JP6906003B2 - Scoring device, scoring method, and program - Google Patents

Description

The present invention relates to scoring devices, scoring methods, and programs.

Conventionally, a provider of a product or service has a customer who purchased the product or used the service register as a member, and points are given to the member according to the consideration paid, and the accumulated points are used. A mechanism is provided to receive special services such as discounts and exchanges for prizes. Through such a mechanism, members are encouraged to visit the store again and purchase.

By the way, in many cases, the expiration date of points and the privilege services that can be enjoyed are uniformly determined regardless of whether the member has a long transaction or a short transaction. Therefore, it was not enough to maintain motivation for continuous use.

On the other hand, a point service management method for individually determining the expiration date of points for each member according to the transaction status with the member is disclosed (see, for example, Patent Document 1). In the invention described in Patent Document 1, based on transaction information such as deposit / withdrawal information of accounts and purchase history of products, members who continue to make good transactions are more likely to have a longer relationship. The deadline is set long so that points can be used for a long time. In this way, we are trying to improve the convenience of members and promote transactions according to members.

JP-A-2006-53812

However, since the products and services preferred by members vary depending on the age, occupation, job title, etc. of the member, it is difficult to provide benefits according to the member only with transaction information, and the purchase motivation of the member is satisfied. It wasn't enough to drive the deal. In addition, it is desired that the providers of products and the like can obtain more and more useful information about the members in order to provide more fulfilling standards and services for each member.

The present invention has been made in view of the above circumstances, and can provide benefits according to the transaction status and individuality of a member, and can further improve the effect of promoting transactions.

In order to achieve the above object, the scoring device according to the present invention is a scoring device that is connected to an information terminal owned by a member via a communication network, gives points to the member, and scores the member. The storage unit that stores the transaction information of the member, the additional information acquisition unit that acquires the additional information of the member input from the information terminal, and the additional information and the storage unit acquired from the storage unit. A score calculation unit that calculates the points to be given to the member based on the transaction information of the member, a privilege determination unit that determines a privilege according to the score based on the calculated score obtained by accumulating the points, and a privilege determination unit. It is characterized by including a display processing unit for presenting the score and the privilege of the member to the member.

Further, the scoring process according to the present invention is performed by a scoring device that is connected to an information terminal owned by a member via a communication network, gives points to the member, and scores the member. The method is based on an additional information acquisition step of acquiring additional information of the member input from the information terminal and the transaction information acquired from a storage unit in which the additional information and the transaction information of the member are stored. A score calculation process for calculating points to be given to the member, a privilege determination process for determining a privilege according to the score based on the calculated score obtained by accumulating the points, and the score of the member and the privilege. It is characterized by including a display processing step of presenting the above to the member.

In addition, the program according to the present invention uses a computer as a storage means for storing member's transaction information, an additional information acquisition means for acquiring additional information of the member input from an information terminal, the additional information and the storage. A score calculating means for calculating the points to be given to the member based on the transaction information of the member of the means, and a privilege determining means for determining a privilege according to the score based on the calculated score obtained by accumulating the points. , And a program for functioning as a display processing means for presenting the score and the privilege of the member to the member.

According to the present invention, it is possible to provide benefits according to the transaction status and individuality of a member, and it is possible to further improve the effect of promoting transactions.

It is a functional block diagram of the scoring system provided with the scoring apparatus which concerns on one Embodiment of this invention. It is a figure which shows an example of the data structure of the additional information table. It is a figure which shows an example of the data structure of the score / class information table. It is a figure which shows the structure of the transaction information information database. It is a figure which shows an example of the data structure of the basic attribute information table. It is a figure which shows an example of the data structure of the usage dynamics information table. It is a figure which shows an example of the data structure of a credit information table. It is a figure which shows an example of the data structure of a lifetime history information table. It is a figure which shows an example of the data structure of the Web action history information table. It is a flowchart which shows an example of the operation flow of the scoring process executed by the scoring apparatus which concerns on this embodiment. It is an explanatory diagram of the screen transition displayed on the display part of the member's information terminal, (a) is the main screen (top page) of the provider's site, and (b) is the first main screen of the scoring service. Yes, (c) is the second main screen of the scoring service. It is explanatory drawing of the screen transition displayed on the display part of a member's information terminal, (a) is the first main screen, (b) is an input skip screen, and (c) is an additional information input screen. , (D) are scoring result screens. It is explanatory drawing of the screen transition displayed on the display part of a member's information terminal, (a) is a second main screen, (b) is a question list screen, and (c) is an additional information input screen. , (D) are scoring result screens. It is explanatory drawing of the screen transition displayed on the display part of a member's information terminal, (a) is a 1st main screen, (b) is a 2nd main screen, and (c) is a privilege list screen. (D) is a privilege detail screen, and (e) is an image diagram of an external site. It is explanatory drawing of the screen transition displayed on the display part of a member's information terminal, (a) is a 2nd main screen, (b) is a class history screen, and (c) is a score history screen. It is explanatory drawing of the screen transition displayed on the display part of a member's information terminal, (a) is a 1st main screen, (b) is a 2nd main screen, and (c) is a notification list screen. (D) is a notification detail screen, and (e) is an image diagram of an external site.

Hereinafter, the scoring device according to the present embodiment and the scoring system including the scoring device will be described with reference to the drawings. FIG. 1 is a diagram showing a configuration example of the scoring system 1 according to the present embodiment.

As shown in FIG. 1, the scoring system 1 of the present embodiment includes a scoring device 10 provided on the provider side that provides a scoring service to a member, and a customer who subscribes to the scoring service of the provider. It is configured to include an information terminal 20 provided on the member side of the above. The information terminal 20 is provided for each member.

In the following, the details of the scoring system 1 will be described on the assumption that the provider of the scoring service is a credit company and the scoring service is provided to credit card members. The provider is not limited to the credit company, and may be a credit company other than the credit company. Further, the provider is not limited to the credit sales company, and may be, for example, a financial institution such as various banks, insurance companies, securities companies, and non-banks.

The scoring device 10 is a device that gives points to members and scores the members according to the points. Scoring (scoring) as used herein means predicting the "value" of each customer (member) to the provider and scoring the customer based on that value.

The scoring device 10 mainly includes a user interface / user experience server (hereinafter referred to as "UI / UX server") 100 and a score / class management server 200. The UI / UX server 100 and the score / class management server 200 are connected via a security function such as a firewall (FW) installed in a data center or the like.

The UI / UX server 100 and each information terminal 20 are connected to each other via a communication network 2 such as the Internet. Further, the score / class management server 200 is connected to the business management terminal 21 via another communication network 3. As a result, the administrator can manage data and programs, analyze data, and perform other maintenance and inspection from the management terminal 21. Note that the communication networks 2 and 3 are not limited to the Internet, but may be a dedicated communication line or a closed network, and security can be enhanced.

The information terminal 20 of the present embodiment is composed of a smartphone, but is not limited thereto. As the information terminal 20, a known desktop type, notebook type, tablet type PC, mobile phone, or the like equipped with a monitor, a printer, a communication device, or the like can be used. That is, any device that can be connected to the communication network 2 and has an image display function and a data input function can be preferably used. The management terminal 21 is composed of a PC or the like.

An application for a predetermined service (for example, a credit member service) including a dedicated scoring application program (app) or a scoring service is pre-installed on the information terminal 20, and the information terminal 20 is activated by activating the application. Can communicate with the UI / UX server 100 via the communication network 2. Alternatively, the UI / UX server 100 may be accessed via the communication network 2 using a general-purpose browser or the like.

Further, the scoring device 10 may be independently installed on the provider side as a device that provides only the scoring service. Alternatively, it may be incorporated in a system (for example, a credit member service system) in which the provider provides various services and processes information.

Next, the configurations and functions of the UI / UX server 100 and the score / class management server 200 of the scoring device 10 of the present embodiment will be described with reference to FIG.

The UI / UX server 100 mainly includes a display processing unit 101 and an additional information collecting unit 102. The display processing unit 101 generates various display images to be displayed on the display unit 33 of the information terminal 20 by a CMS (content management system) and transmits the various display images to the information terminal 20. The transmitted display image is displayed on the display unit 33 by the information terminal 20.

The display processing unit 101 generates a display image for presenting the privilege information according to the score for each member calculated by the score / class management server 200 to the members. In addition, the display processing unit 101 generates a display screen for presenting predetermined presentation information to the member. The display processing unit 101 sets the information terminal 20 from a plurality of contents stored in advance in the memory of the UI / UX server 100 based on the member's privilege class and score calculated by the score / class management server 200. Select the information to be displayed and presented to the member. Examples of this presented information include explanations of recommended products and services, information on where to purchase them, how to use scoring services, explanations about scores and benefits, detailed information on benefits, announcement information, advertising information, URL addresses of external sites, and the like. However, it is not limited to these. Further, among these, the presented information according to the privilege class may be appropriately selected.

The additional information collecting unit 102 acquires additional information in the form of a questionnaire from the member's information terminal 20, and transmits it to the score / class management server 200. At this time, the additional information collecting unit 102 transmits the user ID and password of the member together with the additional information to the score / class management server 200 for user authentication.

The score / class management server 200 has an online processing unit 204 having a user authentication unit 201, an additional information acquisition unit 202, and a presentation information transmission unit 203, and additional information including an additional information score calculation unit 205 and an additional information score rule management unit 206. A member having a processing unit 207, a transaction information processing unit 210 having a transaction information score calculation unit 208 and a transaction information score rule management unit 209, a transaction information generation unit 211, an additional information storage unit 212, and a score / class storage unit 213. It mainly includes an information database 214, a transaction information database 215, and a member information distribution unit 216.

First, each information (item) stored in the member information database 214 and the transaction information database 215 will be described. These information may be characters such as full-width characters and half-width alphanumeric characters, and the characters may be numerical values. It may be replaced with.

Additional information is stored in the additional information storage unit 212. The additional information is input from the information terminal 20, acquired by the additional information collecting unit 102 of the UI / UX server 100, and transmitted to the score / class management server 200. As the additional information, family information, hobby information, educational background information, job title information, asset information, health information, workplace information and the like are preferably mentioned. The additional information may include at least one of these, more preferably two or more, and most preferably all. By acquiring such information, it is possible to provide more appropriate benefits that match the individuality of the member, and at the same time, useful information can be obtained for the provider of the scoring service. The information listed here is an example, and the additional information is not limited to these.

FIG. 2A shows an example of the table configuration (additional information table T1a) of the additional information storage unit 212. As shown in FIG. 2A, the additional information table T1a includes "member ID", "family", "hobby", "educational background", "position", "assets", "health", "workplace", etc. A record consisting of items is stored for each member. The "member ID" stores an ID for identifying the member and linking it with other information stored in the score / class storage unit 213 and the transaction information database 215. "Family" stores family information regarding the member's family structure. "Hobbies" stores hobby information related to members' hobbies and tastes, "educational background" stores educational background information such as the member's final academic background, and "job title" stores job title information such as the member's job title and occupation. Will be done. "Assets" stores asset information such as members'movements and real estate, "Health" stores health information for members' health care such as exercise status and health information, and "Workplace" is a business card. The office information about the member's office such as the registered office and the nearest station is stored.

In addition to the above items, the additional information storage unit 212 may store a question message for extracting information for each item. This question message may be direct, for example, "What is your hobby?" When asking your hobby, or "What are you doing on the weekends?" It may be an indirect one that can draw out various information such as life patterns as well as hobbies. Further, for example, a character to be asked may be set, and the wording of the question may be created with a wording suitable for the character.

The score / class storage unit 213 stores information (score / class information) related to the score calculated by the additional information score calculation unit 205 and the transaction information score calculation unit 208, which will be described later, and the privilege class (privilege information) according to the score. Will be done. FIG. 2B shows an example of the table configuration (score / class table T1b) of the score / class storage unit 213. As shown in FIG. 2B, a record consisting of items such as "member ID", "score", and "privilege class" is stored in the score / class table T1b for each member. The member ID is stored in the "member ID". "Score" consists of 6 items, "additional score", "basic attribute score", "usage dynamics score", "credit score", "lifetime history score", and "behavior history score". Each score calculated based on basic attribute information, usage dynamic information, credit information, lifetime history information, and behavior history information is stored. In addition, the privilege class for identifying the privilege that can be enjoyed is stored in the "privilege class".

In this embodiment, the privilege class is represented by six star marks. 6 stars is the highest class, 5 stars is the platinum card member class, 4 stars is the gold card member class, 3 stars is the daily life member class, 2 stars is the class used several times a year, 1 star is the initial card Show members. For example, items are scored for each element of additional information and transaction information, and the total score (points) is set as a perfect score, and the points are divided into six privilege classes based on the perfect score. Therefore, in the "privilege class", the privilege class according to the total score obtained by accumulating the "scores" of each member is stored.

For example, as shown in Table 1 below, the benefits IDs "1" to "8" are predetermined. "●" is added to the benefits that can be enjoyed in each privilege class. For example, if the privilege class is "3 stars (daily life member class)", the benefits of privilege IDs "1" to "4" can be enjoyed.

Specific examples of the benefits corresponding to each privilege ID are listed below, but the present invention is not limited thereto.
1: Saison / UC card member special treatment (for all card members)
2: 5 times the permanent immortal points under 25 years old 3: Special treatment service for scoring service (restaurants, rental cars, hotels, etc.)
4: Birthday point gift 5: Platinum invitation qualification grant, Gold card original privilege enrollment grant 6: Reissue fee free 7: Permanent immortal point exchange rate preferential treatment 8: Permanent immortal point double

The transaction information database 215 stores transaction information related to a member's transaction. When the provider is a credit company as in the present embodiment, it is desirable that information on shopping and cashing with the member's credit card is stored.

The transaction information stored in the transaction information database 215 includes, for example, basic attribute information including member attributes of members, usage dynamic information including usage status of member transactions, credit information including member credit slots, and member transactions. Life history information including usage history, behavior history information including service usage history of member scoring service, and the like can be mentioned. The transaction information may include at least one of these, more preferably two or more, and most preferably all. Further, among these, it is preferable to include at least one, two or more, or all of the usage dynamic information, credit information, and lifetime history information. Among these, it is most preferable to include usage dynamic information. Based on these transaction information and additional information, more appropriate scoring that more closely matches the individuality of the member and the transaction status becomes possible. The transaction information listed here is an example, and the transaction information is not limited to these.

In the present embodiment, as shown in FIG. 3A, the transaction information database 215 includes the basic attribute information storage unit 215a, the usage dynamic information storage unit 215b, the credit information storage unit 215c, the lifetime history information storage unit 215d, and the Web behavior history information. It is configured to include a storage unit 215e.

Hereinafter, an example of a table configuration of transaction information stored in each storage unit 215a to 215e of the transaction information database 215 will be described in detail. The items included in each table are examples, and are not limited to the exemplary items, and may include other items. It is not necessary to store the information of all the items, but it is desirable that the information of more items is stored, and the information of all the listed items and the items other than the listed items are stored. It is most desirable that it is done. The more items in which information is stored, the more detailed and more appropriate scoring and product presentation information can be provided according to the member, and as a result, more effective promotion of transactions can be achieved.

FIG. 3B shows an example of the table configuration (basic attribute information table T2) of the basic attribute information storage unit 215a. As shown in FIG. 3B, in the basic attribute information table T2, a record composed of items such as "member ID" and "member type" is stored for each member. The member ID is stored in the "member ID". "Member type" is the attribute of the member to distinguish the member, for example, "open member" is stored for the member registered in the scoring service, and if it is a member of the scoring service and also a credit card member, " "Card member" is remembered. In addition to these items, basic member information such as the type of card may be stored.

In the present embodiment, the usage dynamic information storage unit 215b stores the usage dynamic information of the credit card. FIG. 3C shows an example of the table configuration (utilization dynamics information table T3) of the usage dynamics information storage unit 215b. As shown in FIG. 3C, in the usage dynamics information table T3, records consisting of items such as "member ID", "annual SC usage amount", "annual SC usage number", and "latest January usage amount" are recorded for each member. It is remembered in. "S" means credit card shopping and "C" means credit card cashing. The member ID is stored in the "member ID". In the "annual SC usage amount" and "annual SC usage number", the total annual usage amount of credit card shopping and credit and the number of annual usages are stored, respectively. The total amount of shopping and credit usage in the most recent usage month (until the previous closing date) is stored in the "last January usage amount". In addition to this, it is desirable that user information such as shopping destination categories (for example, sports equipment, women's clothing, etc.) is also stored, and it is possible to provide presentation information more suitable for the taste of the member.

FIG. 3D shows an example of the table configuration (credit information table T4) of the credit information storage unit 215c. As shown in FIG. 3D, in the credit information table T4, a record consisting of items such as "member ID", "payment history", and "credit line" is stored for each member. The member ID is stored in the "member ID". The "payment history" is further composed of the items of "payment count" and "non-payment count", and the "payment count" stores the number of successful deposits (normal deposit count) within the past 12 months, and "not yet". The number of deposits (the number of unpaid deposits) in the past December (or within June) is stored in the "number of deposits". In addition to this, it is desirable that information on fulfillment of promises of other services (for example, sharing) is also stored, and the creditworthiness of members can be further ensured. In addition, by increasing the points of members with high creditworthiness, more solid transactions can be promoted.

FIG. 3E shows an example of the table configuration (lifetime history information table T5) of the lifetime history information storage unit 215d. As shown in FIG. 3E, in the lifetime history information table T5, a member ID is stored in the "member ID" in which a record consisting of items such as "member ID" and "card information" is stored for each member. ing. "Card information" is divided into "card 1", "card 2", ... So that a plurality of card information can be registered, and consists of items of "card expiration date" and "card product rank classification", respectively. The expiration date of the credit card is stored in the "card expiration date", and the rank classification of the credit card (for example, blue, gold, platinum, black, etc.) is stored in the "card product rank classification".

In the Web action history information storage unit 215e, access information to the website of the credit company that is the provider is stored in the present embodiment. FIG. 3F shows an example of the table configuration (Web action history information table T6) of the Web action history information storage unit 215e. As shown in FIG. 3E, in the Web action history information table T6, a record composed of items such as "member ID" and "site" is stored for each member. The member ID is stored in the "member ID". The "site" is further composed of a plurality of sites, that is, "site A", "site B", "site C", and so on, and each site is provided with items "today" to "n days". For example, the number of times the site is accessed and the number of times the site is used for shopping etc. are stored in each of the last 30 days.

Next, the details of the functions of each part of the score / class management server 200 will be described. The user authentication unit 201 of the online processing unit 204 acquires the user ID and password of the member transmitted from the UI / UX server 100, and performs user authentication. The additional information acquisition unit 202 acquires the additional information of the member transmitted from the additional information collection unit 102 of the UI / UX server 100. The additional information acquisition unit 202 stores the acquired additional information in the additional information storage unit 212. The presentation information transmission unit 203 acquires the privilege class to be presented to the member from the score / class storage unit 213 and transmits it to the UI / UX server 100. In addition to this, the online processing unit 204 controls the additional information processing unit 207 to calculate the additional information score and manage the additional information score rule.

The additional information score calculation unit 205 of the additional information processing unit 207 acquires additional information from the additional information storage unit 212, and calculates points to be given to the member according to the additional information score rule managed by the additional information score rule management unit 206. do. The additional information score calculation unit 205 stores the calculated points as an “additional score” in the score / class storage unit 213. Further, the additional information score calculation unit 205 accumulates the six points of the score / class storage unit 213, determines the privilege class according to the cumulative score, and stores it in the score / class storage unit 213.

The setting and change of the additional information score rule are managed by the additional information score rule management unit 206. As this additional information score rule, for example, points for each item are set. Further, the importance, type, number of items, and other weighting of each item of the additional information are set. By calculating the additional information score based on such an additional information score rule, more appropriate score calculation becomes possible.

As weighting, for example, when the satisfaction rate of any item of additional information is high or when an item with high importance is input, more points are added. In this way, by appropriately changing the points to be added according to the number of input items, input contents, etc., more appropriate transactions can be provided and the effect of promoting transactions can be enhanced.

In addition to this, points will be given as appropriate based on the presence or absence of input to newly added items and update actions, the latest registration date of the scoring service, and the latest access to the additional information input screen (page). The rule may be set so as to add. In this way, by changing the points to be added based on the trend of the item of additional information, it is possible to promote the input and access of additional information to the member and improve the motivation of the member, and promote the transaction. It can lead to the improvement of.

The transaction information score calculation unit 208 of the transaction information processing unit 210 describes each transaction information (in this embodiment, additional information, basic attribute information, usage dynamic information, credit information, lifetime history information, and action history information) from the transaction information database 215. Six types of information (category)) are acquired, and based on this transaction information, points to be given to the member are calculated according to the transaction information score rule managed by the transaction information score rule management unit 209. The transaction information score calculation unit 208 stores the calculated points in the score / class storage unit 213.

The transaction information score rule is managed by the transaction information score rule management unit 209. As this transaction information score rule, points, point setting procedures, and the like are set according to the setting contents of each item of transaction information. For example, the points of "card member" are set higher than that of the case where the member type of the basic attribute information is "open member".

Further, in the transaction information score rule, for example, weighting according to the importance, type, number of items, and the like of each item of transaction information may be set. By calculating the score based on such a transaction information score rule, more appropriate score calculation becomes possible. As an example of weighting, for example, when adding points based on each item of usage dynamic information, the weighting of "annual SC usage amount", "annual SC usage number", and "last January usage amount" is given, respectively. Add points instead. This makes it possible to add more appropriate points according to the importance of the items of usage dynamics. Further, when the points are calculated based on the number of times the action history information is accessed to each site, the points are calculated by changing the weighting depending on the site, for example, setting the weighting of the site B higher than that of the site A. As a result, members who frequently touch a predetermined site can be evaluated more highly.

Then, the additional information score calculation unit 205 calculates the points (individual scores for each information) calculated by the additional information score calculation unit 205 and the transaction information score calculation unit 208 and stored in the score / class storage unit 213. According to the score (total score), the privilege class that the member can enjoy is determined and stored in the "privilege class". At this time, ranking for each member may be performed according to the cumulative score.

The transaction information generation unit 211 acquires member information and transaction information provided periodically from an external system such as a member information management system via a communication means or a recording medium, and based on these, transaction information. Is generated and stored in each storage unit 215a to 215e of the transaction information database 215. When the transaction information is generated and stored, the transaction information score calculation unit 208 calculates points for each transaction information by batch processing and stores them in the score / class storage unit 213. This makes it possible to calculate points based on the latest transaction information.

The member information distribution unit 216 periodically distributes the additional information and the score / class information of the member information database 214 to an external system such as the member information management system via a communication means or a recording medium. As a result, the member information management system or the like can manage the member's privilege information.

The additional information score rule managed by the additional information score rule management unit 206, the transaction information score rule managed by the transaction information score rule management unit 209, and the association between the privilege class stored in the score / class storage unit 213 and the privilege. Is managed by the management terminal 21 for various purposes such as updating.

Hereinafter, an example of the operation of the scoring system 1 according to the present embodiment having the above-described configuration will be described with reference to the flowchart of FIG. 4 and the explanatory diagram of the screen transition of FIGS. 5 to 10. FIG. 4 is a flowchart showing an example of the operation flow of the scoring process (scoring method, scoring service) in the scoring device 10. 6 to 10 are screen examples displayed on the display unit 33 of the information terminal 20 of the member who uses the scoring service.

The scoring process by the scoring device 10 is started when the member launches the application of the information terminal 20 and accesses the scoring device 10. If the scoring service is incorporated into another member service or the like, the scoring device 10 is accessed by launching the application of the member service or the like and selecting the scoring service menu from the menu. You may. Alternatively, the scoring device 10 may be accessed by directly specifying the URL assigned to the scoring device 10.

In the present embodiment, the scoring device 10 is incorporated in the credit member service system of the credit company, and the scoring service is provided as one of the services of the credit member service system.

Specifically, an application for a credit member service for smartphones is installed in advance on the information terminal 20, and the application is launched so that the member can access the credit member service system. By this access, as shown in FIG. 5A, the display processing unit 101 displays the credit service main screen (top page) 50 on the display unit 33 of the member's information terminal 20. Members may be authenticated by entering a user ID and password at the time of initial access or each time of access. The user ID and password may be set in advance when applying for a credit card, or may be registered on the member registration screen or the like.

By tapping the scoring button B1 in the button display area B of the main screen 50, the scoring process start instruction signal and the user for member authentication are sent to the score / class management server 200 via the UI / UX server 100. ID etc. are transmitted. In response to this start instruction signal or the like, the scoring process is started.

First, in step S1 of FIG. 4, the user authentication unit 201 authenticates the user. At this time, the member is specified based on the user ID. Next, in step S2, the presentation information transmission unit 203 acquires the privilege class (ranking) from the score / class storage unit 213 and transmits it to the display processing unit 101 of the UI / UX server 100. In principle, the score / class storage unit 213 stores scores and privilege classes based on transaction information. If the score based on the transaction information is not calculated, even if you calculate the "basic attribute score", "usage dynamics score", "credit score", "lifetime history score", and "behavior history score" here. good. In addition, when the additional information has been acquired in the past access, the score based on the additional information and the privilege class based on the score to which this score is added are stored. If neither transaction information nor additional information is stored, the standard (one star or no star) privilege class may be transmitted.

Then, in step S3, as shown in FIG. 5B, the display processing unit 101 generates the first main screen 51 of the scoring service and displays it on the display unit 33 of the information terminal 20. FIG. 5C is a second main screen 52, which is displayed on the display unit 33 by scrolling the first main screen 51 downward.

As shown in FIG. 5B, the first main screen 51 is provided with a question display field 51a, buttons 51b to 51f for designating procedures, a privilege class display field 51g, and the like. In the question display field 51a, a question for inputting additional information and confirming the consent of the input (for example, "What are you doing on the weekend?") Is displayed. Further, in the privilege class display column 51g, the privilege class of the current member determined in step S2 is displayed. In this embodiment, the number of stars corresponding to the privilege class is displayed.

The flow of processing from the first main screen 51 will be described with reference to FIG. When the member taps the "answer" button 51b on the first main screen 51 of FIG. 6A, the process proceeds to step S5, assuming that the member has consented to the input of additional information (the determination in step S4 is YES).

On the other hand, when the member taps the "Do not teach" button 51c on the first main screen 51, it is assumed that the consent for inputting additional information has not been obtained (determination NO in step S4), and the process proceeds to step S6. The input skip screen 53 as shown in 6 (b) is displayed, and the scoring process is completed. In this case, the member may use the "back" function of the information terminal 20 or tap the button in the button display area B to return to the main screen 50 to browse other sites or redo the scoring service. Can be done.

In step S5, the display processing unit 101 generates an additional information input screen (question screen) 54 as shown in FIG. 6C and displays it on the display unit 33. A question regarding the additional information is displayed in the question display field 54a of the additional information input screen 54, and a list of answers is displayed in the answer field 54b in a selection format so that the member can easily select the question.

When a member selects an answer from this list of answers, a selection mark is displayed next to the selected answer. Next, when the member taps the "answer" button 54c, this information is transmitted to the additional information collecting unit 102 as additional information. The additional information collection unit 102 acquires this additional information and transmits it to the additional information acquisition unit 202 of the score / class management server 200 (step S7). The additional information acquisition unit 202 stores the acquired additional information in the additional information storage unit 212 (step S8).

At this time, another question is subsequently displayed in the question display column 54a, the answer list is displayed in the answer column 54b, and the process of acquiring and storing the answers from the members (steps S5, S7, S8) is repeated. As a result, a plurality of additional information may be acquired in succession.

When the "clear" button 54d is tapped on the additional information input screen 54, the display processing unit 101 erases the selection mark in the answer field 54b and redisplays the additional information input screen 54. This allows the member to redo the answer.

Here, when the "stop" button 54f is tapped on the additional information input screen 54, the scoring process may be interrupted. Further, when the "skip" button 54g is tapped, the next question may be advanced or the process may proceed to step S9 without obtaining an answer.

When the acquisition and storage of the additional information is completed, in the next step S9, the additional information score calculation unit 205 calculates the score based on the additional information based on the acquired additional information. Specifically, the additional score is recalculated based on the additional information registered this time and the registered additional information.

Further, in step S10, the additional information score calculation unit 205 calculates the cumulative score obtained by accumulating the calculated scores of the individual categories, calculates the privilege class according to the accumulated score, and determines the privilege that can be enjoyed. The calculated individual score and privilege class (score / class information) are stored in the score / class storage unit 213 by the additional information score calculation unit 205 in step S11.

Next, in step S12, the presentation information transmission unit 203 acquires the privilege class (which may also include the cumulative score) and transmits it to the display processing unit 101, and based on this privilege class, the display processing unit 101 determines the figure. The scoring result screen 55 as shown in 6 (d) is generated and displayed on the display unit 33. At this time, the display processing unit 101 displays a message (for example, "Thank you for your help") on the message display unit 55a of the scoring result screen 55, and the cumulative score calculated on the score display unit 55b (for example, xxx / yyySCORE). , A message regarding the privilege class (for example, "zzSCORE until the next class") and an image (score information) showing the score for each category with a gauge (bar) are displayed. Therefore, by visually recognizing the scoring result screen 55, the member can easily grasp the score information, the privilege class, etc. based on his / her current score at a glance. The display of the score information is not limited to the gauge as shown in FIG. 6D, and may be represented by a gauge of another design, a graph, or a radar chart.

After that, when returning to the first main screen 51 as shown by the broken line arrow in FIG. 5, for example, when the scoring button B1 is tapped, the score information and the privilege class are updated to the latest ones. The first main screen 51 is displayed on the display unit 33.

Further, in the present embodiment, the processes after step S4 can be executed from the second main screen 52 shown in FIG. 5 (c). The flow of processing from the second main screen 52 will be described with reference to FIG. 7. As shown in FIG. 7A, the second main screen 52 has a privilege button 52a to 52d for displaying the details of the privilege, a history button 52e for displaying the history, and a question button 52f for displaying the question. , A notification button 52g for displaying a notification, a usage button 52h for displaying a convenient usage, and the like are provided.

When the member taps the question button 52f on the second main screen 52, the display processing unit 101 generates a question list screen 56 as shown in FIG. 7B on the display unit 33 in response to this instruction. indicate. On the question list screen 56, a score display unit 56a in which gauges (score information) of individual scores are displayed, a plurality of question title display units 56b in which titles of questions related to additional information are displayed, and answers to each question. A plurality of edit buttons 56c are provided for this purpose.

When the member taps the edit button 56c of an arbitrary question on the question list screen 56, the display processing unit 101 receives this instruction and displays the additional information input screen 54 as shown in FIG. 7 (c) (FIG. 6 (FIG. 6). A screen similar to c) is generated and displayed on the display unit 33. From this screen, by selecting the answer to the question and tapping the "answer" button 54c, the processes of steps S7 to S12 are performed, and the scoring result screen 55 shown in FIG. 7 (d) (FIG. 6 (d)). Screen) is generated and displayed.

Further, when the member gives an instruction to display the privilege in detail, the privilege display process of step S13 is executed. The privilege display process of step S13 will be described with reference to FIG. When the privilege button 52d is tapped on the second main screen 52 of FIG. 8 (b), the display processing unit 101 generates the privilege list screen 58 shown in FIG. 8 (c) on the display unit 33 in response to this instruction. indicate. On the privilege list screen 58, the privilege class of the member is displayed on the privilege class display unit 58a, and a list of benefits that can be enjoyed in the privilege class is displayed on the privilege display unit 58b. The list of benefits is obtained, for example, from the score / class storage unit 213. When the member selects any of the benefits from the list of benefits, the display processing unit 101 generates the privilege detail screen 59 shown in FIG. 8D and displays it on the display unit 33 in response to this instruction. Further, as shown in FIG. 8A, the privilege detail screen 59 can also be displayed by tapping the "score" button 51e on the first main screen 51.

On the privilege detail screen 59, the detailed content of the privilege is displayed on the privilege display unit 59a. If there is an external site 70 related to this privilege, the URL is displayed on the external URL display unit 59b. By visually recognizing the privilege detail screen 59, the member can know the detailed content of the privilege. Then, if you are interested in the benefits, tap the RL of the external URL display unit 59b to access the external site 70 that provides the benefits (for example, shopping with points), and the more detailed contents of the benefits. You can check and execute the benefits concretely. This promotes transactions.

Further, when the member instructs to display the history such as the score, the history display process in step S14 is executed. This history display process will be described with reference to FIG. Here, an example of presenting the score and the transition of the privilege class to the member will be described. As shown in FIG. 9A, when the member taps the history button 52e on the second main screen 52, the display processing unit 101 receives this instruction and displays the class history screen 60 or the class history screen 60 shown in FIG. 9B. The score history screen 61 shown in FIG. 9C is generated and displayed on the display unit 33. The class history screen 60 and the score history screen 61 can be switched and displayed by tapping the "class" bar 60a and the "score" bar 61a.

On the class history screen 60, for example, a transition graph of the privilege class is displayed on the history display unit 60b in January alone. On the score history screen 61, for example, a score transition graph is displayed in units of 10 days on the history display unit 61b. These transition graphs are generated based on the score information acquired from the score / class storage unit 213.

From these transition graphs, members can easily grasp the transition of their privilege class and score. Then, the motivation for privilege classes and score improvement is increased, and it is possible to promote active transactions such as active input of additional information and purchase of products. In addition, the provider can acquire more useful additional information and can provide more fulfilling services to the members.

In addition, when the member gives an instruction to display the presentation information such as a notification, the presentation information display processing in steps S15 and S16 is executed. This presentation information display process will be described with reference to FIG. First, when the member taps the "notification" button 52g on the second main screen 52 of FIG. 10B, the display processing unit 101 receives this instruction in step S15, and the display processing unit 101 receives the member's score, ranking, and additional information. And, based on the contents of the transaction information, the presentation information (notice) suitable for the member is selected from the contents stored in the memory of the UI / UX server 100 in advance. For example, for golf hobby members, select fair information and sale information for golf equipment. In addition, golf membership information is selected for members with high rankings, job titles, and assets. In addition, notification information from a credit company or the like is also stored, and these notification information are also selected as presentation information.

In the next step S16, the display processing unit 101 generates the notification list screen 62 shown in FIG. 10C and displays it on the display unit 33. On the notification list screen 62, a list of a plurality of notifications (presentation information) selected by the display processing unit 101 is displayed on the notification list display unit 62a. When the member selects any of these notifications, the display processing unit 101 generates the notification detail screen 63 shown in FIG. 10D and displays it on the display unit 33 in response to this instruction. Further, as shown in FIG. 10A, the notification detail screen 63 can also be displayed by tapping the "notification" button 51d on the first main screen 51.

The detailed content of the selected notification is displayed on the notification display unit 63a of the notification detail screen 63. If there is an external site related to this notification, the URL is displayed on the external URL display unit 63b. By visually recognizing the notification detail screen 63, the member can know the detailed content of the notification, for example, the detailed content of the recommended product or service to the member. Then, if you are interested in the product, etc., you can access the external site 70 that provides the product, etc. by tapping the URL of the external URL display unit 63b, and you can check the detailed contents of the product, etc., purchase, etc. .. This promotes transactions.

As described above, in the scoring device 10 of the present embodiment, the additional information acquisition unit 202 acquires the additional information of the member input from the information terminal 20, and the additional information and the member acquired from the transaction information database 215. Based on the additional information, the additional information score calculation unit 205 and the transaction information score calculation unit 208 calculate the member's points. Then, the privilege information (privilege class, etc.) according to the accumulated score of the calculated points is displayed on the information terminal 20 under the control of the display processing unit 101 and presented to the member.

Therefore, the member can clearly grasp his / her privilege information. Then, it is possible to promote transactions such as active input of additional information and product purchase so that the score can be raised and higher benefits can be obtained. In addition, by awarding points according to additional information and transaction information, it is possible to provide more detailed benefits that are more suitable for members. Therefore, it is possible to provide a scoring device 10 capable of providing benefits according to the transaction status and individuality of the member and further improving the effect of promoting the transaction, and a scoring method and program executed by the scoring device 10.

Further, the additional information score calculation unit 205 and the transaction information score calculation unit 208 may calculate points by weighting according to the importance, type, number of items, and the like of each item of the additional information and the transaction information. As a result, for example, more points can be given to members with long transactions, members with high creditworthiness, members with many transactions, members with many inputs of high-value additional information, and the like, and more generous benefits can be given. As a result, the provider of the scoring service can also obtain useful information and enjoy the benefits of promoting transactions.

Further, in the present embodiment, the display processing unit 101 selects and presents a plurality of presentation information to be presented to the member according to the member's transaction information, additional information, and privilege information. As a result, details of benefits, various notifications, introduction of products and services suitable for the member, etc. can be presented to the member, and it is possible to improve the motivation of the member and actively promote transactions.

Further, in the present embodiment, the additional information score calculation unit 205 and the transaction information score calculation unit 208 include an additional information score rule management unit 206 and a transaction information score rule management unit 209 that manage score rules for calculating points. ing. Based on such a score rule, points can be calculated more appropriately, and the promotion of transactions can be further improved.

Although the embodiments of the present invention have been described in detail with reference to the drawings, each of the above embodiments is merely an example of the present invention, and the present invention is not limited to the configuration of each of the above embodiments. .. It goes without saying that even if there is a design change or the like within a range that does not deviate from the gist of the present invention, it is included in the present invention.

For example, in the above embodiment, the additional information score calculation unit 205 and the transaction information score calculation unit 208 have the privilege information stored in the score / class storage unit 213 and the additional information score rule management unit based on the additional information and the transaction information. Points are calculated according to 206 and the transaction information score rule management unit 209. As another different embodiment, the scoring device 10 may be equipped with AI (Artificial Intelligence) to perform score calculation by multivariate analysis, machine learning, and deep learning. In addition, the transaction of the member may be predicted by AI, and the presented information may be presented accordingly.

2 Communication network 10 Scoring device 20 Information terminal 215 Transaction information database (storage unit) 202 Additional information acquisition unit 208 Transaction information score calculation unit (score calculation unit) 101 Display processing unit

Claims (8)

A scoring device that is connected to an information terminal owned by a member who uses a service provided by a credit company via a communication network, gives points to the member, and scores the member.
A storage unit that stores the member's transaction information and
An additional information acquisition unit that acquires additional information of the member input from the information terminal,
A score calculation unit that calculates the points to be given to the member based on the additional information and the transaction information of the member acquired from the storage unit.
A display processing unit that presents the member with privilege information according to the score obtained by accumulating the calculated points.
Equipped with a,
The transaction information includes basic attribute information including the member attribute of the member, usage dynamic information including at least information on the usage status of the member using credits for shopping or cashing, payment status of the member, and other promises. Includes credit information, including at least performance information, lifetime history information, including at least information about the member's credit card rank, and behavioral history information, including usage history of the member's scoring services. A scoring device characterized by. The score calculation unit, before SL additional information and importance of each item of the transaction information, the type, number of items, the score of claim 1 which are weighted in accordance with the other, and calculates the points Ring device. The additional information, family information, hobby information, education information, title information, asset information, scoring apparatus according to claim 1 or 2, characterized in that it comprises a health information and office information. The display processing unit is characterized in that it selects the presentation information to be presented to the member according to the transaction information, the additional information, and the score of the member, and presents the selected presentation information to the member. The scoring device according to any one of claims 1 to 3. The scoring device according to any one of claims 1 to 4 , wherein the score calculation unit includes a score rule management unit that manages a score rule for calculating the points. In response to an instruction from the information terminal, the display processing unit displays a screen showing the transition of the privilege information in the predetermined period of the member and a screen showing the transition of the score in the predetermined period of the member on the information terminal. The scoring device according to any one of claims 1 to 5, wherein the scoring device is displayed by switching between. A scoring method performed by the scoring device according to any one of claims 1 to 6.
An additional information obtaining step of obtaining the additional information of the member which is input from the information terminal,
And score calculation step of calculating the point given to the member based on said transaction information, wherein the transaction information of the additional information and the member has acquired from the storage unit stored,
A display processing process for presenting privilege information according to the score obtained by accumulating the calculated points to the member, and
A scoring method characterized by being equipped with. Computer,
Basic attribute information including member attributes of members who use services provided by credit companies, usage dynamic information including at least information on usage status of the member using credits for shopping or cashing, payment status of the member, Transaction information including credit information including at least other information regarding fulfillment of promises, lifetime history information including at least information regarding the rank of the credit card held by the member, and behavior history information including usage history of services related to the member's scoring. Is remembered as a means of storage,
Additional information acquisition means for acquiring additional information of the member input from the information terminal,
A score calculation means for calculating points to be given to the member based on the additional information and the transaction information of the member of the storage means, and privilege information corresponding to the accumulated score of the calculated points are presented to the member. A program to function as a display processing means.

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