JP6837705B2 - Card point simulation system - Google Patents

Description

The present invention relates to a card point simulation system that predicts points awarded by using a credit card and provides a method of using and selecting a credit card.

Credit cards are used to purchase goods and pay utility bills. In addition, credit cards have the advantage that it is not necessary to carry a large amount of cash when purchasing high-priced products, and it is easy to make payments when purchasing products on the Internet. It has become to. However, there are many types of credit cards and their services are diverse, so it is difficult to determine which credit card to choose and how to use it. Therefore, the use of credit cards may be hesitant, or contracts may be made with a large number of credit card companies that do not use them.

One of the major credit card services is a service that gives points when using a credit card. The points granted can be cashed back or exchanged for goods, mileage, etc. For example, Patent Document 1 describes the most advantageous credit card selection program and its method in consideration of the acquisition of points and the like.

JP-A-2010-140378

However, Patent Document 1 shows an advantageous choice of credit card in consideration of only the current conditions, and does not consider future changes. With credit cards, the content of the service may change according to time changes and usage conditions, such as when points have an expiration date, when the point rate of the next year fluctuates when a predetermined amount is used, etc., and these factors Credit card selection may not be optimal if is not taken into account. In addition, if time changes are not taken into consideration, it may be necessary to review the credit card selection every year and, in some cases, re-contract with a new credit card company, which may take time and effort.

Furthermore, in households, household spending may change significantly due to family life events such as going on to school for children, and credit card usage may change accordingly. Since household spending is largely related to the points awarded by using a credit card, it is highly likely that the optimal usage of a credit card will change as household spending changes. Therefore, it may not be possible to provide the optimum credit card selection and usage method without future prediction.

Therefore, an object of the present invention is to provide a card point simulation system in which future acquisition points are taken into consideration.

The card point simulation system of the first aspect is a card point simulation system that calculates points to be given when a card is used using a computer. The card point simulation system has a family information input unit for inputting the family composition of the household, a card information input unit for inputting the point expiration date and point rate for the card, an income input unit for inputting the household income, and a household. Select the spending input section for entering the spending for each predetermined item and whether or not to use each card for the spending item, and enter the card usage ratio for each item for each card to calculate the card points. A point calculation unit is provided, and after the point calculation unit, a point graphing unit that graphs the time transition of the calculated amount of points is provided. In addition, the time transition of the amount of points fluctuates in conjunction with the time transition of expenditure for each item.

In the card point simulation system of the second viewpoint, in the first viewpoint, the point expiration date and the point rate of a plurality of cards are input in the card information input unit, and the points of a plurality of cards are input in the point calculation unit or the point graphing unit. The amount of is compared.

In the card point simulation system of the third viewpoint, the type of the card is input in the card information input unit in the first viewpoint and the second viewpoint. The types of cards are transportation credit cards, aviation credit cards, bank credit cards, oil credit cards, automobile manufacturer credit cards, distribution credit cards, credit sales credit cards, consumer credit cards, or independent credit cards. Including credit cards.

In the card point simulation system of the fourth viewpoint, from the first viewpoint to the third viewpoint, the age of the family is input in the family information input unit, and the time transition of the amount of points is calculated based on the family composition input unit. It is calculated based on the time transition of spending calculated based on the time transition of life events and income.

In the card point simulation system of the fifth viewpoint, from the first viewpoint to the fourth viewpoint, the card information input unit selects hobbies and interests from a plurality of items, and the hobbies selected from the information of a plurality of cards. And a specific card is extracted based on the matters of interest, and a point expiration date and a point rate are input by selecting a part or all of the extracted cards.

The card point simulation system of the sixth viewpoint further has a target value input unit for inputting a target value of points before the point calculation unit from the first viewpoint to the fifth viewpoint, and is a point calculation unit or a point graphing unit. Now, let's derive a combination of cards in which the amount of points reaches the target value in the shortest time.

According to the card point simulation system of the present invention, the selection of the most advantageous card in consideration of future prediction regarding the acquisition of card points is provided.

It is a schematic block diagram of a card point simulation system 100. It is a flowchart which showed the operation process of the card point simulation system 100. (A) is a family information input screen 161 displayed on the display unit 113. (B) is a card information input screen 162 displayed on the display unit 113. The income input screen 163 displayed on the display unit 113. It is the expenditure input screen 164 displayed on the display unit 113. It is a graph which showed the time transition of the point amount. The expenditure shown in FIG. 5 displayed on the display unit 99 is a pie chart. It is a card information input screen 262 displayed on the display unit 113. It is the expenditure input screen 264 displayed on the display unit 113. It is a graph which showed the time transition of the point amount between card 1 and card 2. (A) is a card information input screen 362 displayed on the display unit 113. (B) is an input screen 363 of the income fluctuation condition displayed on the display unit 113. It is an input screen 364a of the fluctuation condition of the expenditure displayed on the display unit 113. It is the expenditure input screen 364b displayed on the display unit 113. It is a graph which showed the time transition of the total point when the card 1 and the card 2 are used in combination. It is a hobby input screen 462a displayed on the display unit 113. It is a card information input screen 462b displayed on the display unit 113. It is the expenditure input screen 464 displayed on the display unit 113. It shows how to use the card so that the total amount of points is the largest.

Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings. The scope of the present invention is not limited to these forms unless it is stated in the following description that the present invention is particularly limited.

(First Embodiment)
<Card point simulation system 100>
FIG. 1 is a schematic configuration diagram of a card point simulation system 100. The card point simulation system 100 is a system that calculates the points granted to a credit card in consideration of the user's expenditure and proposes the credit card that accumulates the most points for the user and the method of using the credit card. Further, the card point simulation system 100 may be used not only by a credit card user but also by an adviser who advises on the selection and usage of a credit card. In the following description, a person who uses the card point simulation system 100, including a user and an adviser, will be described as a user. The card point simulation system 100 includes a display terminal 90, an input terminal 110, and a server 130, and the input terminal 110 and the server 150 are connected to each other via a communication network such as the Internet 180.

The display terminal 90 is, for example, a mobile terminal such as a smartphone, a tablet terminal, or the like owned by a user who uses a credit card. The display terminal 90 has a GPS (Global Positioning System) 97 and a display unit 99. The GPS 97 measures the current position of the display terminal 90, and the display unit 99 displays the received content. Although not shown, it has a communication function with the Internet 180. By downloading the application to the display terminal 90, it may have the same function as the input terminal 110 described below.

The input terminal 110 is, for example, a personal computer, a mobile terminal such as a smartphone, a tablet terminal, or the like. Although not shown, it is preferable to have a USB memory or fingerprint authentication having a communication function with the Internet 180 and having management software for improving the security in order to enhance the security of the input terminal 110.

The input terminal 110 includes an input unit 111, a storage unit 112, a display unit 113, a point calculation unit 116, a point graphing unit 117, and a reminder notification unit 118. The input unit 111 is, for example, a keyboard of a personal computer or a touch panel of a tablet terminal, and a user can input information from the input unit 111. Various data can be input or selected from the input unit 111 using various screens displayed on the display unit 113. The screen and the input unit 111 constitute a family information input unit, a card information input unit, an income input unit, an expenditure input unit, a target value input unit, and a hobby input unit. Further, a camera attached to a mobile terminal or a tablet terminal, or an independent camera can also be used as an input unit. For example, by taking a picture of a credit card with a camera, it becomes a card information input unit. In addition, by taking a picture of a salary statement, a receipt for food and drink, or a card payment statement with a camera, it becomes an income input unit or an expenditure input unit.

The storage unit 112 is, for example, a memory, a hard disk, or the like, and can store card information 121, user information 122, and the like, which are credit card information. The storage unit 112 stores, as the card information 121, the front image of the credit card on the market, the card type for each credit card, the point expiration date, and the point rate. In addition, the storage unit 112 also stores information characteristic of the credit card (for example, double points for those aged 60 and over) as other information of the card information 121. The card information 121 is appropriately updated based on the card information 141 stored in the server 130. The user information 122 is personal information such as a user's date of birth, family structure, e-mail address, and telephone number. Further, the user information 122 includes income information input from the income input screen described later and expenditure information input from the expenditure input screen.

The point calculation unit 116, the point graphing unit 117, and the reminder notification unit 118 include, for example, a CPU and a software program. The point calculation unit 116 calculates the amount of points to be given based on the input information. The point graphing unit 117 causes the display unit 113 to display the calculated graph. The reminder notification unit 118 notifies the display terminal 90 of the user of the reminder to use the credit card. Further, based on the current position information sent from the GPS 97 of the display terminal 90, the reminder notification unit 118 displays the store where the user's credit card can be used on the display terminal 90, or displays the point rate. Display expensive stores or display stores that you want to recommend to users. The display unit 113 is, for example, a display that displays a calculation result, and when the input terminal 110 is a tablet terminal or a mobile terminal, it is the same portion as the input unit 111.

The server 130 has a storage unit 131 and a calculation unit 132. The storage unit 131 can store card information 141, user information 142, and the like, which are credit card information. The card information 141 of the storage unit 131 of the server 130 is substantially the same as the card information 121 stored in the input terminal 112. The user information 142 is also substantially the same as the user information 122 stored in the input terminal 112. Further, the calculation unit 132 calculates the amount of points to be given based on the input information, and calculates points, similarly to the point calculation unit 116, the point graphing unit 117, and the reminder notification unit 118 of the input terminal 110. Graph or notify you of a reminder to use your credit card. In this embodiment, the operation of the point calculation unit 116, the point graphing unit 117, and the reminder notification unit 118 of the input terminal 110 will be mainly described, but when they are not present in the input terminal 110 (the software program is not installed). In the case), the server 130 operates in the calculation unit 132 based on the input information.

In the card point simulation system 100, the user information input by the user from the input terminal 110 is sent to the server 130 via the Internet 180. The input user information can be stored in the storage unit 112 of the input terminal 110 or the storage unit 131 of the server 130. Further, the user refers to the card information 121 or the card information 141, which is the credit card information stored in the storage unit 112 of the input terminal 110 or the storage unit 131 of the server 130, and the credit card being used or desired to be used in the future. Can be selected. The calculation of the point amount and the like may be performed by the point calculation unit 116 of the input terminal 110 or by the calculation unit 132 of the server 130.

FIG. 2 is a flowchart showing the operation process of the card point simulation system 100. The operation of the card point simulation system 100 will be described below with reference to FIG.

In step S101, the credit card user and the user family information are input. The user inputs household information such as family information of the credit card user via the input unit 111 of the input terminal 110. In particular, for users, not only their names but also personal information such as addresses, email addresses, and telephone numbers are input. This is to encourage the user to use the credit card by e-mail or the like from the reminder notification unit 118.

FIG. 3A is a family information input screen (input unit) 161 displayed on the display unit 113 of the input terminal 110. The family information input screen 161 of FIG. 3A shows a table having an input field 161a for the family structure and an input field 161b for the age of each family. In addition, there is a scroll bar 161c in the table so that a large number of people can input.

The input of each field may be freely described by the user, or an input method in which options are shown and selected from them may be used. The age input field 161b may be provided with a date of birth input field instead. Some credit cards have different point rates depending on the use of the credit card in the month of birth, and when entering the date of birth, it is also possible to guide the optimal credit card usage by considering the monthly credit card usage status. Is. In addition, input fields for other information such as the gender and occupation of each family may be provided.

Returning to FIG. 2, in step S102, the user inputs the user's credit card information from the input unit 111 of the input terminal 110 via the card information input screen.

FIG. 3B is a card information input screen (input unit) 162 displayed on the display unit 113. In FIG. 3B, the information of the credit card currently used and the information of the credit card considered to be used in the future are input. On the card information input screen 162 of FIG. 3B, for example, the card type of the credit card, the point expiration date, the point rate, and the remarks are input.

The user inputs the credit card name in the card input field 162a. Instead of entering the card name itself, in the drop-down menu, hierarchically (operating company, grade of gold platinum, etc.) in the drop-down menu, think about the information of the credit card you are currently using and future use You may be able to select the information of the credit card you are using. Further, when inputting or selecting the information of the credit card to be used in the future, "undecided" may be input or selected. Further, a camera (not shown) of the input terminal 110 can also be used as the input unit 111. Take a picture of the front side of your credit card with a camera. The image is recognized as image data or characters / numbers and collated with the credit card stored in the card information 122 or the card information 141. The card type, point expiration date, point rate, etc. of the collated credit card are automatically entered in each input field.

When, for example, "○○ Bank ☆☆ Gold Card" is entered or selected in the drop-down menu in the input field 162a, the card type input field 162b, the point expiration date input field 162c, and the points will be described later. The rate input field 162d is automatically input. That is, the specific card input in the input field 162a is collated with the card information 121 stored in the input terminal 110 or the card information 141 in the server 130. Then, the card type, point expiration date, and point rate registered with the entered credit card are entered in the respective input fields. In addition, if the credit card has characteristic merits and demerits, that fact is described in the remarks column 162e.

When, for example, "Undecided" is entered in the input field 162a or selected in the drop-down menu, the user can enter the desired card type input field 162b, point expiration date input field 162c, and point rate input field. In 162d, enter the card type, expiration date and point rate, respectively, or select from the drop-down menu.

For example, the following card types are input or selected in the card type input field 162b. Transportation credit cards that make it easy to collect points by using transportation, aviation credit cards that are suitable for accumulating aircraft mileage, bank credit cards that are suitable for receiving banking services, discounts on gasoline refueling, etc. There are petroleum credit cards, automobile manufacturer credit cards suitable for car purchases and loan payments, distribution credit cards that can receive discounts at affiliated stores of credit card issuers, and credit cards issued by credit card companies. This is a type of credit card, a consumer credit card issued by a consumer credit company, or an independent credit card that can receive the characteristic services of a credit card issuer such as a telephone company or a hotel. By inputting or selecting these characteristics, the user can easily grasp the characteristics of the credit card.

In the point expiration date input field 162c, the point expiration date is input. In FIG. 3B, 3 years is entered as the expiration date of the points, and it is shown that the points disappear 3 years after the points are acquired. The card type entered in the card type input field 162b is collated with the card information 121 of the input terminal 110 or the card information 141 in the server 130 so that the user does not know the point expiration date. Then, a plurality of expiration dates (for example, 6 months, 1 year, 2 years, 3 years, 5 years, or indefinite period) existing in the card type are displayed in the drop-down menu.

The point rate input field 162d represents the points given to the credit card usage amount. In FIG. 3B, it is shown that 0.5 pt (pt: a unit of points) is given for the use of 100 yen of a credit card. In the remarks column 162e, reference information and the like regarding the credit card are input. FIG. 3B shows that the advantage of the card 1 is that the ATM fee is free.

The value of 1pt depends on the issuing company of the credit card. For example, 1 pt may be worth 1 yen or 0.5 yen. In some cases, points can be exchanged for mileage, but the exchange rate also differs depending on the credit card issuer. In this case, it may be difficult to accurately determine the value of the points. Therefore, in the point rate input field 162c, a value adjusted so that 1 pt is the value of 1 yen may be input. .. Further, the value of the points may be calculated by providing a column for correcting 1 pt as 1 yen on the expenditure input screen (input unit) 164 (see FIG. 5) described later. In the following, it will be described that 1 pt has a value of 1 yen.

Although only one type of credit card information is shown in FIG. 3B, information on a plurality of credit cards may be input on the card information input screen 162. In this case, the information of a plurality of credit cards is input in advance and recorded in the storage unit 112 of the input terminal 110 or the storage unit 131 of the server 130. Then, the target credit card can be selected by checking the check box 162f arranged next to each credit card.

Returning to FIG. 2, in step S103, the user inputs the income of the user's household from the input unit 111 of the input terminal 110 via the income input screen. Although not detailed, by taking a picture of a pay slip, a withholding slip, etc. with the camera of the input terminal 110,

FIG. 4 is an income input screen (input unit) 163 displayed on the display unit 113. The number of pages of the income input screen 163 is changed according to the family structure input on the family information input screen 161. For example, if you are 18 years old or older, you will create an income input screen 163 for the number of people 18 years old or older, assuming that you may have income. On the first income input screen 163, the income of the first household (for example, husband) of the household is input. In the income input screen 163 shown in FIG. 4, the monthly "transfer salary" input frame 163a, the monthly "take-home salary" input frame 163b, the "take-home bonus (summer)" input frame 163c, and the "take-home bonus (winter)" Enter the amount in the input frame 163d. By inputting these amounts, the amount of other slots such as the total amount is automatically calculated. In addition, it is considered that the total amount of household income will increase at a predetermined rate every year until the retirement age, for example, the income of next year will be 102% of the income of this year. In addition, it is considered that the retirement age will decrease at a predetermined rate every year after the retirement age, for example, after the age of 58. The rate of increase / decrease in income may be set in advance as a predetermined rate, or may be set by the user. If there is no income from the household of the second person (for example, wife) of the household, all "0" or "-" is input on the first income input screen 163.

In step S104, the user inputs the expenditure of the user's household for each predetermined item from the input unit 111 of the input terminal 110 via the expenditure input screen.

FIG. 5 is an expenditure input screen (input unit) 164 displayed on the display unit 113. On the expenditure input screen 164, "expenditure fluctuation" column 164a, "item" column 164b, "expenditure (monthly)" column 164c, "expenditure (annual)" column 164d, "bonus" column 164e, "total" 164f, a "check" column 164g for card use, a "ratio" column 164h for card use, and a "point" column 164i.

In the "item" column 164b, a plurality of items related to expenditure are described. As the description of the item, the item described in advance can be used, or the item may be added or deleted by the user. In the "expenditure fluctuation" column 164a, whether the cost of each item is a fixed cost or a variable cost is input. If it is a fixed cost, "fixed" is input, and if it is a variable cost, "variable" is input. For items that are considered variable costs, for example, 101% or 99% of this year's expenditure is calculated as next year's expenditure, and it is also taken into consideration that the expenditure cost increases or decreases year by year. The rate of fluctuation may be a preset specified value, no fluctuation, or may be set by the user.

In the "Expenditure (Monthly)" column 164c, the monthly expenditure is entered for each item. In the description of column 164c of "expenditure (monthly)", the total of 164j of column 164c of "expenditure (monthly)" is described so as to match the amount of "take-home salary" 163b for the month of FIG. In the "expenditure (annual)" column 164d, it is automatically calculated based on the value in the "expenditure (monthly)" column 164c, and the total of 164k in the "expenditure (annual)" column 164d is the annual "expenditure (annual)" in FIG. Matches the amount of "take-home pay". Further, in the "bonus" column 164e, the bonus expenditure is entered for each item so that the total of 164 m matches the "take-home total" of the bonus of FIG. In the "total" column 164f, the total amount of the "expenditure (annual)" column 164d and the "bonus" column 164e is calculated for each item. The total of 164n in the “total” column 164f corresponds to the total amount of the “take-home total” in FIG.

Returning to FIG. 2, in step S105, the item for which the card is used is selected, and the card usage ratio is input for each item, so that the point calculation unit 116 calculates the earned points.

In the "check" column 164g of card use in FIG. 5, the item for which a credit card is used is checked for each item, and in the "ratio" column 164h, the credit card usage ratio for each item is also the total amount. Will be filled in. For items that are not checked in the "check" column 164g, the "ratio" is 0%. In the "points" column 164i, for each item, the amount of money in the "total" column 164f, the "ratio" column 164h, and the value of the point rate 162c on the card information input screen 162 of FIG. 3 (b) are used for the year. The points that can be obtained with are calculated. In addition, a total of 164p in the "points" column 164i indicates points that can be earned in a year.

In step S106, the point graphing unit 117 graphs the time transition of the point amount. In step S106, the time transition of the point amount is shown in the graph so that the change with the passage of time such as the total amount of points acquired in each year and the total amount of points acquired in each year becomes clear.

FIG. 6 is a graph showing the time transition of the point amount. The horizontal axis of FIG. 6 shows the number of years elapsed, and the leftmost "first year" shows the current state. The "second year" indicates the state of next year, and the "third year" indicates the state of the next year. The vertical axis of FIG. 6 shows the amount of points. As shown in the expiration date 162c of FIG. 3 (b), the expiration date is set to 3 years, and the variable expenditure shown in FIG. 4 is shown as an increase.

In the "first year" of FIG. 6, as shown in the total of 164p of FIG. 5, the credit card user earns 5,940 pt as the amount of points, and the total of points, which is the total of the amount of points, is 5, It becomes 940pt. In the "second year", 6,105 pt will be earned as the amount of points, and the total points will be 12,045 pt. In the "third year", the amount of points is 6,278pt, and the total points are 18,323pt. From the 1st year to the 3rd year, the amount of points earned in each year also increases, and the total amount of points also increases because the amount of points earned in each year is added.

In the "fourth year", the points earned in the "first year" of 5,940 pt will disappear after the point expiration date. Therefore, although the total points increase from the "third year", the amount of increase will be significantly lower than that between the "first year" and the "third year".

As shown in FIG. 6, the amount of points that can be earned each year, the amount of points that disappear, and the time change of the total points are shown, which makes it easier to know the total points in the future and uses the acquired points. It can be used as a material for thinking about the method. In addition, the adviser can easily advise the credit card user on how to use the credit card.

For example, an adviser can propose that if a credit card user enjoys traveling, he / she goes on a trip every three years and consumes about 20,000 pt accumulated in three years. As a result, the disappearing points can be effectively utilized. In addition, if the credit card user is interested in eating, he / she can make a proposal such as eating out using about 6,000 pt that occurs every year.

Returning to FIG. 2, in step S107, after the above proposal, the reminder notification unit 118 sends an e-mail or the like to the personal display terminal (mobile phone, etc.) one week or one month later, and more regularly, to promote the use of the card. send. Referring to FIG. 5, for example, the fixed cost of housing is not paid by credit card (0%). In response to this, the reminder notification unit 118 asked, for example, "Why don't you pay the housing expenses with a credit card?" Or "Why don't you pay the entertainment expenses with a credit card?" I will contact you.

Further, the reminder notification unit 118 makes a pie chart of the result input on the expenditure input screen shown in FIG. 5 and sends it to the user's display terminal 90. FIG. 7 is a pie chart of the expenditure shown in FIG. 5 displayed on the display unit 99. The pie chart shows the percentage of the amount used and its items, as well as the percentage of payments made using a credit card (%) in that item. Also, the display of fixed costs and variable costs has been changed. The user can themselves, to recognize or are paying with a credit card to any such items, including be whether it is a variable cost.

Further, in step S107, the reminder notification unit 118 displays a store close to the current position and where the user's credit card can be used, based on the current position information sent from the GPS 97 of the display terminal 90. It may be displayed on the display unit 99 of the terminal 90. Further, the reminder notification unit 118 may display a store close to the current position and having a high point rate on the display unit 99 of the display terminal 90. Furthermore, the reminder notification unit 118 may display the store that the user wants to recommend when a user with similar income is shopping at such a store.

(Second Embodiment)
In the card point simulation system 100, a plurality of credit cards may be compared and examined. Also in this case, the operation of the card point simulation system 100 is basically performed according to the flowchart of FIG. The case where two credit cards are compared will be described below while showing the steps particularly different from those of the first embodiment.

FIG. 8 is a card information input screen 262 displayed on the display unit 113. FIG. 8 shows an input screen for card information input in the card information input in step S102 of FIG. In FIG. 8, the information of the two credit cards, the card 1 and the card 2, is input, and the check box 162f is checked and selected. Card 1 is a bank card, and it is entered that the point expiration date is 3 years and the point rate is 0.5 pt per 100 yen. In addition, the remarks indicate that there is no cash back for points. Card 2 is a bank card, has no point expiration date, and is input to the effect that the point rate is 0.3 pt per 100 yen. In addition, the fact that points are cashed back is entered in the remarks.

FIG. 9 is an expenditure input screen (input unit) 264 displayed on the display unit 113. FIG. 9 shows an input screen for household expenditures input in the expenditure input in step S104 of FIG. In FIG. 9, "expenditure fluctuation" column 164a, "item" column 164b, "expenditure (monthly)" column 164c, "expenditure (annual)" column 164d, "bonus" column 164e, "total" column 164f, the “check” column 164g for card use, and the “ratio” column 164h for card use are the same as in FIG. Further, the "card 1" in the "point" column 164i is the same as in FIG. FIG. 9 is different from FIG. 5 in that the “card 2” in the “point” column 164i is displayed.

Card 1 is calculated at 0.5 pt per 100 yen shown in the point rate of FIG. 8, and card 2 is calculated at 0.3 pt per 100 yen. The total points of card 1 are 5,940 pt, and the total points of card 2 are 3,564 pt. The sum of these points is the current result.

FIG. 10 is a graph showing the time transition of the amount of points between the card 1 and the card 2. The horizontal axis represents the number of years elapsed, and the vertical axis represents the amount of points. The points earned in each year are higher for card 1 than for card 2 during the entire period from "1st year" to "7th year". Further, with card 1, the total points from the "1st year" to the "3rd year" increase significantly as in FIG. 6, but the total points increase gradually after the "4th year". On the other hand, the number of cards 2 increases at a substantially constant rate from the "1st year" to the "7th year". Also, from "1st year" to "5th year", card 1 has a larger total points than card 2, but after "6th year", card 2 has a larger total points than card 1. Become.

When considering the selection of card 1 and card 2, in the "first year", as shown in FIG. 9, 5,940 points can be obtained when card 1 is used, and 5,940 points can be obtained when card 2 is used. You can get 3,564 points. Therefore, when only the "first year" is considered, the card 1 is preferable. However, when the time transition of the point amount and the conditions of the card 1 and the card 2 are compared, different results may be obtained.

For example, when it is desired to accumulate points and exchange them for high-class products, it is conceivable to select card 2 because card 2 having no expiration date of points accumulates points in a longer period of time than card 1. In addition, considering that the usage of points is limited because card 1 cannot be cashed back and the difference in long-term total points between card 1 and card 2, card 2 has a lower total points but is used for usage. If it is judged that the difference in total points is not large, it is possible to select card 2.

When the card comparison is performed in consideration of the time transition as described above, the characteristics of the cards may appear more strongly, and it is preferable because the credit card can be selected from a long-term perspective.

(Third Embodiment)
In the card point simulation system 100, comparison of credit cards and examination of usage may be performed in consideration of various characteristics of credit cards as well as fluctuations in income and expenditure associated with household life events. Also in this case, the operation of the card point simulation system 100 is basically performed according to the flowchart of FIG. The case where two credit cards are compared will be described below while showing the steps particularly different from those of the first embodiment and the second embodiment.

FIG. 11A is a card information input screen 362 displayed on the display unit 113. FIG. 11A shows an input screen for card information used for inputting card information in step S102 of FIG. In FIG. 11A, the information of the two credit cards, the card 1 and the card 2, is input, and the check box 162f is checked and selected. Card 1 is a bank-type card, has no point expiration date, and has a point rate of 0.5 pt per 100 yen. In addition, there is a feature that ATM fees are free. Card 2 is a distribution card, has no point expiration date, and has a point rate of 0.25 pt per 100 yen. In addition, the card 2 is characterized in that four times as many points are added when the card 2 is used at an affiliated store that handles food, clothing, and daily necessities.

FIG. 11B is an input screen 363 of the income fluctuation condition displayed on the display unit 113. In step S103, the income of the household as shown in FIG. 4 is input, but the user of the card point simulation system 100 may further determine the fluctuation of the income over the elapsed years. FIG. 11B is an input screen for determining the fluctuation of the income. FIG. 11B shows that 105% of the total take-home pay for the previous year is shown as the total take-home pay for the calculated year. For example, the total income taken in the "second year" is calculated as 105% of the "first year", and the total income taken in the "third year" is calculated as 105% of the "second year".

FIG. 12 is an input screen 364a for fluctuation conditions of expenditure displayed on the display unit 113. FIG. 12 shows an input screen for fluctuation conditions of expenditure used for inputting expenditure in step S104 of FIG. In FIG. 12, three fluctuation conditions of fluctuation condition 1, fluctuation condition 2, and fluctuation condition 3 are set. Fluctuation condition 1 indicates that when a child turns 10 years old, 5% of his / her income will be calculated as expenditure for education. Fluctuation condition 2 indicates that 105% of the previous year's expenditure is calculated as expenditure. Variable condition 3 indicates that the remainder of salary minus other expenditures is calculated as expenditures.

FIG. 13 is an expenditure input screen 364b displayed on the display unit 113. In the "expenditure fluctuation" column 164a, three "fixed", "variation 1", "variation 2", and "variation 3" are set. "Fixed" has no time variation of the item, "Variation 1" has the variation condition 1 of FIG. 12 applied to the item, "Variation 2" has the variation condition 2 of FIG. 12 applied to the item, and "Variation 3" has the variation condition 2 of FIG. The variable condition 3 of FIG. 12 is applied to the item. "Variation 1" is applied to educational expenses, and "Variation 2" is applied to food expenses, transportation expenses, daily necessities, pocket money, hobbies, clothing, entertainment expenses, and other items. "Fluctuation 3" is applied to travel savings. "Travel savings" is a new item added to FIG. 5, and is different from "savings" for travel savings. Since Fluctuation 3 is applied to travel savings, travel savings are recorded as the remainder of salary minus other expenditures.

In FIG. 13, for the card 1 and the card 2, a check box for selecting each item and an input field for the ratio are set. Card 1 is checked for items such as utility costs, communication costs, insurance, education costs, transportation costs, hobbies, etc., and card 2 is checked for items such as food costs, daily necessities, and clothing. In such a selection, as shown in FIG. 11A, the basic point rate is higher for the card 1, so the basic card usage is the card 1, and the points are quadrupled for the card 2. Card 2 is used at affiliated stores.

In the "points" column 164i, the points of the card 1, the points of the card 2, and the total points thereof are shown. It is shown that card 1 can get 3,840 points and card 2 can get 4,200 points, for a total of 8,040 points.

FIG. 14A is a graph showing the time transition of the total points displayed on the display unit 113 of the input terminal 110 when the card 1 and the card 2 are used in combination. In FIG. 14A, the horizontal axis shows the number of years elapsed, the vertical axis on the left shows the point amount (pt) or the amount (10 yen), and the vertical axis on the right shows the amount (thousand yen). It is shown. In the bar graph of FIG. 14A, the vertical axis on the right side is referred to, and represents the amount of money (thousand yen). The bar graph shows the education costs to which the variable condition 1 is applied for each year, the fixed costs, the total amount of the variable condition 2, and the travel savings indicated by the variable condition 3. The total points shown in the line graph are represented by the amount of points (pt) on the left vertical axis, and the total travel savings are represented by the amount (10 yen) on the left vertical axis.

Education costs are not taken into account in the "first year" and "second year", but education costs are incurred in the "third year". This is because the child 1 (see FIG. 3A) is 10 years old and the variable condition 1 is applied. Also, from the "fifth year", child 2 (see Fig. 3 (a)) will also be 10 years old, so education costs for 22 children will be incurred. Due to the occurrence of such educational expenses, travel savings have become negative in the "fifth year", and total travel savings have also declined. However, the negative amount of travel savings decreased in the "6th year" and turned positive in the "7th year".

In the third embodiment, for example, if it is decided to go on a trip when the total of travel savings and total points exceeds 400,000 yen, it will exceed 400,000 yen in the "fourth year", so that "fourth year" You can plan to go on a trip. In addition, since it will be less than 400,000 yen in the "fifth year", it can be decided to travel again in the "sixth year" when the total travel savings and the total points exceed 400,000 yen. Furthermore, since travel savings will turn positive after the "7th year", it is possible to decide to travel after the "7th year" when there is plenty of room.

In this way, it is preferable to consider fluctuations in income such as household life events because it is possible to plan how to use the credit card and when to use it more concretely. Although education costs are taken into account in FIG. 14 (a), various future changes may be taken into consideration, such as when purchasing a car and taking out a loan.

Further, the card point simulation system 100 has a target value input screen (target value input unit 111) for inputting a target value of the total amount of points to be acquired before the point calculation unit (S105 in FIG. 2). Is also good. For example, if you want to accumulate 50,000 points in total, you can enter this to calculate how many years it will take to earn that amount of points. As shown in FIG. 14, it is the "sixth year" to earn 50,000 points. Therefore, it can be seen that the target amount of points can be obtained in the sixth year.

When you click the black circle of the total points of the graph shown in FIG. 14 (a) with your finger, a pop-up display shows how many tickets can travel at the points of the graph. For example, when the black circle in the third year indicated by the arrow 365 in FIG. 14A is clicked, the pop-up screen 365 in FIG. 14B is superimposed on the graph. Here, "At this point, it is possible to travel for one domestic travel ticket." Further, for example, when the black circle of the sixth year indicated by the arrow 366 of FIG. 14A is clicked, the pop-up screen 366 of FIG. 14C is superimposed on the graph.

(Fourth Embodiment)
There are various credit cards in the world, and it is thought that there are many credit cards that the user does not know. Therefore, the card point simulation system 100 may propose a plurality of credit cards and allow the user to select from among them. An example in which the card point simulation system 100 proposes a credit card is shown below.

FIG. 15 is a hobby input screen (input unit) 462a displayed on the display unit 113. FIG. 15 is shown as a screen used for the card information input unit in step S102 of FIG. In FIG. 15, a plurality of items that may correspond to hobbies, interests, etc. are shown, and among these items, the item that the credit card user is interested in is checked, or the keyword that is of interest is selected. Fill in the other items. In FIG. 15, a state in which the items of “overseas travel” and “shopping” are checked is shown.

FIG. 16 is a card information input screen 462b displayed on the display unit 113. In the card point simulation system 100, a credit card considered to be related to the result of the check item in FIG. 15 was extracted from the card information 121 or the card information 141 and displayed on the card information input screen 462b, and the user was extracted. Check and select some or all of the cards you care about from multiple cards. FIG. 16 shows a state in which three card check boxes are checked and selected from the cards presented to the card point simulation system 100.

In FIG. 16, the card 1 is a bank-type card, has no point expiration date, and has a point rate of 0.3 pt per 100 yen. In addition, it has the characteristic that the points are tripled when used overseas, and it is considered that it suits the taste of the user because it is strong in using the card overseas. Card 2 is a distribution card, has no point expiration date, and has a point rate of 0.5 pt per 100 yen. In addition, the card 2 is characterized in that double points are added when the card 2 is used at an affiliated store that handles clothing, and is considered to suit the tastes of users who like shopping. Card 3 is a credit card, has no expiration date for points, and has a point rate of 0.3 pt per 100 yen. In addition, the card 3 has a feature that if the card 3 is used for 2 million yen a year, the points will be doubled the next year, which may suit the tastes of users who like shopping and are considered to use the card frequently.

FIG. 17 is an expenditure input screen (input unit) 464 displayed on the display unit 113. In column 164a of "expenditure fluctuation", "fixed", "variation 2", and "variation 3" are shown. "Fluctuation 2" and "Variation 3" follow the conditions shown in Fig. 12, and "Food expenses", "Transportation expenses", "Daily necessities", "Pocket money", "Clothing", and "Entertainment expenses" are set as "Variations 2". And "savings" is set as "fluctuation 3". The other item is "fixed".

In FIG. 17, a “card usage amount” column 464i is provided, and the card usage amount for each item is shown. Since the point rate of the card 3 changes when it exceeds 2 million yen, the card usage status of each item can be confirmed by displaying the card usage amount, and the card usage ratio can be easily adjusted. Further, in FIG. 17, a “point rate” column 464j is provided, and the point rates of the card 1, the card 2, and the card 3 are displayed. With card 1, it is usually 0.3, but only the item for overseas travel is tripled to 0.9. With card 2, it is usually 0.5, but with regard to clothing, it is 1.0, which is twice the normal value because it is purchased at an affiliated store of a credit card company. In addition, with card 3, it is usually 0.3, but if the card usage amount exceeds 2 million yen, it will be 0.6 from the next year. At the moment, it does not exceed 2 million yen, so 0.3 is applied.

FIG. 18 is a graph showing the time transition of the total points. The horizontal axis shows the number of years elapsed, the left vertical axis shows the amount of points (unit: pt), and the right vertical axis shows the amount (thousand yen). The bar graph in FIG. 18 shows the card usage amount for the year, and the amount is shown on the right vertical axis. In the "first year", the card usage amount is 1,947,000 yen shown in FIG. 17, and in the "second year", it is 2,07,950 yen, which exceeds 2 million yen.

Card 1 is represented by a white diamond, card 2 is represented by a white quadrangle, and card 3 is represented by a white triangle. In the "1st year" and the "2nd year", the card 3 has the lowest point rate, so the amount of points to be earned is the lowest, and the card 2 with the highest point rate has the highest amount of points to be earned. After the "third year", the amount of points earned by the card 3 is the largest, and the amount of points earned by the card 2 is the smallest. Regarding card 3, since the card usage amount exceeded 2 million yen in the "second year", the point rate in the "third year", which is the following year, has doubled. After the point rate of card 3 is doubled, card 3 gets the most points.

In the card point simulation system 100, it is possible to propose a usage method in which the most points of the selected cards 1, card 2, and card 3 are accumulated. The black-painted round dotted line in FIG. 18 shows the point amount of the best usage form of the card from which the most point amount can be obtained. In the "first year", as shown in the "point rate" column 464j of FIG. 17, card 2 has the highest point rate except for the items of overseas travel. Therefore, in order to obtain the largest amount of points, it is conceivable to use card 1 for overseas travel and card 2 for other items. The same applies to the "second year".

In the "third year", the amount of points is the largest when using the card 3 whose point rate is doubled. The point rate for overseas travel and clothing is higher than that for card 3, but when card 1 and card 2 are used for overseas travel and clothing, the amount spent on card 3 falls below 2 million yen per year, and the point rate for the following year. Card 3 is used for all items.

In the "4th year", even if card 2 is used only for clothes, the card usage amount of card 3 does not fall below 2 million yen, so card 2 with a high point rate is used only for clothes, and cards are used for other items. 3 is used. In the "fifth year", card 1 is used for overseas travel, which is larger than clothing, and card 3 is used for other items. In the "sixth year", the amount of money used for clothing is larger than that for overseas travel, so card 2 is used for clothing and card 3 is used for other items. In the "7th year", even if card 1 and card 2 are used for overseas travel and clothing, the card usage amount of card 3 does not fall below 2 million yen. Therefore, the card 1 is used for overseas travel, the card 2 is used for clothing, and the card 3 is used for other items.

FIG. 18 shows how to use the card so that the total amount of points is the largest. By calculating the total points as shown in FIG. 14 based on this method, it is possible to predict how many points can be accumulated in what year.

Further, in the card point simulation system 100, the best usage pattern of the card as shown in FIG. 18 and the target value input screen (target value input unit 111) are combined to reach a predetermined point amount in the shortest time. The combination and its usage may be presented.

As shown in the first to fourth embodiments, there are many types of credit cards, and it is difficult to determine the selection thereof. In the card point simulation system 100, what kind of credit card usage method can be considered by considering the life event of the household, calculating the specific usage state, and visually confirming the transition of the point amount. And what kind of credit card to choose can be considered in an easy-to-understand manner.

The optimum embodiment of the present invention has been described in detail above, but as will be apparent to those skilled in the art, the present invention can be implemented by making various changes and modifications to the embodiment within its technical scope. In addition, the features of each embodiment can be combined in various ways.

For example, in the above embodiment, the point rate per 100 yen is shown, and one point is considered to be worth one yen. However, since the value per point may differ depending on the credit card company, the point calculation unit and the point graphing department convert the value of 1 point into a monetary amount, etc., or standardize it so that the value of points can be compared. It may be represented.

100 ... Card point simulation system 110 ... Input terminal, 111 ... Input unit 112, 131 ... Storage unit 113 ... Display unit 116 ... Point calculation unit, 117 ... Point graphing unit 121 ... Card information 122 ... User information 130 ... Server 161 … Family information input screen (input section), 161a… Family composition input field 161b… Each family age input field, 161c… Scroll bar 162, 262, 362, 462b… Card information input screen (input section)
162a ... Card type input field 162b ... Point expiration date input field 162c ... Point rate input field 162d ... Remarks field, 162e ... Check box 163 ... Income input screen (input section)
163a… Monthly “transfer salary” input frame 163b… Monthly “take-home salary” input frame 163c… “take-home bonus (summer)” input frame 163d… “take-home bonus (winter)” input frame 164, 264, 364b, 464… Expenditure input screen (input section)
164a… “Expenditure fluctuation” column 164b… “Item” column, 164c… “Expenditure (monthly)” column 164d… “Expenditure (annual)” column, 164e… “Bonus” column 164f… “Total” Column, 164g ... "Check" column for card use 164h ... "Ratio" column for card use, 164i ... "Points" column 164j ... "Expenditure (monthly)" column 164c Total 164k ... "Expenditure (annual)" Column 164d total 164m ... "Bonus" column 164e total 164n ... "Total" column 164f total 164p ... "Points" column 164i total 180 ... Internet 363 ... Input screen for income fluctuation conditions (input) Department)
364a ... Input screen for fluctuation conditions of expenditure (input section)
462a ... Hobby input screen (input section)
464i ... "Card usage amount" column, 464j ... "Point rate" column

Claims (6)

It is a card point simulation system that calculates the points given when using a card using a computer.
A family information input section for entering the family structure of a household,
For the card, a card information input unit for inputting the point expiration date and point rate, and
The income input unit for inputting the income of the household and
An expenditure input unit that inputs the expenditure of the household for each predetermined item,
Whether or not to use the card is selected for the item of the expenditure , and the usage ratio to be paid with the card for the item of the expenditure is input for each card , and the point rate and the expenditure are combined. A point calculation unit that calculates the points of the card based on the usage ratio, and
After the point calculation unit, a point graphing unit that graphs the time transition of the calculated amount of the points based on the point expiration date is provided.
A card point simulation system in which the time transition of the amount of points fluctuates in conjunction with the time transition of the expenditure for each item. In the card information input unit, the point expiration dates and point rates of a plurality of cards are input, and the points are input.
The card point simulation system according to claim 1, wherein the point calculation unit or the point graphing unit compares the amounts of points of the plurality of cards. In the card information input unit, the type of the card is input.
The types of the cards are transportation credit cards, aviation credit cards, bank credit cards, oil credit cards, automobile manufacturer credit cards, distribution credit cards, credit sales credit cards, consumer finance credit cards, or The card point simulation system according to claim 1 or 2, which includes an independent credit card. In the family information input unit, the age of the family is input.
The time transition of the amount of the points is claimed from claim 1 calculated based on the time transition of the life event calculated based on the family information input unit and the time transition of the expenditure calculated based on the time transition of the income. Item 3. The card point simulation system according to any one of items 3. In the card information input unit, hobbies and interests are selected from a plurality of items, and a specific card is extracted from the information of the plurality of cards based on the selected hobbies and interests. The card point simulation system according to any one of claims 1 to 4, wherein the point expiration date and the point rate are input by selecting a part or all of the cards from the cards. Further, it has a target value input unit for inputting a target value of the point before the point calculation unit.
The card point simulation system according to any one of claims 1 to 5, wherein the point calculation unit or the point graphing unit derives a combination of the cards in which the amount of the points reaches the target value in the shortest time.

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