JP2001312607A - Membership article purcahse system, settlement system, system and method for membership article purchase with settlement function, and recording medium - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a system and a method for membership article purchase which give a reward to an introducer each time an introduced person purchases an article and reduce operation for giving and managing the reward. SOLUTION: This membership article purchase system 10a allows registered members 40a and 42a, i.e., a regular member and a new member introduced by the regular member to purchase articles and is equipped with a server device 2a and a member information database 4a which stores identification information on the registered member 30a while relating it to identification information on the registered member 42a having introduced the member; and the server device 2a accepts a request to purchase an article from the side of the registered member 40a through a terminal 8a connected to the server device 2a, retrieves the identification information on the registered member 42a from the member information database 4a according to the identification information on the registered member 40a sent through the terminal 8a, and computes the reward to be given to the registered member 42a.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

[0001] The present invention relates to a membership-based product purchase system that allows a specific registered member to purchase a product.
The present invention relates to a payment system, a membership-based product purchase system with a payment function, a method thereof, and a recording medium.

[0002]

2. Description of the Related Art Conventionally, when purchasing membership-based products such as cosmetics, there has been a request from a purchaser of the product to hear information about the product before making a decision on the purchase. ing. And
According to such a purchasing method, since it is possible to obtain information about the quality of the product in advance, the consumer can purchase the product with a sense of security, and the so-called word-of-mouth secures a good customer who is a fixed customer for the store. There is an advantage that can be.

[0003]

[Problems to be Solved by the Invention] However, in the conventional membership-based purchasing method, no reward (privilege) is given to a member who introduces a new member. And the number of customers was limited. For this reason, rewards have been paid to those who introduce new members, but rewards are often given only at the time of referrals, increasing the number of nominal members who are not fixed customers, and increasing actual customers. Sometimes did not contribute. In addition, there is a problem that as the number of members increases, the task of providing a reward to the introducer accordingly becomes complicated.

[0004] The present invention solves the above-mentioned problem in the membership-based product purchase system, and in such a case that a reward is given to the introducer when the referee purchases the product, and a reward is given and managed. It is an object of the present invention to provide a membership-based product purchase system, a payment system, a membership-based product purchase system with a payment function, a method thereof, and a recording medium, alleviating the above.

[0005]

In order to achieve the above-mentioned object, a membership-based product purchasing system according to the present invention comprises an existing member,
And allowing the registered member, who is a new member introduced by the existing member, to purchase a product, and associating the server device with the identification information of the registered member with the identification information of another registered member who introduced the registered member. The server device receives a purchase request for the product transmitted from a registered member who wants to purchase the product via a terminal connected to the server device. Based on the identification information of the one registered member transmitted via the terminal, searching for the identification information of another registered member who introduced the one registered member from the member information database, It is characterized in that a reward to be given to the other registered member is calculated according to the content. According to such a configuration, the identification information of each registered member is stored in association with the identification information of another registered member who is the introducer. It is possible to easily search for another registered member and reward another registered member according to the purchase of a product by one registered member. In addition, since the search for the other registered members and the calculation of the reward are performed automatically, the work of providing and managing the reward can be reduced. In particular, even if the number of members increases, the task of searching for an introducer every time a product is purchased does not become complicated, and rewards can be reliably given to the introducer. Can be increased.

It is preferable that the server device and the terminal are connected via a network. According to such a configuration, registered members can purchase products at home,
Since the store does not need to provide an actual store, it is possible to reduce sales costs and product costs. Further, it is preferable that the membership-based product purchasing system of the present invention includes the terminal. In the membership-based product purchasing system of the present invention, it is preferable that a reward calculation result database that stores the reward in association with the identification information of the other registered member is provided. According to such a configuration, it is easy to manage the reward for each registered member.

[0007] In the membership-based product purchasing system of the present invention, when the one registered member purchases the product, the server device sets the one registered member as a final referee and establishes a relationship with the referee. Searching from the member information database for the identification information of all registered members that are in the relationship of the introducer and that are rewarded according to the content of the product purchase request,
It is preferable to calculate a reward given to each of the registered members. According to such a configuration, a reward can be given not only to the other registered member who directly introduced the one registered member, but also to another registered member who introduced the other registered member. And the number of members can be increased. Further, it is preferable that the server device calculates a reward given to the one registered member in accordance with the content of the purchase request for the product. According to such a configuration, a reward can also be given to the one registered member, so that it is possible to increase the willingness to purchase a product.

The member information database stores the identification information of the one registered member and the identification information of the other registered member,
It is preferable to store the identification information of the other registered members as a tree structure with the root side. According to such a configuration, the search efficiency of the identification information of another registered member is improved. Preferably, the tree structure comprises a binary tree structure. According to such a configuration, the search efficiency of the identification information of another registered member is further improved. When three or more new members are introduced from the other registered members, the data position corresponding to the identification information of the third and new members is the data corresponding to the identification information of the first or second newly registered member. It is preferable that they are arranged continuously without branching from the position. According to such a configuration, the data structure is simplified, so that the data capacity can be reduced. It is preferable that the server device transmits, to the terminal, a reward given to the corresponding registered member when the request for viewing the reward is made by specifying the identification information of the registered member from the terminal. According to such a configuration, each registered member can easily know his or her reward.

According to the membership-based product purchasing method of the present invention, a process of receiving a purchase request for the product by one registered member who wants to purchase the product and searching for another registered member who has introduced the one registered member are performed. And a step of calculating a reward to be given to the other registered member according to the content of the purchase request for the product. Also, the membership-based product purchasing method of the present invention includes a step of receiving a purchase request for the product by one registered member who wants to purchase the product, and identifying information of another registered member who introduced the one registered member. A step of searching for the identification information of the other registered member based on the identification information of the one registered member stored in association with the other registered member; Calculating a reward to be paid.

[0010] The settlement system according to the present invention includes a settlement means connected to the server device via a network or a communication line, and deposit information of an account assigned to one main account and for each registered member. A deposit information management system for managing and reflecting a credit transaction amount by a credit card or a debit card issued corresponding to each sub-account to the deposit information every time a credit transaction occurs, wherein the settlement means comprises: The reward transmitted from the device and given to the required registered member is converted into cash at a predetermined conversion rate, and the deposit information management system adds the cash equivalent to the required registered member sub-account. I do. According to such a configuration, the reward converted into cash can be applied to the settlement account of the credit card or the debit card, and the convenience in using the reward can be improved. The settlement method of the present invention includes:
The process of converting the remuneration given to the required registered members into cash at a predetermined conversion rate, and for one main account,
In addition, the cash equivalent is added to the required registered member's account among accounts allocated to each registered member and settled for a credit transaction by a credit card or a debit card of the registered member.

[0011] A membership-based product purchase system with a settlement function according to the present invention includes the membership-based product purchase system and the settlement system. A membership-based product purchasing method with a settlement function according to the present invention includes the membership-based product purchasing method and the settlement method. A computer-readable recording medium that records a program for causing a computer to execute the membership-based product purchasing method of the present invention includes a process of receiving a purchase request for the product by a registered member who intends to purchase the product; A process of searching for the identification information of the other registered member based on the identification information of the one registered member stored in association with the identification information of the other registered member who introduced the one registered member; Calculating a reward to be given to the other registered member in accordance with the content of the request.

[0012]

Embodiments of the present invention will be described below with reference to the drawings. FIG. 1 is a block diagram showing the configuration of an embodiment of a membership-based product purchase system according to the present invention, in which a system for purchasing a product in an office 10a serving as a sales store, that is, a terminal for inputting a purchase request for a product, The included system is shown. In the figure, the secretariat (membership product purchase system) 10a includes a server device 2a, a member information database 4a, and a reward calculation result database 6
a, terminals 8a, 8a. Further, in this embodiment, the secretariat 10a further stores the product information database 1
2a, a reward conversion information database 14a, and a product purchase result database 16a.

Each registered member 40a, 42a who has entered the office 10a purchases a product using the terminals 8a, 8a, and obtains a reward (point) to be described later according to the purchase amount and the like. Has become. Here, registered member 4
2a indicates a member (existing member) who introduced the registered member 40a, and the registered member 40a indicates a member (new member) introduced by the registered member 42a. In the present invention, "purchase of goods" refers to not only goods that are physical,
This includes receiving services. or,
The “reward” is a point (point) given according to the content of the product request (for example, the purchase amount), and can be exchanged for various products, services, discounts, deposits, purchase tickets, and the like at a predetermined conversion rate. Benefits are obtained.

The server device 2a is connected to a settlement company 30 via a communication line 110, and the settlement company 30 performs a settlement operation when purchasing a product. In this embodiment, the settlement company 30 has communication lines 140, 15 respectively.
0 and 160, it is connected to the card company 50, the bank 20, and the deposit information management system 90, so that products can be purchased at the secretariat 10a using a credit card. You may. The settlement process will be described later. Also, each registered member 40a, 4
2a is a virtual store 60, 62, connected to the Internet 100 using credit cards 80a, 82a.
Various credit transactions can also be performed in the actual store 70, which is a member store of the card company 50, and a virtual store 64, which is a member store of the debit card, and a real store, using a predetermined debit card instead of a credit card. Various margin transactions may be conducted at 72, which are also described below.

Next, the contents of processing when the registered member (new member) 40a purchases a product in the membership-based product purchasing system of FIG. 1 will be described with reference to FIG. 2 and FIG.
FIG. 2 is a flowchart in which the registered member 40a purchases a product using the terminal 8a. PC (personal computer) having input means and display means (screen) as the terminal 8a
Etc. can be used. First, the registered member 40a receives identification information (member ID (Identificatio) assigned in advance.
n)) is input to the terminal 8a (A10). This identification information is given by the introduction of the registered member 42a who is an existing member. For example, the identification information may be obtained by inputting the identification information of the existing member who is the introduction source on the terminal 8a. Alternatively, the identification information of the member who has already been introduced may be obtained off-line by using a predetermined membership sheet in which the information is described in advance. In addition, as the identification information, the member I
A password or the like may be used in addition to D.

The server 2a collates the member ID transmitted from the terminal 8a with the member ID stored in the member information database 4a in advance, and authenticates the registered member (A12). If they match, the server device 2a calls up the screen information used for the product purchase request from the product information database 12a and causes the terminal 8a to display the screen information,
A product purchase request is accepted (A14). Registered member 40a
Selects a product based on the product purchase screen, inputs a purchase request (order) including, for example, the product name, the number, and the settlement method from the terminal 8a (A16), and further specifies the number of the credit card 80a, for example. Then, a confirmation button is selected to input a payment confirmation (A18). The server device 2a transmits the credit card number and the information on the purchase request transmitted from the terminal 8a to the settlement company 30 and requests authentication (A20). And the settlement company 30
It is determined whether or not payment is possible based on the authentication result (A22). If payment is possible, an end screen is displayed on the terminal 8a, and if payment is not possible, a message to that effect is displayed on the terminal 8a. Further, the server device 2a stores the content of the purchase request in the product purchase result database 16a in association with the member ID of the registered member 40a (A24).

FIG. 3 shows a screen displayed on the terminal when a product is purchased based on the above processing. First,
On the initial screen (top page), a member or a non-member is selected (FIG. 3A). Members can use the login page
Enter a predetermined member ID and password (Fig. 3
(B)), the display shifts to the purchase top page, and a product group can be selected (FIG. 3 (c)). Here, “beautyNet product” regarding cosmetics is selected. Then, a product browsing page on which specific products are displayed appears (FIG. 3).
(D)), when a desired product is selected on this screen, a purchase product page introducing the contents of the selected product appears (FIG. 3 (e)). On this page, information such as the price of the product and the reward (point) given to the purchaser is described. If the user wants to purchase this product, select the "shopping cart" field on the screen, and a shopping cart confirmation page (FIG. 3 (f)) appears, and the price, name, points, etc. of the product are displayed. To approve the purchase with this content, select the "Cashier" field on the screen and move to the checkout page (FIG. 3 (g)). On the checkout page, a price (total amount when a plurality of purchases are made), a product name, points (total number), a destination of the product, and the like are displayed, and a settlement method can be designated. Here, if "card payment" is selected, it will move to a card payment confirmation page (FIG. 3 (i)). After confirming the total amount displayed on the screen, entering the card number and selecting the "purchase" column, the settlement is performed, and when the settlement is approved, an end page appears (FIG. 3 (j)).

On the other hand, when canceling the purchase of a product,
When the "purchase cancellation" column is selected in (f), a cancellation confirmation page appears (FIG. 3 (h)). Here, the "end" column can be selected to move to the end page. Also, when the "Continue Shopping" column is selected on the cancellation confirmation page, FIG.
To the product browsing page, and can purchase the product. The shopping cart confirmation page (Fig. 3
In (f)), even if the "next shopping" column is selected, the user can go to the product browsing page in the same manner.

Next, the processing for calculating the reward will be described.
In the present invention, a reward is given to a member (the registered member 42a or the like) who introduced the purchaser (the registered member 40a) in accordance with the purchase of the product. Therefore, it is necessary to clarify and store the relationship between the introducer and the introduced person in advance. FIG. 4 shows a data structure when the member ID of each registered member is stored in the member information database 4a as a binary tree structure. Hereinafter, a method of configuring the member information database 4a will be described with reference to FIG.

Note that the binary tree structure is a kind of tree structure, and data (member I
D) can be searched efficiently, but is not limited to this. Member I can be searched using a relational database or the like.
Of course, D may be stored. Here, since the tree structure is configured to search while comparing the size of data placed in each node, each member ID is assigned to a predetermined node on the tree in association with a predetermined numerical value. It has become.

In this figure, first, a root member 46a (ID number 00007) from which all registered members are introduced.
0) is arranged at the root of the tree structure. And
Members 44a, 44 introduced by root member 46a
b is arranged at each of the upper and lower nodes branched from the node of the root member 46a. Next, the new member 42a (I) introduced by the member 44a (ID number 000080).
D number 000009) is allocated to one of the upper and lower nodes branched from the node of the member 44a. Similarly,
The member 40a (ID number 000100) introduced by the member 42a (ID number 000009) is
Is arranged at one of the upper and lower nodes branching from the node to form a tree structure. In the case of a binary tree, since each node has only two branches, if one member introduces three or more new members, as shown in FIG. Member of 42
w, 42x, 42y and 42z, two members 42w and 42
x may be arranged, and the remaining members 42y and 42z may be arranged in a row behind the node of the member 42x.

The process of searching for a purchaser and an introducer of the purchaser using the member information database 4a is as follows. First, the server device 2a is a member 4 that is a purchaser.
The numerical value assigned on the node to the member ID 0a is compared with the numerical value assigned to the root member 46a.
If the numerical value of 0a is smaller, the numerical value is then compared with the numerical value associated with the member 44a of the node on either side (in this case, the lower side) branched from the node of the root member 46a. On the other hand, if the numerical value of the member 40a is larger than the numerical value of the root member 46a, the numerical value of the member 40a is compared with the numerical value assigned to the member 44b of the upper node that branches off from the node of the root member 46a. Similarly, the value of the member 40a is compared with the value on the node while moving to the right node in the same manner. When the value of the member 40a matches the value on the node, the node is changed to the member on the tree. 40a (ID
) Data position.

In the course of the above processing, the server device 2
a is a member 42 who directly introduced the member 40a who is the purchaser.
a, the member 44a who introduced the member 42a, and the member 44a
Is associated with the member 42a as the first introducer, the member 44a as the parent of the member 42a as the second introducer, and the member 46a as the parent of the member 44a as the third introducer. These persons are persons who receive a reward according to the purchase content of the member 40a. It should be noted that which level (first introducer, second introducer...) The reward is given to the introduction member can be determined as appropriate.
In this example, since the member 46a is a root member,
There is no fourth introducer.

Next, regarding the procedure for calculating the reward,
This will be described with reference to FIG. FIG. 5 is a conceptual diagram showing a processing procedure of reward calculation performed by the server device 2a.
First, the server device 2a stores the product purchase result database 1
Read predetermined product purchase data D1 from 6a (B1
0). In the merchandise purchase result database 16a, the contents of the merchandise purchase request are recorded in a record format for each purchase, for example. Each record has a field F1 for recording the member ID of the purchaser and a field for recording the purchase contents. F2
F4 is included. Here, for example, a product name is recorded in a field F2, a purchase amount is recorded in a field F3, and a purchase date is recorded in a field F4. The calculation of the reward may be performed, for example, every time a product is purchased, or may be performed after purchase data for one day is accumulated.

Next, the server device 2a uses the purchaser's member ID (No. 000100) included in the data D1 as a key to search the member information database 4a from the member information database 4a through the above-described search procedure, and other members who have introduced this member. The ID of the member is searched (B12). Specifically, ID: 000100 as the purchaser and I as the first introducer
D: 000009, the second introducer ID: 000080
No. is searched for the third introducer ID: 000070.

Next, the server 2a reads the reward conversion information database 14a (B14). A conversion formula for calculating a reward is recorded in the reward conversion information database 14a as a table for each rank of the introducer. Here, the conversion formula is, for example, the purchase price of the product (field F
3) and the rank of the introducer. Therefore, the server device 2a stores the data D1 and
Based on the search result for the introducer ID and the reward conversion information database 14a, a reward to be given to each introducer can be calculated (B16). In this case, for example, the reward given to the second introducer (ID: 000080) is
Based on the above conversion formula, it becomes “5000 × ☆ / 100” (point). Further, the reward calculated in this way is stored in the reward calculation result database 6a in association with the member ID. The place where the reward given to each registered member is stored is not limited to the reward calculation result database 6a. For example, the member information database 4a
May be stored in a predetermined area.

The reward can be viewed by inputting a member ID from the terminal 8a, and each registered member can easily know his / her reward. The reward can be exchanged for a prize at a predetermined conversion rate or used for a discount at the time of purchasing the product at the secretariat 10a. However, in the following settlement system, the balance of the credit or debit card account It is preferable to apply to.

Returning to FIG. 1, the payment system of the present invention using a credit card will be described. This settlement system comprises a settlement company 30 and a deposit information management system 9
0, and the deposit information management system 90
0 is connected to the bank 20 via the communication line 1
It is connected to the card company 50 via 70. Here, the card company 50 performs credit card issuance and management operations. The bank 20 is a financial institution mainly engaged in receiving deposits, margin exchange transactions, and the like, and furthermore, with respect to a cash card used for depositing and withdrawing a deposit of an opened account. It provides a function of issuing a credit card with the function of a credit card that uses the account as a settlement account.

The deposit information management system 90 has at least one account in the bank 20 and obtains, via the communication line 180, the same latest information as the bank 20 about the balance information of the account. Then, the deposit information management system 90 manages the sub-accounts 22, 24... Corresponding to the plurality of (main) accounts of the bank 20 using a control device (not shown), and reduces the number of sub-accounts. The number of credit cards 80a, 80 corresponding to
b .... is received from the bank 20. Here, the sub-accounts 22 and 24 are allocated to the registered members 40a and 40b, and credit cards 80a and 80b corresponding to the sub-accounts 22 and 24 are distributed to each registered member. Then, by using the settlement system described above, as shown in FIG. 6, the reward given to the registered member who is the introducer is converted into cash and added to a predetermined sub-account. In the following description, the conversion processing of the reward given to the registered member 42a among the persons who introduced the purchasers will be described, but the conversion processing of the reward given to the other registered members 44a, 46a and the like is also the same. Therefore, the description thereof is omitted.

In this figure, first, the member ID and reward of the registered member 42a are transmitted from the server device 2a to the settlement company 30 (C10). The settlement company 30 converts the reward into cash at a predetermined conversion rate. In this case, the cash conversion may be appropriately performed in accordance with the currency of the country to which the bank 20 belongs based on a predetermined exchange rate. The settlement company 30 instructs the deposit information management system 90 to add the cash equivalent to the sub-account 24 of the registered member via the bank 20 (C12). Deposit information management system 90
Increases the balance of the sub-account 24 according to this instruction.

As described above, by converting the reward into cash and allocating the cash to the corresponding sub-account 24, the usage balance of the credit card 82a of the registered member 42a increases, and the credit card 82 At the stores 60 and 62, the actual store 70, or the secretariat 10a, predetermined products can be purchased as follows.

For example, when purchasing a product at the virtual store 60 using the credit card 82a, the following settlement processing is performed. First, when the registered member 42a transmits a purchase request for a product together with the authentication information of the credit card 82a to the virtual store 60 from a predetermined terminal, the virtual store 60 transmits the information to the settlement company 30 and requests authentication. The settlement company 30 obtains the balance information of the sub-account 24 corresponding to the credit card 82a from the bank 20, performs authentication based on the information, and notifies the virtual store 60 of the result. The virtual store 60 transmits the authentication result to the registered member 42a and requests the payment company 30 to pay the margin transaction amount. The settlement company 30 notifies the bank 20 of the credit transaction amount. The bank 20 transmits to the deposit information management system 90 an instruction to subtract the amount corresponding to the margin transaction amount from the sub-account 24. Deposit information management system 9
0 updates the deposit information of the subaccount and pays the margin transaction amount to the virtual store 60. When the virtual store 60 has a sub-account in the deposit information management system 90,
The balance corresponding to the margin transaction amount may be transferred from the purchaser's sub-account to the virtual store 60 sub-account.

When purchasing goods at the virtual store 62, the card company 50 authenticates the settlement instead of the settlement company 30, and the virtual store 62 requests the card company 50 to pay the credit transaction amount. I do. The card company 50 notifies the bank 20 of the margin transaction amount. The bank 20 sends an instruction to the deposit information management system 90 to subtract the amount corresponding to the purchase amount from the sub-account 24, and the deposit information management system 90 updates the deposit information of the sub-account and sends the instruction to the virtual store 62. To pay the margin transaction amount.

On the other hand, when purchasing a product at the store 70, the registered member 42a requests a product purchase at the store and presents the credit card 82a. The store 70 sends the credit transaction amount and the authentication information of the credit card to the card company and requests authentication. The card company 50 obtains the balance information of the account corresponding to the credit card from the bank 20, performs authentication, and notifies the store 70 of the result. Store 70
Delivers the product to the registered member 42a and requests the credit card company 50 to pay the margin transaction amount. The card company 50 notifies the bank 20 of the margin transaction amount. The bank 20 sends an instruction to the deposit information management system 90 for subtracting the amount corresponding to the purchase amount from the sub-account 24, and the deposit information management system 90 updates the deposit information of the sub-account to the store 70. Make a margin transaction payment.

The settlement for the registered member 40a who purchased the product can be processed by, for example, paying cash or transferring money at the secretariat. However, if the above settlement system is used, the reward obtained by the registered member can be paid in cash. This is convenient because it is possible to integrate the account for the conversion and the account for purchasing products at the secretariat. FIG. 7 is a flow chart for performing the payment processing of the purchaser himself using the payment system of the present invention. First, when the registered member 40a purchases a product, a product purchase request is transmitted from the server device 2a to the payment company 30 together with payment authentication information (credit card number) (D10). The settlement company 30 determines whether or not the authentication information is correct, inquires the balance information of the sub-account 22 of the registered member 40a to the bank 20 (D12), and obtains the balance information from the bank 20 (D1).
4). The settlement company 30 compares the result with the product purchase request, and if the balance of the sub-account 22 is equal to or greater than the purchase amount,
Alternatively, if it is within the credit limit of the credit card, the server 2a is instructed to authenticate the settlement (D16),
0 is notified of the credit transaction amount (D18). Bank 20
Records the margin transaction amount and transmits the margin transaction amount to the deposit information management system 90 (D2).
0). The deposit information management system 90 uses the sub account 2
2, the credit transaction amount is subtracted, and the deposit information of the sub-account 22 is updated. If the balance information of each sub-account exceeds the margin transaction amount, the status is notified to the settlement company 30 via the bank 20 and the settlement company 30
Transmits an instruction to invalidate the credit transaction to the server device 2a.

Next, a payment system using a debit card will be described. The payment system is basically the same as that of a credit card, and can be described with reference to FIG. Returning to FIG. 1, the present payment system includes the same payment company 30 ′ and a deposit information management system 90 ′ as in the case of a credit card. However, the deposit information management system 90 'has at least one account for use in settlement of the debit card in the bank 20 separately from the credit card account, and stores information such as the balance of the account via the communication line 180. Get. Here, the “debit card” is given along with the cash card used when depositing and withdrawing an account from an account opened at a bank or the Ministry of Posts and Telecommunications (a function of cash card). None), issued by the financial institution itself, and within the range of the deposit balance of the settlement account of the debit card, credit transactions can be performed at the member store of the debit card. Although the case where the bank 20 issues a debit card will be described below, the case where the Ministry of Posts and Telecommunications issues a debit card can be similarly described by replacing the bank 20 with the Ministry of Posts and Telecommunications.

The deposit information management system 90 'is similar to the case of a credit card.
A sub-account corresponding to one obtained by dividing a debit card account opened at the bank 20 into a plurality within 0 'is formed, and a debit card (not shown) is issued from the bank based on the information of each sub-account. . Note that the deposit information management system 90 'has a credit card account and a debit card account at the bank 20, so that one side can make a payment with a credit card and the other side can make a payment with a debit card.

Then, as in the case of the credit card shown in FIG. 6, the reward given to the registered member 42a is converted. That is, the member ID and the reward are transmitted from the server device 2a to the settlement company 30 ', and the settlement company 30' converts the compensation into cash at a predetermined conversion rate, and sends the compensation to the deposit information management system 90 'via the bank 20. Sub account 2 corresponding to the debit card of the registered member 42a
Instruct 4 'to add the cash equivalent. The deposit information management system 90 'increases the balance of the sub-account 24' according to this instruction. Using the debit card whose usage balance has been increased in this way, the merchandise can be purchased at the virtual store 64, the real store 72, or the secretariat 10a, which is a member of the debit card, as follows.

For example, when purchasing a product at the virtual store 64 using a debit card, the following settlement processing is performed. First, when the registered member 42a transmits a purchase request for a product together with debit card authentication information (a password) from a predetermined terminal to the virtual store 64, the virtual store 60 sends these requests directly to the bank 20 without going through the settlement company 30 '. Send information and request authentication. The bank 20 obtains the balance information of the sub-account 24 ′ corresponding to the debit card, performs authentication based on the information, and notifies the virtual store 64 of the result. The virtual store 64 sends the authentication result to the registered member,
The bank 20 is requested to pay the margin transaction amount. Bank 20
The deposit information management system 90 'transmits an instruction for subtracting the amount corresponding to the margin transaction amount from the sub-account 24' to the deposit information management system 90 ', and the deposit information management system 90' updates the deposit information of the sub-account to the virtual store 64. To pay the margin transaction amount.

On the other hand, when the merchandise is purchased at the store 72 using a debit card, the registered member 42a requests the merchandise purchase at the store and presents the debit card. The store 72 sends the credit transaction amount and the authentication information of the debit card to the bank 20 and requests the bank 20 for authentication directly. The bank 20 acquires the balance information of the account corresponding to the debit card, performs authentication, and notifies the store 72 of the result. The store 72 delivers the product to the registered member and requests the bank 20 to pay the margin transaction amount. The bank 20 transmits an instruction for subtracting the amount corresponding to the purchase amount from the sub-account 24 ′ to the deposit information management system 90 ′, and the deposit information management system 90 ′ updates the deposit information of the sub-account and updates the store 72 Pay the margin transaction amount. The transaction information from the stores 64 and 72 is transferred to the bank 20 via a relay center (for example, CAFIS (registered trademark)) or the like.
May be transmitted and received.

Payment to the registered member 40a who purchased the product can be performed by the above-described payment system in the same manner as in FIG. However, the point that the settlement process is performed by the bank 20 is different from the case of the credit card. First, when the registered member 40a purchases a product, the server device 2
The settlement authentication information and the product purchase request are transmitted from a to the settlement company 30 ′, but the settlement company 30 ′ passes the information to the bank 20 without performing the authentication. The bank 20 has the registered member 40
The balance information of the sub-account 22 'corresponding to the debit card of a is obtained, and if the balance of the sub-account 22' is equal to or more than the purchase amount, the server device 2a is notified that the settlement is authenticated and the credit transaction amount is recorded. At the same time, the credit transaction amount is transmitted to the deposit information management system 90 ′. The deposit information management system 90 'updates the deposit information of the sub-account 22' by subtracting the margin transaction amount from the sub-account 22 '. Note that another line may be provided to directly connect the server device 2a and the bank 20, and information may be transmitted and received between the server device 2a and the bank 20 without going through the settlement company 30 '.

In addition to the above, credit cards and debit cards possessed by each registered member can be transferred to a member store corresponding to each card, or to a predetermined AT provided in a bank 20 or a post office.
It is also possible to cash back the reward by inserting the account into an M (automatic teller machine) and cashing out the used balance of the account.

In the above-described embodiment, a system in which a terminal is installed in the secretariat 10a and a product is purchased in the secretariat 10a has been described. However, by connecting the server device and the terminal via the Internet, It is also possible to provide a non-store purchase system in which a registered member can perform a product purchase procedure at home. FIG. 8 is a configuration block diagram showing an embodiment of a membership-based product purchase system using the Internet.

In this figure, a membership-based product purchase system (purchase site) 10b includes a server device 2b connected to the Internet 100, a member information database 4b, a reward calculation result database 6b, and a product information database 1
2a, a reward conversion information database 14a, and a product purchase result database 16a, and constitute a purchase site as a whole. Server device 2b which is a Web server
Stores a home page for product introduction and payment input. Each registered member connects a terminal 8b such as a PC (personal computer) incorporating a WWW (World Wide Web) browser to the Internet 100, and sets a predetermined UR.
By specifying L (Uniform Resource Locator),
The user can access the server device 2b to browse the above-mentioned homepage and perform a product purchase procedure. Note that, instead of the Internet 100, for example, a LAN (Local Area N)
The server device 2b and the terminal 8b may be connected to each other using, for example, an ETwork. In addition, specific merchandise purchase procedures and reward calculation processing are the same as those in the case of the above-described secretariat 10a, and thus description thereof is omitted.

[0045]

As described above, according to the membership-based merchandise purchase system of the present invention, the identification information of each registered member is stored in association with the identification information of another registered member who is the introducer. Every time one registered member purchases a product, another registered member who is an introducer can be easily searched, and a reward can be given to another registered member according to the purchase of the product by one registered member. In addition, since the search for the other registered members and the calculation of the reward are performed automatically, the work of providing and managing the reward can be reduced.

In particular, even when the number of members increases, the task of searching for an introducer every time a product is purchased does not become complicated.
Since a reward can be surely given to the introducer, it is possible to increase motivation to introduce and increase the number of members.

Further, when the server device and the terminal are connected via a network, the member can purchase the goods at home, and the store does not need to set up an actual store. Can be reduced.

[Brief description of the drawings]

FIG. 1 is a configuration block diagram illustrating an embodiment of a membership-based product purchase system according to the present invention.

FIG. 2 is a flowchart showing a procedure for purchasing a product.

FIG. 3 is an explanatory diagram of a screen showing a purchase procedure of a product.

FIG. 4 Member ID stored in the member information database
FIG. 3 is a schematic diagram showing a data structure of FIG.

FIG. 5 is a conceptual diagram showing a procedure for calculating a reward.

FIG. 6 is a flowchart showing a process of converting a reward into cash.

FIG. 7 is a flowchart showing a settlement process when purchasing a product.

FIG. 8 is a configuration block diagram illustrating an embodiment of a membership-based product purchase system of the present invention using the Internet.

[Explanation of symbols]

2a, 2b Server device 4a, 4b Membership information database 6a, 6b Reward calculation result database 8a, 8b Terminal 10a, 10b Membership product purchase system (secretariat, purchase site) 12a, 12b Product information database 14a, 14b Reward conversion information database 16a, 16b Product purchase result database 22, 22 ', 24, 24' (Sub) account 30, 30 'Settlement company 40a, 42a, 42w, 42x, 42y, 42z, 4
4a, 44b, 46a Registered members 90, 90 'Deposit information management system 100 Internet

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) G06F 17/60 330 G06F 17/60 330 400 400 17/30 110 17/30 110F 150 150B 170 170Z (72) Inventor Fumi Sato 1-16-7 Dogenzaka, Shibuya-ku, Tokyo F-term in Ivy Web Co., Ltd. 5B049 BB11 BB46 CC05 CC08 CC39 DD01 DD05 EE01 EE05 FF03 FF04 FF09 GG04 GG07 5B055 BB20 CB09 CB10 CC10 EE03 EE05 FA01 FB03 HA04 KK01 KK12 KK17 KK19 PA05 PA34 PA38 5B075 KK03 KK07 KK13 KK33 KK37 KK43 KK54 KK63 ND03 ND23 ND35 NK10 NK13 NK24 NR02 NR12 PP03 PP13 PP30 PQ02 QS11 UU40

Claims (17)

[Claims] 1. A membership-based product purchase system that allows a registered member, including an existing member and a new member introduced by the existing member, to purchase a product, comprising: a server device; and identification information of the registered member. And a member information database that stores the information in association with the identification information of other registered members who have introduced the registered member. The server device connects to the server device from one registered member who wants to purchase the product. Receiving the purchase request for the product transmitted through the terminal, and based on the identification information of the one registered member transmitted via the terminal, the other registered member who introduced the one registered member. A member-based product purchase system for retrieving identification information from the member information database and calculating a reward given to the other registered member in accordance with the content of the product purchase request. Stem. 2. The membership-based merchandise purchasing system according to claim 1, wherein the server device and the terminal are connected via a network. 3. The membership-based merchandise purchase system according to claim 1, wherein the system includes the terminal. 4. The membership-based merchandise purchasing system according to claim 1, further comprising a reward calculation result database that stores the reward in association with the identification information of the other registered members. 5. When the one registered member purchases the product, the server device sets the one registered member as a final referee and has a relationship between the referral and the introducer; Claims characterized in that the member information database is searched for the identification information of all registered members to which a reward according to the content of the product purchase request is given, and the reward given to all the registered members is calculated. Item 5. A membership-based product purchase system according to any one of Items 1 to 4. 6. When the one registered member purchases the product, the server device calculates a reward given to the one registered member according to the content of a purchase request for the product. The membership-based product purchase system according to any one of claims 1 to 5. 7. The member information database stores the identification information of the one registered member and the identification information of the other registered member as a tree structure with the identification information of the other registered member as a root side. 7. The method according to claim 1, wherein
Membership product purchase system described in any of the above. 8. The membership-based merchandise purchasing system according to claim 7, wherein the tree structure is a binary tree structure. 9. When three or more new members are introduced from the other registered member, the data position corresponding to the identification information of the third and new members is the identification of the first or second newly registered member. 9. The membership-based product purchasing system according to claim 8, wherein the components are arranged continuously without branching from a data position corresponding to the information. 10. When the terminal specifies the identification information of the registered member and makes a request to view the reward, the server device transmits the reward given to the corresponding registered member to the terminal. The membership-based product purchase system according to any one of claims 1 to 9, wherein: 11. A membership-based product purchasing method that allows a registered member, including an existing member and a new member to be introduced by the existing member, to purchase a product, wherein the registration is for purchasing the product. A step of receiving a purchase request of the product by a member; a step of searching for another registered member who has introduced the one registered member; and a step of granting the another registered member according to the content of the request for purchase of the product. Calculating a reward. 12. A membership-based product purchasing method for allowing a registered member, who is an existing member and a new member introduced by the existing member, to purchase a product, wherein the registration is for purchasing the product. Receiving a purchase request for the product by a member; and identifying the other registered member based on the identification information of the one registered member stored in association with identification information of the other registered member who introduced the one registered member. A method for purchasing a membership-based product, comprising: searching for the identification information of the registered member; and calculating a reward to be given to the other registered member according to the content of the purchase request for the product. 13. A settlement system used in the membership-based merchandise purchase system according to any one of claims 1 to 10, wherein: a settlement unit connected to the server device via a network or a communication line; Manages the deposit information of the sub-account assigned to the account and for each registered member,
A deposit information management system for reflecting a credit transaction amount issued by a credit card or a debit card issued in correspondence with each sub-account on the deposit information every time a credit transaction occurs, wherein the settlement means transmits from the server device. And converting the reward given to the required registered member into cash at a predetermined conversion rate, wherein the deposit information management system adds the cash equivalent to a sub-account of the required registered member. . 14. A settlement method used in the membership-based product purchasing method according to claim 11 or 12, wherein a reward given to a required registered member is converted into cash at a predetermined conversion rate. Of the sub-accounts that are assigned to the main account and for each registered member and become a credit card or debit card settlement account of the registered member,
A settlement method comprising adding the cash equivalent to the required registered member sub-account. 15. A member-based merchandise purchase system with a settlement function, comprising the membership-based merchandise purchase system according to any one of claims 1 to 10 and the settlement system according to claim 13. 16. A membership-based product purchasing method with a settlement function, comprising the membership-based product purchasing method according to claim 11 or 12, and the settlement method according to claim 14. 17. A computer-readable program storing a program for causing a computer to execute a membership-based product purchasing method that allows a registered member, an existing member and a new member introduced by the existing member, to purchase a product. A process for receiving a purchase request for the product by one registered member who intends to purchase the product; and storing the process in association with identification information of another registered member who introduced the one registered member. A process of searching for the identification information of the other registered member based on the identification information of the one registered member, and calculating a reward given to the other registered member in accordance with the content of the purchase request for the product And a recording medium.