Applied for a national strategic-level business model patent Patent No. 6964304: Related to Point Business ～Specifics of the patent: Chat GPT Explanation (1)Enabling License Agreement for the Future

The Point Organization, Inc. (headquartered in Sendagaya, Shibuya-ku, Tokyo), Yuki Takeuchi, President of the Company, is currently working to obtain approximately 27 business model patents, and two patents were granted in November 2025 and two more will be granted in December 2025. Prior to obtaining the patents, we are now entering into a license agreement for "Patent No. 6964304".

The Point Organization is a sales consulting company that provides sales improvement and cost reduction services to business owners by introducing a system (A-GEL System: A-GEL Gift Points & A-GEL Gift Cards) for zero yen (post-paid success fee type) using the original coupons and original points of the customer. We are developing this business as a sales consulting company to improve sales and reduce costs for business owners.

We have applied for a patent because we want to eliminate the expiration date of the points (indefinite) and reduce the burden on the "point company".

Specific explanation

What was the problem in the first place?

There is a legal rule in the point service that if a lot of unused points remain, the company has to deposit a large amount of money (deposit).

So the company has to

Shorten the expiration date of points

Increase the number of procedures to make people use the points immediately

・Increasing the number of procedures to make people use the points immediately.

To make users spend their points, companies have to make it difficult for them to do so.

In other words,

If you don't use it, you lose it.

You have to check the due date every month.

Too many procedures before using it.

All of these problems were caused by "avoiding the deposit fee.

The solutions we came up with were

1. protect points by putting them in "reserve" before they expire.

　→ The user does not lose money due to expiration. 2.

(2) Convert points from "reserve" to "usable points" only when they are ready to be used.

　→ Until then, it is difficult to be counted as "unused point balance" under the law. 3.

(3) Therefore, deposit money is almost unnecessary.

　→ Small companies with little funds can enter the point business.

What has this system changed?

＜For users

Points do not expire immediately, no need to worry about expiration dates, no more troublesome procedures, no more complaints about "points disappearing without notice.

<For companies

No more need to pay a large amount of deposit money, even small companies can participate in the point business, no need to shorten the expiration date, and a service that "safely allows people to accumulate points" is possible.

What is the analogy of this invention?

A system in which points are deposited in a bank and taken out only when they are used.

Ordinary points

　→ Cash" that has a short expiration date.

Your reserve points

　→ Deposit" that can be safely stored

Users can shop only when they want to use them, converting them from "deposit → cash". So, it is safe while you have it, you don't lose money when it expires, and companies don't lose money because the balance doesn't increase too much.

Why is this a future in which small and medium-sized businesses can participate?

Normal point businesses,

"Unused point balances grow."

↓

"By law, you have to pay a deposit.

↓ "Companies without money cannot enter the market" ↓ "Companies without money cannot enter the market

"Companies without money cannot enter the market.

The structure of the system was "No company can enter the market without money.

But with this invention

Points are kept in "reserve

↓

The points are not treated as a "balance" under the law.

↓

Almost no need for deposit money

↓

Even a small company can have a point system. This is the truly revolutionary part.

■Final summary (shortest and most accurate explanation)

By keeping points in "reserve" until they are used, companies do not have to pay a deposit and users do not lose money when they expire. Patent No. 6964304 invented this mechanism.

Background

<Conditions for prepaid means of payment (points) to become a deposit obligation

Under Japan's Funds Settlement Law, if the expiration date exceeds 6 months or the unused balance exceeds 10 million yen, the customer is obliged to deposit 1/2 of the unused balance as a security deposit.

In other words, "points remain unused" = "liabilities accumulate" = "deposits increase.

Actions that point-issuing companies have no choice but to take in order to avoid having to pay the deposit

(1) "Setting a short expiration date for users" becomes necessary.

In order to avoid the need to pay the deposit, companies want users to use their points as soon as possible and do not want to keep the points as a balance for a long time.

But as a result

Users lose money if they forget.

Users have to "work" to use their points every month before they expire.

Users need to check the management screen, receive notifications, apply for usage, etc., which are cumbersome.

　→ Users feel that there are too many procedures and it is not easy to use.

(2) "Prior procedures are required to use points

In order to avoid deposits, the most dangerous situation is that points are "held unused for a long period of time.

Therefore, companies have no choice but to deliberately make the process more time-consuming, such as advance reservation, advance recharging, application for use, and point conversion procedures, because "making it too easy to use points will cause the unused balance to grow.

As a result

Not being able to use points immediately (time lag)

Too many procedures

Users have to manage the expiration date.

(3) "When the unused balance is about to grow, an emergency campaign is launched wildly"

In order to avoid a deposit, it is dangerous to have a large balance on the record date (end of March or end of September), and it is necessary to generate a large amount of point consumption just before the record date. Therefore, companies launch a series of "measures to make people use points" with unnatural timing, such as massive discount campaigns, limited-time point consumption events, and advancements in the redemption deadline. For the users, this can lead to the following problems

The timing of the "use it when you want to use it" is too sudden

Cannot adjust to the normal shopping cycle

As a result, users are left with the impression of "hassle" and "time lag.

In other words, the "time lag and too many procedures" are "structural defects" that occur as a result of companies being bound by the legal system of deposit fees, a phenomenon that occurs not for the sake of users but to avoid the obligation of companies to deposit money.

What the patent (No. 6964304) has solved

Conventional problems

<Corporate side

As the unused balance increases, the need for a deposit increases, forcing companies to shorten the expiration date. As a result, users have to go through a procedure before they can use their points, making it difficult for them to use them.

<User side

Points expire quickly, cannot be used immediately due to many procedures, and the time lag diminishes the benefits of using points.

Solution by the present invention

(1) Points are held in "reserve" until "just before" the user uses them.

→ (2) Points are not counted as unused balance

→ (2) No increase in deposit money

→ Even small and medium-sized companies can participate in the system.

(2) Points that expire are absorbed into "reserve".

→ No loss for users due to expiration

→ No need to intentionally shorten expiration dates

(3) Converts points into "reserve points" when used

→ Deposited only at the moment immediately before use

→ Sharply reduced burden on companies

→ (4) Users do not need to follow any procedures and there is no time lag

Conclusion

The "time lag and many procedures" is a move that companies were forced to make in order to avoid the burden of depositing money. And the patent completely eliminated it.

In the following, we have summarized the patent No. 6964304 (Circulation Management Patent for Periodic Occurrence Points) into a concrete explanation that shows who uses what, to whom, how, what kind of change occurs, and how much rank class (value and social impact level).

1. who? All companies with lifeline or recurring rate business

Electric power companies, gas companies, water companies, telecommunication companies (smartphones, fiber optic lines), NHK, subscriber services, insurance (paid monthly), rent, management fees, credit card companies, small local businesses (cleaning, fitness, food service, tutoring, etc.)

Furthermore, the most important feature of this system is that small and micro businesses can also enter the point business without a deposit.

2. with what? Regular accrual points" + "reserve points" + "circulation rate".

Periodic accrual points

　→ Granted within 6 months of expiration

Expired points

　→ Points that have expired are kept as "reserve points".

Circulation rate (1-300%, etc.)

　→ Adjustment of the percentage of points to be recovered from expired points

The core of the patent is a mechanism to store points as "reserve points" until immediately before use. 3.

3. to whom? (Who benefits?) <Users (citizens, subscribers)

＜Users (citizens and subscribers)

Users do not lose money when points expire.

No need to worry about the expiration of points.

Easy to use points

・Natural increase in points if you sign a contract for a long time.

Easier to receive promotions and reductions.

<Companies (Lifeline, SMEs)

・Burden of deposit money is drastically reduced.

・Points business can be realized even by small companies.

Long-term contract rate will increase (churn rate will decrease).

Can be used to acquire new customers.

4. how? (concrete mechanism) If it is expressed in a way that anyone can understand, it will be like this ↓↓.

Step 1

User pays monthly fee

↓ [Step 2] Users pay a monthly fee

Points are earned (recurring points).

Step 2

Points "expire" after 6 months.

↓ The user pays the monthly fee.

But the expired points are automatically stored in the "reserve points" (= users do not lose money).

Step 3

Only when the user uses the points, they are converted to "reserve → points used".

↓ ↓ ↓ ↓ ↓ ↓ ↓ ↓ ↓

The amount of points used is reduced.

↓ ↓ ↓ ↓ ↓ ↓ ↓ ↓

The unused points are stored safely in reserve. You don't have to keep track of the expiration date.

Step 4

For companies, reserve points are not likely to be subject to deposit, and points used are recorded only at the moment of use.

In other words, the burden on companies (deposit money) will be greatly reduced. Small and medium-sized enterprises will be able to participate. 5.

How will this mechanism "change the environment?

[Environmental change on the user side

Users will no longer be chased by point expiration, and there will be zero pressure for unnecessary expiration dates. Points can be safely accumulated like deposits, and consumer protection will be strengthened.

Environmental changes on the corporate side

Unused balance will not be exposed.

Almost zero deposit costs

・The point service can be easily operated.

Small companies in rural areas can also offer point services.

Customer churn rate will be greatly reduced.

・ Acquisition of new users becomes easy.

・ Customer LTV (lifetime value) will increase.

Changes in the overall industry environment

Increased number of points common to all industries will invigorate local economies.

What is the "rank level" of this patent?

The patent portfolio was evaluated based on the classification criteria of "national strategic level," "sub-national strategic level," and "commercial/industrial strategic level," and the overall rank was "national strategic level," which is the highest rank.

[Breaking down the reasons why.

(1) "Structural innovation" that complements the legal system

(1) "Structural innovation" that compensates for the legal system (technology × law × finance)

→ Invention that changes the entire social system

(2) "National policy level effectiveness" to allow SMEs to participate

98.6% of Japanese companies are SMEs and all of them can participate in the point economy

→ Impact on the economic structure of the country

(3) Applicable to the four major infrastructure: lifelines, telecommunications, finance, and insurance

An invention that fundamentally changes the country's basic industries because it can be applied across multiple industries.

(4) Compatibility of consumer protection and corporate profits (policy objective itself)

Consumers do not lapse, companies do not have to worry about deposit money, and the government has fewer complaints, grievances, and troubles

→ Structure most favored by the government

(5) Low technical difficulty of implementation examples, nationwide introduction possible (= high social implementation capability)

No need for oversized infrastructure, easy to install in existing systems, immediate deployment

→ Easy to spread on a national scale

Final Summary

A patent that realizes who (lifeline, SMEs), what (reserve point technology), to whom (users), how (zero time limit and deposit burden by conversion just before use), feasibility (can be introduced with existing systems), and environmental change (no loss for users, free entry for companies, and market activation). And the rank level is national strategy level.

Company Profile

Point Organization Co.

Location: Room 301, 3F HOUSE2717, 2-7-9 Sendagaya, Shibuya-ku, Tokyo

URL (official site): https://www.point-kikou.co.jp