JP2002312582A - Electronic document issuing system and privilege giving method in the same system and program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an electronic document issuing system capable of increasing the benefits of a customer accompanied with his or her reception of the electronic issue of a document by a portable information terminal such as a portable telephone, and promoting the improvement of a guest collecting power and the spread of the electronic issue of a document. SOLUTION: At the time of electronically issuing a document such as a transaction report to be issued to a customer accompanied with security transaction through the Internet 10 and a telephone company 20 to a portable telephone 40, an electronic document issuing device 100 gives discount points to the customer, and accumulatively stores the points. At executing the settlement of the call charge of the portable telephone 400, a settlement device 200 inquires of the electronic document issuing device 100 about the number of discount points, and transfers a sum corresponding to the number of discount points from an account 283 of a stock company to an account 282 of the telephone company, and transfers a balance obtained by discounting the sum from an account 281 of the customer to the account 282 of the telephone company.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an electronic document issuing system for issuing a predetermined document accompanying a transaction to a customer through a communication line, a method for giving a privilege in the electronic document issuing system, and a computer comprising the electronic document issuing system. And a program that functions as each device that performs the operation.

[0002]

2. Description of the Related Art In recent years, electronic commerce of securities such as stocks, bonds, and investment trusts has been carried out through the Internet. Transaction reports, prospectuses, and other documents that accompany transactions have also been sent by conventional mail. Instead of delivery, electronic delivery by e-mail or download is being performed.

[0003]

[Problems to be Solved by the Invention] If the delivery of a transaction report and the delivery of a prospectus, which were carried out by mail or the like, are carried out electronically through the Internet, not only the delivery cost is reduced, but also it is convenient for customers. There is an advantage that performance is improved. However, electronic delivery of transaction reports and the like places a burden on customers in some respects. For example, if it is desired to view the electronically-issued document later on paper, it is necessary to print it out.
Therefore, simply building a system that can electronically issue transaction reports and prospectuses will not only increase the ability to attract customers,
It is expected that widespread use of electronic grants will be difficult.

Further, since a telephone company provides a service for connecting a portable information terminal to the Internet, a portable electronic terminal such as a portable telephone can receive a document electronically. It is desired to promote electronic delivery using such methods.

SUMMARY OF THE INVENTION The present invention has been made in view of the above-described viewpoints. The present invention has been made to increase the profits of customers by receiving electronic documents from a portable information terminal such as a portable telephone, and to improve the ability to attract customers and improve the portable information. It is an object of the present invention to provide an electronic document issuing system capable of promoting the spread of electronic document issuing using a terminal, a privilege giving method in the electronic document issuing system, and a program for causing a computer to function as each device constituting the electronic document issuing system. And

[0006]

The gist of the present invention to achieve the above object lies in the following inventions. [1] In an electronic document issuing system for issuing a predetermined document accompanying a transaction to a customer through a communication line, an electronic document issuing device (100) for sending and issuing a document to the customer's portable information terminal (40) through the communication line. And a settlement device (200) for settling the communication fee of the portable information terminal (40), wherein the electronic document issuing device (100) stores discount point number storage means (1) for storing discount points for each customer.
95) and electronic delivery means (13) for delivering a prescribed document to be delivered to the customer along with the transaction to the customer's portable information terminal (40) through a predetermined computer network (10).
1) adding a predetermined value to the number of discount points stored in the discount point number storage means (195) in association with the customer to which the document is issued when the electronic issuing means (131) issues the document. Addition means (181) for updating by updating
Point notification means (132) for notifying the customer of the discount points to the settlement device (200); and the discount points used for discounting the communication charges in the settlement device (200). Point subtraction means (182) for updating by subtracting from the discount point number stored in the storage means (195), and the settlement apparatus (200)
Discounts the amount of the communication fee to be transferred from the customer's account (281) to the account for payment of the communication fee (282) according to the number of discount points notified from the electronic document delivery device (100), and the discounted amount. An electronic document delivery system comprising a discount settlement means (251) for transferring the payment from the account (283) of the document sender to the account (282) of the payee.

[2] The settlement apparatus (200) notifies the electronic document issuing apparatus (100) of the number of discount points used for discounting the communication charge to the use point number notification means (23).
The electronic document delivery system according to [1], further comprising 1).

[3] The settlement apparatus (200) transfers the communication fee of the portable information terminal (40) to the electronic document issuing apparatus (1).
00), the point notifying means (132) determines the number of discount points to be used for the current settlement based on the communication charge notified from the settlement apparatus (200). The electronic document delivery system according to [1], wherein a notification is sent to the settlement apparatus (200).

[4] The point adding means (181)
Is characterized in that the predetermined value is changed according to the document issued by the electronic issuing means (131) [1] to [1].
The electronic document delivery system according to any one of [3].

[5] The electronic granting means (131) further includes a grant history registering means (183) for registering a granting history concerning a document delivered to the customer, and the point adding means (181) is provided with the electronic granting means. When (131) has issued the document, the issuance history registration means (183) determines whether or not the currently issued document has been issued to the same customer in the past.
[1] to [4], wherein the inspection is performed on the basis of the delivery history registered in (1), and the number of discount points is updated based on this delivery if the document delivered this time has not been delivered to the same customer. ] The electronic document delivery system according to any one of the above.

[6] The document is a document accompanying a securities transaction, and at least one of a transaction report or a monthly report of securities, or an investment trust management report or a prospectus. [1]-
The electronic document delivery system according to any one of [5].

[7] The electronic issuance means (131) further includes point information indicating the number of discount points of the customer at the issuance destination, the value indicating the value added after the issuance this time, and the portable information terminal together with the document. The electronic document issuing system according to any one of [1] to [6], wherein the electronic document is transmitted to (40).

[8] The discount point storage means further stores, for each customer, the number of documents received through a communication line, and the electronic granting means (131) stores the number of receipts of the customer at the delivery destination. The point receiving means (181) further transmits, to the mobile information terminal (40) together with the document, the number-of-received information indicating the updated value accompanying the current grant. The electronic document issuing system according to any one of [1] to [7], wherein the electronic document issuance system is further updated.

[9] The electronic document issuing system according to any one of [1] to [8], wherein the portable information terminal (40) is a portable telephone.

[10] An electronic document issuing device (100) for sending and delivering a document to a customer's portable information terminal (40) through a communication line, and a settlement device (200) for settingtle the communication fee of the portable information terminal (40). ), Wherein the electronic document delivery device (100) sends a prescribed document to be delivered to the customer along with a transaction through a prescribed computer network (10). A first step of issuing to the information terminal (40), and the electronic document issuing device (100) is configured to write in the first step out of the number of discount points for each customer stored in the discount point number storage means (195). A second step of adding a predetermined value to the number of discount points of the customer who has issued and updating the discount point; A third step of notifying the settlement apparatus (200), and the electronic document issuing apparatus (100) storing the number of discount points used by the settlement apparatus (200) for discounting the communication charge in the discount point number. Means (19
A fourth step of updating by subtracting from the discount point number stored in 5), and the settlement apparatus (200) transfers the communication fee payment account (28) from the customer's account (281).
2) The amount of the communication fee to be transferred to the electronic document delivery device (100) is discounted according to the number of discount points notified from the electronic document delivery device (100), and the discounted amount is transferred from the account of the issuer of the document (283) to the payee account ( 282) a fifth step of transferring to the electronic document issuing system.

[11] The method according to [10], further comprising the step of the settlement device (200) notifying the electronic document issuing device (100) of the number of discount points used for discounting the communication fee. How to grant benefits in the electronic document delivery system.

[12] The settlement apparatus (200) further includes a step of notifying the communication fee of the portable information terminal (40) to the electronic document issuing device (100), wherein the electronic document issuing device (100) In the third step,
The privilege in the electronic document delivery system according to [10], wherein the number of discount points used for the current settlement is notified to the settlement apparatus (200) based on the communication fee notified from the settlement apparatus (200). Assignment method.

[13] The electronic document delivery according to any one of [10] to [12], wherein in the second step, the predetermined value is changed according to the document delivered in the first step. A privilege giving method in the device (100).

[14] A delivery history relating to the document delivered to the customer is registered, and in the second step, it is determined whether or not the document delivered in the first step has been sent to the same customer in the past. Inspection based on the delivery history, and when the document issued this time has not been sent to the same customer, the number of discount points based on the current delivery is updated, any of [10] to [13]. The privilege giving method in the electronic document issuing device (100) described in the above.

[15] The document is a document accompanying a securities transaction, and at least one of a transaction report or a monthly report of securities, an investment trust management report or a prospectus. [10] ~
Electronic document delivery device (100) according to any one of [14].
How to grant benefits in.

[16] In the first step, the portable information terminal (40) further includes point information indicating the number of discount points of the customer to be issued, the point information indicating the value added after the current issuance, together with the document. The privilege grant method in the electronic document issuing device (100) according to any one of [10] to [15], wherein the privilege is transmitted.

[17] The number of documents received via the communication line is further stored for each customer, and in the first step,
In the second step, the number of receipts of the customer of the delivery destination and the number of receipts information indicating the updated value accompanying this delivery are further transmitted to the portable information terminal together with the document.
The privilege granting method in the electronic document delivery device (100) according to any one of [10] to [16], wherein the number of receipts of the customer at the delivery destination is further updated.

[18] The privilege providing method in the electronic document issuing device (100) according to any one of [10] to [17], wherein the portable information terminal (40) is a mobile phone.

[19] In the computer, [10] to [1]
8] A first program for causing the electronic document issuing device (100) to execute the steps performed by the electronic document issuing device in the privilege giving method in the electronic document issuing system according to any one of [8] to [8]. Of the privilege granting method in the electronic document issuing system described in
00) a program that constitutes both or either of the second program for executing the step of performing the step (00).

[20] Change the computer from [1] to [9]
And a first program for causing the computer to function as the electronic document issuing device (100) in the electronic document issuing system according to any one of [1] to [9]. Equipment (20
A program that constitutes both or any of the second programs to function as 0).

[21] An electronic document issuing device (100) for transmitting and issuing a predetermined document accompanying a transaction to a portable information terminal (40) through a communication line, wherein the portable information terminal (4) is provided.
In the electronic document issuing system for settlement of the communication fee of (0) by the settlement device (200), the electronic document issuing device (100) includes a discount point number storage means (195) for storing a discount point number for each customer; (1) electronic delivery means (131) for delivering a predetermined document to be delivered to the customer to the portable information terminal (40) of the customer through a predetermined computer network (10).
31) Point adding means (181) for adding a predetermined value to the discount point number stored in the discount point number storing means (195) in association with the customer to which the document is issued to update the discount point number when the document is issued. And point notification means (1) for notifying the customer of the settlement apparatus (200) of the discount points.
32) and point subtraction for updating by subtracting the discount point number used for discounting the communication charge by the settlement apparatus (200) from the discount point number stored in the discount point number storage means (195). Means (182),
The settlement apparatus (200) determines the amount of the communication charge to be transferred from the customer's account (281) to the communication charge payment destination account (282) according to the number of discount points notified from the electronic document delivery apparatus (100). An electronic document delivery system, wherein a discount is made and the discounted amount is transferred from the account (283) of the sender of the document to the payee account (282).

[22] An electronic document issuing device (100) for transmitting and issuing a predetermined document accompanying a transaction to a portable information terminal (40) through a communication line, wherein the portable information terminal (4) is provided.
A privilege granting method in an electronic document issuing system for settlement of a communication fee of 0) by a settlement device (200), wherein the electronic document issuing device (100) determines a predetermined document to be issued to a customer in accordance with a transaction. First step of delivering to a personal digital assistant (40) of a customer through a computer network (10) of the present invention, and the electronic document issuing apparatus (100)
A second step of adding a predetermined value to the discount point number of the customer who has issued the document in the first step and updating the discount point number for each customer stored in the discount point number storage means (195). , The electronic document issuing device (10
0) determines the number of discount points of the customer by the payment device (20).
0), and the discount point number storage means (195) stores the number of discount points used by the electronic document issuing device (100) for discounting the communication charge in the settlement device (200). And updating the subtraction from the number of discount points stored by the payment device (200), wherein the settlement device (200) transfers the payment from the customer's account (281) to the communication charge payment account (282). The amount of the fee is discounted in accordance with the number of discount points notified from the electronic document delivery device (100), and the discounted amount is transferred from the account (283) of the document issuer to the account (2).
82) A privilege granting method in an electronic document issuing system, wherein the method is performed by transferring to (82).

The present invention operates as follows. Point adding means (181) of the electronic document issuing device (100)
When the electronic issuing means (131) transmits a document to be delivered to the customer along with the transaction to the portable information terminal (40) through a communication line such as the Internet and electronically delivers the document, the number of discount points of the customer at the delivery destination Is updated by adding a predetermined value to. The point notification means (132) notifies the payment apparatus (200) of the number of discount points of the customer at the time of payment of the communication fee or the like.

The discount settlement means (25) of the settlement device (200)
1) discounting the amount of the communication fee to be transferred from the customer's account (281) to the account (282) to which the communication fee is to be paid, according to the number of discount points notified from the electronic document issuing device (100), and discounting. The amount is transferred from the account of the document issuer to the payee account (282) of the telephone company or the like. Then, the point subtracting means (1) of the electronic document issuing device (100)
82) Updates by subtracting the discount point number used for discounting the communication charge by the settlement apparatus (200) from the discount point number stored in the discount point number storage means (195). The document delivered by the electronic document delivery device (100) is, for example, associated with a securities transaction, and is an investment trust management report, prospectus, transaction report, or the like.

As described above, when the customer uses the portable information terminal (40)
A discount point is given each time a document such as a transaction report is electronically issued by using the communication terminal, and the communication fee of the portable information terminal (40) to be paid by the customer is discounted according to the number of discount points possessed by the customer. The mobile information terminal (4
In addition to facilitating the electronic delivery of documents using 0), the ability to attract customers can be enhanced by giving the benefits.

When the number of points used for discounting the communication fee is notified to the electronic document issuing device (100) by the use point number notification means (231) of the settlement device (200), the communication fee to be settled is reduced. Even if it is lower than the amount, it is possible to subtract the discount points actually discounted. The settlement amount notifying means (232) of the settlement apparatus (200) notifies the communication fee of the portable information terminal (40) to the electronic document issuance means, and the point notifying means (132) of the electronic document issuance apparatus (100) is used for the settlement apparatus. Based on the communication fee notified from (200), the number of discount points to be used for the current payment is obtained and notified to the payment apparatus (200). Even with such a configuration, when the communication fee is lower than the discount amount, it is possible to subtract the discount point number actually discounted.

The point adding means (181) changes a predetermined value to be added according to the document issued by the electronic issuing means (131). For example, the number of points to be added is changed according to the number of pages of the document or the rating based on the importance of the document.

The delivery history registration means (183) registers the delivery history relating to the document delivered to the customer by the electronic delivery means (131), and the point adding means (181) stores the same document as the one delivered this time to the same document. Whether it has been sent to the customer or not
Inspect based on registered grant history. And
If the same document as the one issued this time has not been sent to the same customer, the discount points will be added and updated based on this issuance. Thus, it is possible to prevent illegal addition of the discount points due to the same customer receiving the same document electronically many times.

In the case of transmitting the point information and the number of receipts together with the written data from the electronic document issuing device (100) to the portable information terminal (40), the number of discount points and the number of receipts are displayed on the display of the portable information terminal (40). Can be displayed. In this way, by notifying the customer of the number of discount points and the number of receipts, the customer's sense of expectation for privilege acquisition can be stimulated, the next order can be invited, and the electronic delivery can be further promoted.

[0035]

DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, an embodiment of the present invention will be described.
This will be described with reference to the drawings. FIG. 1 shows a system configuration of electronic document issuing systems 100 and 200 according to an embodiment of the present invention. Electronic writing grant system 100,
Reference numeral 200 denotes an electronic document issuing device 100 and a settlement device 200. The electronic document issuing device 100 and the settlement device 200 are connected to each other via the Internet 10, which is one of computer networks. A communication control device 21 of a telephone company 20 is connected to the Internet 10. A large number of base stations 30 distributed and connected to the communication control device 21 are connected, and a mobile phone 40 as a portable information terminal of a customer is connected to the nearest base station 30 by wireless communication. The telephone company 20 has a function as an Internet service provider, and the mobile phone 40 includes the base station 30 and the communication control device 2.
1, the Internet 10 can be accessed.

The electronic document issuing device 100 forms a part of an electronic commerce device 100a of a securities company, and is connected to a host computer 51 of the stock exchange 50 through a dedicated line 60. The electronic commerce device 100a has various functions (home trade function) for electronic commerce of securities such as stocks, bonds, and investment trusts through the Internet 10. The customer can access the e-commerce device 100a from the mobile phone 40, a terminal at home, or the like to conduct securities transactions. Further, the customer can use the electronic document issuing device 100 from the mobile phone 40 through the Internet 10.
, And can receive electronic delivery of a document such as a transaction report from the electronic document delivery device 100. The electronic document issuing device 100 gives a predetermined number of discount points to the customer every time the document is electronically issued to the mobile phone 40 of the customer.

The settlement apparatus 200 is installed in a financial institution or the like and has a function of managing a customer account 281, an account 282 of a telephone company to which a communication fee is paid, and an account 283 of a securities company. ing. The settlement apparatus 200 transfers the telephone charge to the customer's account 28 in response to a request from the telephone company 20.
When remittance from 1 and remittance to the telephone company account 282, the amount corresponding to the discount point of the customer is discounted, and the discount amount is transferred from the securities company account 283 to the telephone company account 282. I have.

FIG. 2 shows the configuration of an electronic commerce device 100a including the electronic document issuing device 100. The electronic commerce device 100a includes a server 110 and a host computer 150. An authentication database 141 and a screen database 142 are connected to the server 110. The host computer 150 has a customer database 191, a brand database 192, a transaction document database 193, and a history database 194.
And the discount point database 195 are connected.

The e-commerce device 100a has a home trade function for authenticating the customer, displaying various information for the e-commerce, and inquiring the customer about various items by using the web page of the customer's mobile phone 40 or home. It has a function of transmitting data to a terminal and receiving a response to an inquiry from the mobile phone 40 or a terminal at home. The electronic commerce device 100a has a function as the electronic document issuing device 100, that is, a prospectus, a transaction report, and the like.
It has a function to send to. The server 110 is a computer device having a communication function.
HTML (HyperText) to a personal information device such as a personal computer or a mobile phone 40 owned by the customer.
It has a function of transmitting data of a homepage (web page) described in a Markup Language) format or a predetermined format compatible with the mobile phone 40, and receiving and processing various data returned from the mobile phone 40 or the like. are doing.

The server 110 of the electronic commerce device 100
The communication unit 120 includes a communication unit 120 and a control unit 130. The communication unit 120 is a part that performs a function of transmitting and receiving various data via the Internet 10. Control unit 1
Reference numeral 30 denotes a unit that controls the operation of the server 110, and has the functions of an electronic granting unit 131 and a point notifying unit 132.

The electronic issuing means 131 has a function of electronically issuing a transaction report, a prospectus, and the like. Electronic delivery is performed by delivering a document such as a transaction report by e-mail, or by downloading it in response to a request from a customer.
The point notification means 132 has a function of notifying the settlement apparatus 200 of the number of discount points obtained by the customer by electronically issuing a document such as a transaction report.

In addition, the control unit 130 has a function of authenticating a customer who has accessed through the Internet 10. The authentication database 141 connected to the server 110 registers authentication information for authenticating and specifying a customer. Here, the customer I is used as the authentication information.
D and password are registered. The server 110 transmits an authentication screen for inquiring a customer ID and a password for access from the mobile phone 40 or the like. Customer to Customer I
When D and the password are returned, they are checked against the registered contents of the authentication database 141 to authenticate and specify the customer. In the case of access from the mobile phone 40, since the customer can be specified based on the telephone number, only the input of the password may be requested.

The screen database 142 is stored in the mobile phone 40.
In this case, display data of various screens to be transmitted to the like are registered. The server 110 reads display data of a corresponding screen from the screen database 142 in response to an access request from the mobile phone 40 or the like, and if there is a part to be dynamically created in the screen data, cooperates the corresponding part with the host computer 150. To create and embed to complete the display data of the screen to be transmitted. Then, it has a function of transmitting the display data to the requesting mobile phone 40 or the like via the communication unit 120.

The host computer 150 is a computer device that manages all data related to transactions such as securities. The host computer 150
By executing a predetermined program, the customer management unit 1
60, the brand management unit 170, and the transaction management unit 180. The customer management unit 160 manages the registered contents of the customer database 191. The customer database 191 registers the name, customer ID, date of birth, gender, address, telephone number, occupation, hobby, annual income, transaction account, and the like of each customer.

The brand management unit 170 stores the brand database 1
92 and a part for managing the registered contents of the transaction document database 193. In the brand database 192, information on stocks, investment trusts, and the like as commodities handled by the electronic commerce device 100a is registered for each brand. For example, a product code, product attribute information, a product guidance message, and the like are registered. A prospectus and the like are also registered in the brand database 192.

The transaction management section 180 is a part that fulfills the function of managing all transactions with customers, and manages the registered contents of the transaction document database 193, the history database 194, and the discount point database 195. The transaction document database 193 is a database for registering documents generated by conducting transactions, such as transaction reports. The history database 194 is for registering a transaction history of each customer, in which a customer ID, a transaction date, a product code of a traded product, a brand code, a transaction quantity, and the like are registered.
In the history database 194, in addition to the transaction history, the delivery history of various documents is registered. The delivery history registration unit 183 of the transaction management unit 180 has a function of registering the delivery history of the transaction report and the prospectus in the history database 194.

The discount point database 195 is for registering the discount points described above for each customer. The point addition means 181 of the transaction management unit 180 adds a predetermined value to the discount point of the customer when the transaction report or the like is electronically delivered to the mobile phone 40, and registers the content of the discount point database 195 with the value after the addition. Performs the function of updating. The point subtracting means 182
The function of updating the discount point number stored in the discount point database 195 by subtracting the discount point number used for discounting the communication charge is performed.

FIG. 3 shows the configuration of the settlement apparatus 200. The settlement apparatus 200 includes a server 210 and a host computer 250. The customer computer 261 and the account database 262 are connected to the host computer 250. The server 210 includes a communication unit 220 for performing data communication with the electronic document issuing apparatus 100 and the like via the Internet 10, and a server 21.
And a control unit 230 that integrally controls the operation of the control unit 0. The control unit 230 notifies the electronic document granting device 100 of the number of points used for discounting the communication fee to the electronic document issuing device 100 and the communication fee of the portable information terminal such as the mobile phone 40 to the electronic document issuing device 100. The function as the settlement amount notification means 232 to be notified is performed.

The host computer 250 has a customer database 261 for registering various kinds of information about customers,
Account database 2 that records the transaction history and balance of the account
62 are connected. The discount settlement means 251 of the host computer 250 discounts the amount of the communication fee to be transferred from the customer's account 281 to the telephone company account 282 according to the number of discount points notified from the electronic document issuing device 100, and discounts the discounted amount. The function of transferring money from the company account 283 to the telephone company account 282 is performed.

Next, the operation will be described. FIG. 4 shows a flow when a document is downloaded from the electronic document issuing apparatus 100 to the mobile phone 40 and electronically issued. Customers,
A call is made from the mobile phone 40 to a predetermined telephone number designated by the telephone company 20, and the mobile phone 40 is connected to the Internet 10. Thereafter, a predetermined key of the mobile phone 40 is operated to access the electronic document issuing device 100 managed by the securities company. Electronic document issuing device 100 transmits a screen for authenticating the customer to mobile phone 40, and the customer inputs a password according to the instructions on the screen. In response to this, the electronic document issuing device 100 authenticates the customer by checking the password against the password stored in the authentication database 141.

When the customer authentication is completed, the electronic document issuing device 100 transmits a screen for selecting a document to the mobile phone 40, and the customer selects a desired document according to the screen. The information indicating the document selected by the customer is stored in the mobile phone 40.
Is transmitted to the electronic document issuing device 100 from the
The electronic granting means 131 of the host computer 15
In cooperation with 0, the corresponding document data is read from the brand database 192, the transaction document database 193, etc., and transmitted to the requesting mobile phone 40 (step S401).

When the download of the document to be electronically delivered is completed, the delivery history registration means 183 registers the delivery history in the history database 194 (step S402). As the history information, the customer ID of the recipient, the identification information of the electronically delivered document, the delivery date and time, and the like are registered. Transaction management unit 180
The point addition means 181 refers to the history database 194 to check whether or not the same electronic (or the same content) as the electronically issued document has been issued to the same customer in the past (step S403). If it has already been issued, a message to the effect that the discount points are not added due to overlapping is transmitted to the customer's mobile phone 40 (step S404).

As a result of the inspection, if the same document has not been issued to the same customer in the past, the number of points to be added according to the type and the number of pages of the document which has been electronically issued this time is obtained, and further obtained. The value is added to the number of discount points already held by the customer, and the value after the addition is updated as a new number of discount points for the customer (step S405). Then, a message notifying the number of discount points after the addition is created and transmitted to the mobile phone 40 (step S406). Customers,
After receiving the necessary information, disconnect the line.

FIG. 5 shows a flow of processing when the telephone charge of the mobile phone 40 is settled. The payment device 200
When the settlement date of the telephone charge comes, the electronic document delivery device 100 is inquired of the customer's discount limit via the Internet 10 (step S501). Electronic document delivery device 100
Of the host computer 15
0, the number of discount points of the customer is read from the discount point database 195 and converted into a discount amount (step S502), and this is set as the discount upper limit amount.
(Step S503). The conversion to the discount amount is, for example, 10 yen per point. Note that the number of discount points may directly represent the discount amount.

[0055] The discount settlement means 251 of the settlement device 200 that has received the notice of the discount upper limit amount from the electronic document issuing device 100,
The discount rate is determined by comparing the telephone rate notified by the telephone company 20 with the discount limit (step S504).
For example, if your discount limit is higher than your phone bill,
The telephone charge is set as a discount usage amount, and if the telephone charge is larger than the discount limit, the discount limit is set to the discount usage amount. In addition, a discount upper limit of the telephone charge may be set according to the telephone charge, and the discount usage amount may be determined within a range not exceeding the upper limit.

The discount settlement means 251 of the settlement apparatus 200
The discount usage amount is transferred from the account 283 of the securities company to the account 282 of the telephone company (step S505). Then, the remaining amount obtained by subtracting the discount usage amount from the telephone charge is stored in the customer's account 28.
1 and transfer it to the account 282 of the telephone company (step S506). After that, the actual discounted usage amount is notified to the electronic document issuing device 100 (step S50).
7). Upon receiving the notification, the point subtracting means 182 of the electronic document issuing apparatus 100 updates the registered contents of the discount point database 195 with a value obtained by subtracting the amount corresponding to the discount usage amount from the number of discount points of the corresponding customer (step S508). ). After that, the settlement apparatus 200 sends the statement of the telephone charge to the customer (Step S509). In addition,
The settlement apparatus 200 may notify the telephone company 20 of the discount usage amount, and the telephone company 20 may send details of the telephone charge to the customer. Of course, the electronic document issuing device 100
May be sent to the customer from the securities company that manages the discount point.

In the embodiment described above, the settlement apparatus 2
From 00, the discount usage amount is notified to the electronic document issuing device 100, and the number of discount points is subtracted based on the notification. However, the settlement device 200 notifies the electronic document issuing device 100 of the billed amount of the telephone charge this time. Then, the electronic document delivery device 100 may be configured to calculate the discounted usage amount based on this. In this case, since the discount usage amount is set on the electronic document issuing device 100 side, the discount usage amount is set in the settlement device 20.
At the stage of notifying to 0, the number of discount points may be subtracted.

The discount of telephone charges based on the discount points is as follows:
It is not necessary to perform it every month. For example, it may be performed once a year based on discount points for one year. In this way, customers can be effectively retained until the next discount point. Further, in the embodiment, when the upper limit of the discount exceeds the telephone charge, the discount points corresponding to the discount usage amount are deducted, and the rest is carried over to the next time. The number may be reset to "0" each time.

In addition to the above, in the embodiment, the number of discount points to be added is changed according to the type of the document to be electronically issued and the number of pages. The number of discount points to be added may be uniform.

The documents to be electronically delivered are, for example, a transaction report or a monthly report of securities, an investment trust operation report or a prospectus, but are not limited thereto. Particularly, in the case of a document that has been mailed in the past, it is preferable to provide a discount point because the delivery cost can be reduced by electronic delivery.

[0061]

The electronic document delivery system according to the present invention,
According to the privilege granting method in the electronic document issuing system and the program for causing a computer to function as each device constituting the electronic document issuing system, each time a document such as a transaction report is electronically issued using a portable information terminal. In addition to giving discount points to customers and discounting the communication charges of mobile information terminals that should be paid by the customers according to the number of discount points possessed by customers, we will promote electronic delivery of documents using mobile information terminals and By giving the privilege, the ability to attract customers can be enhanced.

In a system in which the settlement apparatus notifies the electronic document issuing apparatus of the number of discount points used for discounting the communication fee,
Even when the communication fee to be settled is lower than the discount amount, the unused points can be carried forward by subtracting the discount points actually discounted. Also, the settlement device notifies the communication fee to the electronic document delivery device, and the electronic document delivery device obtains the number of discount points to be used for the current settlement based on the communication fee notified from the settlement device, and notifies the settlement device of this. The same effect can be obtained in the case of the above.

It is checked whether or not the same document as the one issued this time has been sent to the same customer. If the same document as the one issued this time has not been sent to the same customer, it is determined based on this issuance. For those that add discount points,
It is possible to prevent the same customer from receiving discount points by receiving the same document electronically many times.

[Brief description of the drawings]

FIG. 1 is an explanatory diagram showing a system configuration of an electronic document issuing system according to an embodiment of the present invention.

FIG. 2 is a block diagram illustrating a configuration of an electronic document issuing device included in the electronic document issuing system according to the embodiment of the present invention.

FIG. 3 is a block diagram showing a configuration of a settlement apparatus included in the electronic document issuing system according to the embodiment of the present invention.

FIG. 4 is a flowchart showing a process of downloading a document from the electronic document issuing device to the mobile phone and electronically issuing the document in the electronic document issuing system according to the embodiment of the present invention.

FIG. 5 is a flowchart showing a process for making a discount settlement of a telephone charge using a customer's discount point in the electronic document issuing system according to the embodiment of the present invention.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 10 ... Internet 20 ... Telephone company 21 ... Communication control device 30 ... Base station 40 ... Cellular phone 50 ... Stock exchange 51 ... Host computer 60 ... Private line 100 ... Electronic document issuing device 100, 200 ... Electronic document issuing system 100a ... Electronic Commerce device 110 ... Server 120 ... Communication unit 130 ... Control unit 131 ... Electronic delivery means 132 ... Point notification means 141 ... Authentication database 142 ... Screen database 150 ... Host computer 181 ... Point addition means 182 ... Point subtraction means 183 ... Delivery history registration Means 191 Customer database 192 Brand database 193 Transaction document database 194 History database 195 Discount point database 200 Payment device 210 Server 220 Communication unit 230 Control unit 231 Use point number notification means 232 ... Settlement amount notification means 250 ... Host computer 251 ... Discount payment means 261 ... Customer database 262 ... Account database 281 ... Customer account 282 ... Telephone account 283 ... Securities company account

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) G06F 17/60 506 G06F 17/60 506 G07G 1/12 321 G07G 1/12 321L 1/14 ZEC 1/14 ZEC F-term (reference) 3E042 CC04 EA01

Claims (22)

[Claims] 1. An electronic document issuing system for issuing a predetermined document accompanying a transaction to a customer through a communication line, wherein the electronic document issuing device transmits the document to the customer's portable information terminal through the communication line and issues the document. A settlement device for settling a communication fee of the terminal, wherein the electronic document issuing device stores discount point number storage means for storing the number of discount points for each customer, and a predetermined document to be issued to the customer along with the transaction. Electronic delivery means for delivering to a portable information terminal of a customer through a computer network, and when the electronic delivery means delivers the document, the discount points stored in the discount point number storage means in association with the customer to which the delivery is made. Point addition means for adding a predetermined value to the number and updating the value; point notification means for notifying the customer of the number of discount points to the settlement apparatus; Point subtraction means for subtracting and updating the discount point number used for discounting the communication fee by the payment device from the discount point number stored in the discount point number storage means, wherein the payment device comprises: The amount of the communication fee to be transferred from the customer's account to the account to which the communication fee is to be paid is discounted according to the number of discount points notified from the electronic document issuing device, and the discounted amount is paid from the account of the issuer of the document. An electronic document issuance system having a discount settlement means for transferring to an earlier account. 2. The electronic document delivery system according to claim 1, wherein said settlement device further includes a use point number notification unit for notifying the electronic document delivery device of the number of discount points used for discounting the communication fee. system. 3. The settlement apparatus further comprises a settlement amount notifying means for notifying the communication fee of the portable information terminal to the electronic document issuing apparatus, and the point notifying means is configured to reduce the communication charge notified from the settlement apparatus. The electronic document delivery system according to claim 1, wherein the number of discount points used for the current settlement is notified to the settlement device based on the settlement. 4. The electronic document issuing system according to claim 1, wherein said point adding means changes said predetermined value in accordance with a document issued by said electronic issuing means. 5. The electronic granting means further comprises a grant history registering means for registering a grant history relating to a document delivered to the customer, wherein the point adding means issues the letter when the electronic granting means delivers the document. Whether the document has been delivered to the same customer in the past is checked based on the delivery history registered in the delivery history registration means, and if the document delivered this time has not been delivered to the same customer, 2. The discount point number is updated based on the grant.
5. The electronic document delivery system according to any one of items 1 to 4. 6. The said document is a document accompanying a securities transaction and includes at least any one of a transaction report or a monthly report of securities, or an investment report or a prospectus of an investment trust. The electronic document issuing system according to any one of claims 1 to 5, wherein: 7. The electronic issuance means transmits point information indicating the number of discount points of the customer of the issuance to the portable information terminal together with the written document, the point information indicating a value after addition accompanying the current issuance. The electronic document issuing system according to any one of claims 1 to 6, wherein 8. The discount point storage means, for each customer,
The electronic granting means further stores the number of documents received via the communication line. The point addition means is for further updating the number of receipts of the customer to whom the points have been issued.
Electronic document delivery system according to any one of the above. 9. An electronic document issuing system according to claim 1, wherein said portable information terminal is a portable telephone. 10. A privilege granting method in an electronic document issuing system, comprising: an electronic document issuing device for transmitting and issuing a document to a customer's portable information terminal through a communication line; and a settlement device for settlement of a communication fee of the portable information terminal. A first step in which the electronic document issuance device issues a predetermined document to be issued to the customer along with the transaction to the customer's portable information terminal through a predetermined computer network; A second step of adding a predetermined value to a discount point number of the customer who has issued the document in the first step and updating the discount point number of the customer in the first step out of the discount point numbers for each customer stored in the number storage means; And a third step of notifying the customer of the number of discount points to the settlement device; and the electronic document issuing device is used by the settlement device for discounting a communication fee. A fourth step of subtracting the updated number of discount points from the discount point number stored in the discount point number storage means and updating the discount point number; and setting the payment device from a customer's account to a payment account of the communication fee. A fifth step of discounting the amount of the communication fee to be transferred in accordance with the number of discount points notified from the electronic document issuing device, and transferring the discounted amount from the account of the sender of the document to the payee account. A feature granting method in the electronic document issuing system, which is a feature. 11. The electronic document delivery system according to claim 10, further comprising the step of the settlement device notifying the electronic document delivery device of the number of discount points used for discounting the communication fee. Method. 12. The settlement apparatus may further include a step of notifying the communication fee of the portable information terminal to the electronic document issuing apparatus, wherein the electronic document issuing apparatus is notified from the settlement apparatus in the third step. The privilege grant method in the electronic document issuing system according to claim 10, wherein the number of discount points used for the current settlement is notified to the settlement apparatus based on the communication fee. 13. The privilege in the electronic document issuing device according to claim 10, wherein in the second step, the predetermined value is changed according to the document issued in the first step. Assignment method. 14. A delivery history relating to a document delivered to a customer is registered, and in the second step, it is determined whether or not the document delivered in the first step has been sent to the same customer in the past. The inspection based on the history, and when the document issued this time has not been sent to the same customer, the number of discount points based on the current delivery is updated.
13. The method for providing a privilege in the electronic document issuing device according to any one of the above items 13. 15. The document is a document accompanying a securities transaction, and includes at least one of a transaction report or a monthly report of securities, or an investment report or a prospectus of an investment trust. 15. The method according to claim 10, wherein
The privilege grant method in the electronic document issuing device according to any one of the above. 16. In the first step, point information indicating the number of discount points of the customer to be issued, the point information indicating the value added after the current issuance is further transmitted to the portable information terminal together with the document. Claim 1 characterized by the following:
A privilege granting method in the electronic document issuing device according to any one of 0 to 15. 17. The method according to claim 1, further comprising: storing, in the first step, the number of documents received via the communication line for each customer; The electronic document delivery according to any one of claims 10 to 16, wherein the information is further transmitted to the portable information terminal together with the document, and in the second step, the number of receipts of the customer of the recipient is further updated. A privilege grant method in the device. 18. The method according to claim 10, wherein said portable information terminal is a portable telephone. 19. A first program for causing a computer to execute the steps performed by an electronic document issuing device in the privilege granting method in the electronic document issuing system according to claim 10; Item 10
A program that constitutes both or any one of a second program and a second program for executing a step performed by a settlement device in the privilege granting method in the electronic document issuing system according to any one of Items 18 to 18. 20. A first program for causing a computer to function as an electronic document issuing device in the electronic document issuing system according to any one of claims 1 to 9, and a computer according to any one of claims 1 to 9 A program that constitutes both or any of the second programs for causing the electronic document issuing system to function as a settlement device in the electronic document delivery system described in the above. 21. An electronic document issuing system which has an electronic document issuing device for transmitting a predetermined document accompanying a transaction to a portable information terminal through a communication line and issuing the same, and for settlement of a communication fee of the portable information terminal by a settlement device. The electronic document issuing device issues discount point number storage means for storing the number of discount points for each customer, and issues a predetermined document to be issued to the customer along with the transaction to the customer's portable information terminal through a predetermined computer network. An electronic granting unit, and a point addition unit for adding a predetermined value to the discount point number stored in the discount point number storing unit in association with the customer to which the document is issued when the electronic issuing unit issues the document, and updating the points. Means, a point notifying means for notifying the customer of the number of discount points to the settlement apparatus, Point subtraction means for subtracting and updating the number of discount points from the number of discount points stored in the discount point number storage means; An electronic document delivery system, wherein the amount of the communication fee is discounted according to the number of discount points notified from the electronic document delivery device, and the discounted amount is transferred from the account of the document issuer to the payee account. . 22. An electronic document issuing system for transmitting a prescribed document accompanying a transaction to a portable information terminal through a communication line and issuing the same, wherein the communication fee of the portable information terminal is settled by a settlement device. A privilege providing method, wherein the electronic document issuing device issues a predetermined document to be issued to a customer along with a transaction to a customer's portable information terminal through a predetermined computer network; and the electronic document issuing device. A second step of adding a predetermined value to a discount point number of the customer who has issued the document in the first step and updating the discount point number of each customer stored in the discount point number storage means; A third step in which the document issuing device notifies the customer of the number of discount points to the settlement device; and A fourth step of subtracting and updating the number of discount points used for the gold discount from the number of discount points stored in the discount point number storage means; The amount of the communication fee to be transferred to the payee account of the communication fee is discounted according to the number of discount points notified from the electronic document delivery device, and the discounted amount is transferred from the account of the sender of the document to the payee account. A privilege granting method in an electronic document issuing system, characterized in that: