JP2005063216A - Information integration system and method - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To associate the use of a credit card with comments such as a diary to contrast them. <P>SOLUTION: An authentication settlement system 5 is connected to an information integration system 1, and provided with a use history database 54 for receiving card use information including at least the card number of a member 2, card use date, card use amount and member store identification number from a member store terminal 6 when the member 2 uses a card, and for executing the authentication of the member 2 and the use validity determination of the card based on the member information, and for storing the card use information. This information integration system 1 is provided with a comment database 11 for receiving and storing comments adding a matching key from a member terminal 3, an integration means 12 for executing the association and integration of the card use information stored in the use history database 54 and the comments stored in the comment database 11 for each member based on the matching key and a browsing means 13 for browsing the integration result of the card use information and the comments in the integration means 12. <P>COPYRIGHT: (C)2005,JPO&NCIPI

Description

The present invention relates to an information integration system and an information integration method, and more particularly, to an information integration system and an information integration method capable of comparing credit card usage and comments.

  Conventionally, when a credit card member (hereinafter simply referred to as a card) makes a transaction such as shopping with a card member store using the card, the card usage statement is periodically (eg every month). An invoice (hereinafter simply referred to as a usage statement) is sent from the card company to the member.

  In order to pay for the card and to check whether the card has been illegally used by a person other than the member, the member should look at the card usage date, store name, and amount in the usage statement. , I remember what I was doing at that time, what I purchased. If you can't remember, you will also check the entries in the diary, schedule book, household account book, etc. that the member manages individually.

  Therefore, the member purchased a household account book or diary with a column describing that the card was used or a comment recording column, and entered the fact that the card was used in the household account book or diary. In addition, in order to increase the immediacy of input, there has been a system and method that can transmit information to be described in a household account book and diary via a network from a portable terminal (for example, see Patent Document 1 and Patent Document 2). ).

JP 2002-373135 A JP 2002-215855 A

  However, even if the fact that the card was used is described in the household account book or diary, after all, at the time of confirmation of the card usage statement, the item described in the usage statement and the corresponding item described in the household account book or diary There is no change in the amount of time and the usage statement and the household account book and diary are separately provided, so that each storage space is required and there is a problem in that it is not convenient.

Also, for those who do not have the habit of keeping a household account book or diary, there is no means to confirm the validity of the items described in the card usage statement (whether they actually used it), and as a result the usage statement itself In some cases, the members could not see.

  Therefore, in view of the above problems, the present inventor has developed an information integration system and an information integration method that can be used for instant comparison, browsing, etc., by associating the use of a credit card with a comment such as a diary. It was realized.

The invention of claim 1
Connected to an authentication settlement system that determines whether or not a credit card member can use a card, and connected to a member terminal such as a mobile phone or a personal computer via a network, and links and integrates a comment received from the member terminal and use of the card. In the information integration system, the authentication settlement system includes a member database that stores member information including at least the member's card number and credit information, and the member's card is used by the member from a credit card member store when using the member's card. An authentication settlement means for receiving card usage information including at least a card number, a card usage date, a card usage amount, and a member store identification number, and performing authentication of the member and card availability determination based on the member information; A usage history database for storing card usage information, and the information integration system includes: A comment database for receiving and storing a comment to which a matching key composed of information included in the card usage information is added from the member terminal, card usage information stored in the usage history database, and the comment An integration unit that links and integrates comments stored in a database for each member based on the matching key, and a browsing unit that enables browsing of card integration information and comment integration results in the integration unit Is an information integration system.

The invention of claim 9
Information integration comprising a first step of determining whether or not a credit card member can use a card, and a second step of linking and integrating a comment received from a member terminal such as a mobile phone or a personal computer with use of the card In the method, the first step includes a step of storing member information including at least the member's card number and credit information in a member database, and when using the member's card, from a credit card member store, the member Receiving card use information including at least a card number, a card use date, a card use amount, and a member store identification number, and performing authentication of the member and determining whether or not the card can be used based on the member information; Storing the usage information in a usage history database, and the second step includes: Receiving a comment to which a matching key composed of information included in the card usage information is added and storing it in a comment database; card usage information stored in the usage history database; and storing in the comment database The information integration method includes the steps of associating and integrating each comment based on the matching key for each member and integrating, and enabling the integration result of the card usage information and the comment to be viewed .

  According to the invention of claim 1 and claim 9, the card usage information indicating the card transaction fact (action fact) of the member and the comment indicating the emotion at the time of using the card and the details of the card usage are managed in association with each other, Since the organized diary is completed, it is easy to compare the card usage information and comments, and not only increases the convenience for members, but also promotes card enrollment and card mains.

The inventions of claim 2 and claim 10
The matching key is an information integration system and information integration method including a card usage date and a card usage amount in the card usage information.

  According to the second and tenth aspects of the present invention, if the matching key is composed of the card usage date and the card usage amount, it is easy to generate when the member sends a comment. Will be performed in a one-to-one relationship.

The inventions of claim 3 and claim 11
The matching key is an information integration system and an information integration method including the card number of the member.

  According to the third and eleventh aspects of the present invention, a unique matching key is generated by a combination of information for identifying a member and card usage information, and the card usage information and a comment are reliably linked.

The invention of claim 4
The information integration system or the authentication settlement system associates an e-mail address corresponding to a member terminal regardless of whether or not the member owns it with the card number of the member and registers it in the member database. The matching key is an information integration system including the mail address.

In the invention of claim 12, the step of storing the member information in a member database comprises:
The method further includes a step of registering in the member database a mail address corresponding to a member terminal regardless of whether or not the member owns the card, and the matching key includes the mail address. Including information integration methods.

  According to the inventions of claims 4 and 12, an arbitrary e-mail address can be registered in association with a member's card number, so that the comment transmission source is changed according to the comment transmission location (for example, mobile phone It is possible to change the mail address of the telephone to the mail address of the home PC, and the immediacy of comment input is ensured.

  In addition, when the e-mail address is used as a matching key, the member can omit the trouble of inputting the card number when sending a comment. In addition, since it is possible to send a comment using the mail addresses of relatives or acquaintances of members, it is possible for these relatives or acquaintances to send comments on behalf of the members.

The invention of claim 5
The e-mail address registration unit is an information integration system capable of registering a plurality of e-mail addresses.

The invention of claim 13
The step of registering the e-mail address is an information integration method that enables registration of a plurality of e-mail addresses.

  According to the inventions of claims 5 and 13, a plurality of e-mail addresses can be registered. Therefore, when the e-mail address is changed according to the comment transmission location, the change procedure is not required, and the comment input is more immediate. Sex is secured.

The invention of claim 6
At the same time as or after the authentication settlement means determines whether or not the member's card can be used, based on the card usage information and an e-mail address registered in association with the member's card number, the member terminal In addition, the information integration system further includes a mail transmission unit that transmits a mail for prompting the transmission of the comment.

The invention of claim 14
Sending the comment to the member terminal based on the card usage information and an e-mail address registered in association with the member's card number at the same time or after determining whether or not the member's card can be used This is an information integration method further comprising a step of transmitting an e-mail for prompting.

  According to the inventions of claim 6 and claim 14, since the member uses the card and at the same time, an email for sending a comment is sent to the member terminal of the email address registered in advance, the member replies to this email. It becomes possible to send a comment only by this, and it becomes possible to make a habit of sending a comment of a member. Further, since it is assumed that the mail address is registered, it is not necessary to add a card number to the comment, and there is no fear that the card number is leaked to the outside.

The invention of claim 7
The mail transmission means is an information integration system that generates the matching key based on the card usage information, adds the matching key to a mail text field or a title field, and transmits the matching key to the member terminal.

The invention of claim 15
In the step of transmitting the mail, the matching key is generated based on the card usage information, and the matching key is added to a mail text field or a title field and transmitted to the member terminal.

  According to the inventions of claim 7 and claim 15, since the matching key is already added to the mail sent to the member, the member sends the comment with the matching key entered as long as he / she replies to the received mail. It is possible to eliminate the trouble of inputting the matching key of the member.

The invention of claim 8
The browsing means outputs the integrated result in the integrating means to a paper medium such as a usage statement of the member's card, a newsletter for the member, a book, or stores the integrated result. The information integration system can be downloaded to the member terminal and displayed on the member terminal, or displayed on the member terminal via a browser or mail software by a member web page or mail.

The invention of claim 16
In the step of enabling browsing, the integration result in the integration unit is output to a paper medium such as a usage statement of the card of the member, a bulletin for the member, a book, or the integration result storing the integration result It is an information integration method that is downloaded from a result storage server to the member terminal and displayed on the member terminal, or displayed on the member terminal via a browser or mail software by a web page for members or mail.

According to the invention of claim 8 and claim 16, it becomes possible to make the member browse the integrated result of the comment and the card use information in various forms. For example, when the integration result is displayed in the usage statement, the member can immediately remember when the card is used. Moreover, if the integrated result is presented as a book on the anniversary of the member's birthday or the like, the member's own history will be produced, and the card membership and the card main will be further promoted.

  According to the information integration system of the present invention, the card usage information indicating the fact that the card was used (when, where and what), the feeling when using the card, the purchased item, the details of the member store, etc. The free diary is managed and linked, and a diary organized for each member is automatically completed, so members can freely register, manage, view, and personal information associated with the factual evidence of card usage information. It can be saved.

  Also, for card companies, by providing an integrated service of card usage information and comments to members, card usage can be promoted and card mains can be promoted, and differentiation from other card companies can be achieved.

  Members can record fun memories of travel, meals, shopping, amusements, etc. as diaries without reducing the memory capacity of the member terminals, as well as instantly compare card usage information and comments. This makes it possible to easily recall past actions and the current situation and feelings from the integrated results of card usage information and comments without having to review the household account book, schedule book, and diary.

  Also, if an image attached at the time of comment transmission or an image registered later is displayed together with this integration result, it can be used instead of a picture diary.

  In particular, if a comment is added to the card usage information of the card usage statement periodically sent to the member, it becomes easy to confirm the validity of the card usage information. Moreover, if this usage statement is accumulated, a diary in which action facts based on the use of the card are recorded together as evidence is naturally completed.

  In addition, if you purchase gifts such as wedding gifts or childbirth gifts using a card and send a comment as to who gave what, you will be able to see at a glance which gifts were given to whom and when the gift list is complete. .

  If a representative such as a secretary uses a card to pay for a meal at a party where multiple participants, such as a drinking party, send the name and number of participants as a comment, Since the dinner participants are integrated and become clear at a glance, it becomes easy to charge the participants later for the participation fee. Similarly, even when using a personal card as a corporation, if the user's name or purchased item is transmitted as a comment, it is easy to confirm the payment change.

  In addition, when using a corporate card, a usage statement is sent to a single billing party (for example, the accounting department), but the person who uses the card sends the user's name or purchased item as a comment. Then, since a comment is added to the usage statement, the accounting department does not need to bother confirming the approval document for each usage or confirming the usage fact with the user, thereby facilitating the payment process.

If multiple e-mail addresses are registered for one card number, the information integration system confirms the card usage information with the person who created and sent the comment (the person who actually used the card). E-mail can be sent to the person who receives the card payment request, so that not only the unauthorized use of the card but also the excessive use of the card by the person who actually uses the card Accounting staff can control and prevent it.

  DESCRIPTION OF EXEMPLARY EMBODIMENTS Hereinafter, preferred embodiments of the invention will be described in detail with reference to the accompanying drawings. FIG. 1 is a schematic configuration diagram showing an information integration system 1 according to the present invention and systems and terminals related to the information integration system 1.

  The information integration system 1 in FIG. 1 includes a member terminal 3 such as a portable terminal or a personal computer owned by a member 2 who has a contract with a credit card company (hereinafter simply referred to as a card company) and a network 9 such as the Internet 9a. Connected through. In addition, the member 2 has a credit card (hereinafter simply referred to as a card 4) created by a contract with a card company in addition to the member terminal 3.

  The authentication settlement system 5 is connected to a member store terminal 6 of a member store contracted with a card company via a network 9 such as a dedicated line 9b. The member 2 can make transactions such as shopping and eating and drinking using the card 4 at the member store.

  The information integration system 1 and the authentication settlement system 5 may be in the same system, or may be connected via a network 9 such as the Internet 9a and a dedicated line 9b.

  The network 9 such as the Internet 9a and the dedicated line 9b shown in FIG. 1 is an example, and the type is not limited. Types of the network 9 include the Internet 9a and the dedicated line 9b, as well as LAN, WAN, VPN, xDSL, ISDN, and the like.

  FIG. 2 is a detailed configuration diagram of the information integration system 1, the authentication settlement system 5, and the member store terminal 6 of the present invention.

  The member store terminal 6 is a terminal that is provided in the member store and serves as an intermediary when the member performs transactions such as shopping and eating and drinking using the card 4, and includes a card reader 61 and a communication means 62.

  The card reader 61 is means for reading the card number of the member's card 4.

  The communication means 62 collects the card number of the card 4 read by the card reader 61, the member store number, the transaction date (use date), the transaction amount (use amount), the transaction type, etc. into card use information, and authentication settlement. A means for transmitting to the system 5 to inquire whether or not the member's card 4 can be used, and for receiving a response from the authentication settlement system 5. The card usage information may include a time when communication related to the transaction is performed between the member store terminal 6 and the authentication settlement system 5.

  The member store terminal 6 is a terminal provided in a general member store. In addition, the member store terminal 6 when a transaction using the card 4 on the Internet 9a (so-called virtual commercial transaction using a virtual store) is performed is replaced with a server connected to the Internet 9a. Further, in place of the card reader 61, means for receiving information such as the card number of the member's card 4 and the ordered product from the member terminal 3 is provided.

  The authentication settlement system 5 is generally a system owned by a card company or a management company, and determines whether or not a member's card 4 can be used and stores a member's card usage history. The communication settlement unit 51, the authentication settlement unit 52, the member It has a database 53 and a usage history database 54.

  The communication means 51 is means for receiving the card usage information transmitted from the member store terminal 6 and transmitting to the member store terminal 6 whether or not the member's card 4 can be used from the authentication settlement means 52.

  The authentication settlement means 52 authenticates whether the card number in the card usage information exists in the member database 53, and if it exists, the usage amount and transaction type in the card usage information are preset. It is a means for determining whether or not the member's card 4 can be used by confirming whether the transaction is within the transaction limit amount or matching the transaction type.

  The member database 53 is a database that stores member information such as the card number, name, address, telephone number, credit information (transaction limit, transaction type) of the member's card 4. In order to ensure security, a plurality of member databases 53 may be generated separately for each item of member information.

  The usage history database 54 is a database that stores card usage information transmitted from the member store terminal 6. The usage history database 54 may be updated at the same time when the member uses the card 4 at the member store, or after the authentication settlement means 52 determines whether or not the card 4 can be used (for example, use of the card 4). It may be done at the final stage of sales from the next day to 2 weeks later.

  In addition, the usage history database 54 is performed by a bill confirmation process (including creation and sending of a usage statement to a member) and information integration system 1 according to the present invention, which will be performed later on the use of the card 4 for each member. In order to facilitate processing, the card use information for each member may be extracted by using the card number that can identify the member as a main key.

  The information integration system 1 is generally owned by a card company or a management company together with the authentication settlement system 5, receives a comment transmitted from the member terminal 3 and stores it in the comment database 11, and for each member, a comment, card usage information, Is a system that enables browsing by members and non-members.

  The information integration system 1 includes a comment database 11, an integration unit 12, and a browsing unit 13.

  The comment database 11 is a database that receives and stores comments transmitted from the member terminal 3. The member creates a free comment such as what he / she feels when using the card 4 or what he / she purchased, attaches an image photographed with a digital camera or the like according to his / her preference, and transmits it to the information integration system 1.

  At that time, the member adds a matching key necessary for the link integration processing of the comment and card usage information performed by the information integration system 1 later to the comment and transmits it. If there is no matching key, only the comment may be transmitted.

  Although details of the matching key will be described later, for example, the member may be input in a title column of an email created by the member terminal 3 or may be input in an email text column.

  The member terminal 3 may be a terminal having at least network communication means, input / output means (keyboard, display, etc.), CPU (central processing unit), and storage medium (memory, hard disk, etc.). Is preferred.

  Here, the matching key is information that is common to both comments and card usage information that are necessary for linking and integrating them in a one-to-one manner, and needs to be unique information that does not overlap.

  The card usage information stored in the usage history database 54 includes the member store number, usage date, usage amount, transaction type, transaction time, and the like. Therefore, it is preferable that at least the usage date of the card 4 is included as a matching key for associating the comment with the card usage information on a one-to-one basis and simplifying the member's input work.

  Further, in case the card 4 is used multiple times on the same day (member stores may be the same or different), it is preferable that the usage amount in addition to the usage date is included in the matching key. Thereby, it becomes possible to associate a comment and card utilization information on a one-to-one basis.

  In addition, the member store number and transaction time may be used as a matching key. In this case, the member needs to know the member store number and the accurate transaction time.

  As a premise of associating the comment with the card usage information, the member who uses the card 4 and the member who creates the comment (or the member's agent) must match. However, it is necessary to include a card number or corresponding member identification information to identify the member, and the matching key generated by the combination of the card usage information (usage date + usage amount) and the member identification information is , It will be unique information, and comments will be linked with certainty.

  However, since adding a card number each time a comment is sent is not convenient for creating a comment for a member, the information integration system 1 preliminarily includes an e-mail address and a member card corresponding to the member terminal 3 that transmits the comment. Numbers may be registered in association with each other, and when a mail having a registered mail address as a transmission source is transmitted to the information integration system 1, it may be regarded as a comment transmitted from a member. That is, in this case, the e-mail address corresponding to the member terminal 3 is included in the matching key.

  When the e-mail address is included in the matching key, the e-mail address is preferably registered in the member database 53 in association with the card number. The registration method of e-mail address is as follows: Membership application form that a member fills out when joining a credit card company's credit service. In general, the screen is provided with a check column for whether to provide an integrated card usage information / comment service and a mail address entry column. As a result, the mail address is registered in the member database 53 in association with the card number.

  A plurality of mail address entry fields may be provided. When a plurality of e-mail addresses are registered, it is possible to specify a priority order for processing and a terminal type (such as a mobile phone or a personal computer).

  It does not matter whether the member terminal 3 corresponding to the registered e-mail address is a member's property or not. That is, the mail addresses of relatives and acquaintances of members may be registered. Thereby, it becomes possible to transmit a comment from the member terminal 3 owned by the relative or acquaintance of the member.

  In addition, when a new e-mail address is registered / changed after joining the credit service, it is also possible for the member to enter the e-mail address in the notification of change of member information and submit it to the card company, by telephone, fax, The e-mail address can also be registered / changed by e-mail or other means.

  It is also possible to register a mail address using the mail automatic transmission device 7 shown in FIG. The automatic mail transmission device 7 is provided in a member store or a card company sales office, and creates and transmits a mail addressed to an arbitrary mail address set and stored in the memory in the automatic mail transmission device 7. This is a device for sending a command to the member terminal 3.

  When the member terminal 3 is connected to the mail automatic transmission device 7, the mail automatic transmission device 7 sends the destination address (in FIG. 3, the address of the mail address registration unit 55 of the authentication settlement system 5a) to the member terminal 3. The member terminal 3 is instructed to send an email to the destination address. The member terminal 3 transmits an email with the email address of the member terminal 3 as a transmission source to the email address registration unit 55.

  The mail address registration unit 55 that has received the mail from the member terminal 3 further requests the member terminal 3 to transmit member information including at least the member's card number. The requesting method may be by email, telephone, fax or other means.

  The member terminal 3 transmits member information such as a member's card number and name to the mail address registration unit 55. The mail address registration unit 55 registers the mail address of the member terminal 3 in association with the corresponding card number in the member database 53a based on the received member information.

  Since the e-mail address is obvious from the transmission source address attached to the received mail header or the like without needing to be entered in the main body of the e-mail, the e-mail address registration unit 55 stores the transmission source address in the member database 53a. Just register.

  Even when the member sends a comment with a card number added for the first time, the e-mail address registration unit 55 sets the source address attached to the comment header. The mail address of the member terminal 3 may be automatically registered in the member database 53a. Then, when the member transmits a comment for the second time or later, it is not necessary to sequentially input card numbers.

  3 may exist on the information integration system 1 side.

  As described above, if the member's e-mail address is registered in advance in association with the card number, the card usage information and the comment can be linked without inputting the card number from the member terminal 3 at the time of sending the comment. It becomes possible.

  As a matter of course, a member can also add a card number and send a comment. In that case, there is no need to register an e-mail address, and a comment can be transmitted using an unregistered e-mail address as a transmission source.

  If a comment with a card number is sent to the information integration system 1 even though the member's email address is registered in the member database 53a, either the email address or the card number is preferentially used as a matching key. It is necessary to decide in advance whether or not to be considered.

  The integration unit 12 is a unit that links and integrates the card usage information stored in the usage history database 54 with the comments stored in the comment database 11 for each member based on the previous matching key.

  Since the matching key consisting of the card number or e-mail address that can identify the member and the date of use and the amount of money representing the transaction fact by the member's card 4 is added to the comment, the integration means 12 The card usage information including the same member (card number or e-mail address) as the matching key and the transaction fact (usage date / usage amount) by the card 4 is searched, and if found, the comment and the card usage information are integrated.

  It should be noted that a comment without a matching key or a comment with a matching key but no corresponding card usage information is treated as having no corresponding card usage information.

  However, it is difficult for a member who wants to leave a comment every day instead of a diary to use the card 4 every day and add a matching key for the comment. It is desirable to be treated as a comment on the date (registration date) stored in the comment database 11.

  The browsing unit 13 is a unit that enables browsing of the integrated result of the card usage information and the comment in the integrating unit 12. The integration result of the card usage information and the comment is stored in a database or an integration result storage server 15 (both not shown) according to the browsing form described later, and the data stored in the database or the integration result storage server 15 Provided for viewing. When storing, it is desirable that the integration results are arranged in order of use date or registration date.

  As a form of browsing, the integration result is output as a paper medium such as a usage statement of the card 4, a bulletin for a member, a publication such as a book, or downloaded from the integration result storage server 15 to the member terminal 3. 3 or displayed on a member terminal via a browser or mail software by a member-specific web page or email. The browsing of the integration result may be sequentially possible according to the request of the member, or may be performed by collectively outputting the integration results for one month, one year, etc. on a paper medium.

  The members-only web page includes a web page that can be viewed by all members and some members in common, and a web page dedicated to individual members, both of which contain member information such as card numbers and passwords. It is desirable to be provided only to members authorized by input.

  Also, each time the card 4 is used, if the integration result is sent to the member terminal 3 by e-mail, provided as a web page, or uploaded to the integration result storage server 15 and can be downloaded from the member terminal 3, Can immediately check the contents of the sent comment. Further, before the integration result is confirmed at the same time as the sales of the card 4 are confirmed, a correction comment may be transmitted by e-mail, uploaded to the integration result storage server 15, or the comment may be corrected on the web page.

  For example, if the result of integration for one year is given to a member by bookbinding or the like on the birthday or anniversary of the member, the card company promotes card enrollment and card use. Further, the integration result may be transmitted as an e-mail or a letter to another member designated by the member, or can be used as a replacement diary for members when transmitted to a plurality of members.

  According to the information integration system 1 described above, card usage information indicating the fact that the card 4 was used (when, where and what), the feeling felt when the card 4 was used, purchased items, member stores Free comments such as details are managed in association with each other, and a diary organized for each member is automatically completed.

  Therefore, the member can not only reduce the memory capacity of the member terminal 3 but also record fun memories of travel, meals, shopping, amusement, etc. as a diary, and can also immediately use card usage information and comments. It is possible to compare them, and without having to review the household account book, schedule book, and diary book, it is possible to easily recall past actions and the current situation and feelings from the integrated results of card usage information and comments.

  Also, if an image attached at the time of comment transmission or an image registered later is displayed together with this integration result, it can be used instead of a picture diary.

  In particular, if a comment is added to the card usage information of the usage statement of the card 4 periodically sent to the member, it becomes easy to confirm the validity of the card usage information. If this usage statement is accumulated, a diary in which action facts based on the use of the card 4 are recorded as evidence is naturally completed.

  In addition, if you purchase a gift such as a wedding gift or a baby gift using the card 4 and send it as a comment about who you gave what, you will be able to see the gift list is complete, and who will give you what. Become.

  When a representative such as a secretary uses the card 4 to pay a meal for a party, such as a drinking party, the card 4 can be used if the name and number of participants are sent as comments. Since the facts and the dinner party are integrated and become clear at a glance, it becomes easier to charge the participant later for the participation fee. Similarly, even when using a personal card as a corporation, if the user's name or purchased item is transmitted as a comment, it is easy to confirm the payment change.

  In addition, when using a corporate card, a usage statement is sent to a single billing party (for example, the accounting department), but the person using the card 4 can comment on the user's name or purchased item. If it is transmitted, a comment is added to the usage statement, so that the accounting department does not need to bother confirming the approval document for each usage or confirming the usage fact with the user, thereby facilitating the payment process.

  In this way, the member can freely register, manage, browse and store personal information associated with the factual evidence of card usage information.

Also, for card companies that manage the information integration system 1, by providing card usage information and comment integration services to members, card usage can be promoted and card mains can be promoted, and differentiation from other card companies. Can be planned.

  Next, an example of the process flow of the present invention will be described in detail with reference to the flowchart of FIG. 5 and the system configuration diagram of FIGS.

  A member who has the member terminal 3 and the card 4 uses the card 4 at a member store to perform transactions such as shopping. The card reader 61 of the member store terminal 6 of the member store reads the card number of the card 4, and the member store terminal 6 based on the read card number, at least the card number, the use date, the usage amount, and the member store number. The card usage information is created (S110), and the card usage information is transmitted from the communication means 62 to the authentication settlement system 5 to inquire whether the member's card 4 can be used (S120).

  The communication means 51 of the authentication settlement system 5 receives the card usage information transmitted from the member store terminal 6. The authentication settlement means 52 determines whether or not the card number included in the card usage information is stored in the member database 53. If the card number is stored in the member database 53, the current usage amount exceeds the member's usage limit. Whether the card 4 is available or not is determined (S130), and the determination result is returned to the member store terminal 6 (S140).

  The member store that has obtained permission to use the card 4 establishes a transaction with the member, but the member store that has not received permission to use the card 4 interrupts the transaction with the member or Take measures such as switching from using to other card usage or cash payment.

  The authentication settlement system 5 then determines the member sales and stores the card usage information in the usage history database 54 (S150).

  On the other hand, the member who has just finished shopping using the card 4 creates comments and comments on shopping and member store clerks and details of purchased items at the member terminal 3 and sends them to the information integration system 1. (S160). At this time, the member inputs a use date and a number representing the use amount of the card 4 as a matching key in the title column or text column of the comment. For example, if the usage date is May 1 and the usage amount is 25,000 yen, “050125000” is input as the matching key.

  The usage date and usage amount are recorded in the usage statement (receipt) received from the member store when the member conducts the transaction at the member store, so the member can refer to it and enter the matching key. Good.

  Since it is desirable to leave the comment immediately after using the card 4, it is generally transmitted from a mobile terminal such as a mobile phone. However, the card 4 may be used on the network 9 by Internet shopping or the like. Therefore, it may be transmitted from a personal computer at home. Moreover, the form which transmits a comment by e-mail may be a web mail which can send and receive e-mails on a web page, and the contents written on the web page of the card company are transferred to the information integration system 1. Form may be sufficient.

  In addition, if the user wants to leave a comment even when the card 4 is not used, the member may transmit the comment to the information integration system 1 without inputting the matching key from the member terminal 3.

  In addition to the body text such as comments, the comment includes whether the comment can be made public on a bulletin magazine or a web page, whether access to the integrated result storage server 15 from a third party is permitted, (For example, hobbies, companies, dates, gifts, etc.) can be added, and images can be attached. The type of comment may be freely determined for each member, or may be determined in advance by the information integration system 1.

  The comment transmitted from the member terminal 3 to the information integration system 1 is stored in the comment database 11 (S170).

  If the card number is added to the comment, the comment is transmitted from the member who is the owner of the card 4 with the card number. That is, the card number is also a matching key.

  However, when a comment is transmitted from a mobile phone or the like, it is troublesome to input a card number every time a comment is transmitted, so a comment input form in which a card number is input in advance is preferably prepared.

  In addition, when a comment is input on the web page of the card company and transferred to the information integration system 1, if a card number input field is added to the comment input field, the member will be the member terminal 3 after the second time. When inputting a comment, the card number input for the first time is automatically input based on the cookie information of the member terminal 3, so that the trouble of inputting the card number is omitted.

  Further, instead of using a card number as a matching key, an e-mail address registered in advance in the member database 53 can be used as a matching key. If the e-mail address is used as a matching key, the e-mail address becomes clear from the header of the e-mail received by the information integration system 1. Therefore, the member does not need to input the e-mail address as well as the card number, and sends the e-mail address. It is only necessary to send the original comment to the information integration system 1. As a result, it is also easy to transmit a comment from the mobile phone, so that the immediacy of comment input is ensured.

  It is also possible to register the mail address of a member other than the member in the member database 53 in association with the card number, so that a person other than the member can send a comment on behalf of the member. In addition, if a plurality of e-mail addresses are linked to the member's card number and registered in the member database 53, the member sends a comment using the member terminal 3 according to the occasion, such as a mobile phone or a personal computer. I can do it. If a plurality of e-mail addresses can be registered, it is not necessary to change the registered e-mail address each time the comment transmission location changes.

  The integration unit 12 of the information integration system 1 performs, for each member, integration of the association between the comments stored in the comment database 11 and the card usage information stored in the usage history database 54 at regular intervals (S180). The association is performed based on the matching key.

  Since the matching key consisting of the card number or e-mail address that can identify the member and the date of use and the amount of money representing the transaction fact by the member's card 4 is added to the comment, the integrating means 12 The card usage information including the same member (card number or e-mail address) as the key and the transaction fact (use date / use amount) by the card 4 is searched.

  Here, the member A uses the card 4 from May 1 to May 5, and uses the card usage information stored in the usage history database 54 and is transmitted from the member terminal 3 and stored in the comment database 11. FIG. 7 shows a result of integrating the comments based on the matching keys added to the comments.

  In FIG. 7, it can be seen that the member A uses the card 4 on May 1 and is shopping 25,000 yen at the XX sports store (member store number 0001). It is stored in the database 54 together with the card number.

  On the other hand, after shopping on May 1st, the member A inputs what he / she felt from the member terminal 3 and adds “050125000” representing the usage date and usage amount as a matching key to the information integration system 1. You can see that it was sent. In addition to the comment, the member A attaches a comment type (hobby) and an image photographed with a digital camera or the like to permit the public release of the comment. Comments are stored in the comment database 11.

  The integration unit 12 extracts card usage information and comments including the identification information (card number and email address) of the member A from each database, and further includes a usage date and usage amount that match the matching key added to the comment. Search for card usage information. If a search is made, the comment and card usage information are linked and integrated. The result is shown in FIG.

  In FIG. 7, the member A does not use the card 4 on May 2, and sends a comment without a matching key (a comment on the registration date 20030502) to the information integration system 1 on May 2. Yes. On May 5th, the card 4 was used to make a 10000 yen transaction at a travel agency Δ △, but no comments were left.

  In these cases, there is no card usage information corresponding to the comment or there is no comment corresponding to the card usage information, and the comment and the card usage information are not integrated. Regardless of the case, the integration results (only the comment or card usage information if not integrated) are arranged in the order of use date or comment registration date.

  The browsing means 13 outputs the previous integration result for each member to a paper medium, sends an e-mail to the member terminal 3 and displays it on the member terminal 3 via mail software, or a member as a web page via a browser. An integrated result is provided to the member by arranging the data format so that it can be viewed in an arbitrary form such as being displayed on the terminal 3 (S190).

  The browsing cycle may be, for example, every month or every year. Further, the integration result may be stored in the integration result storage server 15 and downloaded to the member terminal 3 sequentially according to the request of the member, or can be viewed on the web page. A comment type is added to the integration result of FIG. 7, and browsing, counting, statistics, and the like can be performed for each type. The integration period of the integration unit 12 may be synchronized with the browsing period.

  In particular, if the integration result of FIG. 7 is displayed in a usage statement periodically sent to the member, the member reviews the household account book, diary, and schedule book by comparing the card usage information with the comment. Even without it, it is possible to immediately remember what was purchased for what purpose. Also, by accumulating this usage statement, a transaction diary (that is, action facts) indicating when, where, and what the member did and the feelings at that time are simultaneously displayed, and an organized diary is naturally completed.

  Also, if a member has a habit of sending a comment each time the card 4 is used, the card 4 is illegally used by a person other than the member if card usage information with no comment is described in the usage statement. It is possible to guess immediately.

In addition, in the case where the public permission is added to the comment, the card company can introduce the comment and the image attached to the comment on the newsletter magazine or web page for the member. Of course, it is possible to introduce the card usage information associated with the comment together, but it is natural that the contents related to the privacy such as the card number and the usage amount of the card usage information need to be hidden. Also, it is desirable to hide the contents related to privacy such as personal phone numbers and names in the comments.

  Next, an example of another embodiment of the present invention will be described. FIG. 4 shows an example of the system configuration of the information integration system 1a, the system related to the information integration system 1a, and the terminal in this case. An example of the process flow of this embodiment is shown in the flowchart of FIG.

  4 that are the same as or equivalent to those in the configuration means shown in FIG. 2 are assigned the same reference numerals, and descriptions thereof are omitted for the sake of brevity.

  Also, in the flow shown in FIG. 6, the same or corresponding flow as the flow shown in FIG. 5 is denoted by the same reference numeral, and description thereof is omitted for simplification.

  The information integration system 1a shown in FIG.

  The mail transmission unit 14 is a unit that transmits an email to the member terminal 3 when the authentication settlement unit 52 of the authentication settlement system 5 determines whether the member's card 4 can be used and determines the sales of the card 4.

  In the member database 53, the member's e-mail address must be registered in the manner described above in advance, but the e-mail address of a person other than the member may be registered. In this case, the member terminal 3 is a terminal of a person other than the member.

  The authentication settlement unit 52 refers to the member database 53 from the card number included in the card usage information received from the member store terminal 6, extracts the member's email address, and passes the email address to the email transmission unit 14. At this time, it is preferable that all of the card usage information or a matching key extracted from the card usage information is transferred to the email transmission means 14 together with the member's email address.

  The mail transmitting unit 14 creates and transmits a mail for urging comment transmission to the member terminal 3 based on the mail address received from the authentication settlement unit 52 and the card usage information or the matching key (S145).

  In particular, if a matching key is input in advance in the title and body of the email, the member terminal 3 can automatically send a comment with the matching key input by simply replying to the received email. Yes, since the comments linked to the card usage information are registered in the comment database 11, the labor of inputting the matching key can be omitted, and at the same time as the use of the card 4, it is possible to leave the emotions and purchased items at that time. In addition, it is possible to make it a habit to send comments of members.

  Even after a comment has been transmitted, it is also possible to re-input or modify the comment by replying again to the received mail or the mail itself transmitted by the member. When the comment database 11 receives a comment with the same matching key added more than once, the comment database 11 updates the database sequentially, or finally receives the latest received comment as a comment corresponding to the matching key. Store, etc.

  In addition, the correction and update of the comment can be performed not only in a form by mail transmission but also on a web page dedicated to the member via the browser of the member terminal 3.

  Further, in this embodiment, since it is assumed that the mail address and the card number are linked in advance and registered in the member database 53, it is not necessary to input the card number to the matching key. There is no worry of leaking outside.

  In other words, the mail transmission means 14 of the present embodiment enables the member to register comments in the information integration system 1a immediately and easily, and card membership and card mainization are further promoted.

  Further, as shown in FIG. 8, the mail transmission means 14 describes the fact that the card 4 has been used by the member, the date of use, the amount of money, the name of the member store, etc. based on the card usage information in addition to the matching key. Can be created and sent to the member terminal 3. The member creates a reply mail B for this mail A and sends it to the information integration system 1a.

  The mail transmission means 14 can immediately send an email to the member terminal 3 after receiving the card usage information from the authentication settlement means 52, that is, after a transaction with the card 4 occurs.

  Therefore, for example, if a member's card 4 is used illegally by someone other than the member, an unfamiliar e-mail will be sent to the member. It becomes possible to do. As a result, since the card company can find the unauthorized use of the card 4 before finalizing the charge related to the use of the card 4 for each member, the member is not charged uselessly by the card company.

  The stage in which the authentication settlement means 52 of the authentication settlement system 5 accumulates the member's card usage information in the usage history database 54 is called a temporary sales confirmation stage, and the final sales for sending the card 4 usage statement to the member. The sales amount can be corrected until the final stage.

  Also, when a plurality of e-mail addresses are registered for one card number, the e-mail transmission means 14 is addressed to the person who creates and sends the comment (the person who actually uses the card 4), and the card usage information. E-mail can be sent to both the person who confirms the card (the person who receives the payment request for the card 4), so that not only the unauthorized use of the card 4 but also the excessive use of the card 4 Card usage can be suppressed and prevented by parents and accounting personnel.

  For example, if a child has a parent / child card that sends a bill for using the child's card to the parent, the email address of the child's mobile phone, the parent's mobile phone, etc. Are preferably registered in the member database 53 in advance. When the child uses the card 4, the mail transmission means 14 not only transmits a comment transmission request to the child mail address but also transfers the child card use information to the parent mail address.

  As a result, the parent can immediately find out if there is a problem such as a high usage amount of the child's card 4, and can prevent or suppress the excessive use of the child's card 4. It becomes.

  As described above, registering a plurality of e-mail addresses is an effective means for preventing and suppressing excessive use of the card 4 and can be realized not only with a parent-child card but also with a general card. In the case of a corporate card, the email address of the person who actually uses the corporate card and the email address of the person who actually receives the bill, such as an accounting department, may be registered in the member database 53.

Although the mail transmission means 14 is on the information integration system 1a side in this embodiment, it may be on the authentication settlement system 5 side, and the authentication settlement means 52 also functions as an implementation of the mail transmission means 14. Also good.

  Each means and database in the present invention are logically distinguished from each other in function, and may be physically or practically the same area. Needless to say, a data file may be used instead of the database, and the description of the database includes the data file.

  In carrying out the present invention, the present invention is also realized by supplying a storage medium storing a software program for realizing the functions of the present embodiment to the system, and reading and executing the program stored in the storage medium by the computer of the system. Is done.

  In this case, the program itself read from the storage medium realizes the functions of the above-described embodiments, and the storage medium storing the program constitutes the present invention.

  As a storage medium for supplying the program, for example, a magnetic disk, a hard disk, an optical disk, a magneto-optical disk, a magnetic tape, a nonvolatile memory card, or the like can be used.

  In addition, by executing the program read by the computer, not only the functions of the above-described embodiments are realized, but also an operating system running on the computer is one of the actual processes based on the instructions of the program. A case where the function of the above-described embodiment is realized by performing part or all of the processing and the processing is also included in the present invention.

Furthermore, after the program read from the storage medium is written in the nonvolatile or volatile storage means provided in the function expansion board inserted into the computer or the function expansion unit connected to the computer, the program is instructed. Based on this, the present invention also includes a case where the arithmetic processing unit or the like provided in the function expansion board or function expansion unit performs part or all of the actual processing and the functions of the above-described embodiments are realized by the processing.

It is a schematic block diagram which shows the information integration system of this invention, and the system and terminal relevant to an information integration system. 1 is a system configuration diagram showing an information integration system of the present invention and systems and terminals related to the information integration system. It is a schematic block diagram which shows the connection of an authentication payment system, a member terminal, and a mail automatic transmission apparatus. It is another system block diagram which shows the information integration system of this invention, and the system and terminal relevant to an information integration system. It is a flowchart figure which shows an example of the flow of the process of this invention. It is a flowchart figure which shows another example of the flow of the process of this invention. It is an example which shows the integration result of card use information and a comment. It is a figure which shows an example of the mail transmitted / received between an information integration system and a member terminal.

Explanation of symbols

1: Information integration system 11: Comment database 12: Integration unit 13: Browsing unit 14: Mail transmission unit 15: Integration result storage server 2: Member 3: Member terminal 4: Card 5: Authentication settlement system 51: Communication unit 52: Authentication Settlement means 53: Member database 54: Usage history database 55: Mail address registration unit 6: Member store terminal 61: Card reader 62: Communication means 7: Automatic mail transmission device 9: Network 9a: Internet 9b: Dedicated line

Claims (16)

Connected to an authentication settlement system that determines whether or not a credit card member can use a card, and connected to a member terminal such as a mobile phone or a personal computer via a network, and links and integrates a comment received from the member terminal and use of the card. An information integration system,
The authentication settlement system includes:
A member database for storing member information including at least the card number of the member and credit information;
When using the card of the member, the card usage information including at least the card number of the member, the card usage date, the card usage amount, and the member store identification number is received from a credit card member store, and based on the member information, An authentication settlement means for authenticating the member and determining whether or not the card can be used;
A usage history database for storing the card usage information;
The information integration system includes:
A comment database for receiving and storing a comment to which a matching key composed of information included in the card usage information is added from the member terminal;
Integration means for linking and integrating the card usage information stored in the usage history database and the comments stored in the comment database for each member based on the matching key;
Browsing means that enables browsing of card integration information and comment integration results in the integration means,
An information integration system comprising: The information matching system according to claim 1, wherein the matching key includes a card usage date and a card usage amount in the card usage information. The information matching system according to claim 1, wherein the matching key includes a card number of the member. The information integration system or the authentication settlement system is
An e-mail address registration unit that registers an e-mail address corresponding to a member terminal regardless of whether the member owns or not in association with the card number of the member and registers in the member database;
4. The information integration system according to claim 3, wherein the matching key includes the mail address. The email address registration unit
The information integration system according to claim 4, wherein a plurality of the mail addresses can be registered. The information integration system includes:
At the same time or after the authentication settlement means determines whether or not the member's card can be used,
The apparatus according to claim 1, further comprising: an e-mail transmission unit configured to transmit an e-mail that prompts the member terminal to transmit the comment based on the e-mail address registered in association with the card usage information and the card number of the member. The information integration system according to any one of claims 1 to 5. The mail sending means
Generating the matching key based on the card usage information;
The information integration system according to claim 6, wherein the matching key is added to a mail text field or a title field and transmitted to the member terminal. The browsing means is:
The integration result in the integration means is output to the member's card usage statement, the bulletin magazine for the member, a paper medium such as a book, or the integration result storage server for storing the integration result to the member terminal. The downloaded information is displayed on the member terminal, or is displayed on the member terminal via a browser or mail software by a member-oriented web page or mail. Information integration system. Information integration comprising a first step of determining whether or not a credit card member can use a card, and a second step of linking and integrating a comment received from a member terminal such as a mobile phone or a personal computer with use of the card A method,
The first step includes
Storing member information including at least the member's card number and credit information in a member database;
When using the card of the member, the card usage information including at least the card number of the member, the card usage date, the card usage amount, and the member store identification number is received from a credit card member store, and based on the member information, A step of authenticating the member and determining whether or not the card can be used;
Storing the card usage information in a usage history database;
The second step includes
Receiving from the member terminal a comment to which a matching key composed of information included in the card usage information is added and storing it in a comment database;
The card usage information stored in the usage history database and the comments stored in the comment database are linked to each member based on the matching key and integrated,
Making the integrated result of the card usage information and comments viewable;
An information integration method characterized by comprising: The information matching method according to claim 9, wherein the matching key includes a card use date and a card use amount in the card use information. The information integration method according to claim 9 or 10, wherein the matching key includes a card number of the member. Storing the member information in a member database comprises:
The method further includes the step of registering in the member database by associating an e-mail address corresponding to a member terminal regardless of whether the member owns or not with the card number of the member.
The information integration method according to claim 11, wherein the matching key includes the mail address. In the step of registering the email address,
The information integration method according to claim 12, wherein a plurality of the mail addresses can be registered. The information integration method includes:
At the same time as or after judging whether or not to use the member's card,
10. The method according to claim 9, further comprising a step of transmitting an email prompting the member terminal to transmit the comment based on the card usage information and an email address registered in association with the member card number. The information integration method according to claim 13. In the step of sending the email,
Generating the matching key based on the card usage information;
The information integration method according to claim 14, wherein the matching key is added to a mail text field or a title field and transmitted to the member terminal. In the step of enabling browsing,
The integration result in the integration step is output to the member's card usage statement, the newsletter for the member, a paper medium such as a book, or from the integrated result storage server storing the integration result to the member terminal The downloaded information is displayed on the member terminal, or is displayed on the member terminal via a browser or mail software by a member-oriented web page or e-mail. Information integration method.

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