JP2020064690A - Product selling system and product selling program - Google Patents

Abstract

To provide a product selling system allowing a purchaser to take risks in investment-purpose accumulation, varying prices of a product available for the purchaser according to a performance at maturity, and, even when the performance is low, dispensing with indemnity of a seller side.SOLUTION: The product selling system includes: an application processing unit 11 that receives an input of investment conditions from a purchaser, for each selectable investment product, calculatingly presents candidates of products that the purchaser can purchase according to performances at maturity under the investment conditions on the basis of the characteristics, and receives a selection of an investment product by the purchaser; and a maturity processing unit 12 that allocates a product that the purchaser can actually purchase on the basis of the performance at the maturity of the fund management by the investment product selected by the purchaser.SELECTED DRAWING: Figure 1

Description

  The present invention relates to a technology for selling products and the like, and more particularly to a technology effective when applied to a product sales system and a product sales program that support a sales method in which a purchaser accumulates a price and then purchases a product. .

  For example, when traveling overseas or selling expensive products such as cars and homes, a predetermined amount of money is accumulated (eg, monthly) based on the target price and purchase target time preset by the purchaser, and accumulated. By managing the funds during the period until the purchase target time, a sales method that allows you to purchase a product with a higher investment yield than the total amount of funds finally accumulated (hereinafter referred to as "goal-based investment type") There is a case). Such a method is not limited to the purchase of products and the like, but is also used when pensions, insurance, etc. are regularly funded to receive certain benefits in the future.

  As a technique related to a method of setting a target amount of money and accumulating money such as product sales by a goal-based investment type, for example, Japanese Patent Laid-Open No. 2002-73968 (Patent Document 1) describes the time of retirement. Calculate the required amount of funds to be targeted, that is, the target reserve amount at a certain future time as easily as possible, and let the individual investors visually specify the range of the expected reserve amount that the individual investors can accept for the target reserve amount, and In order to achieve a certain probability of investment, how to properly allocate assets during the investment period, and how to combine individual financial products to realize appropriate asset allocation in a short time and at low cost. The asset management design system to be executed in is described.

  Further, in Japanese Patent Laid-Open No. 2009-9278 (Patent Document 2), the benefit amount of the welfare pension is acquired from the public pension table based on the input profile such as the date of birth, and the subscriber is based on the benefit amount. Of the defined contribution pension plan necessary for calculating the target asset amount and accumulating the target asset amount, the recommended value of the pension contribution amount and the recommended value of the pension utilization rate, the funded model, and the asset. An information providing device that generates an allocation model and the like is described.

JP-A-2002-73968 JP, 2009-9278, A

  Most of the reserves made in the prior art are stable and stable operations with relatively little risk, with the aim of ensuring certain degree of certain purchases and benefits at future maturity. As a result, it is planned to obtain a target product or the like that is set in advance or a product close to the target product to some extent (that is, an operation yield is planned). For example, for overseas travel, such a selling method is generally widely used in the form of travel savings.

  On the other hand, as in the case of overseas travel, for example, there are many cases where there is no restriction that the purpose is not always achieved, unless the ticket is relatively expensive and is not a daily necessities item, and it is not a ticket of a specific class of a specific destination. Regarding the product, the method in which the seller manages the product in a form that guarantees the fixed yield to the buyer, that is, even if the actual investment profit exceeds the fixed yield, it is not returned to the purchaser In some cases, if the seller takes a compensation method, it may not be an effective sales method. For example, even if the operation succeeds and a yield higher than that initially set is obtained, the ticket that the purchaser can obtain will be the one as originally set. On the other hand, if the operation fails, the seller will have to compensate for the amount that does not meet the initially set yield.

  Therefore, an object of the present invention is to enable a purchaser to make a risk-based investment fund, and to obtain the price and value of a product that the purchaser can acquire according to the operation result at maturity (an objective that can be evaluated as a price. Value, which may be collectively referred to as “price” below), and to provide a product sales system and product sales program that does not require the seller to compensate even if the operating results are poor. It is in.

  The above and other objects and novel features of the present invention will be apparent from the description of the present specification and the accompanying drawings.

  The following is a brief description of the outline of the typical invention disclosed in the present application.

  A product sales system according to a representative embodiment of the present invention is a product sales system that sells products based on an amount accumulated by a purchaser for a predetermined period, and accepts input of investment conditions from the purchaser. , For each selectable investment product, based on its characteristics, calculates and presents a candidate for the product that the purchaser can purchase according to the investment performance at the time of maturity under the investment conditions, and presents the candidate by the purchaser. An application processing unit that accepts selection of managed products, and a maturity processing unit that allocates the products that can be actually purchased by the purchaser based on the operation record when the fund management by the managed products selected by the purchaser is due. , With.

  The present invention can also be applied to a product sales program that causes a computer to execute processing and a computer-readable recording medium that records the product sales program so that the product sales system functions as described above.

  Further, the present invention can also be applied to a product selling method in which a purchaser sells a product based on the operation result at the time of maturity in which the purchaser has accumulated a predetermined period of time.

  The effects obtained by the typical ones of the inventions disclosed in the present application will be briefly described as follows.

  That is, according to the representative embodiment of the present invention, it is possible for the purchaser to make a risky investment-like accumulation, and the price of the product that the purchaser can obtain according to the operation result at maturity is set. In addition to fluctuations, it is possible to eliminate the need for the seller to compensate even if the operation performance is poor.

It is the figure which showed the outline about the structural example of the airline ticket sales system which is one embodiment of this invention. It is the figure which showed the outline about the example of the sales method of the airline ticket in one embodiment of this invention. It is the flowchart which showed the outline about the example of the process flow in the goal-based investment type airline ticket sales method in one embodiment of this invention. It is the figure which showed the outline about the example of the investment conditions in one embodiment of this invention. It is the figure which showed the outline about the example of the fluctuation range of the return in maturity for every operation goods in one embodiment of the present invention. (A), (b) is the figure which showed the outline about the example of the sales conditions of the airline ticket in one embodiment of this invention. It is the figure which showed the outline about the example of the airline ticket obtained according to the fluctuation | variation of the return for every operation goods in one embodiment of this invention.

  Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings. Note that, in all the drawings for explaining the embodiments, the same parts are denoted by the same reference symbols in principle and the repeated description thereof will be omitted. On the other hand, parts described with reference numerals in a certain drawing may be referred to with the same reference numeral, although not shown again, in the description of other drawings.

<Outline>
In the present embodiment, an airline ticket sold by an airline company will be described as an example of a goal-based investment product. As described above, travel reserves are generally widely used for travel including air tickets. In travel savings, the user saves a fixed amount every month for a predetermined period in addition to the initial lump sum payment (which may be zero). Since a predetermined yield is given to the accumulated principal, the user has an advantage that he / she can travel with a price equal to or higher than the accumulated total amount (a small amount of accumulated money is required for the intended trip). On the other hand, as described above, since the yield does not always link with the actual investment performance, one of the seller and the user may bear the disadvantage. In addition, due to these circumstances, it is usually not possible to cancel cash in the middle of the reserve period.

  On the other hand, the method of selling an airline ticket in the airline ticket sales system according to the embodiment of the present invention is similar to accumulating a fixed amount for each target period for a predetermined period, but the actual operation result is Accordingly, the content (price) of the airline ticket acquired at maturity fluctuates.

  FIG. 2 is a diagram showing an outline of an example of a ticket selling method in the ticket selling system according to the embodiment of the present invention. In the figure, the horizontal axis is the funded period from the date when the purchaser makes a contract to purchase the product until the time of maturity, and the vertical axis is the funded amount when the total funded amount during that period is funded. An example of the change of is shown in the graph. The solid line graph shows an example in which the investment performance during the funding period is equivalent to the actual funding amount, that is, the investment yield is almost zero. On the other hand, the broken line graph shows an example of the case where the investment performance exceeds the funded amount at the time of maturity while fluctuating during the funded period, and the dotted line graph shows the operation result below the funded amount at the time of maturity. It shows an example of the case.

  In the present embodiment, the purchaser can obtain an airline ticket having a different destination or a different seat class (that is, a different price), as shown in the figure, according to the operation performance at the time of maturity. If the operation record is good, the ticket with high price can be acquired, and if the operation record is bad, only the ticket with low price can be acquired. In addition, in the present embodiment, it is allowed to be cashed by canceling during the reserve period.

  As a result, the purchaser can take a large risk at his own discretion and obtain a high-priced flight ticket if the operation performance is good. Further, even if the operation performance is poor, at least some airline ticket can be acquired, and a substantial loss compensation can be obtained to some extent. On the other hand, as will be described later, the airline does not allow the purchaser to freely select the actual ticket to be purchased at maturity, and the seller selects and assigns it or purchases from multiple candidates selected by the seller. By making the selection by the person in charge, the seller can also utilize the vacant seat ticket (inventory) to realize efficient sales.

  Further, the seller also has an advantage of being able to continuously secure contact points and contact opportunities with the purchaser during the accumulation period.

  The purchaser sets conditions such as the target amount at the maturity and the lump sum payment with the maturity as the goal setting date, and the investment including information such as the monthly reserve amount and the required yield obtained based on the set conditions. Set the model. Rather than back-calculating the monthly reserve amount from the goal at maturity, calculate the total amount of principal at maturity from the predetermined lump sum payment and monthly reserve amount, for which the necessary yield and target amount May be set. In any case, if the funded amount is relatively small with respect to the target amount, it is necessary to operate with high risk and high risk, and if the funded amount is relatively large, stable operation with low yield is sufficient. become.

<System configuration>
FIG. 1 is a diagram showing an outline of a configuration example of an airline ticket sales system according to an embodiment of the present invention. The airline ticket sales system 10 includes, for example, a server system such as a server device or a virtual server built on a cloud computing service, and an information processing terminal used by the purchaser via a network 40 such as the Internet. Is connected to the user terminal 50. Further, the airline ticket sales system 10 is a fund management system 20 which is an information processing system operated and managed by a financial institution that manages customer funds via a network 40 or a network such as a LAN (Local Area Network) (not shown). It may be connected to an airline company system 30 which is an information processing system operated and managed by an airline company selling airline tickets.

  The airline ticket sales system 10 includes, for example, an application processing unit 11, a maturity processing unit 12, and a fund implemented as software operating on middleware such as an OS (Operating System), a DBMS (DataBase Management System), and a Web server program (not shown). It has each part such as an operation management part 13 and an inventory management part 14. Further, it has respective data stores such as a user database (DB) 15 implemented by a database and a file table, a sales condition DB 16, an investment model DB 17, an operation result DB 18, and an inventory DB 19.

  The application processing unit 11 displays, on the user terminal 50, a screen for accepting input of investment conditions such as a target amount to be accumulated, a lump sum payment, a reserve period, and a monthly reserve amount as an application for purchase of an airline ticket from the purchaser. A user interface to be displayed on a web browser (not shown) is provided. The user interface further selects an investment model (specifically, a managed product) that is a combination of the yield (return) required (or desired) based on the input investment conditions and the risk in that case. Accept.

  It is assumed that the purchaser's account information, attribute information, etc. are registered in the user DB 15 in advance. Further, the investment model (managed product) candidates and their contents may be registered in advance in, for example, a table (not shown), or may be acquired from the management record DB 18 or the like which holds record information on fund management. Good. Further, information on the contents and price of each airline ticket that is a purchase target is preset in, for example, the sales condition DB 16 and the like, and the information is referred to. Information on the investment model selected by the purchaser (or may be automatically selected by the application processing unit 11) is registered in the investment model DB 17.

  The maturity processing unit 12 has a function of determining and allocating an airline ticket to be acquired by the purchaser based on the operation result acquired from the operation result DB 18 as processing at the time of maturity of the reserve period. The user terminal 50 or the purchaser may be notified of the notification that the airline ticket has been allocated. The maturity processing unit 12 may not automatically determine the airline ticket, but may have a user interface that displays available airline ticket candidates on the user terminal 50, and may accept the selection by the purchaser. Purchaseable airline tickets are extracted from the airline tickets set in the sales condition DB 16. At this time, the priority order (that is, the price of each airline ticket) at the time of extraction may be adjusted based on the contents of the stock DB 19 that holds the actual vacant seat (stock) status.

  The fund management unit 13 has a function of instructing the fund management system 20 to operate based on the investment model information of each purchaser registered in the investment model DB 17, and actually managing the funds. Further, it has a function of periodically or as occasion demands to obtain actual result information of the operation result from the fund operation system 20 and record it in the actual operation DB 18 for each purchaser (user).

  As a method of instructing the money management system 20, various methods can be appropriately adopted based on the specifications of the external interface of the money management system 20. For example, the money management unit 13 may call a command or API (Application Programming Interface) of the money management system 20, or may send data or a file including information related to the instruction content to the money management system 20. It may be. If the money management system 20 does not have an appropriate external interface, the money management unit 13 outputs the data of the instruction content by a file, print, or the like, and the operator or the like inputs to the money management system 20 based on the content. Alternatively, the instruction may be manually given.

  The fund management is not limited to the direct accumulation of money, and for example, using the information such as miles and various points in the mileage service of airlines, which can evaluate and convert the property value by the amount of money, It may cover some or all of them. In this case, for example, the application processing unit 11 accepts from the purchaser that the mileage accumulation is made, and in cooperation with the airline system 30 that manages the mileage information, the purchaser's mileage etc. to be used for the accumulation are consumed. The money management unit 13 instructs the money management system 20 to manage the money by converting the money into a money amount. When converting miles or the like into a monetary amount, a special rate different from the rate for a normal mileage service may be used. By making the mile available, the purchaser can substantially operate and earn interest on the mile that normally holds but does not earn interest.

  The inventory management unit 14 has a function of acquiring information on the actual inventory (vacant seat) of an airline ticket from the airline system 30 such as the vacant seat reservation system of the target airline, and recording it in the inventory DB 19. When the airline ticket is actually assigned to the purchaser at maturity, the information may be reflected in the inventory DB 19 and, if possible, may be reflected in the airline system 30. The inventory DB 19 may record not only information on the latest inventory (vacant seat) of each airmail, but also historical information on past sales results. By referring to this, for example, it is also possible to analyze the substantive value (perceived value) of the airline ticket for the purchaser according to the destination, time, and the like.

  As in the case of the fund management system 20, various automatic / manual methods can be appropriately used for exchanging information with the airline system 30 based on the specifications of the external interface of the airline system 30.

<Air ticket sales method>
FIG. 3 is a flowchart outlining an example of the flow of processing in the goal-based investment type ticket sales method in the ticket sales system 10 of the present embodiment. The airline ticket sales system 10 first accepts input of investment conditions from the purchaser via the user terminal 50 by the application processing unit 11 (S01). FIG. 4 is a diagram showing an outline of an example of investment conditions. In the following description, as shown in the figure, it is assumed that the purchaser specifies conditions that the initial lump sum payment (down payment) is zero, the monthly reserve fund is 10,000 yen, and the reserve period is 36 months (3 years). In this case, the investment will be 360,000 yen in 36 months.

  Returning to FIG. 3, when the application processing unit 11 receives the input of the investment condition, the application processing unit 11 calculates the variation range of the return at maturity for each investment product selectable in the financial institution (the money management system 20) based on this (S02). ). Here, for example, the range in which the return fluctuates is obtained based on the expected value (expected return) of the interest rate during the accumulation period and its standard deviation (risk).

  FIG. 5 is a diagram showing an outline of an example of a variation range of returns at maturity for each managed product. In the example of FIG. 5, the expected return γ and the risk σ for each selected management product, and the respective returns when the operation is poor, average, and good are shown. The return here means ((operating amount at maturity / total accumulated amount for 36 months) -1). As shown in the figure, it is generally known that the risk σ increases as the expected return γ increases. In the figure, the fluctuation range of risk between when the operation is bad and when it is good is set to (γ-2σ) to (γ + 2σ). In this case, assuming that the change in return follows a normal distribution, it is about 95%. However, it may fall within the above-mentioned fluctuation range, but may fluctuate even more depending on the case.

  Returning to FIG. 3, the application processing unit 11 then obtains information on the sales conditions of the air ticket that can be sold from the sales condition DB 16 (S03). FIG. 6 is a diagram showing an outline of an example of sales conditions for airline tickets. FIG. 6 (a) shows the tickets that can be sold and their prices determined by the combination of the destination and the seat class, and FIG. 6 (b) shows the ticket shown in FIG. 6 (a). Are arranged in descending order of price (10,000 yen). In the present embodiment, the destination is collectively shown as the area name instead of the airport name. The seat classes are shown as Y (economy class), PY (premium economy class), C (business class), and F (first class), respectively.

  Returning to FIG. 3, the application processing unit 11 then, based on the information on the fluctuation range of the return for each operation product acquired in step S02 and the information on the price for each airline ticket acquired in step S03, at the time of maturity. Information on an airline ticket which is supposed to be obtained according to the operation result is calculated and presented to the purchaser via the user terminal 50 (S04).

  FIG. 7 is a diagram showing an outline of an example of an airline ticket obtained according to a change in return for each managed product. In the example of FIG. 7, when the investment is made under the conditions shown in FIG. 4, when the investment of each investment product shown in FIG. 5 is poor, the average, and the good returns are obtained at maturity. It is assumed that the expected value of the operating amount is calculated and the highest priced air ticket below the expected value can be obtained from the list of FIG. 6 (b).

  Specifically, for example, in the case of an investment product with an average operation rate (expected return γ) of 20%, in the example of FIG. 5, the return is -20% when the operation is poor, and the average return is 20%. It is 20% and 60% when it is good, and the operating amount at maturity is 288,000 yen, 432,000 yen, and 576,000 yen, respectively. At this time, the airline tickets obtained from the list of FIG. 6B are “Asia C (240,000 yen)”, “North America PY (400,000 yen)”, and “Asia F (540,000 yen)”, respectively. . By assigning airline tickets to other products with other operating rates in the same manner, a table like the example of FIG. 7 can be obtained.

  Returning to FIG. 3, the purchaser refers to the table as shown in the example of FIG. 7 displayed on the user terminal 50, for example, considering the magnitude of the risk when the operation is bad and the magnitude of the return when the operation is good. Then, the user selects a desired investment product (average investment rate, expected return), and the application processing unit 11 accepts the information on the selected investment product and invests the investment conditions and information on the investment product. It is registered in the investment model DB 17 as a model (S05).

  After that, the money management unit 13 instructs and requests the money management system 20 to manage the money based on the information of the investment model registered in the investment model DB 17, and the money management system 20 performs the management (S06). If the purchaser cancels during the reserve period, the processing ends at that point.

  When the maturity date has passed, the fund operation management unit 13 acquires information on the operation result from the fund operation system 20 and records it in the operation result DB 18 (S07). When the fund operation management unit 13 regularly obtains the information on the operation record from the fund operation system 20 and constantly maintains the latest information in the operation record DB 18, it is not necessary to perform the process again.

  After that, the maturity processing unit 12 allocates the airline ticket actually acquired by the purchaser based on the operation record (S08), and ends the processing. Here, for example, from the list of airline tickets arranged in descending order of price acquired in step S03, the airline ticket with the highest price that is less than or equal to the operating amount at maturity is assigned. For example, if the operating amount at maturity is 500,000 yen, "Europe Y (480,000 yen)" will be allocated from the list in FIG. 6 (b).

  Actually, the purchaser selects a desired destination from a plurality of destinations (airports) included in the area bounded by the destination. The date of use of the airline ticket may be selected and designated by the purchaser, or may be designated by the maturity processing unit 12 based on the content of the inventory DB 19 or designated by the airline company system 30. .

  By making it possible for the airline ticket sales system 10 (or the airline company system 30) to specify the date of use instead of the purchaser, for example, to specify a day when there is relatively free space during the busy season to improve seat efficiency. You can Alternatively, it is possible to increase the perceived value of the purchaser (provide a “profitable feeling”) at the same cost by designating a day with a relatively high price during the off-season. For the airline ticket selected by the purchaser (or assigned to the purchaser), if possible, the actual reservation process may be performed on the airline system 30 via the inventory management unit 14, for example. Good.

<How to allocate airline tickets>
In the example of the selling method shown in FIG. 3, in step S08, the highest-priced airline ticket that can be purchased based on only the operating amount at maturity and the price of the airline ticket without considering the destination desired by the purchaser. However, the method of allocating an airline ticket is not limited to the method described above, and various methods can be appropriately adopted.

  In the above-mentioned example of the selling method, for example, the purchaser is expected to purchase "North America C (720,000 yen)" in the list of airline tickets shown in FIG. Despite this, there is a possibility that the operating amount at maturity may not reach this because the operating record is a little bad, and "European PY (600,000 yen)" may be allocated.

  On the other hand, it is considered that many purchasers attach importance to the destination rather than the price of the purchased ticket or the seat class. Therefore, when allocating an airline ticket, the destination may be limited to one desired by the purchaser, and the highest airline ticket that can be purchased with the operating amount at maturity may be assigned. For example, if the purchaser was expecting to purchase "North America C (720,000 yen)" in the list of airline tickets in Fig. 6 (b) and the operating amount at maturity is less than this, the purchaser's Based on the instruction, the destination is limited to "North America" and "North America PY (400,000 yen)" and "North America Y (360,000 yen)" are allocated. This allows the purchaser to go to "North America" in the seat class according to the operating amount at maturity.

  Further, in the above-described example of the selling method, since there are few variations in the types of airline tickets, there may be a case where the degree of change in the airline ticket that the purchaser can obtain according to the operation record at the time of maturity becomes small. For example, in the example of the flight ticket pattern obtained according to the operation results shown in FIG. 7, whether an operation product with an average operation rate of 20% is selected or an operation product with an average operation rate of 30% is selected, the operation is performed. When the performance is bad, “Asia C” is assigned in all cases, and when the operation is average, “North America PY” is assigned in all cases. Therefore, the only criterion for selecting one of these managed products may be the difference in the airline ticket allocated when the management is good, and there may be a case where the difference is not sufficient to make a decision-making decision.

  As a method for solving such a situation, it is possible to increase the types and variations of airline tickets. For example, by adding an airline ticket whose usage date or period of use is limited in addition to “an airline ticket whose usage date or period of use is not limited at the time of application” as shown in FIGS. 6 and 7, It is possible to increase the variations of airline tickets. Even for airline tickets of the same destination, the inventory status (that is, airline ticket price) may differ depending on the season, time, day of the week, and the like.

  In addition, the purchaser cannot determine the desired destination, travel purpose, interest, etc. at the time of maturity, which is usually several years ahead at the time of application. Therefore, in the example of the above-mentioned sales method, the destination of the airline ticket is grouped into a certain range of regions, and the destination can be selected by region at the time of application, and at the time of maturity, the destination is based on the wishes and interests at that time. The destination can be selected from the area. On the other hand, in order to increase the variation of airline tickets, by subdividing the destination area or expanding the destination to the unit of the airport or destination, fine differences and variations in the fare etc. for each airline ticket It may be provided.

  In addition, in the example of the sales method described above, a ticket with a higher price is assigned when the operation record is good, but conversely, a ticket with a low price is allocated when the operation record is good, and the operation record is In the worst case, a high priced ticket may be assigned.

  For example, during periods of poor operation, it is generally considered that the economy is in recession and travel demand is sluggish. In this case, since there is a margin to supply high seat classes and seats on popular routes, it is possible to improve the perceived value of the purchaser by positively allocating an airline ticket having a relatively high price. In addition, if the operation fails, a good airline ticket can be obtained, which makes the product a hedge product. On the other hand, when the operating results are good, the economy is generally booming and travel demand is likely to be tight. In this case, since there is no room to supply high seat classes and popular routes, seat efficiency can be improved by aggressively allocating relatively low-priced air tickets.

  Further, in this case, by allowing the purchaser to cancel the cash on the way, it can be configured as a financial product with cash exchange. For example, when the investment record is good in the middle of the reserve period, the purchaser can enjoy the benefit of asset management by cashing at that point. In addition, it is possible to obtain a high-priced airline ticket even if the operation results are poor and the accumulation is continued without canceling on the way.

  It should be noted that the operation record and the business cycle do not always have the above-described correlation, so that there may be a case where the operation track record is poor despite the good economy. In such a case, for example, it is possible to allocate a high-priced airline ticket to the extent that the operation record does not lower the cost so that the airline company is not disadvantaged.

  In the airline ticket sales system 10, any one of various allocation methods including the above-described allocation method may be fixedly used, or a purchaser may select a desired allocation method from a plurality of types. You may make it selectable.

  As described above, according to the air ticket sales system 10 according to the embodiment of the present invention, the user determines the risk and the return and accumulates the money based on the goal-based investment, and finally makes the final payment at the time of maturity. It is possible to realize a method of selling an airline ticket in which the content (price) of the airline ticket to be acquired is changed according to the operating performance and the seller does not need to compensate even if the operating performance is poor.

  Although the invention made by the present inventor has been specifically described based on the embodiments, the present invention is not limited to the above embodiments, and various modifications can be made without departing from the scope of the invention. Needless to say. For example, the above-described embodiments have been described in detail to explain the present invention in an easy-to-understand manner, and are not necessarily limited to those having all the configurations described. Further, it is possible to add / delete / replace other configurations with respect to a part of the configurations of the above-described embodiments.

  For example, in the above-described embodiment, an example of an airline ticket sales system for selling relatively high-priced airline tickets for overseas travel and the like has been described. However, other products having similar characteristics are goal-based investment type. It is possible to generalize as a product sales system that realizes a mechanism for selling by.

  As the characteristics and conditions of the products to be sold, for example, as in the case of the air ticket (that is, empty seats) in the above embodiment, the marginal cost is almost zero, and it is difficult to adjust the production amount to meet the demand. It can be said that it will be left in stock at. Another reason is that the products are relatively expensive commensurate with the operating costs of the sales method, and have poor cashability and resale value. In addition, there are multiple products of the same type with different prices, grades, etc. Even if the seller decides which product is to be finally allocated to the extent of the seller's convenience, it does not have much impact on the buyer. Things can also be mentioned. Specifically, for example, it can be applied to the sale of vacant rooms and seats of hotels, theaters, passenger ships, trains, condominiums for investment, automobiles, golf memberships, and the like.

  Further, each of the configurations, functions, processing units, processing means, and the like in the above-described embodiments may be realized in hardware by designing a part or all of them with, for example, an integrated circuit. Further, the above-described respective configurations, functions and the like may be realized by software by a processor interpreting and executing a program for realizing each function. Information such as a program, a table, and a file for realizing each function may be placed in a recording device such as a memory, a hard disk, an SSD (Solid State Drive), or a recording medium such as an IC card, an SD card, a DVD, a CD-ROM. it can.

  Further, in each of the above figures, the control lines and information lines are shown to be necessary for explanation, and not all the control lines and information lines for mounting are necessarily shown. In practice, it may be considered that almost all configurations are connected to each other.

  INDUSTRIAL APPLICABILITY The present invention can be used for a product sales system and a product sales program that support a sales method in which a purchaser accumulates a price and then purchases a product.

10 ... Air ticket sales system, 11 ... Application processing section, 12 ... Maturity processing section, 13 ... Fund management section, 14 ... Inventory management section, 15 ... User DB, 16 ... Sales condition DB, 17 ... Investment model DB, 18 … Operation record DB, 19… Inventory DB,
20 ... Fund management system, 30 ... Airline system, 40 ... Network, 50 ... User terminal

Claims (7)

A product sales system that sells products based on the amount accumulated by a purchaser for a predetermined period,
Accepting the input of investment conditions from the purchaser, for each selectable investment product, based on the characteristics, candidates for the product that the purchaser can purchase according to the investment performance at maturity under the investment condition An application processing unit that calculates and presents, and receives the selection of the managed product by the purchaser,
A maturity processing unit that extracts the product based on the investment purpose and operation record of the purchaser when the fund management by the management product selected by the purchaser is due. A product sales system that sells airline tickets based on the amount accumulated by a purchaser for a predetermined period,
Accepting input of investment conditions from the purchaser, for each selectable management product, based on the characteristics, the purchase price of the airline ticket that can be purchased by the purchaser according to the operating performance at maturity under the investment conditions. An application processing unit that calculates and presents candidates and accepts selection of the managed product by the purchaser,
A maturity processing unit that extracts the airline ticket in consideration of a price based on a desired destination and operation record of the purchaser when the fund management by the operation product selected by the purchaser is due. Product sales system. In the product sales system according to claim 1 or 2,
The above-mentioned investment condition is a product sales system which comprises at least one or more information of a lump sum payment, a reserve amount each time, a reserve period, and a target amount. The product sales system according to any one of claims 1 to 3,
The application processing unit presents, as a unit, a group of a plurality of the products summarized by a predetermined standard, as a candidate for the purchaseable product to be presented to the purchaser,
The maturity processing unit extracts the group of the products that the purchaser can purchase based on the operation record, and selects the products that the purchaser can actually purchase from the products included in the group. A product sales system that receives selection of the product to be extracted or actually purchased by the purchaser. The product sales system according to any one of claims 1 to 4,
The product sales system, wherein the application processing unit accepts, as the investment condition, that the investment condition is to be accumulated by a product having a property value other than money that can be evaluated in terms of money. A product sales program that causes a computer to execute processing so that the purchaser functions as a product sales system that sells products based on an amount accumulated for a predetermined period.
Accepting the input of investment conditions from the purchaser, for each selectable investment product, based on the characteristics, candidates for the product that the purchaser can purchase according to the investment performance at maturity under the investment condition An application process for calculating and presenting, and accepting the selection of the managed product by the purchaser,
A product sales program that causes a computer to execute a maturity process of extracting the product based on the investment purpose and operation record of the purchaser when the fund management by the management product selected by the purchaser is due. A product sales program that causes a computer to execute processing so that the purchaser functions as a product sales system that sells air tickets based on an amount accumulated for a predetermined period.
Accepting input of investment conditions from the purchaser, for each selectable management product, based on the characteristics, the purchase price of the airline ticket that can be purchased by the purchaser according to the operating performance at maturity under the investment conditions. An application process for calculating and presenting candidates and accepting selection of the managed product by the purchaser,
When the fund management by the management product selected by the purchaser is due, the computer executes maturity processing for extracting the airline ticket in consideration of the price based on the destination and the operation record of the purchaser's request. A product sales program.

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