JP6564118B1 - Information processing apparatus, information processing method, and information processing program - Google Patents

Abstract

An information processing apparatus, an information processing method, and an information processing program capable of prompting a user to operate an asset are provided. An information processing apparatus includes a management unit that manages, for each user, a privilege that can be used for payment at a specific store, and an operation unit that operates the privilege managed by the management unit by replacing the investment product with an investment product. 32. [Selection] Figure 3

Description

  The present invention relates to an information processing apparatus, an information processing method, and an information processing program.

  2. Description of the Related Art Conventionally, there are operation systems in which points obtained by a user using a credit card are operated. In such an operation system, interest points are awarded according to the point operation period.

JP 2010-92281 A

  However, the above technique has room for improvement in terms of prompting the user to manage assets. That is, in the above-described conventional technique, such points cannot be used in the period in which the points are operated, and the liquidity of the points is lowered.

  The present application has been made in view of the above, and an object thereof is to provide an information processing apparatus, an information processing method, and an information processing program that can prompt a user to perform asset management.

  An information processing apparatus according to the present application includes a management unit and an operation unit. The said management part manages the privilege which can be utilized in payment in a specific store for every user. The operation unit operates the privilege managed by the management unit in place of an investment product.

  According to one aspect of the embodiment, it is possible to prompt the user to perform asset management.

FIG. 1 is a diagram illustrating an example of information processing according to the embodiment. FIG. 2 is a diagram illustrating a configuration example of the information processing system according to the embodiment. FIG. 3 is a diagram illustrating a configuration example of the information processing apparatus according to the embodiment. FIG. 4 is a diagram illustrating an example of a user information table according to the embodiment. FIG. 5 is a diagram illustrating an example of an asset information table according to the embodiment. FIG. 6 is a diagram illustrating a specific example of processing by the distribution unit. FIG. 7A is a diagram illustrating an example of a notification screen. FIG. 7B is a diagram illustrating an example of a screen showing a breakdown of assets. FIG. 7C is a diagram illustrating an example of a financial product selection screen. FIG. 7D is a diagram illustrating an example of a purchase screen. FIG. 8 is a flowchart illustrating a processing procedure executed by the information processing apparatus according to the embodiment. FIG. 9 is a hardware configuration diagram illustrating an example of a computer that realizes the functions of the information processing apparatus according to the embodiment.

  Hereinafter, an information processing apparatus, an information processing method, and an information processing program (hereinafter, referred to as “embodiment”) according to the present application will be described in detail with reference to the drawings. Note that the information processing apparatus, the information processing method, and the information processing program according to the present application are not limited by this embodiment. In the following embodiments, the same portions are denoted by the same reference numerals, and redundant description is omitted.

[1. Information processing)
First, an example of information processing performed by the information processing apparatus according to the embodiment will be described with reference to FIG. FIG. 1 is a diagram illustrating an example of information processing according to the embodiment.

  The information processing apparatus illustrated in FIG. 1 is a server that manages electronic money for each user. When the user performs electronic money payment at a store, the information processing apparatus performs a payment process that pays an amount corresponding to the payment amount to the store. That is, the information processing apparatus functions as a wallet for each user on the Internet.

  In addition, for payment using electronic money, it is common that benefits such as points are returned to the user. In addition, the privilege can be used at a specific store (hereinafter referred to as a member store).

  The information processing apparatus manages the privilege and promotes the asset management of the user by operating the privilege. Specifically, first, the information processing apparatus performs purchase processing for purchasing an investment product using a privilege (step S1).

  For example, the information processing apparatus can open an account for each user at a securities company and purchase investment products through such an account. Here, investment products are investment products that are not guaranteed in principal, such as stock certificates and investment trusts.

  Then, the information processing apparatus periodically notifies the user of assets as benefits that the user has (step S2). That is, when the value of the stock price or investment trust increases, the asset value as a privilege increases, and when the value of the stock price or investment trust decreases, the asset value as a privilege decreases.

  In addition, the information processing apparatus can notify the user of stock certificates or investment trust dividends held by the user in assets. In this way, the information processing apparatus can notify the user that the assets are increasing by notifying the assets.

  When the user purchases a product at the member store (step S3), a payment request is notified from the store terminal to the information processing device (step S4). In response to the settlement request, the information processing apparatus performs a sale process for the investment product (step S5).

  Thereby, the investment product can be exchanged for electronic money. At this time, the user does not need to sell the investment product. That is, the information processing apparatus automatically sells the investment product according to the settlement amount. Thereby, the fluidity | liquidity with respect to a user's privilege can be ensured. Then, the information processing apparatus performs a settlement process in which electronic money obtained by selling the investment product is transferred to the account of the store terminal (step S6).

  In this manner, the information processing apparatus can operate the asset easily by replacing the investment item with the investment product, so that the user can easily perform the asset operation. The information processing apparatus can also operate electronic money, which will be described later.

[2. Information processing system]
FIG. 2 is a diagram illustrating an example of the configuration of the information processing system according to the embodiment. As illustrated in FIG. 2, the information processing system 100 according to the embodiment includes an information processing device 1, a plurality of terminal devices 2-1 to 2 -n (n is an integer of 2 or more), and a plurality of store terminals 3-3. 1 to 3 -m (m is an integer of 2 or more), a bank server 4, and an investment destination server 5. The bank server 4 is a bank server that provides an operation account for operating electronic money held by each of the users U-1 to Un. The management account indicates deposit products provided by each financial institution, such as savings deposits, time deposits, and structured deposits. The investment destination server 5 is a server that provides various financial products.

  The information processing apparatus 1, the plurality of terminal apparatuses 2-1 to 2 -n, the plurality of store terminals 3-1 to 3 -m, the bank server 4 and the investment destination server 5 are connected to each other via a network 6 in a wired or wireless manner. It is connected so that it can communicate. The network 6 is, for example, a LAN (Local Area Network) or a WAN (Wide Area Network) such as the Internet. The terminal devices 2-1 to 2-n are operated by the users U-1 to Un.

  In the following, when each of the terminal devices 2-1 to 2-n is shown without being distinguished, it is referred to as a terminal device 2. Moreover, when each of the store terminals 3-1 to 3-m is shown without being distinguished, it is described as the store terminal 3, and when each of the users U-1 to Un is shown without being distinguished, it is described as the user U. To do.

  The terminal device 2 is a terminal device of the user U, and is a smart device (communication terminal) such as a smartphone, a tablet terminal, a PDA (Personal Digital Assistant), or a personal computer. The terminal device 2 can execute various applications such as an application provided by an operator of the information processing apparatus 1 and a browser. The terminal device 2 can access the information processing device 1 via the network 6 and deposit electronic money. Further, the user U can use the terminal device 2 to perform electronic money settlement and refund the deposit balance of the operation account.

  The user U can also increase the balance of electronic money by purchasing a prepaid voucher such as a prepaid card that can be used via the network 6. In addition, the difference added to the prepaid voucher will be treated as a privilege. The privilege is given as a so-called point.

  As other benefits, points given based on purchase behavior performed by the user U at a member store can be cited. The point here includes a point given from a credit card company, a point given to the purchase of the product itself, or the like when payment is made using a credit card.

  The points based on the purchase behavior of the user U are returned to the user U with respect to the purchase behavior, and the points in the prepayment voucher are obtained when the user U purchases the prepayment voucher, so that the difference is as described above. Will be given as a point.

  The store terminal 3 is a terminal installed in a store capable of electronic money settlement, that is, a member store. The store terminal 3 can make an online payment by accessing the information processing apparatus 1 via the network 6 when the user U purchases a product.

  The bank server 4 is a so-called Internet bank server, and can make a profit by consolidating and investing the funds deposited in each operation account. A part of the profit is distributed to each user U's operation account as interest according to the balance and operation period of each operation account. The bank server 4 can realize a relatively high yield by making the artificial intelligence (AI) learn big data aggregated by each service operated by the information processing apparatus 1 and determining an investment destination. .

  The bank server 4 applies a so-called deposit insurance system that guarantees principal against money deposited in the management account. For this reason, the investment account can be said to be a financial product of assets with guaranteed principal.

  The investment destination server 5 is a server that provides various financial products. The investment destination server 5 provides various financial products for the user U's electronic money and privileges managed by the information processing apparatus 1. Examples of financial products provided by the investment destination server 5 include government bonds, investment trusts, securities, foreign currency transactions, and foreign currency deposits. The investment destination server 5 may be operated by one securities company, or may be operated by a different company depending on the financial product.

[3. Information processing device]
FIG. 3 is a diagram illustrating an example of the configuration of the information processing apparatus according to the embodiment. As illustrated in FIG. 3, the information processing apparatus 1 includes a communication unit 10, a storage unit 11, and a control unit 12 (controller). Hereinafter, the communication unit 10, the storage unit 11, and the control unit 12 will be specifically described.

[3.1. Communication department)
The communication unit 10 is a communication interface that transmits and receives information to and from the network 6. The control unit 12 can transmit and receive various types of information to and from each other via the communication unit 10 and the network 6.

[3.2. (Storage section)
The storage unit 11 includes a user information DB 20 and an asset information DB 21. The storage unit 11 is, for example, a semiconductor memory device such as a flash memory, or a storage device such as an HDD or an optical disk.

[3.2.1. User information DB]
The user information DB 20 includes a user information table including a plurality of user information that is information of the user U. The user U is a user of a service provided by a business operator who operates and manages the information processing apparatus 1. The service provided by such a business is an online service that provides a service online to the user U. For example, an electronic commerce service provided on an electronic commerce site, an auction service provided on an auction site, and a video distribution site Video distribution service provided on the Internet, news distribution service provided on the news site, and the like.

  FIG. 4 is a diagram illustrating an example of a user information table according to the embodiment. The user information table 41 shown in FIG. 4 is information in which various pieces of personal information such as “user ID”, “name”, “address”, “sex”, “age”, “operating account” are associated with each other.

  “User ID” is identification information of the user U. Such user ID is an account of the user U for the above-described online service. The user ID may be information that identifies the user U, and the identification information of the terminal device 2 used by the user U may be used as the user ID. For example, the user ID may be identification information specified by an HTTP (Hypertext Transfer Protocol) cookie.

  “Name” indicates the name of the user U, and “Address” indicates the address of the user U. “Gender” indicates the gender of the user U, and “age” indicates the age of the user U. Based on these pieces of information, the above operating account is opened. The “management account ID” is identification information of the management account.

  In addition, only the user ID is given to the user U whose personal information is not registered.

[3.2.2. Asset information DB]
The asset information DB 21 has an asset information table including a plurality of asset information, which is information related to assets for each user U. The asset here refers to the asset of the user U managed on the service side provided by the business operator who operates and manages the information processing apparatus 1.

  FIG. 5 is a diagram illustrating an example of an asset information table according to the embodiment. The asset information table 42 shown in FIG. 5 is information on the deposit / withdrawal history for each asset type held by the user, and “date and time”, “money type”, “operation destination”, and “total asset” are associated with each other. Information.

  “Date and time” indicates the date and time when the asset of the user U has changed, “Money type” indicates the type of electronic money held by the user U, and is broadly divided into “electronic money” and “privileges”. .

  “Electronic money” corresponds to the balance of the operation account of the user U. The privilege corresponds to a difference amount added to a prepaid voucher such as a point balance given based on the purchase behavior of the user U or a prepaid card purchased by the user U. Note that the user U can perform electronic money settlement using both electronic money and benefits. Further, it is assumed that 1 yen of electronic money and 1 point of privilege have the same value.

  “Operation destination” indicates an investment destination where the user U has purchased electronic money or a privilege as funds. In the example illustrated in FIG. 5, a case where “government bond”, “investment trust”, “FX”, or the like is included as the “management destination”. “Total assets” indicates the total amount of all assets held by the user U.

  In the example shown in FIG. 5, an electronic money settlement of 3000 yen is performed on “2018 3/16”, and “+125 yen” is added to the investment profit of the investment trust to “2018 3/17”. , It shows that “12 points” is added to investment benefits.

[3.3. Control unit)
The control unit 12 includes, for example, a microcomputer having a central processing unit (CPU), a read only memory (ROM), a random access memory (RAM), an input / output port, and various circuits.

  As shown in FIG. 3, the control unit 12 includes a management unit 30, a distribution unit 31, an operation unit 32, and a payment processing unit 33. For example, the functions of the management unit 30, the distribution unit 31, the operation unit 32, and the settlement processing unit 33 are such that the CPU of the control unit 12 reads a program stored in the RAM, ROM, or the storage unit 11 of the control unit 12. It is realized by executing.

  The management unit 30, the distribution unit 31, the operation unit 32, and the payment processing unit 33 are each partially or entirely configured by hardware such as an ASIC (Application Specific Integrated Circuit) or an FPGA (Field Programmable Gate Array). Also good.

  When the user U performs electronic money payment at the store, the control unit 12 performs a payment process for paying the amount corresponding to the payment amount to the store, and mediates various operations of assets deposited from the user U to the electronic money. . The control unit 12 can also use the benefits obtained by the user U through electronic money settlement for operation.

[3.3.1. Management Department〕
The management part 30 manages the privilege which can be used at the time of payment in a member store for every user U. The management unit 30 manages the history of purchase behavior at member stores for each user U, and gives points as a privilege according to the purchase behavior.

  In addition, as described above, when the user U purchases a prepaid voucher, the management unit 30 can also give the difference to the prepaid voucher to the user U as a point. That is, the user U can obtain a privilege through both purchase behavior at a member store and purchase of a prepaid voucher.

  In addition, the management unit 30 can also manage payment for electronic money. For example, the management unit 30 can accept payment to the electronic money by an account charge in which cash is charged from the bank account of the user U or a store charge in which the user U pays cash at a store such as a convenience store.

  In addition, for example, the management unit 30 can accept the profits obtained by the user U as payment to electronic money in a service (such as a net auction or a net free market) operated by the information processing apparatus 1.

[3.3.2. (Distribution part)
The distribution unit 31 distributes the operation destination according to the type of the asset held by the user U. FIG. 6 is a diagram illustrating a specific example of processing by the distribution unit 31. FIG. 6 is a diagram illustrating a specific example of processing by the distribution unit 31. Here, a case will be described in which the user U is given a bonus of 200 points each when the user U deposits cash 5000 yen as it is and purchases a prepaid voucher for 5000 yen. In addition, a privilege is provided also when the user U shop at a member store as mentioned above.

  As shown in FIG. 6, when the user U deposits 5000 yen into electronic money, the electronic money is increased by 5000 yen. In this case, the allocating unit 31 distributes the electronic money 5000 yen to the management account as a management destination, and distributes 200 points of bonus for the electronic money 5000 yen to the investment product as the management destination. As described above, the investment product is an investment product that is not guaranteed in principal, and excludes government bonds and corporate bonds that are guaranteed in principal. The investment profit and investment profit of investment products are handled in the same way as benefits, but it is also possible to deposit money into the management account.

  Similarly, when the user U purchases a prepaid voucher for 5000 yen, the distribution unit 31 distributes the operation destination for 5000 yen to the operation account in the same manner as the above-mentioned electronic money 5000 yen and deposits the electronic money. At that time, with respect to 200 points given as a privilege, the operation destination is allocated to investment products.

  In the management account, it is possible to obtain interest according to the deposit balance and the management period. Furthermore, the distribution unit 31 can also distribute various financial products as an operation destination of the deposit balance of the operation account of the user U. In this case, the user U can purchase all financial products including investment products using the deposit balance of the management account. That is, the allocating unit 31 does not particularly define the operation destination of the balance of the operation account.

  Further, the operating profit distributed to the user U in accordance with the purchase of various financial products and the gain on the sale of various financial products are deposited into the operating account. Note that the distribution unit 31 can also directly distribute electronic money to government bonds, corporate bonds, and investment trusts without using an investment account. However, in this case, an upper limit is set for the transaction amount per day, and the user U cannot perform transactions exceeding the upper limit. On the other hand, the upper limit of the transaction amount can be eliminated by mediating the operation account.

  That is, the user U can increase the transaction amount that can be traded per day by purchasing various financial products through the operation account. Therefore, once the electronic money is managed, it is possible not only to automatically obtain interest by assigning it to the management account, but also to purchase various financial products exceeding the upper limit of the transaction amount provided for electronic money. It becomes possible.

  As described above, the allocating unit 31 distributes the operation destinations according to the type of money, so that all currencies usable on the network 6 can be used for asset management of the user U. In addition, the user U can perform risk hedging by purchasing different investment products according to the money type.

  As described above, the allocating unit 31 distributes the operation destinations according to the type of money, so that all currencies usable on the network 6 can be used for asset management of the user U. In addition, the user U can perform risk hedging by purchasing different investment products according to the money type.

  Note that the allocating unit 31 may treat all of the prepaid voucher as a privilege for the user U for whom an operational account is not established. In addition, the distribution unit 31 may distribute the operation destination so that only the financial product whose principal is guaranteed can be purchased for the electronic money in consideration of the balance with the operation destination of the privilege. .

[3.3.3. Operation Department)
The operation unit 32 operates the privilege managed by the management unit 30 in place of the investment product. The operation unit 32 can also operate electronic money by changing it to various financial products via the operation account. Further, the operation unit 32 purchases the investment product of the operation destination distributed by the distribution unit 31 according to the money type.

  By the way, in general, a valid period is provided for a privilege. For this reason, it is assumed that the expiration date is assumed to expire during the period when the privilege is being put into operation. For this reason, the operation unit 32 can extend the effective period for the period during which the privilege is changed to the investment product.

  As a result, the user U can turn the privilege into operation without worrying about the expiration date of the privilege. Moreover, the operation part 32 can also reset an expiration date, when investment goods are changed into a privilege again.

  Thereby, it becomes possible to urge the user U to operate for a privilege whose expiration date is particularly approaching. In addition, the operation unit 32 returns the operation profit or the gain on sale of the investment product based on the privilege to the user U as the privilege. Thereby, it becomes possible to promote shopping at the member store for the user U.

  In addition, the operation part 32 can also deposit the operation profit based on a privilege and the profit on sale to the operation account of the user U. In this case, it is also possible to perform a refund to the user U using the operating profit and the profit on sale as cash.

[3.3.4. (Settlement processing department)
The settlement processing unit 33 performs settlement processing using electronic money obtained by selling investment products in accordance with the payment amount at the time of payment at the member store. When the user U pays at the member store, the settlement processing unit 33 receives a settlement request from the store terminal 3 (see FIG. 2) installed at the member store. Subsequently, the settlement processing unit 33 confirms the balance of privileges held by the user U.

  At this time, when the balance of the privilege is sufficient for the payment amount, the settlement processing unit 33 performs the settlement process by transferring the privilege to the account of the member store. Moreover, the settlement process part 33 performs the sale process of the investment product based on a privilege via the operation part 32, when the balance of a privilege is insufficient. At this time, the user U can specify which investment product to sell.

  Then, the settlement processing unit 33 can perform the above settlement processing using electronic money obtained by selling investment products. In this way, the settlement processing unit 33 can secure the liquidity of the assets of the user U by selling the investment product and performing settlement. Moreover, since the settlement processing unit 33 performs the procedure for selling the investment product on behalf of the user U, the operation by the user U can be simplified.

  At this time, the settlement processing unit 33 can also perform the settlement processing by combining the privilege balance and the electronic money balance. That is, the settlement processing unit 33 can perform the settlement process by using the privilege as a part of the settlement amount and using electronic money for the remaining settlement amount.

  Further, the settlement processing unit 33 can perform the settlement process as it is using the investment product. In other words, it is possible to perform the settlement process by transferring the investment product from the user U to the member store. In this case, since the process of selling the investment product can be omitted, the settlement process can be easily performed.

  Further, the settlement processing unit 33 can perform the electronic money settlement owned by the user U. In this case, the payment processing unit 33 performs a payment process by drawing a necessary amount from the operation account to the electronic money via the operation unit 32 when the user U pays with electronic money.

  In this case, the settlement processing unit 33 can also perform electronic money settlement using the consideration of the financial product after appropriately selling the financial product purchased by the user U via the operation account.

  In this way, the user U can make a payment using all the assets of the user U managed by the information processing apparatus 1. Thereby, it is possible to promote the use of electronic money for the user U and promote the purchasing behavior at the member store.

  Next, an example of processing from when the asset is notified to the user U until the user U purchases the investment product with a privilege will be described with reference to FIGS. 7A to 7D. FIG. 7A is a diagram illustrating an example of a notification screen.

  As illustrated in FIG. 7A, the terminal device 2 is notified of an increase or decrease in the assets of the user U on the lock screen. In the example illustrated in FIG. 7A, a case where an application installed in the terminal device 2 is a so-called application notification that notifies a message is illustrated.

  Thereby, the user U can easily check the change of the asset value. In addition, the message notifies the asset change from the previous day. Therefore, the user U can easily grasp the increase / decrease amount of his / her assets.

  Not only application notifications, but also notifications using other notification methods such as notification of asset changes when the user U opens a web page provided by the application or the information processing apparatus 1. Good.

  Further, when the user U operates the terminal device 2 and opens the application, a breakdown of assets is displayed as shown in FIG. 7B. FIG. 7B is a diagram illustrating an example of a screen showing a breakdown of assets. As shown in FIG. 7B, when the application is opened, the “total amount of money”, “total assets”, and “breakdown of total assets” of the user U are displayed.

  “Total money” is the total amount of electronic money held by the user U, and indicates the balance of the operation account. “Total assets” indicates the total amount of assets of the user U managed by the information processing apparatus 1 including financial products in addition to the total amount of money. In addition to the above total amount, the total amount of benefits is displayed in “total assets”.

  “Breakdown of total assets” indicates a breakdown of total assets. The example shown in FIG. 7B shows a case where YY funds (securities companies), stocks, and money are displayed as a breakdown. In each breakdown, an increase / decrease amount from the previous day is displayed. Thereby, the user U can easily grasp in which financial product the total assets have increased or decreased.

  The user U can easily consider the purchase or sale of the financial product based on the increase / decrease of the previous day for each financial product. When the user U selects “View other products” shown in FIG. 7B, the terminal device 2 displays a financial product selection screen.

  FIG. 7C is a diagram illustrating an example of a financial product selection screen. As shown in FIG. 7C, the selection screen displays a list of financial products that can be purchased with electronic money or special benefits. Moreover, as shown in FIG. 7C, relative risk is displayed on each financial product.

  In the example shown in FIG. 7C, the risk of MMF (Money Management Fund) is low, the risk of YY fund (securities company) is medium, and the risk of FX is large. Thus, by presenting a relative risk to the user U in advance, the user U can easily grasp the risk for each financial product.

  Accordingly, the user U can select a financial product to be purchased based on the risk, and thus can easily select a financial product that suits his / her values.

  FIG. 7D is a diagram illustrating an example of a purchase screen. FIG. 7D shows a case where the user U selects “YY Fund” among the financial products shown in FIG. 7C. In FIG. 7D, on the purchase screen, a purchase amount column in which the user U designates a purchase amount, a payment method, and the like are displayed together with a chart indicating price fluctuations.

  By presenting a chart on the purchase screen, it becomes possible for the user U to easily grasp the change in the value of the financial product. As shown in FIG. 7D, when a privilege is selected as a payment method, the balance of the privilege is displayed together.

  That is, the balance of the privilege is the upper limit of the amount of money that the user U can purchase a financial product using the privilege. Other payment methods include settlement using electronic money and credit card settlement.

  For investment products that are not guaranteed principal, such as “YY Fund”, the bonus balance and the electronic money balance may be displayed together.

  The user U can purchase the financial product by operating the slide bar shown in FIG. 7D after designating the purchase amount and the payment method. Based on this operation, the operation unit 32 purchases the designated financial product by the designated amount.

  In this way, the operation unit 32 can urge the user U to manage assets by purchasing investment products using a privilege. In particular, since the benefits are returned to the user U as a bonus to purchase behavior, it is possible to lower the user U's psychological barrier to purchase of investment products. This is effective when the user U performs asset management for the first time.

[4. Processing procedure of information processing apparatus]
A processing procedure of the information processing apparatus 1 will be described with reference to FIG. FIG. 8 is a flowchart illustrating a processing procedure executed by the information processing apparatus 1 according to the embodiment.

  As shown in FIG. 8, the information processing apparatus 1 first sorts out the user U who holds the privilege (step S101), and purchases the investment product of the amount specified for each sorted user (step S102). .

  Subsequently, the information processing apparatus 1 notifies the asset to the user U at a predetermined cycle (step S103). The information processing apparatus 1 determines whether or not the user U has paid at the member store (step S104).

  When there is a payment at the member store by the user U (step S104, Yes), the information processing apparatus 1 determines whether or not the settlement amount is equal to or more than the balance of the privilege (step S105). When the payment amount is equal to or greater than the privilege balance (Yes in step S105), the information processing apparatus 1 sells the investment product according to the shortage amount (step S106).

  Subsequently, the information processing apparatus 1 performs a settlement process using the electronic money obtained by selling the investment product (step S107), and ends the process. In step S105, when the settlement amount is less than the privilege balance (step S105, No), the process proceeds to step S107. Moreover, the information processing apparatus 1 complete | finishes a process, when there is no payment in a member store (step S104, No).

  In addition, about the process of step S101-step S103, it is repeatedly performed irrespective of the presence or absence of the process after step S104.

[5. Hardware configuration)
The information processing apparatus 1 in the above-described embodiment is realized by executing a program by a computer 200 configured as shown in FIG. 11, for example.

  FIG. 11 is a diagram illustrating an example of a hardware configuration of a computer that executes a program according to the embodiment. The computer 200 includes a CPU 201, a RAM 202, a ROM 203, an HDD 204, a communication interface (I / F) 205, an input / output interface (I / F) 206, and a media interface (I / F) 207.

  The CPU 201 operates based on a program stored in the ROM 203 or the HDD 204 and controls each unit. The ROM 203 stores a boot program executed by the CPU 201 when the computer 200 is started up, a program depending on the hardware of the computer 200, and the like.

  The HDD 204 stores data used by programs executed by the CPU 201. The communication interface 205 corresponds to the communication unit 10, receives data from other devices via the network 6, sends the data to the CPU 201, and transmits data generated by the CPU 201 to other devices via the network 6.

  The CPU 201 controls an output device such as a display and a printer and an input device such as a keyboard and a mouse via the input / output interface 206. The CPU 201 acquires data from the input device via the input / output interface 206. Further, the CPU 201 outputs the generated data to the output device via the input / output interface 206.

  The media interface 207 reads a program or data stored in the recording medium 208 and provides it to the CPU 201 via the RAM 202. The CPU 201 loads the program from the recording medium 208 onto the RAM 202 via the media interface 207, and executes the loaded program. The recording medium 208 is, for example, an optical recording medium such as a DVD (Digital Versatile Disc) or PD (Phase change rewritable disk), a magneto-optical recording medium such as an MO (Magneto-Optical disk), a tape medium, a magnetic recording medium, or a semiconductor memory. Etc.

  The CPU 201 of the computer 200 can implement the functions of the management unit 30, the distribution unit 31, the operation unit 32, and the settlement processing unit 33 described above by executing a program loaded on the RAM 202. In addition, the management unit 30, the distribution unit 31, the operation unit 32, and the payment processing unit 33 may each be partially or entirely configured only by hardware.

  The CPU 201 of the computer 200 reads the program from the recording medium 208 and executes it, but as another example, the program may be acquired from another device via the network 6. The HDD 204 corresponds to the storage unit 11 and stores the same data as the storage unit 11. Further, instead of the HDD 204, a semiconductor memory element such as a RAM or a flash memory, or a storage device such as an optical disk may be used.

[6. effect〕
The information processing apparatus 1 includes a management unit 30 that manages, for each user, a privilege that can be used at the time of payment at a specific store, and an operation unit 32 that operates the privilege managed by the management unit 30 in place of an investment product. Therefore, asset management can be urged to the user U.

  Moreover, the management part 30 manages the point provided based on the purchase behavior of the user in a specific store as a privilege. Therefore, it becomes possible to perform asset management using the points accumulated by the user U based on purchase behavior.

  Moreover, the management part 30 manages the difference added on the prepaid ceremony certificate as a privilege. Therefore, since the user can arbitrarily increase the privilege, asset management by the privilege can be promoted.

  In addition, the operation unit 32 changes the privilege to an investment product whose principal is not guaranteed. Therefore, asset management can be performed through the privilege.

  In addition, the information processing apparatus 1 includes a settlement processing unit 33 that performs settlement processing using electronic money obtained by selling investment products at the time of payment at a specific store. Therefore, the asset management of the user U can be facilitated while ensuring the liquidity of the user U's asset.

  The settlement processing unit 33 performs settlement processing using the investment product at the time of payment at a specific store. Therefore, it is possible to easily perform the settlement process.

  Moreover, the operation part 32 extends the use period provided in the said privilege about the period which is operating the privilege as an investment product. Therefore, the user U can turn the privilege into operation without worrying about the expiration date of the privilege.

  The operation unit 32 notifies the user U of assets based on the investment product operation period. Accordingly, it is possible to make the user U feel that the assets are increasing.

  In addition, the information processing apparatus 1 includes a distribution unit 31 that distributes the operation destinations according to the type of assets owned by the user. Therefore, all assets owned by the user U can be used for asset management.

  Further, the information processing apparatus 1 described above may be realized by a plurality of server computers, and depending on the function, an external platform or the like may be realized by calling an API (Application Programming Interface) or network computing. The configuration can be changed flexibly.

  Moreover, the above-mentioned “section (module, unit)” can be read as “means”, “circuit”, and the like. For example, the acquisition unit can be read as acquisition means or an acquisition circuit.

  As mentioned above, although this invention was demonstrated using the said embodiment, the technical scope of this invention is not limited to the range as described in the said embodiment. It will be apparent to those skilled in the art that various modifications or improvements can be made to the above embodiment. In addition, it is apparent from the scope of the claims that the embodiments added with such changes or improvements can be included in the technical scope of the present invention.

DESCRIPTION OF SYMBOLS 1 Information processing apparatus 2 Terminal apparatus 3 Store terminal 4 Bank server 5 Investment destination server 30 Management part 31 Distribution part 32 Operation part 33 Settlement processing part 41 User information table 42 Asset information table

Claims (9)

A management unit that stores and manages information about user assets including benefits available for payment at a specific store in a storage unit for each user;
A distribution unit that distributes the operation destination according to the type of user's asset;
About the privilege managed by the management unit, an operation unit that operates in place of the investment product of the operation destination distributed by the distribution unit ;
An information processing apparatus comprising: a payment processing unit that performs payment processing using electronic money obtained by selling the investment product at the time of payment at the specific store . The management unit
The information processing apparatus according to claim 1, wherein points given based on user purchase behavior in the specific store are managed as the privilege. The management unit
The information processing apparatus according to claim 1, wherein the difference added to the prepaid voucher is managed as the privilege. The operation unit
The information processing apparatus according to claim 1, 2, or 3, wherein the privilege is replaced with the investment product whose principal is not guaranteed. The settlement processing unit
The information processing apparatus according to any one of claims 1 to 4 , wherein a settlement process is performed using the investment product at the time of payment at the specific store. The operation unit
For the period we are running the benefits as the investment products, the information processing apparatus according to any one of claims 1-5, characterized in that to extend the usage period provided in the award. The operation unit
The information processing apparatus according to any one of claims 1-6, characterized in that notifying the assets under management period of the investment products to the user. An information processing method executed by a computer,
A management process for storing and managing information about user assets including benefits available for payment at a specific store in a storage unit for each user;
A distribution process for allocating operation destinations according to the type of user asset;
About the privilege managed by the management step, an operation step of operating instead of the investment product of the operation destination distributed by the distribution step ;
A payment processing step of performing payment processing using electronic money obtained by selling the investment product at the time of payment at the specific store . A management procedure for storing and managing information on user assets including benefits available for payment at a specific store in a storage unit for each user;
A distribution procedure for assigning operation destinations according to the type of user's asset;
About the privilege managed by the management procedure, an operation procedure to operate in place of the investment product of the investment destination distributed by the distribution procedure ;
An information processing program for causing a computer to execute a payment processing procedure for performing payment processing using electronic money obtained by selling the investment product at the time of payment at the specific store .

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