JP7304761B2 - Information processing device, information processing method and information processing program - Google Patents

Description

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

Conventionally, there is an operation system that manages points earned by users using credit cards. In such an operation system, interest points are given according to the operation period of the points.

JP 2010-92281 A

However, the above technology has room for improvement in terms of prompting users to manage their assets. In other words, in the conventional technology described above, the points cannot be used during the period in which the points are used, and the liquidity of the points decreases.

The present application has been made in view of the above, and an object thereof is to provide an information processing apparatus, an information processing method, and an information processing program capable of encouraging a user to manage assets.

An information processing apparatus according to the present application includes a management section and an operation section. The management unit manages benefits that can be used for payment at a specific store for each user. The management unit converts the benefits managed by the management unit into investment products and manages them.

According to one aspect of the embodiment, the user can be encouraged to manage assets.

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

Hereinafter, modes for implementing an information processing apparatus, an information processing method, and an information processing program according to the present application (hereinafter referred to as "embodiments") will be described in detail with reference to the drawings. The information processing apparatus, information processing method, and information processing program according to the present application are not limited to this embodiment. Also, in each of the following embodiments, the same parts are denoted by the same reference numerals, and overlapping descriptions are omitted.

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

The information processing apparatus shown in FIG. 1 is a server that manages electronic money for each user, and when a user makes an electronic money payment at a store, performs payment processing of paying the store an amount corresponding to the settlement amount. In other words, the information processing device functions as a wallet on the Internet for each user.

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

The information processing device manages the privilege and manages the privilege to encourage the user to manage assets. Specifically, first, the information processing device performs purchase processing for purchasing an investment product using a privilege (step S1).

For example, the information processing device can open an account with a securities company for each user and purchase investment products through the account. Here, the investment product is an investment product whose principal is not guaranteed, and includes stock certificates, investment trusts, and the like.

Then, the information processing device periodically notifies the user of the property owned by the user as a privilege (step S2). That is, when the stock price or the value of the investment trust increases, the asset value as a benefit increases, and when the stock price or the value of the investment trust decreases, the asset value as a benefit decreases.

The information processing device can also notify the user of dividends of stock certificates and investment trusts held by the user, including such dividends as assets. In this way, the information processing apparatus can make the user realize that the assets are increasing by notifying the assets.

Then, when the user purchases the product at the member store (step S3), the store terminal notifies the information processing device of a payment request (step S4). The information processing device receives the settlement request and performs processing for selling the investment product (step S5).

As a result, the investment product can be exchanged for electronic money. At this time, the user does not need to carry out the procedure for selling the investment product. That is, the information processing device automatically sells the investment product according to the settlement amount. As a result, it is possible to ensure the liquidity of the benefits for the user. Then, the information processing device performs settlement processing for transferring the electronic money obtained by selling the investment product to the account of the store terminal (step S6).

In this way, the information processing apparatus converts the privilege into an investment product and manages it, so that the user can easily manage his/her assets, so that the user can be encouraged to manage his/her assets. The information processing apparatus can also use electronic money, which will be described later.

[2. Information processing system]
FIG. 2 is a diagram illustrating an example of a configuration of an information processing system according to the embodiment; As shown in FIG. 2, the information processing system 100 according to the embodiment includes an information processing device 1, a plurality of terminal devices 2-1 to 2-n (n is an integer equal to or greater than 2), a plurality of store terminals 3- 1 to 3-m (m is an integer equal to or greater than 2), a bank server 4, and an investee server 5. The bank server 4 is a server of a bank that provides operating accounts for managing electronic money held by users U-1 to Un. Operational accounts refer to deposit products provided by financial institutions, such as ordinary deposits, time deposits, and structured deposits. Also, the investee server 5 is a server that provides various financial products.

The information processing device 1, the plurality of terminal devices 2-1 to 2-n, the plurality of store terminals 3-1 to 3-m, the bank server 4, and the investee server 5 are interconnected via a network 6 by wire or wirelessly. Communicatively connected. The network 6 is, for example, a LAN (Local Area Network) or a WAN (Wide Area Network) such as the Internet. Terminal devices 2-1 to 2-n are operated by users U-1 to Un.

In the following description, each of the terminal devices 2-1 to 2-n will be referred to as a terminal device 2 when not distinguished from each other. In addition, when each of the store terminals 3-1 to 3-m is shown without distinction, it is described as a store terminal 3, and when each of the users U-1 to Un is shown without distinction, it is described as a user U. do.

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

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

Other benefits include points given based on the purchasing behavior of the user U at the affiliated store. The points here include points given by a credit card company when payment is made using a credit card, points given for the purchase of a product itself, and the like.

Note that the points based on the user U's purchasing behavior are returned to the user U for the purchasing behavior. will be given as points.

The store terminal 3 is a terminal installed in a store where electronic money settlement is possible, that is, a member store. The store terminal 3 can perform online payment by accessing the information processing device 1 via the network 6 when the user U purchases a product.

The bank server 4 is a server of a so-called net bank, and profits can be obtained by consolidating and investing the funds deposited in each operation account. Part of the profit is distributed to each user U's operating account as interest according to the balance and operating period of each operating account. The bank server 4 makes artificial intelligence (AI) learn big data aggregated by each service operated by the information processing device 1, and determines an investment destination, thereby realizing a relatively high yield. .

The bank server 4 applies a so-called deposit insurance system that guarantees the principal of money deposited in the operating account. Therefore, a management account can be said to be a financial product of assets whose principal is guaranteed.

The investee server 5 is a server that provides various financial products. The investee server 5 provides various financial products for user U's electronic money and benefits managed by the information processing device 1 . Financial products provided by the investee server 5 include government bonds, investment trusts, securities, foreign currency transactions, foreign currency deposits, and the like. The investee server 5 may be operated by one securities company, or may be operated by different companies depending on financial products.

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

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

[3.2. Memory part]
The storage unit 11 has a user information DB 20 and an asset information DB 21 . The storage unit 11 is, for example, a semiconductor memory device such as a flash memory, or a storage device such as an HDD or an optical disc.

[3.2.1. User information DB]
The user information DB 20 has a user information table including a plurality of pieces of user information, which is user U's information. A user U is a user of a service provided by a business operator who operates and manages the information processing device 1 . The services provided by such business operators are online services that provide services to the user U online. It includes video distribution services provided by , news distribution services provided by news sites, etc.

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

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

"Name" indicates the user's U name, and "address" indicates the user's U address. "Gender" indicates the sex of the user U, and "age" indicates the age of the user U. Based on this information, the above operating account is opened. Further, the “management account ID” is identification information of the management account.

Also, only a user ID is assigned to a user U whose personal information is not registered.

[3.2.2. Asset Information DB]
The asset information DB 21 has an asset information table that includes multiple pieces of asset information that are information about assets of each user U. FIG. Assets here refer to assets of the user U managed by a service provided by a business operator who operates and manages the information processing apparatus 1 .

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

The "date and time" indicates the date and time when the assets of the user U changed, and the "money type" indicates the type of electronic money held by the user U, which is roughly divided into "electronic money" and "privileges". .

“Electronic money” corresponds to the balance of user U's operating account. The privilege corresponds to the point balance given based on the user U's purchasing behavior and the difference added to the prepaid voucher such as the prepaid card purchased by the user U. It should be noted that the user U can make electronic money settlement using both electronic money and benefits. It is also assumed that electronic money of 1 yen and privilege of 1 point have the same value.

The “investment destination” indicates an investment destination in which the user U has purchased electronic money or benefits as funds. The example shown in FIG. 5 shows a case where "government bonds", "investment trusts", "FX" and the like are included as "investors". "Total assets" indicates the total amount of all assets owned by the user U.

In the example shown in FIG. 5, electronic money settlement of 3000 yen is performed on "2018 3/16", and the investment trust investment profit is added to the electronic money on "2018 3/17" and "+125 yen" is added. , indicates that “12 points” of investment trust investment profits have been added to the privilege.

[3.3. control part]
The control unit 12 includes, for example, a microcomputer having a CPU (Central Processing Unit), a ROM (Read Only Memory), a RAM (Random Access Memory), an input/output port, and various circuits.

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

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

When the user U makes an electronic money payment at a store, the control unit 12 performs payment processing to pay the store an amount corresponding to the payment amount, and also mediates various operations of assets deposited by the user U into electronic money. . The control unit 12 can also use the benefits that the user U has obtained by electronic money settlement.

[3.3.1. Management Department〕
The management unit 30 manages benefits that can be used for each user U when paying at a member store. The management unit 30 manages the history of purchase behavior at member stores for each user U, and gives points as benefits according to the purchase behavior.

Further, as described above, when the user U purchases a prepaid voucher, the management unit 30 can give the user U the difference in the amount of the prepaid voucher as points. That is, the user U can obtain benefits through both purchasing behavior at the member store and purchase of the prepaid voucher.

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

In addition, the management unit 30 can also receive, for example, profits earned by the user U from services (net auction, net flea market, etc.) managed by the information processing device 1 as electronic money.

[3.3.2. Distribution part]
The distribution unit 31 distributes the investment destination according to the type of asset owned by the user U. FIG. 6 is a diagram showing a specific example of processing by the distribution unit 31. As shown in FIG. FIG. 6 is a diagram showing a specific example of processing by the distribution unit 31. As shown in FIG. Here, a case where the user U deposits 5,000 yen in cash directly into electronic money and a case where the user U purchases a 5,000 yen prepaid voucher will each be given a benefit of 200 points. Note that the privilege is also given when the user U makes a purchase at a member store, as described above.

As shown in FIG. 6, when the user U deposits 5,000 yen into electronic money, the amount of electronic money increases by 5,000 yen. In this case, the distribution unit 31 distributes the 5,000 yen electronic money to the management account, and distributes the privilege of 200 points for the 5,000 yen electronic money to the investment product. As described above, investment products are investment products that are not principal-guaranteed, and exclude principal-guaranteed government bonds, corporate bonds, and the like. It should be noted that the investment profit and sale profit of the investment product are treated in the same manner as the privilege, but it is also possible to deposit them into the investment account.

Similarly, when the user U purchases a prepaid voucher worth 5,000 yen, the allocating unit 31 allocates the investment destination for the 5,000 yen to the operating account in the same manner as the electronic money of 5,000 yen, and deposits the money into the electronic money. At that time, the 200 points granted as a privilege will be allocated to investment products.

In the operating account, it is possible to earn interest according to the deposit balance and the operating period. Furthermore, the distribution unit 31 can also distribute various financial products as investment destinations of the deposit balance of the user U's operating account. In this case, the user U can purchase all financial products including investment products using the deposit balance of the operating account. In other words, the distribution unit 31 does not particularly prescribe the investment destination of the balance of the investment account.

In addition, investment profits distributed to users U according to purchases of various financial products and profits on sales of various financial products are deposited in the investment account. Note that the allocating unit 31 can also directly allocate the electronic money to government bonds, corporate bonds, and investment trusts without going through an investment account. However, in this case, an upper limit is set for the transaction amount per day, and the user U cannot perform transactions exceeding the upper limit. On the other hand, the upper limit of the transaction amount can be abolished by intermediating the management account.

That is, the user U can purchase various financial products through the management account, thereby increasing the transaction amount that can be traded per day. Therefore, once the electronic money is allocated to the investment account, not only can interest be automatically earned, but it is also possible to purchase various financial products exceeding the upper limit of the transaction amount set for the electronic money. It becomes possible.

In this way, the allocating unit 31 can allocate all the currencies that can be used on the network 6 to the asset management of the user U by allocating the investment destination according to the type of money. Also, the user U can hedge risks by purchasing different investment products according to the type of money.

In this way, the allocating unit 31 can allocate all the currencies that can be used on the network 6 to the asset management of the user U by allocating the investment destination according to the type of money. Also, the user U can hedge risks by purchasing different investment products according to the type of money.

Note that the allocating unit 31 may treat all of the prepaid vouchers as benefits for the user U who has not opened an operating account. In addition, the distribution unit 31 may distribute the investment destination so that only principal-guaranteed financial products can be purchased with electronic money in consideration of the balance with the investment destination of the privilege. .

[3.3.3. Operations Department]
The management unit 32 converts the benefits managed by the management unit 30 into investment products and manages them. In addition, the management unit 32 can convert the electronic money into various financial products through the management account described above and manage the electronic money. Further, the management unit 32 purchases the investment product of the investment destination that has been distributed according to the type of money by the distribution unit 31 described above.

By the way, the privilege is generally provided with an effective period. For this reason, it is conceivable that the validity period may expire during the period when the privilege is put into operation. Therefore, the management unit 32 can extend the valid period by the period during which the privilege is converted to an investment product.

As a result, the user U can use the privilege without worrying about the expiration date of the privilege. In addition, the management unit 32 can reset the expiration date when the investment product is converted into a privilege again.

As a result, it is possible to prompt the user U to operate the benefits that are about to expire. In addition, the management unit 32 returns to the user U, as a privilege, the investment profit and the profit on sale of the investment product based on the privilege. This makes it possible to encourage the user U to shop at the member store.

Note that the operation unit 32 can also deposit the operation profit and sale profit based on the privilege into the user U's operation account. In this case, it is also possible to repay the user U in the form of cash from such investment profits and sales profits.

[3.3.4. Payment processing unit]
The settlement processing unit 33 performs settlement processing using electronic money obtained by selling an investment product according to the payment amount at the time of payment at a member store. The settlement processing unit 33 receives a settlement request from the store terminal 3 (see FIG. 2) installed at the member store when the user U makes a payment at the member store. Subsequently, the settlement processing unit 33 confirms the balance of the privilege owned by the user U.

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

Then, the settlement processing unit 33 can perform the above settlement processing using the electronic money obtained by selling the investment product. In this way, the settlement processing unit 33 can ensure the liquidity of the assets of the user U by selling the investment product and making the settlement. In addition, since the settlement processing unit 33 carries out procedures for selling investment products on behalf of the user U, the operation by the user U can be simplified.

At this time, the payment processing unit 33 can also perform payment processing by combining the balance of the privilege and the balance of the electronic money. That is, the payment processing unit 33 can use the privilege for part of the payment amount and apply electronic money to the rest of the payment amount to perform payment processing.

In addition, the settlement processing unit 33 can also directly perform settlement processing using investment products. That is, it is also possible to perform settlement processing by transferring the investment product from the user U to the member store. In this case, the process of selling the investment product can be omitted, so the settlement process can be easily performed.

The settlement processing unit 33 is also capable of performing settlement with electronic money held by the user U. In this case, the settlement processing unit 33 performs settlement processing by withdrawing the necessary amount from the operation account to electronic money via the operation unit 32 when the user U pays with electronic money.

Also, in this case, the settlement processing unit 33 can appropriately sell the financial product purchased by the user U through the investment account, and then perform electronic money settlement using the price of the financial product.

In this way, the user U can make a payment using all the assets of the user U managed by the information processing device 1 . As a result, it is possible to encourage the user U to use electronic money and to promote purchasing behavior at member stores.

Next, with reference to FIGS. 7A to 7D, an example of processing from notifying the user U of the asset to purchasing the investment product with the benefit of the user U will be described. FIG. 7A is a diagram showing an example of a notification screen.

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

This enables the user U to easily check the fluctuation of the asset value. Also, in the message, the change in assets compared to the previous day is notified. Therefore, the user U can easily grasp the increase/decrease amount of his own assets.

It should be noted that not only the application notification but also notification using other notification methods such as notification of changes in assets when the user U opens an application or a web page provided by the information processing apparatus 1 may be used. good.

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

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

"Breakdown of total assets" indicates the breakdown of total assets. The example shown in FIG. 7B shows a case where YY fund (securities company), stocks and money are displayed as breakdowns. In addition, the increase/decrease amount compared to the previous day is displayed in each breakdown. Thereby, the user U can easily grasp which financial product has increased or decreased the total assets.

The user U can easily consider buying or selling a financial product based on the amount of increase/decrease compared to the previous day for each financial product. Further, when the user U selects "see other products" shown in FIG. 7B, the terminal device 2 displays a financial product selection screen.

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

The example shown in FIG. 7C indicates that the risk of MMF (Money Management Fund) is low, the risk of YY fund (securities company) is medium, and the risk of FX is high. In this way, by presenting relative risks to the user U in advance, it is possible for the user U to easily grasp the risk of each financial product.

As a result, the user U can select a financial product to purchase based on the risk, and thus can easily select a financial product that matches his sense of values.

FIG. 7D is a diagram showing an example of a purchase screen. FIG. 7D shows a case where the user U selects "YY fund" among the financial products shown in FIG. 7C. In FIG. 7D, on the purchase screen, a chart showing price fluctuations, a purchase price column for the user U to specify the purchase price, a payment method, and the like are displayed.

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

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

For an investment product such as "YY fund" where the principal is not guaranteed, the benefit balance and the electronic money balance may be displayed together.

After specifying the purchase amount and payment method, the user U can purchase the financial product by operating the slide bar shown in FIG. 7D. Based on this operation, the operation unit 32 purchases the specified financial product for the specified amount.

In this way, the management unit 32 can encourage the user U to manage assets by purchasing an investment product using the privilege. In particular, since the privilege is returned to the user U as a bonus for the purchase behavior, it is possible to lower the psychological barrier of the user U to purchasing the investment product. Therefore, it is effective when the user U performs asset management for the first time.

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

As shown in FIG. 8, the information processing apparatus 1 first selects users U who have a privilege (step S101), and purchases an investment product of a specified amount for each of the selected users (step S102). .

Subsequently, the information processing device 1 notifies the user U of the assets at a predetermined cycle (step S103). The information processing device 1 determines whether or not the user U has made a payment at the member store (step S104).

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

Subsequently, the information processing device 1 performs settlement processing using the electronic money obtained by selling the investment product (step S107), and ends the processing. Also, in step S105, if the settlement amount is less than the privilege balance (step S105, No), the process proceeds to step S107. Further, when there is no payment at the member store (step S104, No), the information processing device 1 ends the process.

Note that the processes of steps S101 to S103 are repeatedly executed regardless of the presence or absence of processes after step S104.

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

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

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

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

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

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

The CPU 201 of the computer 200 can realize the functions of the management unit 30, the allocation unit 31, the operation unit 32, and the settlement processing unit 33 described above by executing the programs loaded on the RAM 202. FIG. Also, the management unit 30, the distribution unit 31, the operation unit 32, and the settlement processing unit 33 may be configured partially or wholly only by hardware.

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

[6. effect〕
The information processing apparatus 1 includes a management unit 30 that manages benefits that can be used for each user when paying at a specific store, and an operation unit 32 that converts the benefits managed by the management unit 30 into investment products and manages them. Therefore, the user U can be encouraged to manage assets.

In addition, the management unit 30 manages, as benefits, points given based on the user's purchasing behavior at a specific store. Therefore, it is possible for the user U to manage assets using the points accumulated based on the purchase behavior.

In addition, the management unit 30 manages the difference added to the prepaid voucher as a privilege. Therefore, since the user can arbitrarily increase the benefits, it is possible to encourage asset management using the benefits.

Also, the management unit 32 converts the benefit to an investment product whose principal is not guaranteed. Therefore, it becomes possible to manage assets through the privilege.

The information processing apparatus 1 also includes a payment processing unit 33 that performs payment processing using electronic money obtained by selling an investment product at the time of payment at a specific store. Therefore, it is possible to facilitate user U's asset management while securing the liquidity of user U's assets.

The settlement processing unit 33 performs settlement processing using an investment product when paying at a specific store. Therefore, it is possible to easily perform settlement processing.

In addition, the operation unit 32 extends the usage period provided for the privilege for the period during which the privilege is managed as an investment product. Therefore, the user U can use the privilege without worrying about the expiration date of the privilege.

In addition, the management unit 32 notifies the user U of assets based on the management period of the investment product. Therefore, it is possible to make the user U realize that the assets are increasing.

The information processing apparatus 1 also includes a distribution unit 31 that distributes investment destinations according to the types of assets held by users. Therefore, all the assets owned by the user U can be used for asset management.

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

Also, the "section, module, unit" described above can be read as "means" or "circuit". For example, the acquisition unit can be read as acquisition means or an acquisition circuit.

Although the present invention has been described using the above embodiments, the technical scope of the present invention is not limited to the scope described in the above embodiments. It is obvious to those skilled in the art that various modifications or improvements can be made to the above embodiments. In addition, it is clear from the description of the scope of the claims that forms with such modifications or improvements can also be included in the technical scope of the present invention.

1 information processing device 2 terminal device 3 store terminal 4 bank server 5 investee server 30 management unit 31 distribution unit 32 operation unit 33 payment processing unit 41 user information table 42 asset information table

Claims (10)

a management unit that stores and manages asset information including electronic money that can be used for payment at a specific store and benefits associated with the electronic money in a storage unit for each user;
The storage unit managed by the management unit is referred to, and the electronic money charged by the user is managed in an interest-bearing account, and the privilege is converted into an investment product specified by the user. Department and
a payment processing unit that performs payment processing using the electronic money obtained by automatically selling the investment product at the time of payment at the specific store with the electronic money using the terminal device of the user. An information processing device characterized by: The management department
The information processing apparatus according to claim 1, wherein points given based on the user's purchasing behavior at the specific store are managed as the privilege. The management department
3. The information processing apparatus according to claim 1, wherein the difference added to the prepaid voucher is managed as the privilege. The operation department
4. The information processing apparatus according to claim 1, wherein the privilege is exchanged for the investment product whose principal is not guaranteed. The payment processing unit
5. The information processing apparatus according to any one of claims 1 to 4, wherein settlement processing is performed using the investment product at the time of payment at the specific store. The operation department
6. The information processing apparatus according to any one of claims 1 to 5, wherein a usage period provided for said privilege is extended for a period during which said privilege is managed as said investment product. The operation department
The information processing apparatus according to any one of claims 1 to 6, wherein the asset based on the investment period of the investment product is notified to the user. 8. The information processing apparatus according to any one of claims 1 to 7, further comprising: a sorting unit that sorts investment destinations according to types of assets held by the user. A computer-executed information processing method comprising:
a management step of storing and managing asset information including electronic money that can be used for payment at a specific store and benefits associated with the electronic money in a storage unit for each user;
An operation of referring to the storage unit managed by the management process, managing the electronic money charged by the user in an interest-bearing account, and converting the privilege into an investment product designated by the user. process and
and a payment processing step of performing payment processing using electronic money obtained by automatically selling the investment product at the time of payment at the specific store with the electronic money using the user's terminal device. Information processing method characterized by: a management procedure for storing and managing asset information including electronic money that can be used for payment at a specific store and benefits associated with the electronic money in a storage unit for each user;
An operation of referring to the storage unit managed by the management procedure, managing the electronic money charged by the user in an interest-bearing account, and converting the privilege into an investment product designated by the user. a procedure;
and a payment processing procedure for performing payment processing using the electronic money obtained by automatically selling the investment product at the time of payment at the specific store with the electronic money using the user's terminal device. An information processing program characterized by

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