JP2002318888A - Aid management system for member of organization - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an aid management system enabling a desired facility to be greatly expanded by eliminating the trouble for managing the budget for subsidies and the trouble for making procedures required of each member. SOLUTION: In addition to a database 7 in which bill information for each member of a credit institution is recorded, another database is provided in which specific information about the facility to be aided by a subsidiary system for organizations and about each member and individual aid consideration information for each member are registered. Further, a control means is provided which carries out computation processes such that when bill information about a credit account is received from a credit account facility or the like, a judgement is made as to whether the subject of the account is the facility or a member of the organization, and then a judgement is made as to whether or not the budget set for auxiliary considerations still remains, by referring to the individual aid consideration information for each member; when it remains, a predetermined auxiliary consideration is subtracted from the amount billed as the bill information and from the budget, within the range of that remainder, and the bill after this subtraction is added to the bill information for each member as the amount billed for the member, while an amount equal to this subtraction is added to the information as the amount billed for the organization.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a system in which an organization such as a health insurance union or various mutual aid associations supplies subsidies such as various subsidies to members thereof.

[0002]

2. Description of the Related Art In health insurance associations and various mutual aid associations, various subsidies are provided when members or their families, such as union members and mutual assistance members, use the facilities and services designated by those organizations. A system has been adopted. In such a subsidy system, a predetermined frame (a limit frame for the number of times of use, a subsidy amount, etc.) is set for each member, and each member can request facilities, services, etc. within the limit frame. You will receive a subsidy.

[0003]

[Problems to be Solved by the Invention] Each member wishes to increase facilities and services that can use the subsidy system. This will increase the labor required to manage the subsidy frame for members, and it will tend to be difficult to significantly expand the target facilities.

[0004] In addition, some facilities to be subsidized, such as sports facilities and highways, have a small amount per use and tend to be used frequently, but the subsidy system is used. In most cases, applications are applied for each use with the attached receipts, etc., so the application procedure of such a facility use subsidy system becomes extremely complicated and the subsidy limit is managed. The management procedure on the part of the group management is also complicated.

[0005] Furthermore, the subsidy limit management on the group management side also requires manual checking, subsidy calculation,
Since the transfer data is often created, there is a large work load before the subsidy is paid, and there is a considerable time lag.

The present invention has been made in view of the above problems of the prior art, and eliminates the complexity of managing grant frames for members of an organization and the complexity of procedures of each member. An object of the present invention is to provide a system in which various effects are recognized, such as a significant expansion of target facilities and the like.

[0007]

SUMMARY OF THE INVENTION Accordingly, the present invention provides a facility and the like which are subject to margin transactions through a credit institution.
Subsidy management for subsidized facilities designated by an organization, as well as making the organization and its members a member of the credit institution, and using the margin transactions to manage the subsidy for the subsidy system for the members The system
In addition to the database in which the member identification information of the credit institution and the billing information for each member are registered, specific information such as the target facilities of the subsidy system for each organization, the specific information of the members of each organization, Providing a database in which the member's individual subsidy information is registered, and further, when receiving billing information on margin transactions from the facility or the like which is the subject of the margin transaction,
The request information is referred to the specific information of both databases as appropriate, and it is determined whether the entity of the transaction is a transaction of the target facility or the like or a group member. If it is determined that the transaction is a transaction, it is determined whether or not there is still any remaining in the member's sub-payment setting frame according to the target facility by referring to the individual sub-payment information of the member. In such a case, within the remaining range, a predetermined amount equivalent to the supplementary compensation is subtracted from the billing amount of the billing information and the supplementary compensation setting frame, and the subtracted billing amount is used as the billing amount to the member, and The present invention is characterized in that control means is provided for performing an arithmetic process for adding the billing amount of the above to the member billing information as the billing amount to the group.

[0008] The credit transaction refers to any transaction performed by a credit institution by giving credit to a party to the transaction. For example, a credit card transaction including an installment and a loan is typical. Money transactions and the like may be included.

The facilities and the like are not limited to a single facility, store, business trip service, etc., as long as they can be used for margin transactions. Refers to an arbitrary unit including a business form unit.

[0010] The specific information refers to specific information for judging whether a member is a member, a facility subject to a subsidy system for each organization, and a member. At least identification information (for example, a member store code and a member number) is included.

[0011]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS A specific embodiment of the present invention will be described below with reference to the drawings. In order to easily understand the present embodiment, a more specific example will be described. Of course, the example is an example limited for easy understanding, and it goes without saying that the present invention is not limited to the present embodiment.

FIG. 1 is a block diagram of the entire system, FIG. 2 is a flowchart of using the system, FIG. 3 is an explanatory diagram of a hierarchical structure of files and tables of a grant management database, and FIG. 4 is a flowchart of grant management control. . In the figure, 1 is a partner credit card, 2 is a credit processing terminal, 3 is a settlement net, 4 is a computer for grant management, 5 is a database for management service, 6 is a credit card company host computer, 7 is a database for members, 8 is a database for members Terminals such as Mutual Aid Association Headquarters (PC
Etc.).

This embodiment is an example in which one credit card company manages a subsidy system of various organizations. The organization to which the management is delegated makes each member a specific credit card member through affiliation or the like, and a subsidy management system. (The subsidy management service based on this agreement is referred to simply as management service). That is, in this embodiment, the credit institution is the credit card company, and the credit transaction is an example of a credit card transaction. In order to facilitate the management of the management service, the credit card company makes the target member of the management service a member different from the general member and issues a dedicated tie-up card. Specifically, a predetermined identification number is included in a card number or the like.

The subsidy in the subsidy system of various organizations is as follows:
In this example, points are set in place of money, instead of money.

Various organizations that contract for this management service,
For example, mutual aid unions (hereinafter described using the terms of the mutual aid unions as examples of various organizations) provide credit card companies with the facilities to be subsidized, the conversion point rate for each facility, etc., and individual members Is notified as registration information. Here, it is premised that facilities to be subsidized are so-called franchisees of credit card companies, but the unit of registration is not limited to franchisees, but also by business type or credit processing terminal. good. On the other hand, the member who is a member notifies the same attribute information as a general member and identification information such as a grade for each member as registration information.

The credit card company is provided with a member database 7 in which a member master and other billing information for each member are registered. In addition, a computer 4 and a database 5 for a management service are provided. .

In the member database 7 in which the billing information for each member is registered, information on all the members of the credit card company is registered. Based on the registered information, each member is billed monthly. Will be done. The attribute information of the member is also registered.

On the other hand, the management service database 5
Information on the mutual aid union contracted with the management service is registered. As shown in FIG. 3, the database 5 is provided with a master table 10 of reciprocal unions, which is a contractor, and a table 11 of facilities and the like to be subsidized by each reciprocal union. The master table 12 of the members of each union has a hierarchical structure that is associated with the mutual aid union name. The mutual aid union master table 10 shows the annual salary points for each mutual aid union (how many points per person are paid each year), the date of regular renewal, and the carry-over conditions (points are counted if the year is exceeded). How to process) and carry-over limit are set as registration fields, and information that has been notified in advance is registered in those fields that can be registered (the same applies to the following tables). The facility etc. table 11 is provided with an identification code which is categorized into a pre-registered business type, a member store, and a credit processing terminal, and for each identification code, a name, a conversion point rate, and an individual limit point are provided. It is set as a registration field. In the member master table 12, a member number, a card number, an address name, the number of points (remaining number), the last use date, and the current year's payment points are set as registration fields. The management database 5 can also be accessed from the mutual aid union terminal (PC or the like) 8, so that the information in each of the tables 10, 11, and 12 can be sequentially referred to, and information on the permitted fields is Updates are also possible.

Further, the credit card company is provided with computers 4 and 6 having software for controlling information such as the databases 5 and 7 and controlling them.
The operation processing control shown in FIG. 4 is performed by the interlocking operation 9 between the computers 4 and 6.

That is, billing information relating to a credit card transaction is transmitted from a credit processing terminal of a member store or the like to the credit card company and stored (2 → 3 → 6 in FIG. 1). (T1) is searched in the member master table of the host for the presence or absence of the identification number among the card numbers. If there is an identification number, the billing information is the computer for the subsidy management system (4 in FIG. 1).
The search is performed in the registration information of the facility etc. table using any one of the member store code / industry code / terminal number of the transmission source as a key (T2). Referring to the registration information, the points corresponding to the request are converted within the subsidy range of the individual limit (T3). In these flows, when there is no identification number or when there is no record such as the member store code of the transmission source, the same processing as that of a general member is performed (T9). Next, by using the card number as a key, the registered information in the member master table is searched (T4), the number of remaining points in the matching record is referred to, and the converted points are set using the number of remaining points as the maximum range. Then, the subtraction value is updated as a new remaining point number (T5, T5).
6). In this flow, when there is no member number (for example, withdrawing from the union member) and when there is no remaining point number, the same processing as that of a general member is performed (T9). Even if there is a remaining point number, if the subtraction value becomes negative as a result of the subtraction, all the updated values may be set to 0. Next, the deducted points are converted into cash (T7), and the converted amount is subtracted from the billing information of the union member's billing information in the member database, and the billing amount of the union mutual aid society's billing information is calculated. The billing information is updated by adding (T8). Thereafter, billing processing similar to that of a normal member is performed (T10).

Next, the flow of this embodiment will be described with reference to FIGS. The mutual aid union makes a contract with the credit card company for the point management service of the subsidy system, and the credit company issues a predetermined affiliate card 1 to the union members after the credit member screening ((1) in FIG. 2). At the time of this agreement, the Mutual Aid Association will determine which merchants are eligible for the grant,
Registration of individual point frames and the like is performed ((2) in FIG. 2). When a member uses a credit card 1 in a subsidized facility or the like ((3) in FIG. 2), the billing information is transmitted from the terminal 2 of the store to the credit card company via the settlement net 3 (FIG. 2). (Four)). Under the control shown in FIG. 4, the credit card company performs each judgment and calculation process on the transmitted billing information ((5) to (8) in FIG. 2), and uses the bill after subtracting the subsidy. Was notified (see Figure 2
(9)) On the specified date, it will be deducted from the designated account of the union member ((11) in Fig. 2). Claims reduced by the subsidy points will be separately notified to the Mutual Aid Union as a monthly report ((10) in FIG. 2) and debited on the specified date ((1 in FIG. 2).
1)).

As described above, according to this embodiment, the management of the subsidy points for the members of the mutual aid union is performed integrally with the billing process of the credit card company by using the credit card transaction. In other words, the mutual aid union does not need to be involved in any of its processing tasks. In addition, in order to increase the number of grants, it is only necessary to notify the credit card company and register that fact, so there is no trouble other than that, so it is sufficiently possible to increase the number of grants according to the members' wishes. Has become. In addition, union members do not need to attach receipts or apply to the Mutual Aid Union Headquarters simply by conducting credit card transactions using affiliated cards. The system is easy to use.

Of course, depending on various circumstances, some auxiliary work such as submission of a receipt may remain or be mixed. Further, there may be a registration / change method based on paper or the like without using a connection terminal with the management system. Furthermore, members of a conventional group who do not become credit members may be mixed, or special handling depending on members or members' grades may be mixed.

[0024]

As described above, according to the subsidy management system for group members according to the present invention, the management of the subsidy frame of the members does not need to be performed manually as in the prior art, and the control means is completely eliminated. Is automatically performed by the control of the database by. For this reason, the trouble of managing the organization is completely eliminated, and there is no factor that hinders a substantial increase in the number of grants, and the grants can be expanded according to the members' wishes.

On the other hand, the present system uses a database in which billing information for each member of the credit institution is registered, and it is not necessary to newly prepare the entire system configuration. In addition, the cost can be reduced.

In addition, when the member uses the subsidized object, the subsidized billing process is automatically performed only by performing margin transactions, so that complicated application procedures as in the prior art are not required. Therefore, the convenience when using the subsidy object is greatly improved, and the period until the subsidy is subsidized, that is, the time lag is zero, compared with the conventional temporary repayment burden until the subsidy is paid. This greatly improves the convenience.

[Brief description of the drawings]

FIG. 1 is a configuration diagram of an entire system according to an embodiment.

FIG. 2 is a flowchart of using the system according to the embodiment.

FIG. 3 is an explanatory diagram of a hierarchical structure of tables and records in a grant management database according to the embodiment.

FIG. 4 is a flowchart of grant management control according to the embodiment.

[Explanation of symbols]

 1 Affiliated credit card 2 Credit processing terminal 3 Payment net 4 Computer for grant management system 5 Management service database 6 Credit card company host computer 7 Member database 8 Mutual aid union headquarters terminal (PC, etc.)

Claims (1)

[Claims] Claims 1. Facilities and the like that are subject to margin transactions through credit institutions are designated as subsidized facilities and the like designated by a group, and the groups and members of the group are members of the credit institutions, and the credit transactions are made. Is a subsidy management system that manages the subsidy for the subsidy system for the members, and in addition to the member identification information of the credit institution and the database in which the billing information for each member is registered, A database is provided in which specific information such as facilities targeted by the subsidy system, specific information of members of each organization, and individual subsidy information of each member are provided. Upon receiving billing information on margin transactions from, the billing information will be referred to the specific information in both databases as appropriate, and the subject of the transaction will be conducted in the transaction of the target facility and group members. Judgment is made as to whether or not there is a transaction, and if it is determined that the transaction is for the target facility, etc. and a group member, the individual sub-payment information of the member is referred to, and the member It is determined whether or not there is any remaining in the setting frame. If there is any remaining, a predetermined sub-cost equivalent within the range of the remaining is subtracted from the billing amount of the billing information and the sub-cost setting frame, and is subtracted. Control means for performing arithmetic processing for adding the subsequent billing amount as the billing amount to the member and the subtracted billing amount as the billing amount to the group, and adding the calculated billing information to the member-specific billing information. Grant management system for group members.