JP2004174808A - Credit card with bar code and card point management method using the same - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a credit card with a bar code, in which no dedicated card reader is necessary for the certification of a point service member, and a card point management method capable of collectively managing a card point irrespective of account settlement with cash or the credit. <P>SOLUTION: This credit card 1 with a bar code has a bar code 2 readable with a POS terminal. In the bar code 2, a point service member number is recorded. In order to manage the card point by the credit card 1 with the bar code, in the case of the settlement of accounts with cash, the management method includes a step in which the certification of the point service member is performed by reading the bar code with the POS terminal 4 and a step in which the card point is added to a point server 7 by employing the point service member number as a key, and a step in which the card point after being added is printed and outputted on a receipt sent out of the POS terminal 4, after the member is certified. <P>COPYRIGHT: (C)2004,JPO

Description

[0001]
TECHNICAL FIELD OF THE INVENTION
The present invention provides, for example, at points of sale or use of services to customers, at points of sale of goods or stores that provide services, points are added according to the sales amount, and benefits such as reduction of goods are provided. The present invention relates to a credit card with a barcode used for a point service utilizing a credit card among so-called point services, and a card point management method using the same.
[0002]
[Prior art]
As a device and a method for managing card points in a point service utilizing a credit card, various technologies have been proposed, for example, as disclosed in Patent Documents 1 to 4.
[0003]
In this point service, in order to add a card point when a customer buys a product at a store or the like, it is necessary to first perform member authentication as to whether or not the customer is a member of the point service. However, in the technology proposed in each of the above patent documents, information such as a member number for member authentication is magnetically recorded on a card, and therefore, a dedicated card reader is required for member authentication. .
[0004]
In addition, in this card point management, since a credit processing system is used, it is not possible to cope with cash settlement, and it is necessary to separately issue a cash settlement point card. For this reason, the point accumulation information is provided to the member separately for the cash settlement and the credit settlement, which is inconvenient for the member.
[0005]
[Patent Document 1]
JP-A-10-214382
[Patent Document 2]
JP-A-11-195061
[Patent Document 3]
JP-A-11-339130
[Patent Document 4]
Japanese Patent No. 3174500
[Problems to be solved by the invention]
The problem to be solved by the present invention is to provide a credit card with a bar code that does not require a dedicated card reader for the point service member authentication, and whether the payment is made by cash or credit. Another object of the present invention is to provide a card point management method capable of managing card points collectively.
[0010]
[Means for Solving the Problems]
In order to solve the above problem, a credit card with a bar code has a bar code on which a point service member number is recorded and which can be read by a POS terminal. It performs member authentication. As described above, in the credit card with a barcode of the present invention, the membership authentication of the point service can be performed by the existing POS terminal such as a store, and therefore, a dedicated card reader for the membership authentication is unnecessary.
[0011]
The card point management method of the present invention uses the above-described credit card with a bar code, and in the case of cash settlement, reads a bar code with a POS terminal to perform member authentication of a point service, and In this case, the method includes a step of adding card points to the point server using the point service member number as a key, and a step of printing and outputting the added card points on a receipt from the POS terminal. In this card point management method, in the case of credit settlement, the POS terminal reads the credit card number recorded on the credit card with a bar code and approves the use of the credit card. A card point is added to the member management server using the number as a key, and a card point based on the credit card number is added to the point server using the point service member number linked to the credit card number as a key.
[0012]
As described above, according to the card point management method of the present invention, since the point management is performed through the POS system, the card points can be managed collectively regardless of whether the payment is cash or credit. That is, in both the cash settlement and the credit settlement, the point information is finally stored in the point server, so that all the points related to the credit card with the barcode can be managed collectively.
[0013]
BEST MODE FOR CARRYING OUT THE INVENTION
Hereinafter, an embodiment of the present invention will be described with reference to the accompanying drawings.
[0014]
FIG. 1 is a back view of a credit card with a barcode of the present invention (hereinafter referred to as “the present card”). As shown in FIG. 1, a bar code 2 on which a member number of the point service is recorded and a magnetic tape 3 on which a credit card number is recorded are provided on the back of the card 1. The barcode 2 can be read by a POS terminal of a normal POS system, thereby performing point service member authentication.
[0015]
FIG. 2 is a system configuration diagram for implementing the card point management method of the present invention using the present card. The system shown in FIG. 1 includes a POS terminal 4, a credit server 5, a member management server 6, and a point server 7.
[0016]
As the POS terminal 4, a normal type having a bar code reader can be used. The credit server 5 stores a credit card number and customer information such as customer use information and payment information corresponding to the credit card number. Based on the customer information, it is determined whether or not the credit card use approval is permitted. The member management server 6 is connected to the credit server 5 and the point server 7, in which a point service member number and a credit card number are linked, and points corresponding to the customer are stored. The point server 7 is connected to the POS terminal 4 and the member management server 6, and accumulates and stores points for each point service member number. The card points for cash settlement are directly added from the POS terminal 4 using the point service member number as a key. The card point in the case of the credit settlement is also added to the point server 7 by using the point service member number as a key because the point service member number and the credit card number are linked in the member management server 6.
[0017]
FIG. 3 is a flowchart showing a processing procedure of the system of FIG. Hereinafter, each step of the card point management method of the present invention will be described with reference to FIG.
[0018]
First, when a customer applies for a credit card (step 1), a point service member number and a credit card number are issued (step 2). The point service member number is stored in the point server 7 of FIG. 2, and the credit card number is stored in the credit server 5 of FIG. 2 (Step 3). Further, the point service member number and the credit card number are linked and stored in the member management server 6 (step 4). Based on the information from the member management server 6, this card 1 (the credit card with a bar code) is Issued (Step 5).
[0019]
When using the present card 1, in the case of cash settlement, the bar code 2 of the present card 1 shown in FIG. 1 is read by the bar code reader of the POS terminal 4 (step 6), and the point service member stored in the point server 7. Member authentication is performed by checking the number (step 7). When the member is authenticated, a card point corresponding to the usage / purchase amount is added to the point server 7 (step 8), and the card point information corresponding to the point service member number is updated (step 9). Then, the POS terminal 4 receives the updated card point information from the point server 7, prints the card point on the receipt, and outputs it (step 10).
[0020]
When the customer uses a privilege such as a reduction (step 11), the corresponding card points are subtracted from the card point information stored in the point server 7 (step 12), and the point server is updated (step 9). ). The updated point information is reflected at the time of receipt output at the time of cash settlement at a later date.
[0021]
On the other hand, in the case of credit settlement, the magnetic tape 3 of the card 1 shown in FIG. 1 is read by the POS terminal 4 (step 13), collated with the credit card number stored in the credit server 5, and the customer information is referred. Then, the credit card is authenticated and approved (step 14). If the use is not approved, the payment will be made by cash. If the use is approved, the card point corresponding to the use / purchase amount is added to the member management server 6 via the credit server 5 (step 15). The added points are totaled for each member and output to the member management server 6 as various storage media such as a flexible disk, a magneto-optical disk, and a magnetic tape (step 16). As described above, since the point service member number is linked to the credit card number in the member management server 6, card points are stored for each point service member number (step 17). The credit card payment points are added to the point server 7 using the point service member number as a key, and the point server is updated (step 9). The updated point information is reflected at the time of receipt output at the time of cash settlement at a later date.
[0022]
【The invention's effect】
The following effects are obtained by the present invention.
[0023]
1. Since point service member authentication can be performed using an existing POS terminal without using a dedicated card reader, a dedicated card reader is not required, and a significant system change of the existing POS is not required.
[0024]
2. Regardless of whether it is cash payment or credit payment, membership authentication and card point management can be performed with a single card, which improves customer convenience and leads to an increase in purchase rate.
[0025]
3. Since point-of-sale receipts are used for point notification, the cost of point notification using conventional bills and the like is greatly reduced.
[0026]
4. Since the latest accumulated points can be confirmed on the receipt and can be exchanged immediately at the store, it leads to improvement in repeat use.
[Brief description of the drawings]
FIG. 1 is a schematic plan view (back view) of the present card.
FIG. 2 is a system configuration diagram for implementing a card point management method of the present invention using the present card.
FIG. 3 is a flowchart showing a processing procedure in the system of FIG. 2;
[Explanation of symbols]
1 Credit card with barcode (this card)
2 Barcode 3 Magnetic tape 4 POS terminal 5 Credit server 6 Membership management server 7 Point server

Claims (3)

What is claimed is: 1. A credit card with a barcode having a barcode readable by a POS terminal, wherein the barcode has a point service member number recorded therein. A card point management method using the barcode-attached credit card according to claim 1,
In the case of cash settlement, a step of reading a barcode with a POS terminal and performing member authentication of the point service,
Adding a card point to the point server using the point service member number as a key when the member is authenticated;
Printing and outputting the added card points on a receipt from the POS terminal;
Card point management method including. In the case of credit settlement, a POS terminal reads a credit card number recorded on a credit card with a bar code and approves use of the credit card;
Adding a card point to the member management server using the credit card number as a key when the use is approved;
Adding a card point based on the credit card number to a point server, using the membership number of the point service linked to the credit card number as a key,
The card point management method according to claim 2, comprising:

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