JP2002032580A - System for changing service point to security - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a system for changing service points to security which can increase the effects of customer attraction and sales promotion. SOLUTION: This system changes service points that an affiliated store issues as a customer buys an article or service and has a step for storing the issued points on a point card that each card holder has, a step for registering the stored points on a managing server, a step for converting the points registered on the server into work funds, a step for using the converted work funds for an investment, and a step for distributing profits obtained by the investment to customers.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention invests and manages service points issued by a member company (member store) when a customer purchases a product or service, and distributes profits generated according to the number of points to the customer. It relates to a service point securitization system.

[0002]

2. Description of the Related Art At present, when a customer purchases an article at a store such as a supermarket, eats at a restaurant, stays at a hotel, or uses transportation such as an airplane, a point card with a so-called service point is issued. A sales promotion system based on service points, which enables a customer to obtain a new profit in accordance with the accumulated amount of the service points, has become widespread.

[0003]

However, at present,
The gain that customers get by saving service points is
Like discounts on goods or services you buy next,
There are only a few items that are priced according to the amount of points saved. In addition, in the current service point system, various points are issued independently by the point issuers, and the value of the points is different, so that one customer owns a plurality of point cards, which is not only troublesome to manage. However, there is a dissatisfaction that it takes a long time to accumulate each point and it is not possible to obtain a gain. In such a situation, there is a dissatisfaction that the effect of attracting customers and promoting sales is weak even at the member store of the point issuer. In view of the above-mentioned problems of the conventional technology, the present invention can provide a customer with an expectation that the gain obtained by saving service points will increase dramatically, To provide a service point securitization system that can eliminate the dissatisfaction that it takes time to accumulate products, and consequently increase the effect of attracting customers and promoting sales at merchants that issue points. It is intended for.

[0004]

Therefore, a service point securitization system according to claim 1 of the present invention is a system for securitizing a service point issued by a member store when a customer purchases a product or service. Storing the issued points in a point card owned by each card holder, registering the stored points in a management server, and converting the points registered in the management server into operating funds A step of investing the invested funds, and a step of distributing profits obtained from the investment management to each customer.

[0005] A service point securitization system according to claim 2 is characterized in that in the service point securitization system according to claim 1, service points from different issuers are integrated and operable. .

According to a third aspect of the present invention, there is provided a service point securitization system according to the first or second aspect, wherein the service point is attached to a recycled product or an ecological product. Features.

According to a fourth aspect of the present invention, there is provided a service point securitization system according to any one of the first to third aspects, wherein the security is a stock or a bond, a life insurance policy or a non-life insurance policy. There is a feature.

[0008] A service point securitization system according to claim 5 is characterized in that the service point has a monetary function in a closed area.

In the service point securitization system of the present invention, basically, service points are universally unified points, and a member store desiring to issue points purchases points, or a customer stores accumulated points. Set up a system management server as the secretariat to register. Then, the customer uses a transmission data terminal such as a personal computer installed in a customer's own or in a store or the like in a registration means prepared in advance in the system point management server, and transmits the product via a data transfer path such as a public communication line. Enter the number of points accumulated on the card due to the purchase of the card. Next, the accumulated points registered and stored in the system management server are converted into operating funds according to the number of points by the system management server, and the system management server entrusts the operating funds to the investment management server, and transfers stocks, bonds, etc. Purchase and manage securities. Then, the profit obtained by the investment management is distributed to customers.

In order to unify service points for general use, for example, new points (hereinafter referred to as “recycle points” or “eco points”) to be added to recycled products or ecological products are created. At present, awareness of environmental protection is increasing in society, and the re-use and effective use of resources are particularly demanded due to serious waste disposal problems. Local governments generally collect and dispose of garbage generated in consumption activities, but it is time to consider the appropriate sharing of responsibilities by manufacturers and distributors, and manufacturers and distributors are also companies that give consumers. Some environmental protection activities must be taken in consideration of the image. Therefore, with the introduction of this eco point system, customers themselves can also recycle, recycle, and purchase products with this recycling point or eco point added.
Awareness of being able to participate in social activities that solve waste management problems such as reuse on a daily basis can be encouraged. Motivation to improve

[0011] Further, in order for the customer to recognize the asset value of the purchased article, for example, the usage rate of recyclable parts in the purchased article is displayed, and the usage rate of this recycled part is converted into a point (recycling point). Service points can be unified even if issued as a service point.

[0012]

Embodiments of the present invention will be described below with reference to the drawings. FIG. 1 is an explanatory diagram showing a basic outline of a service point securitization system according to the present invention, FIG. 2 is a block diagram thereof, and FIG. 3 is a conceptual diagram of a recycle point system.

[0013]

Embodiment 1 A preferred embodiment of a service point securitization system according to the present invention will be described with reference to FIGS. Note that the computer processing in the present invention is executed on a main storage device of the computer by a computer program. The computer program is provided in an auxiliary storage device connected to the computer, a floppy (registered trademark) device, or the like. Disk or C
It is provided by being stored in a recording medium such as a portable storage device such as a D-ROM or a main storage device and an auxiliary storage device of another computer connected to a network such as the Internet or an intranet. In this case, the program is loaded on a main storage device of the computer and executed.

As shown in FIGS. 1 and 2, the point card system according to the present invention includes a client member, a member company or a store 2, a system operation secretariat 1, and a securities sales company 10 such as a securities company or an insurance company. The network is configured by a public communication line such as a telephone line or a dedicated communication line such as a LAN. The customer member can receive service points by presenting the point card 4 when conducting business transactions such as purchasing goods and services at the member company 2 of the system network. The member company 2 transmits the data of the business transaction with the customer member to the system operation secretariat 1 by the card data transmission terminal 3. As a result, service points corresponding to the transaction amount are issued based on the point issuance rate (the number of points issued to the selling price) determined in advance by the member company 2, and the service points are recorded on the card 4 owned by the customer member. Update by cumulatively adding points.

The point issuance rate can be determined, for example, for each type of business of the member company 2 or for each type of product / service to be provided. In addition, it can be set for each member company (member store) 2, but in order to unify service points for general use, for example, as shown in FIGS. It is preferable to create points (hereinafter referred to as eco points or recycle points). As a result, customers are aware that they can participate in social activities that solve waste management problems such as recycling and reuse of garbage by purchasing products with this eco-point or recycling point. It can be encouraged, and can be motivated to improve the desire to purchase a product in addition to the expectation of gain by the securitization of points. It should be noted that the customers referred to in the present invention naturally include companies, schools, governments, and various organizations.

The accumulated points of the customer registered and stored in the system operation secretariat 1 are converted into operating funds corresponding to the accumulated points by the system operation secretariat 1. , Buy and operate bonds. Then, the profit obtained by this investment management is distributed to the customer's deposit account. In addition, the system operation secretariat 1 manages points of customers and member companies 2, settles points, collects management information, and maintains the system. The settlement of points is paid to the system operation secretariat 1 by being deducted from the contribution (hereinafter referred to as point contribution) deposited from the client company 2 in advance.

Companies that have introduced existing point card systems (existing point card issuers), for example, companies A and B that issue their own point cards
When the companies C and C subscribe to the system of the present invention, the service points issued by the companies can be integrated as eco points or recycle points in the system. That is, Company A owned by the customer,
It is possible to unify and accumulate the points of a plurality of point cards of the companies B and C, thereby eliminating the trouble of managing the point cards and the dissatisfaction that it takes time to accumulate the points. In this case, it is assumed that the conditions for issuing the eco points or the recycling points (point issuance rates) in each of the companies A, B, and C can be independently determined by each company. A company (new issuer of a new point card) who newly joins this system also issues a point card 4 by independently determining the conditions for issuing eco points or recycling points.

FIG. 1 is an explanatory diagram showing the outline of the service point securitization system of the present invention. Hereinafter, the present system will be described as being implemented on a network centered on a system management server 1 as an office for issuing and registering service points and an investment management server 10 for performing investment management of the issued points. As shown in FIG. 1, a point card information terminal device 3 is installed in a store 2 of a member company (hereinafter, referred to as a member store 2), and the point card information terminal device 3 is a system management office serving as a system management office. It is connected to a host computer installed in the server 1 by a public communication line. Then, a point card 4 is issued to a customer who shop at the member store 2. For example, when a customer makes a purchase at a member store 2, the customer pays for the purchase and submits the point card 4 at the same time, and the point card 4 is sent to the point card information terminal device 3 (hereinafter referred to as an information terminal) installed in the store. By reading the data into a card reader / writer 3a, which is an input / output unit of the device 3, a point card 4 corresponding to the purchase amount can be obtained.
Will be recorded.

That is, the information terminal device 3 is installed in the company store 2 which has joined the service point system,
In addition to transmitting the transaction data to the system management server 1, it can issue a point card 4, read and write card data (update data), and print and display on the card 4.
The member store 2 issues a point card 4 to the customer. This card issuance is also performed by the system management server 1. The application data of the customer at the time of creating the card 4 is transmitted from each member store 2 to the system management server 1 and recorded in the customer information file 6 a by the customer information registration means 6. Then, when the customer purchases a product or service to be pointed at the member store 2, transaction data such as store data, customer data, sales amount, and date is transmitted from the information terminal device 3 to the system management server 1 via the public communication line. Sent.

At a later date, if the customer makes another purchase, the points corresponding to the purchase amount are added and accumulated in the point card 4. Of course, the information terminal device 3 adds this point number. Furthermore, the customer can use the same point card 4 even when shopping at another member store 2 which is a member store of the present system, and the point number is further added and recorded on the point card 4. As described above, the customer submits the point card 4 to the member store, so that a predetermined number of points is added to the point card 4 and accumulated and recorded.

The customer's point card 4 and the information terminal device 3 of the member store 2 record the total number of points obtained by counting the number of points issued to the customer. Then, the number of points recorded on the point card 4 is a predetermined number (for example, 10 points).
At this point, the customer enters the transmission data terminal device 5 (such as the personal computer owned by the customer or the personal computer installed in a store or the like) in the customer registration means 6 prepared in advance in the system management server 1. Using the input means 5a (3a) of the information terminal device 3), the predetermined number of points stored in the point card 4 is passed through the data transfer path such as a public telephone line, and the input means 5a is used. input. At the same time, the system management server 1 registers the investment points, keeps the accumulated points, and issues a personal identification number as an electronic key. Thereafter, the customer uses the display means 3b of the information terminal device 3 or the web site of the system management server 1 opened on the Internet with the display means 5b of the transmission data terminal device 5 to check the subsequent operation status of the registered points. The information can be browsed.

The accumulated points registered and stored in the point registration means 7 of the system management server 1 are converted into operating funds according to the number of points by the point cashing means 8 of the system management server 1. System management server 1
Entrusts this investment fund to the investment management server 10 (a securities sales company such as a securities company or an insurance company),
Purchase and operate bonds, etc. Then, the profit obtained by the investment management is distributed to each customer's deposit account. Depending on the customer's selection, the accumulated points can be used as they are to exchange them for shopping coupons or merchandise, or receive services such as discounts, just like conventional service points. As described above, when the accumulated points are registered as investment points or exchanged for shopping coupons, etc., a predetermined number of points are subtracted from the point card 4 and the number of remaining points is recorded.

The information terminal device 3 installed in the member store 2
Aggregate the number of points issued according to the entered sales amount
It can be recorded. Then, these data can be transmitted to the system management server 1 and recorded. The information terminal device 3 can also display the input data and the total data on a screen (display) 3b. Therefore, the system management server 1 records the sales data for each member store 2 and the total number of issued points, and the system management server 1 calculates the point contribution to the member store 2 based on the total number of points. Necessary materials and data are created based on these data.

Next, a specific operation of the present service point system will be described. For example, if the customer member is a member store 2
If you have a meal of 1,000 yen at a restaurant, the information terminal device 3 of the member store 2 will provide a service point 5
At the same time as the points are added and accumulated on the customer's point card 4, the number of issued points of 5 points is sent to the system management server 1, and the point contribution for 5 points is calculated. If the unit price of one point is assumed to be 30 yen, the member store 2 is obligated to pay 150 yen to the system management server (system operation secretariat) 1, and this 150 yen is paid to the system management server 1. It is deducted from the deposit stored in the member store account 9 and settled.

FIG. 2 is an explanatory diagram for explaining an example of data processing when the customer registers points accumulated in the point card 4 at a predetermined number or more in the system management server 1 and performs investment management by the investment management server 10. When the customer registers, for example, 1000 points from the accumulated points of the point card 4 owned by the customer, first, the customer uses the input means (keyboard) 5a from the transmission data terminal device 5 such as a personal computer owned by the customer to manage the system. Server 1
Is connected via the Internet (NET), and a request to register 1000 points stored in the point card 4 is input. Then, the system management server 1 prompts the customer to input an address, a name, a personal identification number and the like, and examines whether the customer is an authentic card holder. After passing the examination, the system management server 1 notifies the customer of the electronic key such as a new personal identification number and the point card 4.
A notification to the effect that 1000 points are to be registered in the point registration means 7 from the accumulated points, and a notification to reduce the number of points is given. This reduced number of points, 1000 points,
At a later date, when the card reader / writer 3a of the information terminal device 3 of the member store 2 reads the point card 4, it is deducted from the point card 4, and the remaining points are recorded on the point card 4. At the same time, the information terminal device 3
Sends transaction data such as customer code, investment points (minus 1000 points), transaction date, store code, etc. to the system management server 1. And the member store accounts 9 to 10
Reduce 00 points.

The system management server 1 is constituted by a large-capacity computer system, and stores transaction data sent from each member store 2 in a transaction data file 7a. Further, the system management server 1 includes a customer information file 6a in which customer information is recorded, a member store information file 9a in which member company information is recorded, and performs predetermined data processing such as file updating and counting.

The investment management server 10 is connected to the system management server 1 by a dedicated communication line 11, and performs investment management of the trust fund. Investment management means 12
Creates an electronic securities 13 in response to a security issuance request from the operating fund processing means 8a of the system management server 1, registers information including securities information and a customer ID in an investment customer database 14, and creates the electronic securities 13. 13 to the investing customer. The actual securities transaction (sell order) request is performed by the system management server 1, and is distributed to customers when a profit is obtained. However, in the case of profit and loss, the risk is low because the customer loses only the registered points.

In the service point system, for example, a service point is created as a new point to be added to an ecological product (hereinafter, referred to as an eco point), or a point is added to the value of a recyclable part in the product ( (Referred to as a recycling point) and recruit companies that manufacture and sell these products as member stores or investment companies. In addition, investment management of points is conducted for companies promoting ecological activities,
If the profit after operation can be selected as a donation to a local NPO such as a waste disposal company, it can be extremely effective as a system for supporting environmental protection activities.

[0029]

Embodiment 2 Next, another embodiment of the recycling point system will be described. For example, when the member company 2 is a home appliance maker, as shown in FIG. 3, a product code (for example, the end of a bar code) attached to an arbitrary home appliance includes a recyclable component included in the home appliance. Points (hereinafter, referred to as REP (recycled electric points)) are coded and added to the points (hereinafter, referred to as recycled parts), and the store (retailer) uses the barcode when delivering these products to customers. Is scanned so that the REP is accumulated in the customer's reward card. Then, when the home electric appliances sold as such recyclable products become unnecessary and are disposed of by the customer, they are handed over to a recycle processor (NPO) by the customer or the member company 2 itself. At a recycling company, the home appliances are dismantled by the processing industry,
The components that must be disposed while the recycled parts are delivered to the member company 2 are treated as industrial waste. And
Recycled parts are subject to manufacturer maintenance,
Reused in new products. Needless to say, the above member companies include not only home appliance manufacturers, but also vehicle manufacturers, food manufacturers using various packaging containers, etc., and of course, customers, companies, schools, governments, various organizations, etc. Shall be included.

The gist of the present invention is that service points issued by a member store are electronically securitized when a customer purchases a product or service, that is, the service points are converted into stocks, receivables, insurance policies, and the like. The point is that it is electronically securitized. Therefore, in a closed area such as a shopping district, a service point is provided with electronic money (area e).
The money function can be provided as money.

[0031]

As is apparent from the above description, according to the present invention, it is possible to give a customer the expectation that the gain obtained by saving service points will increase dramatically, This eliminates the hassle of managing and the time it takes to accumulate points,
As a result, there is an excellent effect that the effect of attracting customers and promoting sales can be increased at the member store of the point issuer. In addition, we will support environmental protection activities by investing points in companies that promote ecological activities, and by making the profit after operation as a donation to local NPOs such as waste disposal companies. There is an excellent effect that it can be extremely effective as a system that performs

[Brief description of the drawings]

FIG. 1 is an explanatory diagram showing a basic outline of a service point securitization system according to the present invention.

FIG. 2 is a block diagram of FIG. 1;

FIG. 3 is a conceptual diagram of a recycle point system.

[Explanation of symbols]

 1 system management server (system operation secretariat) 2 member companies (member stores) 3 card data information terminal device 3a card reader / writer 3b display means (display) 4 point card 5 transmission data terminal device 5a input means (keyboard) 5b display Means (display) 6 Customer registration means 6a Customer information file 7 Point registration means 7a Transaction data file 8 Point redemption means 8a Fund management processing file 9 Member store account 9a Member store information file 10 Investment management server 11 Dedicated communication line 12 Investment management means 13 Electronic Securities 14 Investment Client Database

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) G07G 1/12 321 G07G 1/12 321P

Claims (5)

[Claims] 1. A system for securitizing service points issued by a member store by purchasing goods or services by a customer, wherein the issued points are accumulated in a point card owned by each card holder.
A step of registering the accumulated points in the system management server, a step of converting the points registered in the system management server into operating funds, a step of investing and operating the cashed operating funds, and an investment operation. And distributing the profit to each card holder. 2. The securitization system for service points according to claim 1, wherein service points from different sources are integrated and made operable. 3. The service point securitization system according to claim 1, wherein the service point is attached to a recycled product or an ecological product. 4. The service point securitization system according to claim 1, wherein the security is a stock or a bond, a life insurance policy, or a non-life insurance policy. 5. The service point securitization system, wherein the service point has a monetary function in a closed area.