WO2018190091A1 - ポイント運用システムおよびポイント運用プログラム - Google Patents
ポイント運用システムおよびポイント運用プログラム Download PDFInfo
- Publication number
- WO2018190091A1 WO2018190091A1 PCT/JP2018/011157 JP2018011157W WO2018190091A1 WO 2018190091 A1 WO2018190091 A1 WO 2018190091A1 JP 2018011157 W JP2018011157 W JP 2018011157W WO 2018190091 A1 WO2018190091 A1 WO 2018190091A1
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- point
- points
- user
- value
- balance
- Prior art date
Links
Images
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/02—Marketing; Price estimation or determination; Fundraising
- G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
- G06Q30/0226—Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems
- G06Q30/0233—Method of redeeming a frequent usage reward
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/02—Marketing; Price estimation or determination; Fundraising
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/06—Asset management; Financial planning or analysis
Definitions
- the present invention relates to a point service technology, and particularly to a technology that is effective when applied to a point operation system and a point operation program that provide a point operation service based on a financial index.
- POINT POINT SERVICE where points are given to customers who are buyers according to the purchase price of products and services is widely used.
- the points earned / accumulated by the customer have a monetary-like property value, such as being able to be exchanged for a product of the company to which the points are given, or being used for payment.
- it is also considered to exchange with financial products such as stocks.
- Patent Document 1 Japanese Patent Laid-Open No. 2002-169963 (Patent Document 1) describes that points accumulated by users are exchanged with financial products such as stocks, claims, investment trusts, and rights to purchase stocks. The point system that can do is described.
- the exchange unit for exchanging points accumulated by customers with products etc. is set in stages, and fractions are calculated for realizable profits (ie exchangeable products etc.). Points can be generated.
- accumulated points can be exchanged for air tickets.
- 10,000 miles ⁇ 12,000 Exchange units are set in stages, such as miles ⁇ 15,000 miles ⁇ . In this case, for example, even if the customer has accumulated 12,000 miles or more, until 15,000 miles are reached, the exchangeable tickets are those corresponding to 12,000 miles, and the remaining points are fractional End up.
- an object of the present invention is to provide a point operation system and a point operation program that support the realization of a target profit by operating points in consideration of the step-by-step exchange unit specific to the point service and the expiration date of points. There is.
- a point operation system is a point operation system that operates points held by a user based on an index related to financial products in a point service in which accumulated points can be exchanged for products or the like. , Based on the target value and / or withdrawal value of the operational point balance set based on the step-by-step exchange unit when points are exchanged for goods, etc. It has a point operation management unit that calculates information related to prediction of whether or not each of the withdrawal values is reached, or selects a financial product that has a high probability of reaching the target value.
- the present invention can also be applied to a program that causes a computer to operate as a point operation system as described above.
- the point management system is an information processing system that can operate and increase points acquired and accumulated by a user like financial products based on financial indicators.
- a target value is set based on a step-by-step exchange unit specific to the point service, and a date until the target is achieved (that is, an operation period) is set.
- an operation period is set.
- the realization of an operation that increases the possibility that the accumulated point number will reach the target value by the due date is supported.
- the point exchange unit is set in stages such as 10,000 miles ⁇ 12,000 miles ⁇ ..., And can be exchanged for air tickets having different prices (values) at each stage.
- FIG. 2 is a diagram showing an outline of a point operation example in the present embodiment.
- the transition of the balance of the user's points (miles) over time is shown by a curve.
- the balance of points is below the first exchange unit of 10,000 miles. That is, there is no airline ticket that can be exchanged during this period, and the realizable profit is zero, as indicated by the bold straight line in the figure.
- a bold line indicates that if the point balance exceeds 10,000 miles at point J, then the realizable profit will gradually increase to the value of an exchangeable ticket at 10,000 miles. .
- point operation starts with the next exchange unit of 12,000 miles as the target value, and the target value reaches 12,000 miles although there is an increase / decrease to the current L point. Indicates a state that is not. In this case, the realizable profit in the meantime is fixed at a value exchangeable at 10,000 miles. That is, the portion held over 10,000 miles becomes a fraction when exchanged for a 10,000-mile air ticket.
- the point operation After the current L point, for example, if the operation is successful and the point balance reaches 12,000 miles at M point, the value of the ticket that can be exchanged for 12,000 miles at that point Rise step by step. Then, the point operation is terminated when the target value is reached, and a desired air ticket is obtained by exchange. Even before the expiration of the operation period, by terminating the operation when the target value is reached, it is possible to avoid the risk of a drop in the point balance due to a subsequent operation failure.
- the point operation is not successful after the current L point, for example, if the point balance at point M has decreased to 10,000 miles, which is the previous exchange unit, the point operation is terminated and 10,000 miles By exchanging it with an air ticket, the same realizable profit as at the start of operation will be confirmed. In this case, the points that have been retained beyond the withdrawal value of 10,000 miles have disappeared, but the portion remains even if it does not reach the next exchange unit of 12,000 miles. It will be a fraction. Moreover, since the same realizable profit as at the start of operation can be obtained at the minimum, there is no substantial loss even if it disappears.
- the target value and withdrawal value in a step-by-step exchange unit are set for the point balance at the start of operation, and the operation is ended by exchanging with the corresponding product etc. when the point balance reaches one To do.
- the operation is ended by exchanging with the corresponding product etc. when the point balance reaches one To do.
- FIG. 1 is a diagram showing an outline of a configuration example of a point operation system according to an embodiment of the present invention.
- the point operation system 10 includes, for example, a server system such as a server device or a virtual server constructed on a cloud computing service, and information used by a user (user) via a network 40 such as the Internet.
- a user terminal 50 that is a processing terminal is connected.
- the point operation system 10 is operated by a company or the like that provides a point service (hereinafter sometimes referred to as “point issuing entity”) via a network 40 or a network (not shown) such as a LAN (Local Area Network).
- You may connect with the point management system 20 which is the information processing system to manage, and the financial product trading system 30 which is the information processing system which the financial institution etc. which buys and sells financial products etc. operate
- the point operation system 10 includes, for example, an OS (Operating System), a DBMS (DataBase Management System), and a Web server program developed on a memory from a recording device such as an HDD (Hard Disk Drive) by a CPU (Central Processing Unit) (not shown).
- OS Operating System
- DBMS DataBase Management System
- Web server program developed on a memory from a recording device such as an HDD (Hard Disk Drive) by a CPU (Central Processing Unit) (not shown).
- middleware such as the above, and software operating on the middleware, various functions described later relating to provision of the point operation service are realized.
- the point operation system 10 includes, for example, each unit such as a user interface unit 11, a point operation management unit 12, and a financial product cooperation unit 13 implemented as software.
- each storage unit includes an operation height database (DB) 14, an operation instruction DB 15, and a financial product operation DB 16 implemented by a database, a file table, and the like.
- the user interface unit 11 is a web browser (not shown) on the user terminal 50 that displays a screen for accepting instructions such as contents and conditions related to point operations from the user, a screen for presenting information such as operation status to the user, and the like. Provides a user interface that can be displayed on a dedicated application screen. Information related to the operation instruction received from the user is recorded in the operation instruction DB 15. Also, information such as operation status is acquired from the operation volume DB 14 and displayed. Further, referring to a user DB (not shown) that holds account information for each user, setting information for each user, and the like, processing such as user authentication and customization for each user may be performed.
- the point operation management unit 12 is based on financial indicators relating to financial products (for example, products with high volatility such as stocks, exchange rates, crude oil, etc.) based on information on the operation contents and conditions of each user set in the operation instruction DB 15. Points (miles in this embodiment).
- the value of the financial index can be acquired from, for example, the financial product trading system 30 via the financial product cooperation unit 13 described later, or acquired from an external site or an information providing service via the network 40.
- information that contributes to the selection of a financial index may be calculated by a known method and presented to the user via the user interface unit 11.
- the user may entrust the operation of points to an investment advisory institution or the like so that the operation instruction is given instead of giving the operation instruction by itself.
- the points serving as resources for operation can be grasped by referring to the contents recorded for each user in the point balance DB 21 of the point management system 20. Not only the points currently held, but also a credit transaction in which a certain property or information having a collateral value is set as collateral, and the user borrows and uses the points that are the source of operation first. For example, if there is a record of more than a certain number of points every year for the past several years, this is set as a collateral on the assumption that the equivalent points will be obtained in the future. You may be able to borrow.
- the point borrower may be, for example, the point management system 10 (operating entity) or the point management system 20 (point issuing entity). Moreover, you may borrow from another user if possible.
- the result of the increase / decrease due to the operation of the points is, for example, cleared together with the exchange of the product etc. at the end of the operation (goal achievement, withdrawal, or expiration of the operation period) and actually reflected in the point balance DB 21 of the point management system 20 You may make it reflect, and you may make it reflect at any time or regularly.
- the points used for the operation and the points obtained by the operation can be used only for the point exchange service in the original point issuing entity (in the present embodiment, it can be exchanged only for the award ticket). You may make it restrict
- the target point is managed separately from the normal point, and control is performed so that the use is limited to the exchange with the award ticket.
- the financial product cooperation unit 13 uses the points provided for operation by each user as a resource and manages the actual financial product. This part is concealed from the point operation by the user, and for example, the point issuer can independently operate the financial product using the reserve for the target point as a source.
- the points used for operation by each user are aggregated and summarized for each financial product (for example, stocks, foreign exchange, crude oil, etc.), In consideration of issue costs, etc., the most appropriate type (for example, cash, futures, options, etc.) of each financial product is selected and allocated automatically or manually. In this way, instead of exchanging the points provided for operation by users for financial products for each user, the points issuing entity exchanges financial products together with the points issuing entity, and it is related to the buying and selling of financial products. Fees can be reduced.
- a financial product different from the operation destination designated by the user. For example, while presenting in-kind indicators for stocks, exchange rates, crude oil, etc. to the user, considering the issuance cost of the points and the expiration date, etc. It can prevent the subject from losing money. Note that when operating points, actual financial products may be automatically bought and sold in cooperation with the financial product buying and selling system 30.
- FIG. 3 is a flowchart showing an example of the flow of point operation processing in the present embodiment.
- the user accesses the user interface unit 11 of the point operation system 10 using the user terminal 50, and inputs a part or all of the information related to the operation instruction via the displayed screen (S01).
- the point operation management unit 12 calculates prediction information such as the probability of whether or not the point balance reaches the target value or the withdrawal value based on the contents of the input operation instruction, and passes through the user interface unit 11. Is displayed on the user terminal 50 (S02). Based on the content of the operation instruction, recommended information related to the operation content may be acquired and presented.
- step S03 the process returns to step S01, changes or corrects the contents of the operation instruction, and recalculates the prediction information or re-recommends the recommended information. Repeat the process of obtaining.
- step S04 the balance of the points is increased or decreased according to the actual fluctuation status of the financial index (crude oil price, etc.) related to the financial product to be operated based on the contents of the operation instruction.
- the increase / decrease result of the point balance may be reflected at the point balance DB 21 of the point management system 20 at the end of the operation, or may be reflected at any time or periodically. You may do it.
- the user can access the user interface unit 11 by using the user terminal 50 at any time during the operation period, and refer to the operation status recorded in the operation amount DB 14.
- the content of the operation instruction may be reviewed based on the operation status, and the content of the operation instruction may be changed at any time by the same processing as in steps S01 to S03.
- a company that issues a point for example, uses the points provided by each user for operation (or a provision for this) as a source of funds through the financial product cooperation unit 13. Can operate financial products.
- the point operation management unit 12 instructs the point management system 20 to exchange points, and in response to this, the point management system 20 subtracts points from the point balance DB 21 and exchanges points.
- Predetermined exchange processing consisting of instructions for shipping the product etc. is performed.
- the user is notified by e-mail or other means that the target value or withdrawal value has been reached, and whether or not points are actually exchanged You may make it make a user make judgment.
- step S09 When the point balance has not reached the target value or the withdrawal value (S07: No), it is determined whether or not the operation period has expired (S09). If the operation period has not expired (S09: No), the process returns to step S04 to continue the operation. If the operation period has expired (S09: Yes), the operation ends. At this time, assuming that the operation has not succeeded because the target value has not been reached, only the points corresponding to the withdrawal value are exchanged by the same process as in step S08, so as to ensure the minimum realizable profit. May be.
- FIG. 4 is a diagram showing an overview of a screen example displayed on the user terminal 50 when performing point operations in the present embodiment.
- the upper diagram shows an example of a screen when an instruction such as an operation condition is input (steps S01 and S02 in FIG. 3), and the lower diagram is when the operation input is instructed after completing the input of the instruction ( The example of a screen of FIG.3 S03: Yes, S04) is shown.
- the “point balance” table in the upper row shows information on the balance of points currently held by the user.
- the user designates the operation type (financial index) and the number of points to be operated in the middle “operation type setting” table.
- the operation deadline operation period
- the target value of the point balance and the withdrawal value are specified in the “operation target setting” table at the bottom.
- the point operation management unit 12 may calculate a related value in the other table and automatically set / update it in conjunction with this.
- the value of the stepwise exchange unit in the point service is the closest to the specified number of points.
- the value of the exchange unit related to the upper and lower stages (12,000 and 10,000 in the example in the figure) is acquired.
- the lower “operation target setting” table the higher level of the obtained exchange units is set as the target value, and the lower level is set as the withdrawal value.
- the user may change the exchange unit of the set target value and withdrawal value to an exchange unit at another stage.
- an operation type (“crude oil” in the example in the figure) is designated in the “operation type setting” table in the middle row, for example, from the expected return r and volatility ⁇ related to the target financial index, by a known method.
- Calculate the probability of reaching the target value or withdrawal value by the deadline that is, the degree of expectation to reach the target value, and the risk of decline to the withdrawal value
- set it as the probability of occurrence in the “Operation Target Setting” table at the bottom be able to.
- another index related to the future prediction may be used as appropriate.
- the deadline 2017/7/31 in the example in the figure
- the target value the withdrawal value
- the probability of reaching these values expected probability, allowable probability
- the user terminal 50 displays a screen like the lower screen example.
- the user can grasp the operation contents, the current point balance, information related to the prediction of the operation result, and the like.
- “crude oil” specified in the example of the operation instruction screen in the upper section
- “2017/7/31 which has an earlier expiration date finally.
- 8,000 miles of "" is preferentially allocated to "crude oil”.
- the shortage of 2,000 miles will be used for 2,000 miles out of 3,000 miles of “2018/4/30” whose expiry date is late, and the remaining 1,000 miles will remain unused. It also shows that In this way, by assigning a point with an early expiration date preferentially to the operation, it is possible to effectively utilize the points that are approaching the expiration date.
- FIG. 5 is a diagram showing an overview of the data configuration of the point balance DB 21 of the point management system 20 and specific examples of data in the present embodiment.
- the point balance DB 21 is a table that holds information related to the actual balance of points for each user in the point management system 20 that is operated and managed by a point issuing entity, for example, “customer ID”, “acquisition date”, “ Each item includes an “expiration date”, “number of points”, and “balance”.
- the item “customer ID” holds ID information for uniquely identifying each customer (user).
- Each item of “acquisition date” and “expiration date” holds information on the date of acquisition of the target point and the date of expiration (expiration date).
- Each point is specified by its “expiration date” (or a combination of “acquisition date” and “expiration date”).
- the item “number of points” holds information on the total number of points for each unit specified by the target “expiration date” or the like.
- the item “balance” holds information on the total number of valid points for each user.
- FIG. 6 is a diagram showing an overview of the data configuration of the operational high DB 14 and specific data examples in the present embodiment.
- the operation amount DB 14 is a table that stores operation status information including the operation amount of points for each user. For example, “customer ID”, “acquisition date”, “expiration date”, “number of points”, “operation type” ”And“ operation start date ”.
- Each item of “customer ID”, “acquisition date”, “expiration date”, and “number of points” is basically the same as the corresponding item in the point balance DB 21 shown in FIG. Description is omitted.
- the point balance DB 21 of FIG. 5 holds information on the total number of points for each unit specified by the “expiration date” (or a combination of “acquisition date” and “expiration date”).
- the operation amount DB 14 is different in that, in addition to the “acquisition date” and “expiration date”, information on the total number of points for each unit specified by the item “operation type” described later is different.
- the “total number of points” here is the current balance reflecting the operation result. Therefore, information on the number of points used as a principal of operation may be separately stored as reference information.
- the “operation type” item holds information such as a name and a code value for identifying a financial index that operates the target point.
- the item “operation start date” holds information on the date on which the operation started for the target point. In the example of FIG. 6, for example, for a user whose “customer ID” is “000001”, points of 8,000 miles whose “expiration date” is “2017/7/31” are changed from “2017/4/1” to “ It shows that 3,000 miles points with “Expiration Date” of “2018/4/30” are operated from “2017/4/10” to “Dollar Yen”.
- FIG. 7 is a diagram showing an overview of the data configuration of the operation instruction DB 15 and specific data examples in the present embodiment.
- the operation instruction DB 15 is a table that stores information related to point operations and instructions for each user, and includes items such as “customer ID”, “target value”, and “withdrawal value”, for example.
- Each item of “target value” and “withdrawal value” holds the target value of the balance when operating points, and the value of the exchange unit that is the withdrawal value.
- 15,000 miles is set as the “target value”
- 10,000 miles is set as the “withdrawal value”.
- FIG. 8 is a diagram showing an overview of the data configuration of the financial product operation DB 16 and specific data examples in the present embodiment.
- the financial product management DB 16 shown in the lower diagram is a table that holds information related to the operation content and operation status when a point issuing entity or the like operates a financial product using the points provided for operation by the user as a source.
- each item includes “operation type”, “financial product type”, and “total balance”.
- the item of “operation type” holds information such as a name and a code value that specify a financial product that is actually operated.
- the item “financial product type” holds information such as a name and a code value for specifying a product type in the target financial product.
- the item “total balance” holds the total value of the balance of operation points for the target financial product (and product type).
- the financial product linkage unit 13 uses the points provided for operation by each user as a source of funds to operate the actual financial product.
- the points provided for operation by each user are aggregated and summarized for each financial product at the operation destination, and the points that have increased in size are considered optimal for each financial product, taking into account the point issuance costs, etc. It is possible to operate by distributing to types.
- the operation amount DB 14 in the upper diagram a plurality of users whose “customer ID” is “000001”, “0000012”, “0000014”, etc. each point to “crude oil” as a financial product. Is operating.
- the balances of the operation points of these users who are operating on “crude oil” are totaled, and actual operation using “crude oil” (or other financial products) is performed using this point as a source.
- the financial product management DB 16 in the lower chart shows that “crude oil” is actually used for each product type of “actual”, “futures 2017/6”, and “option PUT50 2017/6”. Show.
- each table shown in FIGS. 5 to 8 is merely an example, and other table configurations and data configurations can be used as long as similar data can be held and managed. It may be.
- the target value and withdrawal value for point operation are set, and the points are exchanged when the point balance of the operation reaches one of them.
- the withdrawal value is, for example, an exchange unit (10,000 miles in the example of FIG. 2) corresponding to the realizable profit in the point balance at the start of operation.
- the operational status will improve and the point balance will increase, reaching the target value. Will also give up.
- the user can increase the opportunity for point operation by making the time to actually exchange and confirm the point more late It is conceivable to expand and maintain a longer possibility of reaching the target value described above.
- a point held by a user can be said to have a property value
- means for realizing this value as an actual profit is limited to exchange with a product or the like (in the present embodiment, an award ticket).
- the value for the user of the points provided for the exchange with the product etc. is grasped as the amount of money (for example, the display price of the product etc.) required when actually purchasing the exchanged product etc. in the market etc. (Hereafter, this amount may be referred to as “recognized price”).
- the object to be exchanged is a product or the like, these have a “cost”, and there is a certain gap between the price recognized by the user. Therefore, for example, in the point operation as described above, even if the point balance is further lower than the withdrawal value (when the principal is broken), in other words, the property value of the point balance is the withdrawal value. Even if the price is lower than the recognized price of a product that can be exchanged in this embodiment (award tickets in this embodiment), the user can exchange the product with the target product, etc. It may be acceptable.
- FIG. 9 is a diagram showing an outline of an example of the relationship between the property value of points, the recognized price, and the cost in the present embodiment.
- the balance of the user's point balance with the passage of time is converted into the transition of the property value and indicated by a curve. From the beginning to the P point, and from the Q point to the R point, the property value of the points exceeds the recognized price of the exchangeable product etc. in the withdrawal value (that is, the balance of the points exceeds the withdrawal value) It shows a state of exceeding.
- the property value of the point is below the recognized price (that is, the balance of the point is below the withdrawal value), but is greater than the cost. Is shown.
- the operation method as shown in the example of FIG. 2 since the point is exchanged with a commodity or the like at the point P at the recognition price, for example, between the subsequent Q point and the R point, This will abandon the possibility of an increase in property value (point balance) due to the improvement in management.
- the point operation is terminated when the point balance is decreased without the successful operation, and finally the property value of the point is reduced to the cost of exchangeable products at the withdrawal value.
- it shall be exchanged for products that can be exchanged at the withdrawal value.
- the point issuing entity also takes advantage of the user's loss equivalent to the gap between the recognized price and the cost of commodities that can be exchanged at the withdrawal value. A deficit can be avoided.
- standard which terminates operation and is made into the cost of goods etc. which can be exchanged in the withdrawal value of a point balance
- the property value of the points is lower than the recognized price of the target product (for example, point P in the figure). From the point to the point Q or from the point R to the point S), the user may not be aware of that. For example, when the property value of points is presented to the user, the recognized price is presented as an alternative if the point is below the recognized price of the target product or the like.
- the points acquired and accumulated by the user can be operated and increased like financial products based on financial indicators. It is. At that time, set the target value based on the step-by-step exchange unit specific to the point service, set the due date until the goal is achieved, and take into account the expiration date (expiration date) of the point with respect to the due date, until the due date.
- the present invention made by the present inventor has been specifically described based on the embodiments.
- the present invention is not limited to the above-described embodiments, and various modifications can be made without departing from the scope of the invention. Needless to say.
- the above-described embodiment has been described in detail for easy understanding of the present invention, and is not necessarily limited to the one having all the configurations described.
- each of the above-described configurations, functions, processing units, processing means, and the like may be realized by hardware by designing a part or all of them with, for example, an integrated circuit.
- Each of the above-described configurations, functions, and the like may be realized by software by interpreting and executing a program that realizes each function by the processor.
- Information such as programs, tables, and files for realizing each function can be stored in a recording device such as a memory, a hard disk, or an SSD (Solid State Drive), or a recording medium such as an IC card, an SD card, or a DVD.
- control lines and information lines indicate what is considered necessary for explanation, and not all control lines and information lines on mounting are necessarily shown. Actually, it may be considered that almost all the components are connected to each other.
- the present invention can be used for a point operation system and a point operation program that provide a point operation service based on a financial index.
Landscapes
- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- Development Economics (AREA)
- Finance (AREA)
- Strategic Management (AREA)
- Economics (AREA)
- Game Theory and Decision Science (AREA)
- Entrepreneurship & Innovation (AREA)
- Marketing (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Human Resources & Organizations (AREA)
- Operations Research (AREA)
- Technology Law (AREA)
- Management, Administration, Business Operations System, And Electronic Commerce (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
Description
図2は、本実施の形態におけるポイントの運用例について概要を示した図である。図2の例では、時間の経過に伴うユーザのポイント(マイル)の残高の推移を曲線により示している。当初からJ点までの間は、ポイントの残高は最初の交換単位である10,000マイルを下回っている。すなわち、この間は交換できる航空券がなく、実現可能利益はゼロであることを図中の太線の直線により示している。そして、J点においてポイント残高が10,000マイルを超えると、その時点で実現可能利益が10,000マイルで交換可能な航空券の価値に段階的に上昇することを太線の直線により示している。
図1は、本発明の一実施の形態であるポイント運用システムの構成例について概要を示した図である。ポイント運用システム10は、例えば、サーバ機器やクラウドコンピューティングサービス上に構築された仮想サーバ等のサーバシステムからなり、これに対してインターネット等のネットワーク40を介してユーザ(利用者)が使用する情報処理端末であるユーザ端末50が接続される構成を有する。また、ポイント運用システム10は、ネットワーク40や図示しないLAN(Local Area Network)等のネットワークを介して、ポイントサービスを提供する企業等(以下では「ポイント発行主体」と記載する場合がある)が運用管理する情報処理システムであるポイント管理システム20や、金融商品を売買する金融機関等が運用管理する情報処理システムである金融商品売買システム30と接続されていてもよい。
図3は、本実施の形態におけるポイント運用の処理の流れの例を示したフローチャートである。まず、ユーザがユーザ端末50を利用してポイント運用システム10のユーザインタフェース部11にアクセスし、表示される画面を介して運用の指示に係る一部もしくは全部の情報を入力する(S01)。ポイント運用管理部12では、入力された運用指示の内容に基づいて、ポイント残高が目標値や撤退値に到達するか否かに係る確率等の予測情報を算出して、ユーザインタフェース部11を介してユーザ端末50に表示する(S02)。運用指示の内容に基づいて、運用内容に係る推奨情報を取得して提示するようにしてもよい。
図4は、本実施の形態におけるポイント運用を行う際のユーザ端末50に表示される画面例について概要を示した図である。上段の図は、運用条件等の指示を入力するとき(図3のステップS01、S02)の画面例を示しており、下段の図は、指示の入力を完了して運用開始を指示したとき(図3のステップS03:Yes、S04)の画面例を示している。
図5は、本実施の形態におけるポイント管理システム20のポイント残高DB21のデータ構成と具体的なデータの例について概要を示した図である。ポイント残高DB21は、ポイント発行主体等が運用管理するポイント管理システム20において、ユーザ毎にポイントの実際の残高に係る情報を保持するテーブルであり、例えば、「顧客ID」、「取得日」、「失効日」、「ポイント数」、および「残高」等の各項目を有する。
上述の図2等に示したように、本実施の形態では、ポイント運用の際の目標値および撤退値を設定し、運用によるポイント残高がそのいずれかに到達した時点でポイントを交換して運用を終了する。ここで、撤退値については、例えば、運用開始時のポイント残高における実現可能利益に対応する交換単位(図2の例では10,000マイル)とする。これにより、少なくとも運用開始時に確保できていた実現可能利益を下回らないようにすることができるが、一方で、その後に運用状況が好転してポイント残高が増加し、目標値まで到達する可能性についても放棄することになる。
20…ポイント管理システム、21…ポイント残高DB、
30…金融商品売買システム、
40…ネットワーク、
50…ユーザ端末
Claims (7)
- 蓄積したポイントを商品等に交換可能なポイントサービスにおいてユーザが保有するポイントを金融商品に係る指標に基づいて運用するポイント運用システムであって、
ポイントを商品等に交換する際の段階的な交換単位に基づいて設定された、運用におけるポイント残高の目標値および/または撤退値に基づいて、期限までにポイント残高が前記目標値および/または前記撤退値にそれぞれ到達するか否かの予測に係る情報を算出する、もしくは、前記目標値に到達する確率が高い金融商品を選択するポイント運用管理部を有する、ポイント運用システム。 - 請求項1に記載のポイント運用システムにおいて、
前記ポイント運用管理部は、ポイント残高が前記目標値もしくは前記撤退値に到達した場合、ユーザにその旨を通知する、もしくは、ポイントを、到達した前記目標値もしくは前記撤退値に対応する交換単位に係る商品等に交換する、ポイント運用システム。 - 請求項1に記載のポイント運用システムにおいて、
さらに、ユーザが運用に供したポイントを、金融商品の売買を行う情報処理システムを介して金融商品と交換して運用する金融商品連携部を有し、
前記金融商品連携部は、ユーザが運用に供したポイントを、ユーザがポイントの運用の対象として指示した金融商品とは異なる金融商品と交換する、ポイント運用システム。 - 請求項3に記載のポイント運用システムにおいて、
前記金融商品連携部は、複数のユーザが運用に供したポイントを合算し、合算されたポイントを所定の金融商品と交換して運用する金融商品連携部を有する、ポイント運用システム。 - 請求項1に記載のポイント運用システムにおいて、
前記ポイント運用管理部は、ユーザが運用に供するポイントに、当該ユーザが借り入れたポイントを含めることが可能である、ポイント運用システム。 - 請求項2に記載のポイント運用システムにおいて、
前記ポイント運用管理部は、ユーザのポイント残高が前記撤退値に到達した後さらに減少した場合であってもポイントの運用を継続し、ポイント残高に対応する金銭的価値が所定の額に到達した場合に、ユーザにその旨を通知する、もしくは、ポイントを所定の商品等に交換する、ポイント運用システム。 - 蓄積したポイントを商品等に交換可能なポイントサービスにおいてユーザが保有するポイントを金融商品に係る指標に基づいて運用するポイント運用システムとして機能するよう、コンピュータに処理を実行させるポイント運用プログラムであって、
ポイントを商品等に交換する際の段階的な交換単位に基づいて設定された、運用におけるポイント残高の目標値および/または撤退値に基づいて、期限までにポイント残高が前記目標値および/または前記撤退値にそれぞれ到達するか否かの予測に係る情報を算出する、もしくは、前記目標値に到達する確率が高い金融商品を選択するポイント運用管理処理を前記コンピュータに実行させる、ポイント運用プログラム。
Priority Applications (4)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
AU2018252723A AU2018252723A1 (en) | 2017-04-11 | 2018-03-20 | Point management system and point management program |
CA3049861A CA3049861C (en) | 2017-04-11 | 2018-03-20 | Points employment system and points employment program |
CN201880021937.3A CN110494885A (zh) | 2017-04-11 | 2018-03-20 | 积分运用***以及积分运用程序 |
US16/597,111 US20200043037A1 (en) | 2017-04-11 | 2019-10-09 | Point management system and point management program |
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
JP2017-078284 | 2017-04-11 | ||
JP2017078284A JP6817132B2 (ja) | 2017-04-11 | 2017-04-11 | ポイント運用システムおよびポイント運用プログラム |
Related Child Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
US16/597,111 Continuation US20200043037A1 (en) | 2017-04-11 | 2019-10-09 | Point management system and point management program |
Publications (1)
Publication Number | Publication Date |
---|---|
WO2018190091A1 true WO2018190091A1 (ja) | 2018-10-18 |
Family
ID=63792494
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/JP2018/011157 WO2018190091A1 (ja) | 2017-04-11 | 2018-03-20 | ポイント運用システムおよびポイント運用プログラム |
Country Status (6)
Country | Link |
---|---|
US (1) | US20200043037A1 (ja) |
JP (1) | JP6817132B2 (ja) |
CN (1) | CN110494885A (ja) |
AU (1) | AU2018252723A1 (ja) |
CA (1) | CA3049861C (ja) |
WO (1) | WO2018190091A1 (ja) |
Cited By (3)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
JP2020071847A (ja) * | 2018-11-03 | 2020-05-07 | 株式会社Skiyaki | 顧客管理システム |
CN111639965A (zh) * | 2020-05-15 | 2020-09-08 | 浙江口碑网络技术有限公司 | 积分更新方法及装置 |
WO2022137730A1 (ja) * | 2020-12-21 | 2022-06-30 | Line株式会社 | プログラム、情報処理方法、情報処理装置 |
Families Citing this family (8)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
JP6679639B2 (ja) * | 2018-03-16 | 2020-04-15 | 株式会社お金のデザイン | ポイント投資システム、及び投資ポイント管理方法 |
JP7029383B2 (ja) * | 2018-12-14 | 2022-03-03 | Kddi株式会社 | ポイント管理装置、ポイント管理方法およびポイント管理システム |
JP6944018B1 (ja) * | 2020-05-29 | 2021-10-06 | 楽天グループ株式会社 | 提示制御装置、事例提示方法、ならびに、プログラム |
JP7503430B2 (ja) | 2020-06-30 | 2024-06-20 | 株式会社野村総合研究所 | サーバ |
JP2021047916A (ja) * | 2020-12-24 | 2021-03-25 | 株式会社野村総合研究所 | ポイント運用システム、方法およびプログラム |
CN114612130A (zh) * | 2022-02-22 | 2022-06-10 | 杭州稻禾链信息技术有限公司 | 基于时间维度的收缩型积分数据处理方法 |
CN116823346B (zh) * | 2023-07-17 | 2024-04-05 | 广州百奕信息科技有限公司 | 一种基于区块链技术民航数字资产公共综合服务方法 |
CN117611249B (zh) * | 2024-01-16 | 2024-04-16 | 杭州数云信息技术有限公司 | 会员积分信息的处理方法及装置、可读存储介质、终端 |
Citations (5)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
JP2002099801A (ja) * | 2000-09-22 | 2002-04-05 | Sanyo Electric Co Ltd | 購入ポイント管理方法および装置 |
JP2008529116A (ja) * | 2005-01-24 | 2008-07-31 | ドイチェ インヴェストメント トラスト マネイジメント カンパニー リミテッド | 間接投資型金融商品を管理するためのシステム及び方法 |
JP2008305343A (ja) * | 2007-06-11 | 2008-12-18 | Konami Digital Entertainment:Kk | 投資目標処理装置、投資目標処理方法、ならびに、プログラム |
JP2009043007A (ja) * | 2007-08-08 | 2009-02-26 | Csk Systms Corp | ポイント管理装置、投資金額算定装置、運用管理装置、及び、ポイント管理プログラム |
JP2015088088A (ja) * | 2013-11-01 | 2015-05-07 | 株式会社サイモンズ | ポイント投融資運用管理システムおよびポイント投融資運用管理方法 |
Family Cites Families (20)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US4885685A (en) * | 1987-09-18 | 1989-12-05 | L & C Family Partnership | Investment management system with travel usage funds indexed to customer account status |
US20030171992A1 (en) * | 1999-04-23 | 2003-09-11 | First Data Corporation | System and methods for redeeming rewards associated with accounts |
US7908216B1 (en) * | 1999-07-22 | 2011-03-15 | Visa International Service Association | Internet payment, authentication and loading system using virtual smart card |
US7769612B1 (en) * | 1999-08-31 | 2010-08-03 | Priceline.Com, Incorporated | System and method for facilitating the sale of a travel product |
TW530233B (en) * | 2000-03-29 | 2003-05-01 | Risk Monster Kk | System and method for business transaction authorization |
WO2002009015A1 (en) * | 2000-07-25 | 2002-01-31 | Gallagher P Christopher J | Administering incentive award program |
KR20060052647A (ko) * | 2002-08-23 | 2006-05-19 | 가부시키가이샤 올 비젼 | 판촉포인트 교환 거래 방법 및 시스템 |
US20050192895A1 (en) * | 2004-02-10 | 2005-09-01 | First Data Corporation | Methods and systems for processing transactions |
US20070055602A1 (en) * | 2005-09-02 | 2007-03-08 | Mohn Anne M | Methods and systems for financial account management |
US20140179390A1 (en) * | 2005-09-07 | 2014-06-26 | Bally Gaming, Inc. | Affiliated gaming system and method |
WO2009096768A1 (en) * | 2008-01-29 | 2009-08-06 | Clicque Technology Sdn. Bhd. | System and method of implementing a card-less rewards program |
US9972047B1 (en) * | 2008-04-18 | 2018-05-15 | Capital One Services, Llc | Systems and methods for performing a purchase transaction using rewards points |
US20120041880A1 (en) * | 2009-04-10 | 2012-02-16 | Saar Shai | Systems and methods for dealing content |
US20120041810A1 (en) * | 2010-08-13 | 2012-02-16 | Loylogic Licensing Inc. | Universal System and Method for Loyalty Currency Redemption |
US20130103484A1 (en) * | 2011-10-25 | 2013-04-25 | Bridge2 Solutions, Inc. | System and Methods for Fulfilling Loyalty Points Redemption Program Rewards |
US10002353B2 (en) * | 2012-12-21 | 2018-06-19 | Mastercard International Incorporated | Methods and systems for conducting transactions |
US10147140B1 (en) * | 2014-03-17 | 2018-12-04 | The Bank Of New York Mellon | Systems and methods for implementing a platform for investing |
US20150379488A1 (en) * | 2014-06-27 | 2015-12-31 | Clear Path Financial | Automated proactive electronic resource allocation processing system |
US10528968B2 (en) * | 2015-06-23 | 2020-01-07 | Mastercard International Incorporated | Method and system for post authorization payment of transactions using loyalty points |
US11270299B2 (en) * | 2015-12-07 | 2022-03-08 | Visa International Service Association | Methods and systems of using a cryptocurrency system to manage payments and payment alternatives |
-
2017
- 2017-04-11 JP JP2017078284A patent/JP6817132B2/ja active Active
-
2018
- 2018-03-20 WO PCT/JP2018/011157 patent/WO2018190091A1/ja active Application Filing
- 2018-03-20 CA CA3049861A patent/CA3049861C/en active Active
- 2018-03-20 AU AU2018252723A patent/AU2018252723A1/en not_active Abandoned
- 2018-03-20 CN CN201880021937.3A patent/CN110494885A/zh active Pending
-
2019
- 2019-10-09 US US16/597,111 patent/US20200043037A1/en not_active Abandoned
Patent Citations (5)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
JP2002099801A (ja) * | 2000-09-22 | 2002-04-05 | Sanyo Electric Co Ltd | 購入ポイント管理方法および装置 |
JP2008529116A (ja) * | 2005-01-24 | 2008-07-31 | ドイチェ インヴェストメント トラスト マネイジメント カンパニー リミテッド | 間接投資型金融商品を管理するためのシステム及び方法 |
JP2008305343A (ja) * | 2007-06-11 | 2008-12-18 | Konami Digital Entertainment:Kk | 投資目標処理装置、投資目標処理方法、ならびに、プログラム |
JP2009043007A (ja) * | 2007-08-08 | 2009-02-26 | Csk Systms Corp | ポイント管理装置、投資金額算定装置、運用管理装置、及び、ポイント管理プログラム |
JP2015088088A (ja) * | 2013-11-01 | 2015-05-07 | 株式会社サイモンズ | ポイント投融資運用管理システムおよびポイント投融資運用管理方法 |
Cited By (6)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
JP2020071847A (ja) * | 2018-11-03 | 2020-05-07 | 株式会社Skiyaki | 顧客管理システム |
CN111639965A (zh) * | 2020-05-15 | 2020-09-08 | 浙江口碑网络技术有限公司 | 积分更新方法及装置 |
CN111639965B (zh) * | 2020-05-15 | 2023-04-21 | 浙江口碑网络技术有限公司 | 积分更新方法及装置 |
WO2022137730A1 (ja) * | 2020-12-21 | 2022-06-30 | Line株式会社 | プログラム、情報処理方法、情報処理装置 |
JP2022098231A (ja) * | 2020-12-21 | 2022-07-01 | Line株式会社 | プログラム、情報処理方法、情報処理装置 |
JP7146887B2 (ja) | 2020-12-21 | 2022-10-04 | Line株式会社 | プログラム、情報処理方法、情報処理装置 |
Also Published As
Publication number | Publication date |
---|---|
JP2018180853A (ja) | 2018-11-15 |
CA3049861A1 (en) | 2018-10-18 |
CA3049861C (en) | 2023-06-27 |
US20200043037A1 (en) | 2020-02-06 |
JP6817132B2 (ja) | 2021-01-20 |
AU2018252723A1 (en) | 2019-09-26 |
CN110494885A (zh) | 2019-11-22 |
Similar Documents
Publication | Publication Date | Title |
---|---|---|
WO2018190091A1 (ja) | ポイント運用システムおよびポイント運用プログラム | |
US20160283966A1 (en) | Point selling server, point selling method | |
JPWO2004010356A1 (ja) | 決済システム、決済装置、決済プログラム、および決済プログラム記憶媒体 | |
JP2008310770A (ja) | 収納代行システム及びコンピュータプログラム | |
KR20060085565A (ko) | 카드 사용과 연계된 간접투자형 금융상품 운용 시스템 및방법 | |
JP7005688B2 (ja) | 暗号資産管理装置、方法およびプログラム | |
KR20150062161A (ko) | 미확정 장래 크레디트 채권의 매입에 의한 크레디트 카드 가맹점에의 무담보 펀딩 시스템 | |
JP2021170406A (ja) | 不動産関連経済システム及びその管理方法 | |
JP7304761B2 (ja) | 情報処理装置、情報処理方法および情報処理プログラム | |
JP6634174B1 (ja) | 団体発行非現金決済手段管理装置、団体発行非現金決済手段管理装置の制御方法及び団体発行非現金決済手段管理プログラム | |
JP6653057B2 (ja) | 販売収益の2倍積立による現金決済連動システム | |
US20220215419A1 (en) | Method and system for refunding a purchase | |
KR20190086118A (ko) | Sns를 기반으로 판로 개척을 지원하는 전자상거래 시스템 | |
KR100431804B1 (ko) | 수익률 및 손실률을 설정할 수 있는 금융펀드 운용 방법및 장치 | |
WO2018135835A1 (ko) | 예약구매 지원 처리시스템 및그 방법 | |
JP2021047916A (ja) | ポイント運用システム、方法およびプログラム | |
JP6564118B1 (ja) | 情報処理装置、情報処理方法および情報処理プログラム | |
JP6437500B2 (ja) | 電子マネー充当装置 | |
KR101699106B1 (ko) | 대출금 상환 방법, 이를 실행하는 서버 및 이를 실행하는 시스템 | |
KR20190054876A (ko) | 상품 거래 방법 이를 위한 컴퓨터 프로그램 및 기록매체 | |
JP7507929B1 (ja) | 情報処理装置、情報処理方法および情報処理プログラム | |
JP6636205B1 (ja) | 団体発行非現金決済手段管理装置、団体発行非現金決済手段管理装置の制御方法及び団体発行非現金決済手段管理プログラム | |
KR102050302B1 (ko) | 예약구매 조건부 자동 금리변동 시스템 및 그 처리방법 | |
JP3662560B2 (ja) | 受益権交換装置、受益権交換方法、及びプログラム | |
KR20240070186A (ko) | 할인 계약 정보 기반 할인 거래 서비스 제공 시스템 및 그 방법 |
Legal Events
Date | Code | Title | Description |
---|---|---|---|
121 | Ep: the epo has been informed by wipo that ep was designated in this application |
Ref document number: 18784613 Country of ref document: EP Kind code of ref document: A1 |
|
ENP | Entry into the national phase |
Ref document number: 3049861 Country of ref document: CA |
|
ENP | Entry into the national phase |
Ref document number: 2018252723 Country of ref document: AU Date of ref document: 20180320 Kind code of ref document: A |
|
NENP | Non-entry into the national phase |
Ref country code: DE |
|
122 | Ep: pct application non-entry in european phase |
Ref document number: 18784613 Country of ref document: EP Kind code of ref document: A1 |