JP7260708B1 - Information processing device, information processing method and program - Google Patents

Abstract

An object of the present invention is to provide financial products that may be of interest to users. An information processing device 3 includes a transaction history of transactions of financial products by a user having an account used for transactions of financial products including stocks, and information other than the transaction history, which is information indicating characteristics of the user. Acquisition unit 331 that acquires user information, and business-related business that implements business related to the business implemented by the issuer that issues stocks traded in the user's characteristics and transaction history from among a plurality of financial products A selection unit 332 that selects a financial product related to a person and a grant processing unit 333 that executes processing for granting the user the right to purchase the financial product selected by the selection unit 332 at a price below the market price at a predetermined time. and have [Selection drawing] Fig. 2

Description

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

Conventionally, a system is known that gives a privilege to a user. Patent Literature 1 discloses a technique for giving a financial product to a user as a privilege.

Japanese Patent Application Laid-Open No. 2022-082040

However, for a user (for example, an investor) who has experience trading financial products, there may be financial products in which the user is interested and financial products in which the user is not interested. There is a problem that the given financial product is sold immediately or the given financial product is neglected because it is not managed in the same way as the financial products that the user has traded in the past.

Accordingly, the present invention has been made in view of these points, and it is an object of the present invention to provide financial products that users may be interested in.

An information processing apparatus according to a first aspect of the present invention includes a transaction history in which a user having an account used for trading financial products including stocks has traded the financial product, and information indicating characteristics of the user, An acquisition unit that acquires user information, which is information other than the transaction history, and an issuer that issues the characteristics of the user and the shares traded in the transaction history from among the plurality of financial products. A selection unit that selects the financial product related to a business-related business operator that carries out related business, and grants the user the right to purchase the financial product selected by the selection unit at a price below the market price at a predetermined time. and a grant processing unit that executes processing for

The selection unit may select, from among the plurality of financial instruments, the financial instrument that matches the investment tendency of the user specified by the transaction history.

The selection unit selects from among the plurality of financial instruments a business group whose value fluctuates less depending on economic trends if the stock holding period specified by the transaction history is equal to or longer than a predetermined threshold period. The financial instruments to be classified, the financial instruments to be classified into a dividend amount group whose dividend amount is equal to or greater than a predetermined threshold dividend amount, or the volatility group to be classified into a volatility group whose volatility is less than a predetermined threshold volatility if the holding period is less than the threshold period, the financial instrument is classified into an industry group whose value fluctuates greatly depending on economic trends, and the dividend amount is less than the threshold dividend amount. The financial instruments classified into an amount group or the financial instruments classified into a volatility group whose volatility is greater than or equal to the threshold volatility may be selected.

If the number of transactions of a stock specified by the transaction history is equal to or greater than a predetermined threshold number of times from among the plurality of financial instruments, the selection unit selects an industry group whose value fluctuates greatly depending on economic trends. The financial instruments to be classified, the financial instruments to be classified into a dividend amount group whose dividend amount is less than a predetermined threshold dividend amount, or the volatility rate group to be classified into a volatility group whose volatility rate is equal to or higher than a predetermined threshold volatility rate and if the number of transactions is less than the threshold number of times, the financial instrument is classified into an industry group whose value fluctuates less depending on economic trends, and the dividend amount is equal to or greater than the threshold dividend amount. Said financial instruments classified into an amount group or said financial instruments classified into a volatility group whose volatility is less than said threshold volatility may be selected.

If the investment amount specified by the transaction history is equal to or greater than a predetermined threshold investment amount from among the plurality of financial instruments, the selection unit classifies the financial instruments into an industry group whose value fluctuates less depending on economic trends. the financial product classified into a dividend amount group whose dividend amount is equal to or greater than a predetermined threshold dividend amount, or the financial product classified into a volatility group whose volatility is less than a predetermined threshold volatility The financial product is selected, and if the investment amount is less than the threshold investment amount, the financial product is classified into an industry group whose value fluctuates greatly depending on economic trends, and the dividend amount is less than the threshold dividend amount. The financial instruments classified into an amount group or the financial instruments classified into a volatility group whose volatility is greater than or equal to the threshold volatility may be selected.

The selection unit determines whether or not a numerical value indicating price fluctuation of a stock specified by the transaction history from among the plurality of financial instruments is equal to or greater than a predetermined threshold value, and whether or not the value fluctuation due to economic trends is Any of the above financial instruments classified into a large industry group and the above financial instruments classified into an industry group whose value fluctuates less depending on economic trends, or a dividend amount that is less than a predetermined threshold dividend amount Any one of the financial instruments classified into the group and the financial instruments classified into the dividend amount group whose dividend amount is equal to or greater than the threshold dividend amount may be selected.

The selection unit selects an industry group whose value fluctuates less depending on economic trends, according to whether or not the dividend amount of the stock specified by the transaction history is equal to or greater than a predetermined threshold from among the plurality of financial instruments. and any of the above financial instruments classified into an industry group with large fluctuations in value due to economic trends, or a volatility group whose volatility is less than a predetermined threshold volatility and any of the financial instruments classified into a volatility group whose volatility is equal to or greater than the threshold volatility.

The acquisition unit may acquire, as the user information, a history of purchases of products or use of services by the user, and the selection unit may select from among the plurality of financial products the history specified by the history. The financial instruments may be selected that relate to providers of types of products that users tend to purchase or types of services that users tend to use.

The acquisition unit may acquire a history of movement of the user as the user information, and the selection unit may select an action range of the user specified by the history from among the plurality of financial products. may select the financial instrument associated with a provider of facilities located in

The selection unit selects, from among the plurality of financial instruments, the use of stocks issued by the relevant business operator corresponding to the providing business operator and the business-related business operator or the use of the product or service provided by the relevant business operator as a preferential treatment The financial instrument containing the resulting stock may be selected.

The user information may be associated with a user identifier for identifying the user, and the account may be associated with the user identifier.

The grant processing unit may execute processing for granting the financial product selected by the selection unit to the user as the right free of charge.
The acquisition unit may acquire, as the user information, a history of purchases of products or use of services by the user, and the selection unit may select from among the plurality of financial products the history specified by the history. The financial product related to the business operator that operates the store where the user purchased the product or the store where the user used the service may be selected.

An information processing method according to a second aspect of the present invention is a computer-executed transaction history in which a user having an account used for trading financial products including stocks trades the financial product, and the characteristics of the user. Acquisition of user information, which is information other than the transaction history, characteristics of the user from among the plurality of financial instruments, and the business operator that issues shares traded in the transaction history. to select the financial instrument associated with a business-related entity that conducts business related to the business, and to grant the user the right to purchase the selected financial instrument at a price below the market price at a given point in time; and performing the process of

A program according to a third aspect of the present invention provides a computer with a transaction history in which a user having an account used for trading financial products including stocks has traded the financial product, and information indicating characteristics of the user, Acquisition unit that acquires user information that is information other than the transaction history, characteristics of the user from among the plurality of financial products, and business related to businesses that issue stocks traded in the transaction history a selection unit that selects the financial product related to a business-related business operator that conducts a business, and grants the user the right to purchase the financial product selected by the selection unit at a price below the market price at a predetermined time function as a grant processing unit that executes processing for

ADVANTAGE OF THE INVENTION According to this invention, it is effective in being able to provide the financial product which a user may be interested in.

It is a figure for demonstrating the outline|summary of an information processing system. 1 is a block diagram of an information processing device; FIG. 4 is a diagram showing an example of the configuration of a user management database; FIG. It is a figure which shows an example of a structure of a provider management database. It is a figure which shows an example of a structure of a provider management database. It is a figure which shows an example of a structure of an issuer management database. It is a figure which shows an example of a structure of a goods management database. 4 is a flow chart showing the flow of processing of the information processing system;

[Overview of information processing system S]
FIG. 1 is a diagram for explaining an outline of an information processing system S. As shown in FIG. The information processing system S is a system used to provide financial products including stocks to specific users (hereinafter referred to as "specific users"). The financial product is, for example, a stock, but is not limited to this, and may be an investment trust. A specific user is a user who uses an information processing service (for example, a shopping service, a communication service, etc.) and has an account used for trading financial products. The information processing system S has a user terminal 1 , a transaction management device 2 and an information processing device 3 .

The user terminal 1 is a terminal used by a user, such as a smart phone, a tablet terminal, or a personal computer. The user terminal 1 has a GPS (Global Positioning System) receiver for measuring the position of the user terminal 1 . The user terminal 1 is set with the ID of the user who uses the information processing service. User terminal 1 can communicate with transaction management device 2 and information processing device 3 via a network.

The transaction management device 2 is a device for managing trading of financial products, and is, for example, a server. The transaction management device 2 manages accounts (for example, securities accounts) used in transactions of financial products. An account number is assigned to each account of a plurality of users. The plurality of users includes users who use the information processing service and users who do not use the information processing service. An identifier (ID: identifier) may be further associated. The transaction management device 2 stores a transaction history of transactions of financial products by users and information on users who have accounts. The transaction management device 2 may store the transaction history of the user who uses the information processing service in association with the user's ID. Transaction management device 2 can communicate with user terminal 1 and information processing device 3 via a network.

The information processing device 3 is a device, such as a server, that is used to control the process of giving a financial product to a specific user. The information processing device 3 manages the information processing service and stores information about users who use the information processing service. Information about users who use it may be stored. The information processing device 3 manages information regarding a plurality of financial products. The information about the plurality of financial instruments may be information obtained from the transaction management device 2 or may be information input by an administrator who manages the information processing device 3 . The information processing device 3 can communicate with the user terminal 1 and the transaction management device 2 via a network.

In this specification, an example in which the transaction management device 2 and the information processing device 3 are different devices will be described, but the present invention is not limited to this. For example, the information processing device 3 may have the functions of the transaction management device 2 .

In the following, processing executed by the information processing system S to provide financial products to specific users will be described. First, the information processing device 3 acquires the user information of the specific user and the transaction history of the specific user. The user information is information other than the transaction history of the specific user, and is information indicating the characteristics of the specific user. For example, the specific user's attributes (age, gender, etc.), They are a payment history, an action history of a specific user, and the like. The specific user's characteristics are, for example, the specific user's preference, interest, and behavioral tendencies of the specific user.

The information processing device 3 selects a financial product related to the characteristics of the specific user and the business-related business operator from among a plurality of financial products. A business-related business operator is a business operator that conducts business related to the business conducted by the business operator that issues the shares traded in the transaction history (hereinafter referred to as the "issuer"). Other businesses that conduct the same business, other businesses that have a capital relationship with the issuer, other businesses that have a business tie-up with the issuer, and other businesses that carry out joint business with the issuer etc.

Then, the information processing device 3 executes processing for granting to the specific user the purchase right to purchase the selected financial product (hereinafter referred to as "selected product") at a price lower than the market price of the selected product at a predetermined time. . The predetermined time is, for example, when a financial product is selected, when the information processing service is a shopping service, when the product is purchased through the shopping service, or when a lottery is held after purchasing the product through the shopping service (for example, gacha ), etc. For the right to purchase, for example, the manager of the information processing device 3 bears at least part of the market price of the selected product at the time the account is opened, and the rest of the market price after the manager bears the market price. It is the right to purchase the selected product by paying the specific user.

Specifically, first, the information processing device 3 transmits selection information indicating the selected product to the transaction management device 2 . Then, the transaction management device 2 gives the selected product to the specific user. For example, if the purchase right is that the administrator of the information processing device 3 bears half of the market price of the selected product at a predetermined time, the transaction management device 2 allows the specific user to pay the remaining market price of the selected product. A selected product is awarded to a particular user on the condition that half of the account has been credited, or that the remaining half or more of the market price is present in the account. By doing so, the information processing system S can provide the specific user with financial products that the specific user may be interested in.
The configuration of the information processing device 3 will be described below.

[Configuration of information processing device 3]
FIG. 2 is a block diagram of the information processing device 3. As shown in FIG. In FIG. 2, arrows indicate main data flows, and there may be data flows other than those shown in FIG. In FIG. 2, each block does not show the configuration in units of hardware (apparatus), but the configuration in units of functions. As such, the blocks shown in FIG. 2 may be implemented within a single device, or may be implemented separately within multiple devices. Data exchange between blocks may be performed via any means such as a data bus, network, or portable storage medium.

The information processing device 3 has a communication section 31 , a storage section 32 and a control section 33 . The information processing device 3 may be configured by connecting two or more physically separated devices by wire or wirelessly. Also, the information processing device 3 may be configured by a cloud that is a collection of computer resources.

The communication unit 31 has a communication controller for transmitting and receiving data between the user terminal 1 and the transaction management device 2 via the network. The communication unit 31 notifies the control unit 33 of data received from the user terminal 1 or the transaction management device 2 via the network. The communication unit 31 also transmits data output from the control unit 33 to the user terminal 1 or the transaction management device 2 via the network.

The storage unit 32 is a storage medium including a ROM (Read Only Memory), a RAM (Random Access Memory), a hard disk drive, and the like. The storage unit 32 may be provided outside the information processing device 3, in which case data may be exchanged with the control unit 33 via a network. The storage unit 32 stores programs executed by the control unit 33 in advance.

The storage unit 32 stores a payment history in which a user purchases a predetermined product or uses a predetermined service in association with the user's ID. The payment history includes the name of the product purchased by the user or the name of the service used by the user. The payment history may include the name of the store where the user purchased the product or the name of the store where the user used the service. The storage unit 32 includes a user management database that manages information about users who use information processing services, a provider management database that manages information about providers, and an issuer management database that manages information about issuers. and a product management database for managing information on financial products.

FIG. 3 is a diagram showing an example of the configuration of a user management database. In the example shown in FIG. 3, the user management database stores user IDs, attribute information (age, gender, etc.), account availability, and selected products in association with each other. A user ID is an identifier for identifying a user in an information processing service. The existence of an account is information indicating whether or not the user's account exists among the accounts managed by the transaction management device 2 . A selected product is information indicating a financial product selected to be given to the user. Details of the provider management database, the issuer management database, and the product management database will be described later.

Returning to FIG. 2 , the control unit 33 has an acquisition unit 331 , a selection unit 332 , and an application processing unit 333 . The control unit 33 is a processor such as a CPU (Central Processing Unit), for example, and by executing a program stored in the storage unit 32, an acquisition unit 331, a selection unit 332, a grant processing unit 333, and a purchase processing unit 334 Function.

The acquisition unit 331 acquires user information indicating characteristics of a specific user. For example, first, the acquisition unit 331 refers to the user management database and identifies a user (specific user) who has opened an account from among a plurality of users. Then, the acquisition unit 331 acquires user information corresponding to the identified specific user. The acquisition unit 331 acquires user information from at least one of the storage unit 32 and the user terminal 1, for example.

Also, the acquisition unit 331 acquires the transaction history of the specific user. The acquisition unit 331 acquires, for example, the transaction history of the specific user stored in association with the ID of the specific user in the transaction management device 2 .

The selection unit 332 selects, from among a plurality of financial products, a financial product related to the characteristics of the specific user and related business operators based on the user information of the specific user and the transaction history of the specific user. Specifically, the selection unit 332 selects financial information related to the relevant business operator corresponding to the provider identified based on the user information of the specific user and the business-related business operator identified based on the transaction history of the specific user. Select a product. The selection unit 332 may select one financial product from among multiple financial products, or may select multiple financial products.

First, a process in which the selection unit 332 identifies a provider based on user information of a specific user and selects financial products related to the identified provider will be described. The selection unit 332 selects, as the characteristics of the specific user, financial products related to the tendency of products purchased by the specific user or the tendency of services used by the specific user.

Specifically, first, the acquisition unit 331 acquires the payment history associated with the ID of the specific user from the storage unit 32 as the user information of the specific user. Then, the selection unit 332 provides the type of product that the specific user identified by the payment history of the specific user tends to purchase or the type of service that the specific user tends to use from among the plurality of financial products. Select the financial instruments associated with the provider.

For example, in the information processing device 3, a threshold value is set in advance for each product type or service type to determine whether or not the user has a high degree of interest in the product type or service type. ing. The product types are, for example, clothes, toys, and eco. Types of services include, for example, dining, lodging, long-distance transportation (such as airplanes and bullet trains), and the like. The product types and service types may be further classified by age or gender.

In this case, first, the selection unit 332 selects the number of purchases for each type of product, or the number of times the service for each type of service has been used, based on the payment history of the specific user. Calculate the number of uses. The selection unit 332 identifies types of products or types of services for which the number of times of purchase or the number of times of use is equal to or greater than the corresponding threshold value. Then, the selection unit 332 selects a financial product related to a provider that provides the identified type of product or the identified type of service. Note that the selection unit 332 selects the type of product specified based on the purchase amount for each type of product or the type of service specified based on the usage amount for each type of service. may be selected.

For example, based on the information stored in the provider management database, the selection unit 332 identifies a provider that provides the specified type of product or the specified type of service, select the financial instruments to be traded. FIG. 4 is a diagram showing an example of the configuration of a provider management database. In the example shown in FIG. 4, the provider management database stores providers, types, and customer attributes (age, gender, etc.) in association with each other. The type is the type of product or the type of service provided in the business conducted by the provider. The type may be the industry of the provider. A customer attribute is, for example, a target customer to whom a product or service is provided.

For example, first, the selection unit 332 identifies a provider stored in the provider management database in association with the identified product type or the identified service type. Then, the selection unit 332 selects a financial product related to the specified provider from among the plurality of financial products.

For example, when the financial product is a stock and the specified type of product is "apparel," the selection unit 332 selects stocks related to company A that sells or manufactures clothes from a plurality of stocks. select. Further, for example, when the identified service types are "long-distance transportation" and "tour planning", the selection unit 332 selects stocks related to company D that operates long-distance transportation from among a plurality of stocks. and stocks associated with Company E, which organizes the tour.

For example, when the financial product is an investment trust and the specified product type is “eco”, the selection unit 332 selects a provider that conducts environmentally friendly business (for example, Select investment trusts to invest in (contributing providers, etc.). By doing so, the information processing device 3 can select a financial product related to a provider that may be of interest to a specific user.

The selection unit 332 may specify the provider as the user information of the specific user and further based on the attribute of the specific user. The selection unit 332 identifies the provider associated with the identified type and the customer attribute corresponding to the attribute of the specific user, for example, in the provider management database.

In the above, the selection unit 332 provides, from among a plurality of financial products, the type of product that the specific user identified by the payment history of the specific user tends to purchase or the type of service that the specific user tends to use. Although an example of selecting a financial product related to a provider to be used has been described, the present invention is not limited to this. For example, the selection unit 332 is associated with a provider that operates a store where the specific user purchased the product or a store where the specific user used the service specified by the payment history of the specific user from among the plurality of financial products. You may choose a financial instrument.

For example, when a plurality of different shops are included in the payment history of a specific user, the selection unit 332 selects a shop where the specific user has purchased products relatively frequently or the specific user uses the service among the plurality of shops. Select financial products related to providers that operate stores with a relatively large number of transactions. For example, the selection unit 332 selects financial products related to the provider that operates the store where the specific user has purchased the product most frequently or the service where the specific user has used the most number of times among the plurality of stores. select. By doing so, the information processing device 3 can select a financial product related to a provider that operates a store frequently visited by a specific user.

The selection unit 332 selects, as the characteristics of the specific user, the action range of the specific user (for example, regions such as Kanto, prefectures such as Tokyo, municipalities such as Shibuya Ward, or specific spots such as around Shibuya Station. region) may be selected. Specifically, first, the acquisition unit 331 acquires a history of movement of the specific user from the user terminal 1 as user information. The movement history is, for example, the history of position coordinates of the user terminal 1 measured based on information received by the GPS receiver of the user terminal 1 . Then, the selection unit 332 selects, from among the plurality of financial products, a financial product related to a provider that provides facilities existing in the action range of the specific user specified by the movement history of the specific user. Facilities are, for example, stores, stadiums, hotels, stations, airports, movie theaters, amusement parks, and the like. A provider that provides a facility is, for example, a business operator that operates the facility, or a business operator (sponsor) that supports the operation of the facility.

The selection unit 332, for example, identifies a provider that provides the identified facility based on information stored in the provider management database, and selects financial products related to the identified provider. For example, the storage unit 32 stores map information in which facilities are associated with position coordinates of the facilities, and a provider management database. FIG. 5 is a diagram showing an example of the configuration of a provider management database. In the example shown in FIG. 5, the provider management database stores providers, facilities, and customer attributes (age, gender, etc.) in association with each other. A facility is a facility provided in a business carried out by a provider. A customer attribute is, for example, a customer for whom facilities are provided.

In this case, the selection unit 332 first identifies the action range of the specific user based on the movement history of the specific user. The selection unit 332 may specify an action range that includes all areas visited by the specific user, or an area in which the period of stay is relatively long among the plurality of areas (for example, an area in which the period of stay is the longest). ) may be specified as the range of action. The selection unit 332 refers to the map information and identifies facilities existing within the action range of the specific user. For example, when a plurality of facilities exist within the specific user's range of action, the selection unit 332 selects a facility that has a relatively high degree of association with the specific user among the plurality of facilities that exist within the specific user's range of action (for example, , the facility with the highest degree of relevance) may be selected. The degree of association between a specific user and a facility is, for example, the number of times the specific user has entered the facility, the length of time the specific user has stayed at the facility, and the number of times the specific user has passed the facility. etc. The selection unit 332 identifies a provider stored in association with the identified facility in the provider management database. Then, the selection unit 332 selects a financial product related to the specified provider from among the plurality of financial products. By doing so, the information processing device 3 can select a financial product related to the provider that can be related to the specific user's life.

The selection unit 332 may specify the provider as the user information of the specific user and further based on the attribute of the specific user. The selection unit 332 identifies a provider associated with the identified facility and the customer attribute corresponding to the attribute of the specific user, for example, in the provider management database.

The selection unit 332 may select a financial product based on the tendency of products purchased by the specific user or the tendency of services used by the specific user and the activity range of the specific user. For example, the selection unit 332 selects a financial product related to a provider that provides the specified type of product or the specified type of service and that provides the specified facility.

Next, a process will be described in which the selection unit 332 identifies a business-related business operator based on the transaction history of a specific user and selects financial products related to the identified business-related business operator. As described above, the selection unit 332 identifies a business-related business operator that conducts a business related to a business conducted by an issuer that issues shares traded by the specific user in the transaction history of the specific user. The selection unit 332 identifies the business-related company based on information stored in the issuing company management database, for example.

FIG. 6 is a diagram showing an example of the configuration of the issuer management database. In the example shown in FIG. 6, the issuing company management database associates and stores issuing companies and business-related companies. In this case, the selection unit 332 identifies the business-related business operator stored in the issuer management database in association with the issuer that issues the shares traded by the specific user in the transaction history of the specific user.

When the transaction history of the specific user indicates that the specific user has traded shares issued by a plurality of different issuers, the selection unit 332 selects a relative number of shares traded from among the plurality of issuers. Select issuers with a relatively large number of issuers or issuers with relatively high transaction amounts of shares traded. The selection unit 332 selects, for example, an issuer with the largest number of transactions or an issuer with the highest transaction amount from among the plurality of issuers.

After specifying the provider and the business-related business operator, the selection unit 332 selects financial products related to the business operator corresponding to the provider business operator and the business-related business operator (hereinafter referred to as "applicable business operator"). The selection unit 332 includes stocks issued by the relevant business operator or stocks for which the use of products or services provided by the relevant business operator can be obtained as a preferential treatment from among a plurality of financial products as financial products related to the relevant business operator. Select financial instruments. The selection unit 332 selects a financial product related to the business operator based on information stored in the product management database, for example.

FIG. 7 is a diagram showing an example of the configuration of a product management database. In the example shown in FIG. 7, the product management database associates and stores financial products, related businesses, and industries. An affiliated business operator is a business operator related to financial products, such as a business operator that issues shares (financial products), or a business operator that provides products or services that can be obtained as stock incentives. The business type is the type of business of a business operator that provides financial products (for example, a business operator that issues stocks). The information stored in the product management database may be information obtained from the transaction management device 2 or may be information input by an administrator who manages the information processing device 3 .

The selection unit 332 selects a financial product by, for example, identifying a financial product associated with a related business operator including the relevant business operator in the product management database. By doing so, the information processing device 3 can select a financial product that a specific user may be interested in.

The selection unit 332 may select, from among a plurality of financial products, a financial product that matches the investment tendency of the specific user identified by the transaction history of the specific user. For example, the longer the holding period of a stock, the smaller the fluctuation in value due to economic trends (infrastructure, food, retail, etc.) You may hold financial instruments with a large number of financial instruments or those with small numbers that indicate the price volatility of stocks. The numerical value indicating stock price fluctuation is, for example, a stock price fluctuation rate, a numerical value indicating volatility, etc., and is a statistical value such as the average value, mode value, or median value of the stock price fluctuation rate of each stock traded by a specific user. . The amount of stock dividends is, for example, the total amount of dividends for each stock in all past periods, the total amount of dividends for each stock in a predetermined period in the past (for example, one year), etc., but is not limited to this. Alternatively, it may be a statistical value such as the average value, mode value or median value of the dividend amount of each stock. On the other hand, for specific users, the shorter the stock holding period, the greater the fluctuation in value due to economic trends (semiconductors, chemicals, services, etc.) may hold financial instruments with low volatility or high stock price volatility.

Therefore, the selection unit 332 may select a financial product according to the stock holding period as the investment tendency of the specific user. The stock holding period is, for example, a statistical value such as an average value, mode value, or median value of the holding period of each stock.

For example, in the information processing device 3, financial products are classified into various groups. The groups include an industry group classified according to the magnitude of fluctuations in value due to economic trends, a dividend amount group classified according to whether the dividend amount is equal to or greater than a predetermined threshold dividend amount, and a stock price group. and a volatility group classified according to whether the volatility is equal to or greater than a predetermined threshold volatility.

In this case, if the stock holding period specified by the transaction history of the specific user is longer than or equal to the threshold period, the selection unit 332 selects an industry group whose value fluctuates less due to economic trends from among the plurality of financial instruments. A financial instrument to be classified, a financial instrument classified into a dividend amount group with a dividend amount equal to or greater than the threshold dividend amount, or a financial instrument classified into a fluctuation rate group with a stock price fluctuation rate less than the threshold fluctuation rate is selected. The threshold period is a predetermined threshold, such as one day, one week, one month, or the like. For example, the selection unit 332 selects financial products classified into industry groups with small value fluctuations due to economic trends from among financial products stored in association with related businesses including the relevant business in the product management database. do.

On the other hand, the selection unit 332 classifies the stock into an industry group with large fluctuations in value due to economic trends when the holding period of the stock specified by the transaction history of the specific user is less than the threshold period from among the plurality of financial instruments. financial instruments that are classified into the dividend amount group whose dividend amount is less than the threshold dividend amount, or financial instruments that are classified into the fluctuation rate group whose share price fluctuation rate is equal to or higher than the threshold fluctuation rate. For example, the selection unit 332 selects financial products classified into industry groups with large fluctuations in value due to economic trends, among financial products stored in association with related businesses including the relevant business in the product management database. do. By doing so, the information processing device 3 can improve the accuracy of selecting a financial product that matches the investment tendency of a specific user.

Specific users who trade stocks more often prefer financial products issued by business operators whose value fluctuates greatly depending on economic trends, financial products with small dividends, or financial products with high stock price fluctuation rates. The smaller the number of transactions, the more likely they are to prefer financial products issued by business operators whose value fluctuates less depending on economic trends, financial products with higher dividend amounts, or financial products with lower stock price fluctuations. Therefore, the selection unit 332 may select a financial product according to the number of times stocks are traded as the investment tendency of a specific user.

Specifically, if the number of transactions of a stock specified by the transaction history of a specific user is equal to or greater than a threshold number of times from among a plurality of financial products, the selection unit 332 selects an industry group with large fluctuations in value due to economic trends. A financial product to be classified, a financial product classified into a dividend amount group in which the dividend amount is less than the threshold dividend amount, or a financial product classified into a fluctuation rate group in which the stock price fluctuation rate is equal to or higher than the threshold fluctuation rate is selected. The threshold number of times is a predetermined threshold, such as 100 times or 1000 times. On the other hand, if the number of transactions of a stock specified by the transaction history of a specific user is less than the threshold number of times among a plurality of financial products, the selection unit 332 classifies the stock into an industry group with small fluctuations in value due to economic trends. A financial instrument, a financial instrument classified into a dividend amount group with a dividend amount equal to or greater than the threshold dividend amount, or a financial instrument classified into a volatility group with a stock price fluctuation rate less than the threshold fluctuation rate is selected. By doing so, the information processing device 3 can improve the accuracy of selecting a financial product that matches the investment tendency of a specific user.

For a specific user, the greater the amount invested in stocks, the more financial products issued by business operators whose value fluctuates greatly depending on economic trends, financial products with small dividends, or financial products with large stock price fluctuations. I don't like it. Therefore, the selection unit 332 may select a financial product according to the investment amount as the investment tendency of the specific user. The investment amount is, for example, the total amount invested by a specific user in the past.

Specifically, if the investment amount specified by the transaction history of the specific user is equal to or greater than the threshold investment amount, the selection unit 332 classifies the financial products into an industry group with small value fluctuations due to economic trends. Select financial instruments that are classified into a dividend amount group whose dividend amount is equal to or greater than the threshold dividend amount, or financial instruments classified into a volatility group whose volatility is less than the threshold volatility. The threshold investment amount is a predetermined threshold value, for example, 1 million yen, 10 million yen, or the like.

On the other hand, if the investment amount specified by the transaction history of the specific user is less than the threshold investment amount from among a plurality of financial products, the selection unit 332 selects a financial product that is classified into an industry group with large fluctuations in value due to economic trends. A product, a financial product classified into a dividend amount group whose dividend amount is less than the threshold dividend amount, or a financial product classified into a volatility group whose volatility is equal to or higher than the threshold volatility is selected. By doing so, the information processing device 3 can improve the accuracy of selecting a financial product that matches the investment tendency of a specific user.

The selection unit 332 may select a financial product according to the stock price fluctuation rate as the investment tendency of the specific user. Specifically, the selection unit 332 determines whether the stock price fluctuation rate specified by the transaction history of the specific user is equal to or higher than the threshold fluctuation rate among the plurality of financial instruments, and determines whether the price fluctuation rate due to economic trends is determined. Financial products classified into the industry group with large fluctuations in value due to economic trends, financial products classified into the industry group with small fluctuations in value due to economic trends, or classified into the dividend amount group where the dividend amount is less than the threshold dividend amount Select one of the financial instruments and the financial instruments classified into the dividend amount group whose dividend amount is equal to or greater than the threshold dividend amount.

For example, when the stock price fluctuation rate specified by the transaction history of the specific user is equal to or higher than the threshold fluctuation rate, the selection unit 332 classifies the financial instruments into an industry group with large fluctuations in value due to economic trends. Select a financial instrument or a financial instrument that falls into a dividend amount group whose dividend amount is less than the threshold dividend amount. On the other hand, if the stock price volatility specified by the transaction history of the specific user is less than the threshold volatility, the selection unit 332 selects a financial product classified into an industry group with small value fluctuations due to economic trends, or a dividend amount that is a threshold value. Select financial instruments that fall into the Dividend Amount Group that is equal to or greater than the Dividend Amount. Note that when the stock price fluctuation rate specified by the transaction history of the specific user is equal to or higher than the threshold fluctuation rate, the selection unit 332 selects the financial product classified into the industry group whose value fluctuates less depending on economic trends, or the dividend amount as the threshold value. If a financial product classified into a dividend amount group that is equal to or greater than the dividend amount is selected and the stock price fluctuation rate is less than the threshold fluctuation rate, the financial product or dividend amount is classified into an industry group with large fluctuations in value due to economic trends. may be selected to fall into the dividend amount group for which is less than the threshold dividend amount. By doing so, the information processing device 3 can improve the accuracy of selecting a financial product that matches the investment tendency of a specific user.

The selection unit 332 may select a financial product according to the stock dividend amount as the investment tendency of the specific user. Specifically, the selection unit 332 selects, from among the plurality of financial instruments, the value of the stock specified by the transaction history of the specific user according to whether or not the dividend amount is equal to or greater than the threshold dividend amount. Any of the above financial products classified into an industry group with small fluctuations in value and the above financial products classified into an industry group with large fluctuations in value due to economic trends, or if the fluctuation rate is less than a predetermined threshold fluctuation rate Selecting one of the financial instruments classified into a certain volatility group and the financial instruments classified into a volatility group whose volatility is equal to or higher than the threshold volatility.

For example, when the dividend amount of a stock specified by a specific user's transaction history is equal to or greater than the threshold dividend amount among a plurality of financial instruments, the selection unit 332 classifies the stock into an industry group with small value fluctuations due to economic trends. or financial instruments that fall into the volatility group whose share price volatility is less than the threshold volatility. The threshold investment amount is a predetermined threshold value, for example, 100,000 yen, 1,000,000 yen, or the like. On the other hand, if the dividend amount of a stock specified by a specific user's transaction history is less than the threshold amount, the selection unit 332 classifies the stock into an industry group with large fluctuations in value due to economic trends among a plurality of financial instruments. Select a financial instrument or a financial instrument classified into a volatility group whose share price volatility is greater than or equal to the threshold volatility. In addition, when the dividend amount of the stock specified by the transaction history of the specific user is equal to or more than the threshold dividend amount, the selection unit 332 selects the financial product classified into the industry group whose value fluctuates greatly depending on the economic trend, or the stock price fluctuation rate is greater than or equal to the threshold volatility, and if the dividend amount of the stock is less than the threshold, the financial products are classified into the industry group whose value fluctuates less due to economic trends, or Financial instruments that fall into a volatility group whose share price volatility is less than a threshold volatility may be selected. By doing so, the information processing device 3 can improve the accuracy of selecting a financial product that matches the investment tendency of a specific user. Note that the selection unit 332 may select the first financial product when the stock dividend amount is equal to or greater than the threshold dividend amount, and may select the second financial product when the stock dividend amount is less than the threshold amount. . When selecting a financial product, the selection unit 332 stores information indicating the selected product in the user management database in association with the user ID.

The grant processing unit 333 executes processing (hereinafter referred to as “grant processing”) for granting the right to purchase the selected product (financial product selected by the selection unit 332) to the specific user. Specifically, first, the grant processing unit 333 collects information indicating the selected product stored in the user management database in association with the ID of the specific user, the ID of the specific user, and right information indicating the content of the purchase right (for example, amount paid by the specific user) to the transaction management device 2 . Then, the transaction management device 2 purchases the selected product and gives the selected product to the specific user indicated by the ID of the specific user according to the contents of the purchase right. The provision processing unit 333 executes the provision processing, for example, triggered by the selection of the financial product by the selection unit 332 .

For example, if the purchase right is that the administrator of the information processing device 3 bears half of the market price of the selected product at a predetermined time, the transaction management device 2 allows the specific user to pay the remaining market price of the selected product. A selected product is awarded to a particular user on the condition that half of the account has been credited, or that the remaining half or more of the market price is present in the account. The grant processing unit 333 may execute processing for granting the selected product to the specific user free of charge.

Specifically, the grant processing unit 333 executes processing for granting the selected product to the specific user. In this case, the grant processing unit 333 transmits to the transaction management device 2 right information indicating that the amount to be borne by the specific user is 0 yen as the contents of the purchase right. When the transaction management device 2 acquires the information from the information processing device 3, the transaction management device 2 gives the selected product to the specific user indicated by the ID of the specific user.

After the selection unit 332 selects a financial product, the provision processing unit 333 may execute the provision processing when the specific user performs a predetermined action in the information processing service. For example, the provision processing unit 333, as a predetermined action, when the information processing service is a shopping service and purchases a product in the shopping service, or in a lottery (for example, gacha) performed after purchasing a product in the shopping service When winning, grant processing is executed.

When the selection unit 332 selects a plurality of financial products, the grant processing unit 333 executes grant processing for one of the multiple selected products. For example, the provision processing unit 333 may randomly select a selected product to be given to a specific user from among a plurality of selected products, or may select a selected product to be given to a specific user from among a plurality of selected products to a specific user. You can choose.

[Processing of information processing device 3]
Next, the processing flow of the information processing device 3 will be described. FIG. 8 is a flow chart showing the processing flow of the information processing device 3 . This flowchart starts when the acquisition unit 331 identifies a specific user (a user who has an account) from a plurality of users who use the information processing service (S1). The acquisition unit 331 acquires user information and transaction history of the identified specific user (S2).

The selection unit 332 identifies the business operator based on the user information and transaction history of the specific user (S3). Specifically, first, the selection unit 332 identifies a provider that carries out business related to the specific user's characteristics indicated by the specific user's user information. The selection unit 332 identifies a business-related business operator that carries out a business related to a business carried out by an issuer that issues shares traded by the specific user in the transaction history of the specific user. Then, the selection unit 332 identifies a corresponding business operator corresponding to the identified provider business operator and the identified business-related business operator.

The selection unit 332 selects a financial product related to the specified business operator (S4). Then, the grant processing unit 333 executes grant processing for granting the purchase right of the selected product (financial product selected by the selection unit 332) to the specific user (S5). Specifically, first, the grant processing unit 333 transmits information indicating the selected product stored in the user management database in association with the ID of the specific user, the ID of the specific user, and the right information to the transaction management device 2. . Then, the transaction management device 2 purchases the selected product and grants the selected product to the specific user indicated by the specific user's ID according to the content of the right.

[Effects of this embodiment]
As described above, based on the user information and transaction history of the specific user, the information processing device 3 selects financial products related to the characteristics of the specific user and the business-related business operator from among a plurality of financial products, and selects the financial product. Execute processing for granting the right to purchase a product to a specific user. By doing so, the information processing device 3 can provide the specific user with financial products that the specific user may be interested in.

The present invention makes it possible to contribute to Goal 9 of the Sustainable Development Goals (SDGs) led by the United Nations, "Industry and technological innovation."

Although the present invention has been described above using the embodiments, the technical scope of the present invention is not limited to the scope described in the above embodiments, and various modifications and changes are possible within the scope of the gist thereof. be. For example, all or part of the device can be functionally or physically distributed and integrated in arbitrary units. Further, new embodiments resulting from arbitrary combinations of multiple embodiments are also included in the embodiments of the present invention. The effect of the new embodiment caused by the combination has the effect of the original embodiment.

1 user terminal 2 transaction management device 3 information processing device 31 communication unit 32 storage unit 33 control unit 331 acquisition unit 332 selection unit 333 grant processing unit S information processing system

Claims (15)

Acquisition for acquiring a transaction history in which a user having an account used for trading financial products including stocks has traded the financial product, and user information that is information indicating characteristics of the user and other than the transaction history Department and
Issuing shares traded in the transaction history in an issuer management database in which an issuer that issues shares and a business-related business operator that conducts business related to the business conducted by the issuer are associated identifying the business-related entity associated with the issuing entity, and selecting the financial product related to the characteristics of the user and the identified business-related entity from among a plurality of the financial products; a selection unit;
a grant processing unit that executes processing for granting the user the right to purchase the financial product selected by the selection unit at a price less than the market price at a predetermined time;
Information processing device having The selection unit selects, from among the plurality of financial instruments, the financial instrument that matches the investment tendency of the user identified by the transaction history.
The information processing device according to claim 1 . The selection unit selects from among the plurality of financial instruments a business group whose value fluctuates less depending on economic trends if the stock holding period specified by the transaction history is equal to or longer than a predetermined threshold period. The financial instruments to be classified, the financial instruments to be classified into a dividend amount group whose dividend amount is equal to or greater than a predetermined threshold dividend amount, or the volatility group to be classified into a volatility group whose volatility is less than a predetermined threshold volatility if the holding period is less than the threshold period, the financial instrument is classified into an industry group whose value fluctuates greatly depending on economic trends, and the dividend amount is less than the threshold dividend amount. selecting the financial instruments classified into the amount group or the financial instruments classified into the volatility group whose volatility is equal to or greater than the threshold volatility;
The information processing device according to claim 1 . If the number of transactions of a stock specified by the transaction history is equal to or greater than a predetermined threshold number of times from among the plurality of financial instruments, the selection unit selects an industry group whose value fluctuates greatly depending on economic trends. The financial instruments to be classified, the financial instruments to be classified into a dividend amount group whose dividend amount is less than a predetermined threshold dividend amount, or the volatility rate group to be classified into a volatility group whose volatility rate is equal to or higher than a predetermined threshold volatility rate and if the number of transactions is less than the threshold number of times, the financial instrument is classified into an industry group whose value fluctuates less depending on economic trends, and the dividend amount is equal to or greater than the threshold dividend amount. selecting the financial instruments classified into an amount group or the financial instruments classified into a volatility group whose volatility is less than the threshold volatility;
The information processing device according to claim 1 . If the investment amount specified by the transaction history is equal to or greater than a predetermined threshold investment amount from among the plurality of financial instruments, the selection unit classifies the financial instruments into an industry group whose value fluctuates less depending on economic trends. the financial product classified into a dividend amount group whose dividend amount is equal to or greater than a predetermined threshold dividend amount, or the financial product classified into a volatility group whose volatility is less than a predetermined threshold volatility The financial product is selected, and if the investment amount is less than the threshold investment amount, the financial product is classified into an industry group whose value fluctuates greatly depending on economic trends, and the dividend amount is less than the threshold dividend amount. selecting the financial instruments classified into the amount group or the financial instruments classified into the volatility group whose volatility is equal to or greater than the threshold volatility;
The information processing device according to claim 1 . The selection unit determines whether or not a numerical value indicating price fluctuation of a stock specified by the transaction history from among the plurality of financial instruments is equal to or greater than a predetermined threshold value, and whether or not the value fluctuation due to economic trends is Any of the above financial instruments classified into a large industry group and the above financial instruments classified into an industry group whose value fluctuates less depending on economic trends, or a dividend amount that is less than a predetermined threshold dividend amount Selecting one of the financial instruments classified into the group and the financial instruments classified into the dividend amount group whose dividend amount is equal to or greater than the threshold dividend amount;
The information processing device according to claim 1 . The selection unit selects an industry group whose value fluctuates less depending on economic trends, according to whether or not the dividend amount of the stock specified by the transaction history is equal to or greater than a predetermined threshold from among the plurality of financial instruments. and any of the above financial instruments classified into an industry group with large fluctuations in value due to economic trends, or a volatility group whose volatility is less than a predetermined threshold volatility selecting one of the financial instruments that are classified into a volatility group whose volatility is equal to or greater than the threshold volatility;
The information processing device according to claim 1 . The acquisition unit acquires a history of the user purchasing products or using services as the user information,
The selection unit selects from among the plurality of financial products a provider that provides a type of product that the user identified by the history tends to purchase or a type of service that the user tends to use. selecting the relevant financial instrument;
The information processing device according to claim 1 . The acquisition unit acquires a history of movement of the user as the user information,
The selection unit selects, from among the plurality of financial products, the financial product related to a provider that provides a facility existing within the action range of the user identified by the history.
The information processing device according to claim 1 . The selection unit selects, from among the plurality of financial instruments, the use of stocks issued by the relevant business operator corresponding to the providing business operator and the business-related business operator or the use of the product or service provided by the relevant business operator as a preferential treatment selecting said financial instrument containing the resulting stock;
The information processing apparatus according to claim 8 or 9. The user information is associated with a user identifier for identifying the user,
the account is associated with the user identifier;
The information processing device according to claim 1 . The grant processing unit executes a process for granting the financial product selected by the selection unit as the right to the user free of charge.
The information processing device according to claim 1 . The acquisition unit acquires a history of the user purchasing products or using services as the user information,
The selection unit selects, from among the plurality of financial products, the financial product related to the business operator that operates the store where the user purchased the product or the store where the user used the service specified by the history. do,
The information processing device according to claim 1 . the computer runs
A step of obtaining a transaction history in which a user having an account used for trading financial products including stocks has traded the financial product, and user information that is information indicating characteristics of the user and other than the transaction history. and,
Issuing shares traded in the transaction history in an issuer management database in which an issuer that issues shares and a business-related business operator that conducts business related to the business conducted by the issuer are associated identifying the business affiliate associated with the issuer;
selecting the financial product related to the characteristics of the user and the identified business-related entity from among the plurality of financial products;
performing a process to grant the user the right to purchase the selected financial instrument for less than the market price at a given point in time;
An information processing method comprising: the computer,
Acquisition for acquiring a transaction history in which a user having an account used for trading financial products including stocks has traded the financial product, and user information that is information indicating characteristics of the user and other than the transaction history part,
Issuing shares traded in the transaction history in an issuer management database in which an issuer that issues shares and a business-related business operator that conducts business related to the business conducted by the issuer are associated identifying the business-related entity associated with the issuing entity, and selecting the financial product related to the characteristics of the user and the identified business-related entity from among a plurality of the financial products; a selection unit; and a grant processing unit that executes processing for granting the user the right to purchase the financial product selected by the selection unit at a price less than the market price at a predetermined time,
A program to function as

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