JP2004334262A - Servicing card system - Google Patents
Servicing card system Download PDFInfo
- Publication number
- JP2004334262A JP2004334262A JP2003124807A JP2003124807A JP2004334262A JP 2004334262 A JP2004334262 A JP 2004334262A JP 2003124807 A JP2003124807 A JP 2003124807A JP 2003124807 A JP2003124807 A JP 2003124807A JP 2004334262 A JP2004334262 A JP 2004334262A
- Authority
- JP
- Japan
- Prior art keywords
- selection
- card
- repayment
- service
- ancillary services
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
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Abstract
Description
【0001】
【発明の属する技術分野】
本発明は、クレジットカードの付帯サービスカードシステムに関するものである。
【0002】
【従来の技術】
従来、クレジットカード会社は、会員が選択するカード単位の付帯サービスに応じて会員毎に管理していたことから、各会員が選択した各種サービスに応じた年会費の設定をするサービスシステムは存しなかった。
【0003】
【発明が解決しようとする課題】
そこで、本発明は、各会員が選択する各種付帯サービスをそれらの各サービスに応じた年会費が設定された1枚のクレジットカードに付与することによって、従来、付帯サービスとカードとが対になっていたものから、自分独自のカードとして付帯サービスを自由に組み合わせて設定することができる商品構成のカードを提供することを目的とするものである。
【0004】
【課題を解決するための手段】
本発明は、クレジットカード会社側において、各種の付帯サービスを提供する管理システムと返済関係の管理をする基幹系システムとから構成されたシステムを有し、新規会員又は既会員の申込みを問わず、カードの発行時に、まず入会申込みフォームに記入した後、カードデザインの選択,各種付帯サービスの選択,返済方法の選択,請求書発行方法の選択および返済方法の選択を任意の申込手段によって行うシステムである。
【0005】
本発明はまた、クレジットカード会社側において、各種の付帯サービスを提供する管理システムと返済関係の管理をする基幹系システムから構成されたシステムを有し、新規会員又は既会員の申込みを問わず、カードの発行時に、カードデザインの選択,各種付帯サービスの選択,返済方法の選択,請求書発行方法の選択および返済方法の選択をネットワークを通じて行うシステムである。
【0006】
【発明の実施の形態】
以下、ネットワークを通じて行う場合について説明する。
【0007】
新規会員の場合は、図2に示すとおり、サービスを提供するクレジットカード会社のホームページを開き、所定の記入事項に記載して申込む。
【0008】
既会員でも、会員専用ウェッブサービスに未登録の場合は、図3に示すとおり、クレジットカード会社のホームページを開き、トッピングカードの説明ページを見て申込み、以下、属性入力ページを開いて記載し、付帯サービスページを開いて選択する。
【0009】
既会員で、会員専用ウェッブサービスに登録ずみの場合は、図4に示すとおり、クレジットカード会社のホームページを開き、トッピングカードの付帯サービスページを開いてサービスを追加するか、サービスの更新を停止する手続をする。
【0010】
【実施例】
以下、ネットワークを通じて行う付帯サービスカードシステムの場合について説明する。
【0011】
(1)新規会員の申込と新規カードの発行
▲1▼まずカードデザインの選択(予め各種デザインのカードを用意しておく。)
▲2▼付帯サービスの選択(例.レジャー,保険,金融,ギフト,優待,等々の分野別サービスを用意する。)
▲3▼返済プラン(一括,分割/リボ)の選択
▲4▼請求書の発送方法(e−mail,郵送)の選択
▲5▼返済方法(自動振替,ATM/店頭入金/持参)の選択
【0012】
(2)既会員の選択
既会員は、前記付帯サービスを選択することにより、新規カードに切替えることを可能にする(これを、以下「トッピングカード」と称する。)。前記新規入会の場合との相違は、入会フォームへの入力が不要な点だけである。
【0013】
(3)トッピングカードの申込方法
▲1▼トッピングカードの申込みは、提供会社側のホームページから所定のキーを押して申込む。
申込み時に顧客は、前記(1)▲2▼の付帯サービスの中から希望のものを選択する。選択したサービスによって年会費の合計を自動的に算定して画面に案内する。
次に、カード与信に必要な顧客属性項目を入力する画面に遷移し、氏名,生年月日等の項目にしたがって入力する。続いて、前記(1)▲3▼〜▲5▼を選択する。
▲2▼ペーパーによる場合は、申込書に必要事項を記入して提出する。
【0014】
(4)トッピングカード会員の確認等
トッピングカードの会員となると、会員専用のウェッブサービス利用の専用IDを取得し、予め登録したパスワードと併せて会員専用サイトにログインすると、現在の登録サービス内容を確認することができる。
また、付帯サービスの追加や削除ができる。
付帯サービスは原則1年間の有効とし、特段の届出がない限り、自動更新を原則とする。
特定の付帯サービスについては、次年度以降の更新をしない旨の届出を予めすることも可能である。
【0015】
(5)その他のサービス
顧客の情報管理をするため、会員単位のサービス内容,サービス別の年会費,適用期間を一括管理,問合せ対応やサービス更新時における期間管理を行う。
サービス提供企業へのデータ提供は、FD等の媒体若しくはデータ伝送によって行い、会員へのサービス提供を実現する。
【0016】
(6)提供会社側においては、管理システムを各種サービスを提供するトッピング管理システムと、基幹系システムで行う。
▲1▼トッピング管理システムでは、トッピングカードに付帯するサービス内容、サービス期間、サービス年会費などの管理をする。また、カード会員専用のウェッブサービスからのサービスの追加、削除、サービス更新停止予後の変更の管理をする。
▲2▼基幹系システムでは、返済プラン、請求書の発送方法、返済方法の管理をする。
【0017】
なお、ペーパーによる申込みの場合は、申込書に必要事項を記入して提出する方法となる。
【0018】
【発明の効果】
以上のような本発明による付帯サービスシステムの実現によって、従来必要としたサービスにより特化した各個別のカードを多数枚保有する必要がなくなり、また一般的に固定的であったカードの機能について会員は自由に選択することが可能となり、顧客本位のユーザーカードを提供することができるものとして、その効果はきわめて大きい。
【図面の簡単な説明】
【図1】本発明の一実施態様を示す概略構成図
【図2】新規トッピングカード会員申込みの流れ図
【図3】会員専用ウェッブサービス未登録の既存会員のトッピングカード申込みの場合の流れ図
【図4】会員専用ウェッブサービス既登録の既存会員のトッピングカード申込みの場合の流れ図[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)
Priority Applications (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
JP2003124807A JP2004334262A (en) | 2003-04-30 | 2003-04-30 | Servicing card system |
Applications Claiming Priority (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
JP2003124807A JP2004334262A (en) | 2003-04-30 | 2003-04-30 | Servicing card system |
Publications (2)
Publication Number | Publication Date |
---|---|
JP2004334262A true JP2004334262A (en) | 2004-11-25 |
JP2004334262A5 JP2004334262A5 (en) | 2006-04-20 |
Family
ID=33502247
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
JP2003124807A Pending JP2004334262A (en) | 2003-04-30 | 2003-04-30 | Servicing card system |
Country Status (1)
Country | Link |
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JP (1) | JP2004334262A (en) |
Cited By (3)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
KR20150051967A (en) * | 2015-04-22 | 2015-05-13 | 신한카드 주식회사 | System of managing selective service and method of the same |
KR101535329B1 (en) * | 2013-03-15 | 2015-07-09 | 신한카드 주식회사 | System of managing selective service and method of the same |
JP2019200678A (en) * | 2018-05-18 | 2019-11-21 | 株式会社オービック | Business support device, divided amount output method and divided amount output program |
-
2003
- 2003-04-30 JP JP2003124807A patent/JP2004334262A/en active Pending
Cited By (4)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
KR101535329B1 (en) * | 2013-03-15 | 2015-07-09 | 신한카드 주식회사 | System of managing selective service and method of the same |
KR20150051967A (en) * | 2015-04-22 | 2015-05-13 | 신한카드 주식회사 | System of managing selective service and method of the same |
KR101942140B1 (en) * | 2015-04-22 | 2019-01-24 | 신한카드 주식회사 | System of managing selective service and method of the same |
JP2019200678A (en) * | 2018-05-18 | 2019-11-21 | 株式会社オービック | Business support device, divided amount output method and divided amount output program |
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