JP2021047916A - System, method, and program for point operation - Google Patents

Abstract

To assist realization of a target profit by point operation in consideration of a gradual exchange unit specific to point service and a point effective period.SOLUTION: A point operation system 10 for operating points that a user holds in point service allowing for exchanging accumulated points with an item or the like based on an indicator relating to financial products has a point-operation management unit 12 that, based on a target value and/or a withdrawal value of a point balance in operation set up based on a gradual exchange unit for exchanging points with a commodity or the like, computes information about prediction of whether or not a point balance reaches respectively the target value and/or the withdrawal value before a time limit or selects a financial product high in probability to reach the target value.SELECTED DRAWING: Figure 1

Description

The present invention relates to a point service technology, and more particularly to a technology effective when applied to a point operation system and a point operation program that provide a point operation service based on a financial index.

A point service in which points are given to a customer who is a purchaser according to the purchase amount of a product or service is widely used. The points earned and accumulated by the customer have a property value similar to money, for example, they can be exchanged for products of the company that gave the points, or can be used for payment. Not limited to exchange for products (or purchase of these), it is also being considered to exchange for financial products such as stocks. For example, Japanese Patent Application Laid-Open No. 2002-169963 (Patent Document 1) states that points accumulated by users are exchanged for stocks, bonds, investment trusts, and financial products such as the right to purchase stocks. The point system that can be used is described.

JP-A-2002-169963

According to the prior art, customers can exchange points for financial products to operate and increase points.

On the other hand, in many point services, the exchange unit for exchanging points accumulated by customers for products, etc. is set in stages, which is a fraction of the feasible profit (that is, exchangeable products, etc.). Points can occur. As a typical example, airline mileage services allow you to exchange accumulated points (miles) for airline tickets, but depending on the type and destination of the airline ticket, 10,000 miles → 12,000. Exchange units are set in stages such as miles → 15,000 miles → ... In this case, for example, even if the customer has accumulated 12,000 miles or more, until the customer reaches 15,000 miles, the exchangeable ticket is up to 12,000 miles, and the remaining points are fractional. Will be.

In many cases, points have an expiration date. Therefore, as in the conventional technology, simply exchanging points with financial products to enable operation, even if points increase due to operation, the points will not reach the next stage of exchange unit or the expiration date will expire. In many cases, it may not be possible to achieve the target profit, such as points expiring.

Therefore, an object of the present invention is to provide a point operation system and a point operation program that support the realization of a target profit by operating points in consideration of a stepwise exchange unit peculiar to a point service and an expiration date of points. There is.

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

A brief description of typical inventions disclosed in the present application is as follows.

The point management system according to a typical embodiment of the present invention is a point management system that manages points held by a user in a point service in which accumulated points can be exchanged for goods or the like based on an index related to financial products. , Based on the target value and / or withdrawal value of the point balance in operation, which is set based on the stepwise exchange unit when exchanging points for goods, etc., the point balance will be the target value and / or by the deadline. It has a point operation management unit that calculates information related to the prediction of whether or not to reach the withdrawal value, or selects a financial product that has a high probability of reaching the target value.

The present invention can also be applied to a program that operates a computer as a point operation system as described above.

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

That is, according to a typical embodiment of the present invention, it is possible to support the realization of the target profit by operating the points in consideration of the stepwise exchange unit peculiar to the point service and the expiration date of the points. It will be possible.

It is a figure which showed the outline about the structural example of the point operation system which is one Embodiment of this invention. It is a figure which showed the outline of the operation example of the point in one Embodiment of this invention. It is a flowchart which showed the example of the process flow of the point operation in one Embodiment of this invention. It is a figure which showed the outline about the screen example displayed on the user terminal at the time of performing the point operation in one Embodiment of this invention. It is a figure which showed the outline about the data structure of the point balance DB of the point management system and the example of concrete data in one Embodiment of this invention. It is a figure which showed the outline about the data structure of the operation amount DB and the example of concrete data in one Embodiment of this invention. It is a figure which showed the outline about the data structure of the operation instruction DB and the example of concrete data in one Embodiment of this invention. It is a figure which showed the outline about the data structure of the financial instrument management DB and the example of concrete data in one Embodiment of this invention. It is a figure which showed the outline of the example of the relationship between the property value of a point, the perceived price and the cost in one embodiment of the present invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings. In addition, in all the drawings for explaining the embodiment, in principle, the same reference numerals are given to the same parts, and the repeated description thereof will be omitted. On the other hand, the parts described with reference numerals in one figure may be referred to with the same reference numerals in the explanation of other figures, although they are not shown again.

The point management system according to the embodiment of the present invention is an information processing system capable of operating and increasing points earned and accumulated by a user like a financial product based on a financial index. At that time, the target value is set based on the stepwise exchange unit peculiar to the point service, and the deadline (that is, the operation period) until the target is achieved is set. Then, after considering the expiration date (expiration date) of the points with respect to the due date, we support the realization of the operation so that the number of accumulated points is likely to reach the target value by the due date.

In the following description, as an example of the point service, a case where the accumulated points (miles) are exchanged for an airline ticket in the mileage service of an airline company will be described as an example. That is, the points can be exchanged in stages such as 10,000 miles → 12,000 miles → ..., and can be exchanged for tickets with different prices (values) at each stage.

<Outline of point operation>
FIG. 2 is a diagram showing an outline of an operation example of points in the present embodiment. In the example of FIG. 2, the transition of the balance of the user's points (miles) with the passage of time is shown by a curve. From the beginning to J points, the balance of points is below the initial exchange unit of 10,000 miles. That is, the thick straight line in the figure indicates that there are no tickets that can be exchanged during this period and the feasible profit is zero. The thick line shows that when the point balance exceeds 10,000 miles at point J, the feasible profit at that time gradually increases to the value of the ticket that can be exchanged for 10,000 miles. ..

After that, for example, at point K, the point operation was started with the next exchange unit of 12,000 miles as the target value, and although there was an increase or decrease to the current point L, the target value of 12,000 miles was reached. Indicates a non-existent state. In this case, the feasible profit in the meantime is fixed at an exchangeable value of 10,000 miles. That is, the portion held over 10,000 miles will be a fraction when exchanged for a 10,000-mile ticket.

Then, after the current L point, for example, if the operation is successful and the point balance reaches 12,000 miles at the M point, the feasible profit at that time is the value of the ticket that can be exchanged for 12,000 miles. Gradually rise to. Then, when the target value is reached, the operation of the points is terminated, and the desired airline ticket is acquired by exchange. Even before the maturity of the operation period, by terminating the operation when the target value is reached, it is possible to avoid the risk of the point balance falling due to the subsequent failure of the operation.

On the other hand, after the current L point, for example, if the operation is not successful and the point balance decreases to 10,000 miles, which is the previous exchange unit at the M point, the point operation is terminated and the point operation is 10,000 miles. By exchanging for an airline ticket, the same feasible profit as at the start of operation will be confirmed. In this case, the points held in excess of the withdrawal value of 10,000 miles will be extinguished, but unless the next exchange unit of 12,000 miles is reached, that part will remain. It will be a fraction. In addition, since the same feasible profit as at the start of operation can be obtained at the minimum, there is no substantial loss even if it disappears.

In this way, for the point balance at the start of operation, set the target value and withdrawal value in the stepwise exchange unit, and when the point balance reaches either, exchange it for the corresponding product etc. and end the operation To do. This makes it possible to expand operational opportunities toward the target value while avoiding substantial loss to the user, eliminate the occurrence of fractional points as much as possible, and perform efficient operation. ..

<System configuration>
FIG. 1 is a diagram showing an outline of a configuration example of a point operation system according to an embodiment of the present invention. The point operation system 10 is composed of, for example, a server system such as a server device or a virtual server built on a cloud computing service, and information used by a user (user) via a network 40 such as the Internet. It has a configuration in which a user terminal 50, which is a processing terminal, is connected. Further, the point operation system 10 is operated by a company or the like (hereinafter, may be referred to as a "point issuer") that provides a point service via a network such as a network 40 or a LAN (Local Area Network) (not shown). It may be connected to a point management system 20 which is an information processing system to be managed, or a financial product trading system 30 which is an information processing system operated and managed by a financial institution that buys and sells financial products.

The point operation system 10 is, for example, an OS (Operating System), a DBMS (DataBase Management System), or a Web server program developed on a memory from a recording device such as an HDD (Hard Disk Drive) by a CPU (Central Processing Unit) (not shown). By executing middleware such as, and software running on it, various functions related to the provision of point operation services will be realized.

The point operation system 10 has, for example, each unit such as a user interface unit 11 implemented as software, a point operation management unit 12, and a financial product cooperation unit 13. In addition, it has each recording unit such as an operation amount database (DB) 14, an operation instruction DB 15, and a financial product operation DB 16 implemented by a database, a file table, or the like.

The user interface unit 11 is a Web browser (not shown) on the user terminal 50 that displays a screen for receiving instructions such as contents and conditions related to the operation of points from the user and a screen for presenting information such as the operation status to the user. And provide a user interface to be displayed on the screen of a dedicated application. The information related to the operation instruction received from the user is recorded in the operation instruction DB 15. In addition, information such as the operation status is acquired from the operation amount DB 14 and displayed. Further, processing such as user authentication and customization for each user may be performed by referring to a user DB (not shown) that holds account information for each user, setting information for each user, and the like.

The point operation management unit 12 is based on financial indicators related to financial products (for example, highly volatile products such as stocks, foreign exchange, crude oil, etc.) based on the information on the operation contents and conditions of each user set in the operation instruction DB 15. Points (miles in this embodiment) are used. The value of the financial index can be obtained from the financial product trading system 30 via the financial product cooperation unit 13 described later, or can be obtained from an external site, an information providing service, or the like via the network 40, for example.

In addition, information that contributes to the selection of financial indicators (for example, prediction of the point balance on the due date when operating in conjunction with the selected financial indicator) so that the user is more likely to reach the target value when giving an operation instruction. A value, a probability of reaching a target value, etc.) may be calculated by a known method and presented to the user via the user interface unit 11. Alternatively, the user may entrust the management of points to an investment advisory institution or the like instead of giving the operation instruction by himself / herself, and the institution or the like may give the operation instruction.

The points that are the source of the operation can be grasped by referring to the contents recorded for each user in the point balance DB 21 of the point management system 20, for example. Not limited to the points currently held, it is also possible to perform margin trading in which a user first borrows and manages points that are the source of investment by setting certain assets and information having collateral value as collateral. For example, if you have a track record of earning points above a certain level every year for the past few years, you can set this as collateral and set points on the assumption that you will earn points equivalent to this in the future. You may be able to borrow.

In addition, if the number of points reaches the target value by the points borrowed or by the points obtained by operating this, and the desired product etc. (award ticket in this embodiment) is obtained by exchange, the relevant Goods may be used as collateral. For example, when points (miles) reach the target value and an award ticket for a future flight is obtained, the ticket may be confiscated if the borrowing of points cannot be canceled by the boarding date. Targets personal information with property value, such as the provision (or permission) of future user behavior history (for example, information useful for marketing such as purchase history and movement history of products). It is also possible.

The borrower of points may be, for example, the point operation system 10 (the operating entity) or the point management system 20 (the point issuing entity). Also, if possible, it may be borrowed from another user.

The result of increase / decrease due to the operation of points is settled together with the exchange for products etc. at the end of operation (achievement of target, withdrawal, or expiration of operation period), and is actually reflected in the point balance DB 21 of the point management system 20. It may be reflected at any time or regularly.

In addition, for example, when the user sets a high target value and the operation is successful and a large return is obtained (for example, when 10,000 miles becomes 100,000 miles), this is performed. If the points are exchanged for points of another point issuer, there is a risk that the cash-out burden of the original point issuer will become excessive. Therefore, in the present embodiment, the points used for the operation and the points obtained by the operation can be used only in the point exchange service of the original point issuer (in the present embodiment, the points can only be exchanged for award tickets. ) May be restricted. For example, in the point management system 20, the target points are managed separately from the normal points, and the use is controlled to be limited to the exchange for award tickets.

The financial product cooperation unit 13 manages the actual financial product by using the points provided by each user for the operation as a source of funds. This part is hidden from the operation of points by the user, and for example, the issuer of points can independently manage financial products by using the reserve for the target points as a source of funds. As will be described later, for example, the points provided by each user for investment are aggregated and summarized for each financial product (for example, stocks, foreign exchange, crude oil, etc.) of the investment destination, and the points that have increased in scale are the points of points. In consideration of issuance costs, etc., the optimal type (for example, cash, futures, options, etc.) for each financial product is automatically or manually selected and distributed for operation. In this way, instead of exchanging the points provided by the users for financial products for each user, the points issuer collectively exchanges the points for financial products after adding them up, thereby relating to the buying and selling of financial products. Fees can be reduced.

In addition, it may be operated by a financial product different from the investment destination instructed by the user. For example, while presenting physical indicators for stocks, exchanges, crude oil, etc. to users, points are issued only by purchasing the minimum necessary futures and options in consideration of the point issuance cost and expiration date. It is possible to prevent the subject from incurring losses. When operating points, the actual trading of financial products may be automatically performed in cooperation with the financial product trading system 30.

<Processing flow>
FIG. 3 is a flowchart showing an example of the process flow of the point operation in the present embodiment. First, the user accesses the user interface unit 11 of the point operation system 10 by using the user terminal 50, and inputs a part or all of the information related to the operation instruction through the displayed screen (S01). The point operation management unit 12 calculates prediction information such as the probability of whether or not the point balance reaches the target value or the withdrawal value based on the content of the input operation instruction, and via the user interface unit 11. Is displayed on the user terminal 50 (S02). Based on the content of the operation instruction, the recommended information related to the operation content may be acquired and presented.

After that, it is determined whether or not the user has instructed the start of operation via the user terminal 50 (S03). For example, when the user consents to the content of the prediction information related to the point balance displayed on the user terminal 50 and the recommended operation content in step S02, and gives an instruction to start the operation based on the content ( S03: Yes), start the operation of points (S04). At this time, the information of the accepted operation instruction is recorded in the operation instruction DB 15, and the information of the operation content based on the information is recorded in the operation amount DB 14. On the other hand, if the user does not consent to the content of the forecast information related to the point balance (S03: No), the user returns to step S01 to change or correct the content of the operation instruction, recalculate the forecast information, or recalculate the recommended information. The process of acquiring and the like is repeated.

In the operation of step S04, the balance of points is increased or decreased according to the actual fluctuation status of the financial index (crude oil price, etc.) related to the financial product to be operated, based on the content of the operation instruction. As described above, the result of the increase / decrease in the point balance may be settled at the end of the operation and actually reflected in the point balance DB 21 of the point management system 20, or may be reflected at any time or periodically. You may do so.

In addition, the user can access the user interface unit 11 at any time during the operation period by using the user terminal 50 and refer to the operation status recorded in the operation amount DB 14. The content of the operation instruction may be reviewed based on the operation status, and the content of the operation instruction may be changed at any time by the same processing as in steps S01 to S03. Further, as described above, during the operation period, for example, a company or the like that mainly issues points actually uses the points (or reserves for the points) provided by each user as a source of funds through the Financial Instruments Cooperation Department 13. Can manage financial products.

During the operation period, it is determined at any time whether or not the point balance has reached the target value (S05). When it is reached (S05: Yes), the feasible profit is determined by exchanging points with the reached target value as an exchange unit (S06), and the operation is terminated. On the other hand, when the point balance has not reached the target value (S05: No), it is determined whether or not the point balance has reached the withdrawal value (that is, whether or not it has decreased to the withdrawal value) (S07). When it is reached (S07: Yes), the minimum feasible profit is secured by exchanging points using the reached withdrawal value as an exchange unit (S08), and the operation is terminated.

When exchanging points, for example, the point operation management unit 12 instructs the point management system 20 to exchange points, and the point management system 20 subtracts points from the point balance DB 21 and exchanges the points. Perform a predetermined exchange process consisting of instructions for shipping the products, etc. Instead of automatically exchanging points and terminating the operation, the user is notified by e-mail or other means that the target value or withdrawal value has been reached, and whether or not the points are actually exchanged. You may let the user make the decision.

If the point balance has not reached the target value or the withdrawal value (S07: No), it is determined whether or not the operation period has expired (S09). If the operation period has not expired (S09: No), the process returns to step S04 to continue the operation. When the operation period has expired (S09: Yes), the operation is terminated. At this time, assuming that the operation was not successful because the target value was not reached, only the points corresponding to the withdrawal value are exchanged by the same processing as in step S08 to secure the minimum feasible profit. You may.

<Screen example>
FIG. 4 is a diagram showing an outline of a screen example displayed on the user terminal 50 when performing point operation in the present embodiment. The upper figure shows a screen example when inputting an instruction such as an operation condition (steps S01 and S02 in FIG. 3), and the lower figure shows a screen example when the input of the instruction is completed and the operation start is instructed (. A screen example of step S03: Yes, S04) of FIG. 3 is shown.

In the upper screen example, the information on the balance of points currently held by the user is shown in the "Point balance" table in the upper row. Within this balance, the user specifies the operation type (financial index) and the number of points to be operated in the "Operation type setting" table in the middle row. In addition, specify the operation deadline (operation period), the target value of the point balance, and the withdrawal value in the "Operation target setting" table at the bottom. When a value is input to one of the tables, the point operation management unit 12 may calculate a related value of the other table and automatically set / update the value in conjunction with the value.

For example, when the number of operation points (10,000 in the example in the figure) is specified in the "Operation type setting" table in the middle row, the latest number of points specified in the value of the stepwise exchange unit in the point service. The values of the exchange units (12,000 and 10,000 in the example in the figure) related to the upper and lower stages of are acquired. Then, in the "operation target setting" table at the bottom, the higher stage of the acquired exchange units is set as the target value, and the lower stage is set as the withdrawal value. The user may change the exchange unit of the set target value and the withdrawal value to the exchange unit of another stage.

In addition, when the investment type (“crude oil” in the example in the figure) is specified in the “operation type setting” table in the middle row, for example, from the expected return r and volatility σ related to the target financial index by a known method. , Calculate the probability of reaching the target value or withdrawal value by the deadline (that is, the expected degree of reaching the target value and the risk of falling to the withdrawal value), and set it as the probability of occurrence in the "Operational target setting" table at the bottom. be able to. Instead of the probability, other indicators related to future prediction may be used as appropriate. In addition, the status of the arrival prediction of the target value and the withdrawal value may be presented by a graph as shown in the lower right of the screen.

In addition, in the "Operational target setting" table at the bottom, the deadline (2017/7/31 in the example in the figure), the target value, the withdrawal value, and the probability of reaching these values (expected probability, allowable probability) are determined by the user. If specified, the operation type and the number of operation points that will reach the specified value with the specified probability by the specified deadline are calculated by a known method, and in the "Operation type setting" table in the middle row. It can be set as a recommended value.

If a value is specified or set in the "Operation type setting" table in the middle row and the "Operation target setting" table in the lower row, and the user consents to the content, the user can click "Start operation" on the screen. By pressing a button (including various operations such as clicking with a mouse or tapping with a touch panel (not shown)), the start of operation of the point with the content is instructed.

At the start of operation and during the subsequent operation period, the user terminal 50 displays a screen like the screen example in the lower row. By referring to such a screen, the user can grasp the operation content, the current point balance, the information related to the prediction of the operation result, and the like. In the example in the figure, in response to the instruction to operate 10,000 miles with "crude oil" specified in the screen example of the operation instruction in the upper row, the expiration date is finally "2017/7/31". It shows that all 8,000 miles of "" were preferentially allocated to "crude oil". In addition, the shortage of 2,000 miles will be allocated to 2,000 miles out of the 3,000 miles of "2018/4/30", which has a late expiration date, and the remaining 1,000 miles will remain unused. It also shows that there is. In this way, by preferentially allocating points with an earlier expiration date to operations, points with an approaching expiration date can be effectively utilized.

<Data structure>
FIG. 5 is a diagram showing an outline of a data structure of the point balance DB 21 of the point management system 20 and an example of specific data in the present embodiment. The point balance DB 21 is a table that holds information related to the actual balance of points for each user in the point management system 20 that is operated and managed by the point issuing entity or the like. For example, "customer ID", "acquisition date", "acquisition date", " It has items such as "expiration date", "number of points", and "balance".

The item of "customer ID" holds ID information that uniquely identifies each customer (user). Each item of "acquisition date" and "expiration date" holds information on the date on which the target points were acquired and the date on which the points expire (expiration date), respectively. Each point is identified by its "expiration date" (or a combination of "acquisition date" and "expiration date"). The item of "number of points" holds information on the total number of points for each unit specified by the target "expiration date" or the like. The "Balance" item holds information on the total number of valid points for each user.

In the example of FIG. 5, for the user whose "customer ID" is "000001", the "expiration date" is 8,000 miles of "2017/7/31" and 3,000 miles of "2018/4/30". It is shown that you have points. It is also shown that the user's "balance" is 11,000 miles. In the present embodiment, one special record for holding the total "balance" value is provided for each user, but the method for holding the point balance is limited to this. is not it.

FIG. 6 is a diagram showing an outline of a data structure of the operation amount DB 14 and an example of specific data in the present embodiment. The operation amount DB 14 is a table that holds information on the operation status including the operation amount of points for each user. For example, "customer ID", "acquisition date", "expiration date", "number of points", "operation type". , And each item such as "operation start date".

Each item of "customer ID", "acquisition date", "expiration date", and "number of points" is basically the same as each item corresponding in the point balance DB 21 shown in FIG. The description is omitted. However, regarding the "number of points", the point balance DB21 in FIG. 5 holds information on the total number of points for each unit specified by the "expiration date" (or a combination of the "acquisition date" and the "expiration date"). On the other hand, the investment amount DB14 is different in that it retains information on the total number of points for each unit specified by the item of "operation type" described later in addition to the "acquisition date" and "expiration date". .. The "total number of points" here is the current balance that reflects the investment results. Therefore, as reference information, information on the number of points used as the principal of operation may be separately held.

The item of "operation type" holds information such as a name and a code value that specifies a financial index that manages the target point. The item of "operation start date" holds the information of the date when the operation was started for the target point. In the example of FIG. 6, for example, for a user whose "customer ID" is "000001", 8,000 miles of points whose "expiration date" is "2017/7/31" are assigned from "2017/4/1" to "2017/4/1". It is operated with "crude oil", and the "expiration date" indicates that the points of 3,000 miles of "2018/4/30" are operated from "2017/4/10" to "dollar yen".

FIG. 7 is a diagram showing an outline of a data structure of the operation instruction DB 15 and an example of specific data in the present embodiment. The operation instruction DB 15 is a table that holds information related to the operation contents and instructions of points for each user, and has, for example, each item such as "customer ID", "target value", and "withdrawal value". Each item of "target value" and "withdrawal value" holds the target value of the balance when operating points and the value of the exchange unit which is the withdrawal value, respectively. In the example of FIG. 7, for example, for a user whose "customer ID" is "000001", 15,000 miles are set as the "target value" and 10,000 miles are set as the "withdrawal value".

FIG. 8 is a diagram showing an outline of a data structure of the financial instrument management DB 16 and an example of specific data in the present embodiment. The financial product management DB 16 shown in the lower figure is a table that holds information related to the operation content and operation status when the point issuer, etc. manages the financial product using the points provided by the user as a source of funds. Yes, for example, it has each item such as "operation type", "financial product type", and "total balance". The item of "operation type" holds information such as a name and a code value that identifies a financial product that is actually operated. The item of "financial product type" holds information such as a name and a code value that specifies the product type in the target financial product. The item "Total balance" holds the total value of the balance of investment points for the target financial product (and product type).

As described above, the financial product cooperation unit 13 manages the actual financial product by using the points provided by each user for the operation as a source of funds. At this time, the points provided by each user for investment are aggregated and summarized for each financial product of the investment destination, and the points that have increased in scale are optimal for each financial product in consideration of the point issuance cost and the like. It is possible to distribute and operate by type.

In the example of FIG. 8, in the operation amount DB 14 in the upper figure, a plurality of users whose "customer ID" is "000001", "0000012", "0000014", etc. each instruct "crude oil" as a financial product and point. It shows that it is operating. In the present embodiment, the balance of the operation points of these users who are operating with "crude oil" is totaled, and the actual operation with "crude oil" (or other financial products) is performed using these points as a source of funds. In the financial product management DB16 in the lower figure, it is shown that "crude oil" is actually managed by dividing it into each product type of "in-kind", "futures 2017/6", and "option PUT50 2017/6". Shown.

The data configurations (items) of the tables shown in FIGS. 5 to 8 described above are merely examples, and other table configurations and data configurations can be used as long as similar data can be retained and managed. It may be.

<Modification example>
As shown in FIG. 2 and the like described above, in the present embodiment, a target value and a withdrawal value at the time of point operation are set, and points are exchanged and operated when the point balance due to the operation reaches either of them. To finish. Here, the withdrawal value is, for example, an exchange unit (10,000 miles in the example of FIG. 2) corresponding to the feasible profit in the point balance at the start of operation. By doing this, it is possible to at least not fall below the feasible profit that was secured at the start of operation, but on the other hand, regarding the possibility that the operation situation will improve after that and the point balance will increase and reach the target value. Will also be abandoned.

On the other hand, while ensuring the user at least secure the feasible profit corresponding to the point balance of the withdrawal value, by delaying the time when the points are actually exchanged and confirmed, the opportunity for point operation is increased. It is conceivable to expand and maintain the possibility of reaching the above-mentioned target value for a longer period of time.

For example, although it can be said that the points held by the user have a property value, the means for realizing this value as an actual profit is limited to the exchange with a product or the like (award ticket in the present embodiment). In this case, the value of the points provided for exchange for the product, etc. to the user is grasped as the amount of money (for example, the displayed price of the product, etc.) required when actually purchasing the exchanged product, etc. in the market, etc. (Hereinafter, this amount may be referred to as the "cognitive price").

On the other hand, since the exchange target is a product or the like, there is a "cost" for these, and there is a certain gap with the user's perceived price. Therefore, for example, in the operation of points as described above, even if the point balance is further lower than the withdrawal value (when the principal is broken), in other words, the property value of the point balance is the withdrawal value. Even if the price is lower than the recognized price of the exchangeable product, etc. (award ticket in this embodiment), the user can exchange it for the target product, etc. as long as the cost of the target product, etc. is not lower. It can be said that it may be tolerated.

FIG. 9 is a diagram showing an outline of an example of the relationship between the property value of points and the perceived price and cost in the present embodiment. In the example of FIG. 9, the transition of the balance of the user's points with the passage of time is converted into the transition of the property value and shown by a curve. From the beginning to point P and from point Q to point R, the property value of the points exceeds the perceived price of exchangeable products at the withdrawal value (that is, the balance of the points exceeds the withdrawal value). Indicates a state (exceeding).

On the other hand, between points P and Q on the way, the property value of the points is below the recognized price (that is, the balance of the points is below the withdrawal value), but it is higher than the cost price. Is shown. When the operation method as shown in the example of FIG. 2 is adopted, the points are exchanged for products or the like at the P point by the recognition price. Therefore, for example, between the Q point and the R point after that, The possibility of an increase in the property value (point balance) due to the improvement of investment will be abandoned.

In this embodiment, the operation of points is terminated when the operation is not successful and the balance of points decreases, and finally the property value of points decreases to the cost of exchangeable products at the withdrawal value at point S. However, it shall be exchanged for exchangeable products, etc. at the withdrawal price. In this case, even if the point balance (property value of the points) decreases, the user does not suffer a loss because he / she can finally obtain an exchangeable product or the like at the withdrawal value. On the other hand, the point issuer also takes over the loss of the user corresponding to the gap between the perceived price of the exchangeable product etc. and the cost at the withdrawal price, so the profit decreases, but at least it is "cost break". It is possible to avoid going into the red.

In the example of FIG. 9, the property value of the points, which is the standard for withdrawal after the operation is completed, is set as the cost of products and the like that can be exchanged at the withdrawal value of the point balance, but the present invention is not limited to this. If the value is higher than the cost price (that is, the value that the point issuer does not suffer a deficit) and is lower than the recognized price of the target product or the like, it is possible to expand the user's point management opportunity. In addition, since the user can finally obtain a product or the like that can be exchanged at the withdrawal price, the property value of the point is lower than the recognized price of the target product or the like (for example, the P point in the figure). It is possible to make the user not aware of the distance from point Q to point Q or from point R to point S). For example, when presenting the property value of points to the user, if the price is lower than the recognized price of the target product or the like, the recognized price is presented as an alternative.

As described above, according to the point management system 10 according to the embodiment of the present invention, it is possible to manage and increase the points acquired / accumulated by the user like a financial product based on a financial index. Is. At that time, the target value is set based on the stepwise exchange unit peculiar to the point service, the deadline for achieving the target is set, and the expiration date (expiration date) of the points with respect to the due date is taken into consideration until the due date. It is possible to realize an operation in which the number of accumulated points is likely to reach the target value.

Although the invention made by the present inventor has been specifically described above based on the embodiments, the present invention is not limited to the above embodiments and can be variously modified without departing from the gist thereof. Needless to say. For example, the above-described embodiment has been described in detail in order to explain the present invention in an easy-to-understand manner, and is not necessarily limited to the one including all the described configurations. Further, it is possible to add / delete / replace a part of the configuration of the above-described embodiment with another configuration.

Further, each of the above configurations, functions, processing units, processing means and the like may be realized by hardware by designing a part or all of them by, for example, an integrated circuit. Further, each of the above configurations, functions, and the like may be realized by software by the processor interpreting and executing a program that realizes each function. Information such as programs, tables, and files that realize each function can be placed in a memory, a hard disk, a recording device such as an SSD (Solid State Drive), or a recording medium such as an IC card, an SD card, or a DVD.

Further, in each of the above figures, the control lines and information lines are shown as necessary for explanation, and not all the control lines and information lines in the implementation are necessarily shown. In practice, it can be considered that almost all configurations are interconnected.

The present invention can be used in a point management system and a point management program that provide a point management service based on a financial index.

10 ... Point management system, 11 ... User interface department, 12 ... Point operation management department, 13 ... Financial product cooperation department, 14 ... Operation amount DB, 15 ... Operation instruction DB, 16 ... Financial product operation DB,
20 ... Point management system, 21 ... Point balance DB,
30 ... Financial product trading system,
40 ... Network,
50 ... User terminal

Claims (9)

It is a point management system that manages points held by users in a point service that allows accumulated points to be exchanged for products, etc., based on indicators related to financial products.
Point operation that calculates information related to the prediction of whether or not the point balance will reach the target value and / or the withdrawal value by the operation deadline based on the target value and / or withdrawal value of the point balance in the operation. system. In the point operation system according to claim 1,
Based on the target value and / or withdrawal value of the point balance in the operation, which is set based on the stepwise exchange unit when exchanging points for goods, etc., the point balance becomes the target value and the point balance by the operation deadline. / Or a point management system that calculates information related to the prediction of whether or not to reach the withdrawal value, or selects a financial product with a high probability of reaching the target value. In the point operation system according to claim 1,
When the point balance reaches the target value or the withdrawal value, the user is notified to that effect, or the points are exchanged for products or the like related to the exchange unit corresponding to the reached target value or the withdrawal value. Point operation system. In the point operation system according to claim 1,
Furthermore, the points provided by the user are exchanged for financial products via an information processing system that buys and sells financial products.
A point management system that exchanges points used by the user for financial products different from the financial products specified by the user as the target of point management. In the point operation system according to claim 4,
A point management system that adds up the points used by multiple users and exchanges the added points for a predetermined financial product. In the point operation system according to claim 1,
A point operation system in which points borrowed by the user can be included in the points provided by the user. In the point operation system according to claim 3,
Even if the point balance of the user reaches the withdrawal value and then decreases further, the operation of the points is continued, and when the monetary value corresponding to the point balance reaches a predetermined amount, the user is notified to that effect. A point operation system that notifies you or exchanges points for specified products. It is a point management method in a point management system that manages points held by users in a point service that allows accumulated points to be exchanged for products, etc., based on indicators related to financial products.
Based on the target value and / or withdrawal value of the point balance in the operation, there is a step of calculating the information related to the prediction of whether or not the point balance reaches the target value and / or the withdrawal value by the operation deadline, respectively. , Point operation method. It is a point operation program that causes a computer to execute processing so that it functions as a point operation system that operates points held by users based on indicators related to financial products in a point service that can exchange accumulated points for products.
Point operation that calculates information related to the prediction of whether or not the point balance will reach the target value and / or the withdrawal value by the operation deadline based on the target value and / or withdrawal value of the point balance in the operation. program.

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