JP6495090B2 - Electronic payment tool issuance processing system - Google Patents

Description

  The present invention relates to an electronic payment tool issuing processing system for issuing and managing a credit card or other electronic payment tool having a point service function.

  In recent years, various types of electronic money have been widely used as means for settlement by electronic data communication. Electronic money types include postpayment methods such as credit cards, prepayment methods such as prepaid cards, and immediate payment methods such as debit cards, depending on the settlement method. In addition, the electronic money type includes an online type in which a host computer of an electronic money service company such as a financial institution or a credit card company that provides an electronic money service and a payment terminal are connected online, depending on a method of realizing payment. There are an off-line method in which payment is made with a payment terminal such as a magnetic card or an IC card, which is registered by digitizing the paid amount, and a transaction method in a virtual currency that can be used only between computer networks. Furthermore, in addition to card types such as magnetic cards and IC cards that have been conventionally used as electronic payment tools used for these payment processes, special shapes such as a key holder type and a wristband type have been adopted. Some of them have a payment tool function in an electronic device such as a mobile phone.

  In the recent credit card industry, many credit card companies issue affiliated credit cards in cooperation with specific business operators. Even with an affiliated credit card, it generally requires preparation and sending of application documents, manual entry of application information by the operator, and examination by the credit card company, etc., from application to issuance of the credit card. Need. It is desirable for customers to be able to use a credit card immediately after applying.

  Therefore, the applicant himself who becomes the card user inputs the necessary application information by operating the terminal device, and the input information is used as the card issue data, so that the input work by the conventional operator is omitted, and the credit card A card issuing system that shortens the time required for issuing has been proposed (see, for example, Patent Document 1). In addition, the credit card application by the tablet terminal is automatically reviewed, and if approved, the contract number is numbered and displayed on the same tablet terminal, so that even if there is no actual credit card, the contract number is used. A credit card issuance examination system that enables shopping by credit handling is known (see, for example, Patent Document 2).

  On the other hand, points calculated according to the purchase price of goods and the usage amount of services are given to registered customers in various retail businesses, transportation facilities, accommodation facilities, restaurants, financial institutions, etc. In addition, point services that allow users to receive benefits according to the number of points they hold are widely used. In general, the points earned by a customer are recorded directly on a point card or other medium issued to an individual customer at a terminal device of a store or facility where a product is purchased or a service is used, or the terminal device is In the server of the point service provider or management company, it is recorded in an account provided for each customer. In many cases, an ID is set for each customer account in the server, and customer data such as the customer's name or name, address, telephone number, and payment means are recorded and managed in association with the ID.

  Furthermore, a credit card with a point service function is widely used so that both a credit card function and a point service can be used with a single card. In order to simplify the operation at the time of transaction processing with this credit card, when the credit card is inserted into a POS (Point Of Sales) terminal device, the card data is transmitted to the host device, and the credit function and A card processing system is known in which both processes of points are continuously executed (see, for example, Patent Document 3).

  When updating an IC card such as a credit card with a point service function, a recording medium read / write method has been proposed for smoothly transferring the number of points acquired so far to a new IC card and transferring it over. (For example, see Patent Document 4). This method uses an old IC card set in a reader / writer to perform authentication processing using the authentication data transferred from the host computer, and uses the new IC card in which the reprint data sent to the host computer after authentication is set in the reader / writer. The security is ensured by writing to.

JP 2002-24920 A JP 2013-178694 A JP 11-339130 A JP 2003-196620 A

  The credit card with the point service function described above not only reduces the number of cards normally carried by the point card user, but also separates payment processing and point grant processing when paying with a credit card. This is advantageous because it eliminates the hassle of having to do it. However, when switching from a point card in use to a new credit card with a point service function, there is a possibility that a period during which the point card cannot be used may occur until the credit card is actually issued after the credit card is applied.

  Such inconvenience cannot be completely eliminated even by the card issuing system described in Patent Document 1, since examination after application for credit card, manufacture and delivery of credit card, etc. cannot be omitted. In the credit card issuance examination system described in Patent Document 2, the credit card application data is transmitted from the tablet terminal to the card application server, and the customer backbone server reads it from the card application server to automatically examine whether the card is issued. Therefore, it is not suitable for switching from a point card to a credit card.

  In the method described in Patent Document 4, in order to transfer points from an old IC card to a new IC card, the user must take both cards to the reader / writer connected to the host computer, which is troublesome. Moreover, there is an inconvenience that the new IC card point service cannot be used until the handover process is performed.

  Such inconveniences and problems are not limited to the case where a new credit card with a point service function is issued by switching from a point card in use. Even in the various types of electronic money described above, the same problem or inconvenience may occur when a new electronic payment tool such as a card type or a key holder type used for the payment is issued.

  In addition, in the point service, there is a case where only a customer account is set and registered, and a point card or other medium is not issued. In this case, it is difficult for the customer to understand how the original account is transferred to the new electronic payment tool. Therefore, unless the points are automatically transferred to a new electronic payment tool, the accumulated points may be lost because the customer does not know or forgets the procedure for transferring points.

  Therefore, the present invention has been made to solve the above-described problems of the prior art, and an object of the present invention is to provide a new credit card having the same point service function as a point card or other medium or a point service account. When switching to an electronic payment tool such as e.g., the customer can not use the original point card or account during the period from application to issuance of the electronic payment tool, or the point can be easily pointed out. An object is to provide an electronic payment tool issuance processing system capable of transferring a balance to a new electronic payment tool.

The electronic payment tool issuance processing system of the present invention is
An operator device of an operator who conducts a transaction with a customer using an electronic payment tool; and
The retailer ’s retailer ’s terminal,
A point management agent device having an integration source point storage unit that stores the number of points of the customer's integration source account and an integration destination point storage unit that stores the number of points of the customer's integration destination account; Electronic payment tool issuance processing system connected with
Each time a dealer terminal processes a transaction with an electronic payment tool with a customer, the transaction information is sent to the business entity device,
When the transaction related to the transaction information received from the dealer terminal is the first transaction by a specific customer's electronic payment tool, the business entity device performs point integration processing from the integration source account to the integration destination account on the point management device. Ask
The point management company device stores the number of points of the integration source account of the specific customer stored in the integration source point storage unit of the customer of the integration destination account of the specific customer stored in the integration destination point storage unit. The point integration process is executed by adding to the number of points.

  Here, unless otherwise specified, “account” means an account set and registered on the server of the point service provider or management company for each customer who receives the point service, and is a point card or other medium. If the points are directly recorded and managed, the point card or the medium itself is also included.

  According to the present invention, as described above, when a specific customer actually uses an electronic payment tool for the first time at an operator's store as a trigger, a point integration process is requested from the operator device to the point management company device. , The point balancer device will transfer the point balance of the integration source account to the electronic payment tool, which is the integration destination account, so that the customer will continue to work regardless of whether the electronic payment tool has arrived at hand. The original account and point balance can be used.

  In an embodiment, the point management company apparatus further performs a process of revoking a specific customer ID stored in the integration source point storage unit in the point integration process. As a result, it is possible to prevent the inconvenience of having double point service accounts for the same customer.

  In another embodiment, the business entity apparatus has a transaction information storage unit that stores transaction information of all customers transmitted from a dealer, and a transaction with a specific customer stored in the transaction information storage unit. The history is collated to determine whether or not the transaction related to the transaction information received from the store terminal is the first transaction by the electronic payment tool of the specific customer. This makes it possible to reliably determine the first use of the electronic payment tool at any store and perform the point integration process.

  In another embodiment, the business entity apparatus has a transaction information storage unit that stores transaction information of all customers in the store, and analyzes the transaction information stored in the transaction information storage unit. , Further having a function of outputting and / or storing in a predetermined manner. Thus, the customer transaction information transmitted from the dealer can be effectively utilized not only as a trigger for the point integration process but also in the business and management of the business operator.

  In some embodiments, the electronic payment tool is a credit card. As a result, it is particularly noticeable when issuing a credit card with a new point service function in a conventional credit card issuing system by switching from a point service account that is currently in use. The inconvenience that the service cannot be used can be solved.

  In another embodiment, the electronic payment tool may be a card type or a key chain type, and in any case, the present invention can be applied in the same manner, and the excellent effects can be obtained.

BRIEF DESCRIPTION OF THE DRAWINGS The whole block diagram of suitable embodiment of the credit card issue processing system to which this invention is applied. The block diagram which shows the structure of a credit card provider system. The block diagram which shows the structure of a partner company system. The block diagram which shows the structure of a point card management company system. The block diagram which shows the structure of a credit card manufacturer system. FIG. 2 is a flowchart for explaining a credit card issuance process in the credit card issuance processing system of FIG. 1. The flowchart explaining the process of point integration in the credit card issue processing system of FIG.

  Hereinafter, a preferred embodiment applied to a case where a credit card is issued using the electronic payment tool issuing processing system according to the present invention as an electronic payment tool will be described in detail with reference to the accompanying drawings.

  FIG. 1 schematically shows the overall configuration of an embodiment of a credit card issuance processing system to which the present invention is applied. The credit card issuance processing system of the present invention can continue to use the original point card until the customer who applied for switching the point card to a credit card with a new point service function receives the credit card. After receiving the credit card, the point balance can be transferred to the credit card promptly. In the following description, the “point card” includes a medium other than a card such as a widely used magnetic card.

  As shown in FIG. 1, the credit card issuance processing system 1 includes a credit card company system 2, a partner company system 3, a store system 4, a point card management company system 5, and a credit card company system 2. A card manufacturer's system 6 is connected to a network 7 consisting of a dedicated line or a public line and a communication line 8. Of course, the credit card company system 2 is connected to the system of other affiliated companies with which the credit card company is affiliated with other affiliated credit cards and general credit card member stores via the communication line 9. It is connected. The point card management company system 5 is also connected via a communication line 10 to other partner service systems operated and managed by the point card management company.

  Here, the partner company is a company that has partnered with the credit card company to issue a partner credit card. Unless otherwise specified, the retail store is a retail store handling merchandise of partner companies, for example, a gas station for an oil former dealer, and in the present invention, the dealer sells in a predetermined contractual relationship with the partner company. It includes both exclusive dealers and directly-managed dealers of partner companies. The point card management company manages and manages the point service with which the partner company is affiliated. The store is a member store of an affiliated credit card issued by the credit card operator and a member store of a point card operated and managed by the point card management operator.

  The credit card company system 2 includes a credit card management server 21 and a credit card member master database 22. The credit card management server 21 includes a communication unit 23, a card application information reception processing unit 24, a card application processing unit 25, a member master registration management unit 26, and a credit approval unit 27.

  The communication unit 23 has a function of communicating with the partner company system 3, the store system 4, and the point card management company system 5 via the network 7 and with the credit card manufacturer system 6 via the communication line 8. The card application information reception processing unit 24 has a function of receiving a credit card application from a customer and performing a process for examination. The card application processing unit 25 is a function for processing a credit card number that is permitted based on the examination result, a process for issuing a card manufacturing request to the credit card manufacturer system 6, a notification to a customer who is not permitted, and the like. Have The member master registration management unit 26 registers necessary member data such as a credit card number, name, and address of a customer who is permitted to issue a credit card in the credit card member master database 22, and further stores the credit card in the master database. It has a function to record and manage usage history. The credit approval unit 27 has a function of giving credit approval when a customer uses a credit card at a store.

  The partner company system 3 includes a company management server 31 and a credit card member master database 32. The business entity management server 31 includes a communication unit 33, a member master registration management unit 34, a sales information processing management unit 35, a point integration management unit 36, and a sales information analysis processing unit 37. The credit card member master database 32 is created in cooperation with the credit card member master database 22 of the credit card company system 2.

  The communication unit 33 has a function of communicating with the credit card company system 2, the store system 4, and the point card management company system 5 via the network 7. The member master registration management unit 34 cooperates with the credit card management server 21 to register necessary member data such as the credit card number, name, and address of the customer who issued the credit card in the credit card member master database 32. In addition, the master database has a function of recording and managing a credit card usage history and the like.

  The sales information processing management unit 35 has a function of determining whether or not the sales are the first use of the credit card when the customer purchases a product or service using the credit card at the store. When the sales information processing management unit 35 determines that the purchase using the credit card is the first use, the point integrated management unit 36 stores the point balance of the original point card in the credit card It has a function to request point integration to shift to.

  Further, the sales information processing management unit 35 records and manages sales information (amount, date, purchase contents, etc.) at a store in the credit card member master database 32 in association with credit card member data and / or usage information. can do. The sales information analysis processing unit 37 extracts the sales information accumulated in the credit card member master database 32 periodically or as needed, and uses it for analyzing business results and planning business plans as described later. It has the function of performing necessary processing so as to obtain, outputting and storing in a predetermined format.

  The store system 4 includes a credit card application terminal 41, a POS terminal 42, and a sales database 43. The credit card application terminal 41 is connected to the credit card management server 21 via the network 7. The POS terminal 42 is connected to the credit card management server 21 and the operator management server 31 via the network 7 so that the customer can use the credit card at the store to make a payment.

  The credit card application terminal 41 is for a customer to apply for switching a point card already owned to a new credit card with a point service function. For example, a mobile PC (personal computer) such as a tablet or a desktop It consists of a mold PC. Further, the credit card application terminal 41 is advantageously provided with a card insertion type or non-contact type card reader for reading information such as an ID and the number of points recorded on the point card.

  The sales database 43 is connected to the POS terminal 42, and in addition to member information of the customer of the sales store, sales information (sales amount, sales items (including products and services), quantity, unit price) of the sales store. Sales date and time, payment method, point use, etc.). The sales information stored in the sales database 43 is analyzed and examined at a later store and used for sales promotion.

  As described above, the partner company and the dealer have a close business relationship with each other and constitute one business group. Therefore, it can also be said that the affiliated company system 3 and the store system 4 construct one sales management system 11 as a whole.

  The point card management company system 5 includes a point management server 51, three databases, that is, a point information database 52 for point card members, a master database 53 for credit card members, and a point information database 54 for credit card members. Is provided. The point management server 51 includes a communication unit 55, a point card management unit 56, a member master registration management unit 57, and a point integration processing unit 58. The credit card member master database 53 is created in cooperation with the credit card member master database 32 of the partner company system 3.

  The communication unit 55 has a function of communicating with the partner company system 3, the store system 4, and the credit card company system 2 via the network 7. The point card management unit 56 has a function of registering point card member information in the point information database 52 and recording and managing a point card use history, that is, acquisition, use and revocation of points. The member master registration management unit 57 cooperates with the credit card management server 21 to associate necessary member data such as the credit card number, name, and address of the customer who issued the credit card with the information of the integration point card. The credit card member master database 32 is registered, and the credit card usage history is recorded and managed in the master database. The point integration processing unit 58 has a function of adding the point balance of the integration source point card to the credit card points in response to a request from the point integration management unit 36 of the partner company system 3.

  The credit card manufacturer system 6 includes a card manufacturing management server 61 and a card manufacturing device 62. The card manufacturing management server 61 includes a communication unit 63, a card information processing unit 64, and a card manufacturing management unit 65.

  The communication unit 63 has a function of communicating with the credit card company system 2 via the communication line 8. The card information processing unit 64 has a function of instructing the card manufacturing management unit 65 to manufacture a credit card based on the card issuance request and the card information received from the card application processing unit 25 of the credit card company system 2. The card manufacturing management unit 65 has a function of receiving a command from the card information processing unit 64 and driving and controlling the card manufacturing apparatus 62 to manufacture a credit card. Further, the card information processing unit 64 can perform a preparation process for sending the manufactured credit card to the customer.

  In the credit card issuance processing system 1 shown in FIG. 1, after applying for switching the point card originally owned by the customer to a new credit card with the same point service function, the actual credit card arrives at the customer's hand. The process steps up to will be described with reference to the flowchart of FIG.

  First, the customer operates the credit card application terminal 41 at the store, and the ID of the currently owned point card that is to be integrated into the credit card (referred to as A), personal information necessary for identity verification, and others Enter the necessary information for credit card application and apply for credit card. The credit card application terminal 41 connects to the point management server 51, transmits a customer ID = A as a point card member and personal information necessary for identity verification, and requests identity verification (step St1).

  A card reader connected to the credit card application terminal 41 or connected externally can be used to input the customer ID and personal information necessary for identity verification. As a result, it is possible to accurately input information and shorten the time required for input work.

  The point management server 51 causes the point card management unit 56 to collate the customer ID (= A) and necessary personal information with the point card member information stored in the point information database 52 to confirm the identity of the customer. Perform (Step St2). The result of identity verification is transmitted from the point card management unit 56 to the credit card application terminal 41 (step St3).

  If the identity cannot be verified, the credit card application terminal 41 transmits the already entered credit card application information to the credit card management server 21 as an application for a normal type credit card. In the following description, the description regarding the application process of a normal type credit card is abbreviate | omitted. If the identity is confirmed, the credit card application terminal 41 transmits the already entered credit card application information to the credit card management server 21 as an application for the point card integrated type credit card (step St4).

  The credit card management server 21 accepts and processes the credit card application of the point card integrated type in the card application information acceptance processing unit 24 (step St5), and uses it for the examination of the credit card company that determines whether or not the credit card issuance is permitted. At this time, the identity verification of the customer has already been completed by the point management server 51, and therefore it is not necessary to perform it again in the credit card management server 21.

  If the credit card issuance is approved as a result of the examination, the card application processing unit 25 issues a new credit card number and issues a new ID (referred to as B) for the point service. To do. The member master registration management unit 26 registers the new credit card number and ID in the credit card member master database 22 as member master information together with the integration point card ID (= A) and customer member information (step) St6).

  The member master information newly registered in the credit card member master database 22 in step St6 is transmitted to the business management server 31 in cooperation therewith and registered in the credit card member master database 32 by the member master registration management unit 34. (Step St7). The member master information newly registered in the credit card member master database 32 is transmitted to the point management server 51 in cooperation therewith and registered in the credit card member master database 53 by the member master registration management unit 57 ( Step St8).

  Further, among the member master information newly registered in step St6, ID (= B) and at least the card information necessary for manufacturing the credit card and sending it to the customer are linked to the registration of the member master information in step St6. Then, it is transmitted from the credit card management server 21 to the card manufacturing management server 61 together with the credit card manufacturing request. The card information received from the credit card management server 21 is processed by the card information processing unit 64 and sent to the card manufacturing management unit 65. The card manufacturing management unit 65 controls the driving of the card manufacturing device 62 to receive the credit card. Manufacture (step St9).

  The manufactured credit card is sent to the customer by mail, for example (step St10). In the present embodiment, the ID (= A) of the integration source point card is not recorded in the sent credit card. At this time, the point balance of the integration source point card ID (= A) is not integrated into the credit card integration destination point card (ID = B). Therefore, the integration source point card can be used as before, and the number of points newly acquired by the use is recorded in the point information database 52 by the point management server 51, added to the point balance, and exchanged for services and products. The number of points used for is subtracted from the point balance. On the other hand, when the credit card is used only as the integration destination point card (ID = B) at this time, the number of points acquired thereby is recorded in the point information database 52 by the point management server 51 as the acquired points of ID = B. Is done.

  In another embodiment, the credit card sent can be used only with the point service ID = A together with the credit card point service ID = B and the ID (= A) of the integration point card. It is recorded. However, at this time, the number of points with ID = B is 0 because the point integration processing between the integration source point card and the credit card is not performed. Also, the integration source point card, its ID (= A) and the point balance are valid as before.

  Next, in the credit card issuance processing system 1 of FIG. 1, after a new credit card with a point service function is actually issued, a point integration processing process for transferring the point balance of the integration source point card to the credit card is performed. This will be described with reference to the flowchart of FIG.

  When the customer uses the credit card received in step St10 for payment at the store, the POS terminal 42 that has received the credit card transmits the card information to the credit card management server 21 and confirms the credit (credit). Inquiry) is requested (step St11). In the credit card management server 21, the credit approval unit 27 collates the inquired credit card number with the member master information stored in the credit card member master database 22 to determine the validity of the credit card (step St12). The result is transmitted to the POS terminal 42.

  Further, the credit approval unit 27 transmits ID = B of the integration destination point card to the point management server 51 and inquires about the point balance (step St13). The point management server 51 confirms the point balance of ID = B stored in the point information database 54 by the point card management unit 56 (step St14), and transmits it to the credit card management server 21. The point management server 51 further checks whether there is ID = A associated with ID = B, and if there is, ID = A stored in the point information database 52 by the point card management unit 56. The point balance can be inquired and transmitted to the credit card management server 21. The point balance of the point card ID = B and / or A is transmitted to the POS terminal 42 via the credit card management server 21 (step St15) and displayed on the display screen.

  In another embodiment, when the ID (= A) of the integration source point card is also recorded on the credit card, the credit approval unit 27 transmits ID = A together with ID = B to the point management server 51, and The point balance is inquired (step St13). The point management server 51 confirms the point balance of ID = B stored in the point information database 54 and the point balance of ID = A stored in the point information database 52 by the point card management unit 56 ( In step St14), the data is transmitted to the credit card management server 21. Similarly, the point balance of the point card ID = B and / or A is transmitted to the POS terminal 42 via the credit card management server 21 (step St15) and displayed on the display screen.

  In step St14, when the credit card credit confirmation cannot be obtained, the POS terminal 42 refuses the credit card settlement, so that the credit card can only be used as a point card. In that case, if there is a point balance with the point card ID = B or ID = A, it can be used based on the use conditions of the point card.

  In step St14, when the credit card credit is confirmed, the POS terminal 42 performs a credit card settlement process (step St16). At this time, if there is a point balance with the point card ID = B or ID = A, it can be used for the credit card settlement based on the point card use conditions.

  The POS terminal 42 transmits the amount of points to be given out of the sales amount settled in step St16 to the point management server 51 together with the point card ID = B on the credit card, and requests the point assignment (step). St17). At this time, if the point balance of the integration source and / or integration destination point card is used for the settlement process in step St16, the point card ID = B or ID = A point is given simultaneously with the point grant with ID = B Request a checkout.

  The point management server 51 calculates the number of points to be granted by multiplying the sales amount received from the POS terminal 42 by a predetermined conversion rate in the point card management unit 56, and stores it in the point information database 54 for credit card members. The point card ID = B is recorded and saved (step St18). The calculated number of points can be transmitted from the point card management unit 56 to the POS terminal 42, displayed on the display screen of the POS terminal and / or described in a sales slip issued to the customer.

  In addition, the POS terminal 42 receives the sales information (sales amount, sales item (including products and services), quantity, unit price, sales date / time, settlement means, use of points, etc.) that has been settled in step St16 simultaneously with step St17. The data is transmitted to the business operator management server 31 (step St19). In the sales information processing management unit 35, the business management server 31 records and stores the sales information in the credit card member master database 22 in association with the credit card number used for the sales information (step St20).

  The sales information collected from each store in this way and accumulated in the credit card member master database 22 should be widely and effectively used by business partners for analysis of business performance and planning of business plans. Is possible. For example, if the partner company is an oil distributor such as the applicant of the present application, sales by item of various petroleum products sold through a number of dealers, sales by item by season and / or sales time This data is useful for grasping the sales trend and the purchasing tendency of the consumer from the comparison of the sales and quantity of each item by the purchase layer, the comparison of the sales and quantity by item, the comparison between the settlement method and the sales quantity, and the like. It is understood that this can be utilized as important data by other operators.

  Further, the sales information processing management unit 35 extracts the member master information of the credit card number used for the sales from the credit card member master database 32, and from the usage history, the credit card settlement in the sales is the credit card. To determine whether or not this is the first use at the store. When it is determined that the credit card is used for the first time, the point balance is transferred to the point management server 51 from the integration source point card (ID = A) to the credit card integration destination point card (ID = B). Point integration processing is requested (step St21). The request for the point integration process is recorded and stored in the credit card member master database 32.

  The point management server 51 performs the point integration process in the point integration processing unit 58 and adds the point balance of the integration source point card (ID = A) to the points of the credit card (point card ID = B) (step St22). . Further, the point management server 51 invalidates the ID (= A) of the integration source point card whose point balance becomes zero. Thereby, the point integration process ends.

  Further, the business management server 31 transmits the sales amount subject to credit card settlement among the sales information transmitted from the POS terminal 42 to the credit card management server 21 (step St23). The credit card management server 21 totals the sales amount received from the business entity management server 31 every month, and bills the customer according to predetermined payment conditions.

  The credit card issuance processing system of the above embodiment is not limited to the case where the integration source card is a point card and the integration destination card is a credit card. For example, when the integration source card is a credit card and the integration destination card is another credit card, the integration source and / or the integration destination card is an IC card other than the credit card or the above-described various types of electronic payment. The same applies to a tool.

  Furthermore, the credit card issuance processing system of the above embodiment can be similarly applied to a point service in which a point card or other medium is not issued by simply setting an account for each customer and registering it with the server. . In this case, the integration source card is read as an integration source account, and the integration destination card is read as an integration destination account.

  The preferred embodiments of the present invention have been described in detail above. However, as will be apparent to those skilled in the art, the present invention is not limited to the above-described embodiments, and it goes without saying that various modifications or changes may be made thereto.

DESCRIPTION OF SYMBOLS 1 Credit card issue processing system 2 Credit card company system 3 Partner company system 4 Dealer system 5 Point card management company system 6 Credit card manufacturer system 7 Network 8 Communication line 21 Credit card management server 22 For credit card members Master database 31 Business management server 32 Credit card member master database 41 Credit card application terminal 42 POS terminal 51 Point management server 52 Point card member point information database 53 Credit card member master database 54 Credit card member point information database 61 Card manufacturing management server 62 Card manufacturing device

Claims (6)

An operator device of an operator who conducts a transaction with a customer using an electronic payment tool; and
A dealer terminal of the business operator's dealer,
A point management agent device having an integration source point storage unit that stores the number of points of the customer's integration source account and an integration destination point storage unit that stores the number of points of the customer's integration destination account; An electronic payment tool issuance processing system connected via a communication line,
Each time the dealer terminal processes a transaction by the customer and the electronic payment tool, the transaction information is transmitted to the business entity device,
When the transaction related to the transaction information received from the store terminal is the first transaction by the electronic payment tool of a specific customer, the business entity device integrates the point management agent device from the integration source account to the integration source account. Request point integration processing to the destination account,
The integration of the specific customer stored in the integration destination point storage unit by the point management agent device storing the number of points of the integration source account of the specific customer stored in the integration source point storage unit An electronic payment tool issuance processing system, wherein the point integration processing is executed by adding to the number of points of the customer of the previous account.   The electronic payment tool issuance processing system according to claim 1, wherein the point management agent device further invalidates the ID of the specific customer stored in the integration source point storage unit in the point integration processing. .   The business entity device has a transaction information storage unit that stores transaction information of all customers transmitted from the dealer, and checks a transaction history with the specific customer stored in the transaction information storage unit Then, it is determined whether or not the transaction with the specific customer according to the transaction information received from the store terminal is the first transaction by the electronic settlement tool. The electronic payment tool issuance processing system described.   The business entity apparatus has a transaction information storage unit that stores transaction information of all customers in the store, and analyzes and outputs the transaction information stored in the transaction information storage unit in a predetermined format. The electronic payment tool issuance processing system according to claim 1, further comprising a function of storing and / or storing.   The electronic settlement tool issuance processing system according to any one of claims 1 to 4, wherein the electronic settlement tool is a credit card.   6. The electronic payment tool issuance processing system according to claim 1, wherein the electronic payment tool is of a card type or a key holder type.

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