JP4837052B2 - Sales data processing apparatus and sales data processing method - Google Patents

Description

  The present invention relates to a sales data processing apparatus and a sales data processing method. More specifically, the present invention relates to a sales data processing apparatus and a sales data processing method for automatically processing sales data in association with each predetermined business type.

  Conventionally, payment by credit card is known in addition to cash as a means of payment for shopping and public charges. In recent years, not only shopping at stores and payment of public charges, but also payment opportunities by credit card, such as payment of travel charges and payment of hospital expenses, are increasing.

  In payment by credit card, payment (account withdrawal) is usually made on a predetermined settlement date in one withdrawal financial institution account preset by a card member as a credit institution account for credit card settlement.

  However, with credit card payments, the account is debited in one debited financial institution account preset by the card member, so the same financial institution account is used regardless of the type of payment used for the credit card. Account withdrawal will be made at.

  Therefore, in the settlement with such a single financial institution account, for those who frequently divide the account used according to the payment purpose (for example, shopping, utility bills, etc.) for household management, the household account management by the account used May be difficult. Also, assuming that only one debited financial institution account can be set with one credit card, if you want to use different debited financial institution accounts depending on the payment application, use multiple credit cards with different debited financial institution accounts. There is also a problem that the management is complicated.

  The present invention has been made in view of such problems, and an object of the present invention is to provide an apparatus and a method for automatically associating and processing sales data with account setting groups classified for each predetermined industry. It is to provide.

  In the present invention, in order to achieve such an object, the sales data processing device (100) according to the first aspect of the present invention is a member store information registration database storing member store information of member stores of a credit card company. (205) and an account setting group database (206) that stores account setting group data relating to the account setting group, and sales data received from the member store terminal (101) is determined by a member store type code of the member store according to a predetermined code. Processing is performed so as to be associated with the account setting group based on the type of business. The sales data processing device (100) includes extraction means for extracting from the member store information registration database (205) member store information including a member store identification code equal to the member store identification code included in the sales data. . Further, the sales data processing device (100) extracts from the account setting group database (206) account setting group data including a member store business type code equal to the member store business type code included in the extracted member store information. And an adding means for adding an account setting group code associated with a member store type code included in the extracted account setting group data to the sales data.

  A sales data processing apparatus (100) according to the second aspect of the present invention further includes information on a debited financial institution account, and the sales data to which an account setting group code is added and members related to the sales data. Output means for outputting information on the debited financial institution account corresponding to the account setting group code set in advance.

  As described above, according to the present invention, the sales data received from each member store can be associated with an account setting group based on a predetermined industry by the member store industry code of each member store. By setting a debited financial institution account for each account setting group in advance, a single credit card can be used for settlement with a plurality of debited financial institution accounts for each predetermined industry.

1 is a diagram illustrating an exemplary computer environment of a credit card system according to an embodiment of the present invention. FIG. 1 is a block diagram of an exemplary computer that processes sales data according to an embodiment of the present invention. FIG. It is a figure which shows the example of the sales data stored in the sales database, the sales data to which the member store industry type code was added, and the sales data to which the account setting group code was added according to an embodiment of the present invention. It is a figure which shows an example of the member store information stored in the member store information registration database concerning one Embodiment of this invention. It is a figure which shows an example of the account setting group data stored in the account setting group database concerning one Embodiment of this invention. It is a flowchart which shows the process of the sales data concerning one Embodiment of this invention. It is a figure which shows an example of the usage details of a credit card which matched sales data with the account setting group according to one Embodiment of this invention.

  Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.

(First embodiment)
FIG. 1 is a diagram illustrating an exemplary computer environment of a credit card system according to an embodiment of the present invention. The member store terminal 101 and the member terminal 102 are connected to the computer 100 of the credit card company via the network 103. In FIG. 1, only one member store terminal 101 and one member terminal 102 are shown for convenience, but a plurality of terminals can be used.

  The member store terminal 101 is a terminal installed in each member store of the credit card. When payment by credit card is made, the member store terminal 101 reads information (for example, a member number) stored in the credit card used via a card reader or the like, and reads the read information into the member store. This is a terminal that transmits to the computer 100 of the credit card company together with information such as the member store identification code and the sales amount entered by the store clerk of the member store. Information transmitted from the member store terminal 101 to the computer 100 of the credit card company is sales data. In the case of mail order sales, the member store terminal 101 does not read information stored in the credit card via a card reader or the like, but uses information such as a membership number presented by the card member as information such as a sales amount. At the same time, it is transmitted to the computer 100.

  The member terminal 102 is a terminal held by a card member, and can be a personal computer connectable to the network 103 such as the Internet or a portable information terminal device such as a PDA. The member terminal 102 can be connected to the computer 100 via the web or the like, and the card member can view the usage details of his / her credit card on the web browser.

  FIG. 2 is a block diagram of an exemplary computer that processes sales data according to an embodiment of the present invention. The computer 100 includes a transmission / reception unit 201, a processing unit 202, a memory 203, a sales database (DB) 204 for storing sales data, a member store information registration database (DB) 205 for storing member store information, and account setting group data. An account setting group database (DB) 206 is provided. The elements 201 to 206 are coupled to each other by a bus wiring 207.

  The transmission / reception unit 201 transmits / receives data to / from the member store terminal 101 and the member terminal 102 via the network 103. The transmission / reception unit 201 receives sales data transmitted from the member store terminal 101, and stores the received sales data in the sales DB 204. In an alternative embodiment, the transmission / reception unit 201 may temporarily store the received sales data in the memory 203.

  The processing unit 202 reads sales data stored in the sales DB 204 or the memory 203, and performs processing described later with reference to FIG. The processing unit 202 can be a processor, a CPU, or the like, for example.

  The memory 203 can be a semiconductor storage device, a magnetic storage device, a magneto-optical storage device, or the like, and has a function of storing received sales data.

  The computer 100 also includes an output device 208. The output device 208 can output information from the computer 100, such as sales data processed in accordance with embodiments of the present invention.

  FIG. 3A is a diagram illustrating an example of sales data stored in the sales DB 204. As shown in FIG. 3A, the sales data includes, for example, the member store identification code of the member store used by the card member, the member number of the card member used, the date of use, and the sales amount. The sales data is transmitted from the member store terminal 101 of each member store to the computer 100 of the credit card company when the card member makes a payment using the credit card. The member store identification code may be unique information that can identify each member store, and may be, for example, a member store number in the embodiment of the present invention. In FIG. 3A, for the sake of simplicity, only the sales data of a specific card member is shown, but the sales data may include sales data of other card members, The data can be stored in various formats such as the order transmitted from each member store terminal 101, the member store identification code order, or the member number order.

  FIG. 4 is a diagram illustrating an example of member store information stored in the member store registration DB 205. As shown in FIG. 4, the member store information includes information about each member store, for example, a member store identification code of the member store, a member store type code of the member store, a store name of the member store, and the like. . The member store industry code is a code indicating the industry of each member store. The member store identification code and member store type code are set in advance for each member store when the member store is registered. As described above, since the sales data includes the member store identification code of the member store used by the card member, the card member uses the credit card by identifying the member store identification code of the sales data. A member store can be identified. Furthermore, since the member store business type code indicates the business type of the member store, the card member can credit the card member by identifying the member store type code of the member store information including the same member store identification code as the member store identification code included in the sales data. It is possible to identify the type of business of the member store using the card.

  FIG. 5 is a diagram illustrating an example of account setting group data stored in the account setting group DB 206. The account setting group data includes an account setting group code for each account setting group, an account setting group name, and a member store industry code corresponding thereto. The industry of each member store can be classified into a plurality of rough groups, that is, account setting groups based on the characteristics of the industry. As described above, since the member store industry code indicates the industry of the member store, the member store industry code can be classified so as to correspond to the account setting group classified based on the industry. As shown in FIG. 5, the account setting group data can be classified into, for example, five account setting groups (for example, utilities, daily items, medical-related items, travel-related items, etc.) depending on the type of business. The account setting group code, the account setting group name, and the member store industry code corresponding thereto are set.

  One debited financial institution account can be set for each account setting group. Therefore, if a card member withdraws for each account setting group at the time of application for membership and sets up a financial institution account, even if one credit card is used, it is for each type of business of the member store using the credit card (ie, It will be possible to separate financial institution accounts by debiting for each account setting group.

  FIG. 6 is a flowchart showing sales data processing according to an embodiment of the present invention.

  In step S10, the transmission / reception unit 201 receives sales data from the member store terminal 101 of each member store, and stores the received sales data in the sales DB 204. The processing unit 202 reads sales data stored in the sales DB. In an alternative embodiment, the transmission / reception unit 201 temporarily stores the sales data received from the member store terminal 101 in the memory 206, and the processing unit 202 reads the sales data stored in the memory 206.

  In step S20, the processing unit 202 extracts member store information including a member store identification code equal to the member store identification code included in the sales data from the member store information registration DB 205.

  In step S30, the processing unit 202 adds the member store business type code included in the extracted member store information to the sales data.

  Referring now to FIG. 3 (B), FIG. 3 (B) shows an example of sales data to which the member store industry code is added. The sales data shown in FIG. 3 (B) is sales data obtained by adding the member store business type code included in the extracted member store information to the sales data received from the member store terminal 101 by performing the process of step S30. is there. Thereby, it becomes possible to identify the type of business of the sales data.

  Referring to FIG. 6 again, in step S40, the processing unit 202 searches the account setting group data in the account setting group DB 206, and extracts account setting group data including a member store industry code equal to the member store industry code. .

  Note that, as indicated by the broken line in FIG. 6, the process can proceed from step S20 to step S40 without performing the process of step S30. That is, member store information including a member store identification code equal to the member store identification code included in the sales data is extracted from the member store information registration DB 205 (step S20), and the extracted member store information is extracted from the account setting group DB 206. The account setting group data including the member store business type code equal to the member store business type code included in can be extracted (step S40).

  Next, in step S50, the processing unit 202 adds the account setting group code associated with the member store business type code included in the extracted account setting group data to the sales data.

  Here, referring to FIG. 3C, FIG. 3C shows an example of sales data to which an account setting group code is added. The sales data shown in FIG. 3C is sales data in which the process of step S50 is performed and an account setting group code is further added. As a result, the sales data can be associated with the account setting group.

  Note that when the process proceeds from step S20 to step S40 without performing the process of step S30 as indicated by the broken line in FIG. 6, only the account setting group code is added to the sales data.

  Referring to FIG. 6 again, in step S60, the processing unit 202 stores the processed sales data in the sales DB.

  Through the above processing, each sales data can be associated with an account setting group. Therefore, by summing the sales data of a certain card member for each account setting group, the sales data of the card member can be automatically distributed for each type of business indicated by the account setting group code.

(Second Embodiment)
In one embodiment of the present invention, the computer 100 may include a member information registration database that stores member information (not shown). The member information includes information on the card member, for example, information on a debited financial institution account corresponding to a member number, a member name, a member address, and an account setting group code. The debited financial institution account is preset for each account setting group code at the time of application for membership by each card member. In other words, the card member can withdraw for each predetermined business type and set a financial institution account in advance. For example, the processing unit 202 adds the information of the debited financial institution account corresponding to the added account setting group code included in the member information of the card member to the processed sales data of the card member. Can do. As a result, the sales data of a certain cardholder can be associated with the information of the debited financial institution account set for the predetermined industry set by the cardmember. Can be automatically distributed to institutional accounts.

  FIG. 7 is a diagram illustrating an example of a credit card usage statement in which sales data is associated with an account setting group according to an embodiment of the present invention. The card member can view such usage details on the member terminal 102 using a web browser or the like. In the usage details, the sales data is displayed as “use amount” and “payment amount” as shown in FIG. 7, for example, and the corresponding account setting group is displayed as “settlement account”. Also, the debited financial institution account corresponding to the account setting group preset by the card member at the time of application or the like can be displayed as, for example, “registered account”. The computer 100 can also output such information to the output device 208.

  Accordingly, the card member can check the usage details of the credit card, the usage amount of the credit card, and in which financial institution account the usage amount is debited by viewing such usage details. . In addition, the usage details may display the total amount of sales data (ie, “use amount” and “payment amount”) for each account setting group (ie, for each “settlement account”). Thereby, the card member can confirm how much the account withdrawal is made from which financial institution account for each payment purpose.

DESCRIPTION OF SYMBOLS 100 Computer of credit card company 101 Merchant terminal 102 Member terminal 103 Network 201 Transmission / reception part 202 Processing part 203 Memory 204 Sales database 205 Merchant information registration database 206 Account setting group database 207 Bus 208 Output device

Claims (6)

In an apparatus for distributing sales data for a specific card member to a plurality of financial institution accounts according to the type of business of the credit card member store where the sales data is generated,
For each merchant, and the member store information registration database storing merchant information including a merchant identification code identifying at least each merchant, a merchant industry code indicating the sector of the merchant,
For each account setting group set based on a specific industry, and account configuration group database storing account setting group data,
A member information registration database storing card member member information, including information on debited financial institution accounts pre-designated for each account setting group by each card member;
Sales data generated for a specific card member from a member store terminal of a specific member store, the identification information of the specific card member, the sales amount, and a member store identification code for identifying the specific member store Upon receipt of the sales data including the member store information including the same member store identification code as the member store identification code included in the received sales data from the member store information registration database, the member store of the specific member store Extraction means for extracting as information ;
From the account set groups included in the account configuration group database to identify the account setting groups corresponding to the affiliated store industry code included in the extracted merchant information, the account setting group code identifying the account configuration groups that are the specific Adding means to the sales data,
Based on the account setting group code added to the sales data, the sales included in the sales data from the information of the debited financial institution account of the specific card member stored in the member information registration database. apparatus characterized by drawn down to be used to debit amount and a means for identifying a financial institution account. Claim 1, wherein said sales amount contained in the sales data, that the above identified drawdown financial institution account information, further comprising output means for outputting a use details of the particular cardholder The device described in 1. In a computer, a method for distributing sales data for a specific card member to a plurality of financial institution accounts according to the type of business of the credit card member store where the sales data is generated, the computer for each member store , a merchant identification code identifying at least each merchant, and the member store information registration database storing merchant information including a merchant industry code indicating the sector of the merchant, an account established on the basis of specific industries to each setting group, including the account configuration group database that stores the account setting group data, the information of each card member by the draw-down is specified in advance for each account set group financial institution account, storing the membership information about the cardholder member possess the information registration database, the method comprising:
The computer is a step of receiving sales data generated for a specific card member from a member store terminal of a specific member store, the sales data includes the identification information of the specific card member, the sales amount, A merchant identification code identifying a particular merchant;
The computer extracting member store information including the same member store identification code as the member store identification code included in the received sales data as the member store information of the specific member store ;
The computer, from the account set groups included in the account setting group in the database, identify the account setting groups corresponding to the affiliated store industry code included in the extracted member store information identifying an account set groups that are the specific Adding an account setting group code to the sales data ;
Based on the account setting group code added to the sales data, the sales included in the sales data from the information of the debited financial institution account of the specific card member stored in the member information registration database. Identifying a debited financial institution account to be used for debiting the amount of money . 4. The method according to claim 3, further comprising the step of outputting the sales amount included in the sales data and the information of the identified debit financial institution account as usage details of the specific cardholder. the method of. A program for causing a computer to process sales data for a specific card member so that the sales data is distributed to a plurality of financial institution accounts according to the type of business of the credit card member store in which the sales data is generated. For member stores , based on a specific business type and a member store information registration database storing member store information including at least a member store identification code for identifying each member store and a member store type code indicating the type of business of each member store. in each set account set group, account includes an account set group database to the setting group data has been stored, the information of the draw-down financial institution account has been specified in advance for each account set group by each cardholder, member information of the cardholder It has a membership information registration database that stores, the program, the computer
Sales data generated for a specific card member from a member store terminal of a specific member store, the identification information of the specific card member, the sales amount, and a member store identification code for identifying the specific member store Upon receipt of the sales data including the member store information including the same member store identification code as the member store identification code included in the received sales data from the member store information registration database, the member store of the specific member store Extraction means for extracting as information ;
From the account set groups included in the account configuration group database to identify the account setting groups corresponding to the affiliated store industry code included in the extracted merchant information, the account setting group code identifying the account configuration groups that are the specific Adding means to the sales data ,
Based on the account setting group code added to the sales data, the sales included in the sales data from the information of the debited financial institution account of the specific card member stored in the member information registration database. A program that functions as a means for identifying a debit financial institution account to be used for debiting an amount. The computer is further caused to function as output means for outputting the sales amount included in the sales data and the information of the identified debit financial institution account as the usage details of the specific cardholder. The program according to claim 5.

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