JP2004334262A - Servicing card system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a card in such merchandise composition that the setting of annual dues corresponding to various servicings selected by a member is applied to one credit card for allowing the member to freely combine and set the servicings as an unique card. <P>SOLUTION: At a credit card company side, a system configured of a management system for providing various servicings and a basic system for performing payment-related management is provided to operate the selection of a card design, the selection of those various servicings, the selection of a payment method, the selection of a bill issuing method and the selection of a payment method through a network when a card is issued regardless of an application from a new member or an old member. <P>COPYRIGHT: (C)2005,JPO&NCIPI

Description

[0001]
TECHNICAL FIELD OF THE INVENTION
The present invention relates to a credit card incidental service card system.
[0002]
[Prior art]
Conventionally, credit card companies have managed each member according to the card-based supplementary service selected by the member.Therefore, there is a service system that sets annual membership fees according to various services selected by each member. Did not.
[0003]
[Problems to be solved by the invention]
In view of the above, the present invention assigns various ancillary services selected by each member to one credit card for which an annual membership fee is set according to each of the services, so that the ancillary services and the card are conventionally paired. It is an object of the present invention to provide a card having a product configuration in which an additional service can be freely combined and set as a card unique to the user.
[0004]
[Means for Solving the Problems]
The present invention has a system composed of a management system for providing various incidental services and a core system for managing a repayment relationship on the credit card company side, regardless of whether a new member or an existing member has applied, At the time of issuance of a card, first fill in the membership application form, then select the card design, select various ancillary services, select the repayment method, select the invoicing method, and select the repayment method by any application means. is there.
[0005]
The present invention also has a system comprising a management system for providing various ancillary services and a core system for managing a repayment relationship on the credit card company side, regardless of whether a new member or an existing member has applied, When issuing a card, this system is used to select a card design, various ancillary services, a repayment method, a bill issuing method, and a repayment method through a network.
[0006]
BEST MODE FOR CARRYING OUT THE INVENTION
Hereinafter, a case where the processing is performed through a network will be described.
[0007]
In the case of a new member, as shown in FIG. 2, open the homepage of the credit card company that provides the service, fill in the prescribed entries, and apply.
[0008]
If you are an existing member and have not registered for the member-only web service, open the credit card company's website, see the topping card explanation page as shown in Fig. 3 and apply. Open the ancillary service page and select it.
[0009]
If you are an existing member and have already registered for the member-only web service, open the credit card company's website and open the ancillary service page of the topping card to add the service or stop updating the service, as shown in FIG. Do the procedure.
[0010]
【Example】
Hereinafter, a case of the supplementary service card system performed through a network will be described.
[0011]
(1) Applying for a new member and issuing a new card (1) First, select a card design (prepare cards of various designs in advance).
(2) Select ancillary services (eg, provide services for each field such as leisure, insurance, finance, gifts, special treatment, etc.)
(3) Selection of repayment plan (batch, division / revolving) (4) Selection of invoice delivery method (e-mail, mail) (5) Selection of repayment method (automatic transfer, ATM / store deposit / bring) [ 0012
(2) Selection of an Existing Member An existing member can switch to a new card by selecting the supplementary service (this is hereinafter referred to as a “topping card”). The difference from the case of the new enrollment is only that the input to the enrollment form is unnecessary.
[0013]
(3) How to apply for a topping card (1) Apply for a topping card by pressing a predetermined key from the provider company's website.
At the time of application, the customer selects a desired service from the supplementary services described in (1) (2) above. Automatically calculates the total annual fee based on the selected service and guides it to the screen.
Next, the screen is changed to a screen for inputting customer attribute items necessary for card credit, and input is performed in accordance with items such as a name and a date of birth. Subsequently, the above (1) (3) to (5) are selected.
(2) If using paper, fill out the application form and submit it.
[0014]
(4) Confirmation of Topping Card Membership If you become a Topping Card member, you will get a member-specific Web service use ID and log in to the member-only site together with a pre-registered password to check the current registration service contents can do.
Also, additional services can be added or deleted.
Ancillary services are valid for one year in principle, and are automatically renewed in principle unless otherwise notified.
It is also possible to make a notification in advance that a specific supplementary service will not be renewed after the next fiscal year.
[0015]
(5) In order to manage information of other service customers, collective management of service contents, annual membership fee for each service, application period for each member, inquiry management, and period management at the time of service update are performed.
The data is provided to the service providing company by a medium such as FD or data transmission, and the service is provided to the member.
[0016]
(6) On the provider company side, the management system is implemented by a topping management system that provides various services and a backbone system.
{Circle around (1)} The topping management system manages the service contents, service period, service annual membership fee, and the like attached to the topping card. In addition, it manages the addition and deletion of services from the web service exclusively for card members, and the change of service update suspension prognosis.
(2) The backbone system manages the repayment plan, billing method, and repayment method.
[0017]
In the case of application using paper, fill out the application form and submit it.
[0018]
【The invention's effect】
With the implementation of the supplementary service system according to the present invention as described above, there is no need to hold a large number of individual cards specialized for the services required in the past, and the membership of the generally fixed card function is reduced. Can be freely selected, and as a customer-oriented user card can be provided, the effect is extremely large.
[Brief description of the drawings]
FIG. 1 is a schematic diagram showing an embodiment of the present invention. FIG. 2 is a flowchart of a new topping card member application. FIG. 3 is a flowchart of a topping card application of an existing member who has not registered a member-only web service. ] Flow chart for the case of applying for a topping card for an existing member who has already registered a member-only web service

Claims (4)

The credit card company has a system that consists of a management system that provides various ancillary services and a backbone system that manages the repayment relationship. When a new card is issued by applying for a new member, the membership application form And an application service for selecting a card design, selecting ancillary services, selecting a repayment method, selecting an invoicing method, and selecting a repayment method. The credit card company has a system consisting of a management system that provides various ancillary services and a backbone system that manages the repayment relationship. An additional service card system wherein selection of various ancillary services, selection of a repayment method, selection of an invoicing method, and selection of a repayment method are performed by application means therefor. The credit card company has a system that consists of a management system that provides various ancillary services and a backbone system that manages the repayment relationship. When a new card is issued by applying for a new member, the membership application form And a selection of card design, selection of various ancillary services, selection of a repayment method, selection of an invoicing method, and selection of a repayment method through a network. The credit card company has a system consisting of a management system that provides various ancillary services and a backbone system that manages the repayment relationship. A supplementary service card system wherein selection of various supplementary services, selection of a repayment method, selection of a bill issuing method and selection of a repayment method are performed through a network.

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