JP2020144739A - Point management system, device, and method - Google Patents

Abstract

To allow for easily calculating and collecting fees required for managing points held by users.SOLUTION: A point management unit 17C updates a point balance P(t) in a point management database 16 in conjunction with a value of an economic indicator pre-associated with the point, and deducts a fee required for managing the points from the point balance according to a preset fee rate.SELECTED DRAWING: Figure 1

Description

The present invention relates to a point management technique for calculating and collecting a fee required for managing points held by a user.

Conventionally, a so-called index-linked point management technique has been proposed in which the point balance of points held by a user is linked with an index value of an economic index such as a stock price (see, for example, Patent Document 1). In this technology, for example, in the case of stock price-linked points linked to stock prices, the point balance is updated based on the number of units held corresponding to the number of points held by the user and the new stock price.

JP-A-2017-199051

However, in such a conventional technique, the fee required for managing points in the point management system is only required to manage the points held by the user and update the point balance in conjunction with the index value of the economic index. Does not have the means to calculate and collect. For this reason, it is necessary for the service provider who provides the point management service with the point management device to prepare a fee calculation system for calculating and collecting the fee required for point management and earning profit separately from the point management device. There is a problem that the fee cannot be easily managed by the point management device.

The present invention is for solving such a problem, and an object of the present invention is to provide a point management technique capable of easily calculating and collecting a fee required for managing points held by a user.

In order to achieve such an object, the point management system according to the present invention is provided so as to be able to connect to the user terminal used by the user and the user terminal via a communication network, and is owned by the user. A point management device for managing points to be used and a point management database for storing the point balance of the points are provided, and the point management device is linked with an index value of an economic index associated with the points in advance. The point balance of the point management database is updated, and the fee required for managing the points is deducted from the point balance based on a preset fee rate.

Further, in one configuration example of the point management system according to the present invention, the fee rate includes a fee rate of a storage fee required when the points are stored for a unit period by the number of unit points. The fee required for storing the points is calculated based on the fee rate of the storage fee, the point balance, and the storage period length for which the point balance is managed.

Further, in one configuration example of the point management system according to the present invention, the fee rate includes the fee rate of the accounting fee required when the points are added or reduced by the number of unit points, and the point management device includes the fee rate. Based on the commission rate of the accounting fee and the number of accounting points to be added or reduced, the fee required for the accounting of the points is calculated.

Further, in one configuration example of the point management system according to the present invention, as the storage period length, the period length of the increase period in which the index value has increased is used among the periods in which the point balance is managed. is there.

Further, in one configuration example of the point management system according to the present invention, as the commission rate, a variable commission type commission rate, which decreases as the usage period or frequency of use by the user increases, is used. Is.

Further, in one configuration example of the point management system according to the present invention, the point management device adds the number of fee points corresponding to the fee to the preset total point balance of the service provider. It was done.

Further, in one configuration example of the point management system according to the present invention, the point management device changes according to the balance of the points as the number of units of real or virtual financial products whose value is linked to the index value. When the number of units held by the user is managed and the number of units held is converted into the point balance, the fee required for storing the points is deducted from the point balance.

Further, in one configuration example of the point management system according to the present invention, the storage from the point balance is based on a fee rate indicating a storage fee required when the point management device manages the number of unit points over a unit period. When calculating the deduction coefficient for deducting the fee and converting the number of owned units to the point balance, the fee required for storing the points is calculated based on the preset conversion rate and the deduction coefficient. It is deducted from the balance.

Further, one configuration example of the point management system according to the present invention includes a fee rate indicating a storage fee required when the point management device manages the number of unit points over the unit period, and the financial product in the unit period. The deduction coefficient for deducting the storage fee from the point balance is calculated based on the rate of increase / decrease of.

Further, in one configuration example of the point management system according to the present invention, the fee rate indicating the storage fee is Rm, an arbitrary date and time is t, a date and time past the date and time t is t-1, and the date and time t. The length of the storage period from -1 to the date and time t is D, the rate of increase or decrease of the financial instrument in this storage period is V (t), and the deduction coefficient at the date and time t-1 is C (t-1). Then, the deduction coefficient C (t) at the date and time t is calculated by the following equation.
C (t) = C (t-1) x V (t) x (1-Rm x D)
It is calculated by.

Further, in one configuration example of the point management system according to the present invention, when the conversion rate between the financial product and the number of points of the points is Rp and the number of units held at the date and time t is Q (t), the above. The point balance P (t) at the date and time t is calculated by the following formula.
P (t) = Q (t) x C (t) x Rp
It is calculated by.

Further, the point management device according to the present invention is used in a point management system including a user terminal used by the user and a point management device connected to the user terminal via a communication network. The point management device that manages points held by a person in the user's point account, and the point management device comprises the point management device of any of the above-mentioned point management systems.

Further, the point management method according to the present invention is provided so as to be able to connect to the user terminal used by the user and the user terminal via a communication network, and is a point management device that manages the points owned by the user. A point management method used in a point management system including a point management database for storing the point balance of the points, wherein the point management device is associated with an index value of an economic index associated with the points in advance. In conjunction with this, the first step of updating the point balance of the point management database and the point management device deducting the fee required for managing the points from the point balance based on a preset fee rate. It has a second step to do.

According to the present invention, the fee required for managing the points held by the user can be easily calculated and collected by the point management device. Therefore, it is not necessary for the service provider who provides the point management service with the point management device to prepare a fee calculation system for calculating and collecting the fee required for point management and earning profit separately from the point management device. .. Therefore, the equipment scale and equipment cost for providing the point management service can be significantly reduced, and the profit of the service provider who provides the point management service can be improved.

It is a block diagram which shows the structure of a point management system. It is explanatory drawing which shows the configuration example of the point setting DB. It is explanatory drawing which shows the configuration example of the point management DB. It is a sequence diagram which shows the point management operation. It is explanatory drawing which shows the operation example (t = T1). It is explanatory drawing which shows the operation example (t = T2). It is explanatory drawing which shows the operation example (t = T3).

Next, an embodiment of the present invention will be described with reference to the drawings.
[Point management system]
First, the point management system 1 according to the present embodiment will be described with reference to FIG. FIG. 1 is a block diagram showing a configuration of a point management system.
This point management system 1 is provided so as to be able to connect to the user terminal 20 used by the user and the user terminal 20 via the communication network NW, and manages the points held by the user with the user's point account. It is a system that includes a point management device 10 and a point management database 16 that stores the point balance of points of each user, and provides a point management service to users.

The point management device 10 is composed of an information processing device such as a server device as a whole, and has a function of updating the point balance of the point management database 16 in advance in conjunction with an index value of an economic index associated with the point in advance. It has a function to collect the fee required for managing points by deducting the fee required for managing points from the point balance based on the set fee rate.

The user terminal 20 is composed of information processing terminals such as smartphones, tablets, and PCs as a whole, and is connected to the point management device 10 via a communication network NW, and points owned by the user according to the user's operation. It has a function to inquire the balance of the tablet and request the addition or reduction of points to the point account.
The information providing device 30 is composed of an information processing device such as a server device as a whole, and is connected to a communication network NW to display index values of economic indicators such as stock prices, investment trust standard prices, exchange rates, interest rates, and virtual currencies. This is a device provided to the point management device 10.

[Point management device]
As shown in FIG. 1, the point management device 10 has a communication I / F circuit 11, an operation input device 12, a screen display device 13, a storage circuit 14, and a point setting database 15 (hereinafter, point setting DB) as main circuit units. ), A point management database 16 (hereinafter referred to as a point management DB), and an arithmetic processing circuit 17. Hereinafter, the case where the point setting DB 15 and the point management DB 16 are arranged inside the point management device 10 will be described as an example, but the present invention is not limited to this. For example, either or both of the point setting DB 15 and the point management DB 16 may be arranged outside the point management device 10 and connected to the point management device 10 via a communication network NW or a communication line.

The communication I / F circuit 11 performs data communication with an external device such as a user terminal 20 or an information providing device 30 connected via a communication network NW.
The operation input device 12 includes an operation input device such as a keyboard, a mouse, and a touch panel, and detects an operator's operation and outputs the operation to the arithmetic processing circuit 17.
The screen display device 13 is composed of a screen display device such as an LCD, and displays various screens such as a menu screen, a setting screen, and a management status screen showing a point balance and a fee output from the arithmetic processing circuit 17.

The storage circuit 14 is composed of a storage device such as a hard disk or a semiconductor memory as a whole, and stores a program 14P and processing data used for point management processing.
The program 14P is executed by the CPU of the arithmetic processing circuit 17 to realize various processing units that perform point management processing. The program 14P is pre-transferred to the storage circuit 14 from an external device or recording medium connected to the point management device 10 and stored.

The point setting DB 15 is a database that is composed of a storage device such as a hard disk or a semiconductor memory as a whole and stores setting data related to various points. FIG. 2 is an explanatory diagram showing a configuration example of the point setting DB. In the configuration example of the point setting DB 15 shown in FIG. 2, an index ID, a conversion rate Rp, a storage fee rate Rm, a balance fee rate Re, and a deduction coefficient C (t) are registered for each point ID for identifying points. Has been done.

The index ID is identification information for identifying the index value of the economic index with which the points are linked. Specific examples of index values include the prices of financial products such as stocks, investment trusts, futures, and options, the prices of virtual currencies, specific goods, etc., as well as exchange rates, interest rates, economic indicators, weather and weather conditions, etc. There is a numerical value indicating. In the following, the case where the index value indicates the stock price of a stock stock preset in relation to the point will be described as an example, but the present invention is not limited to this, and the index value of another economic index is used. You may. Further, the case where the closing price is used as the stock price (index value) will be described as an example, but the present invention is not limited to this, and other stock prices such as the opening price, the high price, and the low price may be used.

The conversion rate Rp is a rate at which points and index values are mutually converted, and is a preset value.
The storage fee rate Rm is a storage fee rate required when points are stored in the user's point account for a unit period by the number of unit points, and is a preset value. In the following, a case where the storage fee rate Rm is a value indicating a daily rate will be described as an example, but the present invention is not limited to this, and for example, a value indicating an annual rate may be used.

The withdrawal fee rate Re is a fee rate of the withdrawal fee required when adding points to the point account or reducing the points from the point account by the number of unit points, and is a preset value. In the following, the accounting fee rate Re will be described as an example of the fee rate required for one payment and receipt, but the present invention is not limited to this, and for example, it may be a value indicating the fee rate required for multiple payments and receipts. ..

The deduction coefficient C (t) is an index showing the fluctuation rate of the point at the date and time t in consideration of the rate of increase / decrease of the index value and the storage fee rate Rm indicating the storage fee Fm (t), and is an index showing the fluctuation rate of the point in the unit period. It is calculated based on the rate of increase / decrease V (t) and the storage fee rate Rm. The specific calculation method will be described later.

The point management DB 16 is a database composed of storage devices such as a hard disk and a semiconductor memory as a whole, and stores management data indicating the management status of each point managed by each user's point account. FIG. 3 is an explanatory diagram showing a configuration example of the point management DB. In the configuration example of the point management DB 16 shown in FIG. 3, for each user ID for identifying the user, the point ID for identifying the point (point type), the update date and time t, the number of owned units Q (t), and the points The balance P (t), the storage fee Fm (t), and the accounting fee Fe (t) are registered respectively. A point account is a virtual wallet provided for each combination of a user and points and for storing and storing the user's points, and is specified by the combination of the user ID and the point ID.

The number of owned units Q (t) is a real or virtual value in which the point balance P (t) at the date and time t is linked to the index value specified by the index ID based on the conversion rate Rp and the deduction coefficient C (t). It is a value converted into the number of units of financial products of. For example, in the case of the stock price of a stock with an index value, the number of units held Q (t) is a value indicating the number of shares corresponding to the point balance P (t). The storage fee Fm (t) is a value indicating a fee required for storing the point at the date and time t. The accounting fee Fe (t) is a value indicating the fee required for the accounting of the points at the date and time t. Specific calculation methods for the number of units held Q (t), the point balance P (t), the storage fee Fm (t), and the accounting fee Fe (t) will be described later.

The arithmetic processing circuit 17 includes a CPU and its peripheral circuits, executes the program of the storage circuit 14 on the CPU, and realizes various processing units that perform point management processing by coordinating hardware and software.
The main processing units realized by the arithmetic processing circuit 17 include a data acquisition unit 17A, a terminal processing unit 17B, and a point management unit 17C.

The data acquisition unit 17A connects to the information providing device 30 from the communication I / F circuit 11 via the communication network NW, acquires an index value in which each point registered in the point setting DB 15 is linked, and inputs the index value to the point setting DB 15. It has a function to save.

The terminal processing unit 17B requests the addition / deletion (use) of points from the user terminal 20 via the communication network NW and the communication I / F circuit 11 based on a communication protocol such as HTTP, and the point balance. It has a function of accepting various requests such as an inquiry request of P (t) and a function of returning a response including a processing result to the received request to the user terminal 20.

The point management unit 17C links the function of managing the points held by the user with the user's point account and the index value of the economic index associated with the points in advance, and the point balance P of the point management DB 16 ( A function to update t), a function to collect the number of fee points corresponding to the fee required for managing points from the point balance P (t), and a function to aggregate the number of fee points preset by the service provider. It has a function to add to the point balance.

Further, the point management unit 17C stores points based on the commission rate Rm of the storage fee Fm (t), the point balance P (t), and the storage period length D that manages the point balance P (t). Based on the function to calculate the storage fee Fm (t) required for the balance, the commission rate Re of the balance fee Fe (t), and the number of balance points ΔP to be added or reduced, the balance fee Fe (t) required for the balance of points. It has a function to calculate. At this time, the commission rate is the commission rate Rm of the storage fee Fm (t) required when storing points in the point account for the number of unit points over a unit period, and the points are added to the point account by the number of unit points or the point account. It includes the commission rate Re of the balance fee Fe (t) required when the amount is reduced from.

At this time, as the storage period length D, only the period length of the increase period in which the index value has increased may be used among the periods in which the point balance P (t) is managed. As a result, the storage fee Fm (t) during the period when the index value does not rise can be non-collected from the point balance P (t), and a point management service can be provided in which the user can obtain a high degree of satisfaction. ..
Further, as the commission rate, a variable commission type commission rate may be used in which the commission rate decreases as the usage period or frequency of use of the point account (point management service) by the user increases. As a result, the more the user uses the point management service, the more the fee is reduced, so that the service usage rate of the user can be increased.

Further, the point management unit 17C may add the number of commission points corresponding to the calculated commission to the preset total point balance of the service provider. As a result, the fees collected from each user can be easily totaled, and the balance of points for totaling can be exchanged for cash via stocks or the like. In addition, when the point management service is outsourced from a higher-level service provider, the fee required for point management can be easily billed in a lump sum.

In the above, the case where the commission required for point management is sequentially subtracted from the point balance P (t) has been described as an example. In this case, the process of linking the point balance P (t) to the stock price (index value) is performed. Must be done separately. In the following, a case where the commission is deducted from the point balance P (t) will be described together with the process of linking the point balance P (t) to the stock price (index value).
That is, the point management unit 17C manages and holds the number of units Q (t) held by the user, which changes according to the balance of points to the point account, as the number of units of real or virtual financial products whose value is linked to the index value. When converting the number of units Q (t) into the point balance P (t), it has a function of deducting the fee required for storing points from the point balance P (t).

Specifically, the point management unit 17C has a storage fee Fm (t) from the point balance P (t) based on the storage fee rate Rm indicating the storage fee Fm (t) required when managing the number of unit points over a unit period. When calculating the deduction coefficient C (t) for deducting t) and converting the number of units held Q (t) to the point balance P (t), the preset conversion rate Rp and the deduction coefficient C (t) Based on the above, it has a function to deduct the fee required for storing points from the point balance P (t). At this time, the point balance P () is based on the storage fee rate Rm indicating the storage fee Fm (t) required when the number of unit points is managed over the unit period and the rate of increase / decrease V (t) of the financial product in the unit period. The deduction coefficient C (t) for deducting the storage fee Fm (t) from t) may be calculated.

For example, when the stock price of a certain stock is used as an index value for linking points, the user's point balance P (t) at an arbitrary date and time t is the number of shares held by the user Q (t). It is converted to and managed. Therefore, if the number of shares held Q (t) is converted into the point balance P (t) based on the stock price at the date and time t and the conversion rate Rp, the point balance P (t) linked to the stock price can be obtained. Here, when the storage fee Fm (t) is collected from the point balance P (t), the point balance P (t) gradually decreases as the holding period elapses, but the number of shares Q (t) remains constant. is there. Therefore, there is a discrepancy between the number of shares Q (t) and the point balance P (t) due to the storage fee Fm (t), and the stock price and the conversion rate Rp cannot be converted correctly.

In the present invention, in order to correct the deviation between the number of shares Q (t) and the point balance P (t) caused by such a storage fee Fm (t), the stock price increase / decrease rate V (t) and the storage fee Fm A deduction coefficient C (t) was introduced in consideration of the storage fee rate Rm indicating (t). As a result, when converting the number of shares Q (t) to the point balance P (t), the number of shares Q (t) and the point balance P (t) can be obtained simply by using the deduction coefficient C (t) in addition to the conversion rate Rp. The deviation between the two can be corrected, and the number of shares Q (t) can be easily converted into the point balance P (t) from which the storage fee Fm (t) has been deducted.

Hereinafter, the deduction coefficient C (t) will be described in detail. Assuming that the stock price (index value) at the date and time t-1 past the arbitrary date and time t and the date and time t is X (t) and X (t-1), respectively, the rate of increase / decrease V (t) of the stock price X (t) at the date and time t ) Is calculated by the following equation (1).
V (t) = X (t) / X (t-1) ... (1)
Therefore, if the point balance at the date and time t-1 is P (t-1) and the above deviation is not taken into consideration, the point balance P'(t) at the date and time t can be obtained by the following equation (2).
P'(t) = P (t-1) x V (t) ... (2)

On the other hand, when the point balance at the date and time t-1 is P (t-1) and the storage fee rate per day is Rm, the storage period length D = 1 for one day from the date and time t-1 to the date and time t. The point storage fee Fm (t) is calculated by the following formula (3).
Fm (t) = P (t-1) x V (t) x Rm x D ... (3)
Therefore, the point balance P (t) in consideration of the above deviation is obtained by the remaining value obtained by subtracting Fm (t) from P'(t), that is, by the following equation (4).
P (t) = P (t-1) × V (t) × (1-Rm × D)… (4)

Therefore, the deduction coefficient C (t) including the rate of increase / decrease V (t) is obtained by P (t) / P (t-1), and C (t) is C (t) = V (t) × (1). −Rm × D). Here, in order to consider the rate of increase / decrease V (t) according to the fluctuation of the stock price X (t) from the date / time t0 when the point storage is started to the date / time t, C (t-1) at the date / time t-1 is introduced. Then, C (t) can be obtained by the following equation (5).
C (t) = C (t-1) x V (t) x (1-Rm) ... (5)
As a result, the point balance P (t) corresponding to Q (t) in consideration of the above deviation can be obtained by the following equation (6).
P (t) = Q (t) x C (t) x Rp ... (6)

In the following, a case where the deduction coefficient C (t) includes the rate of increase / decrease V (t) will be described as an example, but the present invention is not limited to this, and the deduction coefficient C (t) does not include the rate of increase / decrease V (t). May be used. In this case, for example, C (t) is obtained by removing V (t) from the equation (5), and the multiplication result obtained by multiplying V (t) from the date and time t0 to the date and time t is multiplied by the equation (6). (T) is required.

[Operation of the present embodiment]
Next, the operation of the point management system 1 according to the present embodiment will be described with reference to FIG. FIG. 4 is a sequence diagram showing a point management operation. Here, the index that links the points is the closing price of the stock stock that is set in advance, and based on the closing price acquired once a day, the commission, the number of units held (number of shares held) Q (t), And the case of updating the point balance will be described.

First, when the user performs an addition / deletion (use) operation of points on the user terminal 20 (step 100), a point receipt / payment request is sent from the user terminal 20 to the point management device 10 via the communication network NW. It is transmitted (step 101).
When the terminal processing unit 17B of the point management device 10 receives the point receipt / payment request from the user terminal 20 via the communication I / F circuit 11, the terminal processing unit 17B receives the point receipt / payment request and registers the request contents in the storage circuit 14. (Step 102).

Subsequently, the terminal processing unit 17B returns the point receipt / payment response indicating that the point receipt / payment request has been received from the communication I / F circuit 11 to the user terminal 20 via the communication network NW (step 103).
When the user terminal 20 receives the point balance response from the point management device 10 via the communication network NW, the user terminal 20 displays the response content on the screen and notifies the user (step 104).

Next, in response to the arrival of the update timing (step 110), the data acquisition unit 17A of the point management device 10 accesses the information providing device 30 from the communication I / F circuit 11 via the communication network NW, and sets the index ID. The corresponding latest index value, for example, the closing price of the stock issue corresponding to the index ID is acquired, and is stored in the point setting DB 15 corresponding to the point ID (step 111). Regarding the update timing, for example, when acquiring the closing price, it may be set at the time when the closing price is fixed after the stock market transaction is completed.

Subsequently, the point management unit 17C of the point management device 10 calculates the rate of increase / decrease V (t) of the current day t based on the closing prices of the previous day and the current day stored in the point setting DB 15 corresponding to the point ID (step). 112), based on the deduction coefficient C (t-1) and storage fee rate Rm of the previous day t-1 stored in the point setting DB 15 corresponding to the point ID, and the rate of increase / decrease V (t). The deduction coefficient C (t) of t on the day is calculated by the formula (5) (step 113).

After that, the point management unit 17C confirms the number of balance points ΔP specified in the point balance request registered in the storage circuit 14 (step 114), and the balance fee Fe (t) and the storage fee Fm on the day t. (T) is calculated and stored in the point management DB 16 in association with the user ID, the point ID, and t on the day (step 115).
At this time, the balance fee Fe (t) = ΔP × Re of the day t is calculated by multiplying the balance point number ΔP by the balance fee rate Re set in the point setting DB 15 corresponding to the point ID. .. Further, the storage fee Fm (t) of the day t is calculated by the above-mentioned formula (3).

Next, the point management unit 17C uses the following formula based on the number of balance points ΔP, the conversion rate Rp set in the point setting DB 15 corresponding to the point ID, and the deduction coefficient C (t) of the day t. According to (7), the number of accounts receivables ΔQ corresponding to the number of accounts receivable points ΔP is calculated (step 116).
ΔQ = ΔP / (Rp × C (t))… (7)

After that, the point management unit 17C corresponds to the account number ΔQ calculated by the formula (7), the user ID, the point ID, and the previous day t-1, and is stored in the point management DB 16 the previous day t-1. Based on the number of units Q (t-1) held, the number of units Q (t) held on the day t is calculated and stored in the point management DB 16 in association with the user ID, the point ID, and t on the day (step 117). .. At this time, if the point account request is a point registration request, the value obtained by adding ΔQ to Q (t-1) is set as Q (t), and if the point account request is a point reduction (use) request, Q Let Q (t) be the value obtained by subtracting ΔQ from (t-1).

Subsequently, the point management unit 17C described above based on the number of units Q (t) and the deduction coefficient C (t) held on the day t and the conversion rate Rp set in the point setting DB 15 corresponding to the point ID. The point balance P (t) of the day t is calculated by the formula (6), and is stored in the point management DB 16 in association with the user ID, the point ID, and the day t (step 118).

After that, when the user performs the point balance inquiry operation on the user terminal 20 (step 120), the balance inquiry request is transmitted from the user terminal 20 to the point management device 10 via the communication network NW. (Step 121).
When the terminal processing unit 17B of the point management device 10 receives the balance inquiry request from the user terminal 20 via the communication I / F circuit 11, the user ID and points of the user notified in the balance inquiry request. The number of units Q (t), the point balance P (t), the storage fee Fm (t), and the balance fee Fe (t) stored in the point management DB 16 corresponding to the ID and t on the day are used as inquiry results. Acquire (step 122).

Subsequently, the terminal processing unit 17B returns the balance inquiry response including the acquired inquiry result from the communication I / F circuit 11 to the user terminal 20 via the communication network NW (step 123).
When the user terminal 20 receives the balance inquiry response from the point management device 10 via the communication network NW, the user terminal 20 displays the inquiry result on a screen and notifies the user (step 124).

[Operation example of this embodiment]
Next, an operation example of the point management system 1 according to the present embodiment will be described with reference to FIGS. 5 to 7. FIG. 5 is an explanatory diagram showing an operation example (t = T1). FIG. 6 is an explanatory diagram showing an operation example (t = T2). FIG. 7 is an explanatory diagram showing an operation example (t = T3).

Here, the user operates the user terminal 20 to newly register 10,000 points in the point account at the date and time T1 (Fig. 5), inquire the balance at the subsequent date and time T2 (Fig. 6), and then the date and time T3. The case where 2000 points are reduced (used) from the point account (Fig. 7) will be described as an example. These operations are executed in steps 110 to 118 of FIG. 4 described above. In this operation example, of the fees required for point management, only the storage fee Fm (t) is deducted from the point balance P (t), and the balance fee Fe (t) is deducted from the point balance P (t). Instead, for example, a case where a higher-level service provider or user is billed separately will be described.

In the following, a case where a stock price of a stock stock preset in relation to points is used as an index value will be described as an example. Further, for easy understanding, the intervals between the date and time T1, T2, and T3 are set to 1 day (storage period length D = 1). In addition, in common with FIGS. 5 to 7, the conversion rate Rp = 100 [pt / share], the storage fee rate Rm = 0.005 [% / day], and the accounting fee rate Re = 1.080 [% / time]. And. In addition, as the initial value (t = T0), the deduction coefficient C (T0) = 100.000 [%], the number of owned units (number of shares) Q (T0) = 0.0 [units], and the point balance P (T0) = 0. It is assumed that 0.0 [pt] is set. [Pt] is a unit indicating the number of points. In addition, the various calculation formulas shown in FIGS. 5 to 7 are calculated with 15 effective digits, and the obtained calculated value is basically rounded to the first decimal place, and if necessary, the third decimal place is used. The ones rounded to the nearest whole number are listed.

[Point new registration (t = T1)]
First, referring to FIG. 5, when starting to use the point management service, the user operates the user terminal 20 at the date and time T1, and the number of points to be paid and received ΔP = 10,000 [pt] is newly added to the point account. The case where the point balance request for registration (addition of points) is made will be described. In this case, since the point balance P (T0) is 0.0 [pt], the storage fee Fm (T1) does not occur, and only the account fee Fe (T1) required for adding the number of account points ΔP is generated. become.

When the stock price X (T1) at the date and time T1 is 500 [yen] and the stock price X (T0) at the date and time T0 on the previous day is also 500 [yen], the rate of increase / decrease V (T1) at the date and time T1 is described above. According to equation (1)
V (T1) = X (T1) / X (T0)
= 500 [yen] / 500 [yen]
= 100.000 [%]
Will be. Therefore, the deduction coefficient C (T1) at the date and time T1 is determined by the above-mentioned equation (5).
C (T1) = C (T0) x V (T1) x (1-Rm x D)
= 100.000 [%] x 100.000 [%] x (1-0.005 [% / day] x 1 [day])
= 99.995 [%]
Will be.

Further, the storage fee Fm (T1) at the date and time T1 is calculated by the above-mentioned formula (3).
Fm (T1) = P (T0) x V (T1) x Rm x D
= 0.0 [pt] x 100.000 [%] x 0.005 [% / day] x 1 [day]
= 0.0 [pt]
Will be.
On the other hand, since the balance fee Fe (T1) at the date and time T1 is the number of balance points ΔP = 10,000 [pt] and the number of balances N = 1 [times], the number of balance points ΔP, the balance fee rate Re, and the number of balances N The value multiplied by, that is,
Fe (T1) = ΔP × Re × N
= 10,000 [pt] x 1.080 [% / time] x 1 [time]
= 108.0 [pt]
Will be.

As a result, the number of cashiers ΔQ corresponding to the number of cashier points ΔP is calculated by the above-mentioned equation (7).
ΔQ = ΔP / (Rp × C (T1))
= 10,000 [pt] / (100 [pt / share] x 99.995 [%])
= 100.0 [shares]
Therefore, the number of owned units Q (T1) at the date and time T1 is the initial value Q (T0) plus the number of accounts accounted for ΔQ, that is,
Q (T1) = Q (T0) + ΔQ
= 0.0 [stock] + 100.0 [stock]
= 100.0 [shares]
Will be.

Therefore, the point balance P (T1) at the date and time T1 is calculated by the above equation (6).
P (T1) = Q (T1) x C (T1) x Rp
= 100.0 [shares] x 99.995 [%] x 100 [pt / share]
= 100.0 [pt]
Will be.

The deduction coefficient C (T1) = 99.995 [%] at the date and time T1 calculated in this way, the number of units held Q (T1) = 100.0 [shares], and the point balance P (T1) = 100.0 [ pt], storage fee Fm (T1) = 0.0 [pt], and balance fee Fe (T1) = 108.0 [pt] are associated with the user ID, point ID, and update date and time T1 to manage points. It is saved in DB16.

[Point balance inquiry (t = T2)]
Next, referring to FIG. 6, in order to confirm the point balance P (t) of the points stored in the point account, the user operates the user terminal 20 at the date and time T2 to request the balance inquiry of the points. The case where the above is performed will be described. In this case, since there is no point receipt / payment request from the user, only the storage fee Fm (T2) is incurred, and the point balance P (T2) fluctuates according to the stock price fluctuation.

When the stock price X (T2) at the date and time T2 is 550 [yen] and the stock price X (T1) at the date and time T1 on the previous day is 500 [yen], the rate of increase / decrease V (T2) at the date and time T2 is described above. According to equation (1)
V (T2) = X (T2) / X (T1)
= 550 [yen] / 500 [yen]
= 110.000 [%]
Will be.
Therefore, the deduction coefficient C (T2) at the date and time T2 is determined by the above-mentioned equation (5).
C (T2) = C (T1) x V (T2) x (1-Rm x D)
= 99.995 [%] x 110.000 [%] x (1-0.005 [% / day] x 1 [day])
= 109.989 [%]
Will be.

Further, the storage fee Fm (T2) at the date and time T2 is calculated by the above-mentioned formula (3).
Fm (T2) = P (T1) x V (T2) x Rm x D
= 100.00 [pt] x 110.000 [%] x 0.005 [% / day] x 1 [day]
= 0.6 [pt]
Will be.
On the other hand, since the balance fee Fe (T2) at the date and time T2 is the number of balance points ΔP = 0 [pt] and the number of balances N = 0 [times], the number of balance points ΔP, the balance fee rate Re, and the number of balances N (T2). ) And the value, that is,
Fe (T2) = ΔP × Re × N
= 0 [pt] x 1.080 [% / time] x 0 [time]
= 0.0 [pt]
Will be.

As a result, the number of cashiers ΔQ corresponding to the number of cashier points ΔP is calculated by the above-mentioned equation (7).
ΔQ = ΔP / (Rp × C (T2))
= 0.0 [pt] / (100 [pt / share] × 109.989 [%])
= 0.0 [share]
Therefore, the number of units owned Q (T2) at the date and time T2 is the value obtained by adding the number of units owned and received ΔQ at the date and time T1 the number of units owned Q (T1), that is,
Q (T2) = Q (T1) + ΔQ
= 100.0 [shares] +0.0 [shares]
= 100.0 [shares]
Will be.

Therefore, the point balance P (T2) at the date and time T2 is calculated by the above equation (6).
P (T2) = Q (T2) x C (T2) x Rp
= 100.0 [shares] x 109.989 [%] x 100 [pt / share]
= 10,999.5 [pt]
Will be.

The deduction coefficient C (T2) = 109.989 [%] at the date and time T2 calculated in this way, the number of units held Q (T2) = 100.0 [shares], and the point balance P (T2) = 10,999.5 [ pt], storage fee Fm (T2) = 0.6 [pt], and accounting fee Fe (T2) = 0.0 [pt] are associated with the user ID, point ID, and update date and time T2 to manage points. It is stored in DB16.

[Point use (t = T3)]
Next, referring to FIG. 7, in order to exchange the points stored in the point account for goods, the user operates the user terminal 20 at the date and time T3, and the number of points to be paid / received ΔP = 2,000 [pt]. ] Is used (point reduction) is made to explain the case of making a point balance request. In this case, since the point balance P (T2) = 10,999.5 [pt] and the number of balance points ΔP = 2,000 [pt], the storage fee Fm (T3) and the balance fee Fe (T3) Both will occur.

When the stock price X (T3) at the date and time T3 is 500 [yen] and the stock price X (T2) at the date and time T2 on the previous day is 550 [yen], the rate of increase / decrease V (T3) at the date and time T3 is described above. According to equation (1)
V (T3) = X (T3) / X (T2)
= 500 [yen] / 550 [yen]
= 90.909 [%]
Will be. Therefore, the deduction coefficient C (T3) at the date and time T3 is determined by the above-mentioned equation (5).
C (T3) = C (T2) x V (T3) x (1-Rm x D)
= 109.989 [%] x 90.909 [%] x (1-0.005 [% / day] x 1 [day])
= 99.985 [%]
Will be.

Further, the storage fee Fm (T3) at the date and time T3 is calculated by the above-mentioned formula (3).
Fm (T3) = P (T2) x V (T3) x Rm x D
= 10,999.5 [pt] x 90.909 [%] x 0.005 [% / day] x 1 [day]
= 0.2 [pt]
Will be.
On the other hand, since the accounting fee Fe (T3) at the date and time T3 is the number of accounting points N = 1 [times], the value obtained by multiplying the number of accounting points ΔP, the accounting fee rate Re, and the accounting number N, that is,
Fe (T3) = ΔP × Re × N
= 2,000 [pt] x 1.080 [% / time] x 1 [time]
= 21.6 [pt]
Will be.

As a result, the number of cashiers ΔQ corresponding to the number of cashier points ΔP is calculated by the above-mentioned equation (7).
ΔQ = ΔP / (Rp × C (T3))
= 2,000.0 [pt] / (100 [pt / share] x 99.985 [%])
= 20.0 [shares]
Therefore, the number of units owned Q (T3) at the date and time T3 is the value obtained by subtracting the number of units owned and received ΔQ from the number of units owned Q (T2) at the date and time T2, that is.
Q (T3) = Q (T2) -ΔQ
= 100.0 [shares] -20.0 [shares]
= 80.0 [shares]
Will be.

Therefore, the point balance P (T3) at the date and time T3 is calculated by the above equation (6).
P (T3) = Q (T3) x C (T3) x Rp
= 80.0 [shares] x 99.985 [%] x 100 [pt / share]
= 7,999.0 [pt]
Will be.

The deduction coefficient C (T3) = 99.985 [%] at the date and time T3 calculated in this way, the number of units held Q (T3) = 80.0 [shares], and the point balance P (T3) = 7,999.0 [ pt], storage fee Fm (T3) = 0.2 [pt], and balance fee Fe (T3) = 21.6 [pt] are associated with the user ID, point ID, and update date and time T3 to manage points. It is stored in DB16.

[Effect of Embodiment]
As described above, in the present embodiment, the point management unit 17C updates the point balance P (t) of the point management DB 16 in conjunction with the index value of the economic index associated with the points in advance, and sets the points in advance. The fee required for managing points is deducted from the point balance P (t) based on the commission rate.

As a result, the fee required for managing the points held by the user can be easily calculated and collected by the point management device 10. Therefore, it is necessary for the service provider who provides the point management service with the point management device 10 to prepare a fee calculation system separately from the point management device 10 for calculating and collecting the fee required for point management and earning profits. Is gone. Therefore, the equipment scale and equipment cost for providing the point management service can be significantly reduced, and the profit of the service provider who provides the point management service can be improved.

Further, in the present embodiment, the fee rate includes the fee rate of the storage fee Fm (t) required when the points are stored in the point account for the unit period by the number of unit points, and the point management unit 17C includes the storage fee Fm. The fee required for storing points may be calculated based on the fee rate of (t), the point balance P (t), and the storage period length D that manages the point balance P (t).
As a result, the point balance P (t) of the points stored in the point account by the user and the storage fee Fm (t) according to the length of the storage period can be easily calculated and collected.

Further, in the present embodiment, the commission rate includes the commission rate of the accounting fee Fe (t) required when points are added to the point account or reduced from the point account by the number of unit points, and the point management unit 17C determines. The fee required for the balance of points may be calculated based on the fee rate of the balance fee Fe (t) and the number of balance points ΔP to be added or reduced.
As a result, each time the user adds points to the point account or deletes (uses) the points he / she holds by exchanging points, etc., the account fee Fe according to the number of added / deleted points ΔP. (T) can be easily calculated and collected.

Further, in the present embodiment, as the storage period length D, only the period length of the increase period in which the index value has increased may be used among the periods in which the point balance P (t) is managed. As a result, the storage fee Fm (t) during the period when the index value does not rise can be non-collected from the point balance P (t), and a point management service can be provided in which the user can obtain a high degree of satisfaction. ..
Further, in the present embodiment, as the commission rate, a variable commission type commission rate may be used, in which the commission rate decreases as the usage period or frequency of use of the point account by the user increases. As a result, the more the user uses the point management service, the more the fee is reduced, so that the service usage rate of the user can be increased.

Further, in the present embodiment, the point management unit 17C may add the number of fee points corresponding to the calculated fee to the preset total point balance of the service provider.
As a result, the fees collected from each user can be easily totaled, and the balance of points for totaling can be exchanged for cash via stocks or the like. In addition, when the point management service is outsourced from a higher-level service provider, the fee required for point management can be easily billed in a lump sum.

Further, in the present embodiment, in the point management unit 17C, as the number of units of real or virtual financial products whose value is linked to the index value, the number of units owned by the user Q (t) that changes according to the balance of points to the point account. ), And when converting the number of owned units Q (t) into the point balance P (t), the storage fee Fm (t) required for storing the points may be deducted from the point balance P (t).
As a result, when the number of units owned by the user Q (t) is converted into the point balance P (t), the point storage fee Fm (t) is automatically deducted from the point balance P (t). Therefore, the process of linking the point balance P (t) to the index value and the process of deducting the storage fee Fm (t) from the point balance P (t) can be collectively executed.

Further, in the present embodiment, the point management unit 17C stores the points from the point balance P (t) based on the storage fee rate Rm indicating the storage fee Fm (t) required when the number of unit points is managed over the unit period. When calculating the deduction coefficient C (t) for deducting the commission Fm (t) and converting the number of units owned Q (t) to the point balance P (t), the preset conversion rate Rp and the deduction coefficient C Based on (t), the storage fee Fm (t) required for storing points may be deducted from the point balance P (t).
As a result, the point balance P (t) is multiplied by the conversion rate Rp and the deduction coefficient C (t), which is a simple calculation process that links the point balance P (t) to the index value and the storage fee Fm (t). ) Can be deducted from the point balance P (t) at once.

[Extension of Embodiment]
Although the present invention has been described above with reference to the embodiments, the present invention is not limited to the above embodiments. Various changes that can be understood by those skilled in the art can be made to the structure and details of the present invention within the scope of the present invention.

1 ... Point management system, 10 ... Point management device, 11 ... Communication I / F circuit, 12 ... Operation input device, 13 ... Screen display device, 14 ... Storage circuit, 15 ... Point setting DB, 16 ... Point management DB, 17 ... Arithmetic processing circuit, 17A ... Data acquisition unit, 17B ... Terminal processing unit, 17C ... Point management unit, 20 ... User terminal, 30 ... Information providing device, NW ... Communication network, Rp ... Conversion rate, Rm ... Storage fee rate , Re ... Account fee rate, C ... Deduction coefficient, Q ... Number of units owned, P ... Point balance, ΔP ... Number of accounts and accounts, N ... Number of accounts, X ... Stock price, V ... Rate of increase / decrease, D ... Storage fee, Fe ... Account fee, ΔQ ... Number of accounts.

Claims (13)

User terminals used by users and
A point management device that is provided so as to be able to connect to the user terminal via a communication network and manages points owned by the user.
It is equipped with a point management database that stores the point balance of the points.
The point management device updates the point balance of the point management database in conjunction with the index value of the economic index associated with the point in advance, and of the point based on a preset commission rate. A point management system characterized by deducting management fees from the point balance. In the point management system according to claim 1,
The fee rate includes the fee rate of the storage fee required when the points are stored for a unit period by the number of unit points.
The point management device is characterized in that it calculates a fee required for storing the points based on the fee rate of the storage fee, the point balance, and the storage period length for which the point balance is managed. system. In the point management system according to claim 1 or 2.
The fee rate includes the fee rate of the accounting fee required when the points are added or reduced by the number of unit points.
The point management device is a point management system characterized in that the fee required for the receipt and payment of the points is calculated based on the fee rate of the balance fee and the number of balance points to be added or reduced. In the point management system according to claim 2,
The storage period length is a point management system characterized in that, of the period in which the point balance is managed, the storage period length includes the period length of the rising period in which the index value rises. In the point management system according to any one of claims 1 to 4.
The fee rate is a point management system comprising a variable fee rate type fee rate in which the fee rate decreases as the usage period or frequency of use by the user increases. In the point management system according to any one of claims 1 to 5.
The point management device is a point management system characterized in that the number of fee points corresponding to the fee is added to a preset total point balance of a service provider. In the point management system according to any one of claims 1 to 6,
The point management device manages the number of units held by the user, which changes according to the receipt and payment of the points, as the number of units of real or virtual financial products whose value is linked to the index value, and the number of units held is the point balance. A point management system characterized in that a fee required for storing the points is deducted from the point balance when converting to. In the point management system according to claim 7,
The point management device calculates a deduction coefficient for deducting the storage fee from the point balance based on a fee rate indicating a storage fee required when managing the number of unit points over a unit period, and determines the number of units held. A point management system characterized in that, when converting to the point balance, a fee required for storing the points is deducted from the point balance based on a preset conversion rate and the deduction coefficient. In the point management system according to claim 8,
The point management device calculates the storage fee from the point balance based on a fee rate indicating a storage fee required when managing the number of unit points over the unit period and the rate of increase / decrease of the financial product in the unit period. A point management system characterized by calculating a deduction factor for deduction. In the point management system according to claim 9,
The fee rate indicating the storage fee is Rm, the arbitrary date and time is t, the date and time past the date and time t is t-1, and the length of the storage period from the date and time t-1 to the date and time t is D. When the rate of increase / decrease of the financial instrument in this storage period is V (t) and the deduction coefficient at the date / time t-1 is C (t-1), the deduction coefficient C (t) at the date / time t is , The following formula,
C (t) = C (t-1) x V (t) x (1-Rm x D)
A point management system characterized by being calculated in. In the point management system according to claim 10,
When the conversion rate between the financial product and the number of points of the points is Rp and the number of units held at the date and time t is Q (t), the point balance P (t) at the date and time t is expressed by the following equation.
P (t) = Q (t) x C (t) x Rp
A point management system characterized by being calculated in. It is used in a point management system including a user terminal used by the user and a point management device connected to the user terminal via a communication network, and the points owned by the user are the points of the user. The point management device managed by an account
A point management device comprising the point management device of the point management system according to any one of claims 1 to 11. A user terminal used by the user, a point management device that is provided so as to be able to connect to the user terminal via a communication network and manages points owned by the user, and a point that stores the point balance of the points. A point management method used in a point management system equipped with a management database.
A first step in which the point management device updates the point balance of the point management database in conjunction with an index value of an economic index associated with the point in advance.
A point management method, characterized in that the point management device includes a second step of deducting a fee required for managing the points from the point balance based on a preset fee rate.

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