JP2023167870A - Information processing device, information processing system, information processing method, and program - Google Patents

Abstract

To provide a technique that supports consumers in converting their savings into regular expenditures while giving them a sense of value.SOLUTION: The present invention is an operation server device 1 serving as an information processing device that can freely communicate with a user terminal device. The operation server device includes: a reception processing unit 11b configured to receive a calculation request related to a designated transfer destination from the user terminal device; a calculation unit 11f configured to calculate a point related to the designated transfer destination and a transfer amount; a generation unit 11l configured to generate display data to be presented so that amounts when receiving the point for the transfer amount and when receiving it in cash can be compared with each other; and a transmission unit 11n configured to transmit the display data to the user terminal device.SELECTED DRAWING: Figure 3

Description

TECHNICAL FIELD The present invention relates to technology that helps consumers convert their savings into regular expenditures while providing consumers with a sense of value.

Traditionally, when the economy stagnates, consumers tend to save too much of their income and cut back on spending due to concerns about the future. As a result, consumption will not be stimulated and the economy will not recover easily. In addition to saving, consumers may also invest in financial products, but such investments cannot be considered regular expenditures and therefore do not have a direct impact on stimulating consumption. .

In order to eliminate this kind of spiral, we believe that it is necessary to give consumers a purpose for spending money on a regular basis, and also to give them a sense of value.

Here, points are generally provided as a service that gives consumers a sense of value. For example, Patent Document 1 discloses a service point operation system. With this system, credit card members can request the service point operation system to utilize service points that they own that are about to expire, and after the expiration date has passed, the credit card member can You can receive a refund of operation points with interest points attached according to the operation period and the usage status of the credit card during that period.

Japanese Patent Application Publication No. 2010-92281

However, Patent Document 1 merely discloses a mechanism for operating service points, and does not give consumers a purpose for spending money, encourage regular spending, or stimulate consumption.

The present invention has been made in view of these problems, and its purpose is to provide consumers with a sense of value while supporting them in converting their savings into regular spending. The goal is to provide technology that will

In order to solve the above problems, an information processing device according to one aspect of the present invention is an information processing device that can freely communicate with a user terminal device, and performs a reception process that receives a calculation request related to a designated transfer destination from the user terminal device. a calculation unit that calculates the points and transfer amount related to the specified transfer destination, and generates display data that compares and presents the amount when receiving points for the transfer amount and when receiving in cash. and a transmitter that transmits the display data to the user terminal device.

An information processing method according to another aspect of the present invention is a method using an information processing device that can freely communicate with a user terminal device, in which a reception processing unit receives a calculation request related to a designated transfer destination from the user terminal device, Display data in which the calculation unit calculates the points and transfer amount related to the specified transfer destination, and the generation unit compares and presents the amount when receiving points for the transfer amount and when receiving in cash. and a transmitter transmits the display data to the user terminal device.

A program according to another aspect of the present invention is a program executed by an information processing device that can freely communicate with a user terminal device, the program causing the information processing device to receive a calculation request regarding a designated transfer destination from the user terminal device. A reception processing unit that accepts the transfer, a calculation unit that calculates the points and transfer amount related to the specified transfer destination, and display data that compares and presents the amount when receiving points for the transfer amount and when receiving in cash. It functions as a generation unit that generates the data and a transmission unit that transmits the display data to the user terminal device.

An information processing system according to another aspect of the present invention is an information processing system including a user terminal device and an information processing device, wherein the user terminal device transmits a calculation request related to a designated transfer destination to the information processing device. The information processing device includes a transmitting unit that receives display data from the information processing device, a receiving unit that receives display data from the information processing device, and a display unit that performs display based on the display data, and the information processing device a reception processing unit that receives a calculation request related to the specified transfer destination, a calculation unit that calculates the points and transfer amount related to the designated transfer destination, and a comparison between the case where points for the transfer amount are received and the amount when received in cash. and a transmitter that transmits the display data to the user terminal device.

According to the present invention, it is possible to provide a technology that supports consumers in converting their savings into regular expenditures while giving them a sense of value.

1 is a configuration diagram of an information processing system according to an embodiment of the present invention. It is a conceptual diagram showing the flow of processing by the same system. FIG. 2 is a configuration diagram of an operation server device. It is a diagram showing an example of a user information DB. It is a figure showing an example of fund information DB. It is a figure showing an example of transfer information DB. It is a diagram showing an example of an affiliated company DB. It is a diagram showing an example of an agency company DB. FIG. 2 is a configuration diagram of a terminal device. FIG. 2 is a conceptual diagram showing in detail the processing flow of the system. FIG. 3 is a diagram showing an example of a screen display by a user terminal device. FIG. 3 is a diagram showing an example of a screen display by a user terminal device. FIG. 3 is a diagram showing an example of a screen display by a user terminal device. FIG. 3 is a diagram showing an example of a screen display by a user terminal device. It is a figure which shows the example of a screen display by a partner company terminal device. It is a figure which shows the example of a screen display by a partner company terminal device. It is a figure which shows the example of a screen display by a partner company terminal device. It is a flowchart showing the flow of characteristic processing by the system.

Embodiments of the present invention will be described below with reference to the drawings.

FIG. 1 shows the configuration of an information processing system according to an embodiment of the present invention, and FIG. 2 shows and explains the flow of processing by the system.

As shown in FIG. 1, the information processing system according to the present embodiment includes an operation server device 1, a user terminal device 2, an agent terminal device 3, an affiliated company terminal device 4, an asset management server device 5, and an agent server device. 6, and an affiliated company server device 7. As the user terminal device 2, the agency terminal device 3, and the affiliated company terminal device 4, various devices such as a notebook personal computer, a desktop personal computer, a smartphone, a tablet terminal, etc. can be adopted. The management server device 1 serves as an information processing device alone or together with the asset management server device 5. This information processing device gives consumers a sense of value, gives them a purpose for using their assets, and helps them convert savings into regular spending.

As shown in FIG. 2, the user applies for this service to the agency by operating the user terminal device 2 (S1). This application can also be made via the web by accessing a website etc. provided by the agency server device 6. Alternatively, the user can access the website etc. provided by the management server 1 and apply directly by himself/herself. When the agency receives an application for this service, the agency sends the application information to the management server device 1 using the agency terminal device 3 (S2), and also sends the contract fee deposited from the user at the time of application to the management server device 1. Pay electronically (S3). The management server device 1 uses the fund management function to electronically pay fees to the agency (S4). The management server device 1 also manages application information and the like using a contract management function. Furthermore, the asset management function performs asset management by purchasing/selling financial products with the asset management server device 5 (S4, S5).

By operating the partner company terminal device 4, the partner company can set advertisements and additional points on the management server device 1 (S7). The management server device 1 uses an advertisement (top-up) management function to manage setting information for advertisements and point top-up based on this setting. At this time, the management server device 1 may accept and manage only advertisements/point addition settings that meet predetermined conditions. It goes without saying that the entity that sets advertisements and points is not limited to the affiliated company terminal device 4.

When it is time to pay the annual amount to the user, the user selects either the annual amount with a predetermined interest rate added to the savings, or the annual savings plus predetermined points, and instructs the user to transfer the money. be able to. For example, assuming that the contract amount is 1 million yen and the maturity period is 20 years, the basic annual amount will be 50,000 yen, but the user will be charged 50,500 yen, which is the basic 50,000 yen plus a predetermined interest rate, for example, 1%. Choose whether to receive 50,000 yen worth of points plus an additional rate set by the partner company, for example 5 to 20%, or receive points worth approximately 52,500 yen to 60,000 yen. be able to. It is also possible to choose to receive part of the savings as an annual amount and receive the other part as points.

When the user operates the user terminal device 2 to specify the transfer destination (S8), the management server device 1 uses the contract management function to confirm the transfer destination and executes the transfer using the advertisement (top-up) management function. . Then, a transfer notification is sent to the user terminal device 2 (S9). If the user specifies that points be awarded by transfer, an amount equivalent to the annual amount is electronically paid to the affiliated company server device 7 (S10). For example, if the annual amount is 50,000 yen and the add-on rate is 20%, 50,000 yen will be electronically paid from the management server device 1 to the affiliated company server device 7, and the surcharge will be borne by the affiliated company. In addition, according to the affiliated company terminal device 4, the execution status of the additional information set by the company can be checked in real time at any time.

FIG. 3 shows the configuration of the management server device 1 and will be described.

As shown in the figure, the management server device 1 includes a control section 11, a communication section 12, and a storage section 13. The control section 11, the communication section 12, and the storage section 13 are communicably connected via a bus line 19. In addition to these configurations, the device may also include an input unit such as a keyboard and a mouse, and a display unit such as a liquid crystal display for displaying various types of information.

The communication unit 12 is realized by, for example, a network interface card (NIC), etc., and is connected to a communication network 8 such as the Internet by wire or wirelessly, and is capable of communicating with the user terminal device 2, etc. It is a communication interface that performs. The storage unit 13 is realized by, for example, a semiconductor memory element such as a RAM (Random Access Memory) or a flash memory, a hard disk drive (HDD), an optical disk device, etc. The program to be executed is stored in advance. The storage unit 13 also includes a user information DB 14, an asset information DB 15, a transfer information DB 16, an affiliated company information DB 17, and an agency information DB 18.

That is, in more detail, the user information DB 14, as shown in FIG. In addition to attribute information such as number of divisions, etc., account information (bank code, branch code, account number, account name) is stored in correspondence. In the asset information DB 15, as shown in FIG. ... 20th time), cancellation deduction, and cancellation amount are stored in association with each other. As shown in FIG. 6, the transfer information DB 16 stores user names (in kanji characters), user IDs, and transfer information for each time (payment date, selected destination, company code, additional rate, transfer amount, etc.) in an associated manner. has been done. As shown in FIG. 7, the affiliated company information DB 17 stores affiliated company names, furigana, company codes, passwords, addresses, point information (for example, add-on rate setting information), advertisement setting information, etc. in association with each other. In the agency information DB 18, as shown in FIG. 8, agency names, furigana, bank codes, passwords, addresses, etc. are stored in association with each other.

The control unit 11 is realized by a CPU (Central Processing Unit), an MPU (Micro Processing Unit), etc., and executes a program stored in the storage unit 13 to control, for example, the main control unit 11a, the reception processing unit 11b, Contract management section 11c, advertisement management section 11d, fund management section 11e, calculation section 11f (including transfer calculation section 11g, fee calculation section 11h, tax calculation section 11i, and additional point calculation section 11j), transfer section 11k, and authentication section 11l. , a generating section 11m, and a transmitting section 11n. Note that the control unit 11 may be configured with an integrated circuit such as an ASIC (Application Specific Integrated Circuit) or an FPGA (Field Programmable Array).

In such a configuration, the reception processing unit 11b receives and processes applications for contracts related to this service. The contract management unit 11c stores the contract information and the like processed by the reception processing unit 11b in the user information DB 14, and manages the contract information by updating it as appropriate. Further, the contract management unit 11c is in charge of executing transfers to points related to this service, and updates and manages transfer information in the transfer information DB 16 every time a transfer is executed.

The advertisement management section 11d stores, updates, and manages point information (for example, additional rate setting information, etc.) set by the partner company in the partner company information DB 17. The advertisement management section 11d may further store, update and manage advertisement setting information set by affiliated companies etc. in the affiliated company information DB 17. The subject of this advertising setting is not limited to affiliated companies. The point information includes add-on rate setting information and add-on rate setting segment information (for example, age group, gender, etc.). The advertising setting information includes advertising area setting information, advertising period setting information, and advertising distribution segment information (for example, age group, gender, etc.).

The fund management unit 11e manages each user's fund information by storing and updating it in the fund information DB 15. Fund information includes the contract amount, split period, number of splits, set interest rate, etc., as well as the status of each payment and transfer. The calculation unit 11f performs various calculations at the timing of contract application for this service, the timing of transfer, and the timing of point setting by the affiliated company. That is, the transfer calculation unit 11g calculates the transfer amount and transfer points. In this system, when the user considers a transfer destination, the user can compare and consider by presenting the points and transfer amount related to the desired transfer destination, but the transfer calculation unit 11g Calculate the transfer amount and transfer points. The fee calculation unit 11h calculates fees to be paid to an agency etc. when applying for a contract for this service, and advertising fees associated with setting public announcements by affiliated companies. The tax calculation unit 11i calculates the amount to be taxed when the transfer is executed, based on a predetermined tax rate. Then, the additional point calculation unit 11j calculates additional points based on the additional rate setting information, additional setting segment information, etc. on the partner company side, and the attributes of the user who executes the transfer. The transfer unit 11k executes the transfer based on the above calculation result. In detail, the transfer unit 11k is capable of executing transfers or payments in installments on the deposit, and the reception processing unit instructs whether to receive points for the transferred amount or in cash for the divided portions. Upon acceptance, the transfer unit 11k executes the transfer or payment based on the calculation result of the tax calculation unit 11i. In taxation processing, a predetermined interest rate is calculated by the taxation calculation unit 11i, and taxation is paid by separate taxation at source. Furthermore, the tax calculation results are accumulated in the user information DB 14 and can be confirmed from the user terminal display.

The authentication unit 11l performs predetermined authentication when accessing the website provided by the management server device 1 using the user terminal device 2, the agency terminal device 3, or the affiliated company terminal device 4. The generation unit 11m generates various display data. The transmitter 11n then transmits the display data to each of the terminals 2, 3, and 4 that have made the request. Then, the main control unit 11a refers to the transfer history etc. in the transfer information DB 16, analyzes the user's preferences, etc., and calculates companies that match the preferences, etc. when the transfer period of the user arrives. Then, by sending push notifications that present additional points, etc. provided by the company in question, the company will guide them towards spending. At the same time, the advertisement management section 11d may preferentially present to the user advertisements from companies that match the preferences analyzed by the main control section 11a.

FIG. 9 shows and describes the configuration of a terminal device in an information processing system according to an embodiment of the present invention. Here, the configuration of the user terminal device 2 is illustrated, but the agency terminal device 3 and the affiliated company terminal device 4 also have the same type of configuration.

As shown in the figure, the terminal device 2 (same as 3 and 4) includes a control section 21, a communication section 22, an operation section 23, a display section 24, and a storage section 25. Each section 21 to 25 is communicably connected via a bus line 26. The communication unit 22 is realized by, for example, a NIC, and is a communication interface that is connected to a communication network 8 such as the Internet by wire or wirelessly, and communicates with the management server device 1 and the like. The operation unit 23 is realized by a mouse, a keyboard, etc., and receives various operation inputs from the user. The display unit 24 is realized by a liquid crystal display or the like, and performs various displays. Note that the operation section 23 and the display section 24 may be integrally configured as a touch panel. The storage unit 25 is realized by, for example, a semiconductor memory device such as a RAM or a flash memory, an HDD, or an optical disk device, and stores a program to be executed by the control unit 21.

The control unit 21 is implemented by a CPU, an MPU, or the like, and functions as a main control unit 21a, a transmission unit 21b, a reception unit 21c, and a display control unit 21d by executing a program stored in the storage unit 25. It goes without saying that the control unit 21 may be configured with an integrated circuit such as an ASIC or an FPGA.

In such a configuration, the transmitter 21b sends a transfer request, etc. to the user terminal device 2, a contract application request, etc. to the agency terminal device 3, and sends a contract application request, etc. to the affiliated company terminal device 4. Requests related to advertisement settings, additional point settings, etc. are transmitted to the management server device 1. The receiving unit 21c receives a reply from the management server device 1 in response to the above request, such as display data. The display control unit 21d controls the display on the display unit 24 based on the display data using a so-called browser function. Then, the main control unit 21 generates a request etc. to be transmitted to the management server device 1 based on the operation of the operation unit 23.

The flow of processing by this system will be described in detail below with reference to the conceptual diagram of FIG. Here, screen display examples shown in FIGS. 11 to 17 will be referred to as appropriate.

As shown in the figure, the agent can log into the agent management site provided by the management server device 1 using the agent terminal device 3. When a login request is received from the agency terminal device 3, the authentication section 11l performs a predetermined authentication on the management server device 1 side. When logged in as a result of this authentication, the agency terminal device 3 can apply for a contract and display various displays (contract status, in-force contract information, agency fees, etc.) on the agency management site. Become. When a contract application request is made on the agency management site by the agency terminal device 3, the reception processing unit 11b in the management server device 1 processes it, and the contract management unit 11c stores the contract information in the user information DB 14, etc. etc., are memorized and updated. Accordingly, the fee calculation unit 11h calculates the agent's fee and electronically pays it to the agent server device 6.

The user can log in to the user management site provided by the management server device 1 using the user terminal device 2 . When a login request is received from the user terminal device 2, on the management server device 1 side, the authentication section 11l performs a predetermined authentication. When logged in as a result of this authentication, the user terminal device 2 can apply for transfer and display various information (contract details, installment date, partner company advertisement, operation status management, etc.) on the user management site. becomes. When the user terminal device 2 makes a request for a transfer application on the user management site, in the operation server device 1, the reception processing unit 11b processes the request, and after the transfer unit 11k executes the transfer, the contract management unit 11c will store and update information, etc. in the asset information DB 15 and transfer information DB 16.

More specifically, under the control of the main control unit 11a, the management server device 1 generates display data in which the generation unit 11m publishes advertisements based on setting information of the affiliated company information DB 17 managed by the advertisement management unit 11d. The transmitting unit 11n can prompt the display of FIGS. 11 to 14 by transmitting the display data to the user terminal device 2.

In the screen display example shown in Figure 11, advertisements are assigned and selectable based on information set by partner companies in a preset advertising area, and in the middle of the screen, point services are viewed by category of partner companies. You can choose as much as you like. In addition, various advertisements such as general banner advertisements and listing advertisements may be posted.

The screen display example in Figure 12 is a display example when a transfer destination is actually selected, and the scheduled transfer date, transfer destination, scheduled multiplication rate, and scheduled points amount are presented in order from the top of the screen. It is now possible to instruct execution. When generating this screen, the operation server device 1, under the control of the main control unit 11a, takes into account the transfer amount calculated by the transfer calculation unit 11g, the tax amount calculated by the tax calculation unit 11i, etc., and receives the annual amount in cash. The generation unit 11m generates display data that allows comparison between the amount received in terms of points and the amount received in terms of points. According to this screen, the user can see at a glance how much benefit there is when receiving the annual amount in terms of points compared to when receiving the annual amount in cash.

The screen display example in FIG. 13 is a display example of a confirmation screen after the transfer is executed. You can check the payment amount up to the time of transfer, the additional rate, the next scheduled payment date, payment history, etc. The management server device 1 may send push notifications related to advertisements based on the user's preferences, but in that case, the user is prompted to confirm the notification on a screen as shown in FIG. 14.

On the other hand, the affiliated company can log in to the affiliated company management site provided by the management server device 1 using the affiliated company terminal device 4. When a login request is received from the affiliated company terminal device 4, the authentication section 11l performs a predetermined authentication on the management server device 1 side. When logged in as a result of this authentication, the affiliated company terminal device 4 performs advertisement settings (segment management, period management, display settings) and additional point settings (segment management, period management, additional rate settings) on the affiliated company management site. , sales management and analysis (sales management, commission management, user analysis). When the partner company terminal device 4 makes a request for advertisement setting, additional point setting, etc. on the partner company management site, in the operation server device 1, the reception processing section 11b processes the request, and the advertisement management section 11d processes the request. Information and advertisement setting information are stored and updated in the affiliated company information DB 17. At this time, on the operation server device 1 side, the advertisement management unit 11d stores and updates the advertisement settings and the additional point settings only when they meet predetermined conditions, and rejects them when the conditions are not met. It is also possible to do this.

More specifically, in the management server device 1, under the control of the main control section 11a, the generation section 11m generates display data, and the transmission section 11n transmits the display data to the affiliated company terminal device 4. It is possible to prompt the displays shown in FIGS.

In the screen display example of FIG. 15, advertisement settings can be made. That is, from the top of the screen, advertising area settings (Area A, B...F, videos can also be set for areas A, B, C), advertising period setting (from the start date to the end date), and advertising distribution segment. (Age, gender, etc.) can be set, and once set, the scheduled advertising amount based on the settings will be presented, and the user can select whether to apply. The scheduled advertising amount is calculated by the main control unit 11a of the management server device 1 based on the point information and advertising setting information in the affiliated company information DB 17. For example, if the additional points are large, the amount can be calculated based on predetermined rules, such as reducing the amount.

In the screen display example of FIG. 16, additional points can be set. In other words, from the top of the screen, you can set the top-up rate setting (uniform period/any period/even gradual reduction/free setting) and the top-up rate setting segment (age, gender, etc.), and you can select whether to execute the settings. .

In the screen display example of FIG. 17, it is possible to set management/analysis conditions, etc. That is, from the top of the screen, management/analysis items (income/payment amount/total additional points/fees/selector analysis/number of selectors/selection date and time), management/analysis period setting (start date to end date), management/analysis Segments (age, gender, etc.) can be selected, and calculation execution can be selected. In response to this calculation execution, in the operation server device 1, the calculation unit 11f executes the corresponding calculation, the generation unit 11m generates display data based on the calculation result, and the transmission unit 11n transmits the display data to the partner company terminal device. Send to 4. This allows the partner company terminal device 4 to check the management and analysis results.

Next, with reference to the flowchart of FIG. 18, a characteristic processing procedure at the time of transfer by this system will be explained in detail.

When the transmitting unit 21b transmits a login request to the user management site under the control of the main control unit 21a of the user terminal device 2 (S11), the reception processing unit 11b of the management server device 1 accepts the login request and performs authentication. The unit 11l refers to the user information DB 14 and performs predetermined authentication (S12). If the authentication is successful, the main control unit 11a refers to the transfer information DB 16 to refer to the transfer history of the user, analyzes the user's preferences, etc., and advertises affiliate companies that match the user's preferences. The generating unit 11l generates display data, and the transmitting unit 11m transmits the display data to the user terminal device 2 (S13).

In the user terminal device 2, the receiving unit 21c receives the display data, and the display control unit 21d displays on the display unit 24 based on the display data (S14). The appearance of this display is as shown in FIG. 11 above. In the user terminal device 2, the main control unit 21a determines whether or not a transfer destination whose details are desired to be confirmed has been specified on the screen of FIG. 11 (S15), and waits until the transfer destination is specified. (S15 branches to No), and when the transfer destination is designated (S15 branches to Yes), the transmitter 21b transmits a calculation request to the management server device 1 (S16).

In the management server device 1, the reception processing unit 11b receives the calculation request (S17), and the calculation unit 11f performs various calculations related to transfer (S18). More specifically, the transfer calculation unit 11g calculates the transfer amount and transfer points. The fee calculation unit 11h calculates fees to be paid to an agency etc. when applying for a contract for this service, and advertising fees associated with setting public announcements by affiliated companies. The tax calculation unit 11i calculates the amount to be taxed when the transfer is executed, based on a predetermined tax rate. Then, the additional point calculation unit 11j calculates additional points based on the attribute information (user information DB) of the user who executes the transfer, etc., based on the additional rate setting information, additional setting segment information, etc. on the partner company side.

Next, in the management server device 1, under the control of the main control unit 11a, the generation unit 11m calculates the annual amount in cash based on the transfer amount calculated by the transfer calculation unit 11g, the tax amount calculated by the tax calculation unit 11i, etc. Display data is generated to compare and present the amounts when receiving and when converting into points and receiving, and the transmitter 11n transmits the display data to the user terminal device 2 (S19).

In the user terminal device 2, the receiving unit 21c receives the display data, and a display based on the display data is displayed on the display unit 24 under the control of the display control unit 21d (S20). The appearance of this display is as shown in FIG. 12 above. According to this screen, the user can see at a glance how much benefit there is when receiving the annual amount in terms of points compared to when receiving the annual amount in cash. Next, in the user terminal device 2, the main control unit 21a determines whether transfer execution is selected on the screen of FIG. 12 (S21), and if transfer execution is not selected and cancel is selected, the process proceeds to S14. Go back and repeat the above process (branching S21 to No), and if transfer execution is selected (branching S21 to Yes), the transmitting unit 21b sends the transfer request to the management server device 1 under the control of the main control unit 21a. (S22).

In the operation server device 1, the reception processing unit 11b accepts the transfer request (S23), the transfer unit 11k executes the transfer (S24), and the asset management unit 11e updates the contents of the fund information DB 15 and transfer information DB 16 ( S25) Under the control of the main control unit 11a, the generation unit 11m generates display data related to transfer completion, and the transmission unit 11n transmits the display data related to transfer completion to the user terminal device 2 (S26).

In the user terminal device 2, the receiving unit 21c receives the display data, and a display based on the display data is displayed on the display unit 24 under the control of the display control unit 21d (S27). The situation is as shown in FIG. 13 above. In this way, a series of processing related to the transfer ends.

As explained above, according to the embodiment of the present invention, the following effects are achieved.

(1) Differences in the products compared when contributing funds and when using funds When contributing funds, it is important that the interest rate is significant compared to cash deposits and time deposits, and that cash is an option for receiving funds. If points were the only option, there would be resistance to contributing 1 million yen, but since cash is an option, time deposits can be compared. If you choose to receive your payment once every six months, you will be compared with the additional rate of points offered by cash or partner companies.

(2) Purchasing decision-making before consumption based on value criteria When selecting a point exchange destination, the selection criteria is the add-on rate, which gives a sense of value, and leads to actual consumption after being converted to points.

(3) Granting points in advance The reasons why companies adopt point programs are to ``stimulate consumption needs,'' ``retain customers,'' ``acquire new customers,'' and ``obtain customer information'' by giving points. Even if the allowance is granted after the fact, all of these reasons for adoption are covered even if it is granted after the fact, and the additional rate is a strong factor that stimulates needs.

(4) Time lag between the time of funding, selection of exchange destination, and consumption behavior If funds are contributed and points are exchanged at the same time when the item you want to purchase is decided, the company's profits will decrease by the amount of points added. become. When contributing funds, it is an important factor that the exchange destination is "undecided", and this is the reason why companies add points as sales promotion expenses in order to acquire "undecided funds", and this is the source of revenue for this system. There is an incentive to pay a certain advertising fee. In addition, a selection notification is issued two months before the exchange, and once the exchange destination is selected, a "consumption plan" is set, which induces additional purchasing behavior for future consumption behavior. For example, when a trip is planned, purchases such as purchasing a new bag for the trip are induced. This is due to the recommendations and functions mentioned above.

(5) Additions rather than discounts Generally, discounts are used to stimulate consumption, but discounts are done at the expense of profitability. On the other hand, with "additional discounts," sales promotion costs will be incurred for the additional amount, but the sales will be higher than that amount, so profitability will be higher than with discounts.

Although the embodiments of the present invention have been described above, the present invention is not limited thereto, and it goes without saying that various improvements and changes can be made without departing from the spirit thereof.

For example, regarding advertisements to users, it is possible to analyze the preferences of the user based on past transfer results (history), etc., and preferentially display advertisements from partner companies in categories that match the preferences. Of course it's a good thing.

1... Management server device, 2... User terminal device, 3... Agency terminal device, 4... Partner company terminal device, 5... Asset management server device, 6... Agency server device, 7... Partner company server device, 8... Communication Network, 11... Control unit, 11a... Main control unit, 11b... Reception processing unit, 11c... Contract management unit, 11d... Advertising management unit, 11e... Fund management unit, 11f... Calculation unit, 11g... Transfer calculation unit, 11h... Fee calculation unit, 11i...Taxation calculation unit, 11j...Additional point calculation unit, 11k...Transfer unit, 11l...Authentication unit, 11m...Generation unit, 11n...Transmission unit, 12...Communication unit, 13...Storage unit, 14...User Information DB, 15... Asset information DB, 16... Transfer information DB, 17... Partner company information DB, 18... Agency information DB, 19... Bus line, 21... Control unit, 21a... Main control unit, 21b... Transmission unit, 21c...Receiving section, 21d...Display control section, 22...Communication section, 23...Operation section, 24...Display section, 25...Storage section, 26...Bus line.

Claims (7)

An information processing device that can freely communicate with a user terminal device,
a reception processing unit that receives a calculation request related to a designated transfer destination from the user terminal device;
a calculation unit that calculates points and transfer amounts related to the specified transfer destination;
a generation unit that generates display data that compares and presents the amount when receiving points for the transfer amount and the amount when receiving in cash;
An information processing device, comprising: a transmitter that transmits the display data to the user terminal device. further comprising a transfer unit that executes the transfer,
The information processing device according to claim 1, wherein when the reception processing unit receives a transfer request from the user terminal device, the transfer unit executes the transfer based on the calculation result of the calculation unit. Additionally equipped with a tax calculation department,
The transfer unit is capable of transferring or paying the deposit in installments,
The tax calculation unit calculates a tax amount at a predetermined interest rate,
When the reception processing unit receives an instruction as to whether to receive points for the transfer amount or cash for the divided portion, the transfer unit transfers the amount based on the calculation result of the calculation unit and the tax amount. The information processing device according to claim 2, wherein the information processing device executes payment. a storage unit that stores transfer history;
The main control unit further includes a main control unit that analyzes the user's preferences by referring to the transfer history in the storage unit, and allocates advertisements so that advertisements of partner companies that match the preferences and attributes are displayed preferentially. death,
The information processing device according to claim 1, wherein the generation unit includes the advertisement in the display data. A method using an information processing device that can freely communicate with a user terminal device,
a reception processing unit receives a calculation request related to a designated transfer destination from the user terminal device,
The calculation unit calculates the points and transfer amount related to the designated transfer destination,
a generation unit generates display data that compares and presents the amount when receiving points for the transfer amount and the amount when receiving in cash,
An information processing method, wherein a transmitter transmits the display data to the user terminal device. A program executed by an information processing device that can freely communicate with a user terminal device,
The information processing device,
a reception processing unit that receives a calculation request regarding a designated transfer destination from the user terminal device;
a calculation unit that calculates points and transfer amounts related to the specified transfer destination;
a generating unit that generates display data that compares and presents the amounts when receiving points for the transfer amount and when receiving points in cash; and a transmitting unit that transmits the display data to the user terminal device. to function as a program. An information processing system comprising a user terminal device and an information processing device,
The user terminal device includes:
a transmitting unit that transmits a calculation request related to a designated transfer destination to the information processing device;
a receiving unit that receives display data from the information processing device;
a display unit that performs display based on the display data,
The information processing device includes:
a reception processing unit that receives a calculation request related to a designated transfer destination from the user terminal device;
a calculation unit that calculates points and transfer amounts related to the specified transfer destination;
a generation unit that generates display data that compares and presents the amount when receiving points for the transfer amount and the amount when receiving in cash;
An information processing system, comprising: a transmitter that transmits the display data to the user terminal device.

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