JP5280094B2 - Transaction promotion management system, transaction promotion management method, and transaction promotion management program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a transaction promotion management system, a transaction promotion management method and a transaction promotion management program for promoting member registration that allows users to receive privileges, and further promoting transactions based on the privileges to members depending on transaction statuses. <P>SOLUTION: A control unit 21 of a service management server 20 obtains a user's transaction history from a transaction history data storage unit 33. The control unit 21 executes a determining process as to whether there are previous transactions for which benefits and privileges are given. If the history includes previous transactions for which privileges are given, the control unit 21 of the service management server 20 uses a privilege requirement data storage unit 24 and specifies lacking requirements for receiving the benefits and privileges. The control unit 21 collates alternative requirements recorded in the privilege requirement data storage unit 24 with the transaction history and thereby executes a rearrangement process for the lacking requirements. Then the control unit 21 executes a display process for a benefit guidance screen including a display about the lacking requirements rearranged. <P>COPYRIGHT: (C)2010,JPO&amp;INPIT

Description

  The present invention relates to a transaction promotion management system, a transaction promotion management method, and a transaction promotion management program for promoting participation in a preferential membership system and promoting transactions by preferential treatment for members.

Today, in order to promote transactions with customers, a preferential system using a point service or the like is utilized. For this reason, a system for managing point services has also been studied (for example, see Patent Document 1). In the technique described in this document, the management computer specifies the necessary number of points for acquiring the target item recorded in the target setting information storage unit using the item information storage unit. Then, a point acquisition plan function for accumulating the required number of points in the period until the desired acquisition time is calculated, and the target accumulated point number for the next confirmation timing is specified in the point acquisition plan function. Then, the difference between the expected cumulative point number for the predetermined period calculated based on the cumulative point number recorded in the cumulative point number information storage means and the target cumulative point number is calculated. Then, the transaction amount for replenishing the difference is calculated using the conversion information storage means, and a notification including this transaction amount is transmitted to the contact information of the user. Thereby, a goal is set for the user of the point service, and the willingness to achieve this goal is increased.
JP 2007-102329 A (first page)

  In promoting transactions using such a preferential system, it is important to first introduce the contents of the preferential system and encourage participation in the preferential system. However, customers who are not conscious of such a preferential system may fail to use the preferential system. In this case, the company loses the opportunity to promote transactions. In particular, since the transaction status varies depending on the customer, it is difficult to promote new transactions unless the advantages of the preferential treatment system according to each situation are visible.

  The present invention has been made to solve the above-mentioned problems, and its purpose is to promote membership registration that allows users to receive preferential treatment and to preferentially deal with members according to the transaction situation. A further object is to provide a transaction promotion management system, a transaction promotion management method, and a transaction promotion management program for promoting transactions.

In order to solve the above-mentioned problem, the invention according to claim 1 is a transaction information storage unit that records a transaction history including a transaction type identifier for each customer identifier, and a transaction type identifier that is a preferential target. Preferential information storage means that records preferential content and preferential application conditions for receiving preferential treatment , alternative conditions for specifying the transaction content that is performed in place of the transactions that are preferential application conditions, and customer users A transaction promotion management system comprising a control means for communicating with a terminal, wherein the control means obtains a customer identifier from a user terminal that has made access, and sets a transaction type identifier of a candidate for preferential treatment for the customer. Identifying and obtaining a transaction history associated with the customer identifier from the transaction information storage means, preferential content and preferential application conditions for the preferential candidate transaction type identifier Obtained from the preferential information storage means, by comparing the preferential application condition and the transaction history to identify preferential application conditions are missing as insufficient condition in the preferential information storage means, alternative conditions for insufficient conditions Identifying the alternative condition and the transaction type identifier of the transaction history, and a guidance screen that raises the priority for the insufficient condition corresponding to the alternative condition that matches the transaction type identifier of the transaction history, The gist of the present invention is that a means for outputting a guidance screen for prompting a new transaction regarding the shortage condition to the user terminal is provided.

According to a second aspect of the present invention, in the transaction promotion management system according to the first aspect, the control unit acquires a transaction history associated with the customer identifier from the transaction information storage unit, and the transaction of the transaction history The gist is to collate the type identifier with the transaction type identifier recorded in the preferential information storage means and identify the matching transaction type identifier as a preferential target candidate.

  According to a third aspect of the present invention, in the transaction promotion management system according to the first or second aspect, the control means obtains a transaction type identifier input by a customer from the user terminal, and from the user terminal The gist is to collate the acquired transaction type identifier with the transaction type identifier recorded in the preferential information storage means, and specify a matching transaction type identifier as a preferential target candidate.

According to a fourth aspect of the present invention, in the transaction promotion management system according to any one of the first to third aspects, a point information storage means that records the number of points given according to the transaction for each customer identifier. In addition, the preferential information storage means records the required number of points as preferential application conditions for receiving preferential treatment, and the control means is recorded in the point information storage means and the required number of points of the preferential candidate The gist further includes means for calculating a shortage point number as a shortage condition from the difference from the point number and outputting a screen for prompting a new transaction necessary to satisfy the shortage point number.

According to a fifth aspect of the present invention, in the transaction promotion management system according to the fourth aspect , the point information storage unit stores a point accumulation history in which a date when points are acquired is recorded, and the control unit However, the point acquisition prediction obtained by extending the point acquisition pattern in the point accumulation history to a future date is calculated, and the necessary points less than the number of points specified based on the point acquisition prediction using the preferential information storage unit The gist further includes means for acquiring a preferential treatment candidate having a number as a preferential application condition, and outputting the point acquisition prediction and the preferential treatment candidate to the user terminal.

The invention described in claim 6 is a transaction information storage means for recording a transaction history including a transaction type identifier for each customer identifier, and a preferential treatment and preferential treatment for receiving a preferential treatment for the transaction type identifier to be preferential. Preferential information storage means for recording alternative conditions for specifying the transaction conditions that are performed in place of the transaction that is the preferential application condition, and a control means for communicating with the customer's user terminal A method for managing transaction promotion using the provided transaction promotion management system, wherein the control means obtains a customer identifier from the accessed user terminal, and deals with a candidate for a preferential treatment for the customer. The type identifier is specified, the transaction history associated with the customer identifier is acquired from the transaction information storage means, and the preferential content and the preferential content for the preferential candidate transaction type identifier are obtained. Get the application condition from the preferential information storage means, by comparing the preferential application condition and the transaction history to identify preferential application conditions are missing as insufficient condition in the preferential information storage means, the lack of conditions This is a guidance screen in which the alternative conditions are identified, the alternative conditions and the transaction type identifier of the transaction history are collated, and the priority order is increased for the insufficient conditions corresponding to the alternative conditions that match the transaction type identifier of the transaction history. Then, the gist is to execute a step of outputting a guidance screen for prompting a new transaction for the shortage condition to the user terminal.

The invention described in claim 7 is a transaction information storage means for recording a transaction history including a transaction type identifier for each customer identifier, and a preferential treatment and preferential treatment for receiving a preferential treatment for the transaction type identifier. Preferential information storage means for recording alternative conditions for specifying the transaction conditions that are performed in place of the transaction that is the preferential application condition, and a control means for communicating with the customer's user terminal A program for managing transaction promotion using the provided transaction promotion management system, wherein the control means obtains a customer identifier from a user terminal that has made access, and deals with a candidate for preferential treatment for this customer Preferential content about the transaction type identifier of the candidate for preferential treatment by identifying the type identifier, obtaining the transaction history associated with the customer identifier from the transaction information storage means Get the finely preferential applicable condition from the preferential information storage means, by comparing the preferential application condition and the transaction history to identify preferential application conditions are missing as insufficient condition in the preferential information storage means, shortage Guidance screen that identifies alternative conditions for conditions, collates the alternative conditions with the transaction type identifier of the transaction history, and raises the priority for the insufficient conditions corresponding to the alternative conditions that match the transaction type identifier of the transaction history And it makes it a summary to function as a means to output to the user terminal a guidance screen that prompts a new transaction for the shortage condition .

(Function)
According to the first, sixth, or seventh aspect of the invention, the control means acquires the customer identifier from the accessing user terminal and specifies the transaction type identifier of the preferential candidate for the customer. Next, the transaction history associated with the customer identifier is acquired from the transaction information storage means. And the preferential content and preferential application conditions about the transaction type identifier of the preferential treatment candidate are acquired from the preferential information storage means. Then, the transaction history and the preferential application condition are compared, and the preferential application condition that is lacking is specified as the shortage condition. Then, information for prompting a new transaction necessary to satisfy the preferential content and the shortage condition is output to the user terminal. Thereby, the preferential content can be introduced according to the transaction status with the customer, and a new transaction for receiving this preferential application can be promoted.

  According to invention of Claim 2, the transaction history linked | related with the customer identifier is acquired from a transaction information storage means. Then, the transaction type identifier of the transaction history is compared with the transaction type identifier recorded in the preferential information storage unit, and the matching transaction type identifier is specified as a preferential target candidate. Thereby, the preferential content can be introduced based on the transaction content with a track record, and a new transaction for receiving this preferential application can be promoted.

  According to the invention described in claim 3, the transaction type identifier input by the customer is acquired from the user terminal. Then, the transaction type identifier acquired from the user terminal is compared with the transaction type identifier recorded in the preferential information storage unit, and the matching transaction type identifier is specified as the preferential target candidate. Thereby, the preferential content can be introduced based on the content of the transaction to be performed in the future, and a new transaction for receiving this preferential application can be promoted.

According to the present invention, the control means collates the transaction type identifier of the transaction history with the alternative condition. Then, a priority is set for the shortage condition corresponding to the alternative condition that matches the transaction type identifier in the transaction history, and information that prompts a new transaction for the shortage condition is output based on the priority. Thereby, the customer can receive preferential treatment by changing the conventional transaction method.

According to the fourth aspect of the present invention, the control means calculates the shortage point number as a shortage condition from the difference between the necessary number of points of the preferential treatment candidate and the number of points recorded in the point information storage means. Then, a screen for prompting a new transaction necessary for satisfying the shortage point number is output. Thereby, a transaction can be promoted by using the points.

According to the invention described in claim 5 , the control means calculates a point acquisition prediction obtained by extending the point acquisition pattern in the point accumulation history to a future date. Next, using the preferential information storage unit, preferential treatment target candidates are obtained with a preferential application condition having a required number of points smaller than the number of points specified based on the point acquisition prediction. Then, the point acquisition prediction and the preferential treatment target candidate are output to the user terminal. Here, as the number of points specified based on the point acquisition prediction, it is possible to use the number of points calculated by the point acquisition prediction or the number of preferentially applicable points that can be applied next based on the point acquisition prediction. it can. Thereby, the preferential content by the future acquisition point can be introduced and a new transaction for receiving this preferential application can be promoted.

  ADVANTAGE OF THE INVENTION According to this invention, while promoting the member registration which can receive preferential treatment with respect to a user, transaction can be further promoted by preferential treatment with respect to a member according to the transaction situation.

  DESCRIPTION OF EMBODIMENTS Hereinafter, embodiments embodying the present invention will be described with reference to FIGS. In the present embodiment, it is assumed that a financial institution that is a banking service provider provides a preferential treatment system to users (customers) of the net banking service. In this preferential system, the user can enjoy preferential treatment by registering as a member. In this embodiment, there are two types of preferential treatment: “privilege preferential treatment” provided unconditionally depending on the transaction status, and “point preferential treatment” using “points” given depending on the transaction status. In addition, it is possible to receive preferential treatment such as discounting of fees for various transactions performed during a predetermined period and setting an advantageous interest rate for a predetermined period.

  As shown in FIG. 1, a service management server 20 is connected to a user terminal 10 via a network. The user terminal 10 is a terminal for the customer himself / herself to perform transaction processing with a financial institution. For example, the user's mobile phone terminal or computer terminal is used.

  The service management server 20 is further connected to the host system 30. The host system 30 is a system that performs banking processing based on a transaction request received from the user terminal 10 via the service management server 20. The host system 30 includes an account management data storage unit 32 and a transaction history data storage unit 33.

  The account management data storage unit 32 stores an account management record related to the deposit account of the customer of this financial institution. This account management record is recorded when a customer opens a deposit account. The account management record includes data relating to an account identifier, a customer identifier, and an account balance.

  In the account identifier data area, data relating to an identifier for specifying a customer's deposit account is recorded, and the account identifier includes a branch name code, a deposit type code, and an account number.

In the customer identifier data area, data relating to an identifier assigned to each customer in order to specify the customer who is the holder of the deposit account is recorded. By using this customer identifier, information regarding the account holder can be acquired from a customer management data storage unit (not shown).
Data relating to the balance of the deposit account is recorded in the account balance data area.

  The transaction history data storage unit 33 functions as a transaction information storage unit and records a transaction history record relating to a transaction performed between a financial institution and a customer. This transaction history record is recorded when a financial institution makes a transaction with a customer. Specifically, the transaction history record includes deposit / withdrawal data related to deposit / withdrawal to / from a deposit account. In this deposit / withdrawal data, it is possible to specify a transaction history such as salary and annuity transfer, public utility account transfer, deposit of time deposits / deposits, etc. using “transfer” and “summary”. The transaction history data storage unit 33 also records transaction history data for transaction types such as mortgages, card loans, and credit card usage.

The service management server 20 includes a control unit 21, a customer management data storage unit 22, a member management data storage unit 23, a preferential condition data storage unit 24, and a preferential application history data storage unit 25. The control unit 21 includes control means including a CPU, a RAM, a ROM, and the like (not shown), and processes described later (person authentication stage, member solicitation process stage, privilege preferential management stage, insufficient condition management stage, point management stage, preferential treatment The process including the continuous management stage and the transaction processing stage). Then, by executing the transaction promotion management program for this purpose, the control unit 21 causes the personal authentication means 210, the member solicitation processing means 211, the privilege preferential management means 212, the shortage condition management means 213, the point management means 214, the preferential treatment continuation. It functions as management means 215, transaction processing means 219, and the like.

The personal authentication unit 210 acquires a customer identifier from the user terminal 10 and executes a process for specifying the customer.
The member solicitation processing unit 211 executes processing for prompting member registration for a customer who has not performed member registration.

The privilege preferential management unit 212 specifies a shortage condition among the preferential application conditions for the privilege preferential treatment, and executes a process for prompting a new transaction.
The deficient condition management means 213 executes processing for determining the priority order for deficient conditions presented to the customer.

  The point management unit 214 specifies a shortage condition among the preferential application conditions for the point preferential treatment, and executes a process for prompting a new transaction. Furthermore, the point management means 214 holds a point conversion table in which the transaction amount of each transaction type is associated with the number of points provided in this transaction. Furthermore, the point management means 214 holds data relating to a period (future date) for performing point accumulation prediction in the point display process.

The preferential treatment continuation management means 215 specifies a shortage condition necessary for continuing point preferential treatment, and executes a process for prompting a new transaction.
The transaction processing means 219 executes transaction request processing using the host system 30.

  In the customer management data storage unit 22, as shown in FIG. 2A, a customer management record 220 for a customer who uses the banking service is recorded. The customer management record 220 is registered by an application for use of the net banking service from a customer of a financial institution. The customer management record 220 includes data related to a customer identifier, a password, an account identifier, and a member flag.

In the customer identifier data area, data relating to an identifier for identifying a customer who uses the banking service is recorded.
In the password data area, data related to a password used to authenticate the person who uses the banking service is recorded.

In the account identifier data area, data relating to identifiers (branch name code, deposit type code, account number) for specifying a deposit account held by the customer as a holder is recorded.
In the member flag data area, a flag (member flag) for identifying whether the customer is a member who can receive preferential treatment is recorded.

The member management data storage unit 23 functions as a point information storage unit. In the member management data storage unit 23, as shown in FIG. 2B, a member management record 230 for a customer who can receive preferential treatment is recorded. This member management record 230 is registered by a member registration application from a user of the net banking service, and is updated and recorded when points are acquired or used. The member management record 230 includes data relating to a customer identifier, a privilege preferential flag, and a point balance. Furthermore, the member management record 230
It includes a history acquired for each point and a history used (point accumulation history). This point accumulation history includes data related to point acquisition / use date, transaction type, and number of points.

In the customer identifier data area, data relating to an identifier for identifying a customer who is a preferential member is recorded.
In the privilege preferential flag data area, data relating to a flag for identifying a customer who can receive privilege preferential treatment among preferential members is recorded. In the present embodiment, the privilege preferential management unit 212 resets the privilege preferential flag periodically (for example, at the end of every month), confirms the transaction status recorded in the transaction history data storage unit 33, and satisfies the preferential application condition. If you do, reset the privilege preferential flag.

In the point balance data area, data relating to the cumulative value (cumulative point number) of the number of points acquired by the member by each transaction process is recorded.
In the point acquisition / use date data area, data relating to the acquisition and use of each point is recorded.

In the transaction type data area, the transaction type in which each point has occurred and data for specifying the transaction type using the point are recorded.
In the point number data area, data related to the number of points acquired and used is recorded.

  The preferential condition data storage unit 24 functions as preferential information storage means. In the preferential condition data storage unit 24, as shown in FIG. 2C, a preferential condition record 240 for providing preferential treatment to the customer is recorded. This preferential condition record 240 is recorded when preferential treatment provided to a customer is determined and registered. The preferential treatment condition record 240 includes preferential treatment type identifiers, preferential treatment transaction types, preferential treatment contents, preferential treatment application conditions, priority order initial values, and data regarding alternative conditions.

In the preferential type identifier data area, data relating to an identifier for specifying each preferential treatment provided to the customer is recorded.
In the preferential transaction type data area, data relating to the preferential transaction type is recorded.

  In the preferential content data area, data for setting transaction conditions to which preferential treatment is applied is recorded. In the present embodiment, in the privilege preferential treatment, for example, preferential treatment such as “exemption from transfer fee” is provided. On the other hand, in the point preferential treatment, for example, preferential treatment such as “preferential interest rate of loan or time deposit for a predetermined period (preferential treatment period)” or “discount of foreign currency exchange fee”) is provided.

  In the preferential application condition data area, data related to conditions (logic) for providing this preferential treatment is recorded. In the present embodiment, in the privilege preferential treatment, for example, the transaction status such as “use of own credit card” or “use of mortgage” is recorded as preferential application conditions. In the point preferential treatment, the number of points required for preferential treatment is recorded as the preferential treatment application condition.

In the priority order initial value data area, data relating to the initial value of the order in the case where the shortage condition is presented to the customer is recorded.
In the alternative condition data area, data relating to conditions for specifying the contents of a transaction that is being performed instead of a transaction that is a preferential application condition when the preferential application condition is not satisfied is recorded. In the present embodiment, the transaction details performed instead of the transaction of the preferential application condition are recorded as an alternative condition. For example, for the preferential application condition “use of own credit card”, “other company's credit card” is recorded. Is set.

  In the preferential treatment application history data storage unit 25, as shown in FIG. 2 (d), a preferential treatment application history record 250 relating to a history in which a customer uses preferential treatment is recorded. This preferential application history record 250 is recorded when a customer uses preferential treatment. The preferential application history record 250 includes data relating to a customer identifier, an application date, and a preferential type identifier.

In the customer identifier data area, data relating to an identifier for identifying a customer who uses preferential treatment is recorded.
In the application date data area, data related to the preferential treatment date is recorded.
In the preferential treatment type identifier data area, data relating to an identifier for specifying the preferential treatment used by the customer is recorded.

  Next, the process procedure of the transaction promotion management method performed using said system is demonstrated. Here, description will be made in the order of normal transaction processing, member handling processing, insufficient condition rearrangement processing, point display processing, preferential continuation confirmation processing, and transaction screen processing.

(Normal transaction processing)
First, normal transaction processing will be described with reference to FIG.
The control unit 21 of the service management server 20 executes an access response process (step S1-1). Specifically, the personal authentication unit 210 of the control unit 21 receives access from the user terminal 10. In this case, the personal authentication means 210 transmits personal authentication screen data to the user terminal 10. This personal authentication screen is provided with input fields for a customer identifier and a password.

  Next, the control part 21 of the service management server 20 performs a personal authentication process (step S1-2). Specifically, the personal authentication unit 210 of the control unit 21 acquires data relating to the customer identifier and password input on the personal authentication screen. If the customer identifier and password acquired from the user terminal 10 are not registered in the customer management data storage unit 22, the personal authentication means 210 notifies the user terminal 10 to that effect and rejects the transaction.

  On the other hand, when the personal authentication is completed, the control unit 21 of the service management server 20 executes a determination process as to whether or not the customer is registered as a member (step S1-3). Specifically, the personal authentication unit 210 of the control unit 21 determines whether or not a member flag is recorded in the customer management record 220.

  When the member flag is recorded and registered as a member (in the case of “YES” in Step S1-3), the control unit 21 of the service management server 20 executes a member handling process described later (Step S1-3). S1-4).

  On the other hand, when the member flag is not recorded and registered as a member (in the case of “NO” in step S1-3), the control unit 21 of the service management server 20 acquires the transaction history of the customer. Processing is executed (step S1-5). Specifically, the member solicitation processing unit 211 of the control unit 21 acquires a transaction history record for a predetermined period (search target period) from the transaction history data storage unit 33 of the host system 30.

  And the control part 21 of the service management server 20 performs the determination process about whether there exists the transaction performance of a preferential treatment object (step S1-6). Specifically, the member solicitation processing unit 211 of the control unit 21 compares the transaction type in the transaction history recorded in the acquired transaction history record with the preferential treatment transaction type recorded in the preferential condition data storage unit 24. Then, the presence or absence of the transaction result of preferential treatment is determined.

  When the transaction history of the preferential transaction is included in the customer transaction history (in the case of “YES” in step S1-6), the control unit 21 of the service management server 20 specifies the preferential content corresponding to the transaction history. Processing is executed (step S1-7). Specifically, the member solicitation processing unit 211 of the control unit 21 acquires data relating to the preferential content of the preferential transaction type specified in the preferential condition data storage unit 24.

  Next, the control unit 21 of the service management server 20 executes a recommended display process for member registration (step S1-8). Specifically, the member solicitation processing unit 211 of the control unit 21 acquires the preferential application condition recorded in the preferential condition record 240 and generates member registration recommendation screen data including a display regarding the preferential content and the preferential application condition. . The member registration recommendation screen further includes an icon for selecting whether or not the member registration is desired. Then, the member invitation processing means 211 transmits this member registration recommendation screen data to the user terminal 10.

  Here, when an icon for member registration is selected on the user terminal 10, the control unit 21 of the service management server 20 acquires member registration request data from the user terminal 10. In this case (in the case of “YES” in step S1-9), the control unit 21 of the service management server 20 executes a member registration process (step S1-10). Specifically, the member invitation processing means 211 of the control unit 21 transmits registration setting screen data for performing member registration to the user terminal 10. Based on the information input on the registration setting screen, a member management record 230 is generated and recorded in the member management data storage unit 23. In this case, the member solicitation processing unit 211 compares the transaction results with the preferential application condition, and records the special preferential flag in the member management record 230 when the preferential application condition of the preferential treatment is satisfied. Further, the member solicitation processing unit 211 sets a member flag in the customer management record 220 of the customer.

  On the other hand, when the transaction history does not include the transaction record of the preferential transaction (in the case of “NO” in step S1-6), or there is no desire for membership registration (in the case of “NO” in step S1-9). And the control part 21 of the service management server 20 performs the provision process of a normal transaction screen (step S1-11). Specifically, the member invitation processing unit 211 of the control unit 21 takes over the processing to the transaction processing unit 219. Then, the transaction processing means 219 transmits normal transaction screen data for non-members to the user terminal 10 and obtains a customer transaction request via this normal transaction screen.

(Member handling)
Next, the member correspondence process will be described with reference to FIG.
Here, the control part 21 of the service management server 20 performs the determination process about whether it is a target member of privilege preferential treatment (step S2-1). Specifically, the privilege preferential management unit 212 of the control unit 21 confirms whether or not a privilege preferential flag is recorded in the member management record 230.

  In the case where the privilege preferential flag is not recorded in the member management record 230 and the member is not the target member of the privilege preferential treatment (in the case of “NO” in step S2-1), the control unit 21 of the service management server 20 Transaction history acquisition processing is executed (step S2-2). Specifically, the privilege preferential management unit 212 of the control unit 21 acquires a transaction history record for a predetermined period (search target period) from the transaction history data storage unit 33 of the host system 30.

And the control part 21 of the service management server 20 performs the determination process about whether there exists a transaction performance of privilege preferential treatment object (step S2-3). Specifically, the privilege preferential management unit 212 of the control unit 21 compares the transaction type in the transaction history acquired from the transaction history data storage unit 33 with the preferential treatment transaction type recorded in the preferential condition data storage unit 24. Then, the presence / absence of the transaction results of the privilege preferential treatment is determined.

  When the transaction result of the preferential treatment transaction is included (in the case of “YES” in step S2-3), the control unit 21 of the service management server 20 executes a specifying process of the insufficient condition for receiving the preferential treatment ( Step S2-4). Specifically, the privilege preferential management means 212 of the control unit 21 acquires the preferential treatment application condition from the preferential treatment condition record 240 that does not use the privilege preferential treatment. And the privilege preferential management means 212 extracts the preferential application condition (insufficient condition) which is lacking in this customer's transaction history.

Next, as will be described later, the control unit 21 of the service management server 20 executes a rearrangement process for the shortage condition (step S2-5).
And the control part 21 of the service management server 20 performs the display process of a privilege guidance screen (step S2-6). Specifically, the privilege preferential management unit 212 of the control unit 21 generates privilege guidance screen data including a display about the rearranged shortage conditions, and transmits the privilege guidance screen data to the user terminal 10.

  Further, the control unit 21 of the service management server 20 executes menu screen display processing (step S2-7). Specifically, the privilege preferential management unit 212 of the control unit 21 transmits menu screen data to the user terminal 10. This menu screen includes a transaction icon and a point confirmation icon. Note that the processing in step S2-7 is executed in the same manner even when “YES” in step S2-1 and “NO” in step S2-3.

  When a transaction icon is selected on this menu screen, the control unit 21 of the service management server 20 executes a member transaction screen display process (step S2-8). Specifically, the privilege preferential management unit 212 of the control unit 21 takes over the processing to the transaction processing unit 219. Then, the transaction processing means 219 transmits member transaction screen data for the member to the user terminal 10.

  On the other hand, when the point confirmation icon is selected, the control unit 21 of the service management server 20 executes a point confirmation screen display process (step S2-9). Specifically, the privilege preferential management unit 212 of the control unit 21 stores the point balance and point accumulation history (point acquisition date / use date, point acquisition target transaction type and number of points) recorded in the customer member management record 230. To get. Then, point confirmation screen data including the display of the point balance and the point accumulation history is generated and transmitted to the user terminal 10.

(Rearrangement processing of insufficient conditions)
Next, the rearrangement condition rearrangement process will be described with reference to FIG.
Here, first, the control unit 21 of the service management server 20 executes an acquisition process of an initial value of priority (step S3-1). Specifically, the shortage condition management means 213 of the control unit 21 arranges the preferential application conditions recorded in the preferential condition record 240 of the preferential condition data storage unit 24 in the order of the priority order initial values.

Then, the control unit 21 of the service management server 20 executes the following process for each alternative condition recorded in the preferential condition data storage unit 24.
First, the control part 21 of the service management server 20 performs the collation process with this customer's transaction history and alternative conditions (step S3-2). Specifically, the shortage condition management means 213 of the control unit 21 acquires the alternative condition recorded in the preferential condition record 240 and compares it with the transaction type included in the transaction history of the customer.

In the transaction history, when there is a transaction record that matches the alternative condition (in the case of “YES” in step S3-3), the control unit 21 of the service management server 20 executes an advance process of the insufficient condition corresponding to the alternative condition. (Step S3-4).

  For example, if “substitution transfer payment is included in transaction history” is set as an alternative condition, the shortage condition management means 213 of the control unit 21 accesses the account management data storage unit 32 to access this customer The transaction history is acquired, and it is determined whether or not the utility charge storage company is included in the transfer destination of the transaction history. Then, when the transaction history includes the utility fee payment result, the shortage condition management means 213 of the control unit 21 moves up the rank of the shortage condition “reduction of public bill”.

  Further, when “deposit balance is always equal to or more than the fixed deposit amount” is set as an alternative condition, the shortage condition management unit 213 of the control unit 21 accesses the account management data storage unit 32 of the host system 30 and The balance history of the customer is acquired, and the balance history is compared with the fixed deposit amount. When the deposit balance is always more than the fixed deposit amount, the shortage condition management means 213 of the control unit 21 raises the priority of the shortage condition “set fixed deposit”.

  When “use of other company's credit” is set as an alternative condition, the shortage condition managing means 213 of the control unit 21 determines whether or not the withdrawal history of the other company's credit company is included in the transaction history of the customer. Determine. Then, when a withdrawal result for a credit company of another company is included, the shortage condition management means 213 of the control unit 21 raises the priority of the shortage condition “use of own credit”.

  On the other hand, when there is no transaction record that matches the alternative condition (in the case of “NO” in step S3-3), the control unit 21 of the service management server 20 executes processing for the next alternative condition. Then repeat for all alternative conditions.

(Point display processing)
Next, point display processing will be described with reference to FIG.
Here, first, the control unit 21 of the service management server 20 executes a point accumulation history acquisition process (step S4-1). Specifically, the point management unit 214 of the control unit 21 acquires the point accumulation history of the member management record 230 from the member management data storage unit 23.

  Next, the control unit 21 of the service management server 20 executes a point accumulation prediction process (step S4-2). Specifically, the point management means 214 of the control unit 21 adds or subtracts the number of points in the point accumulation history with respect to the point acquisition / use date, and calculates the point balance for each date. Then, the point management unit 214 creates a graph with the horizontal axis as the date and the vertical axis as the point balance. Further, the point management unit 214 calculates a primary regression line for the point balance with respect to the date, and calculates a point acquisition pattern. Then, the point management unit 214 calculates the point balance (point accumulation prediction) of the future date by extending the primary regression line to the future date held in advance.

Next, the control unit 21 of the service management server 20 executes a preferential content specifying process according to the point accumulation status (step S4-3). Specifically, the point management unit 214 of the control unit 21 acquires the preferential content with high availability from the preferential condition data storage unit 24 using the point balance corresponding to the point accumulation prediction. Here, the following preferential content is specified as a preferential treatment candidate having a preferential application condition with a required number of points smaller than the number of points specified based on the point acquisition prediction.
・ Preferential content that can be used in the point balance on the future date held in advance.
-Preferential content with the next highest required points against the point balance on the future date held in advance.

  And the control part 21 of the service management server 20 performs the time chart display process of preferential content (step S4-4). Specifically, the point management unit 214 of the control unit 21 generates graph display screen data including the point accumulation history, the point accumulation prediction, and the preferential content. Then, the point management unit 214 transmits the generated graph display screen data to the user terminal 10.

A display 500 shown in FIG. 6B is output to the display of the user terminal 10 that has received the graph display screen data. The display 500 includes a point accumulation history display 501, a point accumulation prediction display 502, and a preferential content display 503. The point accumulation history display 501 displays the actual value (plot) of the point accumulation history acquired in step S4-1. The solid line in the point accumulation history display 501 is a primary regression line. The point accumulation prediction display 502 displays a line (broken line) obtained by extending the primary regression line predicted to accumulate points in step S4-2. In the preferential content display 503, the preferential content specified in step S4-3 is displayed.
Next, the control part 21 of the service management server 20 performs the preferential treatment confirmation process mentioned later (step S4-5).

(Preferential treatment confirmation process)
Next, the preferential treatment confirmation process will be described with reference to FIG. In this case, if you have received a "Transfer fee discount for a specified period", "Loan interest rate preferential treatment for a predetermined period", or "Time deposit interest rate preferential treatment" (point preferential treatment) by contributing points Suppose.

  Here, the control part 21 of the service management server 20 performs the search process of the transaction log | history of a preferential treatment object (step S5-1). Specifically, the preferential treatment continuation management unit 215 of the control unit 21 acquires the preferential application history record 250 of the customer from the preferential application history data storage unit 25.

  And the control part 21 of the service management server 20 performs the determination process about whether there exists ongoing preferential treatment (step S5-2). Specifically, the preferential treatment continuation management means 215 of the control unit 21 searches for the presence or absence of transactions that continuously use point preferential treatment. For example, if the interest rate preferential treatment is given to a loan or a time deposit by contributing points, it is determined that there is an ongoing preferential treatment. In addition, by contributing points, it is determined that there is ongoing preferential treatment even when fee preferential treatment is used regularly. Here, if there is no ongoing preferential treatment (in the case of “NO” in step S5-2), the preferential treatment continuation confirmation process is terminated.

  When there is an ongoing preferential treatment (in the case of “YES” in step S5-2), the control unit 21 of the service management server 20 executes a determination process as to whether or not preferential treatment can be continued (step S5-3). Specifically, the preferential treatment continuation management unit 215 of the control unit 21 predicts the next date (point expenditure prediction date) to use points for preferential treatment using the preferential treatment application history record 250. And the point balance (point accumulation prediction) of this point expenditure prediction date is compared with the number of points for using this point preferential treatment. Here, when the preferential treatment can be continued (in the case of “YES” in step S5-3), the preferential treatment continuation confirmation process is ended.

If the point balance of the future date is lower than the number of points for continuing to use the preferential treatment system and preferential treatment cannot be continued (in the case of “NO” in step S5-3), the control unit 21 of the service management server 20 , Send preferential application continuation hope confirmation screen data. (Step S5-4). Specifically, the preferential treatment continuation management unit 215 of the control unit 21 transmits preferential application continuation hope confirmation screen data including an icon for selecting presence / absence of preferential treatment to the user terminal 10. Here, when the data of the desire to continue “none” is acquired (in the case of “NO” in step S5-5), the preferential continuation confirmation process is terminated.

  Here, when the data of “continuation request” “present” input on the preferential application continuation request confirmation screen is acquired from the user terminal 10 (in the case of “YES” in step S5-5), the control unit of the service management server 20 21 performs the calculation process of the number of insufficient points when continuing preferential treatment (step S5-6). Specifically, the preferential treatment management unit 215 of the control unit 21 calculates the difference between the point accumulation prediction and the number of points for continuing the preferential treatment.

  And the control part 21 of the service management server 20 performs the presentation process of the accumulation | storage method of a shortage point number (step S5-7). Specifically, the preferential treatment continuation management unit 215 of the control unit 21 calculates the transaction type and amount (converted transaction amount) necessary to accumulate the difference in the number of points using the point conversion table. Then, the preferential continuation management unit 215 transmits screen data for displaying the transaction type and the converted transaction amount to the user terminal 10.

(Transaction screen processing)
Next, transaction screen processing will be described with reference to FIG. This process is executed using the transaction screen displayed in steps S1-11 and S2-8.

  Here, first, the control unit 21 of the service management server 20 executes transaction content identification processing on the transaction screen (step S6-1). Specifically, the transaction processing means 219 of the control unit 21 acquires data relating to the transaction type of the transaction request input on the transaction screen.

  The control unit 21 of the service management server 20 executes a determination process as to whether the transaction is a preferential transaction (step S6-2). Specifically, the transaction processing means 219 of the control unit 21 determines whether or not the preferential condition data storage unit 24 is registered as the preferential treatment target transaction type.

  When the transaction is a preferential transaction (“YES” in step S6-2), the control unit 21 of the service management server 20 executes a determination process as to whether or not point contribution is necessary for preferential application (step S6-2). S6-3). Specifically, the transaction processing means 219 of the control unit 21 determines whether or not the necessary point number is recorded as the preferential application condition in the preferential treatment condition data storage unit 24.

  When it is a target of privilege preferential treatment that does not require point contribution for preferential treatment application (in the case of “NO” in step S6-3), the control unit 21 of the service management server 20 determines whether or not the privilege preferential treatment is applicable. Processing is executed (step S6-4). Specifically, the transaction processing means 219 of the control unit 21 determines whether or not the privilege preferential treatment can be applied depending on the presence or absence of the privilege preferential flag of the member management record 230 when the member flag is recorded in the customer management record 220 of the customer. Determine. If the member flag is not recorded in the customer management record 220 of the customer, it is determined that the privilege preferential application is not possible.

Here, if the customer is registered as a member and the privilege preferential treatment can be applied (in the case of “YES” in step S6-4), the control unit 21 of the service management server 20 executes the preferential treatment application processing. (Step S6-11). Specifically, the transaction processing means 219 of the control unit 21 generates a preferential application history record 250 including a customer identifier, a current date (application date), and a preferential type identifier, and records it in the preferential application history data storage unit 25. . And the transaction processing means 219 sets the transaction conditions to which the preferential content is applied.

  On the other hand, when the privilege preferential treatment is not applicable (in the case of “NO” in step S6-4), the control unit 21 of the service management server 20 executes the deficient condition specifying process (step S6-5). Specifically, the transaction processing unit 219 of the control unit 21 takes over the processing to the privilege preferential management unit 212. Then, the privilege preferential management unit 212 acquires preferential application conditions from the preferential condition record 240 for the preferential transaction type of the transaction request. And the privilege preferential management means 212 extracts the preferential application condition (insufficient condition) which is lacking in this customer's transaction history.

Next, the control unit 21 of the service management server 20 executes the rearrangement process (FIG. 5) for the insufficient condition described above (step S6-6).
And the control part 21 of the service management server 20 performs the display process of a privilege guidance screen (step S6-7). Specifically, the privilege preferential management unit 212 of the control unit 21 generates privilege guidance screen data including a display about the rearranged shortage conditions, and transmits the privilege guidance screen data to the user terminal 10.

  In addition, if the point preferential treatment is necessary for the preferential application (in the case of “YES” in step S6-3), the control unit 21 of the service management server 20 determines whether or not the point balance is sufficient. A determination process is executed (step S6-8). Specifically, the transaction processing means 219 of the control unit 21 acquires the necessary number of points recorded in the preferential application condition of the preferential condition data storage unit 24. Then, the transaction processing means 219 acquires the point balance recorded in the member management data storage unit 23, and compares the required number of points with the point balance.

  When the point balance is sufficient (in the case of “YES” in step S6-8), the control unit 21 of the service management server 20 executes an acquisition process for the presence / absence of preferential application (step S6-9). Specifically, the transaction processing means 219 of the control unit 21 transmits preferential application desire confirmation screen data to the user terminal 10. The preferential application request confirmation screen includes an icon for selecting whether or not preferential application is desired.

  Here, when the data of the application request “Yes” input on the preferential application request confirmation screen is acquired from the user terminal 10 (“YES” in step S6-10), the control unit 21 of the service management server 20 Performs preferential treatment application processing (step S6-11). Specifically, the transaction processing means 219 of the control unit 21 subtracts the necessary number of points from the point balance recorded in the member management data storage unit 23 and updates the point accumulation history. Further, the transaction processing means 219 generates the preferential application history record 250 as described above and records it in the preferential application history data storage unit 25. And the transaction processing means 219 sets the transaction conditions to which the preferential content is applied.

  On the other hand, when the point balance is not sufficient (in the case of “NO” in step S6-8), the control unit 21 of the service management server 20 executes a calculation process of the number of insufficient points (step S6-12). Specifically, the transaction processing unit 219 of the control unit 21 takes over the process to the preferential treatment management unit 215. And the preferential treatment continuation management means 215 calculates the difference between the preferential treatment application condition (the number of necessary points) and the point balance.

Then, the control unit 21 of the service management server 20 executes a shortage point accumulation method presentation process (step S6-13). Specifically, the preferential treatment continuation management unit 215 of the control unit 21 calculates the transaction type and amount (converted transaction amount) necessary to accumulate the difference in the number of points using the point conversion table. Then, the preferential continuation management unit 215 transmits screen data for displaying the transaction type and the converted transaction amount to the user terminal 10.

  And the control part 21 of the service management server 20 performs a transaction request process (step S6-14). Here, when the transaction is not a preferential transaction (in the case of “NO” in step S6-2), the data of “None” for applying preferential treatment is obtained from the user terminal 10 (in the case of “NO” in step S6-10) ) When the shortage point accumulation method presentation process (step S6-13) is executed, the transaction request process is executed under normal transaction conditions. On the other hand, when the preferential treatment application process (step S6-11) is executed, the customer transaction request process is executed with the host system 30 under the transaction conditions to which the preferential treatment is applied.

According to this embodiment, the following effects can be obtained.
In the present embodiment, when the customer is not registered as a member (in the case of “NO” in step S1-3), the control unit 21 of the service management server 20 executes a transaction history acquisition process for the customer. (Step S1-5). When the transaction history of the preferential transaction is included in the transaction history of the customer (in the case of “YES” in step S1-6), the control unit 21 of the service management server 20 identifies the preferential content corresponding to the transaction history. (Step S1-7), member registration recommendation display processing is executed (Step S1-8). As a result, it is possible to recommend member registration that can receive preferential treatment for customers who have not been registered. And this preferential treatment can be used to promote transactions.

  In the present embodiment, when the privilege preferential flag is not recorded in the member management record 230 and the member is not a target member of the privilege preferential treatment (in the case of “NO” in step S2-1), the control unit of the service management server 20 21 executes a process for acquiring a user's transaction history (step S2-2). When the transaction result of the preferential treatment transaction is included (in the case of “YES” in step S2-3), the control unit 21 of the service management server 20 executes a specifying process of the insufficient condition for receiving the preferential treatment ( Step S2-4). And the control part 21 of the service management server 20 performs the display process of the privilege guidance screen including the display about insufficient conditions (step S2-6). Thereby, the transaction for receiving privilege preferential treatment for the member can be promoted.

  -In this embodiment, the control part 21 of the service management server 20 performs the rearrangement process of an insufficient condition (step S2-5, step S6-6). Here, the control unit 21 of the service management server 20 collates the transaction history of the customer with the alternative condition (step S3-2), and if there is a transaction record that matches the alternative condition ("YES" in step S3-3). ”), An insufficient condition carry-over process corresponding to the alternative condition is executed (step S3-4). Thereby, for the customer, what is necessary is just to change the transaction content (substitute transaction) so far to a transaction with preferential application conditions, and the transaction can be promoted relatively easily.

  In the present embodiment, the control unit 21 of the service management server 20 acquires a point accumulation history (step S4-1), and executes a point accumulation prediction process (step S4-2). Further, the control unit 21 of the service management server 20 identifies the preferential content that can be received according to the point accumulation status (step S4-3), and executes the preferential content time chart display process (step S4-4). . As a result, the customer can grasp the point acquisition status and usage status, and can predict the future.

-In this embodiment, the control part 21 of the service management server 20 performs the search process of the transaction history of preferential treatment object (step S5-1). If there is ongoing preferential treatment (in the case of “YES” in step S5-2), the control unit 21 of the service management server 20 executes a determination process as to whether or not preferential treatment can be continued (step S5-3). ). Here, when the point balance of the future date becomes lower than the number of points for continuing to use the preferential treatment system and preferential treatment cannot be continued (in the case of “NO” in step S5-3), control of the service management server 20 The unit 21 transmits the preferential application continuation desire confirmation screen data. (Step S5-4). Thereby, it is possible to alert a customer who wishes to continue preferential treatment.

  And when the data of "continuation hope" "present" input on the preferential application continuation hope confirmation screen is acquired (in the case of "YES" in step S5-5), the control unit 21 of the service management server 20 continues the preferential treatment. In this case, the number of insufficient points is calculated (step S5-6), and the presenting method of the accumulation method of the insufficient points is executed (step S5-7). As a result, new transactions can be promoted to customers who wish to continue preferential treatment.

  In the present embodiment, in the transaction screen processing, when the preferential treatment is applied for preferential treatment, the point preferential treatment is not necessary (in the case of “NO” in step S6-3), and the special preferential treatment is not applicable (step In the case of “NO” in S6-4, the control unit 21 of the service management server 20 executes a deficient condition specifying process (step S6-5). And the control part 21 of the service management server 20 performs the rearrangement process (step S6-6) of a shortage condition, and the display process of a privilege guidance screen (step S6-7).

  In addition, if the point preferential treatment is necessary for the preferential application (in the case of “YES” in step S6-3), the control unit 21 of the service management server 20 determines whether or not the point balance is sufficient. A determination process is executed (step S6-8). If the point balance is not sufficient (in the case of “NO” in step S6-8), the control unit 21 of the service management server 20 calculates the shortage point count process (step S6-12), and the shortage point accumulation method. A presentation process is executed (step S6-13). Thereby, even in a new transaction scene, it is possible to introduce a preferential system and promote further transactions.

Moreover, you may change the said embodiment as follows.
In the above embodiment, the privilege preferential treatment and the point preferential treatment are provided, but either one may be provided.

  In the above-described embodiment, the preferential condition data storage unit 24 records the preferential condition record 240 for providing preferential treatment to the customer. Here, as this preferential condition, it is also possible to provide a limited time campaign system. Specifically, data relating to the campaign period is recorded in the preferential condition record 240, and preferential conditions (campaign conditions) different from the normal period are set in this period. Then, in the rearrangement process (FIG. 5), the control unit 21 of the service management server 20 acquires the current date and time from the system timer, and uses the campaign condition when the current date and time are included in the campaign period. Rearrange the shortage conditions. Thereby, promotion of member registration and promotion can be aimed at by a campaign.

  In the above-described embodiment, the processing for a customer who is not registered as a member and the processing for a customer who is registered as a member have been described. However, a preferential system provided to either one may be used.

  In the above embodiment, a mobile phone terminal or a computer terminal is used as a user terminal. However, the present invention is not limited to this, and an automatic teller machine installed in a store of a financial institution can also be used.

In the above embodiment, the control unit 21 of the service management server 20 acquires a point accumulation history (step S4-1), and executes a point accumulation prediction process (step S4-2). In this case, a linear regression line for the point balance with respect to the future date is calculated. Then, the graph display screen data including the point accumulation history display 501, the point accumulation prediction display 502, and the preferential content display 503 is transmitted to the user terminal 10. Alternatively, the point acquisition history and the point use history can be calculated separately to predict the point balance for the future date. This process is shown in FIG.

  First, the control unit 21 of the service management server 20 executes a point accumulation history acquisition process (step S7-1). Specifically, as in step S 4-1, the point management unit 214 of the control unit 21 acquires the point accumulation history from the member management data storage unit 23.

  Next, the control part 21 of the service management server 20 performs a point acquisition prediction process (step S7-2). Specifically, the point management unit 214 of the control unit 21 uses the member management record 230 recorded in the member management data storage unit 23 to extract a history of acquiring points during a predetermined period. Next, the point management unit 214 creates a time chart of the accumulated point acquisition amount by adding the acquired number of points using the point acquisition history. Then, the point management unit 214 performs a primary regression on the accumulated point acquisition amount. Then, the point management means 214 extends the primary regression line from the current point balance to the future date and predicts the maximum point balance due to point acquisition.

  Next, the control part 21 of the service management server 20 performs a point use prediction process for every preferential treatment (step S7-3). Specifically, the point management means 214 of the control unit 21 uses the member management record 230 recorded in the member management data storage unit 23 to set the number of points to receive preferential treatment for each transaction type for a predetermined period. Extract used history. Next, the point management means 214 creates a time chart of the accumulated point use amount obtained by adding the number of used points using the point use history for each transaction type. Then, the point management means 214 performs linear regression on the accumulated point usage for each preferential treatment. Then, the point management means 214 extends the primary regression line to the future date from the current point balance, and predicts the accumulated point usage amount for each preferential treatment.

  Next, the control unit 21 of the service management server 20 executes a point accumulation prediction process (step S7-4). Specifically, the point management means 214 of the control unit 21 adds the point accumulation amount obtained by adding the maximum point balance prediction calculated in step S7-2 and the used point accumulated amount prediction for each preferential treatment calculated in step S7-3. Predict.

  Next, the control part 21 of the service management server 20 performs a time chart display process (step S7-5). Specifically, the point management unit 214 of the control unit 21 generates graph display screen data including the point accumulation history, the point accumulation prediction, and the preferential content. Then, the point management unit 214 transmits the generated graph display screen data to the user terminal 10.

  A display 510 shown in FIG. 10A is output to the display of the user terminal 10 that has received the graph display screen data. The display 510 includes a point accumulation history display 511, a point accumulation prediction display 512, and a preferential selection display 513. The point accumulation history display 511 displays the actual value (plot) of the point accumulation history acquired in step S7-1. The point accumulation prediction display 512 displays the primary regression line (arrow) of the point accumulation prediction calculated in step S7-4.

The preferential selection display 513 displays preferential contents that have been used in the member management record 230. In each preferential treatment, a check box for selecting a preferential treatment desired to be used is displayed. Further, the display 510 includes an end button for ending the display process. Check box in preferential selection display 513,
When the preferential treatment desired to be used is changed, the user terminal 10 transmits a change instruction including the selected preferential transaction type to the service management server 20. On the other hand, when the end button is selected, the user terminal 10 transmits a display end instruction to the service management server 20.

Here, when the display end instruction is received (in the case of “end” in step S7-6), the control unit 21 of the service management server 20 ends the point display process.
On the other hand, when a change instruction has been received (in the case of “change” in step S7-6), the control unit 21 of the service management server 20 executes a summation process for predicting the usage point accumulated amount regarding the preferential treatment desired to be used (step S7-6). S7-7). Specifically, the point management unit 214 of the control unit 21 adds the predictions about the selected preferential use point accumulated amount.

  Then, the control unit 21 of the service management server 20 executes a point accumulation prediction recalculation process (step S7-8). Specifically, the point management means 214 of the control unit 21 subtracts the used point cumulative amount prediction added in step S7-7 from the maximum point balance prediction.

  And the control part 21 of the service management server 20 performs a time chart display process (step S7-5). Specifically, the point management unit 214 of the control unit 21 again generates graph display screen data including the point accumulation history, the point accumulation prediction, and the preferential content. Then, the point management unit 214 transmits the generated graph display screen data to the user terminal 10. Here, when the selection buttons for all the preferential treatments are removed, points are used on the display of the user terminal 10 that has received the graph display screen data as shown in the display 520 in FIG. The primary regression line (arrow) of the maximum point balance accumulated without displaying is displayed. On the other hand, when some preferential treatments are selected, as shown in the display 530 of FIG. 10C, a primary regression line when all preferential treatments are used and a primary regression line when all preferential treatments are not used. A linear regression line is displayed in the middle area.

  As a result, the preferential treatment to be used can be selected and the simulation can be performed.

The system schematic of embodiment of this invention. It is explanatory drawing of the data recorded on each data storage part, (a) is the data recorded on the customer management data storage part, (b) is the data recorded on the member management data storage part, (c) is (D) is an explanatory diagram of data recorded in the preferential application history data storage unit. The flowchart of the process sequence of embodiment of this invention. The flowchart of the process sequence of embodiment of this invention. The flowchart of the process sequence of embodiment of this invention. It is explanatory drawing of the point display process of embodiment of this invention, Comprising: (a) is a flowchart of a processing procedure, (b) is explanatory drawing of a graph display screen. The flowchart of the process sequence of embodiment of this invention. The flowchart of the process sequence of embodiment of this invention. The flowchart of the process sequence of other embodiment. It is explanatory drawing of the graph display screen of other embodiment, Comprising: (a) is a graph display screen when all preferential treatment is continued, (b) is a graph display screen when all preferential treatment is stopped, (c) Is a graph display screen when some preferential treatment is continued.

Explanation of symbols

DESCRIPTION OF SYMBOLS 10 ... User terminal, 20 ... Service management server, 21 ... Control part, 210 ... Personal authentication means, 211 ... Member solicitation processing means, 212 ... Special privilege management means, 213 ... Insufficient condition management means, 2
14 ... Point management means, 215 ... Preferential continuation management means, 219 ... Transaction processing means, 22 ... Customer management data storage section, 23 ... Member management data storage section, 24 ... Preferential condition data storage section, 25 ... Preferential application history data storage 30 ... Host system, 32 ... Account management data storage unit, 33 ... Transaction history data storage unit.

Claims (7)

Transaction information storage means for recording a transaction history including a transaction type identifier for each customer identifier,
Record preferential content, preferential application conditions for receiving preferential treatment, and alternative conditions for specifying the content of transactions that are conducted in place of transactions that are preferential application conditions for the transaction type identifiers Preferential information storage means,
A transaction promotion management system comprising a control means for communicating with a customer user terminal,
The control means is
Obtain a customer identifier from the user terminal that made the access,
Identify the transaction type identifier of the candidate for this customer,
Obtaining a transaction history associated with the customer identifier from the transaction information storage means;
Obtain preferential content and preferential application conditions for the transaction type identifier of the preferential treatment candidate from the preferential information storage means,
Compare the transaction history with the preferential application conditions, identify the preferential application conditions that are lacking as shortage conditions,
In the preferential information storage means, an alternative condition for a shortage condition is specified, the alternative condition and the transaction type identifier of the transaction history are collated, and the shortage condition corresponding to the alternative condition that matches the transaction type identifier of the transaction history A transaction promotion management system comprising means for outputting a guidance screen to the user terminal for prompting a new transaction for the shortage condition . The control means includes
Obtaining a transaction history associated with the customer identifier from the transaction information storage means;
The transaction type identifier of the transaction history and a transaction type identifier recorded in the preferential information storage unit are collated, and a matching transaction type identifier is specified as a preferential target candidate. Transaction promotion management system. The control means includes
From the user terminal, obtain the transaction type identifier entered by the customer,
The transaction type identifier acquired from the user terminal and the transaction type identifier recorded in the preferential information storage unit are collated, and the matching transaction type identifier is specified as a preferential target candidate. Or the transaction promotion management system of 2. For each customer identifier, further comprising a point information storage means for recording the number of points given according to the transaction,
In the preferential information storage means, the necessary number of points is recorded as a preferential application condition for receiving preferential treatment,
The control means is
From the difference between the number of points required for the preferential treatment candidate and the number of points recorded in the point information storage means, the number of shortage points is calculated as a shortage condition,
Transaction promotion management system according to any one of claims 1-3, characterized in that further comprising means for outputting a screen for prompting a new transaction required to meet the number of the missing points. In the point information storage means, a point accumulation history in which the date when the point is acquired is recorded,
The control means is
Calculate the point acquisition prediction by extending the point acquisition pattern in the point accumulation history to the future date,
Using the preferential information storage means, obtain a preferential treatment candidate with a preferential application condition that is less than the number of points specified on the basis of the point acquisition prediction,
The transaction promotion management system according to claim 4 , further comprising means for outputting the point acquisition prediction and the preferential treatment candidate to the user terminal. Transaction information storage means for recording a transaction history including a transaction type identifier for each customer identifier,
Record preferential content, preferential application conditions for receiving preferential treatment, and alternative conditions for specifying the content of transactions that are conducted in place of transactions that are preferential application conditions for the transaction type identifiers Preferential information storage means,
A method for managing transaction promotion using a transaction promotion management system comprising a control means for communicating with a customer user terminal,
The control means is
Obtain a customer identifier from the user terminal that made the access,
Identify the transaction type identifier of the candidate for this customer,
Obtaining a transaction history associated with the customer identifier from the transaction information storage means;
Obtain preferential content and preferential application conditions for the transaction type identifier of the preferential treatment candidate from the preferential information storage means,
Compare the transaction history with the preferential application conditions, identify the preferential application conditions that are lacking as shortage conditions,
In the preferential information storage means, an alternative condition for a shortage condition is specified, the alternative condition and the transaction type identifier of the transaction history are collated, and the shortage condition corresponding to the alternative condition that matches the transaction type identifier of the transaction history for a guidance screen that advancing the priority, the transaction accelerator management method characterized by performing the step of outputting a guidance screen prompting new transactions for the shortage condition to the user terminal. Transaction information storage means for recording a transaction history including a transaction type identifier for each customer identifier,
Record preferential content, preferential application conditions for receiving preferential treatment, and alternative conditions for specifying the content of transactions that are conducted in place of transactions that are preferential application conditions for the transaction type identifiers Preferential information storage means,
Using a transaction promotion management system equipped with a control means for communicating with a customer's user terminal,
A program for managing transaction promotion,
The control means;
Obtain a customer identifier from the user terminal that made the access,
Identify the transaction type identifier of the candidate for this customer,
Obtaining a transaction history associated with the customer identifier from the transaction information storage means;
Obtain preferential content and preferential application conditions for the transaction type identifier of the preferential treatment candidate from the preferential information storage means,
Compare the transaction history with the preferential application conditions, identify the preferential application conditions that are lacking as shortage conditions,
In the preferential information storage means, an alternative condition for a shortage condition is specified, the alternative condition and the transaction type identifier of the transaction history are collated, and the shortage condition corresponding to the alternative condition that matches the transaction type identifier of the transaction history A transaction promotion management program for causing a guidance screen for raising a priority for a new transaction for the shortage condition to function as a means for outputting to the user terminal.

Images