JP2002298050A - Procurement point tie-up system, procurement point application device, procurement point settlement processing server, ic card, procurement point providing and application method, and program for making run procurement point providing and application method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To realize the replacement of procurement points with the other shop while holding the advantage (owner's merit) of a card issuer including the enclosure of users. SOLUTION: In a shop A, stored points for the procurement of 45,000 yen is 1350 P (number of owner points) (201). Next, the value is decreased by an amount of a rate (90%) predetermined between shops for the stored points through the use in shop B (use of non-owner's shop). Specifically, 90% is multiplied by the owner points of 1350 P to provide 1350×90%=1215 P (number of non-owner's points) (202). Since the procurement in shop B is 31,000 yen, when all points are used, a discount is made by the points equivalent to 1215 yen, and the amount for the use becomes 29, 795 yen. A difference in point becomes the merit of the owners.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a purchase point tie-up system, a purchase point allocating apparatus, and a purchase point tie-up system which can apply a purchase point given according to a purchase amount to all or a part of payment for another purchase. The present invention relates to a purchase point settlement processing server, an IC card, a method for providing and allocating purchase points, a program for causing a computer to execute the method for providing and allocating purchase points, and a computer-readable recording medium on which the program is recorded.

[0002]

2. Description of the Related Art Conventionally, a service is provided in which a purchase point is given to a customer at a predetermined rate for a purchase, and the purchase point is applied to all or a part of the purchase payment at the time of a subsequent purchase. It was done from. The purchase points are recorded on a magnetic card or an IC card possessed by the customer, and at the time of purchase, information on the purchase points recorded on those cards is rewritten. In addition, since the purchase points are generally given independently for each store or each affiliated store, they cannot be used at other stores.

[0003]

Here, if points cannot be exchanged between different stores, the customer must accumulate the purchase points for each store, and therefore, the customer must accumulate the purchase points. Since each store must have a card, etc., and each store has a specific point, in practice, it does not reach a certain point and is discarded without redeeming it, or the card is lost. Couldn't be more convenient. However, when the purchase points are used, the sales amount is reduced by the use of the purchase points, which affects the sales at the store. Therefore, when the points are exchanged, there is a problem that the profit of the card issuer is not measured, the customer cannot be enclosed, and the original purpose of giving the purchase points cannot be fulfilled.

The present invention solves these problems, and realizes exchange of purchase points with another store while securing the profits (owner's merits) of the card issuer including enclosing customers. Purchase point alliance system, purchase point allocation device, purchase point settlement processing server, IC card, purchase point allocation / allocation method, program for causing computer to execute purchase point allocation / allocation method, and recorded program It is an object to provide a computer-readable recording medium.

[0005]

Means for Solving the Problems The above-mentioned problems are solved,
In order to achieve the object, a purchase point tie-up system according to the first aspect of the present invention includes a purchase point granting / appropriating device provided in a plurality of stores,
A purchase point settlement processing server that performs settlement processing of the purchase points granted and allocated in the allocation device is connected to a network, and the purchase point allocation and allocation device is configured to perform purchases provided to the customer in accordance with the purchase amount. The computer reads the information on the number of owner points related to the number of points (hereinafter referred to as “owner points”) and the information of owner stores related to a predetermined store (hereinafter referred to as “owner store”) or the type of the owner store. Receiving means for receiving the owner point number information and the owner store information from a possible recording medium, and purchasing all or part of the owner point number at a store other than the owner store (hereinafter referred to as a “non-owner store”) All or part of the payment for A purchase point number conversion means for converting into a new purchase point number (hereinafter referred to as "non-owner point number") at a predetermined inter-store rate based on the owner store information received by the receiving means, and the owner point number Rewriting means for rewriting information on the number of owner points recorded on the recording medium so as to subtract the number of owner points which have been converted by the means for converting the number of purchased points, and non-owner points converted by the point number converting means. An appropriation means for appropriating an amount corresponding to the number to all or a part of payment for purchase at the non-owner store,
The owner store information, the information about the number of owner points that have been converted by the purchase point number conversion means, and the information about the number of non-owner points that have been allocated by the allocation means, Payment information transmitting means for transmitting to the server, the purchase point payment processing server, the owner store information on the owner store transmitted from the purchase point granting and allocating device, and conversion of the conversion of the purchasing point allocating device Receiving means for receiving the owner point number information on the number of target owner points and non-owner point number information on the number of non-owner points targeted for allocation by the purchase point allocation apparatus, Owner store information, owner point number information and Based on the information on the number of non-owner points, the store that has given the number of owner points converted by the purchasing point apportioning device to the customer and paid by the store and / or the amount corresponding to the number of non-owner points is purchased. And a purchase point settlement amount calculation means for calculating a payment amount to be paid to a store that has been allocated to all or a part of the payment for.

According to the first aspect of the present invention, when a purchase point given at an owner store is used at a non-owner store, the value of the point is reduced.

According to a second aspect of the present invention, there is provided a purchase point tie-up system provided in a plurality of stores, and a purchase point provided and allocated in the purchase point allocating and allocating device. And a purchase point settlement processing server that performs settlement processing of the customer is connected via a network, and the purchase point granting / appropriation device uses the purchase point number (hereinafter referred to as “owner point number”) given to the customer in accordance with the purchase amount. ), And the number of owner points is determined from a computer-readable recording medium in which information on the number of owner points and a predetermined store (hereinafter referred to as “owner store”) or owner store information on the type of the owner store are recorded. Receiving means for receiving information and the owner store information, When all or part of the number of owner points is applied to all or a part of payment for purchase at a store other than the owner store (hereinafter referred to as “non-owner store”), it is based on owner store information received by the receiving means. Purchase point number conversion means for converting into a new purchase point number (hereinafter referred to as "non-owner point number") according to a predetermined inter-store rate, and conversion from the owner point number by the purchase point number conversion means. Rewriting means for rewriting the owner point number information recorded on the recording medium so as to subtract the owner point number, and purchasing at the non-owner store an amount corresponding to the non-owner point number converted by the point number conversion means. All or part of payment for And appropriation means that,
The owner store information, the information about the number of owner points that have been converted by the purchase point number conversion means, and the information about the number of non-owner points that have been allocated by the allocation means, Payment information transmitting means for transmitting to the server, the purchase point payment processing server, the owner store information on the owner store transmitted from the purchase point granting and allocating device, and conversion of the conversion of the purchasing point allocating device Receiving means for receiving the owner point number information on the number of target owner points and non-owner point number information on the number of non-owner points targeted for allocation by the purchase point allocation apparatus, Owner store information, owner point number information and Based on the non-owner points information, characterized in that and a Owner benefits calculating means for calculating the payment amount paid to the owner stores.

According to the second aspect of the present invention, when a purchase point given at an owner store is used at a non-owner store, the value of the point is reduced, and all of the reduced values are reduced. Or a part can be made the owner's merit.

[0009] Further, in the purchase point alliance system according to the third aspect of the present invention, in the first or second aspect of the invention, the recording medium is an IC card, and the receiving means and the rewriting means include the IC card. An interface which can be connected to an IC card to transmit and receive data is provided.

[0010] According to the third aspect of the invention, the reading and rewriting of the purchase point number information can be easily performed.

[0011] Further, the purchase point appropriation device according to the invention according to claim 4 provides owner point number information relating to the purchase point number (hereinafter referred to as "owner point number") given to the customer according to the purchase amount, Receiving the owner point number information and the owner store information from a computer-readable recording medium in which a predetermined store (hereinafter referred to as “owner store”) or owner store information relating to the type of the owner store is recorded. When all or a part of the number of owner points is applied to all or part of payment for purchase at a store other than the owner store (hereinafter referred to as “non-owner store”), Store-to-store information based on the owner store information Point conversion means for converting into a new purchase point number (hereinafter referred to as "non-owner point number") in accordance with the number of purchase points, and the number of owner points converted by the purchase point number conversion means being subtracted from the owner point number. A rewriting means for rewriting the owner point number information recorded on the recording medium so as to perform the payment for the purchase at the non-owner store in one or all of the amount corresponding to the non-owner point number converted by the point number conversion means. And a allocating means for allocating to the section.

According to the fourth aspect of the present invention, when a purchase point given at an owner store is used at a non-owner store, the value of the point is reduced.

[0013] In addition, the purchase point appropriation device according to the invention described in claim 5 is the invention according to claim 4,
Further, the owner store information, information on the number of owner points converted by the purchase point number conversion means, and information on the number of non-owner points allocated by the allocation means, A payment information transmitting means for transmitting to a purchase point payment processing server for performing payment processing is provided.

According to the fifth aspect of the present invention, it is possible to improve the efficiency of the settlement processing of the purchase points.

According to a sixth aspect of the present invention, in the purchase point allocation device according to the fourth or fifth aspect, the points given to the recording medium based on the owner store information are paid for the purchase. Determination means for determining whether or not it is possible to apply to all or a part of the information processing means, and, as a result of the determination by the determination means, a notification means for notifying that it is determined that it is not possible to apply, It is characterized by having.

According to the invention described in claim 6, it is possible to easily inform the customer whether or not the store is a store where the purchase points can be exchanged.

[0017] According to a seventh aspect of the present invention, in the purchase point allocation apparatus according to any one of the fourth to sixth aspects, the purchase point allocation apparatus responds to a purchase except for the amount of money allocated by the allocation means. Purchase point calculation means for calculating the purchase point number by rewriting the owner point number information recorded on the recording medium so as to add the purchase point number calculated by the purchase point calculation means. Features.

According to the invention described in claim 7, the purchase points can be accumulated even in the non-owner store.

[0019] According to an eighth aspect of the present invention, in the purchase point allocation apparatus according to any one of the fourth to seventh aspects, the recording medium is an IC card,
The receiving means may include an interface capable of transmitting and receiving data by connecting to the IC card.

According to the invention described in claim 8, the reading and rewriting of the purchase point number information can be easily performed.

According to the ninth aspect of the present invention, the purchase point settlement processing server is provided with owner store information relating to a predetermined store (hereinafter referred to as “owner store”) transmitted from the purchase point appropriation device. Owner point number information relating to the number of purchase points (hereinafter referred to as “owner point number”) given to the customer according to the purchase amount, which has been converted by the purchase point allocation device, and the allocation of the purchase point allocation device. When all or a part of payment for purchase at a store other than the owner store (hereinafter referred to as “non-owner store”) is applied, a new inter-store rate based on the owner store information is used. Non-owner points related to purchase points (hereinafter referred to as "non-owner points") Receiving means for receiving the betting amount information,
Payment based on the owner store information, the owner point number information, and the non-owner point number information received by the receiving means, which is paid by the store that has given the customer the number of owner points subject to conversion by the purchasing point apportioning device to the customer. A purchase point settlement amount calculation means for calculating a payment amount to be paid to a store in which the amount and / or the amount corresponding to the number of non-owner points is used for all or a part of the payment for the purchase. .

According to the ninth aspect of the present invention, when a purchase point given at an owner store is used at a non-owner store, the value of the point is reduced, and settlement between the stores is performed. Processing can be performed efficiently.

[0023] The purchase point settlement processing server according to the invention of claim 10 may further include: owner shop information relating to a predetermined shop (hereinafter referred to as "owner shop") transmitted from the purchase point appropriation apparatus; Owner point number information relating to the number of purchase points (hereinafter referred to as “owner point number”) given to the customer according to the purchase amount, which has been converted by the purchase point allocation device, and the allocation of the purchase point allocation device. When all or a part of payment for purchase at a store other than the owner store (hereinafter referred to as “non-owner store”) is applied, a new inter-store rate based on the owner store information is used. Non-owner points related to purchase points (hereinafter referred to as “non-owner points”) Receiving means for receiving the number-of-points information, and owner's merit calculating means for calculating a payment amount to be paid to the owner-store based on the owner-store information, the number of owner points, and the number of non-owner-points received by the receiving means. And characterized in that:

According to the tenth aspect of the present invention, when a purchase point given at an owner store is used at a non-owner store, the value of the point is reduced, and the reduced value is entirely reduced. Alternatively, a part is given to the owner store as the owner's merit, and the settlement process between the stores can be efficiently performed.

Further, according to the eleventh aspect of the present invention,
The C card includes information on the number of owner points related to the number of purchase points (hereinafter referred to as “owner points”) given to the customer according to the purchase amount, and a predetermined store (hereinafter referred to as “owner store”) or the owner. Storage means for storing owner store information relating to the type of store, and all or part of the number of owner points relating to the information on the number of owner points stored by the storage means are stored in a store other than the owner store (hereinafter referred to as a "non-owner store"). ), Receiving means for receiving information on the non-owner store, and owner store information stored by the storage means and the non-owner received by the receiving means when the payment is applied to all or part of the purchase payment Predetermined store-to-store information based on store-related information Purchase point number conversion means for converting the purchase point number into a new purchase point number (hereinafter, referred to as “non-owner point number”) by a client, and transmission means for transmitting information on the non-owner point number converted by the purchase point number conversion means. , Is provided.

According to the eleventh aspect of the present invention, even if there is no purchase point apportioning device, if the purchase points given at the owner store are used at the non-owner store, the value of the points is reduced. Can be.

Further, according to the twelfth aspect of the present invention,
The C-card according to claim 11, wherein the number of owner points stored by the storage means is further subtracted from the number of owner points by the number of owner points converted by the purchase point number conversion means. A rewriting means for rewriting information is provided.

According to the twelfth aspect of the present invention, even if there is no purchase point apportioning device, if a purchase point given at an owner store is used at a non-owner store, the value of the point is reduced. Point can be adjusted.

According to a thirteenth aspect of the present invention, in the method for granting and allocating purchase points, the computer stores information on the number of purchase points (hereinafter referred to as “owner point number”) given to the customer in accordance with the purchase amount. A point-of-purchase-point-information recording step of recording using a readable recording medium, and changing all or a part of the number of owner points recorded on the recording medium to a store other than a predetermined store (hereinafter referred to as “owner store”). A new purchase point at a predetermined inter-store rate based on information on the owner store or the type of business of the owner store when all or part of the payment for purchase at the store (hereinafter referred to as “non-owner store”) is applied. Conversion of points purchased (hereinafter referred to as "number of non-owner points") A rewriting step of rewriting the owner point number information recorded on the recording medium so as to subtract the owner point number converted by the purchase point number conversion means from the owner point number, and the point number conversion step. And an application step of applying an amount corresponding to the number of non-owner points converted by the above to all or a part of payment for purchase at the non-owner store.

According to the thirteenth aspect of the present invention, when a purchase point given at an owner store is used at a non-owner store, the value of the point is reduced.

According to a fourteenth aspect of the present invention, there is provided a method for assigning and allocating purchase points according to the thirteenth aspect, further comprising the step of purchasing points according to the purchase except for the amount of money allocated in the allocating step. A purchase point calculation step of calculating the number of points, wherein the rewriting step rewrites the owner point number information recorded on the recording medium so as to add the purchase point number calculated in the purchase point calculation step. .

According to the fourteenth aspect of the present invention, when a purchase point given at an owner store is used at a non-owner store, the point can be adjusted so as to reduce the value of the point.

According to a fifteenth aspect of the present invention, there is provided a method for assigning and allocating purchase points according to the thirteenth or fourteenth aspect, further comprising: owner store information relating to the owner store, conversion of the purchase point allocation device. The conversion target in the purchase point number conversion step is based on the owner point number information on the number of owner points that have been the target and the non-owner point number information on the non-owner point number that has been the target of the purchase point allocation device. The payment amount paid by the store that has given the number of owner points to the customer and / or the payment amount paid to the store that has allocated all or a part of the payment for purchase to the amount corresponding to the number of non-owner points is calculated. It is characterized by including a point settlement amount calculation step.

According to the fifteenth aspect, when a purchase point given at an owner store is used at a non-owner store, the value of the point is reduced, and settlement between the stores is performed. Processing can be performed efficiently.

According to a sixteenth aspect of the present invention, in the invention of any one of the thirteenth to fifteenth aspects, there is further provided owner store information relating to the owner store, Pay to the owner store based on the owner point number information regarding the number of owner points that have been converted by the point allocation device and the non-owner point number information regarding the number of non-owner points that have been allocated using the purchased point allocation device. The method includes an owner's merit calculation step of calculating a payment amount.

According to the sixteenth aspect of the present invention, when a purchase point given at an owner store is used at a non-owner store, the value of the point is reduced, and all of the reduced values are reduced. Alternatively, a part is given to the owner store as the owner's merit, and the settlement process between the stores can be efficiently performed.

According to a seventeenth aspect of the present invention, there is provided a program for causing a computer to execute the method according to any one of the thirteenth to sixteenth aspects.

The computer-readable recording medium according to the invention of claim 18 is the computer-readable recording medium of claim 17.
The program described in (1) is recorded.

According to the eighteenth aspect of the present invention, by recording a program for causing a computer to execute the method according to any one of the thirteenth to sixteenth aspects, the program becomes readable by a computer. Operations 13 to 16 can be realized by a computer.

[0040]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS With reference to the accompanying drawings, a purchase point tie-up system, a purchase point allocation device, a purchase point settlement processing server, an IC card,
DESCRIPTION OF THE PREFERRED EMBODIMENTS Preferred embodiments of a method for giving and allocating purchase points, a program for causing a computer to execute the method for giving and allocating purchase points, and a computer-readable recording medium on which the program is recorded will be described in detail.

(Outline of Purchase Point Alliance System) First, an outline of the purchase point alliance system according to the present invention will be described. FIGS. 1 to 3 are explanatory diagrams showing an outline of a purchase point alliance system according to the embodiment of the present invention.

In FIG. 1, the purchase point tie-up system according to the present embodiment includes a plurality of stores 101 and 102.
And a processing center 103. Store 1
01 is, for example, an outlet shop (A outlet shop (accessory shop));
1 is provided with a purchase point (granting / applying) allocation device (POS terminal device) 111. Similarly, the store 102
For example, it is a shopping center (B shopping center (bag, shoe store)), and the store 102 is also provided with a purchase point (granting / applying) allocating device (POS terminal device) 121.

The processing center 103 comprises a credit host (host computer) 131 and an IC point server (purchase point settlement processing server) 132. The credit host 131 is connected to POS terminal devices of each store via a network (not shown) including the Internet, and the usage status of credit cards (sales status) in each POS terminal device.
Receive information about IC point server 1
Reference numeral 32 is connected to a purchase point (grant / assignment) allocating device (POS terminal device) of each store by a network (not shown) including the Internet, and information on purchase points in each purchase point (grant / assignment) device. To receive.

Here, the outline (mechanism) of the purchase point tie-up system will be described using a specific case. FIG.
It is an explanatory view showing an outline (an example of purchase point allocation processing) of a purchase point alliance system concerning this embodiment of the present invention. First, the customer uses the credit card (IC card) 100 to shop at the store 101 (owner store) for 45,000 yen. 20 shown in FIG.
1 shows the details. In FIG. 2, the purchase is 4
This is 5,000 yen, and since the purchase points are not used this time, the usage amount is 45,000 yen. And store 10
Since the (purchase) point grant (accumulation) rate in 1 is 3%, the accumulation (purchase) points for 45,000 yen is 1350P (the number of owner points).

Since the accumulated (purchased) points up to the previous time are 0P, the accumulated (purchased) points this time are the sum of the accumulated (purchased) points, and the total of the accumulated (purchased) points is 1350P. Then, the same customer,
Using the same credit card (IC card) 100, 3100 at the store 102 (non-owner store)
Shopping for 0 yen. Reference numeral 202 shown in FIG. 2 shows the details.

Here, use at another store (use at non-owner store)
Therefore, the value of the accumulated (purchased) points is reduced by the predetermined inter-store rate (90%). Specifically, 1350 × 90% = 1215P (the number of non-owner points) by multiplying the owner point of 1350P by 90%.

Since the purchase at the store 102 is 31,000 yen, if all (purchase) points are used, a (purchase) point discount of 1215 yen is obtained, and the use amount is 2979.
It will be 5 yen. The customer pays the 29795 yen using a credit card (IC card) 100.
Therefore, (purchase) points are given (stored) in the store 102 for the amount actually paid by the customer. Since the (purchase) point accumulation rate in the store 102 is 3%, the (purchase) points to be granted (accumulated) are 29975 × 3% = 893P.

Since all the accumulated (purchased) points have already been used, the current accumulated (purchased) point 893P is the total accumulated (purchased) points. In this way, even points purchased (purchased) at the owner store can be used at other stores. However, by reducing the value of the (purchase) point, it is possible to secure the owner's merit (details will be described later) in the owner store.

Here, for the point 893P accumulated in the store 102, there are two possible allocation methods. The first method is to use the 893P as an owner point (number). In the case of this method, when the customer applies the points to the purchase at the store 102 again,
Since the above 893P is an owner point (number), when it is actually applied, the 893P is set according to the rate between stores.
× 90% = appropriate for 804P.

In addition, basically, in the store 102 (non-owner store), the same point accumulation rate is applied to both the company card and the other company's card. If desired, the point giving rate may be changed. In particular,
It can be as follows.

In the store 102, the point award rate is set to 100% for the card issued by the store 102. Number of points allocated = Usage amount × Point accumulation rate × Point grant rate = 29975 × 3% × 100% = 893P

In the store 102, the card issuance rate is 90% for cards issued by other companies. Number of points allocated = amount of use x point accumulation rate x point grant rate = 29975 x 3% x 90% = 804P

Second, the 893P is the store 102
This is a method in which the above-mentioned inter-store rate is not applied only when used in the store 102 because the points are accumulated in the store 102. In that case, it can be used for payment as 893P. In this case, the purchase points are recorded for each assigned store without adding the accumulated points to the remaining points.

Next, the store 101 and the store 102
Will be described. FIG. 3 is an explanatory diagram showing an outline (an example of a payment process) of the purchase point alliance system according to the embodiment of the present invention. Purchasing information (card sales information) and (purchase) point granting / appropriation information at each of the stores 101 and 102 are transmitted to the processing center 103. Processing center 1
In 03, the credit host 131 and the IC point server 132 perform a settlement process based on each information transmitted from each store. FIG. 3 shows the details of the purchase settlement process (credit) and the (purchase) point granting / appropriation settlement process (common (purchase) point program between alliances) in the stores 101 and 102.

At 301 in FIG. 3, as the settlement related to credit, the amount of credit used in the store 101 is 45,000 yen. The merchant fee is 45
The number of points (purchased) of 1350P (yen) granted at the store 101 is subtracted from the credit usage amount of 000 yen (43650 yen), and the member store commission rate (4%)
The amount multiplied by becomes the merchant fee. Therefore, the member store commission this time is 1746 yen. Therefore, the credit subtotal is 43254 yen.

Similarly, at 302 in FIG. 3, in the case of payment for credit, the amount of credit used in the store 102 is 29,975 yen, and the member store fee is 29,975.
The number of points (purchased) 893P (yen) awarded at the store 102 is subtracted from the credit usage amount of the yen (2)
8902 yen), and the amount multiplied by the affiliated store commission rate (3.5%) is the affiliated store commission. Therefore, the member store commission this time is 1011 yen. Therefore, the credit subtotal is 28784 yen.

Next, the settlement processing of purchase points (common (purchase) point program between alliances) will be described.
In 302 of FIG. 3, first, (purchase) point reduction is added. The (purchase) point redemption amount is the number of purchase points (the number of owner points) accumulated in the credit card (IC card) 100 when the purchase is made in the store 102, and is 1350P. Then, 135 yen, which is a difference obtained by subtracting the number of points (purchased) actually used in the store 102 (the number of non-owner points) from the number of owner points, is subtracted from the difference of use at other stores (the difference between use at other stores). Will be described later).

Further, the number of points (purchased) 893 yen (purchased) given in the store 102 is subtracted. As a result, the subtotal of the common (purchase) point program between alliances is 3
It will be 22 yen. As a result, the total (transfer amount) paid to the store 102 in total with the credit subtotal is 291
06 yen.

The settlement processing can be similarly performed at 301 in FIG. That is, first, since the (purchase) points were not used, the (purchase) point return is 0.
It becomes a circle. Next, another store use return difference is added. This is to add the remaining (67 yen) obtained by subtracting 50% for the consumption tax and other troubles from the difference of 135 yen for the other store use subtracted in the settlement processing of the store 102 in 302 of FIG. It is. This is the above-mentioned owner's merit.

In other words, the owner's merit is that when a (purchase) point is used at another store, its value is reduced as compared with when the point is used at the owner store. . Thus, it is possible to substantially enclose customers. Also, from the point of view of the product lineup, even if the enclosure is not possible, the owner store will receive all or part of the difference in use of the above (purchase) points, Become.

At the time of this settlement processing, the store 101, which is the owner store, was unable to enclose the customer, but was able to receive the other store use return difference (67 yen).

The store 101 pays 1350P for (purchase) points given at the time of purchase from the difference of use of other stores at 67 yen.
(Yen) is subtracted, and the subtotal becomes minus 1283 yen.
This is added to the subtotal of the credit, and the total amount of payment (transfer amount) to the store 101 is 43254 yen−128.
3 yen = 41971 yen.

The above contents are summarized as follows. (1) Credit usage amount: (a) Credit usage amount is calculated from the purchase price (purchase)
This is the amount after deducting the point discount. (B) After subtracting the (purchase) point grant from the credit usage amount, the member store commission is calculated.

(2) Funds with purchase points: (a) Funds with (purchase) points are borne by the member stores, so from the viewpoint of the processing center (credit card company) 103, (purchase) point addition is cost billing, (purchase) Points will be paid as expenses. (B) Funds with (purchase) points are not considered deposits,
(Purchase) points are treated as profits, and (purchase) points are treated as payments. (C) If you use (purchase) points at other stores,
(Purchase) Since it is assumed that payment of consumption tax or the like may be required as a point purchase transaction, prepare a fund for consumption tax and other fees.

(3) (Purchase) Settlement timing of point funds: It is preferable to process at the same timing as the settlement of credits.

(Hardware Configuration of Purchase Point Allocation Apparatus / IC Card) Next, the hardware configuration of the purchase point allocation / appropriation apparatus and the IC card will be described. FIG. 4 is an explanatory diagram (block diagram) illustrating a hardware configuration of the purchase point allocation device according to the embodiment of the present invention. In the block diagram of FIG.
Is a CPU that controls the entire apparatus, and 402 is an RO that stores a basic input / output program (boot program) and the like.
M and 403 indicate a RAM used as a work area of the CPU 401, respectively.

An HDD (hard disk drive) 404 controls reading / writing of data from / to an HD (hard disk) 405 under the control of the CPU 401, and an HD 405 stores data written under the control of the HDD 404. Are respectively shown.

Reference numeral 406 denotes a display for displaying various data such as cursors, menus, windows, and characters and images, and 407 denotes a speaker for outputting voices, sound effects, and the like. Also, 408
Indicates a read / write unit that transmits and receives data to and from the IC card 100. Details of the read / write unit 408 will be described later.

A keyboard 409 has a plurality of keys for inputting characters, numerical values, various instructions, etc.
Reference numeral 10 denotes a printer for printing on recording paper. Reference numeral 411 denotes a network interface (I / F) connected to a network such as the Internet and configured by a modem or a terminal adapter functioning as an interface between the network and the CPU 401. And 400
Is a bus for connecting the above components.

The keyboard 409 may be a group of operation keys including instruction buttons (keys) for operating the purchase point allocation device. Further, the operation key group is a touch panel type display 406, and may be soft keys displayed on the display 406.

FIG. 5 is an explanatory diagram (block diagram) showing a hardware configuration of the IC card 100 and its read / write unit 408 of the purchase point tie-up system according to the embodiment of the present invention.

In the block of FIG. 5, the (contact type) IC
The card 100 includes a microcomputer unit including a CPU 501, an I / O port 502, and a memory 503, and an RF I / F 504 having a non-contact power transmission function, a non-contact signal transmission function, a clock generation function, a reset signal generation function, and the like. It comprises an RF unit and a non-contact I / F 505. The read / write unit 408 is provided with a non-contact I / F
511 and an I / F circuit 512. Also,
In this embodiment, an example of a non-contact type and close contact type IC card has been described. However, the present invention is not limited to this, and a contact type IC card may be used.

(Functional Configuration of Purchase Point Allocation Apparatus) Next, the functional configuration of the purchase point allocation apparatus according to the embodiment of the present invention will be described. FIG. 6 is an explanatory diagram (block diagram) illustrating a functional configuration of the purchase point allocation device according to the embodiment of the present invention. In the block diagram of FIG. 6, the purchase point allocation device 121 (111)
Is a receiving unit 601, an inter-store rate table 602,
A purchase point number conversion unit 603, a rewriting unit 604,
Appropriation unit 605, notification unit 606, and settlement information transmission unit 60
7 is comprised.

The receiving section 601 is provided with owner point number information on the number of owner points, which is the number of purchase points given to the customer according to the purchase amount, and information on the owner store which is a predetermined store or the type of the owner store. The IC card 100 on which the owner store information is recorded, the owner point number information, and the owner store information are received. Receiving section 601 is, for example, as shown in FIG.
The function can be realized by the read / write unit 408 shown in FIG. That is, the receiving unit 601 includes an interface capable of transmitting and receiving data by connecting to the IC card 100. Further, as described above, since the IC card includes the contact type IC card, in that case, the receiving unit 601 may be provided with only the function of reading the IC card.

The inter-store rate table 602 stores information on a predetermined inter-store rate and information on whether or not it is possible to associate (exchange) purchased points between stores. This inter-store rate table 602
Are, for example, the ROM 402 and the RAM 40 shown in FIG.
3. The function can be realized by the HD 405.

Further, the purchase point number conversion unit 603 converts all or a part of the number of owner points into a non-owner store (that is, a store 10) other than the owner store.
When the payment for the purchase in 2) is applied to all or a part of the purchase, a new purchase based on the inter-store rate stored in the inter-store rate table 602 based on the owner store information received by the receiving unit 601 is performed. Convert to the number of non-owner points, which is the number of points.

The purchase point number conversion unit 603 includes, for example, the ROM 402, the RAM 403, and the HD 405 shown in FIG.
The functions can be realized by the CPU 401 executing a program stored in the storage device.

The rewriting section 604 subtracts the number of owner points converted by the purchase point number conversion section 603 from the number of owner points.
The owner point number information recorded on the card 100 is rewritten. The function of the rewriting unit 604 can be realized by, for example, the read / write unit 408 shown in FIGS. 4 and 5. That is, the rewriting unit 6
04 is provided with an interface capable of transmitting and receiving data by connecting to the IC card 100. Further, as described above, since the IC card includes the contact type IC card,
In that case, the rewriting unit 604 may have only the function of writing to the IC card.

The allocating unit 605 allocates an amount corresponding to the number of non-owner points converted by the (purchase) point number converting unit 603 to all or a part of payment for purchase at the non-owner store 102. I do. The allocating unit 605 is, for example, the ROM 40 shown in FIG.
2. The functions can be realized by the CPU 401 executing a program stored in the RAM 403, the HD 405, or the like.

The purchase point number conversion unit 603 determines whether the (purchase) points given to the IC card 100 can be used for all or a part of the purchase payment based on the owner store information. I do. Then, the notification unit 606 notifies, when it is determined as a result of the determination by the purchase point number conversion unit 603 that the purchase points cannot be allocated, to that effect. The notification unit 606 can realize its function by the display 406 or the speaker 407 shown in FIG. 4, for example.

Further, the settlement information transmitting unit 607 includes the owner store information, information on the number of owner points converted by the purchase point number conversion means, and the allocation unit 6.
The information on the number of non-owner points that have been allocated in step 05 is transmitted to the IC point server 132, which is a purchase point settlement processing server that performs purchase point settlement processing. The settlement information transmitting unit 607 can realize its function by, for example, the network I / F 411 shown in FIG.

Further, the purchase point number conversion section 603 calculates the purchase point number according to the purchase except for the amount of money allocated by the allocation section 605. Then, the rewriting unit 6
04 rewrites the owner point number information stored in the IC card 100 so that the purchase point number calculated by the purchase point number conversion unit 603 is added.

Although not shown, the inter-store rate table 602 shown in FIG.
3. The functions of the rewriting unit 604 can be provided in the IC card 100. That is, the memory 503 stores the owner point number information on the number of owner points and the owner store information on the owner store or the type of business of the owner store.

When all or a part of the number of owner points according to the owner point number information stored in the memory 503 is applied to all or a part of payment for purchase at the non-owner store, information on the non-owner store is used. At the non-contact I / F 505.
Further, the CPU 501 sets a new inter-store rate based on the owner store information stored in the memory 503 and the information on the non-owner store received by the non-contact I / F based on a predetermined (stored in the memory 503). Convert to the number of non-owner points, which is the number of purchased points. And the non-contact I / F 505 leads
The information about the converted number of non-owner points is transmitted to the write unit 408.

Further, the CPU 501 may rewrite the owner point number information stored in the memory 503 so as to subtract the converted owner point number from the owner point number. In this way, without using the purchase point appropriation devices 111 and 121,
When used at another store, the value of the purchase points based on the inter-store rate can be reduced by the IC card 100.

(Hardware Configuration of Purchase Point Settlement Processing Server) Next, an IC point server 132 which is a purchase point settlement processing server according to the embodiment of the present invention.
Will be described. FIG. 7 is an explanatory diagram (block diagram) showing a hardware configuration of an IC point server (purchase point settlement processing server) according to the embodiment of the present invention.

In the block diagram of FIG. 7, reference numeral 701 denotes a CPU for controlling the entire apparatus, 702 denotes a ROM storing a basic input / output program (boot program) and the like.
Reference numeral 703 denotes a RAM used as a work area of the CPU 701.

An HDD (hard disk drive) 704 controls reading / writing of data from / to an HD (hard disk) 705 under the control of the CPU 701, and an HD 705 stores data written under the control of the HDD 704. Are respectively shown.

Further, reference numeral 706 denotes an FD (floppy (registered trademark) disk) 70 under the control of the CPU 701.
For controlling read / write of data to / from FDD7
(Floppy disk drive), 707 is FDD
A removable FD for storing data written under the control of 706 is shown.

Reference numeral 708 denotes a display for displaying various data such as cursors, menus, windows, and characters and images. 709 is connected to a network via a general telephone line or a dedicated line 710, and the network is connected to the CPU 701. Respectively are shown. Reference numeral 711 denotes a keyboard provided with a plurality of keys for inputting characters, numerical values, various instructions, and the like. 712 denotes a pointing device for selecting and executing various instructions, selecting a processing target, moving a cursor, and the like. Each mouse is shown as an example.

Reference numeral 713 denotes a scanner for optically reading characters and images, 714 a printer for printing on recording paper, and 715 a CD-RO which is a removable recording medium.
M, 716 a CD-ROM drive for controlling the reading of data from the CD-ROM 715;
Reference numeral 00 denotes a bus for connecting the above components.

(Functional Configuration of Purchase Point Settlement Processing Server) Next, a functional configuration of the purchase point settlement processing server according to the embodiment of the present invention will be described. FIG.
FIG. 3 is an explanatory diagram (block diagram) showing a functional configuration of an IC point server (purchase point settlement processing server) according to the embodiment of the present invention.

In the block diagram of FIG. 8, the IC point server 132 includes a settlement information receiving unit 801, a purchase point settlement amount calculation unit 802, and an owner's merit calculation unit 8
03, and a transmission unit 804.

Here, the owner store information regarding the owner store, the owner point number information regarding the number of owner points, and the purchase information transmitted from the settlement information receiving unit 801 and the (payment information transmitting unit 607 of) the purchase point allocation device 121. When all or a part of the payment for purchase at the non-owner store targeted for the allocation of the point allocation device 121 is applied, the non-owner who is a new purchase point number based on a predetermined inter-store rate based on the owner store information. Non-owner point number information regarding the number of points is received. Payment information receiving unit 801
Can realize its function by the network I / F 709 shown in FIG. 7, for example.

Also, a purchase point settlement amount calculation unit 802
And the store that has given the customer the number of owner points subject to the conversion of the purchase point allocation device based on the owner store information, the owner point number information, and the non-owner point number information received by the settlement information receiving unit 801. The amount of payment to be paid, that is, the amount of (purchase) points related to (purchase) points shown in FIG. 3 is calculated. Further, the payment amount to be paid to the store where the amount corresponding to the number of non-owner points is used for all or a part of the payment for the purchase, that is, the amount of the (purchase) points related to the (purchase) point return shown in FIG. 3 is calculated. I do. The purchase point settlement amount calculation unit 802 can realize its function by the CPU 701 executing a program stored in, for example, the ROM 702, the RAM 703, the HD 705, or the like illustrated in FIG.

Also, the owner's merit calculation unit 803
Based on the owner store information, the owner point number information, and the non-owner point number information received by the settlement information receiving unit 801, the payment amount to be paid to the owner store, that is, the difference between other store use or the other store use shown in FIG. Calculate the reduction difference. Owner's merit calculator 80
3 is, for example, the ROM 702 and the RAM 70 shown in FIG.
3. The program stored in the HD 705 or the like
01 executes the function.

[0097] Further, the transmission unit 804 includes a settlement amount calculated by the purchase point settlement amount calculation unit 802 and an owner's merit calculated by the owner's merit calculation unit 803 (other store use difference or other store use return difference).
Is transmitted to the purchase point allocation devices 111 and 121. The transmitted information is the purchase point allocation device 1
The information is displayed on the display 406 or printed by the printer 410 at 11, 121. The transmission unit 804 is, for example, a network I / F 7 shown in FIG.
09 can realize that function.

(Relationship Between IC Card ID and Purchase Point) Next, the relationship between the IC card ID and purchase point will be described. The determination of the owner store in the IC card is basically made based on the card number or the company code. For example, in the case of a credit card, the first four digits of the card number indicate which credit company issued the card. Looking at the 5th to 10th digits, you can see the partner of this card.

[0099] The data of the magnetic card or the IC card also includes a company code column, which may contain a company code. Then, if the company (= owner) on the card and the company code on the POS match, it is determined to be the same store or the same group. Therefore, the card issuing company ID and the business type identification I
D, the group identification ID is entered.

FIG. 9 is an explanatory diagram showing an example of an inter-store rate table of the purchase point appropriation device according to the embodiment of the present invention, showing a case where only the card issuing company ID is set on the POS. FIG. In this case, the partner code is entered in the common area for the purchase points of the card, and this is used as the card issuing company ID. There is no affiliated card without a card issuing company ID.

Specifically, for example, the same card issuing company ID is entered irrespective of the head office or branch, such as an electronic store that operates nationwide. For example, A electric machine = “2234567”
8 ", B electric appliance =" 25745678 ". In addition, all cards issued in a shopping street or the like have the same card issuing company ID. For example, card issuing company IDs such as Nerima Station Shopping Street = “93445689” and Kamiitabashi Street Shopping Street = “36856789” are obtained.

Then, as an example of the card at this time,
In-house card 901, other company's card (without industry identification ID) 9
02, other company card (with industry identification ID) 903, and other company card (with industry identification ID) 904. Here, since only the card issuing company ID is to be determined, other IDs (industry identification ID, group identification ID) are not to be determined. Therefore, the company card 901 having the same card issuing company ID can be used with equal value without reducing (purchasing) points, and the other cards 902, 90
3, 904, since the card issuing company IDs are different, the value of (purchase) points is reduced when used, but they can be used.

FIG. 10 is an explanatory view showing another example of the inter-store rate table of the purchase point appropriation apparatus according to the embodiment of the present invention. In the POS, only the card issuing company ID and the business type identification ID are displayed. FIG. 9 is an explanatory diagram showing a case where the setting is performed. In this case, a business type identification code is entered in the purchase point common area of the card, and this is used as a business type identification ID. When the industry identification ID is “000”, the card is not identified (not defined).

[0104] Specifically, for example, if the sale of home appliances is one type of business and the type of business of home appliance sales is "210",
A machine = “210” and B machine = “210”. In addition, assuming that the shopping street is one type of business, the industry code of the shopping street is 9
If it is 10, the shopping street at Nerima station is “910”, and the shopping street at Kamiitabashi street is “910”. Further, assuming that the department store is one type of business and the business type code of the department store is “930”, E department store = “930”, F department store = “930”,
G mall = “930”.

At this time, as an example of the card,
Company card 1001, other company's card (without industry identification ID)
1002, other company's card (with industry identification ID) 1003,
There are another company card (with industry identification ID) 1004 and another company card (with industry identification ID) 1005. Here, as shown in FIG. 9, the company card 1001 can be used with equal value without reducing (purchase) points.

Also, since the other company card 1002 has a different card issuing company ID, the value of the (purchase) point is reduced when used. Since the business type identification ID is not entered, it is determined that the business type identification ID is different, and the (purchase) point can be used as it is. Also, since the other company's card 1003 has a different card issuing company ID, the value of the (purchase) point is subject to reduction when used. Since the type of business identification is different, the (purchase) point can be used as it is.

Also, since the other company card 1004 has a different card issuing company ID, the value of the (purchase) point is reduced when used. However, (purchase) points cannot be used because the industry identification IDs are the same. In this way, by making (purchase) points unavailable to customers in stores of the same business type, it is possible to enclose customers in the same business type.

Also, since the other company card 1005 has a different card issuing company ID, the value of the (purchase) point is subject to reduction when used. In addition, although the industry identification ID is different, the industry identification ID on the card side is “000” or different, so that the card can be used as it is.

FIG. 11 is an explanatory view showing another example of the inter-store rate table of the purchase point appropriation apparatus according to the embodiment of the present invention. The card issuing company ID, the business type identification ID, the group FIG. 9 is an explanatory diagram showing a case where an identification ID is set. In this case, the group identification code is written in the common area of the purchase points of the card, and this is used as the group identification ID. Note that the group identification ID
Is “000”, the group is not identified (not defined).

Specifically, for example, the company group numbers are set as follows: H group = “101”, J group = “10”.
2 ". In the case of a shopping street, Nerima station square shopping street =
“201”, Kamiitabashi-dori Shopping Street = “202”.

At this time, as an example of the card,
In-house card 1101, other company's card (without industry identification ID)
1102, other company's card (with industry identification ID) 1103,
There are other company cards (with industry identification ID) 1104, other company cards (with industry identification ID) 1105, and other company cards (with industry identification ID) 1106. Here, the company card 110
As shown in FIGS. 9 and 10, (1) can be used with equal value without reducing (purchase) points.

Also, since the other company card 1102 has a different card issuing company ID, the value of the (purchase) point is reduced when used. Next, since the business type identification ID is not entered, it is determined that the business type ID is different, and in that case, the group ID is checked. Since the group ID is not entered and the group ID is determined to be different, the (purchase) point cannot be used.

Also, since the other company's card 1103 has a different card issuing company ID, the value of the (purchase) point is reduced when used. And since the type of business identification is also different, go to see the group identification
Is not entered, and it is determined that the group identification ID is different, so the (purchase) point cannot be used.

Also, since the card issuing company ID of the other company's card 1104 is different, the value of the (purchase) point is reduced when used. However, (purchase) points cannot be used because the industry identification IDs are the same. In this way, by making (purchase) points unavailable to customers in stores of the same business type, it is possible to enclose customers in the same business type.

Also, since the other company card 1105 has a different card issuing company ID, the value of the (purchase) point is subject to reduction when used. And since the type of business identification is also different, go to see the group identification
Are different, so (purchase) points cannot be used.

Further, since the other company card 1106 has a different card issuing company ID, the value of the (purchase) point is reduced when used. And since the type of business identification is also different, go to see the group identification
Are the same, (purchase) points can be used.

(Processing Procedure of Purchase Point Allocation Apparatus) Next, the contents of processing in the purchase point allocation apparatus according to the embodiment of the present invention will be described. FIG. 12 is a flowchart showing a processing procedure of the purchasing point apportioning device according to the embodiment of the present invention. In the flowchart of FIG. 12, first, it is determined whether or not card information from the IC card 100 has been input (received) (step S1201).

Here, when the card information is inputted, and the card information is inputted (step S1201: Yes)
Acquires (extracts) information about the owner store from the input card information (step S1202). Next, it is determined whether or not the own device (purchase point allocation device) belongs to the owner store (step S120).
3). Here, if it is determined that the item belongs to the owner store (step S1203: YES), the process is the (purchase) point allotment process in the related art, so that the normal process is performed.

On the other hand, if it is determined in step S1203 that the own device (purchase point appropriation device) does not belong to the owner store, that is, the brought-in IC card 100 is issued by another owner store (step S1203: No) ) Indicates that the store of the own device is I
It is determined whether the purchase points accumulated in the C card 100 can be exchanged (used) (step S1).
204).

If it is determined that the service can be used (step S1204: YES), an inter-store rate is obtained (step S1205). Then I
Of the information acquired from the C card 100, the number of accumulated purchase points (number of owner points), that is, the number of remaining owner points (A) and the number of owner points (A) obtained by converting the number of owner points (A) using the inter-store rate. The number of owner points (A ′) and the inter-store rate are displayed on the display 406, for example, as shown in FIG. 14 (step S1206).

Next, after waiting for the input of the number of owner points (B) to be used, if there is no input (step S1207: No), it is determined whether or not the use of the purchase points has been canceled (step S1207). S120
8). Here, in the case of cancellation (step S12
08: Yes) ends a series of processes. On the other hand, if no cancellation has been made (step S1208: N
In step o), the process proceeds to step S1207.

When the number of owner points to be used (B) is input in step S1207 (step S1207: Yes), the number of owner points is rewritten (AB) (step S120).
9). Furthermore, the number of non-owner points (B ′) obtained by converting the number of owner points (B) by the inter-store rate is used for payment (step S1210).

Next, it is determined whether the payment in step S1210 resulted in the payment, that is, whether the payment was greater than the allocation (step S1).
211). If there is a payment (step S1)
211: Yes) gives (accumulates) the number of (purchase) points with respect to the payment amount (step S1212), and then proceeds to step S1213. On the other hand, step S1
At 211, when there is no payment amount (step S1)
211: No), the process moves to step S1213 without doing anything.

Then, in step S1213, information regarding the purchase points is transmitted to IC point server 132, and a series of processing ends. Step S12
In 04, if it is determined that the (purchase) points cannot be exchanged (step S1204: No), it is notified that the purchase points cannot be used (step S1214), and the series of processing ends.

(Processing Procedure of Purchase Point Settlement Processing Server) Next, the contents of processing in the purchase point settlement processing server according to the embodiment of the present invention will be described. FIG. 13 is a flowchart showing a processing procedure of the purchase point settlement processing server according to the embodiment of the present invention. In the flowchart of FIG. 13, first, it is determined whether or not information has been received from the store where the purchase points have been allocated (step S1301).

In step S1301, the process waits for reception and, if received (step S1301: Ye
Next, s) specifies the store to which the purchase point has been given from the received information (step S1302). Then, the payment amount (X) paid by the store specified in step S1302 is calculated from the number of owner points (step S1303).

Next, a store to which the purchase point has been allocated is specified from the received information (step S1304).
Then, based on the number of non-owner points, step S130
The amount of receipt (Y) received by the store specified in 4 is calculated (step S1305).

Next, the owner store is specified from the received information (step S1306). Then, an amount (XY) obtained by subtracting the number of non-owner points from the number of owner points, that is, all or a part of the difference in use at another store is calculated as the owner's merit (step S130).
7).

Then, it is determined whether or not there is another payment amount or reception amount (step S1308). If there is (step S1308: Yes), the offset processing is performed (step S1309), and then step S1310
Move to. On the other hand, in step S1308, when there is no other payment amount and no receiving amount (step S130
8: No), the process moves to step S1310 without doing anything.

In step S1310, information on the status of the settlement process is transmitted to each store (step S1).
310). After that, the flow shifts to step S1301, to return to the initial state.

(Example of Display Screen of Purchase Point Appropriation Apparatus) Next, an example of the screen configuration of the display screen of the display 406 of the purchase point appropriation apparatuses 111 and 121 will be described with reference to FIGS. FIG. 14 shows that the IC card 100 is used to purchase the point
It is an example of a display screen displayed when the image data is read by an image processing device 1, 121. In FIG. 14, the IC card 100
The purchase points accumulated in the store can be used at the store, and the number of accumulated (purchase) points up to now (the number of owner points: 1350P), the conversion rate (90%) at the store, and the Usable (purchased) points (non-owner points: 1215P) are displayed.

If the purchase points accumulated in the IC card 100 cannot be used in the store, the display of “unavailable” is made, although not shown, or the notification is made by voice or the like. .

Next, when the purchase price is determined, FIG.
The display screen shown in FIG. 5 is displayed. In this case, the (purchase) point discount amount (1215 yen) and the newly accumulated (purchase) points (893P) are displayed. Further, FIG.
If the customer specifies the number of (purchase) points he wants to use as shown in (1), the number of (purchase) points (900P)
And the remaining (purchase) points (215P) after use. In this way, by always presenting the number of various (purchase) points, conversion rates, and the like to the customer, the customer can be prevented from misunderstanding the (purchase) points.

As described above, according to the present embodiment, when a purchase point given at an owner store is used at a non-owner store, the value of the point is reduced, and the reduced value is obtained. All or a part of can be used as owner's merit. Further, the settlement processing between the stores can be efficiently performed. In this manner, exchange of purchase points with another store can be realized while securing the profit (owner's merit) of the card issuer including the customer enclosing and the like.

[0135] The method of giving and allocating purchase points described in the present embodiment can be realized by executing a prepared program on a computer such as a personal computer or a workstation. This program is recorded on a computer-readable recording medium such as a hard disk, a floppy disk, a CD-ROM, an MO, and a DVD, and is executed by being read from the recording medium by the computer. In addition, this program, via the recording medium,
It can be distributed via a network such as the Internet.

[0136]

As described above, according to the first aspect of the present invention, the purchase point providing / appropriating device provided in a plurality of stores and the purchasing point providing / appropriating device are provided / applied. A purchase point settlement processing server for performing settlement processing of purchase points is connected via a network, and the purchase point granting / appropriation device uses the purchase point number (hereinafter referred to as “owner point number”) given to a customer in accordance with the purchase amount. ), And a computer-readable recording medium in which information on the number of owner points and predetermined store (hereinafter referred to as “owner store”) or owner store information on the type of the owner store is recorded. Receiving means for receiving point number information and the owner store information; When all or a part of the number of accounts is applied to all or a part of payment for purchase at a store other than the owner store (hereinafter referred to as “non-owner store”), based on the owner store information received by the receiving means. A means for converting purchase points into new purchase points (hereinafter referred to as "non-owner points") at a predetermined inter-store rate;
Rewriting means for rewriting the owner point number information recorded on the recording medium so as to subtract the owner point number subject to conversion by the purchase point number conversion means from the owner point number, and conversion by the point number conversion means. Allocation means for applying the amount of money corresponding to the number of non-owner points to all or part of payment for purchase at the non-owner store, the owner store information, and the conversion by the purchase point number conversion means. Payment information transmitting means for transmitting information on the number of owner points and information on the number of non-owner points allocated by the allocation means to the purchase point payment processing server, the payment point payment processing server Is transmitted from the purchase point granting / appropriation device. In addition, owner store information on the owner store, owner point number information on the number of owner points subject to the conversion of the purchase point apportioning device, and the number of non-owner points targeted by the purchase point appropriation device The receiving means for receiving the non-owner point number information, and based on the owner store information, the owner point number information, and the non-owner point number information received by the receiving means, the purchase point allocation device has been subjected to conversion. Purchase point settlement for calculating a payment amount paid by a store that has given the number of owner points to the customer and / or a payment amount to be paid to a store that has allocated all or a part of payment for purchase to an amount corresponding to the number of non-owner points. With the amount calculation means If the purchased purchase points are used at a non-owner store, the value of the points is reduced, thereby securing the profits of the card issuer (including owners' merits), including customer enclosing, and other stores, There is an effect that a purchase point tie-up system that can realize exchange of purchase points with the purchase point is obtained.

According to the second aspect of the present invention, a purchase point granting / appropriating device provided at a plurality of stores is provided.
A purchase point settlement processing server that performs settlement processing of the purchase points assigned and allocated by the purchase point allocation and allocation device is connected via a network, and the purchase point allocation and allocation device is configured to change a customer according to a purchase amount. And the number of owner points related to the number of purchase points (hereinafter referred to as “owner points”) given to the user and the information of owner stores related to a predetermined store (hereinafter referred to as “owner store”) or the type of the owner store are recorded. Further, a receiving means for receiving the owner point number information and the owner store information from a computer-readable recording medium, and all or a part of the owner point number to a store other than the owner store (hereinafter referred to as “non-owner store”) ") Or, when a portion is applied, the number of purchased points is converted into a new number of purchased points (hereinafter referred to as “non-owner points”) at a predetermined inter-store rate based on the owner store information received by the receiving means. Means, rewriting means for rewriting information on the number of owner points recorded on the recording medium so as to subtract the number of owner points converted by the number of purchasing points conversion means from the number of owner points, and the point number conversion means Means for applying the amount corresponding to the number of non-owner points converted by the above to all or a part of payment for purchase at the non-owner store, the owner store information, and a target of conversion by the purchase point number conversion means. And information on the number of owner points Means for transmitting information on the number of non-owner points that have been allocated by the allocation means to the purchase point payment processing server, the payment point payment processing server comprising: Owner store information regarding the owner store transmitted from the device,
Receiving means for receiving owner point number information regarding the number of owner points that have been converted by the purchase point allocation device and non-owner point number information regarding the number of non-owner points that have been allocated by the purchase point allocation device. And owner's merit calculation means for calculating a payment amount to be paid to the owner store based on owner store information, owner point number information and non-owner point number information received by the reception means,
Therefore, if a purchase point awarded at the owner store is used at a non-owner store, the value of the point is reduced, and all or a part of the reduced value can be used as the owner's merit. This has the effect of providing a purchase point tie-up system that enables the exchange of purchase points with other stores while guaranteeing the card issuer's profits (owner's merits), including enclosing customers. Play.

According to the invention described in claim 3, in the invention described in claim 1 or 2, the recording medium is an IC card, and the receiving means and the rewriting means are connected to the IC card. And an interface that can transmit and receive data, so that the reading and rewriting of the purchase point number information can be easily performed, thereby securing the card issuer's profits (owner's merits) including customer enclosing. In addition, there is an effect that a purchase point allocating apparatus capable of realizing exchange of purchase points with another store is obtained.

[0139] According to the invention described in claim 4, the receiving means includes information on the number of owner points related to the number of purchase points (hereinafter referred to as "owner points") given to the customer in accordance with the purchase amount, and A predetermined store (hereinafter referred to as “owner store”) or owner store information relating to the type of the owner store,
The owner point number information and the owner store information are received from a computer-readable recording medium, and the purchase point number conversion means converts all or a part of the owner point number into a store other than the owner store (hereinafter referred to as “non-owner store”). When all or part of the payment for the purchase at the “owner store” is applied, the new purchase points (hereinafter referred to as “non-owner points”) are determined at a predetermined inter-store rate based on the owner store information received by the receiving means. And the replacement means rewrites the owner point number information recorded on the recording medium so as to subtract the owner point number converted by the purchase point number conversion means from the owner point number. , The allocation means is the point conversion method. To appropriated for all or part of the payment for purchase in the non-owner stores the amount of money corresponding to the non-owner points that are converted by,
If the purchase points awarded at the owner store are used at the non-owner store, the value of the points will be reduced, thereby securing the card issuer's profits (owner's merits) including customer enclosing. ,
This has the effect of providing a purchase point allocating device capable of realizing exchange of purchase points with another store.

According to the invention set forth in claim 5, in the invention set forth in claim 4, the settlement information transmitting means is subject to conversion by the owner store information and the purchase point number converting means. Since the information about the number of owner points and the information about the number of non-owner points that have been allocated by the allocation means are transmitted to the purchase point settlement processing server that performs the purchase point settlement processing, the efficiency of the purchase point settlement processing is improved. Purchase point allocation device that can realize the exchange of purchase points with other stores while securing the profits (owner's merits) of the card issuer, including customer enclosing, etc. Is obtained.

According to the invention described in claim 6, in the invention described in claim 4 or 5, the judging means pays the points given to the recording medium based on the owner store information for purchase. To determine whether it is possible to apply for all or a part of the purchase points. If the notification means determines that the allocation is not possible as a result of the determination by the determination means, it informs the purchase point. Can easily inform the customer whether or not it is a store where exchanges can be made. This allows the card issuer to secure profits (owner's merits), including customer enrollment, and purchases from other stores. There is an effect that a purchase point allocation device capable of realizing point exchange is obtained.

According to the seventh aspect of the present invention, in the invention according to any one of the fourth to sixth aspects, the purchase point calculating means purchases the purchase amount excluding the amount allocated by the allocation means. Calculate the number of purchase points according to the
The rewriting means rewrites the owner point number information recorded on the recording medium so as to add the purchase point number calculated by the purchase point calculation means, so that the purchase points can be accumulated even in a non-owner store, As a result, it is possible to obtain a purchase point allocation device capable of realizing exchange of purchase points with another store while securing profits (owner's merits) of the card issuer, including customer enclosing. .

According to the invention described in claim 8, in the invention described in any one of claims 4 to 7, the recording medium is an IC card, and the receiving means includes the IC card.
Equipped with an interface that can transmit and receive data by connecting to a C card, the information on the number of points purchased can be easily read and rewritten, thereby benefiting the card issuer, including customer enclosing (owner's merit) Is obtained, and a purchase point allocation device capable of realizing exchange of purchase points with another store is obtained.

According to the ninth aspect of the present invention, the receiving means transmits a predetermined store (hereinafter referred to as an "owner store") transmitted from the purchase point allocation device.
And the number of purchase points given to the customer in accordance with the purchase amount (hereinafter referred to as “owner point number”)
When the purchase points are allocated to all or a part of the purchase at a store other than the owner store (hereinafter referred to as a “non-owner store”), which has been allocated by the purchase point allocation device. Receiving non-owner point number information relating to a new purchase point number (hereinafter referred to as “non-owner point number”) at a predetermined inter-store rate based on the owner store information, and the purchase point settlement amount calculation means, Payment amount paid by the store that gave the customer the number of owner points subject to conversion by the purchasing point appropriation device based on the owner store information, owner point number information, and non-owner point number information received by the receiving means. And / or an amount corresponding to the number of non-owner points. In order to calculate the payment amount paid to the store that has been used for all or part of the payment for the purchase, if the purchase points granted at the owner store are used at the non-owner store, the value of the points will be reduced, and , It is possible to process payments between stores efficiently, thereby enabling exchange of purchase points with other stores while securing profits (owner's merits) of the card issuer including customer enclosing There is an effect that a purchase point settlement processing server that can perform the purchase is obtained.

According to the tenth aspect of the present invention,
The receiving means responds according to owner store information about a predetermined store (hereinafter referred to as “owner store”) transmitted from the purchasing point apportioning device and the purchase amount converted by the purchasing point applicating device. Information on the number of purchase points given to the customer (hereinafter referred to as “owner point number”) and stores other than the owner store (hereinafter referred to as “non-owner stores”) that have been allocated by the purchase point allocation device. ")
When all or part of the payment for the purchase in the above is applied to the non-owner point number information relating to the new purchase point number (hereinafter referred to as “non-owner point number”) at a predetermined inter-store rate based on the owner store information, The owner's merit calculating means calculates the payment amount to be paid to the owner store based on the owner store information, the owner point number information and the non-owner point number information received by the receiving means. If the purchased purchase points are used in a non-owner store, the value of the points is reduced, and all or a part of the reduced value is given to the owner store as owner's merit. Payment process can be performed efficiently, Te, while ensuring profits of card issuers, including customers of the enclosure (the owner's benefit),
There is an effect that a purchase point settlement processing server capable of realizing exchange of purchase points with another store is obtained.

According to the eleventh aspect of the present invention,
The storage means stores information on the number of owner points related to the number of purchase points (hereinafter referred to as “owner points”) given to the customer according to the purchase amount, and a predetermined store (hereinafter referred to as “owner store”) or the owner. The store means stores the owner store information relating to the type of the store, and the receiving means stores all or part of the owner point number according to the owner point number information stored by the storage means in a store other than the owner store (hereinafter referred to as "non-owner"). Store)), the information about the non-owner store is received, and the purchase point number conversion means receives the information on the owner store information stored by the storage means and the reception means. Predetermined based on received information about non-owner stores In order to transmit the information on the number of non-owner points converted by the purchase point number conversion means, the data is converted into a new purchase point number (hereinafter referred to as “non-owner point number”) by the obtained inter-store rate, Even if there is no purchase point appropriation device,
If the purchase points awarded at the owner store are used at the non-owner store, the value of the points can be reduced, thereby securing the card issuer's profits (owner's merit) including customer enclosing. In addition, there is an effect that an IC card capable of realizing exchange of purchase points with another store can be obtained.

According to the twelfth aspect of the present invention,
12. The invention according to claim 11, wherein the rewriting means subtracts the owner point number information stored by the storage means so as to subtract the owner point number converted by the purchase point number conversion means from the owner point number. For rewriting, even if there is no purchase point appropriation device, if the purchase points granted at the owner store are used at the non-owner store, the points can be adjusted so as to reduce the value of the points, An effect is obtained in that an IC card capable of exchanging purchase points with another store can be obtained while securing the profit (owner's merit) of the card issuer including enclosing the customer.

According to the thirteenth aspect of the present invention,
The purchase point number information recording step records, using a computer-readable recording medium, information on the purchase point number (hereinafter referred to as “owner point number”) given to the customer in accordance with the purchase amount, and The conversion step converts all or part of the number of owner points recorded on the recording medium into purchases at stores (hereinafter, referred to as “non-owner stores”) other than predetermined stores (hereinafter, referred to as “owner stores”). When the payment is applied to all or a part of the payment, it is converted into a new purchase point number (hereinafter referred to as "non-owner point number") at a predetermined inter-store rate based on the information on the owner store or the type of business of the owner store. The rewriting step is performed by the purchase point number conversion means from the owner point number. The owner point number information recorded on the recording medium is rewritten so as to subtract the owner point number that has been converted, and the apportioning step is performed by the amount corresponding to the number of non-owner points converted in the point number converting step. Is used for all or part of the payment for the purchase at the non-owner store, if the purchase points granted at the owner store are used at the non-owner store, the value of the points is reduced, whereby There is an effect that a method of providing and allocating purchase points that can realize the exchange of purchase points with another store while securing the profit (owner's merit) of the card issuer including enclosing the customer is obtained.

According to the fourteenth aspect of the present invention,
In the invention according to claim 13, further, the purchase point calculating step calculates the number of purchase points according to the purchase except for the amount of money allocated in the allocation step, and the rewriting step includes: In order to rewrite the owner point number information recorded on the recording medium so as to add the calculated purchase point number, when the purchase point given at the owner store is used at a non-owner store, the value of the point is reduced. Points can be adjusted in the same way as described above, thereby making it possible to exchange purchase points with other stores while securing the profits (owner's merits) of the card issuer, such as enclosing customers. It is effective in that a point giving / appropriating method can be obtained.

According to the fifteenth aspect of the present invention,
15. The invention according to claim 13 or 14, wherein the point settlement amount calculation step includes: owner store information relating to the owner store, owner point number information relating to the number of owner points converted by the purchase point apportioning device, and the purchase point. Based on the non-owner point number information related to the non-owner point number targeted for allocation by the allocation device, the payment amount paid by the store that gave the customer the owner point number converted in the purchase point number conversion step to the customer In order to calculate a payment amount to be paid to a store where the amount corresponding to the number of the non-owner points has been used for all or a part of the payment for the purchase, the purchase points given at the owner store were used at the non-owner store. In that case, the value of that point is reduced, In addition, the payment process between each store can be performed efficiently, so that exchange of purchase points with other stores can be performed while securing the profit (owner's merit) of the card issuer including the customer enclosing. There is an effect that a purchasing point granting / appropriating method that can be realized is obtained.

According to the sixteenth aspect of the present invention,
The invention according to any one of claims 13 to 15, wherein the owner's merit calculation step includes: owner store information relating to the owner store, and owner point number information relating to the number of owner points that have been converted by the purchase point allocation device. In order to calculate the payment amount to be paid to the owner store based on the non-owner point number information on the non-owner point number that has been allocated by the purchase point allocation device, the purchase points granted at the owner store are calculated by the non-owner. When used at a store, the value of the point is reduced, all or part of the reduced value is given to the owner store as an owner's merit, and the settlement process between stores is performed efficiently. This allows for the issuance of cards, including customer enclosures, etc. Person of income (Owner's merit)
And a method of providing and allocating purchase points that can realize the exchange of purchase points with other stores can be obtained.

Further, according to the seventeenth aspect,
By causing a computer to execute the method according to claims 13 to 16, there is an effect that a program capable of realizing the operations of claims 13 to 16 by a computer is obtained.

According to the eighteenth aspect of the present invention,
Recording a program for causing a computer to execute the method according to claims 13 to 16 makes the program readable by a computer, thereby enabling the operations of claims 13 to 16 to be realized by a computer. This has the effect that a medium can be obtained.

[Brief description of the drawings]

FIG. 1 is an explanatory diagram showing an outline (overall configuration) of a purchasing point alliance system according to an embodiment of the present invention.

FIG. 2 is an outline of a purchase point alliance system according to the embodiment of the present invention (an example of purchase point allocation processing);
FIG.

FIG. 3 is an explanatory diagram showing an outline (an example of a payment process) of a purchasing point alliance system according to the embodiment of the present invention;

FIG. 4 is an explanatory diagram (block diagram) showing a hardware configuration of a purchasing point apportioning device according to the embodiment of the present invention;

FIG. 5 is an IC card of a purchase point tie-up system according to the embodiment of the present invention and a read / write IC card thereof;
FIG. 3 is an explanatory diagram (block diagram) illustrating a hardware configuration of a unit.

FIG. 6 is an explanatory diagram (block diagram) showing a functional configuration of a purchasing point apportioning device according to the embodiment of the present invention;

FIG. 7 is an explanatory diagram (block diagram) showing a hardware configuration of an IC point server (purchase point settlement processing server) according to the embodiment of the present invention;

FIG. 8 is an explanatory diagram (block diagram) showing a functional configuration of an IC point server (purchase point settlement processing server) according to the embodiment of the present invention;

FIG. 9 is an explanatory diagram showing an example of an inter-store rate table of the purchase point appropriation device according to the embodiment of the present invention;

FIG. 10 is an explanatory diagram showing another example of the inter-store rate table of the purchase point appropriation device according to the embodiment of the present invention;

FIG. 11 is an explanatory diagram showing another example of the inter-store rate table of the purchase point appropriation device according to the embodiment of the present invention;

FIG. 12 is a flowchart showing a processing procedure of the purchasing point apportioning device according to the embodiment of the present invention.

FIG. 13 is a flowchart showing a processing procedure of a purchase point settlement processing server according to the embodiment of the present invention.

FIG. 14 is an explanatory diagram showing an example of a display screen of the purchase point appropriation device according to the embodiment of the present invention;

FIG. 15 is an explanatory diagram showing another example of the display screen of the purchase point allocation device according to the embodiment of the present invention.

FIG. 16 is an explanatory diagram showing another example of the display screen of the purchasing point appropriation device according to the embodiment of the present invention;

[Explanation of symbols]

100 Credit card (IC card) 101, 102 Store 103 Processing center 111, 121 Purchase point granting / appropriation device (POS
Terminal device) 131 credit host 132 IC point server 400, 700 bus 401, 501, 701 CPU 402, 702 ROM 403, 703 RAM 404, 704 HDD 405, 705 HD 406, 708 display 407 speaker 408 read / write unit 409, 711 Keyboard 410, 714 Printer 411, 709 Network I / F 502 I / O port 503 Memory 504 RFI / F 505, 511 Non-contact I / F 512 I / F circuit 601 Receiving unit 602 Store-to-store rate table 603 Conversion of purchase points Unit 604 Rewriting unit 605 Allocating unit 606 Notification unit 607 Payment information transmitting unit 715 CD-ROM 716 CD-ROM drive 801 Payment information receiving unit 802 Purchase point decision Amount calculating section 803 Owner's benefits calculation unit 804 transmission unit

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification code FI Theme coat ゛ (Reference) G06F 17/60 510 G06F 17/60 510 G06K 17/00 G06K 17/00 R G07G 1/12 321 G07G 1 / 12 321L 321P 1/14 1/14 (54) [Title of the invention] Purchase point alliance system, purchase point allocation device, purchase point settlement processing server, IC card, purchase point allocation / allocation method, purchase point allocation / allocation method For causing a computer to execute the program, and a computer-readable recording medium on which the program is recorded

Claims (18)

[Claims] 1. A purchase point settlement / appropriation device provided at a plurality of stores and a purchase point settlement processing server for performing settlement processing of purchase points given / applied by the purchase point assignment / appropriation device are connected via a network. The purchase point granting / appropriation device is provided with owner point number information relating to the purchase point number (hereinafter referred to as “owner point number”) given to the customer according to the purchase amount, and a predetermined store (hereinafter referred to as “owner point number”). Receiving means for receiving the owner point number information and the owner store information from a computer-readable recording medium on which the owner store information relating to the type of the owner store is recorded. All or part of the number, other than the owner store Stores (hereinafter referred to as “non-owner stores”)
When all or a part of the payment for the purchase is applied, a new purchase point number (hereinafter referred to as “non-owner point number”) is obtained at a predetermined inter-store rate based on the owner store information received by the receiving means. A conversion means for converting the purchase point number to be converted; and a rewrite means for rewriting the owner point number information recorded on the recording medium so as to subtract the owner point number converted by the purchase point number conversion means from the owner point number. Allocating means for allocating an amount corresponding to the number of non-owner points converted by the point number converting means to all or a part of payment for purchase at the non-owner store, the owner store information, and the number of purchased points O that has been converted by the conversion means Payment information transmitting means for transmitting information on the number of points and information on the number of non-owner points that have been allocated by the allocating means to the purchase point payment processing server, wherein the purchase point payment processing server , Transmitted from the purchase point granting / appropriating device, owner store information on the owner store, owner point number information on the number of owner points subject to conversion of the purchasing point allocating device, and the purchase point allocating device Receiving means for receiving non-owner point number information on the non-owner point number that has been allocated; and owner store information, owner point number information and non-owner point number information received by the receiving means, The conversion target of the purchase point allocation device A purchase amount that is paid by a store that has given the number of owner points given to the customer and / or a payment amount that is paid to a store that has allocated all or part of payment for the purchase to the amount corresponding to the number of non-owner points. A point-of-purchase partnering system comprising: point settlement amount calculation means; 2. A purchase point settlement / appropriation device provided in a plurality of stores and a purchase point settlement processing server for performing settlement processing of purchase points given / applied by the purchase point assignment / appropriation device are connected via a network. The purchase point granting / appropriation device is provided with owner point number information relating to the purchase point number (hereinafter referred to as “owner point number”) given to the customer according to the purchase amount, and a predetermined store (hereinafter referred to as “owner point number”). Receiving means for receiving the owner point number information and the owner store information from a computer-readable recording medium on which the owner store information relating to the type of the owner store is recorded. All or part of the number, other than the owner store Stores (hereinafter referred to as “non-owner stores”)
When all or a part of the payment for the purchase is applied, a new purchase point number (hereinafter referred to as “non-owner point number”) is obtained at a predetermined inter-store rate based on the owner store information received by the receiving means. A conversion means for converting the purchase point number to be converted; and a rewrite means for rewriting the owner point number information recorded on the recording medium so as to subtract the owner point number converted by the purchase point number conversion means from the owner point number. Allocating means for allocating an amount corresponding to the number of non-owner points converted by the point number converting means to all or a part of payment for purchase at the non-owner store, the owner store information, and the number of purchased points O that has been converted by the conversion means Payment information transmitting means for transmitting information on the number of points and information on the number of non-owner points that have been allocated by the allocating means to the purchase point payment processing server, wherein the purchase point payment processing server , Transmitted from the purchase point granting / appropriating device, owner store information on the owner store, owner point number information on the number of owner points subject to conversion of the purchasing point allocating device, and the purchase point allocating device Receiving means for receiving non-owner point number information on the number of non-owner points targeted for appropriation, and owner store information, owner point number information and non-owner point number information received by the receiving means, Calculate the payment amount paid to the owner store Purchase points Alliance system comprising: the owner's benefit calculation means that, the. 3. The recording medium according to claim 1, wherein the recording medium is an IC card, and the receiving means and the rewriting means include an interface capable of transmitting and receiving data by connecting to the IC card. 2. Purchase point tie-up system described in 2. 4. An owner point number information relating to a purchase point number (hereinafter, referred to as “owner point number”) given to a customer in accordance with a purchase amount, and a predetermined store (hereinafter, referred to as “owner store”) or the aforementioned store. Receiving means for receiving the owner point number information and the owner store information from a computer-readable recording medium in which the owner store information relating to the type of the owner store is recorded, and all or part of the owner point number, Stores other than the owner store (hereinafter referred to as “non-owner store”)
When all or a part of the payment for the purchase is applied, a new purchase point number (hereinafter referred to as “non-owner point number”) is obtained at a predetermined inter-store rate based on the owner store information received by the receiving means. A conversion means for converting the purchase point number to be converted; and a rewrite means for rewriting the owner point number information recorded on the recording medium so as to subtract the owner point number converted by the purchase point number conversion means from the owner point number. And a allocating means for allocating an amount corresponding to the number of non-owner points converted by the point number converting means to all or a part of payment for purchase at the non-owner store. Applicator. 5. The system according to claim 5, wherein said owner store information, information on the number of owner points converted by said purchase point number conversion means, and information on the number of non-owner points allocated by said allocation means. The purchase point allocation apparatus according to claim 4, further comprising: a settlement information transmitting unit that transmits the purchase information to a purchase point settlement processing server that performs a purchase point settlement process. 6. A judging means for judging whether or not the points given to the recording medium can be applied to all or a part of the purchase payment based on the owner store information, and a judgment by the judging means. 6. A purchasing point allocating apparatus according to claim 4, further comprising: a notifying unit for notifying that it cannot be allocated as a result of the determination. 7. A purchase point calculating means for calculating a purchase point number according to a purchase except for an amount of money allocated by the allocation means, wherein the rewriting means includes a purchase point number calculated by the purchase point calculation means. 7. The purchase point allocating apparatus according to claim 4, wherein the owner point number information recorded on the recording medium is rewritten so as to add. 8. The recording medium according to claim 4, wherein said recording medium is an IC card, and said receiving means and said rewriting means are provided with an interface capable of transmitting and receiving data by connecting to said IC card. 7. The purchasing point apportioning device according to any one of 7. 9. A system transmitted from a purchase point apportioning device,
Owner store information regarding a predetermined store (hereinafter referred to as “owner store”) and the number of purchase points (hereinafter referred to as “owner”) given to the customer in accordance with the purchase amount converted by the purchase point appropriation device. Point number information) and stores other than the owner store (hereinafter referred to as “non-owner store”), which were allocated by the purchase point allocation device.
When all or part of the payment for the purchase in the above is applied to the non-owner point number information relating to the new purchase point number (hereinafter referred to as “non-owner point number”) at a predetermined inter-store rate based on the owner store information, Receiving means for receiving, based on the owner store information, owner point number information and non-owner point number information received by the receiving means, the customer point number of the conversion of the purchase point apportioning device, the customer points A purchase point settlement amount calculation means for calculating a payment amount paid to a store that has allocated the payment amount paid by the store and / or the amount corresponding to the number of non-owner points to all or part of payment for purchase. A purchase point settlement processing server comprising: 10. A predetermined store (hereinafter referred to as “owner store”) transmitted from the purchasing point appropriation device.
) And owner point number information relating to the number of purchase points (hereinafter referred to as “owner point number”) given to the customer in accordance with the purchase amount, which has been converted by the purchase point allocation device. ,
When all or a part of payment for purchase at a store other than the owner store (hereinafter referred to as “non-owner store”), which has been allocated by the purchase point allocation device, is determined in advance based on the owner store information. Receiving means for receiving non-owner point number information relating to a new purchase point number (hereinafter referred to as “non-owner point number”) according to the obtained inter-store rate; owner store information and owner point number information received by the receiving means And an owner's merit calculating means for calculating a payment amount to be paid to the owner store based on the information on the number of non-owner points. 11. The number of purchase points given to a customer according to the purchase amount (hereinafter, referred to as “owner point number”)
Storage means for storing information on the number of owner points related to the store and predetermined store (hereinafter referred to as “owner store”) or owner store information regarding the type of business of the owner store. When all or a part of the number of owner points is applied to all or a part of payment for purchase at a store other than the owner store (hereinafter, referred to as “non-owner store”), reception for receiving information regarding the non-owner store Means, and a new purchase point number (hereinafter referred to as a “non-owner point number”) based on an owner-to-store information stored by the storage means and a predetermined inter-store rate based on the information on the non-owner store received by the reception means. Purchase points converted to) IC card and conversion means, and transmitting means for transmitting information about the non-owner points that are converted by the purchasing points converting means, comprising the. 12. Rewriting means for rewriting the owner point number information stored by the storage means so as to subtract the owner point number converted by the purchase point number conversion means from the owner point number. The IC card according to claim 11, wherein: 13. The number of purchase points given to a customer according to the purchase amount (hereinafter referred to as “owner point number”).
The number of owner points recorded on the recording medium, or all or a part of the number of owner points recorded on the recording medium, into a predetermined store (hereinafter referred to as “owner”). Store), a predetermined inter-store rate based on information on the owner store or the type of business of the owner store when applying to all or part of payment for purchase at a store other than the store (hereinafter referred to as “non-owner store”). The number of purchase points (hereinafter referred to as “the number of non-owner points”), and the number of owner points converted by the purchase point number conversion means is subtracted from the number of owner points. The number of owner points recorded on the recording medium A rewriting step of rewriting, and an application step of applying an amount corresponding to the number of non-owner points converted in the point number conversion step to all or a part of payment for purchase in the non-owner store, Characteristic purchase point allocation and allocation method. 14. A purchase point calculation step of calculating a purchase point number according to a purchase excluding an amount of money allocated in the allocation step, wherein the rewriting step includes a purchase calculated by the purchase point calculation step. 14. The purchase point award according to claim 13, wherein the owner point number information recorded on the recording medium is rewritten so as to add the point number.
Appropriation method. 15. The owner store information on the owner store, the owner point number information on the number of owner points subject to the conversion by the purchase point allocation device, and the non-owner who has been allocated by the purchase point allocation device. Based on the information on the number of non-owner points related to the number of points, the number of owner points converted in the purchase point number conversion step is determined according to the payment amount paid by the store that gave the customer to the customer and / or the number of non-owner points. 15. A point settlement amount calculation step of calculating a payment amount to be paid to a store in which the amount of money has been allocated to all or a part of payment for purchase, the purchase point granting / appropriation according to claim 13 or 14, wherein Method. 16. The owner store information on the owner store, the owner point number information on the number of owner points subject to the conversion by the purchase point allocation device, and the non-owner who has been allocated by the purchase point allocation device. The purchase according to any one of claims 13 to 15, further comprising: an owner's merit calculation step of calculating a payment amount to be paid to the owner store based on the non-owner point number information relating to the point number. How to grant and apply points. 17. A program for causing a computer to execute the method according to claim 13. 18. A computer-readable recording medium on which the program according to claim 17 is recorded.