the proposal screen 164 displayed on the display 140 of the user terminal 14. The proposal unit 114 generates display data of the proposal screen 164 including information on the shareholder preferential issue of the proposal target with reference to the proposal target holding unit 107 and transmits the data to the user terminal 14 via the network 6. The user terminal 14 causes the display 140 to display the proposal screen 164 based on the received display data.

  The proposal screen 164 displays information on stockholders' special treatment brands to be proposed in order of recommendation. The suggestion screen 164 includes a sort criterion designation area 166 for designating a sorting standard for display, a recommendation degree display area 168 for displaying the recommendation level, and a brand information display for displaying information on the shareholder preferential issues belonging to the recommendation level. It has an area 170 and a purchase button 172. The issue information display area 170 includes the name of the issue of the special offer for the shareholder, the content of the special offer for the shareholder, the next last day with rights, and the continuous holding period (if any).

  When the user designates the purchase button 172 on the proposal screen 164, the sales processing unit 116 acquires information for specifying the shareholder special issue corresponding to the designated purchase button 172 from the user terminal 14 via the network 6. The trade processing unit 116 causes the display 140 of the user terminal 14 via the network 6 to display a purchase screen (not shown) that allows the purchase of the stock for the shareholder. The trade processing unit 116 receives an instruction to purchase a special issue for a shareholder from the user via the purchase screen.

  FIG. 13 is a representative screen diagram of another proposal screen 174 displayed on the display 140 of the user terminal 14. When the user designates “distance order” instead of “recommended order” in the sort criterion designation area 166 on the proposal screen 164 of FIG. 12, another proposal screen 174 of FIG. 13 is displayed.

  Another proposal screen 174 displays information of the stockholder special issue to be proposed in ascending order of distance. Another proposal screen 174 includes a sort criterion designation area 166, a distance range display area 176 for displaying a distance range, a brand information display area 178 for displaying information on stockholders' preferential issues belonging to the distance range, and a purchase button. 180.

  FIG. 14 is a representative screen diagram of the map proposal screen 182 displayed on the display 140 of the user terminal 14. The map proposal screen 182 includes a mark 184 indicating the current position of the user terminal 14, an electronic map 186 around the current position, a broken line 188 indicating a range of a predetermined distance from the current position (in this example, within 1 km), A brand information display area 190 for displaying information on the special issue for stockholders within a predetermined distance from the position. The brand information display area 190 is displayed in association with the position of the store 198 where the shareholder benefit of the corresponding shareholder benefit brand can be used. The issue information display area 190 includes a recommendation level 192 of the issue of the special offer for the shareholder, a name of the special issue for the shareholder, the contents of the special offer and the timing requirement 194, and a purchase button 196.

  FIG. 15 is a representative screen diagram of the push-type proposal screen 200 displayed on the display 140 of the user terminal 14. The push type proposal screen 200 is displayed on the display 140 of the user terminal 14 in the form of a push notification. The push-type proposal screen 200 has a name of a shareholder's preferential treatment brand to be proposed, preferential treatment contents and timing requirements 202, a recommendation comment 204 from the system side, and a purchase button 206. The push-type proposal screen 200 is displayed on the display 140 at a timing set by the system regardless of whether or not the preferential treatment application is being executed on the user terminal 14. The push notification may be displayed on a notification destination (for example, a terminal of the user's family) set by the user in addition to the user terminal. Alternatively, the name of the shareholder special treatment brand name and the special treatment content to be proposed may be transmitted to the schedule management application installed on the user's terminal based on the time requirement, and may be automatically registered in the schedule.

  FIG. 17 is a representative screen diagram of the management screen 208 displayed on the display 140 of the user terminal 14. The shareholder special issue management unit 118 refers to the portfolio holding unit 108 and the user attribute holding unit 100, and acquires information on the shareholder special issue held by the user and information on the shareholder special issue owned by the related user of the user. Then, a management screen 208 for collectively displaying the acquired information is generated. The shareholder benefit brand management unit 118 transmits the display data of the management screen 208 to the user terminal 14 via the network 6. The user terminal 14 displays the management screen 208 on the display 140 based on the received display data.

  The management screen 208 includes a number-of-stocks display area 210 that displays a bar graph of the amount of the special issue stocks held by each member of the family, and a detailed display in which details of the special issue stocks held can be displayed for all members or for each member. And a region 212. In the number-of-stocks display area 210 of this example, the total amount of the shareholder special issue held by the user, the total amount of the shareholder special issue held by the user's husband, and the total amount of the shareholder special issue held by the user's eldest daughter are displayed. Each is indicated by a bar graph. In the detail display area 212 of this example, information on the stock of the shareholder's benefit held by all of the user's family (user, husband, eldest daughter) is displayed according to the selection of the “whole” tab 214. I have. When the “owner” tab, the “husband” tab, and the “eldest daughter” tab are selected, information on the shareholder preferential brands held by only the user himself, only the husband, and only the eldest daughter is displayed. As described above, the management screen 208 collectively displays information on stocks that are preferred to shareholders of the entire family of the user. As a result, it is possible to support the maximization of the value of the shareholder benefit for the entire family and the entire household (or the entire related user).

  FIG. 18 is a representative screen diagram of another management screen 214 displayed on the display 140 of the user terminal 14. Another management screen 214 provides information focusing on shareholder benefits. Another management screen 214 corresponds to the name 216, the period 218 until the special treatment, that is, the period from now to the last day with the right, and the detail button 220 for each of the shareholder special treatments held by the entire family of the user. And display it. When the detail button 220 is designated, a screen (not shown) indicating the holding status of the corresponding stockholder special issue is displayed, and the screen is configured to be able to further accept a sale instruction. As described above, the separate management screen 214 provides information focusing on the benefit of the shareholder, thereby helping the user to feel closer to the investment.

  FIG. 19 is a representative screen diagram of the portfolio display screen 222 displayed on the display 140 of the user terminal 14. On the portfolio display screen 222, a pie chart 224 showing a result of classifying and summing up stockholders' specialty stocks held by the entire family of the user by the type of stockholder's specialty is displayed. The pie chart 224 of this example shows four types of shareholder benefits (food, amusement, cosmetics, cosmetics, etc.) for the shareholder benefit brand currently held by the entire family of the user in response to the selection of the “current” tab 226. It shows the ratio of shareholder preferential value among the leisure. The portfolio display screen 222 is configured to be switchable to display a pie chart showing the target portfolio balance registered on the registration screen 150 in FIG. 11 by designating the target tab 228. By comparing the current pie chart 224 with the target pie chart, the user can confirm the degree of achievement of the desired portfolio balance.

  FIG. 20 is a representative screen diagram of the map notification screen 230 displayed on the display 140 of the user terminal 14. The notifying unit 120 refers to the portfolio holding unit 108, generates display data for the map notification screen 230 including information on the locations where the shareholder benefits owned by the user can be used, and transmits the generated data to the user terminal 14 via the network 6. . The user terminal 14 displays the map notification screen 230 on the display 140 based on the received display data.

  The map notification screen 230 is a screen for referencing available stores owned by the user for shareholder benefits from a map around the current position of the user terminal 14. When the user designates a mark 232 indicating a store that can use the shareholder benefit on the map notification screen 230, an image 234 of a ticket (for example, a coupon) of the shareholder benefit is displayed in association with the mark 232. The user can receive the corresponding preferential treatment service by showing the image 234 to the store clerk. Alternatively, when the shareholder special treatment is digitized, the user can receive the corresponding special treatment service by designating the image 234.

  FIG. 21 is a representative screen diagram of the term management screen 236 displayed on the display 140 of the user terminal 14. The notifying unit 120 refers to the portfolio holding unit 108 and the user attribute holding unit 100 to generate display data of the time limit management screen 236 including information on time limit management of shareholder benefits held by the user and his / her family, and 6 to the user terminal 14. The user terminal 14 displays the time limit management screen 236 on the display 140 based on the received display data.

  The expiration date management screen 236 displays the name and holder 238 of the special issue of stockholders owned by the user or his or her family, the special offer contents 240, the number of remaining special offers 242, the expiration date 244, the next vesting date 246, and the next It has a number 248 of shareholder benefits scheduled to be acquired by vesting, a balance adjustment button 250, and an update button 252. By looking at the term management screen 236, the user can grasp at a glance the details of the special treatments of the user and his / her family, the remaining number, the term, the next acquisition timing, and the next acquisition number. Thereby, the user can plan the preferential use of the special treatment, and can reduce the probability that the special treatment expires.

  After using the special treatment, the user adjusts the remaining special treatment number 242 by opening the time limit management screen 236 and operating the remaining number adjustment button 250. For example, when the user has used one piece of shareholder special treatment “Sushi, meal ticket” of “Ko Corporation”, by specifying once the corresponding lower number adjustment button 250 on the time limit management screen 236, 242 is changed from “7” to “6”. If the update button 252 is designated in this state, the shareholder special issue brand management unit 118 acquires the changed number of remaining special preferential treatments 242 from the user terminal 14 via the network 6. The shareholder preferential issue brand management unit 118 updates the preferential remaining number of the portfolio holding unit 108 with the changed preferential remaining number 242. When the shareholder special treatment is digitized, the remaining number of preferential treatment of the portfolio holding unit 108 may be automatically updated instead of or in addition to manual adjustment using the remaining number adjustment button 250. .

  FIG. 22 is a representative screen diagram of the possession status notification screen 254 displayed on the display 140 of the user terminal 14. The notifying unit 120 refers to the portfolio holding unit 108 and the user attribute holding unit 100 to generate display data of the holding status notification screen 254 including the holding status of the user and his / her family for the specific shareholder special issue, and To the user terminal 14 via. The user terminal 14 causes the display 140 to display the possession status notification screen 254 based on the received display data.

  The holding status notification screen 254 displays, for each of the user's family members including the user, the number of holding shares of a specific stock with special shareholder benefits in a bar graph. In the example of FIG. 22, the number of shares of the shareholder special issue "ABC Air" held by the user himself, the number of shares of the shareholder special issue "ABC Air" held by the user's husband, and the shareholder special issue "ABC" held by the eldest daughter of the user The number of shares of “Air” is displayed in a bar graph so as to be mutually comparable. In addition, on the holding status notification screen 254, the minimum number of preferentially acquired shares of a specific shareholder's preferential issue is indicated by a broken line 256 as a preferential acquisition line. If the bar graph exceeds the broken line 256, the special treatment can be acquired, and if not, the special treatment cannot be acquired. By viewing the holding status notification screen 254, the user can grasp at a glance the holding status in the family and whether or not the special benefit has been acquired for a specific stock with special shareholder benefits. This assists the user in optimizing the number of shares held between family members in terms of obtaining preferential treatment. In the example of FIG. 22, the user sees the holding status notification screen 254, and for example, while reducing the number of shares held by the user to just above the preferential acquisition line, increasing the number of shares held by the husband (reduced amount + α), thereby giving preferential treatment. It can be judged that the doubling of the special treatment is possible by exceeding the acquisition line. In such a case, the user specifies the recommendation button 258 corresponding to the husband. Then, the information for recommending the purchase of the shareholder special issue “ABC Air” is transmitted from the proposal server 12 to the husband's user terminal. In response to the information, a recommendation such as "The user recommends the purchase of a shareholder special offer brand" ABC Air "" is displayed on the display of the husband's user terminal.

  FIG. 23 is a representative screen diagram of the push-type purchase notification screen 260 displayed on the display 140 of the user terminal 14. The push-type purchase notification screen 260 is displayed on the display 140 of the user terminal 14 in the form of a push notification. When the user's family buys or sells a stock of a special treatment for a shareholder, the notification unit 120 performs a push notification for displaying a push-type purchase notification screen 260 including information on the sale on the display 140 of the user terminal 14. The push-type purchase notification screen 260 displays, as text, who in the family has purchased which brand, the details of the special treatment, and the last day with the next right. By receiving such a notification, the user can grasp in real time the status of the shareholder's preferential issue held by the family, and can perform optimization more accurately.

  FIG. 24 is a flowchart showing a flow of a series of processes in the proposal server 12 of FIG. The proposal server 12 acquires the user's attribute, preference, behavior, and investment purpose (S302). The proposal server 12 determines an investment type (asset formation type / shareholder preferential acquisition type) according to the investment purpose acquired in S302 (S304). The suggestion server 12 determines a shareholder preferential issue to be proposed by matching with the attribute, preference, and behavior acquired in S302 (S306). The proposal server 12 determines the timing of proposal for each of the stockholder special treatment brands determined in S306 according to the type of investment determined in S304 (S308). The proposal server 12 proposes to the user the shareholder special issue determined in S306 at the timing determined in S308 (S310).

  In the above embodiment, examples of the holding unit are a hard disk and a semiconductor memory. Further, based on the description in this specification, each unit is constituted by a CPU (not shown), a module of an installed application program, a module of a system program, and a semiconductor memory for temporarily storing the contents of data read from a hard disk. It will be appreciated by those skilled in the art referred to herein that this can be achieved.

  According to the proposal server 12 according to the present embodiment, it is possible to select, from among a large number of stockholder special treatment brands, an optimum stockholder special brand according to the personal lifestyle of the user, and make a proposal to the user. Therefore, it is possible to maximize the shareholder preferential value that differs for each user.

  Further, in the present embodiment, it is possible to grasp the stockholding status of the stock of the family members as a whole on the management screen 208 and another management screen 214. Thus, when a user purchases a special issue for a shareholder, by referring to these screens, the user can select a brand such that the special offer value for the entire family is maximized.

  In addition, the proposal server 12 according to the present embodiment is suitable for the user's lifestyle among general brands regardless of whether or not there is a shareholder special offer, in that the shareholder special issue that matches the user is selected from the special brands. This is different from the technique described in Patent Document 1 that recommends a brand. Due to this difference, the proposal server 12 according to the present embodiment can provide a proposal service centered on shareholder preferential treatment, and this proposal service can satisfy the needs of users who place importance on shareholder preferential treatment.

  The configuration and operation of the proposal server 12 according to the embodiment have been described above. This embodiment is an exemplification, and it is understood by those skilled in the art that various modifications can be made to the combination of each component and each processing, and such modifications are also within the scope of the present invention.

  In the embodiment, the case where the securities server 8 and the proposal server 12 are separate bodies has been described. However, the present invention is not limited to this. For example, one server provided with both the function of the securities server 8 and the function of the proposal server 12 is provided. May be done.

In the embodiment, the case where the proposal screen and the management screen are provided as the display in the preferential treatment application has been described. However, the present invention is not limited to this. be able to. FIG. 25 is a representative screen diagram showing a part of the shareholder benefit search screen 262 according to the modification, which is displayed on the display 140 of the user terminal 14. The shareholder benefit search screen 262 is generated by the proposal server according to the modified example, and is displayed on the display 140 by the web browser of the user terminal 14. The shareholder benefit search screen 262 includes a criterion list display 264 for allowing the user to select a criterion for sorting search results. The list display 264 includes an item 266 “recommended order for you” in addition to other items. When this item 266 is selected, the proposal server 12 performs matching processing similar to that of the embodiment on the search results of the stocks for shareholder special treatment, and calculates the recommendation level. The proposal server generates a screen (not shown) for displaying the search results of the stocks for stockholders in the order of recommendation, and transmits the screen to the web browser of the user terminal 14. The web browser causes the display 140 to display the screen.
According to the present modification, the same operation and effect as those provided by the proposal server 12 according to the embodiment can be obtained.

  In the embodiment, if the shareholder benefit is digitized, the shareholder benefit may be converted into an electronic ticket, and a platform capable of buying, selling, and exchanging such a ticket may be constructed. In this platform, for example, a function of storing a special treatment as a temporary storage of the special treatment may be realized, a virtual special treatment may be used, or a voucher that can be used in a real store may be exchanged. May be realized. Further, in this platform, a user account, an account of an EC site used by the user, and a special treatment held by the user can be associated with each other. In this case, for example, when purchasing the same product as the special treatment content on the EC site, a warning that the same product is present in the special treatment can be given to the user.

  In the embodiment, the user can relatively accurately predict when and how much the next shareholder benefit will come by referring to the term management screen 236 in FIG. In addition, in a modified example, the proposal server provides information on what kind of preferential treatment is given to the user and how much, schedule information of the user and his / her family, and attribute information of the user and his / her family (for example, Events, etc.). For example, on the birthday of the eldest daughter two months later, a discount coupon for a shareholder of a restaurant is expected to be available for the number of family members, and if the schedule of the whole family is available on that day, the suggestion server sets the restaurant on that day. You may propose to have a birthday party at.

  2 Shareholder benefit brand proposal system, 6 network, 8 securities server, 12 proposal server, 14 user terminal.

Claims (5)

Means for obtaining user information about the user;
Means for determining a shareholder special offer brand to be proposed based on a result of matching between the acquired user information and the content of the shareholder special offer among the shareholder special offers;
Means for suggesting the determined shareholder special issue to the user.   The suggesting means displays a suggestion screen for displaying information identifying the determined shareholder special issue and information relating to the timing requirement of vesting in a display on the terminal of the user via a network. Item 2. The server according to Item 1.   A management screen is displayed on the display of the terminal of the user via the network, in which the information on the special issue of shareholder of the user and the information of the special issue of share on another user related to the user are displayed collectively. The server according to claim 1 or 2, further comprising means.   4. The server according to claim 3, wherein the management screen includes a graph indicating a result of classifying and summarizing the stocks for stockholders according to the types of stockholders. A means for obtaining from a user the purpose of investing in a shareholder benefit stock;
Means for deciding when to buy or sell a shareholder benefit stock according to the acquired purpose;
Means for proposing to the user a purchase or sale of a special issue for a shareholder in accordance with the determined timing.

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