JP2003296645A - Card management system and card member control system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To easily store a point more than an existing credit card. <P>SOLUTION: When using an association card, settlement is processed by a settlement data processing company device via a data control company device. An association device integrates the point. The association device has a point control means for integrating and controlling the point with respective customers by receiving point information from the data control company device, and a card information receiving registering means for controlling a member master file by receiving information on card use from the settlement data processing company device. The data control company device has a point informing means for informing the association device of the point by receiving card information from a member store terminal, and a settlement information transmitting means for sending settlement data to the settlement data processing company device. The settlement data processing company device has a settlement information processing means for receiving and processing the settlement data by the card use from the data control company device, and a card information transmitting means for sending information on the card use to the association device. <P>COPYRIGHT: (C)2004,JPO

Description

Detailed Description of the Invention

[0001]

The present invention relates to various existing credit cards, other debit cards, IC cards,
In the event that this partnership card is used, we will issue a partnership card that incorporates a customer's card, cash membership card, DNA card, etc. referred to in this application as a card, and newly incorporates unique points and electronic coupon functions. The present invention relates to a card management system capable of automatically adding points and processing electronic coupons and the like by using a computer system under the control of a partnership using a network. In the present invention, what is referred to as an electronic coupon is not limited to a so-called discount coupon or a special coupon ticket, but also includes coupons already paid and various tickets.

Still another object of the present invention is to issue a partnership card in cooperation with a credit card company or a company that issues customer cards, cash membership cards, etc., rather than a major credit card company, and a regional specialized association. By using this combination card to the customer, it is possible to compare with existing credit cards and other cards and to obtain data on the card usage status in a more limited range by the combination itself. It is related to the member management system.

[0003]

2. Description of the Related Art There are many types of credit cards that are already in circulation nationwide, and it is common for each credit card to have points for receiving cash back according to the amount of money used. .

On the other hand, a large number of cards, which can be used only in a specific corporate group or in a store or a shopping district in one region, have been issued to attract customers. In the case of such a card, other credit cards are issued. There are two types, such as a partnership card that is affiliated with the company and has a payment function, and a membership card that is issued for points accumulation and cash discounts.

[0005]

In order to use such an existing major credit card, it is necessary for each company or store to make a contract with each credit card company. Further, even when issuing an affiliated card unique to a company or a store, it is necessary to make a contract with any credit card company in order to perform payment. On the other hand, the points accumulating process, the electronic coupon process, etc. must be independently performed by the company or store that issues the affiliated card. Also,
Debit cards also have various restrictions.

However, when a retail store or the like in one region tries to make a contract with a large credit card company, a certain amount of labor is required, and it is the actual situation that the fees and payment conditions are not exactly as desired.

On the other hand, when issuing a tie-up card, there are the same problems as described above, and since the point accumulating work and the like must be managed by the company, the labor for that is also great. Moreover, since such points are added only when the affiliated card is used at the store, it is inconvenient for the consumer to use a large number of cards in order to accumulate points. Then, it is troublesome to properly use such affiliated cards depending on the store, and in reality, only one or two specific credit cards are used by one individual.

That is, a company that has already issued such a tie-up card and a company that wishes to issue the tie-up card are collectively established as an association, and this association forms a tie-up with a credit card company. If the card is issued and points are added when the card is used at a member store of the association, the convenience of the card is enhanced. In particular, it becomes easy to issue a card in a rural area or a shopping district where there are many small stores. Further, for those who already have their own affiliated card that is affiliated with the credit card, this affiliated card may function as a combination card. This also applies to debit cards and other cards.

The union referred to in this application is not limited to a legally established union and has a legal personality, and those who agree with the purpose of accumulating points, issuing electronic coupons and the like are gathered. For the sake of convenience, they are called unions, and may actually be run by individuals or companies, or for this reason they may not be newly established but be a division of an existing company. Good.

If points for managing the union are added when the union card is used in the union member store, the union member stores are concentrated in a limited commercial area, so that the card user has points. There is an advantage that it is easy to collect.
In addition, the convenience of the card can be dramatically improved because the card can be used for shopping in a specific region, which is a single card, in various industries without worrying about benefits such as points.

Further, in order to increase the utilization rate of the association card, the association card member store issues an electronic coupon for receiving discounts and the like, so that the customer can use the Internet to incorporate the electronic coupon into the association card. If a predetermined discount or the like is received when the card is used at a member store, the utilization rate of the combination card can be further increased.

[0012] Further, since the range in which the union card is used is limited to some extent, it is possible to obtain pinpoint customer information by managing the customer information together with the point accumulation, which is useful for union member stores. It is possible to obtain various information. And it is troublesome to carry out point management and customer information management at individual stores and companies, but by centrally managing these by the union's computer system, union members donate some fees to the union. Instead of doing that, you can get more benefits. Furthermore, by integrating the information in each of these areas, it will be possible to use it for nationwide marketing.

[0013]

Therefore, a card management system according to the present invention relates to a point process and an electronic coupon process for a combination card, and relates to a customer terminal, a member store terminal, a combination device, a data management company device, and settlement data processing. When the company device is connected via the communication network and the union card is used at the member store, the payment is processed by the data processing company device through the data management company device and the points are accumulated in the union device. In addition, when using a combination card incorporating an electronic coupon, the card management system is such that the data management company device performs a charge settlement process.
An electronic coupon issuing means for transmitting an electronic coupon capture screen to a customer terminal and inputting a combination card number to capture an electronic coupon to a customer; and an electronic coupon issue notifying means for notifying the data management company device of the issued content of the electronic coupon. , An electronic coupon notification means for transmitting information that each customer has captured an electronic coupon to the data management company device, and an electronic coupon usage information receiving device for receiving the usage result of the electronic coupon from the data management company device, and further combining In the device, a point management means for receiving point information from the data management company device and integrating and managing points for each customer, and a card for receiving information on card use from the payment data processing company device and managing the member master file. Information receiving / registering means, and in the data management company device, the union device , Electronic coupon receiving means for receiving the issued content of the electronic coupon, electronic coupon management means for receiving the electronic coupon information fetched by each customer from the union device, and receiving the card information from the member terminal to clear the electronic coupon. The data management company device further includes an electronic coupon processing unit for processing, and the data management company device receives point information from the member store terminal to notify the union device of points, and the payment data processing company device sends payment data to the payment device. In the payment data processing company device, the payment information processing means, which receives the payment data from the data management company device and processes the payment data, and the card information transmission device, which sends the information about the card usage to the combination device, It is equipped with and.

Or, in the above card management system,
It is a system only for processing points, or a system only for processing electronic coupons.

On the other hand, the card member management system according to the present invention is, in addition to the card management system for the above point processing, for the customer information of the association card, in the association device, the card information for transmitting the card use information to the association card issuing company device. The union card issuing company device is provided with a card use information receiving device for receiving card use information from the union device and a card information update managing device for updating and managing the card information registered in the member master file. It is a thing.

[0016]

As for the processing of points, as shown in FIG.
The card use information is transmitted from the member store terminal 50 to the data management company device 20, the point information is transmitted from the data management company device 20 to the union device 10, and the settlement data is transmitted to the settlement data processing company device 30. Then, the card use information is sent from the settlement data processing company device 30 to the union device 10.
And the settlement data to the settlement credit company server 80 which finally performs the procedure for the bank 90.

Regarding the processing of the electronic coupon, as shown in FIG. 3, the customer connects to the combination apparatus 10 from the customer terminal 40 and takes in the electronic coupon. Then, the association device 10 transmits the issued content of the electronic coupon and the information of the electronic coupon taken by the customer to the data management company device 20. On the other hand, the card use information about the card in which the electronic coupon is fetched from the member store terminal 50 is transmitted to the data management company device 20, the data management company device 20 arithmetically processes the electronic coupon, and the data management company device 20 outputs the electronic coupon. The usage result is transmitted to the union device 10 and the settlement data is transmitted to the settlement data processing company device 30.

Regarding customer management in FIG.
The card use information is transmitted from the association apparatus 10 to the association card issuing company apparatus 70, and the association card issuing company apparatus 70 updates and manages the card information registered in the member master file.

[0019]

BEST MODE FOR CARRYING OUT THE INVENTION Next, an embodiment of a card management system and a card member management system according to the present invention is shown in FIG.
An explanation will be given based on a diagram showing the system configuration of FIG. Although the present embodiment will be described below in the case of a credit card, the processing of electronic coupons and point management can be performed in the same manner for other cards. This system includes a combination device 10, a data management company device 20, a settlement data processing company device 30, a customer terminal 40, and a member store terminal 5.
0 and a network 60 connecting them. Also, if necessary, a company card issuing company device 7
0, the settlement credit card company device 80, and the bank 90 are also connected to the network 60. Each of these devices is realized by a computer. The network 60 uses, for example, the Internet, but may be another communication network, an intranet, or a LAN.

The customer terminal 40 is not only a general telephone terminal to which a computer is connected but also an E of a mobile telephone.
It may be accessed by the mail function or the Internet connection function of a WAP compatible model. Also,
If the member store terminal 50 having a card reading function is used and the member store terminal 50 is used in cooperation with the POS system or the like, the purchase item or the like for each customer can be managed at the same time.
On the other hand, the combination device 10 and the data management company device 20, or the data management company device 20 and the payment data processing company device 30 may be connected by a dedicated line. Or combination device 10
And the data management company device 20 and the data management company device 20
And the payment data processing company device 30 may be effectively incorporated in one computer system. If the payment data processing company and the payment credit card company are the same, the payment data processing company device 30 may also serve as the payment credit card company device 80.

The combination device 10 has the following structure. Reference numeral 11 is an association terminal connected to the network 60, and reference numeral 12 is an electronic coupon fetching screen for the customer, and the customer selects the desired electronic coupon and inputs the association card number and other necessary items to obtain the electronic coupon. It is an electronic coupon issuing means for taking in. Thirteen
Is an electronic coupon issuance notifying means for notifying the data management company device 20 of the issued contents of the electronic coupon, for example, the name of the issued store, the amount of the coupon, the period of use, the conditions of use, and the like. Reference numeral 14 is information about the electronic coupon that each customer has fetched from the customer terminal 40 to the data management company device 20,
For example, it is an electronic coupon notification means for notifying the issue date of the electronic coupon, the customer name, the association card number, the available store name, the amount of the coupon, and the like. Reference numeral 15 denotes an electronic coupon use information receiving means for receiving the use result of the electronic coupon from the data management company device 20 when the customer uses the electronic coupon at the member store.

Reference numeral 16 is a point management means for receiving point information from the data management company device 20 and integrating and managing points for each customer when the customer uses the association card at the member store. The customer may access the point management means 16 from the customer terminal 40 and input his or her combination card number or other necessary password to confirm his or her accumulated points.

Further, 17 is card information for managing and managing the member master file 18 by receiving information on card usage from the settlement data processing company device 30, for example, information on usage amount, usage date and time, usage shop and use of electronic coupon. It is a reception registration means.

Furthermore, 19 is a card information notifying means for transmitting to the association card issuing company device 70 information regarding card use for association card members. The content to be notified may be arbitrarily selected according to the situation at that time, but for example, not only the customer information of only the member store but also the information of other companies in the same industry other than the member store should be notified. Is also possible.

The data management company device 20 has the following configuration. 21 is a data management company terminal connected to the network 60, and 22 is a card information receiving means for receiving and managing card information from the member store terminal 50. Reference numeral 23 is an electronic coupon receiving means for receiving the issued content of the electronic coupon from the combination apparatus 10, and 24 is an electronic coupon management means for receiving the electronic coupon information taken in by each customer from the combination apparatus 10. Reference numeral 25 is an electronic coupon processing means for receiving the card information from the member store terminal 50 through the card information receiving means 22 and processing the settlement of the electronic coupon. Specifically, since the electronic coupon management means 24 has already registered that the electronic coupon has been taken in by the customer inputting the card number from the customer terminal 40, the card information from the member store terminal 50 is checked. By doing so, it is automatically recognized that the card in which the electronic coupon has been used has been used, therefore the customer's usage amount is calculated according to the content of the electronic coupon, and the result of discounting the electronic coupon is immediately settled on the spot. Amount of money.

Further, 26 receives the card information from the member store terminal 50 via the card information receiving means 22, and receives the card information from the member store terminal 50.
It is a point notifying means for notifying points to 0. The points given by using the card may be calculated simply based on the amount of money used, or by another calculation method. Then, this point calculation method is incorporated in the point notification means as a system, and the points are automatically calculated based on this and notified to the combination apparatus 10. The point calculation method can be changed by changing the point calculation program of the point notification means.

Furthermore, 27 is a settlement data processing company, which sends settlement data to the device 30, for example, various data necessary for settlement processing of the card such as card holder, amount used, type of card used, card number, store used, and payment method. It is a means for transmitting payment information.

The settlement data processing company device 30 has the following configuration. Reference numeral 31 is a payment data processing company terminal connected to the network 60, and 32 is a payment information processing means for receiving the payment data from the data management company device 20 by using the card and performing necessary processing. Reference numeral 33 is a card information transmitting means for transmitting information regarding card use to the combination apparatus 10. Further, reference numeral 34 is a payment requesting means for notifying the payment credit company server 80 of information necessary for the actual payment operation at the payment credit card company.

The association card issuing company device 70 has the following configuration. Reference numeral 71 is a company card issuing company terminal connected to the network 60, 72 is a card use information receiving means for receiving the card use information of the partner card member from the partner apparatus 10, and 73 is a member master file based on this information. 14 is a card information reception registration means for updating and managing 14.

The settlement credit card company device 80 has the following configuration. Reference numeral 81 is a payment credit card company terminal connected to the network 60.
Reference numeral 2 is a card information update management means for receiving payment request data from the payment data processing company device 30 and updating and managing the member master file 83. Then, the payment credit card performs the payment processing normally performed on the basis of the payment request data for the bank or the like.

Next, the flow of the point processing system and the card member management system in the above system will be described with reference to FIG. Union card used at member stores (S
When 1) is done, the card use notification (S2) is sent from the member store terminal 50 to the data management company device 20 by passing through the card reader in the member store. The card information receiving means 22 of the data management company device 20 receives the use of the combination card (S3).

Then, points according to the usage amount are calculated by the point notification means 26 of the data management company device 20, and the point data are transmitted to the point management means 16 of the combination device 10 (S4).

On the other hand, the data necessary for payment is transmitted from the payment information transmitting means of the data management company device 20 to the payment data processing means 32 of the payment data processing company device 30 for payment of the charge generated by using the card (S5). It Then, the payment request data of the payment data processing company device 30 is further transmitted to the card information update management device of the payment credit card company device 80 (S6).

Further, the card information transmitting means 33 of the settlement data processing company device 30 transmits the information about the card use to the card information receiving / registering means 17 of the union device 10 (S7).
To be done. Then, the card information notifying means 19 of the association apparatus 10 further transmits information about card use to the card use information receiving means 72 of the association card issuing company apparatus 70 (S8). Based on this transmission, each association card issuing company updates the member master file 74 and manages the members.

Next, the flow of the electronic coupon processing system in the above system will be described with reference to FIG. First, the union decides to issue an electronic coupon in consultation with the member store, and based on this decision, the electronic coupon issue notifying means 13 of the union apparatus 10 notifies the electronic coupon receiving means 22 of the data management company apparatus 20 that the electronic coupon is issued. (S9) is performed.

On the other hand, the customer connects from the customer terminal 40 to the home page of the union device 10 established on the Internet site and calls the electronic coupon loading screen. As a method of importing an electronic coupon, for example, when a desired electronic coupon is selected on the import screen and a combination card number is input on the import screen, the electronic coupon issuing means 12 of the combination device 10 records that the electronic coupon has been issued to the customer. At the same time, the information of the fetched electronic coupon is sent to the electronic coupon management means 23 of the data management company device 20 and the electronic coupon is fetched (S1).
0) is completed. As an electronic coupon import method, if you are using an IC card as a combination card or a mobile phone as a customer terminal,
The captured electronic coupon may be recorded in an IC card or a mobile phone.

When the customer uses the combination card containing the electronic coupon (S11), the member shop terminal 50 passes the card to the reader to read the electronic coupon from the member store terminal 50 to the electronic coupon processing means 24 of the data management company device 20. A usage notice (S12) is sent, it is confirmed that the electronic coupon is taken into the card by collating with the electronic coupon management means 23, the electronic coupon is cleared, and the amount is used on the card. Settle as a charge (S13).

It should be noted that taking in the electronic coupon may specifically take the electronic coupon into the IC card or the mobile terminal as described above, but as described in the above embodiment, the customer uses his or her own combination at the customer terminal. If you can enter the card number on the screen and use the union card at a member store to automatically receive the benefits of the electronic coupon, it means that you have imported the electronic coupon into this union card.

[0039]

As described above, according to the card management system according to the present invention, in the combination device, the electronic coupon capture screen is transmitted to the customer terminal, and the combination card number is entered to allow the customer to capture the electronic coupon. A coupon issuing means, an electronic coupon issue notifying means for notifying the data management company device of the issued contents of the electronic coupon, and an electronic coupon notifying means for transmitting information in which each customer has taken in the electronic coupon to the data management company device, An electronic coupon use information receiving means for receiving the use result of the electronic coupon from the data management company device, and further, the union device receives point information from the data management company device and accumulates and manages points for each customer. Members receive information about card usage from the management means and the payment data processing company device The data management company device includes an electronic coupon receiving device that receives the issued contents of the electronic coupon from the union device, and the electronic coupon information that each customer has taken in from the union device. Electronic coupon management means and electronic coupon processing means for receiving the card information from the member store terminal to settle the electronic coupon. Further, the data management company device receives the card information from the member store terminal and combines it. The point notification means for notifying points to the device and the payment information transmission means for sending the payment data to the payment data processing company device are provided, and the payment data processing company device receives the payment data by using the card from the data management company device. Payment information processing means to process and send card information information to association device Because it has a step, the union can manage and process the management of points and electronic coupons collectively, compared to individual companies and shops issuing their own various cards The labor required is reduced, and the customer can accumulate points at a large number of stores with one union card and can easily use the electronic coupon, which is extremely convenient.

Further, according to the card member management system of the present invention, in addition to the above point processing system, the union device is provided with card information notifying means for transmitting the card use information to the union card issuing company device, and the union card issuance is issued. Since the corporate device is provided with the card use information receiving means for receiving the card use information from the union device and the card information update management means for updating and managing the card information registered in the member master file, the union has its own Information on card members can be obtained by each association card issuing company, information on customers in a limited area can be arranged and obtained, and effective information for marketing can be obtained.

[Brief description of drawings]

FIG. 1 is a diagram showing a system configuration of a card management system and a card member management system according to the present invention.

FIG. 2 is a block diagram of point processing and member management in the card management system and the card member management system according to the present invention.

FIG. 3 is a block diagram of electronic coupon point processing in the card management system according to the present invention.

FIG. 4 is a system configuration diagram of a combination device of a card management system and a card member management system according to the present invention.

FIG. 5 is a system configuration diagram of a data management company device of a card management system and a card member management system according to the present invention.

FIG. 6 is a system configuration diagram of a payment data processing company device of the card management system and the card member management system according to the present invention.

FIG. 7 is a system configuration diagram of a combination card issuing company device of the card management system and the card member management system according to the present invention.

FIG. 8 is a system configuration diagram of a settlement credit card company device of the card management system and the card member management system according to the present invention.

FIG. 9 is a flowchart showing a point processing method and a official seal management method in the card management system and the card member management system according to the present invention.

FIG. 10 is a flowchart showing a point processing method for an electronic coupon in the card management system according to the present invention.

[Explanation of symbols]

10 Union device 11 union terminals 12 Electronic coupon issuing means 13 Electronic coupon issue notification means 14 Electronic coupon notification means 15 Electronic Coupon Usage Information Receiving Means 16 points management means 17 Card information reception registration means 18 Member Master File 19 Card information notification means 20 Data management company equipment 21 Data management company terminal 22 Card information receiving means 23 Electronic coupon receiving means 24 Electronic Coupon Management Means 25 Electronic Coupon Processing Means 26 points notification means 27 Payment information notification means 30 Payment data processing device 31 Payment data processing company terminal 32 Payment Information Processing Means 33 Card information transmission means 34 Payment Request Means 40 customer terminal 50 member store terminals 60 network 70 Association card issuing company device 71 Union card issuing company terminal 72 Card usage information receiving means 73 Card information update management means 74 Member Master File 80 Payment Credit Card Company Equipment 81 Payment Credit Card Company Terminal 82 Card information update management means 83 Member Master File 90 banks

Claims (4)

[Claims] 1. Various types of cards such as existing credit cards and other debit cards, IC cards, customer cards, cash membership cards, DNA cards (hereinafter, the above-mentioned "credit card" and "other various cards" are collectively referred to as ""Cards") issued by the union in partnership with the association, or cards issued by affiliated companies issued by existing card types and those affiliated with the association (hereinafter referred to as "union issue card" and "issued by affiliated company"). "Card" is generically referred to as "combination card".) With respect to point processing and electronic coupon processing, customer terminals, member store terminals, combination devices, data management company devices, and payment data processing company devices are connected via a communication network. However, if the union card is used at a member store, the payment data processing company device can be used through the data management company device. It is a card management system that is processed and accumulated points in the association device, and when using an association card incorporating an electronic coupon, the data management company device performs fee settlement processing. , In the combination device, an electronic coupon issuing means for transmitting an electronic coupon capture screen to the customer terminal and inputting the combination card number to capture the electronic coupon to the customer, and an electronic device for notifying the data management company device of the issued contents of the electronic coupon. A coupon issue notifying means, an electronic coupon notifying means for transmitting information in which each customer has captured an electronic coupon to the data management company device, and an electronic coupon utilization information receiving means for receiving the use result of the electronic coupon from the data management company device. In addition, in the union device, the point information from the data management company device The data management company device has point management means for receiving and managing points accumulated for each customer, and card information reception and registration means for receiving information on card usage from the payment data processing company device and managing the member master file. , An electronic coupon receiving means for receiving the issued contents of the electronic coupon from the union device, an electronic coupon management means for receiving the electronic coupon information fetched by each customer from the union device, and an electronic device for receiving the card information from the member store terminal. The data management company device further includes electronic coupon processing means for clearing the coupon, and the data management company device receives point information from the member store terminal to notify the union device of points, and the payment data processing company device payment data. And a payment information transmitting means for transmitting the A card management system, comprising: a payment information processing means for receiving and processing payment data by using a card from a card, and a card information transmitting means for sending information on card usage to a combination device. 2. Regarding the point processing of the association card, when the association card is used in the member store by connecting the member store terminal, the association device, the data management company device and the payment data processing company device through the communication network, the data is stored. A card management system in which payment is processed by the management data processing company device through the management company device, and points are accumulated at the combination device, and the combination device receives the point information from the data management company device. It is equipped with point management means for managing points accumulated for each customer and card information reception registration means for receiving information on card usage from the payment data processing company device and managing the member master file. Point notification hand that receives card information from the terminal and notifies the association device of the points And a payment information transmitting means for transmitting payment data to the payment data processing company device, wherein the payment data processing company device receives payment data from the data management company device and processes the payment data. A card management system comprising: a card information transmitting means for transmitting information on card use to a combination device. 3. Regarding electronic coupon processing of a combination card, a customer terminal, a member store terminal, a combination device, a data management company device, and a payment data processing company device are connected via a communication network, and a combination card incorporating an electronic coupon is provided. This is a card management system that allows the data management company device to settle the charges when used, and in the combination device, the electronic coupon import screen is sent to the customer terminal to input the combination card number and the electronic coupon is provided to the customer. Electronic coupon issuing means to be taken into account, and electronic coupon issue notifying means for notifying the data management company device of the issued content of the electronic coupon, and an electronic coupon for transmitting information in which each customer has taken the electronic coupon to the data management company device A notification means and an electronic coupon that receives the usage result of the electronic coupon from the device of the data management company. The credit card information receiving and receiving means and the card information receiving / registering means for receiving the information about the card usage from the payment data processing company device and managing the member master file. Electronic coupon receiving means, electronic coupon management means for receiving electronic coupon information captured by each customer from the union device, and electronic coupon processing means for receiving card information from a member store terminal and processing electronic coupons. And a payment information transmitting means for receiving the card information from the member store terminal and transmitting the payment data to the payment data processing company device, and the payment data processing company device receives the payment data by the card use from the data management company device. Payment information processing means to receive and process, and card information to send information on card usage to the association device. Card management system characterized by comprising a transmission unit. 4. The customer information of the association card, the member store terminal, the association device, the data management company device, the payment data processing company device, and the association card issuing company device are connected via a communication network, and the association card is used at the member store. When using, the payment data processing company device performs payment processing through the data management company device and points are accumulated in the union device, and the card data information is transmitted from the payment data processing company device to the union device. In addition to the card management system according to claim 2, a card member management system in which card use information is transmitted from the association device to the association card issuing company device. Equipped with a card information notification means for transmitting card usage information, the association card issuing company device, Cardholder management system comprising: the card usage information receiving means for receiving the card usage information from the coupling device, and a card information update management means for updating the management card information registered in the member master file.