JP7093375B2 - Decision device, decision method, and decision program - Google Patents

Description

Application of Article 30, Paragraph 2 of the Patent Act https: // www. yjfx. jp / gaikaex / news / 016179. html Publication date December 11, 1st year, https: // www. yjfx. jp / gaikaex / news / 016193. html Publication date January 10, 2nd year of Reiwa, https: // www. yjfx. jp / company / gaikaex / paypay / Publication date January 27, 2nd year of Reiwa

The present invention relates to a determination device, a determination method, and a determination program.

Conventionally, a technique for providing a service for selling various products and services via the Internet has been known. As an example of such a technique, for example, points are given to the user according to the content of the action to the community, and at the time of purchase of the transaction target, the purchase price is discounted according to the given points. Techniques that promote the use of services are known.

Japanese Unexamined Patent Publication No. 2011-06006. JP-A-2015-229042

However, with the techniques described above, there may be room to promote the use of services.

For example, in the above-mentioned technique, points are only given to users who have performed a specified action such as an action for a community. As a result, points are given to users who only act on the community and do not actually use the service such as purchasing goods and services, so it may not be possible to say that the use of the service is properly promoted. be.

In addition, a method of giving points based on the usage history of the service within a predetermined predetermined period can be considered. However, when points are awarded based only on the usage history of the service within a single period in this way, the use of the service aiming at a predetermined period rather than the user who continuously uses the service. There is a risk of giving a lot of points to a person. As a result, it may not be possible to promote the use of the service for a period other than the predetermined period.

The present application has been made in view of the above, and an object thereof is to promote the use of the service.

The determination device according to the present application is a usage history of a user in a predetermined service, and is an acquisition unit that acquires a usage history in a predetermined aggregation period and a usage history in a transaction period in which at least a part overlaps with the aggregation period. The privilege provided to the user is characterized by having a privilege based on the usage history of the service in the transaction period and having a determination unit for determining different privilege according to the usage history in the aggregation period. And.

According to one aspect of the embodiment, the use of the service can be promoted.

FIG. 1 is a diagram showing an example of processing executed by the information providing device according to the embodiment. FIG. 2 is a diagram showing an example of the content of the privilege determined by the information providing device according to the embodiment. FIG. 3 is a diagram showing a configuration example of the information providing device according to the embodiment. FIG. 4 is a diagram showing an example of information registered in the usage history database according to the embodiment. FIG. 5 is a diagram showing an example of information registered in the privilege information database according to the embodiment. FIG. 6 is a flowchart showing an example of a flow of processing executed by the information providing device according to the embodiment. FIG. 7 is a diagram showing an example of a hardware configuration.

Hereinafter, a determination device according to the present application, a determination method, and an embodiment for implementing the determination program (hereinafter referred to as “embodiment”) will be described in detail with reference to the drawings. It should be noted that this embodiment does not limit the determination device, determination method, and determination program according to the present application. In addition, each embodiment can be appropriately combined as long as the processing contents do not contradict each other. Further, in each of the following embodiments, the same parts are designated by the same reference numerals, and duplicate explanations are omitted.

[1. Information provider]
First, with reference to FIG. 1, an example of processing executed by the information providing device 10 which is an example of the notification device will be described. FIG. 1 is a diagram showing an example of processing executed by the information providing device according to the embodiment. FIG. 1 describes an example of a determination system 1 that determines benefits according to the transaction history of users U1 and U2.

[1-1. Overview of information providing equipment]
In the example shown in FIG. 1, the determination system 1 has an information providing device 10, terminal devices 101, 102, (hereinafter, may be collectively referred to as “terminal device 100”), and a transaction server 200. The determination system 1 may have not only one but also a plurality of transaction servers 200. Further, the determination system 1 may have an arbitrary number of terminal devices 100. The transaction server 200 may belong to a system different from that of the determination system 1.

The information providing device 10 is an information processing device capable of communicating with various devices via a predetermined network N (for example, see FIG. 3) such as the Internet, and is realized by, for example, a server device, a cloud system, or the like. To. For example, the information providing device 10 can communicate with the terminal device 100 and the transaction server 200 via the network N.

The terminal devices 100 and T are smart devices such as smartphones and tablets, and are mobile terminal devices capable of communicating with any server device via a wireless communication network such as 3G (Generation) or LTE (Long Term Evolution). Is. Further, the terminal device 100 is a screen such as a liquid crystal display and has a screen having a touch panel function, and the user can tap, slide, scroll, and display data such as contents by using a finger or a stylus. Various operations may be accepted. The terminal device 100 may be an information processing device such as a PC (Personal Computer).

In the following description, it is assumed that the terminal device 101 is a terminal device used by the user U1 and the terminal device 102 is a terminal device used by the user U2. Here, the distinction between the terminal devices 101 and 102 may be determined by hardware. For example, the shared terminal logged in by the user U1 is defined as the terminal device 101, and the shared terminal logged in by the user U2 is used. It may be a terminal device 102.

The transaction server 200 provides users U1 and U2 (hereinafter, may be simply collectively referred to as "users") with services related to buying and selling of transactions such as goods and services. For example, the transaction server 200 provides transactions related to various financial products, services related to electronic shopping streets, and services related to auctions. In the following description, the transaction server 200 shall provide services related to foreign exchange transactions such as so-called FX (Foreign Exchange).

[1-2. About an example of trading service]
Here, an example of a service provided by the transaction server 200 will be described prior to an example of the determination process executed by the information providing device 10. In the following description, an example of a service related to foreign exchange transactions will be described as an example of a service provided by the transaction server 200, but the embodiment is not limited to this. As will be clarified in the description described later, the determination process according to the embodiment may target any service other than the services described below.

For example, the transaction server 200 relates to a transaction for exchanging a first country currency distributed or issued in a predetermined first country with a second currency distributed or issued in a predetermined second country, that is, foreign exchange. Provide services. For example, the transaction server 200 provides services related to US dollar-yen transactions for exchanging US dollars and yen, euro-yen transactions for exchanging euros for yen, euro-US dollar transactions for exchanging euros for euros, and the like. More specifically, the trading server 200 provides a service related to foreign exchange margin trading that makes a difference settlement based on the trading result between the first country currency and the second country currency within a predetermined period. The transaction server 200 may provide each user with a currency transaction in an amount corresponding to the margin paid in advance by each user, or may provide a transaction to which so-called leverage is applied.

Here, the transaction server 200 acquires the consideration for the provision of the service by setting a difference (profit margin, spread, etc.) between the sale amount and the purchase amount at the same date and time in a certain currency. For example, the transaction server 200 sets the price for selling one dollar to "89.000 yen" and the price for purchasing one dollar to "89.002 yen" in the US dollar-yen transaction. That is, the transaction server 200 sets a spread of 0.2 sen in the example shown in FIG. By updating such a spread as appropriate, the transaction server 200 secures a profit for the provision of the service. In the service provided by the transaction server 200, the method for acquiring profit is not limited to the one using such a spread. For example, in the service provided by the transaction server 200, a fee, swap revenue, or the like may be used.

The transaction server 200 may provide transactions between any currency other than the US dollar yen and the euro yen. For example, the trading server 200 may offer trading in any currency combination (so-called currency pair) such as US dollars, euros, yen, yuan, Thai baht, Canadian dollars, Australian dollars, rubles and the like.

[1-3. About the outline of QR code payment]
Here, it is assumed that the terminal device 100 has a function of performing QR code payment using a QR code. The outline of QR code payment will be described below.

For example, a payment application (hereinafter, referred to as “payment application”) for providing to a QR code payment user is installed in the terminal device 100. In such a payment application, for example, a QR code (registered trademark) placed in a store is photographed by a terminal device 100, and a remittance destination account indicated by the photographed QR code is specified. Next, when the payment application accepts the input of the payment amount from the user, the remittance indicated by the QR code is sent to the payment server (not shown) that manages the account into which the electronic money of each user or store is deposited. By notifying the above information and the payment amount, it has a function to realize the deposit of electronic money from the user's account to the store's account.

In addition, the payment application displays information such as a barcode indicating the user on the screen. The store terminal installed in the store reads such a barcode and notifies the payment server together with the payment amount, so that the payment application has a function to realize the deposit of electronic money from the user's account to the store's account. Have. In addition, the payment application may have a function of realizing payment of an account between users and payment via a credit card.

[1-4. About the outline of the decision process]
Here, in order to promote the use of the service provided by the transaction server 200 (hereinafter referred to as "money exchange service"), a method of providing various benefits to the user can be considered, for example, within a predetermined period. In, it is conceivable to provide various cashbacks and products to the user according to the amount of currency bought and sold by the user. The trading server 200 is the trading amount of the currency pair to be traded. Since the spread is set in, it is possible to increase the profit amount for the provision of the service by increasing the trading volume of the user.

However, if the privilege based only on the transaction history within a predetermined period is provided in this way, it is considered that the transaction volume within the predetermined period can be increased, but the transaction volume in other periods can be increased. It can not be said. For example, if the user increases the transaction volume only within a predetermined period and does not trade in other periods, it cannot be said that the transaction volume as a whole can be increased.

Therefore, the information providing device 10 executes the following determination process. First, the information providing device 10 acquires a usage history of a user in a predetermined service, a usage history in a predetermined aggregation period, and a usage history in a transaction period in which at least a part thereof overlaps with the aggregation period. Then, the information providing device 10 determines, as a privilege provided to the user, a privilege based on the usage history of the service in the transaction period, which is different according to the usage history in the aggregation period.

For example, the information providing device 10 acquires a usage history in an aggregation period having a predetermined reference date and time as the last day and a usage history in a transaction period having a predetermined reference date and time as the last day. Here, the predetermined reference date and time may be the same as or different from the date and time when the determination process is actually performed. For example, when the information providing device 10 performs the determination process at a certain processing date and time, the date and time several weeks before the processing date and time may be used as the reference date and time.

Here, the information providing device 10 acquires the usage history in the aggregation period of a period longer than the transaction period. For example, in the information providing device 10, the past 4 weeks based on the reference date and time is set as the aggregation period, and the past 1 week based on the reference date and time is set as the transaction period, and the amount of currency bought and sold by the user in each period (hereinafter, Described as "trading currency amount") is specified for each currency pair. For example, the information providing device 10 specifies a currency amount for a new order, a currency amount for a settlement order, or both. For example, in the information providing device 10, when the user U1 has placed a new order for purchasing US $ 10,000 in yen and a settlement order for selling US $ 10,000 in yen in the past week. The trading currency amount of the user U1 during the transaction period may be "10,000 currencies" for new orders, or the total of these may be "20,000 currencies". Further, the information providing device 10 may adopt either a new order or a settlement order currency amount for each currency pair, or may adopt both currency amounts.

Then, the information providing device 10 determines a privilege based on the transaction amount in the transaction period, which is different depending on the transaction amount in the aggregation period, as a privilege to be provided to the user. For example, the information providing device 10 ranks users based on the transaction volume in the aggregation period, and the larger the transaction volume in the transaction period and the higher the user rank, the more benefits the user receives. It is a privilege to be provided to. For example, the information providing device 10 may use the currency amount of a new order, the currency amount of a settlement order, or both of them as the transaction amount in the transaction period, and determine the privilege based on the transaction amount according to other criteria. You may. As described above, if the information providing device 10 determines the content of the privilege by using the transaction volume (for example, the transaction currency amount) of the user in the aggregation period or the transaction period, the content of the new order or the settlement order, The content of the privilege may be determined based on the transaction volume selected according to arbitrary conditions such as whether it is a sale or a purchase.

As a result of such processing, the information providing device 10 continuously conducts transactions by users in order to obtain many benefits at the time of future campaign implementation even during the period when the campaign for providing benefits is not performed. Can give motivation to make. Therefore, the information providing device 10 can promote the continuous use of the transaction service.

Further, the information providing device 10 ranks the users based on the transaction volume in the aggregation period in which at least a part of the transaction period overlaps, and provides the privilege according to the rank and the transaction volume in the transaction period. .. By performing such processing, the user can quickly obtain a rank with a high privilege grant rate from the end of the aggregation period. As a result, the information providing device 10 can encourage the user immediately after opening the FX account or immediately after dormancy to perform many transactions, so that the use of the service can be promoted.

[1-5. About an example of decision processing]
Hereinafter, an example of the determination process executed by the information providing device 10 will be described with reference to FIG. In the following description, an example in which the users U1 and U2 use the currency exchange service will be described, but the embodiment is not limited to this. The information providing device 10 will perform the same determination processing for an arbitrary number of users.

First, each user conducts foreign exchange margin trading at a trading price set as a financial product (step S1). For example, the transaction server 200 trades a currency pair desired by each user according to a trading price TP in which a spread is set between a selling price and a buying price for each currency pair. It should be noted that such a service can be realized by a known technique related to various foreign exchange margin trading via a network such as the Internet.

Subsequently, the transaction server 200 provides the transaction history of each user to the information providing device 10 at a predetermined timing (step S2). For example, the transaction server 200 provides the information providing device 10 with a transaction history including currency pairs bought and sold by each user, date and time of buying and selling, trading price, amount of currency bought and sold, and the like, every hour or every day. do.

In such a case, the information providing device 10 determines the rank of the user according to the transaction amount in the aggregation period of each user at a predetermined timing, and according to the transaction volume in the transaction period overlapping with the aggregation period. , Determine different benefits for each rank (step S2). For example, the information providing device 10 determines the ranks of the users U1 and U2, respectively, from the transaction history in the past four weeks for each of the users U1 and U2. Then, the information providing device 10 determines the privilege contents for the users U1 and U2 according to the ranks of the users U1 and U2 and the transaction history in the past week.

For example, FIG. 2 is a diagram showing an example of the content of the privilege determined by the information providing device according to the embodiment. In the example shown in FIG. 2, an example of a reward according to the transaction history of each user in the transaction period, which is different for each rank according to the transaction history in the aggregation period, is described. Further, in the example shown in FIG. 2, an example of a reward different depending on the type of currency pair traded by the user during the transaction period is described.

For example, the information providing device 10 classifies the user into either "standard", "silver", or "gold" according to the amount of currency traded by the user during the aggregation period. For example, the information providing device 10 classifies the user as "standard" when the amount of currency traded in the aggregation period is "100,000 currencies or more", and the amount of currency traded in the aggregation period is "500,000 currencies or more". If "", the user is classified as "silver", and if the amount of currency traded during the aggregation period is "1 million currencies or more", the user is classified as "gold". For example, the information providing device 10 classifies the user U1 into "standard" and the user U2 into "gold".

Subsequently, the information providing device 10 specifies the amount of currency traded by each user during the transaction period for each currency pair. Then, the information providing device 10 provides each user with a privilege according to the amount of currency, which is different for each combination of the currency pair and the rank. Further, the information providing device 10 provides the user with a privilege having different contents depending on the mode of providing the privilege. For example, when the privilege is cash back in various currencies, the information providing device 10 provides the user with a privilege having different contents depending on whether the cash back is received by cash or by prepaid electronic money. That is, the information providing device 10 determines the privilege of the content according to the classification result of the user, the transaction amount of the currency targeted for transaction in the transaction period, and the type of currency traded (for example, currency pair).

For example, the information providing device 10 has a QR code currency, which is a currency that can be used for QR code payment, as a privilege as an example of prepaid electronic money. Since such a QR code currency is easier to provide to each user than cash, the information providing device 10 uses cash as a privilege for a user who desires the QR code currency as a privilege. Offer more benefits than others.

For example, in the information providing device 10, a user whose rank is "standard" and who desires a privilege in QR code currency is trading a predetermined currency such as "US dollar yen" or "euro dollar". In that case, the QR code currency equivalent to "2 yen" per 10,000 currencies will be a privilege. Further, when the rank of the user who desires the privilege by the QR code currency is "silver", the information providing device 10 has the QR code currency equivalent to "3 yen" per 10,000 currencies as the privilege, and the rank is "gold". If so, the QR code currency equivalent to "4 yen" per 10,000 currencies will be a privilege.

On the other hand, when the information providing device 10 is a user whose rank is "standard" and the user who desires the privilege by the QR code currency is trading a currency other than the predetermined currency, the information providing device 10 is "" per 10,000 currencies. QR code currency equivalent to "3 yen" will be a privilege. Further, when the rank of the user who desires the privilege by the QR code currency is "silver", the information providing device 10 has the QR code currency equivalent to "4 yen" per 10,000 currencies as the privilege, and the rank is "gold". If so, the QR code currency equivalent to "5 yen" per 10,000 currencies will be a privilege.

For example, the information providing device 10 is equivalent to "1 yen" per 10,000 currencies when a user whose rank is "standard" and a user who desires a cash benefit is trading a predetermined currency. Cash is a privilege. Further, the information providing device 10 provides cash equivalent to "2 yen" per 10,000 currencies when the rank of the user who desires the benefit by cash is "silver", and when the rank is "gold". The benefit is cash equivalent to "3 yen" per 10,000 currencies.

On the other hand, the information providing device 10 is a user whose rank is "standard", and when a user who desires a cash benefit is trading a currency other than a predetermined currency, the information providing device 10 is "2 yen" per 10,000 currencies. "Cash is a privilege. Further, the information providing device 10 has a cash benefit of "3 yen" per 10,000 currencies when the rank of the user who desires the cash benefit is "silver", and 1 when the rank is "gold". The benefit is "4 yen" in cash per 10,000 currencies.

A more specific example will be described with reference to FIG. In the following description, it is assumed that the user U1 desires the privilege in QR code currency and the user U2 desires the privilege in cash. For example, the information providing device 10 classifies the user U1 as "standard" when the amount of currency traded by the user U1 during the aggregation period is 100,000 currency or more and less than 500,000 currency. Further, the information providing device 10 classifies the user U2 as "gold" when the amount of currency traded by the user U2 during the aggregation period is 1 million currencies or more.

Then, when the user U1 trades "50,000 currencies" in a predetermined currency and "20,000 currencies" in another currency during the transaction period, the information providing device 10 provides benefits for the predetermined currency. The QR code currency equivalent to "16 yen", which is the sum of "10 yen" and the privilege "6 yen" for other currencies, is determined as the privilege of the user U1. Further, in the information providing device 10, when the user U2 trades a predetermined currency in "50,000 currencies" and another currency in "20,000 currencies" in the same transaction period as the user U1. , The QR code currency equivalent to "30 yen", which is the sum of the privilege "20 yen" for the predetermined currency and the privilege "10 yen" for other currencies, is determined as the privilege of the user U1. That is, the information providing device 10 is targeted to provide more benefits as the transaction volume in the transaction period is larger, and more benefits as the transaction volume in the aggregation period is larger.

Returning to FIG. 1, the explanation will be continued. When the information providing device 10 determines the privilege of each user, the information providing device 10 provides the determined privilege to each user U1 and U2, respectively (step S3). For example, when the user U1 requests the granting of the privilege by the QR code currency, the information providing device 10 instructs the payment server to transfer the QR code currency for the privilege to the account of the user U1. Further, when the user U2 requests the grant of the privilege by cash, the information providing device 10 causes the financial institution server used by various financial institutions to transfer the cash for the privilege to the account of the user U2. Instruct. As a result of such processing, the information providing device 10 can provide a privilege to each user.

In the above-mentioned example, an example in which cash as a privilege is transferred to the accounts of various financial institutions owned by the user has been described, but the embodiment is not limited to this. For example, the information providing device 10 may transfer cash to the user's account in the service provided by the transaction server 200. For example, the information providing device 10 may transfer or transfer cash as a privilege to the deposit account in which the user has deposited the oral deposit amount for FX trading. The cash deposited as a privilege in such a depositary account may be able to be remitted to the bank account of a user existing in various financial institutions without any fee.

[1-6. About QR code currency]
In the above description, the information providing device 10 provides a QR code currency that can be used for QR code payment as a privilege. However, the embodiments are not limited to this. For example, the information providing device 10 can provide various prepaid electronic commerce as a privilege in addition to the QR code currency. Further, the information providing device 10 may set various restrictions on the prepaid electronic commerce as a privilege. For example, the information providing device 10 may be provided with prepaid electronic commerce that has an expiration date (for example, 60 days from the provision date) and becomes invalid after the expiration date, and the stores and services that can be used are limited. Prepaid electronic money may be used as a privilege.

In addition, the payment application has a split billing function for splitting the payment amount at a certain store among multiple users belonging to the group, a remittance function between users, a withdrawal function for withdrawing QR code currency in cash, and electronic. It may have various functions such as a function for paying utility bills using an invoice. In such a case, the information providing device 10 may impose a restriction on whether or not each function can be used in the QR code currency provided as a privilege. For example, the information providing device 10 may grant a QR code currency that cannot be used as a privilege for the split billing function, the remittance function, the withdrawal function, and the utility charge payment function.

[1-7. About benefits]
In the above-mentioned example, the information providing device 10 determines the amount of the privilege to be provided to the user as the privilege to be provided to the user. However, the embodiments are not limited to this. The information providing device 10 may be provided with arbitrary goods, currencies, services, and the like as a privilege as long as it can provide a predetermined benefit to the user.

For example, the information providing device 10 may provide points, coupons, and the like that can be used in various electronic shopping districts as a privilege. Further, the information providing device 10 may provide various products, services, gift certificates and the like as a privilege. When providing such various products, the information providing device 10 may provide different products and services according to the rank of the user, the transaction volume, and the currency pair traded.

Further, the information providing device 10 may provide a privilege designated in advance by the user at a predetermined reference date and time among prepaid electronic money or cash. For example, the information providing device 10 may set a predetermined time on a predetermined day of the week as a reference date and time, and may provide a privilege of the type set by the user on the reference date and time. Further, the information providing device 10 may inquire of the user which type of privilege is desired at each reference date and time. For example, the information providing device 10 individually identifies the prepaid electronic commerce benefit and the cash benefit at a certain date and time, and provides information indicating the specified benefit to each user. You may inquire which benefit you want. In such a case, the information providing device 10 will provide the privilege selected by the user after the fact.

Further, the information providing device 10 may limit the type of privilege when the transaction amount in the aggregation period or the transaction period, that is, the actual result of the service usage history by the user satisfies a predetermined condition. For example, the information providing device 10 may limit the award to cash when the transaction amount in the transaction period exceeds a predetermined threshold value or when the transaction amount of the currency given as the award exceeds the predetermined threshold value. For example, when the amount provided in the QR code currency exceeds a predetermined threshold value, the information providing device 10 may use cash as a privilege even if the user selects the QR code currency as a privilege. .. Further, if the user has not selected the type of privilege, the information providing device 10 may grant a preset privilege among QR code currency or cash.

[1-7. About rank]
In the above example, the information providing device 10 classifies the users into ranks such as "standard", "silver", and "gold". However, the embodiments are not limited to this. For example, the information providing device 10 may specify the order of users according to the transaction volume, and may grant more benefits in order from the one with the highest specified order. Further, the information providing device 10 may classify each user into a plurality of groups having no superiority or inferiority, such as a first group and a second group.

Further, for example, the information providing device 10 may classify users in consideration of the type of currency newly ordered by the user during the aggregation period. For example, the information providing device 10 may classify users based only on the transaction volume of US dollars and yen during the aggregation period.

Further, the information providing device 10 may classify users according to the type of transaction target traded by the user. For example, the information providing device 10 determines the rank of the predetermined currency based on the transaction volume of the predetermined currency in the aggregation period, and determines the rank of the other currency based on the transaction volume of the other currency. To give a more specific example, the information providing device 10 specifies the rank "standard" of a predetermined currency and the rank "gold" of another currency as the rank of the user U1. Then, the information providing device 10 includes a privilege based on the transaction volume of the predetermined currency in the transaction period and the rank "standard" of the predetermined currency, the transaction volume of another currency in the transaction period, and the rank "gold" of the other currency. The benefits based on the above may be calculated individually, and the total of the calculated benefits may be used as the benefits for the user. Even if the information providing device 10 determines such a rank for each currency pair (that is, the type of transaction target), and determines the privilege from the rank for each currency pair and the transaction volume for each currency pair. good.

[1-8. others〕
The information providing device 10 may classify users according to various arbitrary conditions and the like, or may determine benefits according to the classification result. Further, the information providing device 10 directly determines the privilege from, for example, the transaction history in the aggregation period and the transaction history in the transaction period, without classifying the users according to the transaction history in the aggregation period. May be good. For example, when the transaction volume in the aggregation period is 100,000 currencies or more, the information providing device 10 may set the privilege per 10,000 currencies in the transaction period to be equivalent to "2 yen".

[2. Configuration of information providing device]
Hereinafter, an example of the functional configuration of the above-mentioned information providing device 10 will be described. FIG. 3 is a diagram showing a configuration example of the information providing device according to the embodiment. As shown in FIG. 3, the information providing device 10 includes a communication unit 20, a storage unit 30, and a control unit 40.

The communication unit 20 is realized by, for example, a NIC (Network Interface Card) or the like. Then, the communication unit 20 is connected to the network N by wire or wirelessly, and transmits / receives information to / from various devices.

The storage unit 30 is realized by, for example, a semiconductor memory element such as a RAM (Random Access Memory) or a flash memory (Flash Memory), or a storage device such as a hard disk or an optical disk. Further, the storage unit 30 stores the usage history database 31 and the privilege information database 32.

Information about the usage history of each user's service is registered in the usage history database 31. For example, FIG. 4 is a diagram showing an example of information registered in the usage history database according to the embodiment.

For example, in the example shown in FIG. 4, information such as "user ID (Identifier)", "trading date and time", "trading target", "transaction content", and "transaction amount" is registered in the usage history database 31. There is. The "user ID" is an identifier for identifying a user. The "trading date and time" is information indicating the date and time when the user traded the transaction target, which is indicated by the "user ID". The "trading target" is information indicating a trading target indicated by a user indicated by a "user ID", and more specifically, a currency pair indicated by a user indicated by a "user ID". Information indicating. The "transaction content" is information indicating the transaction content of the user, for example, information indicating whether the currency pair has been bought (purchased) or sold (sold). The "transaction content" may be information indicating whether the user's order is a new order or a settlement order. Further, the "transaction amount" is information indicating the amount of the transaction target bought and sold by the user.

For example, in the example shown in FIG. 4, the user ID "U1", the trading date and time "2020/01/15/10: 25: 17", the trading target "US dollar yen", the transaction content "buy", and the transaction amount "1". "Million currencies" are registered in association with each other. For such information, the user indicated by the user ID "U1" makes a "buy" for "US dollar yen" and "10,000 currencies" at "10:25:17 on January 15, 2020". Indicates that. In addition to the information shown in FIG. 4, the usage history database 31 may register arbitrary information regarding the buying and selling of the transaction target, such as the information of the terminal device to which the user has instructed to buy and sell.

Returning to FIG. 2, the explanation will be continued. Information about the privilege to be provided to each user is registered in the privilege information database 32. For example, FIG. 5 is a diagram showing an example of information registered in the privilege information database according to the embodiment. As shown in FIG. 5, in the privilege information database 32, "user ID", "registered privilege", "aggregation period history", "rank", "transaction period history", "privilege", "start date" And "end date" are registered in association with each other.

Here, the "registered privilege" is information indicating the type of privilege registered in advance by the user, and for example, the user desires the privilege with "cash" or "prepaid electronic money". It is information indicating whether or not it is done. Further, the "aggregation period history" is information indicating the transaction history of the user in the aggregation period, and is, for example, the transaction volume of each currency in the aggregation period. Further, the "rank" is information indicating the rank of the user according to the transaction volume in the associated aggregation period history. Further, the "transaction period history" is information indicating the transaction volume in the transaction period of the user. Further, the "privilege" is information indicating the content of the privilege for the user determined from each information. The "start date" is information indicating the start date of the transaction period used when granting the privilege. The "end date" is information indicating the end date of the transaction period used when granting the privilege.

For example, in the example shown in FIG. 5, user ID "U1", registered privilege "cash", aggregation period history "100,000 currency", rank "standard", transaction period history "10,000 currency", privilege "2 yen" "Equivalent", the start date "2020/02/03", and the end date "2020/02/07" are registered in association with each other. Such information indicates that the user indicated by the user ID "U1" desires "cash" as a privilege. Further, such information indicates that the transaction volume of the user indicated by the user ID "U1" in the aggregation period is "100,000 currency" and the rank is "standard". In addition, in such information, the transaction volume of the user indicated by the user ID "U1" in the transaction period is "10,000 currencies", and the privilege determined from the rank and the transaction volume in the transaction period is "2 yen". Indicates that it is "equivalent". In addition, such information indicates that the transaction period used to calculate this benefit was from "2020/02/03" to "2020/02/07".

As described above, in the example shown in FIG. 5, the content of the privilege given to each user is registered each time during each transaction period. In addition to the information shown in FIG. 5, arbitrary information regarding the buying and selling of the transaction target may be registered in the privilege information database 32. Further, the information shown in FIG. 5 may be registered in the privilege information database 32 for each type of transaction target such as a currency pair.

Returning to FIG. 3, the explanation will be continued. The control unit 40 is a controller, and for example, various programs stored in a storage device inside the information providing device 10 by a processor such as a CPU (Central Processing Unit) or an MPU (Micro Processing Unit) are RAM or the like. Is realized by executing as a work area. Further, the control unit 40 is a controller, and may be realized by, for example, an integrated circuit such as an ASIC (Application Specific Integrated Circuit) or an FPGA (Field Programmable Gate Array).

As shown in FIG. 3, the control unit 40 includes an acquisition unit 41, a reception unit 42, a specific unit 43, a determination unit 44, and a provision unit 45.

The acquisition unit 41 acquires the usage history of the user in the predetermined service, the usage history in the predetermined aggregation period, and the usage history in the transaction period in which at least a part thereof overlaps with the aggregation period. For example, the acquisition unit 41 acquires the usage history of the user in the transaction service of the financial product from the payment server 300 as a predetermined service. More specifically, the acquisition unit 41 acquires the trading history of each user in at least the period including the aggregation period and the transaction period, and registers the acquired information in the usage history database 31.

For example, the acquisition unit 41 acquires a user's usage history in a transaction service of a financial product whose purchase price and sale price are different at the same date and time, such as foreign exchange margin trading. Further, the acquisition unit 41 acquires the transaction volume of the financial product in the aggregation period and the transaction volume of the financial product in the transaction period. For example, the acquisition unit 41 acquires the amount of currency pairs bought and sold by the user, and registers the acquired information in the usage history database 31. The acquisition unit 41 may acquire the type of financial product (for example, the type of currency pair) targeted for transaction during the transaction period and register it in the usage history database 31. Further, the acquisition unit 41 acquires the transaction volume of the currency targeted for transaction during the aggregation period, the transaction volume of the currency targeted for transaction during the transaction period, and the type of currency targeted for transaction during the transaction period, and uses the usage history database. You may register in 31.

The acquisition unit 41 may acquire the usage history in the aggregation period having a predetermined reference date and time as the last day and the usage history in the transaction period having the reference date and time as the last day. Further, the acquisition unit 41 may acquire the usage history in the aggregation period of a period longer than the transaction period.

The reception unit 42 accepts the registration of the desired privilege type from the user. For example, the reception unit 42 inquires to the terminal device 100 at a predetermined timing whether to receive the privilege with prepaid electronic money or cash, and the type of the privilege registered by the user is stored in the privilege information database 32. sign up. The reception unit 42 may accept changes in the benefits desired by the user at any time.

The specifying unit 43 specifies the usage history of each user during the aggregation period and the transaction period. For example, the specifying unit 43 selects a user to be processed and specifies the usage history of the selected user from the usage history database 31. Subsequently, the specifying unit 43 calculates the transaction volume of each currency pair bought and sold by the user during the aggregation period in the specified usage history. In addition, the specific unit 43 calculates the transaction volume of each currency pair bought and sold by the user during the transaction period. The specific unit 43 may calculate the transaction volume for each currency pair to be bought and sold. Then, the specific unit 43 registers the transaction volume in the specified aggregation period and transaction period in the privilege information database 32 as the aggregation period history and the transaction period history.

The determination unit 44 determines, as a privilege provided to the user, a privilege based on the usage history of the service in the transaction period, which is different according to the usage history in the aggregation period. For example, the determination unit 44 determines a privilege based on the transaction volume in the transaction period, which is different depending on the transaction volume in the aggregation period.

For example, the determination unit 44 refers to the privilege information database 32 at a predetermined timing, and determines the rank of each user from the aggregation period history of each user. That is, the determination unit 44 classifies the users based on the transaction volume of the currency targeted for transaction during the aggregation period. Then, the determination unit 44 determines more benefits as the benefits provided to the users, the higher the rank in which the users are classified. That is, the determination unit 44 classifies the users based on the usage history of the service during the aggregation period, and determines the benefits having different contents according to the classification result. For example, the determination unit 44 determines the privilege for the user based on the rank of the user and the transaction period history. For example, the determination unit 44 determines as a privilege to provide a larger privilege to the user as the transaction volume in the transaction period is larger.

Here, the determination unit 44 determines the amount of the privilege to be provided to the user as the privilege to be provided to the user. For example, the determination unit 44 determines the amount of prepaid electronic money or the amount of cash as a privilege to be provided to the user. For example, the determination unit 44 can use prepaid electronic commerce as prepaid electronic commerce by reading a code indicating the remittance destination by the terminal device used by the user or by displaying the code indicating the remittance source by the terminal device. Determine the amount of formula electronic money.

Further, the determination unit 44 makes a privilege of providing the user with a privilege of an amount according to the usage amount of the service during the transaction period, which is different between the prepaid electronic commerce and cash. For example, when the prepaid electronic commerce is a privilege, the determination unit 44 calculates the amount provided to the user at a grant rate higher than that of cash. To give a more specific example, as shown in FIG. 2, the determination unit 44 determines the rank of each user, the transaction volume during the transaction period, and the type of privilege to be provided to the user (cash or QR code currency). Different benefits are given according to. For example, the determination unit 44 targets the prepaid electronic commerce or cash to be provided with the privilege specified in advance by the user at a predetermined reference date and time.

The decision unit 44 may determine different benefits depending on the type of financial product targeted for transaction during the transaction period. For example, the determination unit 44 may provide the user with a privilege according to the transaction volume of a predetermined currency during the transaction period and a privilege according to the transaction volume of another currency.

Further, the determination unit 44 determines the amount of cash as a privilege to be provided to the user when the usage history of the service during the transaction period satisfies a predetermined condition. For example, if the privilege for a user who desires the privilege with prepaid electronic money exceeds a predetermined currency amount (for example, an amount equivalent to 10,000 yen), the determination unit 44 considers cash as a privilege for the user. ..

The provision unit 45 provides benefits to each user. For example, when the provision unit 45 grants the user a privilege with the prepaid electronic money, the providing unit 45 causes the payment server 300 that manages the payment by the prepaid electronic money to give the prepaid electronic money to the user's account. To instruct. Further, when granting a cash privilege to the user, the providing unit 45 instructs the financial institution server to transfer the cash for the privilege to the account of the user U2.

[3. An example of the flow of processing executed by the information providing device]
Subsequently, the flow of processing executed by the information providing device 10 will be described with reference to FIG. FIG. 6 is a flowchart showing an example of a flow of processing executed by the information providing device according to the embodiment.

First, the information providing device 10 acquires the transaction history (step S101). Subsequently, the information providing device 10 determines whether or not it is the predetermined privilege calculation timing (step S102), and if it is not the privilege calculation timing (step S102: No), executes step S101. Further, when the information providing device 10 determines that the predetermined privilege calculation timing is reached (step S102: Yes), the information providing device 10 determines the rank of the user based on the transaction history in the aggregation period (step S103). Then, the information providing device 10 determines the privilege content according to the rank of the user based on the transaction history of the transaction period in which the aggregation period and a part of the aggregation period overlap (step S104).

Subsequently, the information providing device 10 determines whether or not it is the privilege grant timing (step S105), and if it is not the privilege grant timing (step S105: No), executes step S101. On the other hand, when it is the privilege grant timing (step S105: Yes), the information providing device 10 provides the privilege to the user (step S106) and ends the process.

[4. Modification example]
In the above, an example of the processing by the information providing apparatus 10 has been described. However, the embodiments are not limited to this. Hereinafter, variations of the processing executed by the information providing device 10 will be described.

[4-1. About group rates]
In the above example, a rank is determined for each user, and benefits are provided according to the determined rank and the usage history of the service during the transaction period. However, the embodiments are not limited to this.

For example, the information providing device 10 accepts registration of users belonging to the same group such as friends and family in advance. In such a case, the acquisition unit 41 acquires the usage history of a plurality of users associated in advance in the aggregation period and the usage history of each user in the transaction period. Then, the determination unit 44, as a privilege provided to each user, is a privilege based on the usage history of the service in the transaction period of the user, and according to the usage history in the aggregation period of a plurality of users. Different perks may be determined.

For example, the information providing device 10 specifies the transaction amount of the currency traded by each user belonging to the same group within the aggregation period, and sets the total amount of the transaction amount of the specified currency as the transaction amount of the group. Then, the information providing device 10 determines the rank in the group according to the transaction volume of the group. After that, the information providing device 10 may determine the content of the privilege for the group based on the total amount of the transaction volume of the users belonging to the group within the transaction period and the rank of the group. Further, the information providing device 10 specifies the transaction volume of each user belonging to the group within the transaction period, and individually gives the privilege of each user according to the rank of the group and the transaction volume of each user. You may decide.

[4-2. Applicable target]
In the above-mentioned example, the information providing device 10 determines the privilege according to the amount of currency subject to the new order to purchase the currency and the settlement order to sell the currency in the foreign exchange margin trading. However, the embodiments are not limited to the above description. For example, the information providing device 10 may determine a privilege according to the amount of currency targeted for these orders even when a settlement order for purchasing currency is placed after a new order for selling currency. ..

In the above-mentioned example, the privilege of each user is determined based on the usage history of services related to foreign exchange margin trading such as so-called FX. However, the embodiments are not limited to this. For example, the information providing device 10 may determine the privilege of each user based on the usage history of the transaction service of various virtual currencies. Further, the information providing device 10 may determine the privilege of each user from the usage history of the aggregation period in any service and the usage history of the transaction period.

For example, the information providing device 10 acquires the behavior history of the user in the electronic shopping district as the usage history of the service. For example, the information providing device 10 acquires a login, a purchase of a product, a category of the purchased product, and the like. Further, the information providing device 10 is a user depending on whether or not the number of logins, the number of products purchased by the user during the aggregation period, the number of products purchased for each category, the number of types of purchase categories, and the like satisfy predetermined conditions. Set the rank of. Then, the information providing device 10 provides the content of the privilege to the user based on the number of logins during the transaction period, the number of purchased products by the user, the number of purchased products for each category, the number of types of purchased categories, and the rank. You may decide.

For example, the information providing device 10 acquires the behavior history of the user in the auction as the usage history of the service. For example, the information providing device 10 acquires a login, a listing of a product, a bid for a product, a bid price, a successful bid product, a successful bid price, a listing, a bid, or a category of a successful bid product. Further, the information providing device 10 sets the rank of the user according to whether or not the content and the number of times of each action in the aggregation period satisfy a predetermined condition. Then, even if the information providing device 10 determines the content and number of actions of each action during the transaction period (for example, the total number of successful bids, the total number of bids, etc.) and the rank, the content of the privilege for the user is determined. good.

As described above, the information providing device 10 determines the privilege according to the service usage history in the aggregation period, which is different depending on the service usage history in the aggregation period, and the benefit is determined according to the service usage history in the transaction period in which the aggregation period partially overlaps. For example, the privilege may be determined based on the usage history of any service.

Further, the information providing device 10 may apply the above-mentioned determination process to a service for conducting a transaction for which a difference between the purchase price and the sale price is set, in addition to the foreign exchange margin trading. For example, the information providing device 10 may determine the privilege for the user based on the above-mentioned determination process in the service related to the used market of various products such as land and vehicles.

[4-3. Revenue source]
In the above-mentioned example, the information providing device 10 grants various benefits to the user based on the usage history of the service that secures the profit by setting the difference (spread) between the sale amount and the purchase amount. However, the embodiments are not limited to this. The information providing device 10 may determine a privilege for the user based on the usage history of the service whose revenue source is arbitrary processing.

For example, the transaction server 200 provides a currency pair buying and selling service to the user, and further buys and sells the currency pair with a bank, a fund, etc., so that the selling price and the buying price presented to the user can be obtained. A service may be provided in which a profit is obtained by using the difference between the selling price and the buying price of a currency pair presented by a bank, a fund, or the like. Further, the transaction server 200 may provide a service for obtaining swap profits. That is, the transaction server 200 may be a service that obtains not only the spread presented to the user but also the profit generated by the transaction with other businesses such as banks and funds and investors.

[4-3. others〕
Further, among the processes described in the above-described embodiment, all or a part of the processes described as being automatically performed can be manually performed, and conversely, the processes described as being manually performed. It is also possible to automatically perform all or part of the above by a known method. In addition, information including processing procedures, specific names, various data and parameters shown in the above documents and drawings can be arbitrarily changed unless otherwise specified. For example, the various information shown in each figure is not limited to the information shown in the figure.

Further, each component of each of the illustrated devices is a functional concept, and does not necessarily have to be physically configured as shown in the figure. That is, the specific form of distribution / integration of each device is not limited to the one shown in the figure, and all or part of them may be functionally or physically distributed / physically in any unit according to various loads and usage conditions. Can be integrated and configured.

In addition, the above-described embodiments can be appropriately combined as long as the processing contents do not contradict each other.

[4-4. program〕
Further, the information providing device 10 according to the above-described embodiment is realized by, for example, a computer 1000 having a configuration as shown in FIG. 7. FIG. 7 is a diagram showing an example of a hardware configuration. The computer 1000 is connected to the output device 1010 and the input device 1020, and the arithmetic unit 1030, the primary storage device 1040, the secondary storage device 1050, the output IF (Interface) 1060, the input IF 1070, and the network IF 1080 are connected by the bus 1090. Has.

The arithmetic unit 1030 operates based on a program stored in the primary storage device 1040 or the secondary storage device 1050, a program read from the input device 1020, or the like, and executes various processes. The primary storage device 1040 is a memory device that temporarily stores data used by the arithmetic unit 1030 for various operations such as RAM. Further, the secondary storage device 1050 is a storage device in which data used by the calculation device 1030 for various calculations and various databases are registered, such as a ROM (Read Only Memory), an HDD (Hard Disk Drive), and a flash memory. Is realized by.

The output IF 1060 is an interface for transmitting information to be output to an output device 1010 that outputs various information such as a monitor and a printer. For example, USB (Universal Serial Bus), DVI (Digital Visual Interface), and the like. It is realized by a connector of a standard such as HDMI (registered trademark) (High Definition Multimedia Interface). Further, the input IF 1070 is an interface for receiving information from various input devices 1020 such as a mouse, a keyboard, a scanner, and the like, and is realized by, for example, USB.

The input device 1020 is, for example, an optical recording medium such as a CD (Compact Disc), a DVD (Digital Versatile Disc), a PD (Phase change rewritable Disk), a magneto-optical recording medium such as an MO (Magneto-Optical disk), or a tape. It may be a device that reads information from a medium, a magnetic recording medium, a semiconductor memory, or the like. Further, the input device 1020 may be an external storage medium such as a USB memory.

The network IF 1080 receives data from another device via the network N and sends it to the arithmetic unit 1030, and also transmits the data generated by the arithmetic unit 1030 to the other device via the network N.

The arithmetic unit 1030 controls the output device 1010 and the input device 1020 via the output IF 1060 and the input IF 1070. For example, the arithmetic unit 1030 loads a program from the input device 1020 or the secondary storage device 1050 onto the primary storage device 1040, and executes the loaded program.

For example, when the computer 1000 functions as the information providing device 10, the arithmetic unit 1030 of the computer 1000 realizes the function of the control unit 40 by executing the program loaded on the primary storage device 1040.

[5. effect〕
As described above, the information providing device 10 acquires the usage history of the user in the predetermined service, the usage history in the predetermined aggregation period, and the usage history in the transaction period in which at least a part thereof overlaps with the aggregation period. do. Then, the information providing device 10 determines, as a privilege provided to the user, a privilege based on the usage history of the service in the transaction period, which is different according to the usage history in the aggregation period. As a result of such processing, the information providing device 10 can motivate the user to continuously use the service, and thus can promote the use of the service.

Further, the information providing device 10 acquires the usage history of the user in the transaction service of the financial product as a predetermined service. For example, the information providing device 10 acquires a user's usage history in a financial product transaction service in which the purchase price and the sale price at the same date and time are different as the financial product transaction service. Further, the information providing device 10 acquires the transaction volume of the financial product in the aggregation period and the transaction volume of the financial product in the transaction period, and is a privilege based on the transaction volume in the transaction period, according to the transaction volume in the aggregation period. To determine different benefits. The information providing device 10 may further acquire the type of financial product targeted for transaction during the transaction period, and determine different benefits according to the type of financial product targeted for transaction during the transaction period.

For example, the information providing device 10 further acquires the transaction volume of the currency targeted for transaction during the aggregation period, the transaction volume of the currency targeted for transaction during the transaction period, and the type of currency targeted for transaction during the transaction period. , Users are classified based on the transaction volume of the currency targeted for transaction during the aggregation period, and the content according to the classification result of the user, the transaction volume of the currency targeted for transaction during the transaction period, and the type of currency. Determine the benefits of. As a result of these processes, the information providing device 10 can provide an incentive to continuously use the financial product trading service, and thus can promote the use of the financial product trading service.

Further, the information providing device 10 acquires the usage history in the aggregation period having a predetermined reference date and time as the last day and the usage history in the transaction period having the reference date and time as the last day. Further, the information providing device 10 acquires the usage history in the aggregation period of a period longer than the transaction period. Therefore, the information providing device 10 can encourage the user to use the service not only in the transaction period but also in the aggregation period longer than that.

Further, the information providing device 10 classifies the users based on the service usage history in the aggregation period, and determines the privilege for the users based on the classification result and the service usage history in the transaction period. For example, the information providing device 10 classifies users into one of the ranks based on the transaction target traded in the aggregation period, and the higher the rank in which the users are classified, the more the privilege is provided to the users. Determine more perks. Therefore, the information providing device 10 can provide an incentive to continuously use the service.

Further, the information providing device 10 determines the transaction amount of the currency to be provided to the user as a privilege to be provided to the user. For example, the information providing device 10 determines the amount of prepaid electronic money or the amount of cash as a privilege to be provided to the user. More specifically, the information providing device 10 displays the code indicating the remittance source by the terminal device used by the user reading the code indicating the remittance destination as the prepaid electronic money. Determine the amount of prepaid e-commerce available. Therefore, the information providing device 10 can realize the provision of benefits by cash or prepaid electronic money.

Further, the information providing device 10 is a privilege of providing the user with a currency of an amount corresponding to the usage amount of the service during the transaction period, and a currency of a different amount between the prepaid electronic money and cash. For example, when the prepaid electronic commerce is a privilege, the information providing device 10 calculates the amount provided to the user at a grant rate higher than that of cash. Therefore, the information providing device 10 can provide benefits in a more desirable manner, such as prepaid electronic money. If the service usage history during the transaction period satisfies a predetermined condition, the information providing device 10 may determine the amount of cash as a privilege to be provided to the user.

Further, the information providing device 10 is targeted for providing a privilege designated in advance by the user at a predetermined reference date and time among prepaid electronic money or cash. Therefore, the information providing device 10 can realize the provision of the privilege in the manner desired by the user.

Further, the information providing device 10 acquires the usage history in the aggregation period of a plurality of users associated in advance and the usage history in the transaction period of each user, and as a privilege provided to each user. , It is a privilege based on the usage history of the service in the transaction period of the user, and a different privilege is determined according to the usage history in the aggregation period of a plurality of users. Therefore, the information providing device 10 can promote the use of services by groups such as friends and family.

Although some of the embodiments of the present application have been described in detail with reference to the drawings, these are examples, and various modifications are made based on the knowledge of those skilled in the art, including the embodiments described in the disclosure column of the invention. It is possible to carry out the present invention in other modified forms.

Further, the above-mentioned "section, module, unit" can be read as "means" or "circuit". For example, the imparting unit can be read as a specific means or a specific circuit.

10 Information provision device 20 Communication section 30 Storage section 31 Usage history database 32 Bonus information database 40 Control section 41 Acquisition section 42 Reception section 43 Specific section 44 Decision section 45 Providing section 100 Terminal device 200 Transaction server 300 Payment server

Claims (21)

It is the usage history of the user in the predetermined service, which is shorter than the usage history in the predetermined aggregation period, the whole coincides with the aggregation period, and the end is the same period as the aggregation period. The acquisition department that acquires the usage history during the transaction period,
Based on the usage history acquired by the acquisition unit, the rank determined based on the usage history in the aggregation period and the benefits different for each combination of the usage history in the transaction period are selected for the user. A decision device, characterized in that it has a decision unit that determines the benefits provided. The determination device according to claim 1, wherein the acquisition unit acquires a user's usage history in a transaction service of a financial product as the predetermined service. The usage history of the user in the service of the financial product, the usage history in the predetermined aggregation period, the usage history in the transaction period in which at least a part overlaps with the aggregation period, and the financial product targeted for transaction in the transaction period. The acquisition unit that acquires the type and
The privilege provided to the user is a privilege based on the usage history of the service in the transaction period, depending on the usage history in the aggregation period and the type of financial product targeted for transaction in the transaction period. With the decision-making department that decides different benefits
Have,
The acquisition unit further acquires the transaction volume of the currency targeted for transaction in the aggregation period, the transaction volume of the currency targeted for transaction in the transaction period, and the type of currency targeted for transaction in the transaction period.
The determination unit classifies the user based on the transaction volume of the currency targeted for transaction in the aggregation period, the classification result of the user, the transaction volume of the currency targeted for transaction in the transaction period, and the currency. Determine the benefits of the content according to the type of
A decision device characterized by that. The acquisition unit according to claim 2 or 3, characterized in that, as the transaction service of the financial product, the user's usage history in the transaction service of the financial product whose purchase price and sale price are different at the same date and time is acquired. Determination device. The acquisition unit acquires the transaction volume of the financial product in the aggregation period and the transaction volume of the financial product in the transaction period.
The determination unit is described in any one of claims 2 to 4, wherein the determination unit is a privilege based on the transaction volume in the transaction period and determines a different privilege according to the transaction volume in the aggregation period. Determining device. Any one of claims 1 to 5, wherein the acquisition unit acquires a usage history in an aggregation period having a predetermined reference date and time as the last day and a usage history in a transaction period having the reference date and time as the last day. The determination device according to one. The determination device according to any one of claims 1 to 6, wherein the acquisition unit acquires a usage history in an aggregation period longer than the transaction period. The determination unit is characterized in that the user is classified based on the usage history of the service in the aggregation period, and the privilege for the user is determined based on the classification result and the usage history of the service in the transaction period. The determination device according to any one of claims 1 to 7. The determination unit classifies the user into one of the ranks based on the transaction target traded in the aggregation period, and the higher the rank in which the user is classified, the more privilege is provided to the user. The determination device according to claim 8, wherein the determination device is characterized in that more benefits are determined. The determination device according to any one of claims 1 to 9, wherein the determination unit determines the amount of currency to be provided to the user as a privilege to be provided to the user. The determination device according to claim 10, wherein the determination unit determines the amount of prepaid electronic money or the amount of cash as a privilege to be provided to the user. The determination unit can be used as the prepaid electronic commerce by reading a code indicating the remittance destination by the terminal device used by the user or by displaying the code indicating the remittance source by the terminal device. The determination device according to claim 11, wherein the amount of prepaid electronic money is determined. The decision-making unit shall provide the user with a currency of an amount corresponding to the usage amount of the service during the transaction period, and a currency of a different amount between the prepaid electronic commerce and the cash. 11. The determination device according to claim 11 or 12. 23. Determining device. Of claims 11 to 14, the determination unit determines the amount of cash as a privilege to be provided to the user when the usage history of the service during the transaction period satisfies a predetermined condition. The determination device according to any one. The determination unit is described in any one of claims 11 to 15, wherein the prepaid electronic commerce or cash is to be provided with the privilege specified in advance by the user at a predetermined reference date and time. Determining device. The acquisition unit acquires the usage history of a plurality of users associated in advance in the aggregation period and the usage history of each user in the transaction period.
The determination unit is a privilege provided to each user based on the usage history of the service during the transaction period of the user, and is based on the usage history of the plurality of users during the aggregation period. The determination device according to any one of claims 1 to 16, wherein different benefits are determined. The decision method performed by the decision device,
It is the usage history of the user in the predetermined service, which is shorter than the usage history in the predetermined aggregation period, the whole coincides with the aggregation period, and the end is the same period as the aggregation period. The acquisition process to acquire the usage history during the transaction period,
Based on the usage history acquired by the acquisition process, the rank determined based on the usage history in the aggregation period and the benefits different for each combination of the usage history in the transaction period are selected for the user. A decision method comprising: a decision step to determine the benefits offered in. It is the usage history of the user in the predetermined service, which is shorter than the usage history in the predetermined aggregation period, the whole coincides with the aggregation period, and the end is the same period as the aggregation period. The acquisition procedure to acquire the usage history during the transaction period and
Based on the usage history acquired by the acquisition procedure, the rank determined based on the usage history in the aggregation period and the benefits different for each combination of the usage history in the transaction period are selected for the user. A decision program to get the computer to perform a decision procedure and a decision procedure to determine the benefits offered. The decision method performed by the decision device,
The usage history of the user in the service of the financial product, the usage history in the predetermined aggregation period, the usage history in the transaction period in which at least a part overlaps with the aggregation period, and the financial product targeted for transaction in the transaction period. The acquisition process to acquire the type and
The privilege provided to the user is a privilege based on the usage history of the service in the transaction period, depending on the usage history in the aggregation period and the type of financial product targeted for transaction in the transaction period. With the decision process to determine different benefits
Including
In the acquisition process, the transaction volume of the currency targeted for transaction in the aggregation period, the transaction volume of the currency targeted for transaction in the transaction period, and the type of currency targeted for transaction in the transaction period are further acquired.
In the determination process, the user is classified based on the transaction volume of the currency targeted for transaction in the aggregation period, the classification result of the user, the transaction volume of the currency targeted for transaction in the transaction period, and the currency. Determine the benefits of the content according to the type of
A decision method characterized by that. The usage history of the user in the service of the financial product, the usage history in the predetermined aggregation period, the usage history in the transaction period in which at least a part overlaps with the aggregation period, and the financial product targeted for transaction in the transaction period. The acquisition procedure to acquire the type and
The privilege provided to the user is a privilege based on the usage history of the service in the transaction period, depending on the usage history in the aggregation period and the type of financial product targeted for transaction in the transaction period. A decision program that allows a computer to perform a decision procedure and a decision procedure to determine different benefits .
In the acquisition procedure, the transaction volume of the currency targeted for transaction in the aggregation period, the transaction volume of the currency targeted for transaction in the transaction period, and the type of currency targeted for transaction in the transaction period are further acquired.
In the determination procedure, the user is classified based on the transaction volume of the currency targeted for transaction in the aggregation period, the classification result of the user, the transaction volume of the currency targeted for transaction in the transaction period, and the currency. Determine the benefits of the content according to the type of
A decision program characterized by that .

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