JP2022163210A - server - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a technology with which it is possible to be specialized in stockholder preferential brands and propose a brand suitable for a user from stockholder preferential standpoints.

SOLUTION: A server comprises: means for acquiring user information that pertains to a user; means for determining, from stockholder preferential brands, a stockholder preferential brand to be proposed based on a result of matching between the acquired user information and the content of stockholder benefits; and means for proposing the determined stockholder preferential brand to the user. The proposal means causes a display of the user's terminal to display, via a network, a proposition screen that displays information for identifying the determined stockholder preferential brands in order from the position of a store where the stockholder benefits of respective stockholder preferential brands are usable closest to the user's terminal.

SELECTED DRAWING: Figure 5

COPYRIGHT: (C)2023,JPO&INPIT

Description

The present invention relates to a server that handles information on shareholder preferential brands.

With the development of information technology, the days when stocks were traded over the counter at securities companies have become a thing of the past, and online trading via the Internet has become the majority instead. Due to its ease of online trading, the barriers to investing in stocks have been lowered, contributing to attracting a wide range of people to invest in stocks.

A shareholder benefit is a benefit system that a stock company gives to shareholders who hold a certain number or more of their own share certificates on the date of vesting. Some people considering investing in stocks attach great importance to this shareholder benefit.

A service that recommends a stock brand to a person who is considering stock investment is known. For example, Patent Literature 1 discloses a stock brand recommendation system capable of recommending a stock brand worth holding for a user based on the user's lifestyle information.

JP 2014-182701 A

In the system described in Patent Literature 1, a recommended brand is selected from general brands regardless of the presence or absence of shareholder benefits. Therefore, the recommended stocks are not optimized from the perspective of shareholder benefits. In the first place, there is no guarantee that the recommended stocks will include shareholder-friendly stocks.

The present invention has been made in view of these problems, and its object is to provide a technology that specializes in shareholder preferential brands and can propose brands that suit users from the standpoint of shareholder preferential treatment.

One aspect of the present invention relates to a server. This server has means for acquiring user information about a user, and means for determining a shareholder preferential brand to be proposed based on the result of matching between the obtained user information and the contents of the shareholder preferential treatment, from among the shareholder preferential treatment brands. and means for proposing the determined shareholder preferential brand to the user, wherein the proposing means displays information specifying the determined shareholder preferential brand on the display of the user's terminal via a network, A proposal screen is displayed in which the positions of the stores where the shareholder benefit of each shareholder benefit brand can be used are displayed in order of proximity from the position of the terminal of the user.

It should be noted that any combination of the above constituent elements, or mutual replacement of the constituent elements and expressions of the present invention with devices, methods, systems, computer programs, recording media storing computer programs, etc., are also included in the present invention. It is effective as an aspect of

According to the present invention, it is possible to provide a technology that can specialize in stockholder preferential treatment brands and propose a brand suitable for the user from the viewpoint of shareholder preferential treatment.

1 is a schematic diagram showing an outline of a proposed service according to an embodiment; FIG. FIG. 3 is a schematic diagram showing an outline of an asset building service and a shareholder benefit acquisition service; 1 is a schematic diagram showing an example of the configuration of a stockholder preferential brand proposal system according to an embodiment; FIG. 4 is a hardware configuration diagram of the proposal server of FIG. 3; FIG. 4 is a block diagram showing the functions and configuration of the proposal server of FIG. 3; FIG. 6 is a data structure diagram showing an example of a user attribute holding unit in FIG. 5; FIG. 6 is a data structure diagram showing an example of a user preference holding unit in FIG. 5; FIG. FIG. 6 is a data structure diagram showing an example of a user behavior holding unit in FIG. 5; FIG. 6 is a data structure diagram showing an example of a shareholder preferential brand holding unit in FIG. 5 ; 6 is a data structure diagram showing an example of a portfolio holding unit in FIG. 5; FIG. FIG. 4 is a representative screen diagram of a registration screen displayed on the display of the user terminal; FIG. 10 is a representative screen diagram of a proposal screen displayed on the display of the user terminal; FIG. 11 is a representative screen diagram of another proposal screen displayed on the display of the user terminal; FIG. 4 is a representative screen diagram of a map proposal screen displayed on the display of the user terminal; FIG. 10 is a representative screen diagram of a push-type proposal screen displayed on the display of the user terminal; 6 is a data structure diagram showing an example of a proposal target holding unit in FIG. 5; FIG. FIG. 4 is a representative screen diagram of a management screen displayed on the display of the user terminal; FIG. 10 is a representative screen diagram of another management screen displayed on the display of the user terminal; FIG. 10 is a representative screen diagram of a portfolio display screen displayed on the display of the user terminal; FIG. 4 is a representative screen diagram of a map notification screen displayed on the display of the user terminal; FIG. 4 is a representative screen diagram of a time limit management screen displayed on the display of the user terminal; FIG. 10 is a representative screen diagram of a holding status notification screen displayed on the display of the user terminal; FIG. 10 is a representative screen diagram of a push-type purchase notification screen displayed on the display of the user terminal; FIG. 6 is a flow chart showing a series of processes in the proposal server of FIG. 5; FIG. FIG. 11 is a representative screen diagram showing a part of a shareholder special benefit search screen according to a modification, displayed on the display of the user terminal;

Hereinafter, the same or equivalent constituent elements, members, and processes shown in each drawing are denoted by the same reference numerals, and duplication of description will be omitted as appropriate. Also, in each drawing, some members that are not important for explanation are omitted.

FIG. 1 is a schematic diagram showing an overview of a proposed service according to an embodiment. As shown in FIG. 1(a), in general wrap services, stocks to be proposed to users are selected so as to maximize the sum of capital gains and dividends in stock portfolios. On the other hand, this proposal service specializes in shareholder preferential brands and proposes a portfolio that includes the most suitable shareholder preferential brands according to individual lifestyles. A user's PC or smart phone is used as a medium for the proposal. As shown in FIG. 1(b), the proposed service according to the present embodiment takes into consideration the value of shareholder preferential treatment that differs for each individual, in addition to the capital gain and dividend of the stock portfolio. In this proposed service, stocks to be proposed to users are selected by rebalancing so that the sum of capital gains, dividends, and shareholder preferential value is maximized. In addition, it is possible to select an asset building type or a shareholder benefit acquisition type according to the investment attitude of the individual.

FIG. 2 is a schematic diagram showing an outline of an asset building service and a shareholder benefit acquisition service. FIG. 2 shows an image of stock purchase/holding timing for each service. As shown in FIG. 2(a), the shareholder preferential brand recommendation service (asset building type service) is a service for building assets while holding shareholder preferential brands over the medium to long term. In this service, one to two months before the month in which the right to the shareholder benefit is granted, a shareholder benefit brand suitable for the user is proposed. The user selects a stock to buy. The service side purchases the selected shareholder preferential brand, and withdraws the funds required for the purchase from the user's account in the month in which the purchase is made. Basically, this service does not propose to sell the brand, and users are expected to hold the purchased brand in the medium to long term.

The shareholder preferential brand recommendation service is suitable for users with investment experience, for example. For such users, for example:
・I want to build assets by holding a large amount of money such as retirement allowance for a long time, but existing wraps (investment trusts / ETFs) are difficult to get used to.
・I am interested in shareholder benefits, but I find it troublesome to select stocks that suit me.
・I am doing long-term asset management, but I want short-term returns,
There is a request. The shareholder preferential brand recommendation service fulfills such a request.

As shown in FIG. 2(b), the shareholder benefit wrap service (shareholder benefit acquisition type service) is a service that buys and sells shareholder benefit brands every month in accordance with the timing at which the shareholder benefit rights are granted. and to actively acquire dividends. This service proposes stocks that suit the user, among the stocks that are granted the stockholders' preferential right in the current month. The user selects the stocks to trade for the month. On the service side, the selected shareholder preferential stock is traded, and the funds required for the deduction are withdrawn from the user's account once every six months.

The shareholder benefit wrap service is suitable, for example, for users who have no investment experience. For such users, for example:
・I was able to save a little money, but I'm worried about shareholder benefits because I don't see much movement in investment trusts, but I don't know what to buy.
・I have no investment experience, so I am reluctant to invest in stocks.
・I don't have much spare funds, so I want to buy and sell frequently for the purpose of acquiring shareholder benefits.
There is a request. The shareholder preferential wrap service fulfills such a request.

FIG. 3 is a schematic diagram showing an example of the configuration of the shareholder preferential brand proposal system 2 according to the embodiment. The shareholder preferential brand proposal system 2 includes a securities server 8 , a proposal server 12 , and a user terminal 14 . Securities server 8 , proposal server 12 , and user terminal 14 are all connected to network 6 such as the Internet, and communicate via network 6 . There is no limit to the number of each element of the shareholder preferential brand proposal system 2 .

The securities server 8 is a server managed and operated by a securities company, and manages securities accounts of users of the user terminals 14, buys and sells stocks, transfers funds, and the like. Securities server 8 may be configured using known technology.

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

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

The proposal server 12 proposes to the user of the user terminal 14 to purchase the optimum number of stocks of the shareholder preferential treatment brand that will maximize the return of the shareholder preferential treatment. The proposal server 12 selects the optimal shareholder according to the user's attributes (gender, age, place of residence, work address, etc.), tastes (golf, drinking, travel, etc.), behavior (data linkage information, web search history, etc.). Determine preferential stocks and incorporate them into the proposed portfolio. In particular, the proposal server 12 incorporates into the proposal a shareholder preferential brand that maximizes the shareholder preferential value, which differs for each user, based on the user's attributes, preferences, behavior, and general stock price expectations.

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

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

FIG. 5 is a block diagram showing the functions and configuration of the proposal server 12 of FIG. Each block shown here can be implemented by hardware such as a computer CPU and other elements and mechanical devices, and is implemented by software such as a computer program. It depicts the function blocks to be used. Therefore, those skilled in the art who have read this specification will understand that these functional blocks can be implemented in various ways by combining hardware and software.

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

FIG. 6 is a data structure diagram showing an example of the user attribute holding unit 100 of FIG. The user attribute holding unit 100 includes a user ID that identifies the user, the user's gender, the age to which the user belongs, the user's place of residence, the user's work address, the presence of a spouse, the presence of children, A related user ID, which is an ID that identifies another user related to the user, is stored in association with the related user ID. Other users associated with the user are, for example, the user's family members such as the user's spouse, the user's children, and the user's relatives. Alternatively, another user may be a colleague in the user's workplace, a member of the same department, a person connected via SNS, a member of a chat application group, or the like. Regarding information held in the user attribute holding unit 100 , the administrator of the proposal server 12 may register information obtained from the user in the user attribute holding unit 100 . In this case, for example, the proposal server 12 causes the user terminal 14 via the network 6 to display a screen requesting input of the user's attributes, obtains the information input by the user on the screen, and registers the information in the user attribute holding unit 100. can be considered. Alternatively, when the proposed service is affiliated with an external financial service (for example, a credit card service), the proposed server 12 acquires user attributes from an external server managed by the external financial service. may be registered in the user attribute holding unit 100.

FIG. 7 is a data structure diagram showing an example of the user preference holding unit 102 of FIG. The user preference holding unit 102 holds the user ID and the content of the user's preference in association with each other. Regarding the information held in the user preference holding unit 102 , the administrator of the proposal server 12 may register information acquired from the user in the user preference holding unit 102 . In this case, for example, the proposal server 12 causes the user terminal 14 via the network 6 to display a screen requesting input of the user's preferences, acquires the information input by the user on the screen, and registers the information in the user preference holding unit 102. You may It should be noted that, on the screen requesting input of the user's preferences, the user may be asked to answer the items that the user emphasizes in investment, the permissible shareholder benefits, the dividend yield, and the like. The shareholder benefit/dividend yield is a numerical value obtained by adding the dividend amount to the monetary value of shareholder benefits obtained by holding shares and dividing the total amount by the investment amount. For example, if a company purchases a stock for 100,000 yen, and by holding the stock, a meal coupon for eating and drinking worth 3,000 yen and a dividend of 1,000 yen are obtained, the shareholder benefit/dividend yield is 4%. The user selects and registers such shareholder benefits and dividend yields on the above screen (for example, if the options are "1% or more and less than 5%", "5% or more and less than 10%", or "don't care", select "5 % or more and less than 10%"), or if any value is entered and registered, issues that are likely to satisfy the conditions may be preferentially presented to the user. . Alternatively, when the proposed service and an external service (for example, a credit card service, an asset management service, a household account management application, a health management application, a flea market application, etc.) are affiliated, the proposal server 12 User preferences may be acquired from an external server managed by an external service and registered in the user preference holding unit 102 . In this case, instead of directly acquiring the user's preferences, the proposal server 12 acquires usage history (for example, electronic payment history, favorite product registration information, search history, etc.) from an external server, and the content of the acquired history is may be analyzed to estimate the user's preference, and the estimated preference may be registered in the user preference holding unit 102 .

FIG. 8 is a data structure diagram showing an example of the user behavior holding unit 104 of FIG. The user behavior storage unit 104 stores the user ID, the user's product/service purchase history, the user's search history via the network 6, the user's site history accessed via the network 6, are stored in association with each other. The purchase history includes, for example, information specifying when, what, and how much the user purchased. The search history includes, for example, information identifying when and what the user searched for. The information specifying what was searched for includes, for example, the word entered as the search condition on the search site. The access history includes, for example, information specifying when the user accessed which site.

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

FIG. 9 is a data structure diagram showing an example of the shareholder preferential brand holding unit 106 of FIG. The stockholder preferential brand holding unit 106 stores the stock code of the shareholder preferential brand, the company name, the current stock price, the contents of the shareholder preferential treatment, the date of vesting, the last date with the next right, the minimum number of shares for which the preferential treatment can be obtained, and the continuous holding period are stored in association with each other. In addition, for each shareholder benefit brand, the expected dividend and dividend yield per share, past stock price declines on the ex-rights date (the next business day after the last day of the ex-rights period), forecasted declines for the current fiscal year, etc. may be stored in association with each other, and these predicted values and actual values may be taken in from an external information providing service.

Shareholder preferential stocks have a date called a vesting date. The vesting date is the date on which the rights of shareholder benefits are vested by being listed in the shareholder register as a shareholder on that day. In many cases, the vesting date is the end of the fiscal year or the end of the month. However, if you hold the stock only on the day of the vesting date and sell it immediately, you will not receive the shareholder benefits. In order to be registered as a shareholder in the register of shareholders, a company must purchase and hold shares at least three business days prior to the vesting date. The three (3) business days prior to the vesting date shall be referred to as the final date of vesting. By holding shares on the last day with rights, you will be listed as a shareholder in the shareholder register on the date of vesting, so you can get the right to shareholder benefits. For example, even if you hold the stock for only one day on the last day with rights, you can get the right of the shareholder preferential treatment.
The business day following the vesting date is called the ex-rights date. As mentioned above, if you hold shares on the last day with rights, you can receive shareholder benefits and the right to receive dividends. Many investors have little incentive to hold more than they need, unless they are imposed as such, and many investors sell their shares on the ex-rights date. Therefore, it is known that the stock price of some stocks may fall on the ex-rights date.

Some of the shareholder preferential stocks require shareholders to continue to hold shares for the period from half a year or one year before the vesting date to the vesting date (herein referred to as the continuous holding period). There are certain requirements that must be met in order to obtain the right of preferential treatment. In that case, even if you acquire the shares on the last day of the rights, you will not be able to receive shareholder benefits because the requirements for the continuous holding period will not be met.

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

FIG. 10 is a data structure diagram showing an example of the portfolio holding unit 108 of FIG. The portfolio holding unit 108 stores the user ID, the brand code of the shareholder benefit brand held by the user, the number of shares held by the user, the content of the shareholder benefit, the last date with the next rights, the remaining number of the shareholder benefit, The period of use of the shareholder special benefit is associated with and held.

FIG. 16 is a data structure diagram showing an example of the proposal object holding unit 107 in FIG. The proposal target holding unit 107 stores, for each user, the brand code of the shareholder preferential brand to be proposed, the timing of proposing the brand, the degree of recommendation (described later), and the distance (described later) in association with each other. The dividend forecast value, the dividend yield forecast value, the past stock price drop rate record on the ex-rights date, the forecast drop rate for the current term, etc. may be stored in association with each other.

Returning to FIG. 5, the user information acquisition unit 110 acquires user information about the user. User information includes user attributes, user preferences, and user behavior. The user information acquisition unit 110 acquires user attributes from the user attribute storage unit 100, user preferences from the user preference storage unit 102, and user behavior from the user behavior storage unit 104, respectively.

A shareholder preferential brand determination unit 112 determines a shareholder preferential brand to be proposed from among the shareholder preferential brands based on the result of matching between the user information acquired by the user information acquisition unit 110 and the content of the shareholder preferential treatment. The shareholder preferential brand determining unit 112 matches the attributes, preferences, and actions acquired by the user information acquiring unit 110 with the details of the shareholder preferential treatment of the shareholder preferential brand held in the shareholder preferential brand holding unit 106 . For example, if the attribute of the user is "male, in his 50s" and the user's preference is "golf", the shareholder preferential brand determination unit 112 determines that the shareholder preferential brand is "golf course usage fee discount coupon". The degree of matching with the user is highly evaluated. If this user's behavior indicates that he or she has used the golf course within the past six months, the degree of matching is evaluated even higher. Further, for example, if the attributes of the user are "has children" and "lives in Yokohama City, Kanagawa Prefecture," the shareholder benefit brand determining unit 112 determines that the content of the shareholder benefit is a "meal coupon" that can be used at a store in Yokohama City. The degree of matching between the shareholder preferential brand and the user is highly evaluated.

The shareholder benefit brand determination unit 112 multiplies the evaluation value of the monetary value of the content of the shareholder benefit by a coefficient based on the degree of matching and normalizes it by the acquisition consideration for the minimum number of shares to be acquired as a shareholder benefit, thereby providing a personalized shareholder benefit. Calculate the value of the stock. The evaluation value of the monetary value of the contents of shareholder benefits may be, for example, the amount equivalent to the discount in the case of a "golf course usage fee discount coupon", or the face value in the case of a "meal coupon" or "shopping coupon". , may be the resale price. Also, if the content of the shareholder benefit is a product (for example, an assortment of beverages), the average price of the product may be obtained from a linked external service. The coefficient based on the degree of matching is, for example, a value in the range of 1 to 100, and increases as the degree of matching increases.

The shareholder preferential brand determination unit 112 decides a predetermined number of shareholder preferential brands in descending order of calculated value as shareholder preferential brands to be proposed. In the above example, the shareholder preferential brand determination unit 112 determines the shareholder preferential brand to be proposed from the shareholder preferential brand holding unit 106. A list of shareholder preferential treatment brands to be proposed may be generated from the shareholder preferential treatment brand holding unit 106 based on factors other than the content of the preferential treatment. The stock selection logic at this time may be implemented by a known stock recommendation technique using analyst reports or the like. The shareholder preferential brand determination unit 112 may calculate the value of the shareholder preferential brand for each brand in the generated list, and narrow down the list based on the calculated value. For example, in order to maximize the value of the shareholder preferential brand, the shareholder preferential brand determination unit 112 may extract a predetermined number of shareholder preferential brands from the list in descending order of the calculated value and make them subject to proposal. Alternatively, for example, the shareholder preferential brand determination unit 112 may extract a shareholder preferential brand from the list and make a proposal target so that the sum of the value of the shareholder preferential brand, the capital gain, and the dividend is maximized. In addition, the shareholder preferential brand determination unit 112 may extract a predetermined number of shareholder preferential brands from the specified shareholder preferential brands in order of minimum investment amount, ie, from the lowest required purchase amount, and make them subject to proposal. In addition, the brands in the generated list may be sorted in order of most purchases by users with similar attributes among other users of the system, that is, in order of popularity of the brands.

The shareholder preferential brand determination unit 112 registers the brand code, the degree of recommendation, and the distance of the decided shareholder preferential brand to be proposed in the proposal target holding unit 107 in association with the user ID. The degree of recommendation is determined based on the degree of matching determined by the shareholder preferential brand determination unit 112, the value calculated by the shareholder preferential brand determination unit 112, or both. have stages. The distance of the shareholder preferential brand is the distance from the user's current position. The user's current position is obtained from positioning means such as GPS provided in the user terminal 14 . The “position” of the shareholder benefit brand is set to the position closest to the user's current location among the locations of stores where the content of the shareholder benefit (for example, shopping coupons and meal coupons) can be used. The "distance" of the shareholder preferential brand is defined by the linear distance between the current position of the user and such "position" of the shareholder preferential brand. The shareholder preferential brand determination unit 112 determines one of the asset formation type/shareholder preferential acquisition type according to the purpose of investment designated by the user. The shareholder preferential brand determination unit 112 determines the proposal timing, which is the timing for proposing the purchase of the shareholder preferential brand to be proposed, according to the determined investment type, and registers it in the proposal target holding unit 107 . It should be noted that, instead of the user's current location, location information of locations (for example, home, workplace, recreational facilities, etc.) registered in advance by the user may be used. Alternatively, a location highly relevant to the user obtained by analyzing the usage history acquired from a cooperating external server may be estimated, and the location information of the estimated location may be acquired and used.

The proposal unit 114 proposes the shareholder preferential brand determined by the shareholder preferential brand determination unit 112 to the user. The proposal unit 114 refers to the proposal target storage unit 107 to acquire information on the shareholder preferential brand to be proposed, and provides the acquired information to the user. For example, the proposal unit 114 extracts from the proposal target holding unit 107 a proposed brand code that corresponds to the user ID of the user of the user terminal 14 and that includes the current date and time in the proposal period. Acquire the specified shareholder preferential brand as a shareholder preferential brand to be proposed. The proposal unit 114 displays information specifying the shareholder preferential stock to be proposed and information on the timing requirements for vesting (for example, the next final date with rights and the continuous holding period) on the display of the user terminal 14 via the network 6. to display a proposal screen displayed in association with . The proposal screen will be described later. Note that, in another embodiment, the proposal unit 114 may propose the shareholder preferential brand to the user by voice output instead of or in addition to the screen display. For example, the proposal unit 114 may cause the smart speaker to output the name of the shareholder preferential treatment brand to be proposed as voice through the network 6 . In this case, the proposal server 12 accepts trading instructions by voice.

The trading processing unit 116 receives a trading instruction for a shareholder preferential brand issued by the user on the proposal screen, and transmits the content of the received trading instruction to the securities server 8 via the network 6 . The trading processing unit 116 receives trading processing results from the securities server 8 via the network 6, and updates the portfolio holding unit 108 with the received results. Receiving a stock trading instruction from a user, passing it to the securities server 8, and carrying out the instructed trading in the securities server 8 can be performed using known electronic stock handling technology such as API (Application Programming Interface) cooperation. may be implemented.

The shareholder preferential brand management unit 118 manages information regarding the shareholder preferential brand currently held by the user. The shareholder preferential brand management unit 118 displays, on the display of the user terminal 14 via the network 6, collectively the information on the shareholder preferential brands owned by the user and the information on the shareholder preferential brands owned by users related to the user. display. The management screen includes a graph showing the result of classifying the shareholder benefit brands by the type of shareholder benefit and tabulating them. The management screen will be described later.

The notification unit 120 notifies the user, via the user terminal 14, of the number of remaining stocks of stockholders' preferential treatment currently held by the user, the expiration date, the places where the stocks can be used, and the like. The content of the notification will be described later.

The operation of the proposal server 12 configured as above will be described.
FIG. 11 is a representative screen diagram of the registration screen 150 displayed on the display 140 of the user terminal 14. As shown in FIG. After the user downloads and installs the courtesy application on the user terminal 14 , when the courtesy application is activated for the first time, the registration screen 150 is displayed on the display 140 . The registration screen 150 is a screen for acquiring user information from the user, and has an investment purpose designation area 152 , a hobby/taste input area 154 , a target portfolio balance designation area 156 and an OK button 158 .

The investment purpose designation area 152 is an area that allows the user to select or designate the purpose of investment in the shareholder preferential brand. The investment purpose designation area 152 includes a radio button for selecting the investment purpose "asset building while holding medium- to long-term holdings" (corresponding to shareholder preferential brand recommendation service) and an investment purpose "I want a lot of preferential treatment anyway!" corresponding to the service), and a radio button for selecting. The user selects the radio button corresponding to the service they desire.

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

When the user designates the OK button 158 (for example, clicks the OK button 158 or taps the OK button 158), the user information acquisition unit 110 receives the investment purpose designation area 152 from the user terminal 14 via the network 6 The specified investment objective, the hobby and preference input in the hobby and preference input area 154, and the target portfolio balance specified in the target portfolio balance specification area 156 are acquired. The shareholder preferential brand determination unit 112 determines the shareholder preferential brand to be proposed, and determines the timing (proposal timing) of proposing trading of the determined shareholder preferential brand according to the investment purpose acquired by the user information acquisition unit 110. to decide. A specific example of the timing is as described with reference to FIG. The proposal unit 114 proposes to the user, through the proposal screen, trading of the shareholder preferential brand to be proposed according to the determined timing.

FIG. 12 is a representative screen diagram of the proposal screen 164 displayed on the display 140 of the user terminal 14. As shown in FIG. The proposal unit 114 refers to the proposal target holding unit 107 to generate display data for the proposal screen 164 including information on the shareholder preferential brand to be proposed, and transmits the display data to the user terminal 14 via the network 6 . The user terminal 14 causes the display 140 to display the proposal screen 164 based on the received display data.

The proposal screen 164 displays information on shareholder preferential brands to be proposed in order of degree of recommendation. The proposal screen 164 includes a sorting criteria designation area 166 for designating the criteria for sorting the display, a recommendation level display area 168 for displaying the degree of recommendation, and a brand information display for displaying information on shareholder preferential brands belonging to the degree of recommendation. It has an area 170 and a buy button 172 . The brand information display area 170 includes the name of the shareholder preferential brand, the content of the shareholder preferential treatment, the next final date with rights, and the continuous holding period (if any).

When the user designates the purchase button 172 on the proposal screen 164 , the trading processing unit 116 acquires from the user terminal 14 via the network 6 information specifying the shareholder preferential brand corresponding to the designated purchase button 172 . The trading processing unit 116 causes the display 140 of the user terminal 14 via the network 6 to display a purchase screen (not shown) that enables the purchase of the shareholder preferential brand. The trading processing unit 116 receives an instruction to purchase the shareholder preferential brand from the user via the purchase screen.

FIG. 13 is a representative screen diagram of another proposal screen 174 displayed on the display 140 of the user terminal 14. As shown in FIG. When the user specifies "order of distance" instead of "order of recommendation" in the sorting criteria designation area 166 on the proposal screen 164 of FIG. 12, another proposal screen 174 of FIG. 13 is displayed.

Another proposal screen 174 displays information on shareholder preferential brands to be proposed in order of distance. Another proposal screen 174 includes a sorting criteria designation area 166, a distance range display area 176 that displays the distance range, a brand information display area 178 that displays information on stockholder preferential brands belonging to the distance range, and a purchase button. 180 and .

FIG. 14 is a representative screen view of the map proposal screen 182 displayed on the display 140 of the user terminal 14. As shown in FIG. The map proposal screen 182 includes a mark 184 indicating the current position of the user terminal 14, an electronic map 186 around the current position, a dashed line 188 representing a range within a predetermined distance from the current position (within 1 km in this example), and the current position. and a brand information display area 190 for displaying information on shareholder preferential brands within a predetermined distance from the position. The brand information display area 190 is displayed in association with the position of the store 198 where the shareholder benefit of the corresponding shareholder benefit brand is available. The brand information display area 190 includes a shareholder preferential brand recommendation rate 192 , a shareholder preferential brand name, preferential treatment content and timing requirements 194 , and a purchase button 196 .

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

FIG. 17 is a representative screen diagram of the management screen 208 displayed on the display 140 of the user terminal 14. As shown in FIG. The shareholder preferential brand management unit 118 refers to the portfolio holding unit 108 and the user attribute holding unit 100 to acquire information on shareholder preferential brands owned by the user and information on shareholder preferential brands owned by related users of the user. and generates a management screen 208 that collectively displays the acquired information. The shareholder preferential brand management unit 118 transmits display data for the management screen 208 to the user terminal 14 via the network 6 . The user terminal 14 causes the display 140 to display the management screen 208 based on the received display data.

The management screen 208 includes a number-of-shares display area 210 that displays the amount of shareholder preferential brands owned by each member of the family in a bar graph, and a detailed display that can display the details of the shareholder preferential brands owned by all members or each member. and a region 212 . In the stock number display area 210 of this example, the total amount of shareholder preferential brands owned by the user, the total amount of shareholder preferential brands owned by the user's husband, and the total amount of shareholder preferential brands owned by the user's eldest daughter are displayed. Each is represented by a bar graph. In the detailed display area 212 of this example, in accordance with the selection of the "All" tab 214, the information of shareholder preferential stocks owned by all members of the user's family (user, husband, eldest daughter) is displayed. there is When the "person" tab, "husband" tab, and "eldest daughter" tab are selected, information on shareholder preferential stocks held only by the user herself, only her husband, and only her eldest daughter is displayed. In this way, the management screen 208 aggregates and displays information on shareholder preferential brands for the entire family of the user. This can help maximize the value of shareholder benefits for the entire family or household (or all related users).

FIG. 18 is a representative screen diagram of another management screen 214 displayed on the display 140 of the user terminal 14. As shown in FIG. Another management screen 214 provides information centered on shareholder benefits. Another management screen 214 corresponds to a name 216, a period 218 until the preferential treatment, that is, a period from now until the last day with rights next time, and a detail button 220 for each shareholder preferential brand owned by the entire user's family. to display. When the detail button 220 is specified, a screen (not shown) showing the holding status of the corresponding shareholder preferential brand is displayed, and the screen is configured to be able to receive a sale instruction. In this way, the separate management screen 214 helps the user to feel more familiar with investment by providing information centered on shareholder benefits.

FIG. 19 is a representative screen diagram of the portfolio display screen 222 displayed on the display 140 of the user terminal 14. As shown in FIG. The portfolio display screen 222 displays a pie chart 224 showing the result of classifying and tabulating the shareholder preferential brands owned by the user's entire family according to the type of shareholder preferential treatment. The pie chart 224 in this example shows four types of shareholder benefits (food, amusement, cosmetics, Leisure) shows the ratio of shareholder preferential value. The portfolio display screen 222 is configured to be switchable to display of a pie chart showing the target portfolio balance registered on the registration screen 150 of FIG. 11 by specifying the target tab 228 . By comparing the current pie chart 224 and the target pie chart, the user can see the degree of achievement of the desired portfolio balance.

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

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

FIG. 21 is a representative screen diagram of the time limit management screen 236 displayed on the display 140 of the user terminal 14. As shown in FIG. The notification unit 120 refers to the portfolio holding unit 108 and the user attribute holding unit 100 to generate display data for a time limit management screen 236 including information related to time limit management of shareholder benefits owned by the user and his family, and distributes the data to the network. 6 to the user terminal 14 . The user terminal 14 causes the display 140 to display the time limit management screen 236 based on the received display data.

The term management screen 236 includes the name of the shareholder preferential brand owned by the user or his family and the owner 238, the preferential treatment content 240, the remaining number of preferential treatment 242, the expiration date 244, the next It has a number 248 of shareholder benefits scheduled to be acquired by vesting, a balance adjustment button 250, and an update button 252. - 特許庁By looking at the time limit management screen 236, the user can grasp, at a glance, the content, remaining number, time limit, next acquisition timing, and next acquisition number of benefits owned by the user and his/her family. As a result, the user can use the preferential treatment in a planned manner, and can reduce the probability that the preferential treatment will expire.

After using the preferential treatment, the user opens the term management screen 236 and operates the balance adjustment button 250 to adjust the remaining number of preferential treatments 242 . For example, when the user uses one shareholder benefit "sushi, meal ticket" of "Corporation A", by designating once the lower button of the corresponding balance adjustment button 250 on the deadline management screen 236, the number of remaining benefits 242 is changed from "7 sheets" to "6 sheets". When the update button 252 is designated in this state, the shareholder preferential treatment brand management unit 118 acquires the changed remaining preferential treatment number 242 from the user terminal 14 via the network 6 . The shareholder preferential brand management unit 118 updates the preferential treatment balance of the portfolio holding unit 108 with the changed preferential treatment balance 242 . In addition, when shareholder benefits are digitized, instead of or in addition to manual adjustment using the balance adjustment button 250, the balance of benefits in the portfolio holding unit 108 may be automatically updated. .

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

The holding status notification screen 254 displays, in a bar graph, the number of stocks owned by a particular shareholder preferential brand for each member of the user's family, including the user. In the example of FIG. 22, the number of shares of the shareholder preferential brand "ABC Air" owned by the user, the number of shares of the shareholder preferential brand "ABC Air" owned by the user's husband, and the shareholder preferential brand "ABC Air" owned by the user's eldest daughter are shown. Air" and the number of shares are displayed in bar graphs so that they can be compared with each other. In addition, on the holding status notification screen 254, the minimum number of shares to be obtained as a preferential treatment for a specific shareholder preferential brand is indicated by a dashed line 256 as a preferential treatment acquisition line. If the bar graph exceeds this dashed line 256, the preferential treatment can be obtained, and if it does not exceed the dashed line 256, the preferential treatment cannot be obtained. By looking at the ownership status notification screen 254, the user can grasp at a glance the ownership status of a specific shareholder preferential brand within the family and whether or not the preferential treatment has been obtained. This assists the user in optimizing the number of shares owned by the family in terms of obtaining preferential treatment. In the example of FIG. 22, by viewing the holding status notification screen 254, the user, for example, reduces the number of shares held by the user himself/herself to slightly above the line for obtaining preferential treatment, and increases the number of shares held by the husband by It can be determined that it is possible to double the preferential treatment by making the customer exceed the acquisition line. In such a case, the user designates the recommend button 258 corresponding to her husband. Then, information for recommending the purchase of the shareholder preferential brand "ABC Air" is transmitted from the proposal server 12 to the husband's user terminal. Receiving the information, a recommendation such as "The user recommends the purchase of the shareholder preferential brand 'ABC Air'" is displayed on the display of the husband's user terminal.

FIG. 23 is a representative screen diagram of a push-type purchase notification screen 260 displayed on the display 140 of the user terminal 14. As shown in FIG. The push purchase notification screen 260 is displayed on the display 140 of the user terminal 14 in the form of a push notification. When the user's family buys or sells a shareholder preferential brand, the notification unit 120 makes a push notification for displaying a push-type purchase notification screen 260 containing information about the trade on the display 140 of the user terminal 14 . The push-type purchase notification screen 260 displays in text which member of the family has purchased which brand, the content of the preferential treatment, and the last date with the next right. By receiving such a notification, the user can grasp the status of shareholder preferential stocks owned by the family in real time, and can perform more accurate optimization.

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

In the above-described embodiments, examples of holding units are hard disks and semiconductor memories. In addition, based on the description of this specification, each part is implemented by a CPU (not shown), an installed application program module, a system program module, a semiconductor memory that temporarily stores the contents of data read from the hard disk, etc. Those skilled in the art who have access to this specification will understand what is possible.

According to the proposal server 12 according to the present embodiment, it is possible to select the optimum shareholder benefit brand according to the user's individual lifestyle from among numerous shareholder benefit brands and propose it to the user. Therefore, it is possible to maximize shareholder preferential value that differs for each user.

In addition, in the present embodiment, it is possible to ascertain the holding status of the shareholder preferential brand by the entire family on the management screen 208, another management screen 214, or the like. As a result, when the user purchases a shareholder preferential brand, he or she can refer to these screens to select a brand that maximizes the value of the shareholder preferential treatment for the entire family.

In addition, the proposal server 12 according to the present embodiment selects a shareholder benefit brand that matches the user from among the shareholder benefit brands. This is different from the technology described in Patent Literature 1, which recommends brands. Due to this difference, the proposal server 12 according to the present embodiment can provide a proposal service centered on shareholder benefits, and this proposal service can satisfy the needs of users who place importance on shareholder benefits.

The configuration and operation of the proposal server 12 according to the embodiment have been described above. Those skilled in the art will understand that this embodiment is merely an example, and that various modifications are possible in combination of each component and each process, and that such modifications are within the scope of the present invention.

In the embodiment, the case where the securities server 8 and the proposal server 12 are separate entities has been described, but the present invention is not limited to this. may be

In the embodiment, a case has been described in which the proposal screen and the management screen are provided as displays within the preferential treatment application, but the present invention is not limited to this, and the technical concept according to the present embodiment can be applied to, for example, a browser-based securities service. be able to. FIG. 25 is a representative screen diagram showing part of a shareholder special treatment search screen 262 according to a modification displayed on the display 140 of the user terminal 14 . The shareholder preferential treatment search screen 262 is generated by the proposal server according to the modification and displayed on the display 140 by the web browser of the user terminal 14 . The shareholder benefit search screen 262 includes a criteria list display 264 for allowing the user to select criteria for sorting the search results. The list display 264 has, in addition to other items, an item 266 "Recommended for you". When this item 266 is selected, the proposal server 12 performs the same matching processing as in the embodiment on search results of shareholder preferential brands, and calculates the degree of recommendation. The proposal server generates a screen (not shown) that displays the search results of stockholder preferential brands sorted in order of recommendation, and transmits the screen to the web browser of the user terminal 14 . The web browser displays the screen on display 140 .
According to this modified example, the same effects as those of the proposal server 12 according to the embodiment are achieved.

In the embodiment, when the shareholder benefits are digitized, the shareholder benefits may be converted into electronic tickets, and a platform may be constructed that enables such tickets to be sold and exchanged. On this platform, for example, it is possible to realize a function to store special offers as a temporary warehouse for special offers, to realize the use of virtual special offers, or to exchange them for vouchers that can be used at real stores. may be realized. Also, in this platform, it is possible to associate a user account, an EC site account used by the user, and a preferential treatment held by the user. In this case, for example, when trying to purchase the same product as the special offer on the EC site, it is possible to warn the user that there is the same product as the special offer.

In the embodiment, by referring to the time limit management screen 236 of FIG. 21, the user can relatively accurately predict when and how much the next shareholder benefit will come. In addition to this, in the modified example, the proposal server includes information about what kind of preferential treatment is given to the user when and how much, schedule information of the user and his family, and attribute information of the user and his family (for example, birthdays, etc.) and based on which events can be suggested. For example, on the birthday of the eldest daughter two months from now, when shareholder preferential discount coupons for a restaurant are scheduled to be available for the number of family members, and all members of the family have free schedules on that day, the proposal server You may propose to have a birthday party at

2 shareholder preferential brand proposal system, 6 network, 8 securities server, 12 proposal server, 14 user terminal.

Claims (5)

means for obtaining user information about a user;
means for determining a shareholder preferential brand to be proposed from among the shareholder preferential brands, based on the result of matching between the obtained user information and the details of the shareholder preferential treatment;
means for proposing the determined shareholder preferential brand to the user;
The means for proposing displays information specifying the determined shareholder preferential brand on the display of the user's terminal via the network, and displays the position of the store where the shareholder preferential treatment of each shareholder preferential brand is available on the user's terminal. A server that displays a proposal screen displayed in order of proximity from the position of . The means for proposing associates, on the proposal screen, information specifying the determined shareholder preferential brand with information regarding timing requirements for vesting including the date on which the shareholder preferential right is vested for the shareholder preferential brand. 2. The server according to claim 1, wherein the server displays The means for making a proposal stores information specifying the determined shareholder preferential brand in different areas of the proposal screen for each shareholder preferential brand in which the location of the store where the corresponding shareholder preferential treatment is available falls within a predetermined distance range. 3. A server according to claim 1 or 2 for displaying. 4. The server according to claim 3, wherein said proposing means further displays a display indicating a distance range corresponding to said predetermined distance range on said proposal screen. Information specifying the shareholder preferential brand to be proposed to the user and the locations of stores where the shareholder preferential treatment of the shareholder preferential brand can be used are associated with each other on an electronic map displayed on the display of the terminal of the user via the network. 2. The server of claim 1, further comprising means for displaying.

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