Point management device, point management system and computer program wherein the point management device includes a point management part and a terminal processing part

An object of the invention is to strongly motivate a user to obtain points. The solution of the present invention is that a point management device 10 manages the balance of stock points sent to the user. The point management device 10 includes a point management part 17 that updates the balance of stock points in response to the stock price of the stock that has been previously associated with the stock point, thereby linking the balance with the stock price; and a terminal processing part 16 that receives an exchange instruction for exchanging at least one part of the balance with the stock from a user terminal 20 of the user through communication network NW. The point management part 17 performs an exchange process for exchanging points with the stock corresponding to the stock price of the stock in the balance based on the exchange instruction received through the terminal processing part.