JP6659898B1 - System, method, and program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a system, a method and a program capable of facilitating management for exchanging a plurality of points for points for aggregation. A system 1 according to an aspect of the present invention includes a storage unit 12 that stores exchange conditions that define conditions for exchanging first points for second points, and exchange conditions for predetermined users. An exchange condition determination unit 134 that determines whether or not the condition is satisfied, and a point management of an update request for updating the ledger data of the first point so that at least a part of the first point is subtracted from a predetermined user. A transmitting unit 132 for transmitting to the system, an updating unit 136 for updating the ledger data of the second points so as to add the second points of the quantity based on at least a part of the first points to a predetermined user, Equipped with. [Selection diagram] Fig. 1

Description

  The present invention relates to a system, a method, and a program.

  2. Description of the Related Art Conventionally, various businesses provide a service for giving a certain point to a user who has purchased a product or used a service. In such point services, various profits such as discounting the price of products and services provided by the point issuer or exchanging for gift certificates or free service tickets when the number of points reaches a predetermined number Is provided to the user.

  More recently, a service has been provided that aggregates a plurality of points into one point. For example, Patent Literature 1 discloses a point investment and loan operation management system and a point investment and loan operation management method capable of collecting points issued by a plurality of point issuers and making an investment.

JP 2015-88088 A

  However, as the number of types of points increases, management of each point becomes complicated. Therefore, there is a high possibility that the expiration date will expire without exchanging the original points for the aggregation points.

  Accordingly, an object of the present invention is to provide a system, a method, and a program that can facilitate management for exchanging a plurality of points for points for aggregation.

  A system according to an aspect of the present invention includes a storage unit that stores an exchange condition that defines a condition for exchanging a first point managed by a point management system into a second point, and an exchange condition for a predetermined user. And an exchange condition determining unit that determines whether or not the first condition is satisfied. When the exchange condition determination unit determines that the exchange condition is satisfied, at least a part of the first point is subtracted from the predetermined user. A transmitting unit that transmits an update request to update the ledger data of the first point to the point management system; and, when the exchange condition determination unit determines that the exchange condition is satisfied, An updating unit that updates the ledger data of the second point so as to add the second point of the quantity based on at least a part of the one point.

  According to this aspect, the exchange condition that defines the condition for exchanging the first point for the second point is stored in the storage unit in advance. Then, when it is determined that the exchange condition is satisfied, the point management system issues an update request to update the ledger data of the first point so that at least a part of the first point is subtracted from the predetermined user. And the ledger data of the second point is updated so as to add the second point of the quantity based on at least a part of the first point to the predetermined user. Therefore, at least a part of the first point is exchanged for the second point under a predetermined condition, even if the user does not give the exchange instruction.

  According to the present invention, it is possible to provide a system, a method, and a program that can facilitate management for exchanging a plurality of points for points for aggregation.

It is a figure showing an example of composition of point accumulation system 1. FIG. 4 is a diagram illustrating an example of a data structure of a user information table. It is a figure showing an example of the data structure of a reserve point ledger table. It is a figure showing an example of the data structure of an original point ledger table. It is a figure showing an example of the data structure of a fund account table. It is a figure showing an example of the data structure of a source transfer record table. It is a figure showing an example of the operation sequence of the notice processing by point accumulation system 1. It is a figure which shows an example of the operation | movement sequence of the accumulation process by the point accumulation system 1. FIG. FIG. 4 is a diagram illustrating an example of a notification displayed on the user terminal 20. FIG. 4 is a diagram illustrating an example of a notification displayed on the user terminal 20.

  A preferred embodiment of the present invention will be described with reference to the accompanying drawings. (Note that, in each drawing, components denoted by the same reference numerals have the same or similar configurations.)

(1) Configuration (1-1) Point accumulation system 1
FIG. 1 is a diagram illustrating an example of a configuration of a point accumulation system 1 according to an embodiment of the present invention. The point accumulation system 1 is a system for providing a point accumulation service for accumulating original points as accumulation points. Here, the original point is an example of a first point issued or managed by a predetermined business entity. In addition, the reserve point is an example of a second point issued by exchanging the first point. In the point accumulation system 1, it is possible to collect original points into accumulated points by appropriately replacing each of a plurality of types of original points with accumulated points.

  As shown in FIG. 1, the point accumulation system 1 includes, for example, an accumulation point management system 10 communicably connected via a communication network N such as the Internet, a user terminal 20, an original point management system 30, and an original resource management. System 40. The point accumulation system 1 may have a plurality of user terminals 20, the original point management system 30, and the resource management system 40, respectively. When distinguishing each of the plurality of user terminals 20, the original point management system 30, and the original resource management system 40, A, B, C, etc. may be added to the end of the reference numerals.

(1-2) Reserved point management system 10
The reserve point management system 10 is a server device for managing reserve points, and includes, for example, a communication unit 11, a storage unit 12, and a processing unit 13. The reserve point management system 10 can be configured by one or a plurality of information processing devices.

  The communication unit 11 has a communication interface circuit for connecting the reserve point management system 10 to the communication network N. The communication unit 11 supplies the data received from information processing devices such as the user terminal 20, the original point management system 30, and the original resource management system 40 to the processing unit 13. In addition, the communication unit 11 transmits the data supplied from the processing unit 13 to the user terminal 20, the original point management system 30, the original resource management system 40, and the like.

  The storage unit 12 includes, for example, a semiconductor memory, a magnetic disk device, an optical disk device, and the like, and stores a driver program, an operating system program, an application program, data, and the like used for processing by the processing unit 13. For example, the storage unit 12 stores a communication device driver program for controlling the communication unit 11 as a driver program. The various programs may be installed in the storage unit 12 from a computer-readable portable recording medium such as a CD-ROM or a DVD-ROM, using a known setup program or the like. The storage unit 12 stores a user information table and a reserve point ledger table as data.

  FIG. 2 is a diagram illustrating an example of the data structure of the user information table. The user information table is a table for managing various settings and data relating to each user who uses the point accumulation service. As shown in FIG. 2, the user information table includes, for example, “user ID”, “user information”, “original point”, “original point balance”, “expiration date”, “original point type”, “notification setting”, And "automatic exchange setting".

  In the “user ID”, an ID for identifying a user is registered. In the “user information”, arbitrary personal information including the user's name, name, address, occupation, gender, affiliation and the like is registered. In the “original point”, information for identifying the original point such as the name of the original point is registered. In the “original point balance”, the quantity of the balance of the original point currently held by the user is registered. In the “expiration date”, the expiration date of the original point is registered. Note that a difference may be provided in the expiration date between a part of the original points held by one user and another part, and a plurality of such different expiration dates are registered in the user information table. Is also good. Further, for example, the processing unit 13 of the reserve point management system 10 periodically obtains information such as the balance of the original point held by each user and the expiration date thereof from the original point management system 30, and based on these, obtains the information of the user information table. The “original point balance” and the “expiration date” may be updated. In the “original point type”, a type to which the original point belongs when the original point is classified according to a predetermined classification standard is registered.

  Here, the predetermined classification criterion is not particularly limited, and a classification criterion from various viewpoints can be adopted. For example, as the predetermined classification criterion, a classification criterion relating to an original point issuing scheme may be adopted. As a classification criterion for the issuance scheme, for example, a classification criterion based on a difference in a tax calculation method applied when exchanging the reserved points (second points) for cash or commodities, etc. is assumed, but is not limited thereto. Absent. Further, as the predetermined classification criterion, a classification criterion based on an arbitrary law (for example, the Funds Settlement Law or the like) may be adopted. As a classification criterion according to an arbitrary law, for example, a classification criterion based on whether or not the original points are issued on condition that the user provides compensation (whether or not they correspond to so-called prepaid payment means) is assumed. It is not limited to this.

  In the “notification setting” of the user information table, at least one set of a notification condition and a notification content transmitted to the user when the notification condition is satisfied is registered.

  The notification condition included in the notification setting may be a condition defined including the arrival of a predetermined timing. The predetermined timing may be, for example, a timing defined based on the expiration date of the original point. Specifically, for example, “N days before the expiration date of A point * year * month * day” may be set as the predetermined timing.

  Further, the predetermined timing may be a periodic timing defined by a predetermined cycle. The cycle is not particularly limited, but may be a cycle defined in units of minutes, hours, days, weeks, months, years, and the like.

  The notification condition may be a condition defined including that the balance of the original point has reached a predetermined threshold. Specifically, for example, “1000 points” may be set as the predetermined threshold.

  Note that the notification condition may be defined to include both the arrival of a predetermined timing and the arrival of the balance of the original points at a predetermined threshold. Specifically, the notification condition is, for example, such that “N days before the expiration date of A point * year * month * has arrived and the balance of A point has reached 1000 points at that time”. May be specified. Alternatively, the notification condition may be, for example, that “* Year / Month / Date, which is a periodic timing defined by a predetermined cycle, has arrived, and the balance of the A point has reached 1000 points at that time”. May be defined as follows.

  The contents of the notification conditions including the predetermined timing and the predetermined threshold described above can be arbitrarily set by the user, the point manager (the reserve point manager, the original point manager, and the like).

  The notification content included in the notification setting may include, for example, information on the original point. The information related to the original points is not particularly limited, but may include, for example, the balance of the original points, the expiration date of the original points, and the subtracted quantity of the original points in the exchange.

  Further, the notification content included in the notification setting may include information related to the reward points. The information on the reward points is not particularly limited, but may include, for example, the balance of the reward points, the added amount of the reward points in the exchange, and the like.

  Further, the notification content included in the notification setting may include information relating to exchange of the original point and the reserve point. The information relating to the exchange of the original points with the reserved points is not particularly limited, but may include, for example, a description that the original points are to be exchanged for the reserved points, a time at which the original points are to be exchanged for the reserved points, and the like.

  In the "automatic exchange setting" of the user information table, a set of a predetermined automatic exchange condition and an automatic exchange content that defines the content of exchange between the original point and the reserve point when the automatic exchange condition is satisfied, At least one is registered.

  The automatic exchange condition included in the automatic exchange setting may be a condition defined including the arrival of a predetermined timing. The predetermined timing may be, for example, a timing defined based on the expiration date of the original point. Specifically, for example, "M days before the expiration date of B point * year * month * date" may be set as the predetermined timing.

  Further, the predetermined timing may be a periodic timing defined by a predetermined cycle. The cycle is not particularly limited, but may be a cycle defined in units of minutes, hours, days, weeks, months, years, and the like.

  The automatic exchange condition included in the automatic exchange setting may be a condition defined including that the balance of the original points has reached a predetermined threshold. Specifically, for example, “2000 points” may be set as the predetermined threshold.

  Note that the automatic exchange condition included in the automatic exchange setting may be defined to include both the arrival of a predetermined timing and the arrival of the balance of the original point at a predetermined threshold. Specifically, the automatic exchange condition included in the automatic exchange setting is, for example, "M days before the expiration date of B points * year * month * arrives, and at that time the balance of B points reaches 2000 points. May be defined as " Alternatively, the automatic exchange condition included in the automatic exchange setting includes, for example, “* Year * Month * which is a periodic timing defined by a predetermined cycle arrives, and the balance of the B point becomes 2,000 points at that time. May have been reached. "

  The contents of the automatic exchange conditions including the predetermined timing and the predetermined threshold described above can be arbitrarily set by a user, a point manager (a reserve point manager, an original point manager, and the like).

  In the automatic exchange content included in the automatic exchange setting, a subtraction amount of the original points, an addition amount of the reserve points, and the like may be defined. The subtraction quantity of the original points is not particularly limited and may be an arbitrary quantity. For example, it may be a predetermined fixed quantity, or may be a quantity exceeding a predetermined threshold set in advance. There may be. The added amount of the reserve points is not particularly limited and may be an arbitrary amount.For example, the added amount may be the same as the subtracted amount of the original points, or the amount of the commission from the subtracted amount of the original points. The quantity may be excluded. Here, the commission amount can be arbitrarily set for each original point, for each user, or the like, for example, as a predetermined fixed amount or a predetermined ratio to the subtracted amount of the original points. Further, the commission may be 0 (no commission is provided), and in this case, the subtracted quantity of the original points becomes the added quantity of the reserved points as it is. In addition, the commission may be divided into the amount obtained by the original point manager and the amount obtained by the reserved point manager.

  In the user information table, a regulation of a fee applied to an exchange process according to an exchange request to be described later may be registered.

  FIG. 3 is a diagram illustrating an example of a data structure of the reserve point ledger table. Here, the reserved point ledger table is a ledger table for managing the reserved points held by each user. As shown in FIG. 3, the reserve point ledger table includes, for example, “user ID”, “account ID”, “type of original point”, “balance of reserve point”, and the like. In the “user ID”, an ID for identifying a user is registered. In the “account ID”, an ID for identifying the account of the reserved point is registered. In “Original point type”, the type of the original point to be exchanged for the reserved point is registered.

  Here, the account of the reserved points may be separately provided for each type of the original points to be exchanged for the reserved points. For example, the account with the account ID “U01-A1” shown in FIG. 3 is an account for the reserved points obtained by exchanging the original points whose original point type is “first type”. As described above, the management of the accumulated points is facilitated by dividing the account of the accumulated points for each type of the original points.

  The processing unit 13 includes one or a plurality of processors and their peripheral circuits. The processing unit 13 controls the overall operation of the reserve point management system 10 as a whole, and is, for example, a CPU (Central Processing Unit). The processing unit 13 controls operations of the communication unit 11 and the like so that various processes of the reserve point management system 10 are executed in an appropriate procedure based on a program or the like stored in the storage unit 12. The processing unit 13 executes processing based on programs (such as an operating system program, a driver program, and an application program) stored in the storage unit 12.

  The processing unit 13 includes, for example, a receiving unit 131, a transmitting unit 132, a notification condition determining unit 133, an automatic exchange condition determining unit 134, an exchange request receiving determining unit 135, an updating unit 136, and a matching processing unit 137. The receiving unit 131 receives various data transmitted from another information processing device or the like via the communication unit 11. The transmission unit 132 transmits various data to another information processing device or the like via the communication unit 11. The notification condition determination unit 133 determines whether a predetermined notification condition is satisfied. The automatic exchange condition determining unit 134 determines whether a predetermined automatic exchange condition is satisfied. The exchange request reception determining unit 135 determines whether the receiving unit 131 has received an exchange request from the user terminal 20. The updating unit 136 updates the user information table, the reserve point ledger table, and the like. The reconciliation processing unit 137 performs reconciliation processing between the resource transfer notification received from the source point management system 30 and the transfer record received from the resource management system 40.

(1-3) User terminal 20
The user terminal 20 is an information processing device for the user to use the point accumulation service provided by the point accumulation system 1, and includes, for example, a communication unit 21, a storage unit 22, an operation unit 23, and a display unit 24. And a processing unit 25.

  The communication unit 21 includes a communication interface circuit including an antenna having a predetermined frequency band as a sensitive band, and connects the user terminal 20 to the communication network N. Then, the communication unit 21 transmits the data supplied from the processing unit 25 to the reserve point management system 10, the original point management system 30, the original resource management system 40, and the like. Further, the communication unit 21 supplies the data received from the reserve point management system 10, the original point management system 30, the original resource management system 40, and the like to the processing unit 25.

  The storage unit 22 includes, for example, a semiconductor memory device. The storage unit 22 stores an operating system program, a driver program, an application program, data, and the like used for processing in the processing unit 25. The various programs may be installed in the storage unit 22 using a known setup program or the like from a computer-readable portable recording medium such as a CD-ROM or a DVD-ROM. Further, the storage unit 22 may temporarily store temporary data relating to the predetermined processing.

  The operation unit 23 may be any device that can operate the user terminal 20, such as a touch panel and key buttons. The user can use the operation unit 23 to input characters, numbers, symbols, and the like. When operated by the user, the operation unit 23 generates a signal corresponding to the operation. Then, the generated signal is supplied to the processing unit 25 as a user's instruction.

  The display unit 24 may be any device as long as it can display images, images, and the like, and is, for example, a liquid crystal display or an organic EL display. The display unit 24 displays a video corresponding to the video data supplied from the processing unit 25, an image corresponding to the image data, and the like.

  The processing unit 25 includes one or a plurality of processors and their peripheral circuits. The processing unit 25 controls the overall operation of the user terminal 20, and is, for example, a CPU. The processing unit 25 controls the communication unit 21 and the display unit 24 so that various processes of the user terminal 20 are executed in an appropriate procedure based on a program stored in the storage unit 22, an operation of the operation unit 23, and the like. Control behavior. The processing unit 25 performs processing based on programs (such as an operating system program, a driver program, and an application program) stored in the storage unit 22.

  The processing unit 25 includes, for example, a receiving unit 251, a transmitting unit 252, and a display processing unit 253. The receiving unit 251 receives various data transmitted from another information processing device or the like via the communication unit 21. The transmission unit 252 transmits various data to another information processing device or the like via the communication unit 21. The transmission unit 252 transmits the exchange request input by the user via the operation unit 23 to the reserve point management system 10. Various screens are displayed on the display unit 24 based on the display data stored in the display processing unit 253 and the storage unit 22, the display data received by the reception unit via the communication unit 21, and the like.

(1-4) Original point management system 30
The original point management system 30 is a server device that manages original points, and includes, for example, a communication unit 31, a storage unit 32, and a processing unit 33. The original point management system 30 can be configured by one or a plurality of information processing devices.

  The communication unit 31 has a communication interface circuit for connecting the original point management system 30 to the communication network N. The communication unit 31 supplies data received from information processing devices such as the reserve point management system 10, the user terminal 20, and the fund management system 40 to the processing unit 33. Further, the communication unit 31 transmits the data supplied from the processing unit 33 to the reserve point management system 10, the user terminal 20, the fund management system 40, and the like.

  The storage unit 32 includes, for example, a semiconductor memory, a magnetic disk device, an optical disk device, and the like, and stores a driver program, an operating system program, an application program, and data used by the processing unit 33. For example, the storage unit 32 stores a communication device driver program for controlling the communication unit 31 and the like as a driver program. The various programs may be installed in the storage unit 32 from a computer-readable portable recording medium such as a CD-ROM or a DVD-ROM, using a known setup program or the like. The storage unit 32 stores an original point ledger table as data.

  FIG. 4 is a diagram showing an example of the data structure of the original point ledger table. Here, the original point ledger table is a ledger table for managing the original points held by each user. The original point ledger table includes “user ID”, “source point balance”, and “expiration date”. In “User ID”, the user ID of the holder of the original point is registered. In “Original point balance”, the number of original points held by the user is registered. In the “expiration date”, the expiration date of the original point is registered. Note that a difference may be provided in the expiration date between a part of the original points held by one user and another part, and a plurality of different expiration dates are registered in the original point ledger table. You may.

  The processing unit 33 includes one or a plurality of processors and their peripheral circuits. The processing unit 33 controls the overall operation of the original point management system 30 and is, for example, a CPU (Central Processing Unit). The processing unit 33 controls the operation of the communication unit 31 and the like such that various processes of the original point management system 30 are executed in an appropriate procedure based on a program or the like stored in the storage unit 32. The processing unit 33 executes processing based on programs (such as an operating system program, a driver program, and an application program) stored in the storage unit 32.

  The processing unit 33 includes, for example, a receiving unit 331, a transmitting unit 332, and an updating unit 333. The receiving unit 331 receives various data transmitted from another information processing device or the like via the communication unit 31. The transmission unit 332 transmits various data to another information processing device or the like via the communication unit 31. The updating unit 333 updates an original point ledger table and the like.

(1-5) Fund management system 40
The resource management system 40 is a system used by a financial institution such as a bank to manage resources for original points and reserve points. In the present embodiment, a case where the legal currency is the funding will be described as an example. However, the resources are not limited to legal tender, but may be any assets such as securities such as stocks, financial assets and the like.

  The resource management system 40 includes, for example, a communication unit 41, a storage unit 42, and a processing unit 43. The resource management system 40 can be configured by one or a plurality of information processing devices.

  The communication unit 41 has a communication interface circuit for connecting the resource management system 40 to the communication network N. The communication unit 41 supplies data received from information processing devices such as the reserve point management system 10, the user terminal 20, and the original point management system 30 to the processing unit 43. In addition, the communication unit 41 transmits the data supplied from the processing unit 43 to information processing devices such as the reserve point management system 10, the user terminal 20, and the original point management system 30.

  The storage unit 42 includes, for example, a semiconductor memory, a magnetic disk device, and an optical disk device, and stores a driver program, an operating system program, an application program, data, and the like used for processing by the processing unit 43. For example, the storage unit 42 stores a communication device driver program for controlling the communication unit 41 and the like as the driver program. The various programs may be installed in the storage unit 42 from a computer-readable portable recording medium such as a CD-ROM and a DVD-ROM using a known setup program and the like. Further, the storage unit 42 stores a source account table and a source transfer record table as data.

  FIG. 5 is a diagram illustrating an example of the data structure of the funding account table. The source account table is a data table for managing source accounts (source accounts) such as source points and reserve points. As shown in FIG. 5, the source account table includes, for example, “source account holder”, “source account ID”, and “source account balance”. In the “account holder”, information for identifying the holder of the source account (for example, information for specifying the manager of the original point or the manager of the reserved point) is registered. The ID for identifying the source account is registered in the “source account ID”. In the “fund account balance”, the balance of the fund deposited in the account is registered.

  FIG. 6 is a diagram showing an example of the data structure of the source transfer record table. The source transfer record table is a table for managing records of source transactions between source accounts managed by the source account table. As shown in FIG. 6, the source transfer record table includes, for example, “transfer ID”, “date and time of transfer”, “source of source transfer”, “source of transfer of source”, and “transfer amount”. In the "transfer ID", an ID for identifying the transfer process assigned for each source transfer process is registered. In the “transfer date and time”, the date and time when the fund transfer process is executed is registered. In the “source account ID of transfer source”, a source account ID as a transfer source of the source is registered. The source account ID of the transfer source of the source account (that is, the source account ID of the source account held by the reserve point manager) is registered in the “source account ID of the transfer destination”. In the “transfer amount”, the amount of the resource to be transferred is registered.

  The processing unit 43 includes one or a plurality of processors and their peripheral circuits. The processing unit 43 controls the overall operation of the resource management system 40, and is, for example, a CPU (Central Processing Unit). The processing unit 43 controls operations of the communication unit 41 and the like so that various processes of the resource management system 40 are executed in an appropriate procedure based on a program or the like stored in the storage unit 42. The processing unit 43 executes processing based on programs (such as an operating system program, a driver program, and an application program) stored in the storage unit 12.

  The processing unit 43 includes, for example, a reception unit 431, a transmission unit 432, an update unit 433, and a transfer record extraction unit 434. The receiving unit 431 receives various data transmitted from another information processing device or the like via the communication unit 41. The transmission unit 432 transmits various data to another information processing device or the like via the communication unit 41. The updating unit 433 updates the source account table, the source transfer record table, and the like. The transfer record extracting unit 434 extracts a transfer record corresponding to the transfer record request from the source transfer record table in response to the transfer record request.

(3) Operation Process (3-1) Notification Process FIG. 7 is a diagram illustrating an example of an operation sequence of a notification process by the point accumulation system 1. In the notification processing, when a predetermined notification condition is satisfied, the reward point management system 10 transmits to the user terminal 20 predetermined notifications of various contents related to the point reward service.

(S101)
First, the notification condition determination unit 133 of the reward point management system 10 determines whether a predetermined notification condition is satisfied with reference to the notification settings included in the user information table. As described above, the notification conditions include the arrival of a predetermined timing (timing defined based on the expiration date of the original point, periodic timing defined by a predetermined cycle, etc.), and the balance of the original point It is defined by the fact that the threshold value has been reached, their combination, and the like.

(S102)
Next, when the notification condition determination unit 133 determines that the predetermined notification condition is satisfied, the transmission unit 132 of the reserve point management system 10 transmits a notification related to the notification content associated with the notification condition in the user information table. Transmit to the user terminal 20. The receiving unit 251 of the user terminal 20 receives the notification transmitted from the reward point management system 10. As described above, the notification content may include information on the original points, information on the reserved points, information on the exchange of these points, and the like.

(S103)
The display processing unit 253 of the user terminal 20 causes the display unit 24 to display the notification received from the reserve point management system 10. 9A and 9B are diagrams each illustrating an example of a notification displayed on the user terminal 20. The notification illustrated in FIG. 9A is a push notification displayed on a lock screen, a standby screen, or the like of the user terminal 20. The notification includes a notification that the expiration date of the C point is another 14 days. The notification illustrated in FIG. 9B is a notification displayed on the display screen of the point accumulation service in the user terminal 20. The notification includes the number of points (balance) held by the C points and the expiration date of the C points. In addition, the notification includes a selection unit for selecting exchange of the C point for the reserved point. By selecting the selection unit, the user can exchange the above-mentioned points for which the exchange contents are designated, into accumulated points. Thus, the notification process ends.

(3-2) Funding Process FIG. 8 is a diagram showing an example of an operation sequence of the funding process by the point funding system 1. In the accumulation process, when the automatic exchange condition is satisfied or when the user inputs an exchange request, a predetermined number of original points are exchanged for the accumulation points.

(S201)
First, the automatic exchange condition determination unit 134 of the reserve point management system 10 determines whether the automatic exchange condition is satisfied by referring to the automatic exchange setting associated with an arbitrary user ID included in the user information table. I do. As described above, the automatic exchange conditions include the arrival of predetermined timing (timing specified based on the expiration date of the original point, periodic timing specified by the predetermined period, and the like), and the balance of the original point It is defined by reaching a predetermined threshold value, a combination thereof, and the like. When it is determined that the automatic exchange condition is satisfied (S201; Yes), the process proceeds to S203. If it is determined that the automatic exchange condition is not satisfied (S201; No), the process proceeds to S202.

(S202)
When it is determined that the automatic exchange condition is not satisfied (S201; No), the exchange request reception determination unit 135 of the reserve point management system 10 determines whether the reception unit 131 has received an exchange request from the user terminal 20. . Here, the exchange request is transmitted to the accumulated point management system 10 by the transmission unit 252 of the user terminal 20 in response to the user inputting the transmission of the exchange request via the operation unit 23 of the user terminal 20. The receiving unit 131 of the reserve point management system 10 receives the exchange request transmitted from the user terminal 20. As described above, in the point accumulation system 1, the user can exchange the original points for the accumulation points at a timing desired by the user.

  The exchange request includes the user ID of the transmission source of the exchange request, the subtraction quantity of the original point designated by the user, and the like. If it is determined that the exchange request has been received (S202; Yes), the process proceeds to S203. When it is determined that the exchange request has not been received (S202; No), the process returns to S201.

(S203)
When it is determined that the automatic exchange condition is satisfied (S201; Yes), or when it is determined that the exchange request is received (S202; Yes), the transmission unit 132 of the accumulated point management system 10 Alternatively, an original point subtraction processing request and an original resource transfer request are transmitted to the original point management system 30 specified in the exchange request. The receiving unit 331 of the original point management system 30 receives the original point subtraction processing request and the original resource transfer request.

  Here, the original point subtraction processing request is a request for updating the original point ledger table so as to subtract a predetermined number of original points for a user ID (target user ID) to be exchanged for original points. . When it is determined that the automatic exchange condition is satisfied (S201; Yes), the subtraction amount of the original points is the amount specified in the automatic exchange content associated with the automatic exchange condition in the user information table, and the exchange request Is determined to have been received (S202; Yes), it is the quantity specified in the exchange request transmitted by the user terminal 20.

  In addition, the resource transfer request is a request to transfer a predetermined amount of resource as the resource of the reserve point. The predetermined amount is determined based on, for example, a user information table. Specifically, when the fee is 0 (when the fee is not set), the predetermined amount may be an amount corresponding to the subtraction amount of the original points. Further, when a fee is set, the predetermined amount may be an amount corresponding to a value obtained by subtracting the amount corresponding to the commission corresponding to the acquisition of the reserved point manager from the subtracted amount of the original points. Note that the commission for the acquisition of the original point manager need not be included in the original fund.

(S204)
Next, the update unit 333 of the original point management system 30 executes the original point subtraction processing for the target user ID based on the original point subtraction processing request received from the reserved point management system 10. Specifically, the update unit 333 subtracts the original point balance associated with the target user ID in the original point ledger table stored in the storage unit 32 by the amount of subtraction specified in the original point subtraction processing request. I do. At this time, when a plurality of expiration dates are set in the original point ledger table, the updating unit 333 may preferentially subtract the original points near the expiration date.

(S205)
Next, the transmission unit 332 of the original point management system 30 transmits a notification that the original point subtraction processing has been completed (original point subtraction processing completion notification) to the reserved point management system 10. The receiving unit 131 of the reserved point management system 10 receives the original point subtraction processing completion notification. Note that the original point subtraction process completion notification may include information indicating the balance of the original points after the subtraction process in S204 has been executed.

  When the original point subtraction processing request is received in S203, the original point management system 30 may determine whether the original point balance is sufficient. Specifically, the original point management system 30 may determine whether or not the original point balance recorded in the original point ledger table is equal to or more than the subtraction quantity specified in the original point subtraction processing request. When it is determined that the original point balance is not equal to or more than the subtracted quantity, the original point management system 30 may transmit to the reserved point management system 10 a notification that the original point subtraction process cannot be executed instead of S205. . Furthermore, when receiving the exchange request from the user terminal 20, the reward point management system 10 may transmit a notification to the user terminal 20 that the exchange processing cannot be executed.

(S206)
Upon receiving the original point subtraction processing completion notification from the original point management system 30, the updating unit 136 of the accumulated point management system 10 executes a process of updating the accumulated point ledger table.

  Specifically, the updating unit 136 adds a predetermined number of the points of the reserved points associated with the target user ID in the reserved point ledger table. Here, when it is determined that the automatic exchange condition is satisfied (S201; Yes), the added amount of the reserve points is the amount defined in the automatic exchange content associated with the automatic exchange condition in the user information table. When it is determined that the exchange request has been received (S202; Yes), the number is a quantity specified in the exchange request transmitted by the user terminal 20, or a preset quantity. Further, when the information indicating the balance of the original points is included in the original point subtraction processing completion notification, the updating unit 136 may update the user information table based on the information.

(S207)
Next, the transmission unit 132 of the reserve point management system 10 transmits a notification of the success of the exchange to the user terminal 20. The receiving unit 251 of the user terminal 20 receives the exchange success notification.

(S208)
Next, the display processing unit 253 of the user terminal 20 causes the display unit 34 to display the exchange success notification received by the receiving unit 251. The exchange success notification is displayed, for example, by push notification or the like in the case of automatic exchange, or by a normal screen display or the like when the exchange request is transmitted from the user terminal 20 to the reserve point management system 10.

(S209)
In addition, when the transmission unit 332 of the source point management system 30 receives the source transfer request from the reserved point management system 10, it transmits the source transfer request to the source management system 40. The receiving unit 431 of the resource management system 40 receives the resource transfer request. Note that the processing does not necessarily need to be executed immediately after the update processing (S206) of the reserve point ledger table by the reserve point management system 10, and may be performed at regular timing such as, for example, every month.

(S210)
Next, the updating unit 433 of the resource management system 40 executes a resource transfer process based on the resource transfer request received from the source point management system 30. Specifically, the updating unit 433 of the resource management system 40 specifies the resource account related to the source point management system 30 that is the source of the resource transfer request in the resource account table. Then, the updating unit 433 updates the source account table so that a predetermined amount of the source specified in the source transfer request is transferred from the source account to the source account held by the manager of the reserve point. In addition, based on the source transfer request received from the source point management system 30, the updating unit 433 updates the source transfer record table by adding a new record related to the source transfer request to the source transfer record table.

(S211)
When the transmitting unit 332 transmits the fund transfer request to the fund management system 40, the transmitting unit 332 of the source point management system 30 transmits a fund transfer notification for notifying that the fund transfer request has been transmitted to the fund management system 40. It is transmitted to the management system 10. The receiving unit 131 of the reserve point management system 10 receives the resource transfer notification.

(S212)
Next, based on the source transfer notification received from the source point management system 30, the transmission unit 132 of the reserved point management system 10 sends a transfer record request (transfer record request) corresponding to the source transfer notification to the source management system 40. Send to The receiving unit 431 of the resource management system 40 receives the transfer record request.

(S213)
Next, upon receiving the transfer record request from the reserve point management system 10, the transfer record extraction unit 434 of the resource management system 40 extracts a transfer record corresponding to the transfer record request from the resource transfer record table stored in the storage unit 42. I do.

(S214)
Next, the transmission unit 432 of the resource management system 40 transmits the transfer record extracted by the transfer record extraction unit 434 to the reserve point management system 10. The receiving unit 131 of the reserve point management system 10 receives the transfer record.

(S215)
Next, the reconciliation processing unit 137 of the accumulated point management system 10 executes reconciliation processing between the resource transfer notification received from the source point management system 30 and the transfer record received from the resource management system 40. Specifically, the reconciliation processing unit 137 determines whether or not the transfer source, the transfer destination, the transfer amount, and the like included in each of the source transfer notification and the transfer record match each other. And whether or not the transfer record matches. Immediately after the above-described S206 is completed, the status of the accumulated points added by the updating process of the accumulated point ledger table may be set to an unusable state, and in this case, the accumulated point management system 10 The status may be changed to a usable state on condition that the matching process in S215 is successful. Thus, the funding process is completed.

  In the above-described embodiment, the source account of the transfer source and the source account of the transfer destination are managed by one resource management system 40. However, the source account of the transfer source and the source account of the transfer destination may be managed by different resource management systems 40, respectively. In this case, for example, in S208 described above, the resource management system 40A that manages the source account of the transfer source sends the resource of the predetermined amount designated in the source transfer request to the resource management system 40B that manages the source account of the transfer destination. A request to transfer from the source account of the transfer source to the source account of the transfer destination may be transmitted. Then, the resource management system 40A executes a process of reducing the predetermined amount for the transfer source source account, and the resource management system 40B executes a process of increasing the predetermined amount for the transfer source source account. Is also good. In this case, the reserved point management system 10 may transmit the transfer record request to the fund management system 40B that manages the transfer source fund account in S210 described above.

  As described above, in the point accumulation system 1, the automatic exchange conditions that define the conditions for exchanging the original points managed by the original point management system 30 into the accumulated points are stored in the storage unit 12. When the automatic exchange condition determining unit 134 determines that the automatic exchange condition is satisfied for the predetermined user, the transmission unit 132 subtracts at least a part of the original points from the predetermined user. An update request for updating the point ledger table is transmitted to the original point management system 30, and the updating unit 136 reserves a predetermined user to add the number of accumulated points based on at least a part of the original points. Update the point ledger table. Therefore, it becomes easy to manage the exchange of the original points to the reserved points.

  Arbitrary data including each table described as stored in the above-described storage units (the storage unit 12, the storage unit 22, the storage unit 32, the storage unit 42, and the like) is not limited to each system or terminal, but may be external data. After being stored and managed in the storage or the like, each system or terminal may access the external storage or the like as appropriate to acquire the information. Alternatively, arbitrary data including these tables may be stored and managed in a distributed ledger format inside and / or outside the point accumulation system 1.

  The embodiments described above are intended to facilitate understanding of the present invention, and are not intended to limit and interpret the present invention. The components included in the embodiment and their arrangement, material, condition, shape, size, and the like are not limited to those illustrated, but can be appropriately changed. It is also possible to partially replace or combine the configurations shown in different embodiments.

  DESCRIPTION OF SYMBOLS 1 ... Point accumulation system, 10 ... Point management system, 11 ... Communication part, 12 ... Storage part, 13 ... Processing part, 131 ... Reception part, 132 ... Transmission part, 133 ... Notification condition judgment part, 134 ... Automatic exchange condition Judgment part, 135 ... Exchange request reception judgment part, 136 ... Update part, 137 ... Matching processing part, 20 ... User terminal, 21 ... Communication part, 22 ... Storage part, 23 ... Operation part, 24 ... Display part, 25 ... Processing Unit, 251 reception unit, 252 transmission unit, 253 display processing unit, 30 original point management system, 31 communication unit, 32 storage unit, 33 processing unit, 331 reception unit, 332 transmission unit, 333: update unit, 40: resource management system, 41: communication unit, 42: storage unit, 43: processing unit, 431: reception unit, 432 ... transmission unit, 433: update unit, 434: transfer record extraction unit

Claims (15)

The first original point managed by the first original point management system is stored with a first exchange condition that defines a condition for exchanging the first original point for a reserved point, a type to which the first original point belongs, and ledger data of the reserved point. Storage unit to
For a predetermined user, an exchange condition determining unit that determines whether the first exchange condition is satisfied,
When the exchange condition determining unit determines that the first exchange condition is satisfied, the ledger of the first original point is subtracted from the predetermined user so that at least a part of the first original point is subtracted. A transmitting unit that transmits an update request for updating data to the first original point management system;
If the first exchange condition by said switching condition determination unit determines filled, to the predetermined user, adding the reserved points quantity based on at least a portion of the first original point Updating unit to update the ledger data of the reserve point,
Bei to give a,
The ledger data of the reserved points, for each user, for each of a plurality of types, the number of the reserved points corresponding to each type is recorded,
The updating unit updates ledger data of the reserved points by updating the number of the reserved points corresponding to the type to which the first original point belongs,
A point management system , wherein an arbitrary original point belongs to one of the plurality of types . The plurality of types are based on a method of calculating a tax applied when exchanging the reserved points for cash or merchandise obtained by exchanging arbitrary original points, or an arbitrary original point is issued by a prepaid payment means The point management system according to claim 1, wherein the point management system is classified based on whether or not to be performed. The first replacement condition, the predetermined first timing arrives, and the balance of the first original point includes at least one of reaching the predetermined first threshold value, according to claim 1 or 2 Point management system. The point management system according to claim 3 , wherein the predetermined first timing is defined based on an expiration date of the first original point. The point management system according to claim 3 , wherein the predetermined first timing is defined by a predetermined first cycle. A receiving unit that receives an exchange request for exchanging the first original point for the reserved point from the information processing device;
The transmitting unit, when the receiving unit receives the exchange request, the ledger data of the first original point so as to subtract at least another part of the first original point for the predetermined user. Sending an update request to update the first original point management system;
The updating unit, when the receiving unit receives the update request, adds, to the predetermined user, an amount of the reserve points based on the at least another part of the first original point. The point management system according to any one of claims 1 to 5 , wherein the ledger data of the reserved points is updated in advance. The said transmission part further transmits to the said 1st original point management system the original resource transfer request | requirement of transferring the resource defined based on at least one part of the said 1st original point as the resource of the said reserve point. Item 7. The point management system according to any one of Items 1 to 6 . A notification condition determination unit that determines whether a predetermined notification condition is satisfied,
And the transmission unit, the notification condition when the predetermined notification condition by the determination unit determines to be satisfied, and transmits a predetermined notification, point management system according to any one of claims 1 to 7. The predetermined notification condition, the predetermined second timing arrives, and the balance of the first original point includes at least one of reaching a second predetermined threshold, the point of claim 8 Management system. The point management system according to claim 9 , wherein the second predetermined timing is defined based on an expiration date of the first original point. The point management system according to claim 9 , wherein the predetermined second timing is defined by a predetermined second cycle. The point management system according to any one of claims 8 to 11 , wherein the predetermined notification includes at least one of information on the first original point and information on the reserve point. Wherein the predetermined notification, instruction to replace the first original point to the reserved points, the timing of the first original point is replaced with the reserved points, the first original point balance, expiration date of the first original point 13. The point management system according to claim 12 , further comprising at least one of: a number of the first original points to be subtracted, a number of the reserved points to be added, and a balance of the reserved points. The first original point managed by the first original point management system is stored with a first exchange condition that defines a condition for exchanging the first original point for a reserved point, a type to which the first original point belongs, and ledger data of the reserved point. Information processing device having a storage unit for performing
Determining, for a predetermined user, whether the first exchange condition is satisfied;
Performing a process of exchanging at least a part of the first original points associated with the predetermined user for the reserved points when it is determined that the first exchange condition is satisfied. And
The step of executing the process of exchanging for the reserve points,
And transmitting to the predetermined user, an update request for updating the ledger data of the first original point to subtract at least a portion of the first original point to the first original point management system ,
And updating with respect to the predetermined user, the register data of the reserved points to adding the reserved points quantity said based on at least a portion of the first original point,
Only including,
The ledger data of the reserved points, for each user, for each of a plurality of types, the number of the reserved points corresponding to each type is recorded,
Updating the ledger data of the reserved points includes updating the ledger data of the reserved points by updating the number of the reserved points corresponding to the type to which the first original point belongs;
The method wherein any source point belongs to any of the plurality of types . The first original point managed by the first original point management system is stored with a first exchange condition that defines a condition for exchanging the first original point for a reserved point, a type to which the first original point belongs, and ledger data of the reserved point. An information processing apparatus having a storage unit
For a predetermined user, an exchange condition determining unit that determines whether the first exchange condition is satisfied,
When the exchange condition determination unit determines that the first exchange condition is satisfied, an exchange that executes a process of exchanging at least a part of the first original points associated with the predetermined user for the reserved points. A processing unit and a program for functioning as a
The exchange processing unit,
To the given user, a request unit that transmits an update request to update the ledger data of the first original point to subtract at least a portion of the first original point to the first original point management system When,
To the predetermined user, an update unit for updating the ledger data of the reserved points to adding the reserved points quantity said based on at least a portion of the first original point,
Only including,
The ledger data of the reserved points, for each user, for each of a plurality of types, the number of the reserved points corresponding to each type is recorded,
The updating unit updates ledger data of the reserved points by updating the number of the reserved points corresponding to the type to which the first original point belongs,
The program , wherein the arbitrary original point belongs to any of the plurality of types .