JP4279749B2 - Point service management method and point service management program - Google Patents

Description

  The present invention relates to a point service management method and a point service management program.

  Today, various efforts are being made to promote sales while continuing transactions with customers. For example, a point service that can be used in the same way as cash at a store for a customer who has purchased a product is provided. In this service, by providing points to a customer, the customer can be prompted to conduct another transaction. Furthermore, a technique relating to a point management system for providing this service in a financial institution such as a bank that handles financial products is disclosed (for example, see Patent Document 1).

The point management system described in Patent Literature 1 includes a customer ledger that registers a transaction account associated with a specific customer, and a balance point generation unit that converts the balance of the transaction account into points using a predetermined conversion method. When an application for a transaction is accepted from a customer, the attribute or transaction volume of the transaction is converted into points using a predetermined conversion method. Then, the generated balance points and transaction points are aggregated and associated with the customer and accumulated in the customer ledger. When a point usage instruction accompanying a transaction application from a customer is received, a predetermined number of points corresponding to the transaction related to the application are subtracted from the customer ledger. Thereby, various preferential evaluations can be executed according to the attributes of various bank transactions, and the evaluations for each of these transactions can be integrated and applied to preferential treatments for other transactions.
JP 2004-164030 A (first page)

  In the point management system of the above-mentioned patent document 1, the customer's convenience can be achieved by providing the customer with points obtained by calculating a transaction attribute or transaction volume by a predetermined conversion method. However, customer relationships are not determined solely by points. The point provided as a sales promotion tool is a tool for determining how to associate with this customer, and a technique for strengthening this association and a technique for realizing this technique have been desired.

  The present invention has been made to solve the above problems, and an object of the present invention is to provide a point service management method and a point service management program that can further promote the use of transactions.

In order to solve the above-mentioned problems, the invention described in claim 1 includes a point data storage means for recording the number of points and an expiration date for each user, and a transaction history data storage for recording a transaction history for each user. A method for managing point services using a means, a valid period calculation function data storage means that records a function for calculating a valid period according to transaction conditions, and a management computer, the management computer using A point calculation step for calculating the number of points to be provided to the user when receiving a transaction notification with the user, and an extraction step for acquiring the transaction history of the user for a predetermined period from the transaction history data storage means; The effective period is calculated using the acquired transaction history and the transaction condition and function recorded in the effective period calculation function data storage means, and based on the effective period. And expiration determination step of determining the expiration date have the expiration date the calculated, in association with the number of points calculated by the point calculation step, a recording step of recording said point data storage means, to said point data storage means When the expiration date of the recorded user's point has arrived, a re-extraction stage for re-acquiring the transaction history of the user from the transaction history data storage means, the re-acquired transaction history, and the validity period Using the transaction conditions and functions recorded in the calculation function data storage means, the validity period is recalculated.
An expiration date redetermination step for determining an expiration date based on an expiration date, and if the determined new expiration date is ahead of the expiration date that has arrived, this new expiration date is used as the validity of the point. that you run the update record step of recording said point data storage means as a time limit for the summary.

The invention according to claim 2, in point service management method according to claim 1, wherein the re-extraction step, the transaction before the expiration date from the time the number of points the expiration date has arrived is recorded in the point data storage means The gist is to re-acquire the history.

The invention according to claim 3 is a point data storage unit that records the number of points and an expiration date for each user, a transaction history data storage unit that records a transaction history for each user, and valid according to transaction conditions. A program for managing a point service using an effective period calculation function data storage unit that records a function for calculating a period and a management computer, and receives a transaction notification between the management computer and a user If so, a point calculation means for calculating the number of points provided to the user, an extraction means for acquiring the transaction history of the user in a predetermined period from the transaction history data storage means, the acquired transaction history, Validity period calculation function Calculates the validity period using the transaction conditions and functions recorded in the data storage means, and determines the validity period based on this validity period. Expiration date determining means, the expiration date and the calculated, in association with the number of points calculated by the point calculation unit, a recording means for recording said point data storage means, has been of a user recorded in said point data storage means When the expiration date of the point has arrived, the user's transaction history is re-extracted from the transaction history data storage means, the re-acquired transaction history, and the validity period calculation function data storage means. Expiration date re-determining means for recalculating the validity period using the recorded transaction conditions and functions, and determining the validity period based on the validity period, and the validity period when the determined new validity period has arrived If it is before the time limit, the new expiration date, functions as an update recording means for recording said point data storage means as the expiration date of the points And summarized in that cause.

According to a fourth aspect of the present invention, in the point service management program according to the third aspect , the re-extracting unit is configured to perform a transaction from the time when the number of expired points is recorded in the point data storage unit to the expiration date. The gist is to make it function to re-acquire the history.

(Function)
According to the invention described in claim 1 or 3 , the management computer calculates the expiration date based on the transaction history of the user. For this reason, the expiration date of points can be set in consideration of the transaction status with the user. For example, a user who maintains a good business relationship can set an expiration date of points based on a long relationship. As a result, it is possible to promote transactions with users.

According to the present invention, a new expiration date is determined based on the user transaction history reacquired when the expiration date comes. For this reason, when the expiration date of the point arrives, it becomes possible to extend the expiration date of the point according to the transaction status or transaction relationship of the user. Therefore, it is possible to promote the use of the user's transaction after providing the points.

According to the present invention, the management computer determines the extension of the point expiration date based on the transaction history from the point provision time to the expiration date. For this reason, if a long valid period is provided at the time of providing points, the valid period is updated in consideration of the transaction history in the long period. For this reason, it is possible to set an effective period that further weights the transaction history with the customer. Therefore, it becomes possible to promote the user's transaction after the points are given and to maintain a good business relationship with the user.

  According to the present invention, it is possible to promote transactions according to users.

DESCRIPTION OF EMBODIMENTS Hereinafter, embodiments embodying the present invention will be described with reference to FIGS. In this embodiment, it is assumed that points are provided for services provided by a bank.
As shown in FIG. 1, the bank host system 20 is connected to the customer terminal 10 via the Internet I. The customer terminal 10 is a terminal for the customer himself / herself to conduct a transaction with a bank, and corresponds to a mobile phone terminal of the customer, for example. In this case, the customer connects the customer terminal 10 to the bank host system 20 via the Internet I, and performs banking transaction processing using the customer terminal 10.

  Further, the point service of this embodiment can be used in common with bank affiliates. The bank host system 20 is connected to another affiliated system 30 via a dedicated network N. The affiliated company system 30 includes a card company system of a credit card company and a securities company system of a securities company.

  The bank host system 20 is a system that performs banking processing based on requests received from the customer terminal 10 and the affiliated company system 30. The bank host system 20 includes a transaction history data storage unit 21 as transaction history data storage means. In the transaction history data storage unit 21, transaction history data relating to a customer account opened in a bank is recorded. This transaction history data is recorded in the transaction history data storage unit 21 when the bank host system 20 performs transaction processing using an account. Specifically, the transaction history data includes deposit / withdrawal history data relating to deposits and withdrawals to / from customer accounts. This deposit / withdrawal history data is configured by associating data related to account identifiers, transaction dates, transaction amounts, supplier names, and descriptions. Here, the account identifier is an identifier for specifying the account in which the deposit / withdrawal is performed. The transaction date is the date on which transactions such as deposits and withdrawals occurred. The transaction amount is the amount deposited into this deposit account or the amount withdrawn from this account. The business partner name is the name of the transfer destination for deposit or withdrawal. The summary includes information on the transaction content, etc. related to deposit or withdrawal. For example, in the case of pay transfer or pension transfer to this account, data indicating transaction details such as “salary” and “pension” is recorded as a summary. In addition, in the case of automatic withdrawal such as electricity charges and telephone charges, data indicating transaction details such as “electric charges” and “telephone charges” is recorded as a summary.

  The transaction history data also includes data related to the customer's purchase history related to foreign currency deposits and investment trusts, accumulation and property, mortgage and card loans, debit card usage history, and safe deposit contract history. These transaction history data are also configured to include data relating to the transaction date, transaction type, and transaction amount in association with the account identifier.

  Further, the bank host system 20 is connected to a point management system 40 that manages points provided to customers. The point management system 40 includes a management computer 41. The point management system 40 further includes a point master data storage unit 42 as an effective period calculation function data storage unit, a customer point data storage unit 43 and a point exercise data storage unit 44 as point data storage units, which are managed. A computer 41 is connected. The management computer 41 has a CPU, RAM, ROM, etc. (not shown), and will be described later (point calculation stage, extraction stage, expiration date determination stage, recording stage, re-extraction stage, expiration date re-determination stage, and update recording stage. Etc.). Then, by executing the point service management program for this purpose, the management computer 41 serves as a point calculation means, extraction means, expiration date determination means, recording means, re-extraction means, expiration date re-determination means, update recording means, etc. Function.

  The point calculation means calculates the number of points to be provided to the user when receiving a transaction notification with the user. The extraction unit acquires the transaction history of the user for a predetermined period from the transaction history data storage unit. The expiration date determination means calculates the expiration date using the acquired transaction history and the transaction conditions and functions recorded in the expiration date calculation function data storage means, and determines the expiration date based on the expiration date. The recording unit records the calculated expiration date in the point data storage unit in association with the number of points calculated by the point calculation unit.

  The re-extracting means re-acquires the transaction history of the user from the transaction history data storage means when the expiration date of the user's points recorded in the point data storage means has arrived. The expiry date re-determination means recalculates the expiry period using the re-acquired transaction history and the transaction conditions and functions recorded in the expiry period calculation function data storage means, and sets the expiry period based on the validity period. decide. The update recording unit records the new expiration date as the point expiration date in the point data storage unit when the determined new expiration date is ahead of the arrival expiration date.

  Here, as shown in FIG. 2, point master data 420 relating to points is recorded in the point master data storage unit 42. The point master data 420 includes point generation data 421 and valid period determination data 422.

  In the point generation data 421, data relating to the transaction type and the point number determination function provided to the customer correspondingly is recorded. Then, the management computer 41 uses the point generation data 421 to calculate points corresponding to the transaction type. For example, “1” points are recorded as the point number determination function for the transaction type “salary transfer”. In this case, if there is a salary transfer, “1 point” is provided for each transfer. In addition, in the transaction type “card loan”, points of “loan amount / 100,000 yen” are recorded as the point number determining function. In this case, if a loan is used, points (1 point for every 100,000 yen) are provided according to the loan amount.

  In the effective period determination data 422, data relating to transaction conditions and an effective period determination function for determining the effective period of points to be provided to the customer is recorded. Then, the management computer 41 uses this validity period determination data 422 to calculate the validity period corresponding to the transaction conditions.

  This transaction condition data area includes a transaction type and an amount as conditions for determining the valid period. For example, a function for calculating the effective period of points such as “+6 months” as an effective period determination function for “execution of accumulated savings of 1 million yen or more within half a year” as a condition for the accumulated savings It is recorded. The effective period determination function of the present embodiment uses a function that increases the effective period when the transaction amount is large or the transaction period is long.

  On the other hand, the customer point data storage unit 43 stores customer point data 430 relating to points held by the customer. This customer point data 430 is recorded and updated when the bank host system 20 performs transaction processing. The customer point data 430 includes data relating to a customer identifier, a transaction identifier, a point provision date, the number of points, and an expiration date.

In the customer identifier data area, data relating to an identifier for identifying the customer who provided the points is recorded.
In the transaction identifier data area, data relating to an identifier for specifying the transaction that has provided this point is recorded.

In the point provision date data area, data relating to the date on which the point is provided, that is, the date on which the customer point data 430 is recorded is recorded.
In the point number data area, data relating to the available point balance among the points provided to the customer is recorded. The initial value of the number of points is the number of points calculated by the point number determination function of the point generation data 421. When the customer uses points, the number of points in the customer point data 430 is subtracted according to the number of points used. When the number of points becomes “0”, all the points recorded in the customer point data 430 are used.

  In the expiration date data area, data related to the expiration date of the points provided in this transaction is recorded. This expiration date is determined based on the effective period calculated by the effective period determination function of the effective period determination data 422 and the point provision date.

  In the point exercise data storage unit 44, point exercise data relating to conditions when a customer uses (executes) points is recorded. Specifically, the point exercise data includes data relating to the point exercise target classification, exercise unit, and exercise content.

  In the point exercise target classification data area, classification data relating to an identifier for specifying the point exercise target is recorded. In this embodiment, “classification name” is used as an identifier. Specifically, “fee preferential treatment”, “premium” or the like is used.

In the exercise unit data area, data relating to a unit necessary for exercising points is recorded. Specifically, “100 points”, “200 points”, and the like.
In the exercise content data area, data relating to the content of profits received by the customer when exercising points is recorded. In the present embodiment, by exercising points, it is possible to receive interest rate preferential treatment, commission discounts, and prizes. For example, in the case of “interest rate preferential treatment”, “0.1% interest rate preferential treatment” is recorded as the exercise content for the exercise unit “200 points”. In the case of “fee preferential treatment”, “500 yen discount” is recorded as the exercise content for the exercise unit “100 points”.

  Next, the processing procedure of the point service management system in this embodiment will be described with reference to FIGS. In this embodiment, a point registration process, a point availability notification process, a point use process, and an expiration date extension process will be described in this order.

(Point registration process)
For example, the customer makes a transaction request such as “transfer” using the customer terminal 10. In this case, the customer terminal 10 transmits the “transfer” transaction request and the customer's account number and password to the bank host system 20.

  When the bank host system 20 completes the user authentication based on the received customer account number and password, the bank host system 20 requests the customer terminal 10 for transaction detail data for processing (here, “transfer”).

  The customer terminal 10 transmits transaction detail data for processing to the bank host system 20 in response to a request from the bank host system 20. The transaction detail data includes data relating to the transfer destination account and the transfer amount.

  The bank host system 20 executes processing based on the transaction detail data received from the customer terminal 10. At this time, the bank host system 20 deducts the total amount of the amount according to the transfer and the transfer fee from the balance of the target customer account from the customer's transfer account.

  Note that the bank host system 20 may receive a transaction request for withdrawal from the affiliated company system 30. Also in this case, the bank host system 20 performs processing based on this transaction request. For example, when the affiliated company system 30 is a card company system, for the use of a credit card, the transaction details data about the account identifier of the withdrawal destination customer and the withdrawal amount is received.

  Then, the bank host system 20 records data relating to processing performed based on processing requests from the customer terminal 10 and the affiliated company system 30 in the transaction history data storage unit 21. Specifically, the bank host system 20 records the deposit / withdrawal history data for the account of the customer to be traded based on the received transaction detail data. Further, the bank host system 20 assigns a transaction identifier for specifying the transaction. This transaction identifier is an identifier for specifying a transaction.

  Then, the bank host system 20 that has performed the transaction processing transmits transaction notification data to the point management system 40. This transaction notification data includes data relating to the transaction identifier, transaction type, transaction amount, and customer identifier for which transaction processing has been performed. Here, transaction types include “salary transfer” and “pension transfer”.

  And the management computer 41 of the point management system 40 receives transaction notification data (step S1-1). This transaction notification data is used for calculating points provided to the customer by the management computer 41.

  Next, the management computer 41 calculates the number of points to be provided (step S1-2). Specifically, the management computer 41 specifies point generation data 421 for calculating the number of points based on the received transaction type. Then, the management computer 41 calculates the number of points to be provided to the customer using the point number determination function of the identified point generation data 421 and the transaction amount included in the received transaction notification data.

  Next, the management computer 41 determines the expiration date of the number of points provided to the customer. For this reason, the management computer 41 acquires the transaction history data of the customer for a predetermined period (step S1-3). In this embodiment, half a year is used as the predetermined period. In this case, specifically, the management computer 41 uses the customer identifier of the customer providing the points, and the transaction history having the transaction date and time within the past half year recorded in the transaction history data storage unit 21 of the bank host system 20. Extract data.

  Then, the management computer 41 determines an expiration date for the number of points to be provided (step S1-4). Specifically, first, the management computer 41 specifies valid period determination data 422 that matches the transaction type for the transaction history data acquired in step S1-3. Then, the management computer 41 compares whether or not the transaction contents of the customer satisfy the transaction conditions included in the valid period determination data 422. When the transaction contents of the customer satisfy the transaction condition of the valid period determination data 422, the management computer 41 calculates the valid period using a corresponding valid period determination function. At this time, when a plurality of validity periods are calculated based on the transaction history of the customer, the longest validity period is determined as the validity period of the points provided to the customer. If the transaction details of the customer do not satisfy the transaction conditions of the valid period determination data 422, the normal valid period is set. Then, the management computer 41 determines the expiration date based on the transaction date and the validity period.

  Next, the management computer 41 registers a provision point (step S1-5). Specifically, the received customer identifier and transaction identifier, the calculated number of points, and data relating to the expiration date are recorded in the customer point data storage unit 43. Thus, the point registration process is completed.

(Point availability notification process)
Next, the point availability notification when exercising the provided points will be described below. In this embodiment, this process is executed every time a point is provided to a customer.

  Here, first, the point management system 40 calculates the total value of the number of points provided to the customer. Specifically, the management computer 41 extracts the customer point data 430 from the customer point data storage unit 43 based on the customer identifier of the customer who provided the points. Next, the management computer 41 specifies the customer point data 430 whose recorded point balance is not “0” in the extracted customer point data 430 and whose expiration date has not passed. Then, the management computer 41 calculates the total value of points by adding all the points of the identified customer point data 430.

  Next, the management computer 41 compares the point total value with the exercise unit recorded in the point exercise data storage unit 44. If the total point value of the customer is equal to or greater than the exercise unit, the management computer 41 extracts exercise content data corresponding to this. Then, the management computer 41 transmits a point use notification including the extracted exercise content data to the customer terminal 10 via the bank host system 20. At this time, the management computer 41 specifies the date with the closest expiration date in the customer point data 430 of this customer, and includes data relating to this date in the exercise content data.

  Upon receiving the point availability notification, the customer terminal 10 displays information on the point total value held by the customer and the nearest expiration date (for example, August 20). Here, a message such as “Until August 20th, a fee of 500 yen can be discounted by using points” is displayed on the screen. Thereby, the point management system 40 notifies the customer that points can be used.

(Point usage processing)
Next, a case where a customer uses points will be described. Here, it is assumed that the customer uses “fee preferential treatment” which discounts 500 yen for the fee.

  The customer connects to the bank host system 20 from the customer terminal 10 via the Internet I and makes a transfer request. Specifically, a transfer request specifying a withdrawal account, a transfer account, and a transfer amount is transmitted. At this time, in order to use the points for the transfer fee, the customer transmits a point use request including data on “fee preferential treatment” as the exercise content from the customer terminal 10.

  The bank host system 20 that has received the transfer request and the point use request requests the point management system 40 to perform point calculation processing. Specifically, the bank host system 20 transmits to the point management system 40 data related to the customer identifier and the details of the “transfer fee” exercise (here, “fee preferential treatment”).

  The management computer 41 of the point management system 40 calculates the number of available points for the received customer identifier data. Here, the management computer 41 extracts the customer point data 430 of the customer whose expiration date has not passed and the point is not “0”. Then, the management computer 41 adds up the number of points of the extracted customer point data 430 and calculates a total value.

  Furthermore, the management computer 41 acquires exercise unit data corresponding to the requested exercise content from the point exercise data storage unit 44. Then, the management computer 41 compares the total value of points held by the customer with the exercise unit. When the total value of the customer is greater than the exercise unit points, the management computer 41 subtracts the number of points to be used and updates the number of points in the customer point data 430. In this case, the expiration dates are used in order. In other words, the management computer 41 sequentially subtracts the number of points of the customer point data 430 when one customer point data 430 is insufficient for the required number of points.

  Then, the management computer 41 that has finished the point subtraction process transmits a completion notification to the bank host system 20. In addition, when the number of possessed points is insufficient as compared with the exercise unit of the exercise content requested by the customer, a notice that the points cannot be used is transmitted to the customer terminal 10 via the bank host system 20. In this case, the bank host system 20 executes transaction processing by deducting the fee from the customer's account.

  The bank host system 20 that has received the completion notification from the point management system 40 executes transaction processing in which the transfer fee is discounted based on the transfer request received from the customer terminal 10. Then, the bank host system 20 records data regarding this processing in the transaction history data storage unit 21.

(Expiration date extension process)
Next, the expiration date extension process in the management computer 41 will be described with reference to FIG. This expiration date extension process is executed when the expiration date of each point recorded in the customer point data 430 has arrived.

  Here, the management computer 41 determines whether or not the expiration date recorded in the customer point data 430 has arrived regularly (for example, every day) (step S2-1). Specifically, the management computer 41 determines the expiration date by comparing the expiration date of the customer point data 430 with the current date (step S2-1).

  If the expiration date has arrived (in the case of “YES” in step S2-1), the management computer 41 acquires transaction history data of the customer for a predetermined period based on the customer identifier of the customer point data 430 ( Step S2-2). Specifically, the management computer 41 acquires customer transaction history data 210 for a predetermined period from the transaction history data storage unit 21 of the bank host system 20 using the customer identifier. In this embodiment, the transaction history data 210 from the point provision date recorded in the customer point data 430 (the date when the customer point data 430 is recorded) to the expiration date is acquired.

  Next, the management computer 41 determines whether or not the expiration date can be extended (step S2-3). Specifically, the customer transaction history data acquired in step S2-2 is compared with the valid period determination data 422 recorded in the point master data storage unit 42. That is, the validity period is calculated based on the transaction history from the date when this point is provided until the expiration date. Then, the management computer 41 compares the expiration date recalculated from the calculated expiration date with the expiration date of the customer point data 430.

  If the recalculated expiration date is earlier than the expiration date of the customer point data 430, the management computer 41 determines that the expiration date can be extended ("YES" in step S2-3). In this case, the calculated expiration date is recorded in the customer point data 430 as a new expiration date for the number of points (step S2-4).

  On the other hand, when the recalculated expiration date is shorter than the expiration date of the customer point data 430 (“NO” in step S2-3), the management computer 41 changes the expiration date of the customer point data 430. do not do. Therefore, points that have expired and whose term has not been extended cannot be used.

According to this embodiment, the following effects can be obtained.
In this embodiment, the point management system 40 determines the expiration date of the points to be provided using the customer transaction history data and the validity period determination data 422 (step S1-4). For this reason, the point as a tool for promoting sales can be determined individually according to the transaction status with the customer. Therefore, for customers who continue good transactions, the deadline can be set longer so that points can be used longer for longer associations. As a result, it is possible to improve convenience for customers and promote transactions with users.

  In the present embodiment, when the expiration date has arrived (“YES” in step S2-1), the point management system 40 calculates the expiration date of this point and determines whether or not the expiration date can be extended. (Step S2-3). For this reason, it is possible to review the expiration date of the points provided to the customer according to the subsequent transaction amount of the customer. Therefore, even when a long expiration date cannot be set at the time of providing points, the convenience of the customer can be improved in consideration of the subsequent transaction status.

  In the present embodiment, when the expiration date comes, the management computer 41 acquires transaction history data of the customer for a predetermined period based on the customer identifier of the customer point data 430 (step S2-2). Specifically, the management computer 41 acquires customer transaction history data 210 for a predetermined period from the transaction history data storage unit 21 of the bank host system 20 using the customer identifier. In this case, the transaction history data 210 from the point provision date recorded in the customer point data 430 (the date when the customer point data 430 is recorded) to the expiration date is acquired. Then, the management computer 41 determines whether or not the expiration date can be extended based on the acquired customer transaction history data (step S2-3). Since the validity period from the point provision date to the expiration date is determined based on the transaction status at the time of providing the point, if a long validity period is acquired at that time, when the extension of the expiration date is determined in step S2-3 Also works. Therefore, not only when providing points, but also for customers who have a good business relationship thereafter, it is possible to provide greater profits and promote further transactions.

  In this embodiment, every time points are provided to a customer, a point availability notification process is executed. Specifically, the management computer 41 compares the effective total point value with the exercise unit recorded in the point exercise data storage unit 44. If the total point value of the customer is equal to or greater than the exercise unit, the management computer 41 extracts exercise content data corresponding to this. Then, the management computer 41 transmits a point use notification including the extracted exercise content data to the customer terminal 10 via the bank host system 20. At this time, the management computer 41 specifies the date with the closest expiration date in the customer point data 430 of this customer, and includes data relating to this date in the exercise content data. In this embodiment, since the expiration date is set for the provided points, the customer may pass the expiration date. By including an expiration date in the point availability notification, attention can be paid to the possibility of interruption and customer convenience can be improved.

  In the present embodiment, the point management system 40 acquires the transaction history data recorded in the transaction history data storage unit 21 from the bank host system 20 when determining the expiration date of points (step S1-3). For this reason, the point management system 40 can acquire the customer's real-time transaction history data efficiently, and can determine the expiration date reflecting the customer's transaction history data quickly.

  In the present embodiment, the point management system 40 provides points even when processing is performed on a customer account based on a transaction request from the affiliated company system 30. For this reason, since the point management system 40 can provide points to the customer by the processing from the affiliated company system 30 in the bank host system 20, it also manages the points of the financial institution having the affiliated company system 30. Can do.

Moreover, you may change the said embodiment as follows.
In the above embodiment, the point management system 40 provides points based on the transaction history data acquired from the transaction history data storage unit 21 of the bank host system 20. However, the point management system 40 may include a transaction history data storage unit in the point management system 40 separately from the transaction history data storage unit 21 of the bank host system 20. Specifically, the point management system 40 duplicates and records the new transaction history data recorded in the transaction history data storage unit 21 at a predetermined time in the transaction history data storage unit. Thereby, the point management system 40 can perform processing related to the calculation of the expiration date and the recalculation of the extension without transmitting / receiving with the bank host system 20.

  In the above embodiment, the point management system 40 performs a point availability notification process to the user when there is a transaction request from the customer terminal 10 in the bank host system 20 and a new point is calculated. Instead of this, the point management system 40 may periodically calculate the total value of the number of points of the customer and notify based thereon. In this case, the point management system 40 is provided with a storage unit for storing the mail address of the customer terminal 10 and the like. When the point management system 40 determines that the points can be used, the point management system 40 may notify the mail address of the customer terminal 10. This makes it easy to control the frequency of notification.

  The point management system 40 may also notify the customer when the customer's new point is calculated based on the transaction request from the affiliated company system 30. You may notify the mail address of the customer terminal 10 of the point provided by this. Thereby, the customer can know together that the point was provided and that the account was withdrawn.

The system schematic of embodiment of this invention. Explanatory drawing of the data recorded on the point master data storage part. Explanatory drawing of the data recorded on the customer point data storage part. Explanatory drawing of the process sequence of the point registration process of this embodiment. Explanatory drawing of the process sequence of the expiration date extension process of this embodiment.

Explanation of symbols

  41... Management computer, 42... Point master data storage section as effective period calculation function data storage means, 43... Customer point data storage section as point data storage means.

Claims (4)

Point data storage means for recording the number of points and the expiration date for each user;
Transaction history data storage means for recording a transaction history for each user;
An effective period calculation function data storage means that records a function for calculating an effective period according to transaction conditions;
A method for managing point services using a management computer,
The management computer is
When a transaction notification with a user is received, a point calculation stage for calculating the number of points provided to the user,
An extraction stage of acquiring the transaction history of the user in a predetermined period from the transaction history data storage means;
An expiration date determining step of calculating an effective period using the acquired transaction history and transaction conditions and functions recorded in the effective period calculation function data storage means, and determining an effective period based on the effective period; ,
A recording step of recording the calculated expiration date in the point data storage means in association with the number of points calculated in the point calculation step ;
A re-extraction step of re-acquiring the transaction history of the user from the transaction history data storage means when the expiration date of the user's points recorded in the point data storage means has arrived;
The validity period is recalculated using the re-acquired transaction history and the transaction condition and function recorded in the validity period calculation function data storage means, and the validity period is re-determined based on the validity period. The decision stage;
An update recording step of recording the new expiration date in the point data storage means as the expiration date of the point when the determined new expiration date is ahead of the expiration date that has arrived; run to point service management and wherein the Rukoto a>.   The point service management method according to claim 1, wherein the re-extraction step re-acquires a transaction history from the time when the number of points whose expiration date has expired is recorded in the point data storage means to the expiration date.   Point data storage means for recording the number of points and the expiration date for each user;
  Transaction history data storage means for recording a transaction history for each user;
  An effective period calculation function data storage means that records a function for calculating an effective period according to transaction conditions;
  A program for managing point services using a management computer,
  The management computer,
  A point calculation means for calculating the number of points provided to the user when receiving a transaction notification with the user;
  An extraction means for acquiring the transaction history of the user in a predetermined period from the transaction history data storage means;
  Expiration date determining means for calculating an effective period using the acquired transaction history and the transaction conditions and functions recorded in the effective period calculation function data storage means, and determining an expiration date based on the effective period; ,
  A recording unit that records the calculated expiration date in the point data storage unit in association with the number of points calculated by the point calculation unit;
  Re-extracting means for re-acquiring the transaction history of the user from the transaction history data storage means when the expiration date of the user's points recorded in the point data storage means has arrived;
  The validity period is recalculated using the re-acquired transaction history and the transaction condition and function recorded in the validity period calculation function data storage means, and the validity period is re-determined based on the validity period. A determination means;
  An update recording unit that records the new expiration date as the point expiration date in the point data storage unit when the determined new expiration date is earlier than the arrival expiration date.
Point service management program to function as.   4. The point according to claim 3, wherein the re-extracting means functions so as to re-acquire a transaction history from the time when the number of points at which the expiration date has expired is recorded in the point data storage means to the expiration date. Service management program.

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