Management device, management method, and program

Abstract

To provide a management device capable of appropriately managing a user's budget, a management method, and a program.SOLUTION: A management device accumulates value by periodically exchanging legal currency for value on the basis of a first condition set by a user, and sets a second condition, which is an exchange condition for a target whose value fluctuates. The management device then detects a target satisfying the second condition and exchanges the value accumulated in a value accumulation unit for the detected target. In this way, the user's budget can be properly managed.SELECTED DRAWING: Figure 11

Description

[Technical Field]

[0001] The present invention relates to a management device, a management method, and a program. [Background technology]

[0002] In recent years, automatic purchasing by computer has become common for a variety of lotteries, such as lotteries, horse racing, and sports promotion lotteries. For example, Patent Document 1 discloses a system that uses a user terminal such as a mobile terminal to automatically purchase tickets according to pre-set purchasing conditions. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Japanese Patent Application Laid-Open No. 2008-250653 Summary of the Invention [Problem to be solved by the invention]

[0004] However, with the automatic purchasing using the above system, even if the pre-set purchase conditions are met, purchase funds are required each time, so it is still not sufficient from the perspective of allowing users to properly manage their budget.

[0005] The present invention is intended to solve the above-mentioned problems, and has an object to provide a management device, a management method, and a program that enable appropriate budget management for a user. [Means for solving the problem]

[0006] A management device according to a first aspect of the present invention comprises: a value accumulation unit that accumulates the value by periodically exchanging legal tender for the value based on a first condition set by a user; a second condition setting unit that sets a second condition, which is a condition different from the first condition and is an exchange condition for an object whose value fluctuates; a detection unit that detects the object that satisfies the second condition; a value exchange unit that exchanges the value accumulated by the value accumulation unit with the target detected by the detection unit; The present invention is characterized by comprising:

[0007] In addition, in the management device according to the above aspect, the value accumulation unit accumulates the value by exchanging the legal tender in an amount set by the user for the value on a schedule set by the user; It is characterized by:

[0008] In addition, in the management device according to the above aspect, The second condition setting unit presents candidates for a plurality of conditions selectable by the user together with performance information including winning probabilities in the case of previous selections, and sets the candidate selected by the user as the second condition. It is characterized by:

[0009] In addition, in the management device according to the above aspect, the second condition setting unit presents a plurality of candidate conditions selectable by the user using a learning model trained based on the second condition previously set by the user, the proportion of cases where the second condition is detected as being satisfied by the detection unit, and the winning probability of the target exchanged by the value exchange unit, and sets the candidate selected by the user as the second condition; It is characterized by:

[0010] In addition, in the management device according to the above aspect, the value exchange unit exchanges the value accumulated by the value accumulation unit for the object detected by the detection unit when the balance of the value accumulated by the value accumulation unit is equal to or greater than a balance preset by the user; It is characterized by:

[0011] In addition, in the management device according to the above aspect, The value exchange unit exchanges the value corresponding to a ratio or amount set by the user out of the balance of the value accumulated by the value accumulation unit with the object detected by the detection unit. It is characterized by:

[0012] A management method according to a second aspect of the present invention comprises: A management method by a management device, a value accumulation step of periodically exchanging legal tender for value based on a first condition set by a user to accumulate the value; a second condition setting step of setting a second condition which is a condition different from the first condition and is an exchange condition for an object whose value fluctuates; a detection step of detecting the object that satisfies the second condition; a value exchange step of exchanging the value accumulated in the value accumulation step with the target detected in the detection step; The present invention is characterized by comprising:

[0013] A program according to a third aspect of the present invention comprises: Computer, a value accumulation unit that accumulates the value by periodically exchanging legal tender for the value based on a first condition set by a user; a second condition setting unit that sets a second condition, which is a condition different from the first condition and is an exchange condition for an object whose value fluctuates; a detection unit that detects the object that satisfies the second condition; a value exchange unit that exchanges the value accumulated by the value accumulation unit with the target detected by the detection unit; The present invention is characterized in that it functions as a

[0014] The program may be recorded on a non-transitory recording medium. The non-transitory recording medium can be distributed or sold independently of the computer. Here, a non-transitory recording medium refers to a tangible recording medium. Examples of non-transitory recording media include compact discs, flexible disks, hard disks, magneto-optical disks, digital video disks, magnetic tapes, and semiconductor memories. A transitory recording medium refers to the transmission medium (propagation signal) itself. Examples of transitory recording media include electrical signals, optical signals, and electromagnetic waves. A temporary storage area is an area for temporarily storing data and programs, such as volatile memory such as RAM (Random Access Memory). [Effects of the Invention]

[0015] According to the present invention, it is possible to provide a management device, a management method, and a program that are capable of appropriately managing a user's budget. [Brief explanation of the drawings]

[0016] [Figure 1] FIG. 2 is a diagram illustrating the relationship between a management device, an information terminal, and a server. [Figure 2] FIG. 2 is a block diagram illustrating an example of a management device. [Figure 3] FIG. 10 is an explanatory diagram showing an example of a savings setting list. [Figure 4] FIG. 10 is an explanatory diagram showing an example of a condition setting list. [Figure 5] FIG. 10 is an explanatory diagram showing an example of a value account balance list. [Figure 6] 10 is a flowchart showing an example of a savings setting process. [Figure 7] FIG. 10 is an explanatory diagram showing a display example of an information terminal. [Figure 8] 10 is a flowchart illustrating an example of a condition setting process. [Figure 9] FIG. 10 is an explanatory diagram showing a display example of an information terminal. [Figure 10] 10 is a flowchart showing an example of a savings process. [Figure 11] 10 is a flowchart illustrating an example of an exchange process and a target providing process. [Figure 12] FIG. 10 is an explanatory diagram showing an example of a match that satisfies a condition. [Figure 13] FIG. 10 is an explanatory diagram showing an example of a value account balance list. DETAILED DESCRIPTION OF THE INVENTION

[0017] (Overall composition) A management device, a management method, and a program according to an embodiment of the present invention will be described in detail with reference to the drawings. Note that identical or corresponding parts in the drawings are designated by the same reference numerals. As shown in FIG. 1, a management device 100 according to an embodiment of the present invention is communicatively connected to an information terminal 200 and a target server 300 via a computer communication network 400, such as the Internet. In this embodiment, the following description uses an example in which a lottery ticket predicting the outcome of a single game, such as a sports promotion lottery ticket "WINNER" or "totoGOAL3," is used as the purchase target. However, the purchase target (also simply referred to as "target") may be a sports promotion lottery ticket other than "WINNER" or "totoGOAL3." Furthermore, the purchase target is not limited to sports promotion lotteries, but may also be, for example, publicly managed sports events such as horse racing, boat racing, or bicycle racing, or financial products such as virtual currency, stocks, bonds, futures, FX, and investment trusts. The purchase price of a single ticket, such as a betting ticket or lottery ticket for a publicly managed sports event, is fixed, and the sale period is limited to a certain period after the end of the event. Furthermore, sales are limited to the organizer, the purchase price and the selling price are different, the selling price is determined (fixed) after the end of the competition, if you win you will sell for a reasonable price, but if you lose you will sell for zero.On the other hand, the purchase price for one unit of financial products such as virtual currencies, stocks, bonds, futures, FX, and investment trusts fluctuates depending on the time of purchase, and once you have purchased and owned it you can sell it almost any time, but the purchase price and the selling price are different, and the selling price also fluctuates.

[0018] In this embodiment, for ease of understanding, an example is shown in which an object is purchased with accumulated value. However, the object can also be purchased with fiat currency. That is, the purchase of an object requires payment of fiat currency or payment of value. The value of value is typically pegged to fiat currency (fixed exchange rate). "Value" can be purchased with fiat currency, and "Value" can also be exchanged for points pegged to fiat currency (e.g., Rakuten Super Points). Furthermore, "objects" can be purchased with fiat currency and exchanged (purchased) for points or value. Furthermore, "objects" can not only be sold to obtain fiat currency, but can also be exchanged (sold) for points or value. Objects can be sold at values ​​that fluctuate over time to obtain fiat currency. For example, winning betting tickets can be paid out to obtain fiat currency (yen). Furthermore, financial products such as virtual currency, stocks, bonds, futures, FX, and investment trusts can be sold to obtain fiat currency (yen). Furthermore, objects can also be exchanged for value at values ​​that fluctuate over time. For example, you can exchange your winning ticket for value to increase your value account balance.

[0019] The management device 100 is an information terminal (so-called computer) such as a smartphone, tablet, or PC (Personal Computer), and is capable of communicating with the information terminal 200 and the target server 300 via a computer communication network 400. Specifically, the management device 100 sets up a reserve of value (electronic value, equivalent to real-world cash or other property, which is an electronic representation of its value) for purchasing a purchase object, and sets up conditions for automatically purchasing the purchase object, in accordance with operations performed by the information terminal 200. Furthermore, when the set conditions are met, the management device 100 accesses the target server 300 and performs a process of exchanging the set value for the purchase object (purchasing a lottery ticket).

[0020] The information terminal 200 is an information terminal (so-called computer) such as a smartphone, tablet, or PC owned by a user, and is capable of communicating with the management device 100 and the target server 300 via a computer communication network 400. Specifically, the user operates the information terminal 200 to set up a value reserve for purchasing a purchase target, and to set conditions for automatically purchasing the purchase target in the management device 100. Furthermore, the user operates the information terminal 200 to purchase a lottery ticket, regardless of whether the conditions are met. In other words, a spot purchase operation is performed.

[0021] The target server 300 is a server that provides the services of the sports promotion lottery "WINNER" and "totoGOAL3." Specifically, when it is determined that the conditions set by the management device 100 are met, the target server 300 performs a process of exchanging the value set by the processing of the management device 100 for a purchase target, or a process of exchanging the value for a purchase target based on a spot purchase operation from the information terminal 200. In other words, the target server 300 has a function of exchanging the value for a target and providing the target to the user.

[0022] (Functional configuration of management device) Next, the configuration of the management device 100 will be described with reference to FIG.

[0023] As shown in FIG. 2, the management device 100 includes a storage unit 110, a control unit 120, an input / output unit 130, a communication unit 140, and a system bus (not shown) that interconnects these units.

[0024] The storage unit 110 includes a ROM (Read Only Memory), a RAM (Random Access Memory), etc. The ROM stores a program 111 executed by a CPU (Central Processing Unit) of the control unit 120, various data (not shown) required in advance for executing the program 111, a savings setting list 112, a condition setting list 113, and a value account balance list 114.

[0025] The program 111 is a program that executes the accumulation setting process, the condition setting process, the accumulation process, and the exchange process, which will be described later, and is stored in the storage unit 110 in advance.

[0026] The savings setting list 112 is a list of the savings dates and savings amounts of value for each user (see FIG. 3). As shown in FIG. 3, the savings setting list 112 includes user information for identifying the user, savings date information for identifying the date on which the savings will be made, debit account information for identifying the bank account from which the value will be exchanged, value account information for identifying the value account in which the amount debited from the debit account will be exchanged into value and stored, and amount information indicating the amount to be debited from the debit account, i.e., the amount to be exchanged into value each month. In the example shown in the figure, it is indicated that user A has set up a savings setting to deposit 50,000 yen from the account "XXXXX" into the value account "AAAA1" on the 10th of each month. In this embodiment, an example is shown in which value corresponding to the amount debited from the debit account is saved monthly through the savings setting process described below. However, the savings setting may be set in smaller increments, such as weekly, rather than monthly. The savings setting list 112 is stored in the storage unit 110 by executing the savings setting process described below.

[0027] The condition setting list 113 is a list showing conditions for automatically purchasing an object (see FIG. 4). As shown in FIG. 4, the condition setting list 113 includes user information, conditions for automatic purchase, and exchange value information showing the amount of value to be exchanged for the object. In the illustrated example, a condition is set for user A that, when a team ranked second or higher in the league plays against a team ranked 19th or lower in the league, the user will exchange all of the value he or she has on hand for lottery tickets (objects) for that match. Furthermore, a condition is set for user B that, when a team with three or more consecutive wins in the most recent matches plays against a team with three or more consecutive losses, the user will exchange half of the value he or she has on hand for lottery tickets (objects) for that match. Furthermore, in addition to the condition set by user B, user C also has a condition that the match must be a home game of a team with three or more consecutive wins. Additionally, as with user K shown in FIG. 5, conditions may be set based on past match results and winning percentages. In addition to the example shown, conditions such as the day of the week and odds may also be set as conditions. Furthermore, it may be possible to incorporate information from tipsters, including AI (Artificial Intelligence) and influencers. For example, conditions may be set such as tipster predictions with a winning rate of 75% or more and odds of 1.5 or more. In addition, multiple conditions may be set for each user. In addition to this, for example, when a team ranked in the top two of the league plays against a team ranked 19th or lower in the league, the number of points in the match may also be set according to a condition, such as "three or more points." The condition setting list 113 is stored in the storage unit 110 by executing a condition setting process described below.

[0028] The value account balance list 114 is a list showing information on the user's value account and the balance of that account (see FIG. 5). As shown in FIG. 5, the value account balance list 114 includes user information, value account information, and balance information, which is information on the balance of the value account. In the example shown in the figure, it is shown that user A has a value balance of 100,000 yen in the value account "AAAA1".

[0029] The control unit 120 is composed of a CPU, an ASIC (Application Specific Integrated Circuit), etc. The control unit 120 operates in accordance with a program 111 stored in the memory unit 110, and executes processing in accordance with the program 111. The control unit 120 includes a savings setting unit 121, a savings execution unit 122, a condition setting unit 123, a condition detection unit 124, and a value exchange unit 125 as main functional units provided by the program 111 stored in the memory unit 110.

[0030] The savings setting unit 121 is a functional unit that sets monthly savings for the value. Specifically, the savings setting unit 121 has a function of setting savings based on the operation contents of the information terminal 200 by the user, and has a function of setting at least the savings date, the debit account, the value account, and the amount. The savings date, the debit account, the value account, and the amount are input by the user through input operations on the information terminal 200 (see FIG. 7). The value account is set in advance, and the savings setting unit 121 may set the savings date, the debit account, and the amount. The contents set by the function of the savings setting unit 121 are stored in the memory unit 110 as a savings setting list 112.

[0031] The savings execution unit 122 is a functional unit that executes the savings of value in accordance with the settings of the savings setting unit 121. Specifically, the savings execution unit 122 is a functional unit that determines whether or not the savings date set by the savings setting unit 121 has arrived, and if it is the savings day, debits the set amount from the withdrawal account, exchanges it for value, and stores value equivalent to the debited amount in the value account. When the savings execution unit 122 accumulates value, the corresponding balance in the value account balance list 114 is updated.

[0032] The condition setting unit 123 is a functional unit that sets the conditions for automatically exchanging an object for value, i.e., the conditions for purchasing the object. Specifically, the condition setting unit 123 has a function for setting conditions based on the operation content of the information terminal 200 by the user. In this embodiment, the condition setting is performed by a selection operation by the user (see FIG. 9). The conditions set by the function of the condition setting unit 123 are stored in the storage unit 110 as a condition setting list 113.

[0033] The condition detection unit 124 is a functional unit that detects whether a match that satisfies the conditions set by the condition setting unit 123 will be held. Specifically, the condition detection unit 124 is a functional unit that detects the sale of lottery tickets corresponding to a match that satisfies the conditions set by the condition setting unit 123, among the lottery tickets sold by the target server 300.

[0034] The value exchange unit 125 is a functional unit that exchanges the value in the value account for a target. Specifically, when the value exchange unit 125 detects, by the function of the condition detection unit 124, the sale of a lottery ticket corresponding to a game that satisfies the conditions set by the condition setting unit 123, the value exchange unit 125 is a functional unit that exchanges the amount of value set by the condition setting unit 123 for the target. In other words, the value exchange unit 125 is a functional unit that purchases a lottery ticket that satisfies the conditions from among the lottery tickets sold by the target server 300.

[0035] The input / output unit 130 is a device that is configured with a keyboard, a mouse, a camera, a microphone, a liquid crystal display, an organic EL (Electro-Luminescence) display, and the like, and is used to input and output various types of data.

[0036] The communication unit 140 is a device that enables the management device 100 to communicate with other information terminals such as the information terminal 200 and the target server 300 via the computer communication network 400. The configuration of the management device 100 has been described above.

[0037] (operation) Next, the operation of the management device 100 and the like will be described with reference to Figs. 6 to 13. Fig. 6 is a flowchart showing an example of the savings setting process in the management device 100. The savings setting process is a process for setting the amount and date of value to be saved each month based on an input operation by the user. In this example, the following description will be given taking as an example a case where user A makes a savings setting. It is also assumed that the value account has been set in advance. The contents set in the savings setting process are the savings conditions, and correspond to the first condition.

[0038] First, the savings setting process shown in FIG. 6 is initiated by a user operating the information terminal 200. Specifically, when the user launches an application and performs an operation on the information terminal 200 to set up a savings account, a request to execute the savings setting process is sent to the management device 100, and the savings setting process is initiated. When the savings setting process is initiated, the management device 100 acquires a user ID and password from the information terminal 200 and performs user authentication (step S11). Specifically, in the process of step S11, the control unit 120 authenticates the user by determining whether the user ID and password acquired from the information terminal 200 match user information previously stored in the storage unit 110 (not shown). If user authentication fails, the information terminal 200 is notified that login was not possible.

[0039] After executing the processing of step S11, i.e., after successful user authentication in the processing of step S11, the control unit 120, using the function of the savings setting unit 121, sets up savings based on the user's operation on the information terminal 200 (step S12), and terminates the savings setting processing. Specifically, in the processing of step S12, the savings setting unit 121 acquires the information on the savings date, savings amount, and debit account entered by the user's input operation as shown in FIG. 7, and adds the acquired information to the savings setting list 112 to set up savings for user A. Note that the acquired information may be added to the savings setting list 112 in association with a pre-set value account. By executing the savings setting processing, savings are set up. As shown in FIG. 7, when a setting is made to exchange 50,000 yen from the debit account "XXXXX" for debit value on the 10th of each month, the contents of the savings setting list 112 corresponding to user A shown in FIG. 3 are stored in the storage unit 110. The information input by the user through the input operation shown in FIG. 7 may be transmitted from the information terminal 200 to the management device 100 by pressing the savings setting button shown in the drawing.

[0040] Next, the condition setting process will be described. The condition setting process is a process for setting conditions for automatic purchase of a target. FIG. 8 is a flowchart showing an example of the condition setting process in the management device 100. In this example, the following description will be given taking as an example a case where user A sets conditions. Furthermore, the condition setting unit 123 that executes the condition setting process and each processing step in the condition setting process correspond to the second condition setting unit and the second condition setting step. The conditions set in the condition setting process correspond to the second conditions.

[0041] First, the condition setting process shown in FIG. 8 is initiated by a user operating the information terminal 200. Specifically, when the user launches an application and performs an operation to set conditions on the information terminal 200, a request to execute the condition setting process is sent to the management device 100, and the condition setting process is initiated. Note that the condition setting process may be executed immediately after the savings setting process is completed. When the condition setting process is initiated, the management device 100 acquires a user ID and password from the information terminal 200 and performs user authentication (step S21). Specifically, in the process of step S11, the control unit 120 authenticates the user by determining whether the user ID and password acquired from the information terminal 200 match user information previously stored in the storage unit 110 (not shown). Note that if user authentication fails, the information terminal 200 is notified that login was not successful. Note that if the condition setting process is executed immediately after the savings setting process, the process of step S21 may be skipped.

[0042] After executing the process of step S21, i.e., after the user authentication is successful in the process of step S21, the control unit 120, using the function of the condition setting unit 123, sets conditions based on the user's operation on the information terminal 200 (step S22), and ends the condition setting process. Specifically, in the process of step S22, the condition setting unit 123 acquires conditions input by the user through an input operation shown in FIG. 9 and adds the acquired conditions to the condition setting list 113, thereby setting conditions for user A. The condition setting process is executed, and when the condition "Top 2 in the league vs. 19th place or lower in the league" indicated by conditions 1 and 2 shown in FIG. 9 is set, the contents of the condition setting list 113 corresponding to user A shown in FIG. 4 are stored in the storage unit 110. The conditions input by the user through an input operation shown in FIG. 9 may be transmitted from the information terminal 200 to the management device 100 by pressing the condition setting button shown in the figure.

[0043] Next, the savings processing will be described. The savings processing is a process for saving value by exchanging the balance of a withdrawal account for value according to the settings made in the savings setting processing shown in FIG. 6. FIG. 10 is a flowchart showing an example of the savings processing in the management device 100. Note that in this example, the following description will be given assuming that user A has made the settings shown in the savings setting list 112 of FIG. 3 through the savings setting processing shown in FIG. 6. The savings setting processing may be started at a regular interval, such as once a day at midnight, after the savings setting list 112 is stored in the storage unit 110 through the savings setting processing shown in FIG. 6. Note that the execution timing can be changed as desired. Furthermore, the savings setting processing may not be repeatedly executed at regular intervals, but may be executed continuously after the savings setting list 112 is stored in the storage unit 110 through the savings setting processing shown in FIG. 6. In this case, if it is determined in the processing of step S31 that it is not a savings day, the processing may return to step S31 again. The accumulation execution unit 122 that executes the accumulation process shown in FIG. 10 and each processing step in the accumulation process correspond to the value accumulation unit and value accumulation step.

[0044] First, the control unit 120, using the function of the savings execution unit 122, determines whether or not it is the savings date set by the savings setting process (step S31). Specifically, in the processing of step S31, the savings execution unit 122 determines whether or not it is the savings date shown in the savings setting list 112 stored in the memory unit 110. For example, if today is the 10th of month X, in the processing of step S31, the savings execution unit 122 determines that it is user A's savings day, and if it is the 15th of month X, it determines that it is user B's and user C's savings day.

[0045] If it is determined in the processing of step S31 that it is not a savings day (step S31; No), the control unit 120 ends the savings processing as it is. On the other hand, if it is determined in the processing of step S31 that it is a savings day (step S31; Yes), the control unit 120 executes savings according to the contents shown in the savings setting list 112 stored in the storage unit 110 using the function of the savings execution unit 122 (step S32). Specifically, in the processing of step S32, the savings execution unit 122 performs savings processing such as deducting the amount shown in the savings setting list 112 stored in the storage unit 110 from the withdrawal account, exchanging it for value, and storing it in the value account. For example, if it is determined in the processing of step S31 that it is user A's savings day, the savings execution unit 122 deducts 50,000 yen from the withdrawal account "XXXXX", exchanges it for value worth 50,000 yen, and stores the value worth 50,000 yen in the value account "AAAA1", based on the contents of the savings setting list 112 shown in FIG. 3, in the processing of step S32. In the process of step S31, the savings dates for multiple users are determined.

[0046] After executing the processing of step S32, the control unit 120 uses the function of the accumulation execution unit 122 to update the contents of the value account balance list 114 stored in the storage unit 110, i.e., the balance of the value account (step S33), and ends the accumulation processing. Specifically, in the processing of step S33, the accumulation execution unit 122 updates the balance of the value account to which accumulation has been made in the processing of step S32, among the value accounts included in the value account balance list 114 stored in the storage unit 110. For example, if accumulation of 50,000 yen has been made to the value account of user A in the processing of step S32, the accumulation execution unit 122 updates the balance of the value account corresponding to user A included in the value account balance list 114 shown in Fig. 5 from 100,000 yen to 150,000 yen in the processing of step S33.

[0047] Next, the exchange process will be described. The exchange process is a process in which the management device 100 exchanges a value for a target based on the satisfaction of the condition set in the condition setting process. In other words, the management device 100 automatically purchases the target. As a result of the exchange process, a target providing process is executed on the target server 300 side. As a result, the management device 100 provides the value to the target server 300, and the target is provided from the target server 300. The target provided from the target server 300 may be provided to the information terminal 200 owned by the user, or may be provided to the target storage area of ​​the user in the management device 100. FIG. 11 is a flowchart showing an example of the exchange process in the management device 100 and the target providing process in the target server 300. Note that in this example, the following description will be given taking the case where the condition set by user A is satisfied as an example. Furthermore, for ease of understanding, this example shows an example in which the condition is satisfied only for user A. However, multiple conditions for multiple users may be satisfied. In such a case, processing corresponding to the multiple satisfied conditions will be performed in the exchange process, etc.

[0048] The exchange process shown in Fig. 11 is continuously executed after the condition setting list 113 is stored in the storage unit 110 by the condition setting process shown in Fig. 8. Alternatively, the execution may be started periodically, such as once a day at midnight, after the condition setting list 113 is stored in the storage unit 110 by the condition setting process shown in Fig. 8. In this case, if it is determined in the process of step S41 that the condition is not met, the exchange process may be terminated.

[0049] When the exchange process shown in FIG. 11 starts, first, the control unit 120, using the function of the condition detection unit 124, determines whether the condition set in the condition setting process is met (step S41). Specifically, in the process of step S41, the condition detection unit 124 accesses the target server 300 and determines whether a lottery ticket corresponding to a game that satisfies the condition set in the condition setting process shown in FIG. 8 has been sold among the lottery tickets sold by the target server 300. For example, if user A sets the condition in the condition setting list 113 shown in FIG. 4, i.e., "top two in the league vs. 19th or lower in the league," in the condition setting process shown in FIG. 8, the process of step S41 shown in FIG. 11 determines whether a lottery ticket for a game between a team ranked in the top two in the league and a team ranked 19th or lower in the league has been sold by the target server 300. For example, as shown in FIG. 12, if a lottery ticket corresponding to a game between team A, which is ranked first in the league, and team C, which is ranked 19th in the league, is sold, the condition detection unit 124 determines in the process of step S41 that the condition has been met.

[0050] 11, if the condition set by the condition setting process shown in FIG. 8 is not met, i.e., if it is determined that a lottery ticket corresponding to the game that satisfies the condition has not been sold (step S41; No), the control unit 120 returns to the process of step S41 and determines again whether the condition is met. On the other hand, if the condition set by the condition setting process shown in FIG. 8 is met, i.e., if it is determined that a lottery ticket corresponding to the game that satisfies the condition has been sold (step S41; Yes), the control unit 120 executes an exchange of a preset amount of value for an object that satisfies the condition using the function of the value exchange unit 125 (step S42). Specifically, in the process of step S42, the value exchange unit 125 requests the exchange by transmitting an object exchange request to the object server 300 that sells the object, from the value account of the user who set the condition that was met in the process of step S41 among the condition setting list 113 stored in the storage unit 110, to exchange an amount equivalent to the exchange value indicated in the condition setting list 113 for the object corresponding to the met condition. For example, as described above, when a lottery ticket corresponding to a match between Team A, which is ranked first in the league, and Team C, which is ranked 19th in the league, as shown in FIG. 12, is sold, it is determined in the processing of step S41 that the condition set by User A, "Top 2 in the league vs. 19th or lower in the league," is met. In this case, in the processing of step S42, the value exchange unit 125 transmits an object exchange request to exchange "the full amount," which is the exchange value shown in the condition setting list 113 shown in FIG. 4, from "AAA1," which is User A's value account (see FIG. 3), for a lottery ticket (object) corresponding to a match between Team A, which is ranked first in the league, and Team C, which is ranked 19th in the league, as shown in FIG. 12, to the object server 300 selling the lottery ticket (object). This results in a request to purchase the lottery ticket (object). Note that even if the condition is met in the processing of step S41, if the accumulation date has not passed and the balance of the value account is 0, the exchange is deemed impossible and the processing may return to step S41 without executing the processing of step S42. In addition, if the exchange process is performed periodically, the exchange process may be terminated.Furthermore, if a minimum purchase value balance is set, such as a value balance of 100,000 yen or more, and the purchase value balance is less than the minimum purchase value balance, the exchange is not permitted and the process of step S42 does not have to be executed.

[0051] On the target server 300 side, when the target exchange request is received from the management device 100, the target providing process is started. When the target exchange process is started in the target server 300, the control unit of the target server 300 exchanges the target for value based on the target exchange request (step S43). Specifically, in the process of step S43, the control unit exchanges the target specified by the received target exchange request for value of the amount also specified by the target exchange request. That is, in the process of step S43, the control unit performs a sales process for the target specified by the target exchange request, for the amount of value specified by the target exchange request. For example, as shown in FIG. 5, if there is value worth 100,000 yen in the balance of the value account of user A, since the setting is set to exchange the entire amount of value for lottery tickets (targets) as shown in FIG. 4, the target exchange request specifies that 100,000 yen worth of value will be exchanged for lottery tickets (targets) corresponding to the match between team A, which is first in the league, and team C, which is 19th in the league. Then, in the process of step S43, the control unit of the target server 300 exchanges the lottery ticket (target) corresponding to the match between Team A, which is ranked first in the league, and Team C, which is ranked 19th in the league, for value of 100,000 yen.

[0052] After executing the process of step S43, the control unit of the target server 300 provides the object exchanged in the process of step S42 (step S44), and ends the object providing process. Specifically, in the process of step S44, the control unit of the target server 300 provides the object exchanged in the process of step S42 to the object storage area of ​​the purchasing user in the management device 100 as object information indicating the purchased value and the contents of the lottery. In the above example, a lottery ticket (object) worth 100,000 yen corresponding to the match between Team A, which is in first place in the league, and Team C, which is in 19th place in the league, is stored in the storage area of ​​User A. Furthermore, by performing the process of step S44, the purchase history is stored in the memory unit of the target server 300. As a result, if a winner is selected for the purchased lottery ticket, the value is automatically paid out. Specifically, value according to the winning amount is paid out to the value account from which the purchase was made.

[0053] After the processing of step S44, the control unit 120 on the side of the management device 100 updates the contents of the value account balance list 114 stored in the storage unit 110, i.e., the balance of the value account, by the function of the value exchange unit 125 (step S45), and ends the exchange processing. Specifically, in the processing of step S45, the value exchange unit 125 updates the balance of the value account for which the exchange was requested in the processing of step S42, among the value accounts included in the value account balance list 114 stored in the storage unit 110. For example, when an exchange of 100,000 yen is made from the value account of user A in the processing of step S42, the value exchange unit 125 updates the balance of the value account corresponding to user A included in the value account balance list 114 to "0 yen" in the processing of step S45, as shown in Fig. 13. Note that after the processing of step S45 is executed and the value is exchanged for the target, the information terminal 200 of the user may be notified that the exchange has been completed, the amount, and the type of lottery. Furthermore, if the exchanged value is equal to or less than a preset amount, the notification may be omitted.

[0054] The above is the operation of the management device 100, etc. In this way, according to the management device 100 of this embodiment, the amount set by the user is saved as value every month, and when the conditions set by the user are met, it is possible to automatically exchange it for an object. Therefore, it is possible to appropriately manage the user's budget.

[0055] (Variation) The present invention is not limited to the above-described embodiment, and various modifications and applications are possible. For example, the management device 100 according to the above-described embodiment does not need to have all of the technical features described above, but may have some of the configurations described in the above-described embodiment so as to solve at least one problem in the prior art. Furthermore, at least a portion of each of the following modifications may be combined.

[0056] In the above embodiment, an example has been shown in which value is automatically exchanged for an object when a set condition is met by performing the exchange process shown in FIG. 11 , i.e., an automatic purchase is performed. However, this is merely an example. Alternatively, manual purchase, i.e., spot purchase, may be performed based on the accumulated value through operation of the information terminal 200 by the user. For example, for user B, the condition is met when a match between a team currently on a three-game winning streak and a team currently on a three-game losing streak is played, such as "three or more consecutive wins vs. three or more consecutive losses" as shown in FIG. 4. When lottery tickets corresponding to a match such as that shown in FIG. 12 are released, user B may be able to use the accumulated value to exchange the lottery ticket for value by operating his or her own information terminal 200.

[0057] Although not described in the above embodiment for ease of understanding, the conditions set by the condition setting process shown in FIG. 8 may include multiple conditions for different targets. For example, in addition to conditions for sports promotion lotteries (WINNER and TotoGOAL3) corresponding to soccer matches, multiple conditions may be set, such as conditions for betting tickets corresponding to horse races and conditions corresponding to virtual currencies. In this case, in the process of step S41 shown in FIG. 11, if multiple conditions are met, the result may be Yes if the number of met conditions is equal to or less than a predetermined number. In this case, it is sufficient to set a ratio of exchange value in advance for each of the multiple met conditions. This allows the value to be distributed and exchanged for each target, thereby enabling more appropriate budget management for the user.

[0058] Furthermore, even for sports promotion lotteries corresponding to the same soccer match, conditions may be set for different types of lotteries, and in this case, in the process of step S41 shown in Fig. 11, if multiple conditions are met, and the number of met conditions is equal to or less than a predetermined number, it may be determined as Yes. The same applies to the exchange value ratio.

[0059] Furthermore, in the above embodiment, an example was shown in which conditions for automatically purchasing an item were set by a user operating the information terminal 200. However, a function for assisting condition setting by AI may be added to this. For example, a learning model may be used to learn multiple conditions previously set by a user, the rate at which each condition is met, and the winning probability corresponding to the item for which the condition is met, and output conditions with a higher winning probability, thereby presenting the user with conditions with a higher chance of winning. This allows the user to set conditions with a higher probability, thereby improving convenience.

[0060] In the above embodiment, as shown in Fig. 9, an example was shown in which the user can select from a plurality of settable conditions, but in addition to this, a performance simulation showing the winning probability and return rate when each of the conditions has been selected in the past may be presented to the user. This can improve the convenience of the user in setting conditions.

[0061] In the above embodiment, as shown in Fig. 4, the percentage of the exchange value, such as full price or half price, is shown, but this is just an example. The value to be exchanged for the purchase item may be specified as an amount, such as 20,000 yen, instead of a percentage.

[0062] In the above embodiment, when the condition is met in the processing of step S41 shown in FIG. 11 , i.e., when it is determined that a lottery ticket corresponding to a game that satisfies the condition has been sold, the processing of step S42 is subsequently executed, and a target exchange request to exchange for the target corresponding to the met condition is transmitted to the target server 300, and a request to execute the exchange is made (i.e., an example is shown in which the exchange is executed when the condition is met). However, this is just an example. The timing of transmitting the target exchange request to the target server 300 (the timing of executing the exchange) may be different from the timing of determining that a lottery ticket corresponding to a game that satisfies the condition has been sold. For example, although the condition is determined to be met in the processing of step S41 after a lottery ticket corresponding to a game that satisfies the condition has been sold, the timing of transmitting the target exchange request to the target server 300 may be one day before the game. Note that the timing of transmitting the target exchange request to the target server 300 can be set at any timing by the user. This allows the timing of executing the exchange to be set at the timing set by the user, thereby improving convenience. In addition, the determination of whether the conditions are met by the processing of step S41 shown in Figure 11 may be performed at a timing set by the user, such as once or twice a week, each time the lottery is held, or every specified day of the week.

[0063] The management device 100 and target server 300 according to the above-described embodiment can be realized using a normal computer, rather than using a dedicated device. For example, the management device 100 that executes the above-described processes may be configured by installing a program for executing any of the above processes on a computer from a recording medium that stores the program on the computer. Also, a single management device 100 and target server 300 may be configured by multiple computers operating in cooperation with each other.

[0064] Furthermore, when the above-mentioned functions are realized by sharing the functions between an OS (Operating System) and an application, or by cooperation between the OS and the application, only the parts other than the OS may be stored on the medium.

[0065] It is also possible to superimpose the program on a carrier wave and distribute it via a communication network. For example, the program may be posted on a bulletin board system (BBS) on the communication network and distributed via the network. These programs may then be started and run under the control of an operating system in the same way as other application programs, thereby enabling the above-mentioned processing to be performed.

[0066] Various aspects of the present disclosure are summarized below as appendices.

[0067] (Appendix 1) a value accumulation unit that accumulates the value by periodically exchanging legal tender for the value based on a first condition set by a user; a second condition setting unit that sets a second condition, which is a condition different from the first condition and is an exchange condition for an object whose value fluctuates; a detection unit that detects the object that satisfies the second condition; a value exchange unit that exchanges the value accumulated by the value accumulation unit with the target detected by the detection unit; A management device comprising:

[0068] (Appendix 2) the value accumulation unit accumulates the value by exchanging the legal tender in an amount set by the user for the value on a schedule set by the user; 2. The management device according to claim 1,

[0069] (Appendix 3) The second condition setting unit presents candidates for a plurality of conditions selectable by the user together with performance information including winning probabilities in the case of previous selections, and sets the candidate selected by the user as the second condition. 3. The management device according to claim 1 or 2.

[0070] (Appendix 4) the second condition setting unit presents a plurality of candidate conditions selectable by the user using a learning model trained based on the second condition previously set by the user, the proportion of cases where the second condition is detected as being satisfied by the detection unit, and the winning probability of the target exchanged by the value exchange unit, and sets the candidate selected by the user as the second condition; 3. The management device according to claim 1 or 2.

[0071] (Appendix 5) the value exchange unit exchanges the value accumulated by the value accumulation unit for the object detected by the detection unit when the balance of the value accumulated by the value accumulation unit is equal to or greater than a balance preset by the user; 5. The management device according to any one of Supplementary notes 1 to 4.

[0072] (Appendix 6) The value exchange unit exchanges the value corresponding to a ratio or amount set by the user out of the balance of the value accumulated by the value accumulation unit with the object detected by the detection unit. 6. The management device according to any one of Supplementary notes 1 to 5.

[0073] (Appendix 7) A management method by a management device, a value accumulation step of periodically exchanging legal tender for value based on a first condition set by a user to accumulate the value; a second condition setting step of setting a second condition which is a condition different from the first condition and is an exchange condition for an object whose value fluctuates; a detection step of detecting the object that satisfies the second condition; a value exchange step of exchanging the value accumulated in the value accumulation step with the target detected in the detection step; A management method comprising:

[0074] (Appendix 8) Computer, a value accumulation unit that accumulates the value by periodically exchanging legal tender for the value based on a first condition set by a user; a second condition setting unit that sets a second condition, which is a condition different from the first condition and is an exchange condition for an object whose value fluctuates; a detection unit that detects the object that satisfies the second condition; a value exchange unit that exchanges the value accumulated by the value accumulation unit with the target detected by the detection unit; A program characterized by functioning as

[0075] The present disclosure allows various embodiments and modifications without departing from the broad spirit and scope of the present disclosure. Furthermore, the above-described embodiments are intended to illustrate the present disclosure and do not limit the scope of the present disclosure. That is, the scope of the present disclosure is defined by the claims, not the embodiments. Various modifications made within the scope of the claims and the meaning of equivalent disclosures are considered to be within the scope of the present disclosure. [Industrial Applicability]

[0076] According to the present invention, it is possible to provide a management device, a management method, and a program that are capable of appropriately managing a user's budget. [Explanation of symbols]

[0077] 100 Management device 110 Storage section 111 Program 112 Savings Settings List 113 Condition setting list 114 Value Account Balance List 120 control section 121 Savings Setting Department 122 Savings Execution Department 123 Savings Execution Department 124 Condition detection unit 125 Value Exchange Department 130 Input / output section 140 Communications Department 200 Information terminal 300 target servers 400 Computer Network

Claims

1. a value accumulation unit that accumulates the value by periodically exchanging legal tender for the value based on a first condition set by a user; a second condition setting unit that sets a second condition, which is a condition different from the first condition and is an exchange condition for an object whose value fluctuates; a detection unit that detects the object that satisfies the second condition; a value exchange unit that exchanges the value accumulated by the value accumulation unit with the target detected by the detection unit; A management device comprising:

2. the value accumulation unit accumulates the value by exchanging the legal tender in an amount set by the user for the value on a schedule set by the user; The management device according to claim 1 .

3. the second condition setting unit presents a plurality of condition candidates selectable by the user together with performance information including winning probabilities in the case of previous selections, and sets the candidate selected by the user as the second condition; 3. The management device according to claim 1 or 2.

4. the second condition setting unit presents a plurality of candidate conditions selectable by the user using a learning model trained based on the second condition previously set by the user, the proportion of cases where the second condition is detected as being satisfied by the detection unit, and the winning probability of the target exchanged by the value exchange unit, and sets the candidate selected by the user as the second condition; 3. The management device according to claim 1 or 2.

5. the value exchange unit exchanges the value accumulated by the value accumulation unit for the object detected by the detection unit when the balance of the value accumulated by the value accumulation unit is equal to or greater than a balance preset by the user; 3. The management device according to claim 1 or 2.

6. The value exchange unit exchanges the value corresponding to a ratio or amount set by the user out of the balance of the value accumulated by the value accumulation unit with the object detected by the detection unit.

3. The management device according to claim 1 or 2.

7. A management method by a management device, a value accumulation step of periodically exchanging legal tender for value based on a first condition set by a user to accumulate the value; a second condition setting step of setting a second condition which is a condition different from the first condition and is an exchange condition for an object whose value fluctuates; a detecting step of detecting the object that satisfies the second condition; a value exchange step of exchanging the value accumulated in the value accumulation step with the target detected in the detection step; A management method comprising:

8. Computer, a value accumulation unit that accumulates the value by periodically exchanging legal tender for the value based on a first condition set by a user; a second condition setting unit that sets a second condition, which is a condition different from the first condition and is an exchange condition for an object whose value fluctuates; a detection unit that detects the object that satisfies the second condition; a value exchange unit that exchanges the value accumulated by the value accumulation unit with the target detected by the detection unit; A program characterized by functioning as

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