JP2021193521A - System, method, and program - Google Patents

Abstract

To provide a system, a method, and a program for suppressing the deviation of excessive financial fund transfer among participants, in a platform of an affiliated store agreement of point service.SOLUTION: A system comprises: a point usage information acquisition unit which acquires point usage information; a divergence value calculation unit which calculates a divergence value between the total amount of acquisition quantity and the total amount of consumption quantity, based on section information and quantity information, about the point usage information which is generated at a predetermined time period and includes specific provider identification information or specific point identification information, of the acquired point usage information; and a correction processing unit which executes prescribed correction processing for correcting the divergence value, when a prescribed condition related to the divergence value is satisfied.SELECTED DRAWING: Figure 1

Description

The present invention relates to systems, methods, and programs.

Conventionally, various businesses have provided point services that give points that allow users who purchase products or use services to enjoy various benefits such as discounts on products and services. There are many businesses that provide such point services, and the types of point services are also diverse. Regarding this point, for example, Patent Document 1 discloses a point investment / loan operation management system and a point investment / loan operation management method capable of collecting points issued by a plurality of point issuers and making an investment / loan. ing.

Information on the balance and usage of points is managed independently by a specific point manager, but in many point services, other businesses are allowed to become member stores of the point service. In such a member store system, a business operator (member store business operator) who becomes a member store can also make a user as his / her own customer use the point service. In addition, when the user acquires or consumes points in a transaction with a member store operator, it is necessary to transfer the points acquisition quantity and the resources corresponding to the consumption quantity between the point manager and the member store operator. Occurs.

In this regard, a scheme can be considered to form a platform for comprehensively managing and operating individual member store contracts between multiple point services and multiple member store operators. Such a platform makes it easier for point managers and member store operators to manage points and resources, and for users, it has the effect of expanding the choices of point services and stores that can be used.

Japanese Unexamined Patent Publication No. 2015-88088

However, in such a platform, the difference between the acquisition quantity and the consumption quantity of points by the user may become excessive for a specific point manager or a specific member store operator who participates in the platform. As described above, it becomes necessary to transfer resources between the point manager and the member store operator (transfer of resources) according to the acquisition and consumption of points by the user. In such a case, if the burden of transferring funds by a specific point manager or a specific member store operator increases and it becomes difficult to participate in the platform, it will be difficult to operate the platform continuously and stably. ..

Therefore, an object of the present invention is to provide a system, a method, and a program for suppressing an excessive bias in the transfer of resources among participants in the platform of the member store contract of the point service.

The system according to one aspect of the present invention is point usage information, which identifies business identification information for identifying a business operator who conducts a transaction with a user, and points acquired or consumed by the user in connection with the transaction. Point identification information for the purpose, classification information indicating the classification of whether the user acquires or consumes points in connection with the transaction, and the acquisition quantity of points acquired by the user in connection with the transaction or consumption by the user in connection with the transaction. Of the point usage information acquisition unit that acquires the quantity information including the consumption quantity of points and the point usage information including, and the acquired point usage information, the specific business identification information or the specific point generated in a predetermined period. For point usage information including identification information, the deviation value calculation unit that calculates the deviation value between the total amount of acquired quantity and the total amount of consumption quantity based on the classification information and quantity information, and the predetermined conditions related to the deviation value are satisfied. In this case, it is provided with a correction processing unit that executes a predetermined correction processing for correcting the deviation value.

According to this aspect, when the deviation value between the total amount of points acquired by the user and the total amount of consumption quantity by the user within a predetermined period for a specific point or a specific business operator becomes a predetermined threshold value or more. Corrective action is executed. Therefore, excessive bias in the transfer of resources is suppressed.

According to the present invention, it is possible to provide a system, a method, and a program for suppressing an excessive bias of resource transfer among participants in a platform of a member store contract of a point service.

It is a figure for demonstrating the outline of the information processing system 1 which concerns on embodiment. It is a figure which shows an example of the structure of the information processing system 1 which concerns on embodiment. It is a figure which shows an example of the data structure of a user information table. It is a figure which shows an example of the data structure of a business operator information table. It is a figure which shows an example of the data structure of a point utilization information table. It is a figure which shows an example of the operation sequence which concerns on the predetermined processing with the use of the point by the information processing system 1. It is a figure which shows an example of the operation flow which concerns on the calculation process of the predetermined deviation value and the predetermined correction process by the PF system 10. It is a figure which shows another example of the operation flow which concerns on the calculation process of the predetermined deviation value and the predetermined correction process by the PF system 10. It is a figure which shows an example of the operation sequence which concerns on the clearing process by the information processing system 1.

Preferred embodiments of the present invention will be described with reference to the accompanying drawings. (Note that, in each figure, those having the same reference numerals have the same or similar configurations.)

(1) Outline With reference to FIG. 1, an outline of the information processing system 1 according to the embodiment will be described. As shown in FIG. 1, the information processing system 1 includes, for example, a platform (PF) system 10, a plurality of user terminals 20, a plurality of point management systems 30, and a plurality of, which are connected to each other so as to be able to communicate with each other via a predetermined communication network. It has a business operator system 40 and the like. As described below, the PF system 10 is used by the PF administrator, the user terminal 20 is used by the user, the point management system 30 is used by the point manager, and the operator system 40 is used by the operator.

In the information processing system 1, the PF system 10, the point management system 30, and the operator system 40 can be used as consideration for providing goods, services, etc. to the user who uses the user terminal 20. Point service regarding points is provided. Each point service is managed by a predetermined point manager via the point management system 30. In the example shown in FIG. 1, the point service related to the A point is managed by the point manager A who uses the point management system 30A, and the point service related to the B point is managed by the point manager B who uses the point management system 30B. The point service to be managed and related to the C point is managed by the point manager C who uses the point management system 30C.

Each business operator using the business operator system 40 can become a member store of the point service by joining an arbitrary point service managed by the point manager. Then, the user selects at least one desired point service from the point services to which the business operator belongs via the user terminal 20, and registers the user information managed by the PF administrator via the PF system 10, for example. can do. As a result, the user can use the point service registered as described above in the transaction with the business operator. In this way, in the information processing system 1, a platform consisting of a plurality of point services is formed.

Here, the usage mode of the point service is not particularly limited, but for example, the user consumes points in consideration of receiving the provision of a predetermined product / service from the business operator, or acts against the business operator. It is possible to get points by performing. In the example shown in FIG. 1, the user U can use the point service related to the A point, the B point, and the C point in the transaction with the business operator K using the business operator system 40 via the user terminal 20. be. That is, the user U can consume A points, B points, and C points, respectively, or acquire A points, B points, and C points in a transaction with the business operator K.

In the information processing system 1 according to the present embodiment, for example, in the PF system 10, any points such as A point, B point, and C point are unified points from the user terminal 20 as shown in FIG. It may be accepted to exchange for "reserve points". Here, points such as A point, B point, and C point may be referred to as "original points" with respect to the "accumulated points". Thereby, the PF system 10 can provide the user with a service capable of aggregating a plurality of original points into the accumulation points. In addition, each business operator may be able to become a member store for the accumulated points, and in this case, the user can also use the accumulated points in a transaction with a business operator that is a member of the accumulated points. It becomes.

Here, the user can use the points for discounts at the time of purchasing products / services provided by the point manager. Therefore, the point manager needs to hold the resources corresponding to the points held by the user in legal currency or any other form. Furthermore, the user can also acquire or consume points in transactions with businesses that are members of the point service. Therefore, for example, when a user acquires points in a transaction with a business operator, the business operator who has made a transaction with the user needs to provide the point manager with resources corresponding to the points acquired by the user. Further, for example, when a user consumes points in a transaction with a business operator, the point manager needs to provide the business operator who has made a transaction with the user with resources corresponding to the points consumed by the user. .. In this way, it may be necessary to transfer resources between the business operator and the point manager according to the transaction between the user and the business operator.

For example, for a specific business operator, the total amount of points acquired by any user in connection with the transaction with the business operator may be significantly different from the total amount of points consumed. Further, for example, for a specific point service, there may be a case where the total amount of points acquired by any user in connection with a transaction with any business operator and the total amount of points consumed may greatly deviate from each other. If such a divergence becomes large, the burden of transferring resources between the point manager and the business operator may be excessively biased toward the specific point manager or the specific business operator. As a result, it may be difficult for point managers and businesses, whose burden of transferring resources has increased, to maintain their participation in the platform, which in turn may make it difficult to operate the platform continuously and stably.

The PF system 10 according to the present embodiment can execute various correction processes when such a deviation value exceeds a predetermined range. That is, the PF system 10 acquires information (point usage information) regarding acquisition or consumption of points associated with a transaction between a user and a business operator from a user terminal 20, a business operator system 40, or the like. Then, the PF system 10 calculates a deviation value between the total amount of points acquired by the user and the total amount of consumption quantity for a specific business operator or point service at a predetermined timing. When the deviation value satisfies a predetermined condition (for example, when it is equal to or more than a predetermined threshold value), the PF system 10 executes a predetermined correction process for correcting the deviation value. Specifically, the PF system 10 changes, for example, a process of notifying an alert to a specific business operator or point manager, or changing the contract contents related to a specific business operator or point manager for at least a certain period of time. Execute the process.

(2) Configuration (2-1) Information processing system 1
FIG. 2 is a diagram showing an example of the configuration of the information processing system 1 according to the embodiment. As shown in FIG. 2, the information processing system 1 includes, for example, a PF system 10, a plurality of user terminals 20, a plurality of point management systems 30, and a plurality of operators connected so as to be communicable via a communication network N such as the Internet. It has a system 40, a resource management system 50, and the like.

(2-2) PF system 10
The PF system 10 is a server device for managing the platform of the point service, and includes, for example, a communication unit 11, a storage unit 12, and a processing unit 13. The PF system 10 may be composed of one or more information processing devices.

The communication unit 11 has a communication interface circuit for connecting the PF system 10 to the communication network N. The communication unit 11 supplies the data received from the user terminal 20, the point management system 30, the operator system 40, and the like to the processing unit 13. Further, the communication unit 11 transmits the data supplied from the processing unit 13 to the user terminal 20, the point management system 30, the operator system 40, and the like.

The storage unit 12 is composed of, for example, a semiconductor memory, a magnetic disk device, an optical disk device, or the like, and stores a driver program, an operating system program, an application program, data, and the like used for processing by the processing unit 13. For example, the storage unit 12 stores a communication device driver program or the like that controls the communication unit 11 as a driver program. The various programs may be installed in the storage unit 12 from a computer-readable portable recording medium such as a CD-ROM or a DVD-ROM using a known setup program or the like. Further, the storage unit 12 stores a user information table, a business operator information table, and a point usage information table as data.

FIG. 3A is a diagram showing an example of the data structure of the user information table. As shown in the figure, the user information table records "user information", "available points", "balance information", "registered business operator", etc. in association with the user ID. The information contained in the user information table shown in FIG. 3A is an example, and the user information table may not include at least a part of the above-mentioned items, or may include other items.

Identification information (ID) for identifying a user is recorded in the "user ID". In the "user information", arbitrary personal information / attribute information including the user's name, name, address, occupation, gender, affiliation, etc. are recorded.

In the "available points", information indicating the types of points that can be used by the user in a transaction with at least one business operator is recorded. For example, the user can use the points in a transaction with a registered business operator by performing a predetermined registration process managed by the point management system 30. For example, the PF system 10 may make an inquiry to each point management system 30 and update the "available points" for each user. Further, the "available points" may include accumulated points, which are unified points obtained by exchanging each of a plurality of original points. The user can use the accumulated points in the transaction with the registered business operator by performing the predetermined registration process managed by the PF system 10. Further, the "usable points" may include temporary points that are provisionally issued by the PF system 10 or the like in order to exchange for any of the points.

In the "balance information", information indicating the balance of each point (original point, accumulated point, provisional point, etc.) is recorded. The PF system 10 may update the "balance information" related to each original point based on the information regarding the balance of the original points acquired from each point management system 30 at an arbitrary timing for the original points. Specifically, for example, the PF system 10 may periodically inquire of each point management system 30 about the balance of the original points, or at the timing when each point management system 30 processes the transaction of the original points. Information regarding the balance of points may be notified to the PF system 10. Further, regarding the accumulated points, the breakdown information of the accumulated points is further recorded in the "balance information". Here, the breakdown information of the accumulation points is information showing the breakdown of the quantity of each original point which is the exchange source of the accumulation points. For example, in the case of the user related to the user ID "U001" shown in FIG. 3A, 4,500 points (30%) of the 15,000 points accumulated by the user are 6,750 by exchanging A points. Points (45%) were obtained by exchanging B points, and 5,250 points (35%) were obtained by exchanging C points. The breakdown information is re-issued by the point management unit 134 or the like when, for example, the quantity of accumulated points fluctuates (when accumulated points are used or when a predetermined original point is exchanged for accumulated points). It is calculated. In addition, the breakdown information is used in the calculation of the consumption quantity of points at the time of generating the point usage information described later.

In the "registered business operator", information (business operator ID, etc.) indicating a business operator whose points can be used by the user is recorded for each point service.

FIG. 3B is a diagram showing an example of the data structure of the business operator information table. As shown in the figure, the business operator information table is associated with the identification information (business operator ID) for identifying the ID business operator, and is associated with "business operator information", "membership point service", and "member store contract information". , And "registered user" etc. are registered. The information contained in the business information table shown in FIG. 3B is an example, and the business information table may not include at least a part of the above-mentioned items, or may include other items.

In the "business information", arbitrary information about the business, including the name, address, industry, company information, etc. of the business is recorded. In the "membered point service", the point service to which the business operator belongs is recorded. For example, by selecting at least one point service from these affiliated point services and registering it in the PF system 10, the user can use the point service in a transaction with the business operator. .. The "membership point service" may include accumulated points. That is, the business operator can also join the point service related to the accumulated points provided by the PF system 10. In addition, by registering the accumulated points for the business operator, the user can also use the point service related to the accumulated points in the transaction with the business operator.

The "member store contract information" includes the member store contract between the business operator and the point manager who manages the point service related to the "membered point service" (in the case of accumulated points, the PF manager of the PF system 10). Information indicating the contents of is recorded. In the example shown in FIG. 3B, as an example of "merchant contract information", the content of the fee that the business operator should pay to the point manager regarding the user's acquisition of points in connection with the transaction with the business operator is shown. Information is shown. Specifically, for each point service, the fee is defined as a ratio to the quantity of points acquired by the user. The fee provision is not limited to this, and may be, for example, a format linked to the number of transactions, sales of goods / services, or a fixed value format. In addition, the business information table may include any contract content other than the provision of fees as "member store contract information".

In the "registered user", the user ID of the user registered for the use of the point service recorded in the "membered point service" in the transaction with the business operator is recorded. That is, the user related to the user ID recorded in the "registered user" can use the point service recorded in the "membered point service" in the transaction with the business operator.

FIG. 3C is a diagram showing an example of the data structure of the point usage information table. Each record constituting the point usage information table corresponds to the point usage information generated in connection with a specific transaction performed between the user and the business operator. As shown in the figure, the point usage information table includes "point usage information No.", "generation date and time", "classification information", "user ID", "business ID", "usage points", "quantity information", "Transaction details" etc. are registered. The information contained in the point usage information table shown in FIG. 3C is an example, and the point usage information table may not include at least a part of the above-mentioned items, or may include other items.

In the "point usage information No.", identification information, serial numbers, and the like given to the individual point usage information are recorded. In the "generation date and time", information indicating the date and time when the point usage information was generated is recorded. The point usage information table is not limited to the "generation date and time", but includes point usage information such as the date and time when the point usage information was recorded in the point usage information table and the date and time when the transaction between the user and the business was performed. Any relevant temporal information may be recorded. In the "classification information", information indicating the classification of whether the user acquires or consumes points in connection with the transaction with the business operator is recorded.

In the "classification information", for example, "acquisition" indicating that the user acquires points, or "consumption" indicating that the user consumes points is recorded. From the user's point of view, it can be said that acquiring points means that points flow into the user's side, so the above-mentioned "acquisition" may be referred to as "inflow". Similarly, from the user's point of view, it can be said that consuming points causes points to flow out from the user's side, so the above-mentioned "consumption" may be referred to as "outflow".

In the "user ID", the user ID of the user who made the transaction is recorded. In the "business ID", the business ID of the business that made the transaction is recorded. In the "use points", information indicating the types of points acquired or consumed by the user in connection with the transaction is recorded. In the "use points", for example, original points such as A points, B points, and C points, reserve points, provisional points, and the like are recorded. In the "quantity information", information indicating the acquisition quantity of points acquired by the user in connection with the transaction or information indicating the consumption quantity of points consumed by the user in association with the transaction is recorded. When the "utilization point" is a reserve point, the "quantity information" records the breakdown information of the quantity of the reserve point in addition to the quantity of the reserve point. For example, the point usage information No. shown in FIG. 3C. In the case of the point usage information related to "P007", the classification information is "consumption", and "total: 550 points" is recorded in the "quantity information". Therefore, the point usage information indicates that the user (user ID "U222") has consumed 550 accumulated points in the transaction with the business operator (business operator ID "K033"). Further, of the 550 points accumulated points, 150 points are accumulated points acquired by exchanging A points, 200 points are accumulated points acquired by exchanging B points, and 200 points are accumulated points acquired by exchanging C points. It shows that it is a reserve point acquired by.

In the "transaction content", information indicating the content of the transaction between the user and the business operator is recorded. In the information processing system 1, for example, the content of a transaction in which points are transferred from a user to a business operator (that is, a transaction in which a user consumes points) or a transaction in which points are transferred from a business operator to a user (that is, a transaction in which points are transferred from a business operator to a user) for each business operator. That is, the contents of the transaction in which points are issued to the user) may be arbitrarily set. For example, each business operator or user may independently set such transaction details. This allows businesses and users to flexibly design the details of transactions in which points are used and issued. Alternatively, the administrator of the PF system 10 may set the transaction details. The user can use the points to make a predetermined transaction with the business operator.

Returning to FIG. 2, the processing unit 13 includes one or more processors and peripheral circuits thereof. The processing unit 13 comprehensively controls the overall operation of the PF system 10, and is, for example, a CPU (Central Processing Unit). The processing unit 13 controls the operation of the communication unit 11 and the like so that various processes of the PF system 10 are executed by an appropriate procedure based on the program and the like stored in the storage unit 12. The processing unit 13 executes processing based on a program (operating system program, driver program, application program, etc.) stored in the storage unit 12.

The processing unit 13 includes, for example, a point usage information acquisition unit 131, a deviation value calculation unit 132, a correction processing unit 133, a point management unit 134, a resource management unit 135, and the like. The point usage information acquisition unit 131 receives, for example, point usage information transmitted from another information processing device (user terminal 20 or business operator system 40) via the communication unit 11. The deviation value calculation unit 132 calculates the deviation value between the total amount of points consumed by the user and the total amount of acquisition quantity within a predetermined period for a specific business operator or point service, for example, based on the point usage information. For example, when the predetermined condition relating to the above-mentioned deviation value is satisfied, the correction processing unit 133 executes a predetermined correction processing for correcting the deviation value. The correction process will be described later. The point management unit 134 executes various processes related to the management of points such as original points, accumulated points, and provisional points. For example, the point management unit 134 exchanges points owned by the user in response to an exchange request from the user terminal 20. The user can, for example, exchange the original points for the accumulated points, exchange the provisional points for the original points, and the like. The point management unit 134 manages, for example, the balances of the original points, the accumulated points, and the provisional points held by the user by the user information table in response to the exchange request from the user terminal 20. Further, for example, when the content of the exchange request acquired from the user terminal 20 includes the exchange of the original points, the point management unit 134 informs the point management system 30 that manages the original points of the original points in response to the exchange request. May be requested to increase or decrease. The resource management unit 135 executes, for example, a process for managing the resources of each point. The resource management unit 135 calculates the settlement amount of the resource for each business operator and each point manager based on, for example, the point usage information table. Further, the resource management unit 135 notifies, for example, the calculated settlement amount to the target business operator and / or the point manager.

(2-3) User terminal 20
The user terminal 20 is an information processing device for a user to use a point service provided by the information processing system 1, such as a mobile phone (smartphone, feature phone, etc.) and a tablet terminal. The user terminal 20 includes, for example, a communication unit 21, a storage unit 22, an operation unit 23, a display unit 24, and a processing unit 25.

The communication unit 21 includes a communication interface circuit including an antenna having a predetermined frequency band as a sensitive band, and connects the user terminal 20 to the communication network N. Then, the communication unit 21 transmits the data supplied from the processing unit 25 to the PF system 10, the point management system 30, the operator system 40, and the like. Further, the communication unit 21 supplies the data received from the PF system 10, the point management system 30, the operator system 40, and the like to the processing unit 25.

The storage unit 22 includes, for example, a semiconductor memory device. The storage unit 22 stores an operating system program, a driver program, an application program, data, and the like used for processing in the processing unit 25. The various programs may be installed in the storage unit 22 from a computer-readable portable recording medium such as a CD-ROM or a DVD-ROM using a known setup program or the like. Further, the storage unit 22 may temporarily store temporary data related to a predetermined process.

The operation unit 23 may be any device as long as the user terminal 20 can be operated, and is, for example, a touch panel, a key button, or the like. The user can input characters, numbers, symbols, etc. using the operation unit 23. When the operation unit 23 is operated by the user, the operation unit 23 generates a signal corresponding to the operation. Then, the generated signal is supplied to the processing unit 25 as a user's instruction.

The display unit 24 may be any device as long as it can display an image, an image, or the like, and is, for example, a liquid crystal display, an organic EL display, or the like. The display unit 24 displays an image corresponding to the image data supplied from the processing unit 25, an image corresponding to the image data, and the like.

The processing unit 25 includes one or more processors and peripheral circuits thereof. The processing unit 25 controls the overall operation of the user terminal 20 in an integrated manner, and is, for example, a CPU. The processing unit 25, such as the communication unit 21, the display unit 24, etc., so that various processes of the user terminal 20 are executed by an appropriate procedure based on the program stored in the storage unit 22, the operation of the operation unit 23, and the like. Control the operation. The processing unit 25 executes processing based on a program (operating system program, driver program, application program, etc.) stored in the storage unit 22.

The processing unit 25 has, for example, a point utilization information management unit 251 and a display processing unit 252. The point usage information management unit 251 manages, for example, the use of points (acquisition and consumption of points by the user, etc.) associated with transactions performed between the user and the business operator. Specifically, for example, the point usage information management unit 251 may input information related to a transaction when a predetermined transaction is performed between the user and the business operator, or a product related to the transaction. -When a predetermined code associated with a service is read, point usage information related to the transaction is generated. Further, for example, the point usage information management unit 251 transmits point usage information to another information processing device or the like via the communication unit 21. The display processing unit 252 causes the display unit 24 to display various screens based on the display data stored in the storage unit 22 and the display data received by the reception unit via the communication unit 21.

(2-4) Point management system 30
The point management system 30 is a server device that manages each original point, and includes, for example, a communication unit 31, a storage unit 32, and a processing unit 33. The point management system 30 may be composed of one or more information processing devices.

The communication unit 31 has a communication interface circuit for connecting the point management system 30 to the communication network N. The communication unit 31 supplies the data received from the PF system 10, the user terminal 20, the operator system 40, and the like to the processing unit 33. Further, the communication unit 31 transmits the data supplied from the processing unit 33 to the PF system 10, the user terminal 20, the operator system 40, and the like.

The storage unit 32 is composed of, for example, a semiconductor memory, a magnetic disk device, an optical disk device, or the like, and stores a driver program, an operating system program, an application program, data, and the like used for processing by the processing unit 33. For example, the storage unit 32 stores a communication device driver program or the like that controls the communication unit 31 as a driver program. The various programs may be installed in the storage unit 32 from a computer-readable portable recording medium such as a CD-ROM or a DVD-ROM using a known setup program or the like. Further, the storage unit 32 stores as data a point ledger table for managing the original points owned by each user.

The processing unit 33 includes one or more processors and peripheral circuits thereof. The processing unit 33 comprehensively controls the overall operation of the point management system 30, and is, for example, a CPU (Central Processing Unit). The processing unit 33 controls the operation of the communication unit 31 and the like so that various processes of the point management system 30 are executed by an appropriate procedure based on the program and the like stored in the storage unit 32. The processing unit 33 executes processing based on a program (operating system program, driver program, application program, etc.) stored in the storage unit 32.

The processing unit 33 has, for example, a point management unit 331. The point management unit 331 executes, for example, various processes related to the management of the original points. Specifically, for example, the point management unit 331 is owned by the user or the like by updating the point ledger table based on the increase / decrease request acquired from the PF system 10, the user terminal 20, the operator system 40, or the like. Manage the balance of original points.

(2-5) Business operator system 40
The business operator system 40 is a system used by a business operator who is a member of an arbitrary point service. The business mode of the business operator is not particularly limited, but may include, for example, a financial institution such as a securities company or an insurance company.

The operator system 40 includes, for example, a communication unit 41, a storage unit 42, and a processing unit 43. The operator system 40 may be composed of one or more information processing devices.

The communication unit 41 has a communication interface circuit for connecting the operator system 40 to the communication network N. The communication unit 41 supplies the data received from the PF system 10, the user terminal 20, the point management system 30, and the like to the processing unit 43. Further, the communication unit 41 transmits the data supplied from the processing unit 43 to the PF system 10, the user terminal 20, the point management system 30, and the like.

The storage unit 42 is composed of, for example, a semiconductor memory, a magnetic disk device, an optical disk device, or the like, and stores a driver program, an operating system program, an application program, data, and the like used for processing by the processing unit 43. For example, the storage unit 42 stores a communication device driver program or the like that controls the communication unit 41 as a driver program. The various programs may be installed in the storage unit 42 from a computer-readable portable recording medium such as a CD-ROM or a DVD-ROM using a known setup program or the like.

The processing unit 43 includes one or more processors and peripheral circuits thereof. The processing unit 43 comprehensively controls the overall operation of the operator system 40, and is, for example, a CPU (Central Processing Unit). The processing unit 43 controls the operation of the communication unit 41 and the like so that various processes of the operator system 40 are executed by an appropriate procedure based on the program and the like stored in the storage unit 42. The processing unit 43 executes processing based on a program (operating system program, driver program, application program, etc.) stored in the storage unit 12.

The processing unit 43 has, for example, a point usage information management unit 431. The point usage information management unit 431 manages, for example, the use of points (acquisition and consumption of points by the user, etc.) associated with transactions performed between the user and the business operator. Specifically, for example, the point usage information management unit 431 may input information related to a transaction when a predetermined transaction is performed between the user and the business operator, or a product related to the transaction. -When a predetermined code associated with a service is read, point usage information related to the transaction is generated. Further, for example, the point usage information management unit 431 transmits point usage information to another information processing device or the like via the communication unit 41.

(2-6) Resource management system 50
The resource management system 50 is composed of one or a plurality of information processing devices, and is a system used by a financial institution such as a bank to manage the accounts of the resources of each of the PF manager, the point manager, and the business operator. The resource management system 50 executes transfer of resources between accounts in response to requests from the PF system 10, the user terminal 20, the point management system 30, the business operator system 40, and the like.

(3) Operation (3-1) Use of points FIG. 4 is a diagram showing an example of an operation sequence related to a predetermined process associated with the use of points by the information processing system 1. The operation sequence may be executed at an arbitrary timing, for example, when a transaction is made between a user and a business operator.

(S101) First, the business operator system 40 responds to the case where the user, the business operator, or the like inputs information related to the transaction when a predetermined transaction is performed between the user and the business operator, or the product / service related to the transaction. When the attached predetermined code is read, point usage information related to the transaction is generated. It is transmitted to the PF system 10. The PF system 10 receives (acquires) the point usage information from the business operator system 40. Here, the point usage information is, for example, the user ID of the user who made the transaction, the business ID of the business operator who made the transaction, the point ID of the points acquired or consumed by the user in connection with the transaction, and the point ID associated with the transaction. It includes classification information indicating the classification of whether the user acquires or consumes points, and the quantity of points acquired by the user in connection with the transaction (acquisition quantity) or the quantity of points to be consumed (consumption quantity). The point usage information may further include transaction details indicating the details of the transaction, for example. When the user consumes the accumulated points, the consumption quantity is the breakdown information.

(S102) Further, when a predetermined transaction is performed between the user and the business operator by the user terminal 20 in combination with or in place of step S101 described above, information regarding the transaction is performed by the user, the business operator, and the like. Is entered, or when a predetermined code associated with a product or service related to a transaction is read, point usage information related to the transaction may be generated. It may be transmitted to the PF system 10. As a result, the PF system 10 receives (acquires) the point usage information from the user terminal 20.

(S103) When the PF system 10 receives the point usage information from the business operator system 40, the user terminal 20, and the like, the PF system 10 adds the point usage information as a new record to the point usage information table, thereby adding the point usage information table. Update.

(S104) When the point ID included in the point usage information received in steps S101 and S102 is the point ID related to the original point, the PF system 10 next sends an increase / decrease request based on the point usage information to the point. It is transmitted to the point management system 30 that manages the point ID included in the usage information. Here, the increase / decrease request increases the holding balance of points related to the user ID included in the point usage information by the amount of "quantity information" included in the point usage information in the point ledger table managed by the point management system 30. Or it is a request to reduce. If the point ID included in the point usage information received in steps S101 and S102 is a point ID related to a reserve point or a temporary point, the process proceeds to step S107 without going through step S104.

(S105) When the point management system 30 receives the increase / decrease request from the PF system 10, the point management system 30 updates the point ledger table based on the increase / decrease request. Specifically, the holding balance of points related to the user ID included in the increase / decrease request is increased or decreased by the quantity included in the increase / decrease request.

(S106) Next, the point management system 30 transmits a notification to the PF system 10 that the increase / decrease of points has been completed.

(S107) Next, the PF system 10 updates the user information table based on the point usage information received in steps S101 and S102. Specifically, when the classification information included in the point usage information is "acquisition", the "balance information" related to the corresponding "available points" in the user information table is the "quantity information" included in the point usage information. Only increase. In addition, when the classification information included in the point usage information is "consumption", the "balance information" related to the corresponding "usable points" in the user information table is reduced by the "quantity information" included in the point usage information. ..

(S108) Next, the PF system 10 transmits a notification to the user terminal 20 that the increase / decrease of points has been completed. The point management system 30 may send a notification to the user terminal 20 that the increase / decrease of points has been completed.

(S109) Next, when the user terminal 20 receives a notification from the point management system 30 that the increase / decrease is completed, the user terminal 20 displays the notification on the display unit 24. This completes the operation sequence.

In the above example, the PF system 10 has been described as transmitting the increase / decrease request to the point management system 30, but the user terminal 20 or the business operator system 40 may transmit the increase / decrease request to the point management system 30. This completes the process.

(3-2) Calculation and correction processing of deviation value (3-2-1) Calculation and correction processing of deviation value for a specific business operator FIG. 5 shows calculation processing and predetermined deviation value of a predetermined deviation value by the PF system 10. It is a figure which shows an example of the operation flow which concerns on a correction process. In the operation flow, a predetermined deviation value calculation process and a predetermined corrective process are executed for a specific business operator. In the following, the specific business operator may be referred to as a "target business operator". The operation flow may be executed at the arrival of a predetermined timing. The predetermined timing may be a periodic timing defined by a predetermined cycle. The cycle is not particularly limited, but may be a cycle defined in units such as minutes, hours, days, weeks, months, and years.

(S201) First, the deviation value calculation unit 132 extracts the point usage information generated in a predetermined period from the point usage information table.

(S202) Next, the deviation value calculation unit 132 further extracts point usage information in which the “business ID” is the business ID related to the target business from the point usage information extracted in S201.

(S203) Next, the deviation value calculation unit 132 uses the point usage information extracted in S202 (point usage information generated within a predetermined period and whose "business ID" is the business ID related to the target business). Calculate the deviation value between the total amount of acquisition quantity and the total amount of consumption quantity included in. Specifically, the deviation value calculation unit 132 is a value obtained by summing up the "quantity information" of each point usage information whose "classification information" is "acquisition" among the point usage information extracted in S202. Is the total amount of acquisition quantity. Further, the deviation value calculation unit 132 consumes the value obtained by totaling the "quantity information" of each point usage information whose "classification information" is "consumption" among the point usage information extracted in S202. The total quantity. Then, the deviation value calculation unit 132 uses a value obtained by subtracting the total amount of the acquired quantity from the total amount of the consumption quantity as the deviation value. The divergence value can be regarded as the net quantity of points consumed by the arbitrary user in connection with the transaction made by the target business operator with the arbitrary user within a predetermined period.

(S204) Next, the correction processing unit 133 determines whether or not the deviation value calculated in S203 is equal to or greater than a predetermined threshold value. The threshold value may be defined for each business operator. When it is determined that the deviation value is not equal to or greater than a predetermined threshold value (S204; No), the process ends.

(S205) When it is determined that the deviation value is equal to or higher than a predetermined threshold value (S204; Yes), the correction processing unit 133 executes a predetermined correction processing for correcting the deviation value. For example, the correction processing unit 136 may notify the business operator system 40 used by the target business operator of a predetermined alert. The content of the predetermined alert is not particularly limited, but may include, for example, the fact that the deviation value is excessive, the effect of prompting the correction of the deviation value, and the effect of encouraging the user to acquire or consume points. Further, for example, the correction processing unit 136 changes at least a part (member store contract information related to a specific member store point service) of the "member store contract information" included in the business information table at least temporarily. The process may be executed. Specifically, for example, the correction processing unit 136 may execute a process of changing the fee for at least one point service of the target business operator. If the above-mentioned deviation value indicates that the total amount of points acquired by the user is relatively larger than the total amount of consumption, the fee may be increased at least temporarily. Further, if the above-mentioned deviation value indicates that the total amount of the user's points consumed is relatively larger than the total amount of the acquired quantity, the fee may be reduced at least temporarily. This completes the process.

(3-2-2) Calculation and correction processing of deviation value for a specific point service FIG. 6 shows another example of the operation flow related to the calculation processing of the predetermined deviation value and the predetermined correction processing by the PF system 10. It is a figure. In the operation flow, a predetermined deviation value calculation process and a predetermined correction process are executed for a specific point service. In the following, the specific point service may be referred to as a “target point service”, and the point manager related to the specific point service may be referred to as a “target point manager”. The operation flow may be executed at the arrival of a predetermined timing. The predetermined timing may be a periodic timing defined by a predetermined cycle. The cycle is not particularly limited, but may be a cycle defined in units such as minutes, hours, days, weeks, months, and years.

(S301) First, the deviation value calculation unit 132 extracts the point usage information generated in a predetermined period from the point usage information table.

(S302) Next, the deviation value calculation unit 132 further extracts the point usage information for which the “utilization point” is the target point service from the point usage information extracted in S301. The deviation value calculation unit 132 may include point usage information in which the "utilization point" is a reserve point in the extraction.

(S303) Next, the deviation value calculation unit 132 uses the point usage information extracted in S302 (point usage information generated within a predetermined period and whose "usage points" are target point services (or accumulated points)). Calculate the deviation value between the total amount of acquisition quantity included and the total amount of consumption quantity. Specifically, the deviation value calculation unit 132 is a value obtained by summing up the "quantity information" of each point usage information whose "classification information" is "acquisition" among the point usage information extracted in S302. Is the total amount of acquisition quantity. Further, the deviation value calculation unit 132 consumes the value obtained by totaling the "quantity information" of each point usage information whose "classification information" is "consumption" among the point usage information extracted in S302. The total quantity. At this time, for the point usage information in which the "utilization point" is the accumulated point, the consumption quantity related to the target point service is calculated based on the breakdown information included in the "quantity information". Then, the deviation value calculation unit 132 uses a value obtained by subtracting the total amount of the acquired quantity from the total amount of the consumption quantity as the deviation value. The divergence value can be regarded as the net quantity of points related to the target point service consumed by the arbitrary user in connection with the transaction performed between the arbitrary user and the arbitrary business within a predetermined period.

(S304) Next, the correction processing unit 133 determines whether or not the deviation value calculated in S303 is equal to or greater than a predetermined threshold value. The threshold value may be defined for each point service. When it is determined that the deviation value is not equal to or greater than a predetermined threshold value (S304; No), the process ends.

(S305) When it is determined that the deviation value is equal to or greater than a predetermined threshold value (S304; Yes), the correction processing unit 133 executes a predetermined correction processing for correcting the deviation value. For example, the correction processing unit 136 may notify the point management system 30 used by the target point manager of a predetermined alert. The content of the predetermined alert is not particularly limited, but may include, for example, that the deviation value is excessive and that the correction of the deviation value is urged. Further, for example, the correction processing unit 136 performs a process of at least temporarily changing at least a part of the "member store contract information" included in the business information table and the "membership point service" is the target point service. You may do it. Specifically, for example, the correction processing unit 136 may execute a process of changing the fee for the target point service related to at least one business operator. If the above-mentioned deviation value indicates that the total amount of points acquired by the user is relatively larger than the total amount of consumption, the fee may be increased at least temporarily. Further, if the above-mentioned deviation value indicates that the total amount of the user's points consumed is relatively larger than the total amount of the acquired quantity, the fee may be reduced at least temporarily. This completes the process.

(3-3) Clearing process FIG. 7 is a diagram showing an example of an operation sequence related to the clearing process by the information processing system 1. The operation sequence includes processing for clearing resources among each point manager, each operator, and the platform. The timing at which the operation sequence is executed is not particularly limited, but may be, for example, a periodic timing such as a specific date and time, a day of the week, or any timing at which the PF administrator performs an operation.

(S401) First, the resource management unit 135 of the PF system 10 calculates the settlement amount for each business operator and each point manager based on the point usage information table. Here, the range of the business operator and the point manager to be included in the settlement amount is not particularly limited and may be various ranges. For example, when calculating the settlement amount for a specific business operator, the settlement amount between the specific business operator and one or more point managers may be targeted. Further, for example, when calculating the settlement amount for a specific point manager, the settlement between the specific point manager and one or more business operators may be targeted.

When calculating the liquidation amount for the specific business operator described above, for example, the liquidation amount is calculated as follows. First, from the point usage information table, one or more point managers whose "business ID" includes the business ID related to a specific business to be cleared and whose "use points" are to be cleared. Extract point usage information including point services related to. Then, based on the extracted point usage information, the total value (total amount of acquisition) of the "quantity information" of the point usage information including "acquisition" in the "classification information" and the point usage including "consumption" in the "classification information". The difference from the total value (total consumption amount) of the "quantity information" of the information is taken as the settlement amount between the specific business operator and the PF system 10. For example, when the total acquisition amount is larger than the total consumption amount, the amount obtained by subtracting the total consumption amount from the total acquisition amount is the settlement amount to be paid to the PF system 10 by the specific business operator. Further, for example, when the total consumption amount is larger than the total acquisition amount, the amount obtained by subtracting the total acquisition amount from the total consumption amount is the settlement amount to be received from the PF system 10 by the specific business operator. The total value of the "quantity information" of the point usage information including "acquisition" in the "classification information" may be calculated by reflecting, for example, the fee specified in the business information table or the like.

Further, when calculating the clearing amount for the specific point manager described above, for example, the clearing amount is calculated as follows. First, from the point usage information table, one or more businesses that include the point service managed by a specific point manager to be cleared in "use points" and are subject to clearing in "business ID". Extract point usage information including the business ID related to. Then, based on the extracted point usage information, the total value (total amount of acquisition) of the "quantity information" of the point usage information including "acquisition" in the "classification information" and the point usage including "consumption" in the "classification information". The difference from the total value (total consumption amount) of the "quantity information" of the information is taken as the settlement amount between the specific point manager and the PF system 10. For example, when the total acquisition amount is larger than the total consumption amount, the amount obtained by subtracting the total consumption amount from the total acquisition amount is the settlement amount to be received from the PF system 10 by the specific business operator. Further, for example, when the total consumption amount is larger than the total acquisition amount, the amount obtained by subtracting the total acquisition amount from the total consumption amount is the settlement amount to be paid to the PF system 10 by the specific business operator.

The PF system 10 may calculate the settlement amount between the platform and each point manager based on the exchange from the original points to the accumulated points.

(S402) Next, the resource management unit 135 notifies the target business operator and / or the point manager of the calculated settlement amount for the business operator and / or the point manager.

(S403) Next, the PF system 10, the point management system 30, and the operator system 40 each execute necessary clearing processes according to the clearing amount.

For example, in the point management system 30 and / or the business operator system 40, when the clearing amount is negative, the resources corresponding to the clearing amount are provided to the resource management system 50 from the account of the point manager and / or the business operator. Send a request to transfer to the PF administrator's account. In response to the request, the resource management system 50 executes a process of transferring the resources corresponding to the settlement amount from the account of the point manager and / or the business operator to the account of the PF manager.

Further, for example, in the PF system 10, for the point manager and / or the business operator whose clearing amount is positive, the funds corresponding to the clearing amount are provided to the resource management system 50 from the PF manager's account. Send a request to transfer to the administrator and / or business account. In response to the request, the resource management system 50 executes a process of transferring the resources corresponding to the settlement amount from the account of the PF administrator to the account of the point administrator and / or the business operator.

(S404) Next, the PF system 10 transmits the result of the clearing process to the system of the other party of the clearing, respectively, by the point management system 30 and the operator system 40. In the PF system 10, the point management system 30 and the operator system 40 may each receive the result of the clearing process from the resource management system. This completes the process.

The embodiments described above are for facilitating the understanding of the present invention, and are not for limiting the interpretation of the present invention. Each element provided in the embodiment and its conditions and the like are not limited to those exemplified, and can be appropriately changed. Further, the configurations shown in different embodiments can be partially replaced or combined.

1 ... Information processing system, 10 ... Platform (PF) system, 11 ... Communication unit, 12 ... Storage unit, 13 ... Processing unit, 131 ... Point usage information acquisition unit, 132 ... Deviation value calculation unit, 133 ... Correction processing unit, 134 ... point management unit, 135 ... resource management department, 20 ... user terminal, 21 ... communication unit, 22 ... storage unit, 23 ... operation unit, 24 ... display unit, 25 ... processing unit, 251 ... point usage information management unit, 252 ... Display processing unit, 30 ... Point management system, 31 ... Communication unit, 32 ... Storage unit, 33 ... Processing unit, 331 ... Point management unit, 40 ... Business system, 41 ... Communication unit, 42 ... Storage unit, 43 … Processing department, 431… Point usage information management department, 50… Resource management system

Claims (10)

The point usage information includes business identification information for identifying a business operator who conducts a transaction with a user, point identification information for identifying points acquired or consumed by the user in connection with the transaction, and the above-mentioned point identification information. Classification information indicating whether the user acquires or consumes the points in connection with the transaction, and the acquisition quantity of the points acquired by the user in connection with the transaction or consumption by the user in connection with the transaction. A quantity information including the consumption quantity of the points, a point usage information acquisition unit for acquiring the point usage information including the points, and a point usage information acquisition unit.
Of the acquired point usage information, the acquired quantity of the point usage information generated in a predetermined period and including specific business identification information or specific point identification information is based on the classification information and the quantity information. And the deviation value calculation unit that calculates the deviation value between the total amount of
A system including a correction processing unit that executes a predetermined correction processing for correcting the deviation value when a predetermined condition related to the deviation value is satisfied. The system according to claim 1, wherein the predetermined condition includes that the deviation value is equal to or higher than a predetermined threshold value. The system according to claim 1 or 2, wherein the correction processing unit notifies an information processing device used by a business operator related to the specific business operator identification information of an alert. The correction processing unit at least temporarily provides the member store contract information indicating the contents of the member store contract between the business operator related to the specific business identification information and any point manager who manages the points. The system according to any one of claims 1 to 3 to be modified. The system according to claim 4, wherein the member store contract information includes at least information indicating the content of a fee payable by the business operator to the arbitrary point manager. The system according to any one of claims 1 to 5, wherein the correction processing unit notifies an information processing device used by a point manager who manages the points related to the specific point identification information of an alert. The correction processing unit at least temporarily changes the member store contract information indicating the contents of the member store contract between the point manager who manages the points related to the specific point identification information and any business operator. The system according to any one of claims 1 to 6. The system according to claim 7, wherein the member store contract information includes at least information indicating the content of a fee to be paid to the point manager by the arbitrary business operator. For information processing equipment
The point usage information includes business identification information for identifying a business operator who conducts a transaction with a user, point identification information for identifying points acquired or consumed by the user in connection with the transaction, and the above-mentioned point identification information. Classification information indicating whether the user acquires or consumes the points in connection with the transaction, and the acquisition quantity of the points acquired by the user in connection with the transaction or consumption by the user in connection with the transaction. The quantity information including the consumption quantity of the points, the point usage information acquisition step for acquiring the point usage information including the points, and the point usage information acquisition step.
Of the acquired point usage information, the acquired quantity of the point usage information generated in a predetermined period and including specific business identification information or specific point identification information is based on the classification information and the quantity information. And the deviation value calculation step for calculating the deviation value between the total amount of
A method of executing a correction processing step of executing a predetermined correction processing for correcting the deviation value when a predetermined condition relating to the deviation value is satisfied. Information processing device,
The point usage information includes business identification information for identifying a business operator who conducts a transaction with a user, point identification information for identifying points acquired or consumed by the user in connection with the transaction, and the above-mentioned point identification information. Classification information indicating whether the user acquires or consumes the points in connection with the transaction, and the acquisition quantity of the points acquired by the user in connection with the transaction or consumption by the user in connection with the transaction. A quantity information including the consumption quantity of the points, a point usage information acquisition unit for acquiring the point usage information including the points, and a point usage information acquisition unit.
Of the acquired point usage information, the acquired quantity of the point usage information generated in a predetermined period and including specific business identification information or specific point identification information is based on the classification information and the quantity information. And the deviation value calculation unit that calculates the deviation value between the total amount of
A program for functioning as a correction processing unit that executes a predetermined correction processing for correcting the deviation value when a predetermined condition relating to the deviation value is satisfied.

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