Programs and Servers

Abstract

To provide a program and a server, which allow for distributing advertisements at appropriate timings.SOLUTION: A program provided herein makes a server perform processes of: accessing advertisement information and distribution conditions for the advertisement information; accessing financial asset information corresponding to a plurality of individual users of an online service; determining whether the financial asset information satisfies the distribution conditions or not; and distributing the advertisement information to individual users corresponding to financial asset information satisfying the distribution conditions.SELECTED DRAWING: Figure 7

Description

[Technical field]

[0001] The present disclosure relates to a program and a server. [Background technology]

[0002] With the spread of mobile terminals such as smartphones and tablet terminals, the number of users using SNS (Social Networking Service) has increased. Therefore, it is very useful for companies to distribute advertisements on SNS. Patent Document 1 discloses an advertisement management device that distributes advertisements according to the preferences of users. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] JP 2016-102968 A Summary of the Invention

[0004] According to a first aspect of the present disclosure, the program causes a server to execute a process of accessing advertising information and delivery conditions for the advertising information, accessing financial asset information associated with multiple individual users of an online service, determining whether the financial asset information satisfies the delivery conditions, and delivering the advertising information to the individual users corresponding to the financial asset information that satisfies the delivery conditions.

[0005] According to a second aspect of the present disclosure, the server has an advertising information acquisition unit that can access an advertising information storage unit that stores advertising information in association with delivery conditions for the advertising information, an asset information acquisition unit that can access an asset information storage unit that stores a plurality of individual users of an online service in association with financial asset information of the individual users, a determination unit that determines whether the financial asset information satisfies the delivery conditions, and a delivery control unit that delivers the advertising information to individual users corresponding to the financial asset information that satisfies the delivery conditions. [Brief description of the drawings]

[0006] [Figure 1] FIG. 1 is a diagram illustrating a configuration example of an advertisement delivery system according to an embodiment of the present disclosure. [Diagram 2] FIG. 1 shows an example of a server HW configuration. [Diagram 3] FIG. 2 is a diagram showing an example of the hardware configuration of a terminal. [Figure 4] FIG. 4 is a diagram showing an example of a data configuration of user information stored in a storage unit of a server. [Diagram 5] FIG. 4 is a diagram showing an example of a data configuration of advertisement-related information stored in a storage unit of a server. [Figure 6] FIG. 4 is a diagram showing an example of the data configuration of account information stored in a storage unit of the server. [Figure 7] FIG. 2 is a diagram illustrating an example of a functional block of a server. [Figure 8] FIG. 11 is a diagram showing an example of a screen displayed on a display of the terminal. [Figure 9] FIG. 11 is a diagram showing an example of a screen displayed on a display of a terminal. [Figure 10] FIG. 11 is a diagram showing an example of a screen displayed on a display of a terminal. [Figure 11] 4 is a sequence showing an example of the operation of the advertisement distribution system. [Figure 12] 10 is a flowchart showing an example of the operation of a server. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0007] <Compliance with legal matters> It should be noted that the disclosures described herein are subject to compliance with the laws of the country of implementation, such as communications secrecy, as necessary for the implementation of the disclosure.

[0008] An embodiment for implementing an advertisement delivery system according to the present disclosure will be described with reference to the drawings.

[0009] <System configuration> Fig. 1 illustrates a configuration example of an advertisement delivery system according to an embodiment of the present disclosure. As illustrated in Fig. 1, in the advertisement delivery system 1, servers 10A and 10B and terminals 20A and 20B are connected via a network 30. Hereinafter, when there is no need to distinguish between the servers 10A and 10B, they will be referred to as server 10. Also, when there is no need to distinguish between the terminals 20A and 20B, they will be referred to as terminals 20.

[0010] The server 10A is a server that provides a network service such as an SNS and distributes advertisements. The server 10A is managed by a network service company. The SNS includes services such as an MS (Messaging Service) and an IMS (Instant Messaging Service).

[0011] Server 10B is a server that manages financial asset information such as electronic money accounts. Server 10B is managed by a company that manages the financial asset information. The company that manages the financial asset information may be, for example, the network service company that manages server 10A, or may be an associated company of the network service company, such as a subsidiary of the network service company that manages server 10A.

[0012] The terminal 20A is used by a company that has registered with the network service provided by the server 10A. In the following, a company that has registered with the network service provided by the server 10A is referred to as an OA user (official account user).

[0013] The OA user can open an official account on the network service provided by the server 10A and provide, for example, new product information of the OA user or advertisements for campaigns, etc. In addition, the company that manages the server 10A may also be an OA user.

[0014] The terminal 20B is used by a user who has registered with the network service provided by the server 10A. In the following, a user who has registered with the network service provided by the server 10A is referred to as an individual user.

[0015] When an individual user registers with the network service provided by the server 10A, the individual user can register with the official account of the OA user. When an individual user registers with the official account of the OA user, the individual user is associated with the OA user. The individual user associated with the OA user can receive the OA user's new product information, campaign advertisements, and the like, on the terminal 20B.

[0016] An individual user who has registered an official account and an OA user of the official account may be said to have a "friend" relationship. Being in a "friend" relationship indicates, for example, that an OA user and an individual user (accounts) are associated (linked) in a network service provided by the server 10A.

[0017] The server 10A provides a service of distributing advertisements created by OA users at suitable timing. A suitable timing for distributing advertisements is, for example, when an individual user has a certain amount of money or more, such as immediately after the individual user's payday. This is because, if an advertisement for a new product of the OA user is distributed to an individual user when the individual user has a certain amount of money or more, there is a high possibility that the individual user will be motivated to purchase the new product.

[0018] Therefore, the server 10A accesses the server 10B that manages financial asset information, and accesses the financial asset information of individual users who are friends with the OA user. The server 10A then determines whether the financial asset information satisfies the distribution conditions set by the OA user, and distributes advertisements to the terminals 20B of the individual users corresponding to the financial asset information that satisfies the distribution conditions.

[0019] When the OA user creates an advertisement and sets the distribution conditions of the created advertisement, the OA user transmits, using the terminal 20, advertisement information of the created advertisement and the set distribution conditions to the server 10A.

[0020] The distribution condition is, for example, "a deposit of 10,000 yen or more but less than 50,000 yen has been made within five days." In this case, the server 10A distributes advertisement information of an advertisement created by the OA user to terminals 20B of individual users who are friends with the OA user and who have made a deposit of 10,000 yen or more but less than 50,000 yen within five days.

[0021] In this way, the server 10A distributes the advertisement of the OA user to individual users who are friends with the OA user and who, for example, have a certain amount of money. This allows the OA user to distribute the advertisement of the OA user at an appropriate timing. For example, the server 10A can distribute the advertisement at a timing when the individual user has a certain amount of money or more and is likely to have an incentive to purchase a new product.

[0022] The number of servers 10 and terminals 20 connected to the network 30 is not limited to the example in Fig. 1. The network 30 plays a role of connecting one or more terminals 20 and one or more servers 10. In other words, the network 30 means a communication network that provides a connection path so that the terminals 20 can transmit and receive data after connecting to the server 10.

[0023] Furthermore, the server 10A preferably receives confirmation information from the individual user's terminal 20B indicating whether or not the individual user agrees to the management and use of personal information including financial asset information, after clearly indicating the management system, restrictions on use, etc. The server 10A preferably applies advertisement distribution according to the present disclosure to the individual user (terminal 20B) who has transmitted the confirmation information indicating agreement.

[0024] One or more portions of network 30 may be a wired network or a wireless network, and network 30 may comprise at least one of, for example and without limitation, an ad hoc network, an intranet, an extranet, a virtual private network (VPN), a local area network (LAN), a wireless LAN (WLAN), a wide area network (WAN), a wireless WAN (WWAN), a metropolitan area network (MAN), a portion of the Internet, a portion of the Public Switched Telephone Network (PSTN), a cellular network, integrated service digital networks (ISDN), wireless LAN, long term evolution (LTE), code division multiple access (CDMA), Bluetooth, satellite communications, and the like.

[0025] The terminal 20 may be any information processing terminal capable of implementing the functions described in this embodiment. The terminal 20 includes, but is not limited to, a smartphone, a mobile phone (feature phone), a computer (such as, but not limited to, a desktop, laptop, tablet, etc.), a media computer platform (such as, but not limited to, a cable or satellite set-top box, digital video recorder, etc.), a handheld computer device (such as, but not limited to, a personal digital assistant (PDA), email client, etc.), a wearable device (such as, but not limited to, a glasses-type device, a watch-type device, etc.), or other types of computers or communication platforms. The terminal 20 may also be expressed as an information processing terminal.

[0026] Since the configurations of the terminals 20A and 20B are basically the same, the following description will focus on the terminal 20.

[0027] User information is information of a user associated with an account used by the user in a specific service. The user information includes, for example and without limitation, at least one piece of information associated with the user, such as the user's name, the user's icon image, the user's age, the user's sex, the user's address, the user's hobbies and interests, and the user's identifier, which is input by the user or given by the specific service.

[0028] The server 10 has a function of providing a predetermined service to the terminal 20. The server 10 may be any device that is an information processing device capable of realizing the functions described in this embodiment. The server 10 includes, but is not limited to, a server device, a computer (for example, but not limited to, a desktop, a laptop, a tablet, etc.), a media computer platform (for example, but not limited to, a cable or satellite set-top box, a digital video recorder), a handheld computer device (for example, but not limited to, a PDA, an email client, etc.), or other types of computers or communication platforms. The server 10 may also be expressed as an information processing device. When it is not necessary to distinguish between the server 10 and the terminal 20, the server 10 and the terminal 20 may each be expressed as an information processing device.

[0029] <Hardware (HW) configuration> The HW configuration of each device included in the advertisement delivery system 1 will be described.

[0030] (1) Hardware configuration of Server 10 2 shows an example of the HW configuration of server 10. Server 10 includes a control unit 11, an input / output unit 12, a display 13, a communication I / F (interface) 14, and a storage unit 15. The components of the HW of server 10 are connected to each other via a bus B, by way of example and not of limitation. It is not essential that the HW of server 10 includes all the components as the configuration of the HW of server 10. By way of example and not of limitation, the HW of server 10 may be configured such that the display 13 is detached.

[0031] The control unit 11 has a circuit physically structured to execute functions realized by codes or instructions contained in a program, and is realized by, for example and without limitation, a data processing device built into hardware. Therefore, the control unit 21 may be expressed as a control circuit.

[0032] The control unit 11 is typically a central processing unit (CPU), and may also be a microprocessor, a processor core, a multiprocessor, an application-specific integrated circuit (ASIC), or a field programmable gate array (FPGA). In the present disclosure, the control unit 11 is not limited to these.

[0033] The input / output unit 12 is realized by a device that inputs various operations to the server 10. The input / output unit 12 is realized by at least one of all types of devices that can receive input from a user and transmit information related to the input to the control unit 11. The input / output unit 12 is typically realized by hardware keys such as a keyboard or a pointing device such as a mouse. Note that the input / output unit 12 may include, for example and without limitation, a touch panel, a camera (operation input via moving images), and a microphone (operation input by voice). However, in the present disclosure, the input / output unit 12 is not limited to these.

[0034] The display 13 is typically realized by a monitor (for example, but not limited to, a liquid crystal display or an organic electroluminescence display (OLED)). The display 13 may be a head mounted display (HDM) or the like. Furthermore, these displays 13 may be capable of displaying display data in three dimensions (3D). However, in the present disclosure, the display 13 is not limited to these.

[0035] The communication I / F 14 transmits and receives various data via the network 30. The communication may be performed either wired or wirelessly, and any communication protocol may be used as long as the communication between the two is possible. The communication I / F 14 has a function of communicating with the terminal 20 via the network 30. The communication I / F 14 transmits various data to the terminal 20 according to instructions from the control unit 11. The communication I / F 14 also receives various data transmitted from the terminal 20 and transmits it to the control unit 11. The communication I / F 14 may also be simply referred to as a communication unit. When the communication I / F 14 is configured from a physically structured circuit, it may also be referred to as a communication circuit.

[0036] The storage unit 15 has a function of storing various programs and various data required for the operation of the server 10. The storage unit 15 includes, by way of example and without limitation, storage devices such as a hard disk drive (HDD), a solid state drive (SSD), a flash memory, a random access memory (RAM), and a read only memory (ROM) and various storage media. The storage unit 15 may be expressed as a memory.

[0037] The storage unit 15 may be configured by a storage device, such as a storage or a storage server, separate from the server 10. The separate storage device may be regarded as a part of the server 10.

[0038] Control unit 11 executes the programs stored in storage unit 15 to execute the processes of each unit included in control unit 11. In other words, the programs stored in storage unit 15 cause server 10 to realize each function executed by control unit 11. These programs may be expressed as program modules.

[0039] In the following, the reference numerals of the components of server 10A may be marked with A. The reference numerals of the components of server 10B may be marked with B. For example, the memory unit 15 of server 10A may be marked with 15A and A, and the memory unit 15 of server 10B may be marked with 15B and B.

[0040] (2) Hardware configuration of terminal 20 3 shows an example of a HW configuration of the terminal 20. The terminal 20 includes a control unit 21, a communication I / F 22, an input / output unit 23, and a storage unit 28. The HW components of the terminal 20 are connected to each other via a bus B, for example and not for limitation. Note that it is not essential that the HW configuration of the terminal 20 includes all of the components.

[0041] The control unit 21 has a circuit physically structured to execute functions realized by codes or instructions included in a program, and is realized by a data processing device built into hardware, for example and without limitation. Therefore, the control unit 21 may be expressed as a control circuit.

[0042] The control unit 21 is typically a central processing unit (CPU), but may also be a microprocessor, a processor core, a multiprocessor, an ASIC, or an FPGA. In the present disclosure, the control unit 21 is not limited to these.

[0043] The communication I / F 22 transmits and receives various data via the network 30. The communication may be performed either wired or wirelessly, and any communication protocol may be used as long as the communication between the two is possible. The communication I / F 22 has a function of communicating with the server 10 via the network 30. The communication I / F 22 transmits various data to the server 10 according to instructions from the control unit 21. The communication I / F 22 also receives various data transmitted from the server 10 and transmits it to the control unit 21. The communication I / F 22 may also be simply referred to as a communication unit. When the communication I / F 22 is configured from a physically structured circuit, it may also be referred to as a communication circuit.

[0044] The input / output unit 23 includes a device for inputting various operations to the terminal 20, and a device for outputting the results of processing performed by the terminal 20. The input / output unit 23 may be integrated with an input unit and an output unit (not shown), or may be separated into the input unit and the output unit.

[0045] The input / output unit 23 is realized by at least one of all types of devices capable of receiving an input from a user and transmitting information related to the input to the control unit 21. Devices capable of transmitting information related to the input to the control unit 21 include, but are not limited to, at least one of a touch panel, a touch display, hardware keys such as a keyboard, a pointing device such as a mouse, a camera (operation input via moving images), a microphone (operation input by voice), and the like.

[0046] Furthermore, the input / output unit 23 is realized by at least one of all types of devices capable of outputting the processing results processed by the control unit 21. The devices capable of outputting the processing results include, but are not limited to, at least one of a touch panel, a touch display, a speaker (audio output), a lens (for example, but not limited to, 3D output or hologram output), a printer, and the like.

[0047] The input / output unit 23 is realized by at least one of all kinds of devices capable of displaying according to the display data written in the frame buffer. Examples of devices capable of displaying according to the display data include, but are not limited to, at least one of a touch panel, a touch display, a monitor (for example, but not limited to, a liquid crystal display or an OELD), a head-mounted display (HDM), a projection mapping, a hologram, and a device capable of displaying images, text information, and the like in the air (which may be a vacuum). These devices may be capable of displaying a 3D model in two dimensions, or may be capable of displaying a 3D model in stereoscopic vision. When the input / output unit 23 is a touch panel, the input / output unit 23 and the display unit 24 may be disposed opposite each other with approximately the same size and shape.

[0048] The storage unit 28 has a function of storing various programs and various data required for the operation of the terminal 20. The storage unit 28 includes, but is not limited to, storage devices such as HDD, SSD, flash memory, RAM, ROM, and various storage media. The storage unit 28 may also be expressed as a memory.

[0049] Control unit 21 executes the programs stored in storage unit 28 to execute the processes of each unit included in control unit 21. In other words, the programs stored in storage unit 28 cause terminal 20 to realize each function executed by control unit 21. These programs may be expressed as program modules.

[0050] In the embodiment of the present disclosure, a description will be given of one or more functional units being realized by the CPU of the server 10 and / or the terminal 20 executing a program.

[0051] The control unit 11 of the server 10 and / or the control unit 21 of the terminal 20 may realize each process not only by a CPU having a control circuit, but also by a logic circuit (hardware) formed in an integrated circuit (IC (Integrated Circuit) chip, LSI (Large Scale Integration)) or a dedicated circuit. These circuits may be realized by one or more integrated circuits, and the multiple processes shown in the embodiment may be realized by one integrated circuit. Furthermore, LSIs may be called VLSIs, super LSIs, ultra LSIs, etc. depending on the degree of integration. Therefore, the control unit 21 may be expressed as a control circuit.

[0052] In addition, the program of the embodiment of the present disclosure (for example, but not limited to, a software program, a computer program, or a program module) may be provided in a state stored in a computer-readable storage medium. The storage medium can store the program in a "non-transitory tangible medium." The program may also be for realizing part of the functions of the embodiment of the present disclosure. Furthermore, the program may be a so-called difference file (difference program) that can realize the functions of the embodiment of the present disclosure in combination with a program already recorded in the storage medium.

[0053] The storage medium may include one or more semiconductor-based or other integrated circuits (ICs) (such as, by way of example and not limitation, a field programmable gate array (FPGA) or an application specific IC (ASIC)), a hard disk drive (HDD), a hybrid hard drive (HHD), an optical disk, an optical disk drive (ODD), a magneto-optical disk, a magneto-optical drive, a floppy diskette, a floppy disk drive (FDD), a magnetic tape, a solid state drive (SSD), a RAM drive, a secure digital card, or a drive, any other suitable storage medium, or a suitable combination of two or more of these. The storage medium may be volatile, non-volatile, or a combination of volatile and non-volatile, where appropriate. It should be noted that the storage medium is not limited to these examples and may be any device or medium capable of storing a program. The storage medium may also be referred to as a memory.

[0054] The server 10 and / or the terminal 20 can realize the functions of the multiple functional units shown in the embodiment by reading a program stored in a storage medium and executing the read program.

[0055] Furthermore, the program of the present disclosure may be provided to the server 10 and / or the terminal 20 via any transmission medium capable of transmitting the program (such as a communication network or broadcast waves). The server 10 and / or the terminal 20 executes a program downloaded via the Internet or the like, for example and not for limitation, to realize the functions of the multiple functional units shown in the embodiment.

[0056] Also, the embodiments of the present disclosure may be realized in the form of a data signal embodied in a carrier wave in which a program is embodied by electronic transmission.

[0057] At least a part of the processing in the server 10 and / or the terminal 20 may be realized by cloud computing configured with one or more computers.

[0058] At least a part of the processing in the terminal 20 may be configured to be performed by the server 10. In this case, at least a part of the processing of each functional unit of the control unit 21 of the terminal 20 may be configured to be performed by the server 10.

[0059] At least a part of the processing in the server 10 may be configured to be performed by the terminal 20. In this case, at least a part of the processing of each functional unit of the control unit 11 of the server 10 may be configured to be performed by the terminal 20.

[0060] Unless explicitly stated, the judgment configuration in the embodiments of the present disclosure is not required, and a specified process may be performed when the judgment condition is satisfied, or a specified process may be performed when the judgment condition is not satisfied.

[0061] Note that the programs of the present disclosure are implemented using, by way of example and not limitation, scripting languages ​​such as ActionScript and JavaScript (registered trademark), object-oriented programming languages ​​such as Objective-C and Java (registered trademark), and markup languages ​​such as HTML5.

[0062] The server 10A may be configured by a plurality of servers, not just one server. The advertisement distribution function of the server 10A according to the present disclosure may be realized by the coordinated functions or operations of the plurality of servers.

[0063] When the server 10A is composed of multiple servers, the program for realizing the advertisement delivery function according to the present disclosure may be composed of multiple programs, and each program may be distributed and stored in the storage units of the multiple servers. Each server may execute the divided program to realize the advertisement delivery function according to the present disclosure.

[0064] Although the servers 10A and 10B are separate, this is not limiting. The functions of the servers 10A and 10B may be realized by a single server. For example, a single server may manage the financial asset information managed by the server 10B. Furthermore, the functions of the servers 10A and 10B may be realized by a plurality of servers. For example, some of the functions of the server 10A may be realized by the server 10B or another server, and some of the functions of the server 10B may be located in the server 10A or another server. Furthermore, some of the functions of the servers 10A and 10B may be realized by cooperation between the servers 10A and 10B or another server.

[0065] <Data Structure> Fig. 4 shows an example of the data configuration of user information 15a stored in storage unit 15A of server 10A. As shown in Fig. 4, user information 15a includes OA user information 15a-1 and personal user information 15a-2.

[0066] The OA user information 15a-1 is identification information of an OA user. The identification information includes, for example, at least one of an identifier given to the OA user, a user name, and a company name. The OA user information 15a-1 is stored in the storage unit 15A when, for example, the OA user registers with a network service provided by the server 10A. For example, the OA user information 15a-1 is stored in the storage unit 15A when a registration request for the network service provided by the server 10A is received from the terminal 20A of the OA user.

[0067] The OA user information 15a-1 includes information (destination information) used when the server 10A transmits information (data) to the terminal 20A of the OA user, in addition to information for identifying the OA user. For example, the OA user information 15a-1 includes a push ID assigned to the terminal 20A and an email address used in the terminal 20A. This allows the server 10A to transmit information to the terminal 20A by referring to the destination information of the OA user information 15a-1.

[0068] For example, when an individual user registers with a network service provided by the server 10A and registers with an official account of an OA user, the individual user information 15a-2 is linked to the OA user information 15a-1 of the OA user and stored in the storage unit 15A. For example, when a registration request for a network service provided by the server 10A is received from the individual user's terminal 20B and a registration request for the official account of the OA user is received, the individual user information 15a-2 is linked to the OA user information 15a-1 of the OA user and stored in the storage unit 15A.

[0069] For example, assume that an individual user having individual user information X1 registers with an official account of an OA user having OA user information A. In this case, as shown in FIG. 4, the OA user information A and the individual user information X1 are associated with each other and stored in the storage unit 15A. Also, assume that an individual user having individual user information Y1 registers with an official account of an OA user having OA user information B. In this case, as shown in FIG. 4, the OA user information B and the individual user information Y1 are associated with each other and stored in the storage unit 15A.

[0070] 4, the personal users having the personal user information X1 to Xx and the OA user having the OA user information A are in a friend relationship. The personal users having the personal user information Y1 to Yy and the OA user having the OA user information B are in a friend relationship.

[0071] The individual user information 15a-2 is identification information of an individual user, and includes, for example, at least one of an identifier given to the individual user and a user name.

[0072] The personal user information 15a-2 includes information (destination information) used when the server 10A transmits information (data) to the terminal 20B of the personal user, in addition to information for identifying the personal user. For example, the personal user information 15a-2 includes a push ID assigned to the terminal 20B and an email address used in the terminal 20B. This allows the server 10A to transmit information to the terminal 20B by referring to the destination information of the personal user information 15a-2.

[0073] Fig. 5 shows an example of the data configuration of advertisement-related information 15b stored in the storage unit 15A of the server 10A. As shown in Fig. 5, the advertisement-related information 15b includes OA user information 15b-1, advertisement information 15b-2, and distribution conditions 15b-3. The advertisement-related information 15b is transmitted from the terminal 20A used by the OA user, for example, and stored in the storage unit 15A.

[0074] The OA user information 15b-1 is user information of an OA user who has transmitted the advertisement information 15b-2 and the distribution conditions 15b-3 to the server 10A using the terminal 20A. The OA user information 15b-1 has the same information as the OA user information 15a-1 described in FIG. 4, and the description thereof will be omitted.

[0075] The advertisement information 15b-2 is advertisement information (data) of an advertisement created by an OA user.

[0076] The distribution condition 15b-3 is a distribution condition of the advertisement set by the OA user. The distribution condition 15b-3 is, for example, a condition that the presence or absence of deposits and withdrawals, the timing of deposits and withdrawals, the balance, the balance fluctuation, or the amount of deposits and withdrawals of the electronic money account managed by the server 10B are in a predetermined state. For example, the distribution condition is a condition that "a deposit of 10,000 yen or more and less than 50,000 yen has been made within five days."

[0077] Fig. 6 shows an example of the data configuration of account information 15c stored in storage unit 15B of server 10B. As shown in Fig. 6, account information 15c has individual user information 15c-1 and balance information 15c-2. Account information 15c is stored in storage unit 15B, for example, when an individual user opens an electronic money account. For example, account information 15c is stored in storage unit 15B when a request to open an electronic money account is received from terminal 20B of the individual user. Account information 15c is an example of financial asset information.

[0078] The individual user information 15c-1 is information on an individual user who has opened an electronic money account. The individual user information 15c-1 has the same information as the individual user information 15a-2 described in FIG. 4, and therefore the description thereof will be omitted.

[0079] The balance information 15c-2 is information related to the balance of an electronic money account. The balance information 15c-2 includes at least one of information such as the presence or absence of a deposit or withdrawal, the timing of the deposit or withdrawal, the balance, the balance fluctuation, and the amount of the deposit or withdrawal.

[0080] For example, balance information 15c-2 may include information such as balance fluctuations within five days. More specifically, balance information 15c-2 may include information such as a withdrawal of 1 yen or more and less than 10,000 yen, a withdrawal of 10,000 yen or more and less than 50,000 yen, or a withdrawal of 50,000 yen or more within five days. Balance information 15c-2 may also include information such as a deposit of 1 yen or more and less than 10,000 yen, a deposit of 10,000 yen or more and less than 50,000 yen, or a deposit of 50,000 yen or more within five days.

[0081] Balance information 15c-2 may include information on multiple types of balances. For example, balance information 15c-2 may include information such as balance ratios and deposit / withdrawal frequencies in addition to the balance fluctuations over a certain period of time described above.

[0082] Server 10B may generate balance information 15c-2 when a deposit or withdrawal occurs or periodically (for example, at 5:00 every morning) and store it in storage unit 15B. This eliminates the need for server 10A to receive the balance of an individual user from server 10B and generate information related to the balance in real time, for example, when distributing an advertisement, thereby reducing the processing load.

[0083] <Functional configuration> Fig. 7 shows an example of a functional block of the server 10A. As shown in Fig. 7, the server 10A has an advertisement information acquisition unit 11a, an asset information acquisition unit 11b, a determination unit 11c, and a delivery control unit 11d. Each functional unit shown in Fig. 7 is realized, for example, by the control unit 11A of the server 10A executing a program stored in the storage unit 15A.

[0084] The advertisement information acquisition unit 11a accesses advertisement information 15b-2 of advertisement-related information 15b (see, for example, FIG. 5) stored in the storage unit 15A of the server 10A and distribution conditions 15b-3 corresponding to the advertisement information 15b-2.

[0085] The asset information acquiring unit 11b accesses individual user information 15c-1 of the account information 15c (see, for example, FIG. 6) stored in the storage unit 15B of the server 10B and balance information 15c-2 corresponding to the individual user information 15c-1.

[0086] The determination unit 11c determines whether or not the balance information 15c-2 of the individual user accessed by the asset information acquisition unit 11b satisfies the distribution conditions 15b-3 accessed by the advertisement information acquisition unit 11a.

[0087] Based on the determination result of the determination unit 11c, the delivery control unit 11d delivers the advertisement information 15b-2 to the personal user (terminal 20B) of the personal user information 15c-1 corresponding to the account information 15c that satisfies the delivery condition 15b-3. For example, the delivery control unit 11d delivers the advertisement information 15b-2 to the personal user (terminal 20B) based on the destination information included in the personal user information 15a-2 corresponding to the personal user information 15c-1.

[0088] Incidentally, the term "access" may be rephrased as "acquire." The accessed information may be stored in the storage unit 15A of the server 10A.

[0089] <Screen Configuration> 8 shows an example of a screen displayed on the display of the terminal 20A. When an OA user who has opened an official account wants to distribute an advertisement, the OA user accesses the server 10A using the terminal 20A, and a screen 31 for distributing the advertisement is displayed on the display of the terminal 20A.

[0090] It should be noted that, for example, when an OA user accesses the server 10A using the terminal 20A, the image data of the screen 31 is transmitted from the server 10A. The screen 31 is displayed on the display of the terminal 20A by, for example, a browser.

[0091] The OA user can narrow down (select) the attributes of the advertisement distribution conditions using the terminal 20A. For example, the OA user can select the attributes of the distribution conditions from a pull-down menu 31a displayed on the screen 31.

[0092] As shown in the attribute list 31c on the screen 31, the attributes of the delivery conditions include, for example, age, sex, region, OS, friend period, deposit / withdrawal status, and account balance.

[0093] The attribute list 31c of the distribution conditions is displayed when the pull-down button 31b displayed to the right of the pull-down 31a is pressed. The OA user presses the pull-down button 31b to display the attribute list 31c, and selects an attribute of the distribution conditions from the displayed attribute list 31c.

[0094] Fig. 9 shows an example of a screen displayed on the display of the terminal 20A. In Fig. 9, the same components as in Fig. 8 are given the same reference numerals.

[0095] Screen 32 shown in Fig. 9 shows an example of the screen when deposit / withdrawal status is selected from attribute list 31c shown in Fig. 8. When the OA user selects deposit / withdrawal status as an attribute of the delivery conditions, the OA user can select the delivery conditions of the advertisement regarding the deposit / withdrawal status of the electronic money account of the individual user.

[0096] For example, the OA user can check a check box on the delivery condition selection screen 32a displayed below the pull-down 31a to select delivery conditions for advertisements related to the deposit and withdrawal status of the individual user's electronic money account. As shown by the check boxes on the delivery condition selection screen 32a, multiple delivery conditions may be selected. In the example of the delivery condition selection screen 32a in FIG. 9, the OA user's advertisement is delivered to individual users who have made a deposit of 1 yen or more and less than 10,000 yen, and individual users who have made a deposit of 10,000 yen or more and less than 50,000 yen, within five days prior to the day the advertisement is delivered.

[0097] When the OA user selects a check box on the distribution condition selection screen 32a, the server 10A may display the target estimation information 32b on the display of the terminal 20A. The target estimation information 32b indicates the percentage of personal users who are friends with the OA user to whom the advertisement will be distributed according to the distribution conditions selected by the OA user. From the viewpoint of protecting personal information, the server 10A cannot provide the OA user with information identifying the personal users to whom the advertisement will be distributed, but provides the OA user with the percentage of personal users who are friends with the advertisement to whom the advertisement will be distributed through the target estimation information 32b.

[0098] The delivery conditions may include a condition that the advertisement is delivered when the balance in the individual user's electronic money account decreases.

[0099] For example, the delivery conditions may include a condition that 50,000 yen or more has been withdrawn within five days prior to the date of delivery of the advertisement (a minus 50,000 yen or more). For OA users who provide a money lending service or a job placement service for part-time work, the effectiveness of the advertisement may be increased if an advertisement for the money lending service or the job placement service is delivered when the balance of an individual user's electronic money account decreases.

[0100] Fig. 10 shows an example of a screen displayed on the display of terminal 20A. In Fig. 10, the same components as those in Figs. 8 and 9 are denoted by the same reference numerals.

[0101] An OA user can set (select) delivery conditions for multiple attributes. For example, an OA user can set delivery conditions for an attribute called friend period in addition to the delivery conditions for the deposit / withdrawal status described in FIG.

[0102] 10 shows an example of a screen 33 when the attribute "friend period" is selected. The attribute "friend period" can be selected from a pull-down menu 31a.

[0103] The OA user can check the checkbox on the delivery condition selection screen 33a displayed under the pull-down 31a to select the delivery conditions of the advertisement with respect to the friend period between the OA user and the individual user. Multiple delivery conditions may be selected. In the example of the delivery condition selection screen 33a in FIG. 10, the advertisement of the OA user is delivered to individual users who have been friends with the OA user for 90 days or more and less than 179 days.

[0104] The delivery conditions set for multiple attributes may be linked by an AND condition or an OR condition. For example, the delivery conditions for the attribute of the deposit / withdrawal status described in Fig. 9 and the delivery conditions for the attribute of the friend period described in Fig. 10 may be linked by an AND condition or an OR condition. The OA user may use the terminal 20A to set whether the delivery conditions are linked by the AND condition or the OR condition.

[0105] The age of the individual user may be set as a condition for delivering the advertisement. For example, when age is selected in the attribute list 31c of Fig. 8, one or more of the following may be set as the condition for delivering the advertisement: under 20s, 20s to under 30s, 30s to under 40s, 40s to under 50s, 50s to under 60s, and 60s or older.

[0106] Furthermore, the gender of the individual user may be set as the advertisement delivery condition. Furthermore, the region may be set as the advertisement delivery condition. Furthermore, the current balance may be set as the advertisement delivery condition. For example, one or more of less than 10,000 yen, between 10,000 yen and 50,000 yen, between 50,000 yen and 100,000 yen, and over 100,000 yen may be set.

[0107] Furthermore, an advertisement creation screen on which the OA user creates or edits an advertisement may be displayed on the display of the terminal 20A. The OA user may create or edit an advertisement on the advertisement creation screen displayed on the display of the terminal 20A, and transmit advertisement information of the created or edited advertisement to the server 10A. That is, the advertisement information and the distribution conditions may be specified by the OA user. This allows the OA user to easily and freely create advertisement information and set the distribution conditions.

[0108] <Example of operation> In the following, it is assumed that the OA user using the terminal 20A has opened an official account. Also, it is assumed that the personal user using the terminal 20B has registered with the official account of the OA user using the terminal 20A. That is, it is assumed that the OA user information 15a-1 of the OA user using the terminal 20A and the personal user information 15a-2 of the personal user using the terminal 20B are stored in association with each other in the storage unit 15A of the server 10A, as described in FIG. 4.

[0109] Also, it is assumed that the individual user who uses the terminal 20B has opened an electronic money account that the server 10A can access. That is, it is assumed that the storage unit 15B of the server 10B stores individual user information 15c-1 and balance information 15c-2 of the individual user who uses the terminal 20B in association with each other, as described in FIG.

[0110] (1) Example of operation of advertisement distribution system 1 11 is a sequence showing an example of the operation of the advertisement delivery system 1. The terminal 20A receives advertisement-related information from an OA user (S1). For example, the terminal 20A receives advertisement-related information including OA user information of the OA user, advertisement information of the advertisement, and delivery conditions from the OA user.

[0111] The terminal 20A transmits the advertisement-related information accepted in S1 to the server 10A (S2).

[0112] The server 10A receives the advertisement-related information transmitted from the terminal 20A and stores it in the storage unit 15A (S3). As a result, the storage unit 15A of the server 10A stores advertisement-related information 15b including OA user information 15b-1 of the user who uses the terminal 20A, advertisement information 15b-2, and distribution conditions 15b-3 (see, for example, FIG. 5).

[0113] The server 10A judges whether it is the timing to distribute an advertisement (S4). If it is the timing to distribute an advertisement (Yes in S4), the server 10A accesses the server 10B and accesses the electronic money account of an individual user who is a friend of the OA user who uses the terminal 20A (S5). On the other hand, if it is not the timing to distribute an advertisement (No in S4), the server 10A repeats the process of S4.

[0114] Server 10A extracts electronic money accounts that match distribution conditions 15b-3 stored in storage unit 15A in S3 from among the electronic money accounts accessed in S5 (S6).

[0115] The server 10A distributes the advertising information 15b-2 stored in the storage unit 15A in S3 to the terminal 20B of the individual user of the electronic money account extracted in S5 (S7).

[0116] (2) Example of operation of server 10A Fig. 12 is a flowchart showing an example of the operation of the server 10A. The OA user inputs the OA user information of the OA user, the advertisement information of the advertisement to be distributed, and advertisement-related information including the distribution conditions of the advertisement into the terminal 20A, and transmits it to the server 10A. The OA user inputs (selects) the distribution conditions on the distribution condition selection screens 32a, 33a, for example, as described in Fig. 9 and Fig. 10, and transmits it to the server 10A.

[0117] The server 10A receives advertisement-related information including advertisement information, distribution conditions, and OA user information transmitted from the terminal 20A (S11).

[0118] The server 10A stores the advertisement-related information received in S11 in the storage unit 15A (S12). As a result, the storage unit 15A of the server 10A stores advertisement-related information 15b including OA user information 15b-1 of the user of the terminal 20A, advertisement information 15b-2, and distribution conditions 15b-3 (see, for example, FIG. 5).

[0119] Based on the OA user information 15b-1 of the advertisement-related information 15b stored in the memory unit 15A in S12, the server 10A refers to the user information 15a stored in the memory unit 15A and acquires the personal user information 15a-2 linked to the OA user information 15a-1 (S13).

[0120] That is, the server 10A acquires personal user information 15a-2 of personal users who are friends with the OA user of the OA user information 15b-1 stored in S12. For example, assume that the OA user information 15b-1 stored in S12 is "A." In this case, the server 10A acquires personal user information "X1," "X2," ..., "Xx" linked to the OA user information "A" in the example of FIG. 4.

[0121] Next, server 10A accesses server 10B that stores account information 15c (see, for example, FIG. 6), and accesses the electronic money account of the personal user of the personal user information acquired in S13 (S14). For example, in the example of FIG. 6, server 10A accesses the electronic money account of personal user information "X1."

[0122] The server 10A judges whether the balance information 15c-2 (see FIG. 6) of the accessed electronic money account satisfies the distribution condition 15b-3 of the advertisement-related information 15b stored in S12 (S15). For example, assume that the distribution condition selected by the OA user is "a deposit of 10,000 yen or more and less than 50,000 yen has been made within five days." In this case, the server 10A judges whether a deposit of 10,000 yen or more and less than 50,000 yen has been made within five days in the electronic money account of the individual user information "X1."

[0123] If the server 10A determines that the balance information 15c-2 of the accessed electronic money account satisfies the distribution conditions 15b-3 of the advertisement-related information 15b stored in S12 (Yes in S15), the server 10A stores the individual user information 15a-2 corresponding to the accessed electronic money account in the storage unit 15A (S16).Then, the server 10A proceeds to the process of S17.

[0124] On the other hand, if the server 10A determines that the balance information 15c-2 of the accessed electronic money account does not satisfy the distribution conditions 15b-3 of the advertising-related information 15b stored in S12 (No in S15), it does not execute the storage process of S16 and transitions the process to S17.

[0125] The server 10A determines whether or not the electronic money accounts of all the individual user information 15a-2 acquired in S13 have been accessed (S17). For example, the server 10A determines whether or not the electronic money accounts of all the individual user information “X1”, “X2”, …, “Xx” acquired in S13 have been accessed.

[0126] If the server 10A determines that the electronic money accounts of all of the individual user information 15a-2 acquired in S13 have not been accessed (No in S17), the server 10A transitions to the process of S14.

[0127] On the other hand, when the server 10A determines that the electronic money accounts of all the personal user information 15a-2 acquired in S13 have been accessed (Yes in S17), the server 10A distributes the advertisement information received in S11 to the terminal 20B of the personal user in the personal user information 15a-2 stored in S16 (S18). The personal user information 15a-2 includes destination information for transmitting information to the terminal 20B. The server 10A distributes the advertisement information 15b-2 stored in the memory unit 15A in S12 to the terminal 20B based on the destination information included in the personal user information 15a-2.

[0128] <Effects of the embodiment> As described above, server 10A has an advertising information acquisition unit 11a that can access memory unit 15A that stores advertising information in association with delivery conditions for the advertising information, an asset information acquisition unit 11b that can access memory unit 15B of server 10B that stores multiple individual users of online services in association with the financial asset information of the individual users, a determination unit 11c that determines whether the financial asset information satisfies the delivery conditions, and a delivery control unit 11d that delivers advertising information to individual users corresponding to financial asset information that satisfies the delivery conditions.

[0129] In this way, the determination unit 11c determines whether the financial asset information of the individual user satisfies the delivery condition, and if so, the delivery control unit 11d delivers the advertisement information to the individual user, so that the OA user can receive the advertisement of the OA user at a suitable timing. For example, the server 10A can deliver the advertisement at a timing, such as immediately after payday, when the individual user has a certain amount of financial assets or more and is likely to have an incentive to purchase a new product.

[0130] Furthermore, the server 10A distributes advertisements not to all individual users who are friends with the OA user, but to specific individual users who are friends with the OA user and have a certain amount of financial assets and are likely to have an incentive to purchase a new product. This allows the OA user to reduce advertising costs, for example, when advertising costs are charged according to the number of advertisements distributed, and also enables highly effective advertisement distribution.

[0131] In the above explanation, the server 10A determines whether or not the financial asset information of individual users who are friends with the OA user satisfies the distribution conditions. However, this is not limited to this, and the server 10A may determine whether or not the financial asset information of all individual users satisfies the distribution conditions and distribute advertisements to them.

[0132] This allows the OA user to distribute advertisements to a wide range of individual users. In addition, the server 10A distributes advertisements to individual users who have registered with the network service of the server 10A and whose balance information 15c-2 matches the distribution conditions, thereby reducing the processing load and power consumption.

[0133] <First Modification> The server 10A may specify a delivery time of the advertisement information via the terminal 20A. The server 10A may determine whether or not the balance information 15c-2 in the electronic money account of the individual user satisfies the delivery condition 15b-3 of the advertisement-related information 15b at a timing based on the specified delivery time, and may deliver the advertisement information to the terminal 20B of the individual user.

[0134] This allows the OA user to specify, for example, a distribution time when the advertising effect is expected to be high. For example, an OA user who provides lunch can specify a distribution time of 9:00 a.m. Furthermore, the server 10A determines whether the balance information 15c-2 in the electronic money account of the individual user satisfies the distribution conditions 15b-3 of the advertisement-related information 15b at a timing based on the specified distribution time, thereby reducing the processing load and power consumption.

[0135] The advertisement information delivery time may be set to, for example, every day or every Friday, etc. For example, when the advertisement delivery is set to every Friday, the server 10A determines whether the balance information 15c-2 in the electronic money account of the individual user satisfies the delivery condition 15b-3 of the advertisement-related information 15b every Friday at a timing based on the delivery time designated by the OA user.

[0136] <Second Modification> The server 10A may specify (reserve) a distribution period for the advertisement information via the terminal 20A. For example, the server 10A may specify a period for distributing the advertisement information from month x to month y. The server 10A may determine whether or not the balance information 15c-2 in the electronic money account of the individual user satisfies the distribution conditions 15b-3 of the advertisement-related information 15b during the specified distribution period, and distribute the advertisement information to the terminal 20B of the individual user.

[0137] This allows the OA user to set a distribution period for the advertisement, such as a limited-time campaign. Also, the server 10A determines whether the balance information 15c-2 in the electronic money account of the individual user satisfies the distribution conditions 15b-3 of the advertisement-related information 15b during the specified distribution period, thereby reducing the processing load and power consumption.

[0138] <Third Modification> One individual user may have multiple electronic money accounts. In this case, server 10A may determine whether or not balance information 15c-2 in each electronic money account satisfies distribution condition 15b-3 of advertisement-related information 15b. Then, server 10A may distribute advertisement information to terminal 20B of the individual user if even one of balance information 15c-2 in multiple electronic money accounts satisfies distribution condition 15b-3 of advertisement-related information 15b.

[0139] This allows the OA user to distribute the advertisement of the OA user at a suitable timing even if the individual user has multiple electronic money accounts. Also, the server 10A distributes advertisements to individual users who meet the distribution conditions, rather than to all individual users who are friends with the OA user, thereby reducing the processing load and power consumption.

[0140] <Fourth Modification> For example, the terminal 20A may display the delivery conditions "Balance decreasing trend" and "Balance increasing trend" on the delivery condition selection screen 32a described with reference to FIG.

[0141] The OA user may use the terminal 20A to create an advertisement to be delivered when the balance of an electronic money account shows a decreasing trend, and select a delivery condition of "balance decreasing trend." The advertisement to be delivered when the balance of an electronic money account shows a decreasing trend may be an advertisement including information related to fund raising for the individual user, such as loaning money or job referrals. When the balance of the electronic money account of the individual user shows a decreasing trend, the server 10A determines that the delivery condition of "balance decreasing trend" is met, and delivers the advertisement related to fund raising created by the OA user.

[0142] Furthermore, the OA user may use the terminal 20A to create an advertisement to be distributed when the balance of an electronic money account shows an increasing trend, and select a distribution condition of "balance increasing trend." The advertisement to be distributed when the balance of an electronic money account shows an increasing trend may be an advertisement including information related to the consumption of funds by an individual user, such as a new product announcement or a campaign. When the balance of an individual user's electronic money account shows an increasing trend, the server 10A determines that the distribution condition of "balance increasing trend" is met, and distributes the advertisement related to the consumption of funds created by the OA user.

[0143] This allows the OA user to distribute advertisements related to fund raising and advertisements related to fund consumption to individual users. In addition, the server 10A distributes advertisements to individual users who meet the distribution conditions, rather than to all individual users who are friends with the OA user, thereby reducing the processing load and power consumption.

[0144] The increase and decrease trends of the balance of an electronic money account are an example of information about the balance, and are included in the balance information 15c-2 described with reference to FIG.

[0145] <Fifth Modification> The balance information 15c-2 stored in the storage unit 15B of the server 10B may include a balance ratio, such as a balance compared to the previous day or a balance compared to five days ago, as information related to the balance.

[0146] For example, the balance information 15c-2 includes a balance change from five days ago. The distribution conditions include a balance change from five days ago being less than 1, between 1 and 2, and between 2 and 1. The OA user selects a balance change from five days ago being 1 and 2 as the distribution condition.

[0147] In this case, the server 10A accesses the account information 15c of the server 10B, acquires the balance ratio compared to five days ago, and determines whether the acquired ratio satisfies a distribution condition parameter of 1 or more and less than 2. Then, the server 10A distributes the advertisement based on the determination result.

[0148] This allows the OA user to distribute advertisements based on the balance ratio of individual users. Also, the server 10A distributes advertisements to individual users who meet the distribution conditions, rather than to all individual users who are friends with the OA user, thereby reducing the processing load and power consumption.

[0149] Furthermore, the balance information 15c-2 stored in the memory unit 15B of the server 10B may include the frequency (number of times) of deposits and withdrawals in a certain period of time as information related to the balance.

[0150] For example, the balance information 15c-2 includes the frequency of deposits and withdrawals in one month. The distribution conditions include conditions such as the frequency of deposits and withdrawals in one month being less than 5 times, 6 times or more and less than 10 times, and 10 times or more. The OA user selects the frequency of deposits and withdrawals in one month being 6 times or more and less than 10 times as the distribution condition.

[0151] In this case, the server 10A accesses the account information 15c of the server 10B to obtain the frequency of deposits and withdrawals in one month, and determines whether the obtained frequency satisfies 6 times or more and less than 10 times. Then, the server 10A distributes an advertisement based on the result of the determination.

[0152] This allows the OA user to distribute advertisements based on the deposit and withdrawal frequency of individual users. In addition, the server 10A distributes advertisements to individual users who meet the distribution conditions, rather than to all individual users who are friends with the OA user, thereby reducing the processing load and power consumption.

[0153] <Sixth Modification> The financial asset information is not limited to the balance of an electronic money account, etc. The financial asset information may be the presence or absence of points being deposited or withdrawn in a points account, the timing of points being deposited or withdrawn, the points balance, fluctuations in the points balance, or the number of points being deposited or withdrawn. The distribution condition may be, for example, a condition that the presence or absence of points being deposited or withdrawn, the timing of points being deposited or withdrawn, the number of points, fluctuations in the number of points, or the number of points being deposited or withdrawn is in a specified state.

[0154] The financial asset information may be credit card usage information. The distribution condition may be that the credit card usage information is in a predetermined state. For example, the distribution condition may be that a purchase has been made within the past five days. The financial asset information may be bank accounts.

[0155] This allows the OA user to set distribution conditions for various financial asset information. Also, the server 10A distributes advertisements to individual users who meet the distribution conditions, rather than to all individual users who are friends with the OA user, thereby reducing the processing load and power consumption.

[0156] <Seventh Modification> The OA user may manage the points of the individual user in a server that the OA user manages independently. In this case, the server 10A may access the server that the OA user manages independently to access the point account of the individual user. The server 10A may determine whether or not the information on the point balance of the individual user that the OA user manages independently satisfies the delivery condition 15b-3 of the advertisement-related information 15b.

[0157] This allows the network service company that manages the server 10A to provide a service that distributes advertisements based on the financial asset information of the server that the OA user manages independently. Also, the server 10A distributes advertisements to individual users who meet the distribution conditions, rather than to all individual users who are friends with the OA user, thereby reducing the processing load and power consumption.

[0158] <Other> Although the embodiments of the present disclosure have been described based on the drawings and examples, it should be noted that those skilled in the art can easily make various modifications and corrections based on the present disclosure. Therefore, it should be noted that these modifications and corrections are included in the scope of the present disclosure. By way of example and not of limitation, the functions included in each means, each step, etc. can be rearranged so as not to cause logical inconsistency, and multiple means, steps, etc. can be combined into one or divided. In addition, the configurations shown in the embodiments may be appropriately combined. [Explanation of symbols]

[0159] 1. Advertisement distribution system 10A,10B Server 11 Control section 11a Advertising information acquisition unit 11b Asset Information Acquisition Department 11c Judgment section 11d Distribution control section 12 Input / output section 13. Display 14 Communication I / F 15 Storage section 15a User Information 15a-1 OA User Information 15a-2 Personal User Information 15b Advertising-related information 15b-1 OA User Information 15b-2 Advertising information 15b-3 Delivery conditions 15c Account Information 15c-1 Personal User Information 15c-2 Balance Information 20A, 20B terminal

Claims

1. On the server, accessing advertisement information and a distribution condition for determining whether or not to distribute the advertisement information; accessing financial asset information associated with a plurality of individual users of the online service; Accessing information of an official account user who provides the advertisement information and information of the personal user associated with the official account user; determining whether the financial asset information satisfies the distribution conditions; executing a process of delivering the advertising information to the individual user associated with the official account user when financial asset information of the individual user associated with the official account user satisfies the delivery condition, and not delivering the advertising information to the individual user associated with the official account user when financial asset information of the individual user associated with the official account user does not satisfy the delivery condition; a delivery time of the advertising information is specified by the official account user; and causing the server to execute a process of determining whether or not the financial asset information satisfies the distribution condition at a timing based on the distribution time. program.

2. The advertising information and the distribution conditions are specified by the official account user. The program according to claim 1.

3. A delivery period of the advertising information is designated by the official account user. The program according to claim 1 or 2.

4. The financial asset information is account information or credit card information. The program according to any one of claims 1 to 3.

5. The individual user has a plurality of the account information, Furthermore, the server is caused to execute a process of determining whether or not the delivery conditions are satisfied for each of the account information. The program according to claim 4.

6. The distribution condition is that the presence or absence of deposits / withdrawals, the timing of deposits / withdrawals, the balance, the balance fluctuation, or the amount of deposits / withdrawals of the financial asset information is in a predetermined state. The program according to any one of claims 1 to 3.

7. The advertising information includes fund raising information and fund consumption information, Furthermore, the server The fund raising information is delivered when the delivery condition that the financial asset information shows a trend of a decrease in the balance is satisfied. When the financial asset information satisfies the distribution condition that the balance of the financial asset information shows an increasing trend, the process of distributing the fund consumption information is executed. The program according to any one of claims 1 to 3.

8. An advertisement information acquisition unit capable of accessing an advertisement information storage unit that stores advertisement information and a distribution condition for determining whether or not to distribute the advertisement information in association with each other; an asset information acquiring unit that can access an asset information storage unit that stores a plurality of individual users of an online service and financial asset information of the individual users in association with each other; a determination unit that determines whether the financial asset information satisfies the distribution conditions; a distribution control unit that distributes the advertisement information to individual users corresponding to the financial asset information that satisfies the distribution condition, and does not distribute the advertisement information to individual users corresponding to the financial asset information that does not satisfy the distribution condition; having The advertisement information acquisition unit accesses information of an official account user who provides the advertisement information and information of the personal user associated with the official account user, the distribution control unit distributes the advertising information to the personal user associated with the official account user when financial asset information of the personal user associated with the official account user satisfies the distribution condition, and does not distribute the advertising information to the personal user associated with the official account user when financial asset information of the personal user associated with the official account user does not satisfy the distribution condition; a delivery time of the advertising information is specified by the official account user; the determination unit determines whether or not the financial asset information satisfies the distribution condition at a timing based on the distribution time. server.

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