JP2007188312A - Program, system and method for questionnaire, and program, system and method for contacting card company - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a program, system and method for questionnaire, which eliminate anxiety of card theft for card owners, reduce risks of unauthorized use for card companies, and allow card members to securely use their cards at member shops. <P>SOLUTION: The questionnaire system has a first storage means for storing mobile terminal mail addresses corresponding to card information and a second storage means for storing questionnaire texts corresponding to shop identification information. The system receives card information, shop identification information on a shop and information on use status of the card, and extracts a questionnaire text stored in the second storage means corresponding to the shop identification information and a mobile terminal mail address stored in the first storage means corresponding to the card information. Then, the system creates mail using the use status information, the questionnaire text and the mail address, and transmits the mail to the mail address. <P>COPYRIGHT: (C)2007,JPO&INPIT

Description

  The present invention relates to a questionnaire program for causing a computer to send a questionnaire to a card user, a questionnaire system for sending a questionnaire to a card user, and a questionnaire method performed in a questionnaire system for sending a questionnaire to a card user. , A card company contact program that allows you to contact the card company, a card company contact system that allows you to contact the card company, and a card company contact system that allows you to contact the card company The card company contact method to be performed.

  In recent years, credit card users are increasing because they can shop without cash. Along with this, credit card readers have been installed in stores and the like.

On the other hand, fraudulent use of credit cards and card crimes with counterfeit cards are frequently occurring, which is a social problem. While legislation is progressing, IC cards are being introduced as a countermeasure for card companies, but this is costly and time consuming. In credit card surveys, as a desire for credit card services, security enhancements are listed as the top, and reasons for not paying with credit cards include reasons for fearing theft of card information. Yes.
In other words, card crime is a high-priority problem as it develops into a social problem, and in the present situation, there is a significant demand for security enhancement from the standpoint of customers who use it.

  The credit card user checks the deposit account by looking at the credit card usage statement sent from the credit company so that there is no shortage. However, when a credit card is created and used fraudulently, it is immediately confirmed that the fraudulent use has been made until the user confirms the credit card usage statement sent monthly and finds the unauthorized use. I do not know. In addition, payments for the following month and available balance are unknown.

For credit card companies, IC cards are being introduced as a security measure, but delays due to time and costs have occurred, and the amount of insurance money due to fraudulent use has increased. The current situation is also an obstacle.
Furthermore, for merchants, credit card members may feel uneasy about the use of credit cards and affect sales.
The following techniques are used to prevent unauthorized use of credit cards.

  For example, what is described in Patent Document 1 is to reliably prevent unauthorized use of a card by a person other than the user or unauthorized use of a forged card, and the card authentication device is sent from the card reading device. A data table containing credit card information is searched using the card number of the credit card as a keyword, and when there is a record having the card number in the data table, the credit card information registered in the record If the terminal is valid, a terminal identification number registered in the record in advance is extracted, and a predetermined message for inquiring credit card use authentication is sent to the terminal identification number, and a communication terminal having the terminal identification number When a predetermined response is returned from (for example, a mobile phone), the card There are card authentication method to issue a notice of authentication pass against de reader.

JP 2002-109436 A

  However, with the above-described countermeasures, since a predetermined message for inquiring credit card use authentication is sent to the mobile phone, the user bears a communication fee for the mobile phone to receive the message. Since fraudulent activity is not so common for general users, there is a possibility that it is refrained to adopt such a service just for that reason.

  In addition, if credit cards are used normally, it is a great opportunity for market research that customers' impressions can be acquired when using credit cards. It wasn't.

  In addition, even if the user notices that unauthorized use has occurred, in order for the user to apply for card suspension, it is necessary to contact the card company by telephone, but the user will be given the phone number. Etc. as memos, and if a plurality of cards are lost, the procedure becomes very complicated.

  The present invention has been made by paying attention to such problems of the conventional technology, and for cardholders, it eliminates the fear of card theft, makes it easier to make payment and card usage plans, and gains points. For card companies, the risk of fraudulent use can be reduced, non-life insurance premiums can be reduced, and customer satisfaction can be improved. It is an object of the present invention to provide a questionnaire program, a questionnaire system, and a questionnaire method that can promote the effective use of cards and can obtain market information efficiently.

  It is another object of the present invention to provide a card company communication program, a card company communication system, and a card company communication method that can efficiently communicate with a card company such as suspension of card use.

The gist of the present invention for achieving the object lies in the inventions of the following items.
[1] A questionnaire program for causing a computer to send a questionnaire to a card user,
In the computer,
A first storage function that stores a mobile terminal e-mail address corresponding to the card information;
A second storage function that stores a questionnaire in correspondence with the store identification information;
A receiving function for receiving the card information transmitted from the card reading means, the store identification information about the store where the card reading means is installed, and the information on the usage status of the card;
In response to the store identification information received by the reception function, a questionnaire sentence generation function for retrieving a questionnaire sentence stored in the second storage function;
A mail address retrieving function for retrieving a mobile terminal mail address stored in the first storage means according to the card information received by the receiving function;
An email creation function for creating an email from the information about the usage status received by the reception function, the questionnaire text generated by the questionnaire text generation function, and the email address extracted by the email address extraction function;
A questionnaire program for realizing a mail sending function for sending a mail created by the mail creating function to the mail address.

  [2] The questionnaire program according to [1], wherein after the mail is transmitted by the mail transmission function, a point giving function for giving points to the card is realized.

  [3] In the above [1] or [2], the questionnaire may be a questionnaire regarding a product corresponding to the store or information related to the usage status based on the store identification information or information related to the usage status based on the card. The listed questionnaire program.

  [4] A second point grant function for further granting points to the card when an answer to the questionnaire in the email transmitted by the email transmission function is performed is realized [1], [ 2] or a questionnaire program according to [3].

[5] A questionnaire system for sending a questionnaire to a card user,
First storage means for storing a mobile terminal e-mail address corresponding to the card information;
Second storage means for storing a questionnaire sentence corresponding to the store identification information;
Receiving means for receiving the card information transmitted from the card reading means, the store identification information relating to the store where the card reading means is installed, and the information on the usage status of the card;
In response to the store identification information received by the receiving means, a questionnaire sentence generating means for retrieving a questionnaire sentence stored in the second storage means;
Mail address extracting means for extracting the mobile terminal mail address stored in the first storage means in accordance with the card information received by the receiving means;
A mail creating means for creating a mail from the information about the usage status received by the receiving means, the questionnaire text generated by the questionnaire text generating means, and the mail address extracted by the mail address extracting means;
A questionnaire system comprising: mail sending means for sending mail created by the mail creating means to the mail address.

[6] A questionnaire method performed in a questionnaire system for transmitting a questionnaire to a card user,
The questionnaire system
First storage means for storing a mobile terminal e-mail address corresponding to the card information;
A second storage means for storing a questionnaire corresponding to the store identification information;
Receiving the card information transmitted from the card reading means, the store identification information about the store where the card reading means is installed, and the information on the usage status by the card;
In response to the received store identification information, the questionnaire text stored in the second storage means is extracted,
In response to the received card information, the mobile terminal e-mail address stored in the first storage means is retrieved,
Create an email from the received usage status information and the generated questionnaire text and the email address retrieved,
The questionnaire method characterized in that the created mail is transmitted to the mail address.

[7] A card company communication program that enables a computer to contact a card company,
In the computer,
A card company contact phone number storage function in which a plurality of card numbers, the card company name of the card and the phone number of the card company are stored corresponding to the user identification number,
Display that displays at least a plurality of card numbers stored in correspondence with the user identification number stored in the card company contact telephone number storage function and the card company name of the card in response to an input from the operator Function and
When an operator selects what is displayed by the display function, a contact function for contacting a card company telephone number stored by the card company contact telephone number storage function corresponding to the selected one is realized. Card company contact program characterized by that.

[8] When the card number is updated, the card number stored in the card company contact phone number storage function is updated, or when the card company phone number is updated, the card company contact phone is updated. The program according to [7], wherein an update function for updating a telephone number stored in the number storage function is realized.

[9] A card company communication system that enables contact to a card company,
Corresponding to the user identification number, a card company contact telephone number storage means for storing a plurality of card numbers, the card company name of the card and the telephone number of the card company,
A display that displays at least a plurality of card numbers stored in correspondence with the user identification number stored in the card company contact telephone number storage means and the card company name of the card in response to an input from the operator Means,
When an operator selects what is displayed by the display means, a contact means for contacting a card company telephone number stored in the card company contact telephone number storage means corresponding to the selected one is provided. Card company contact system characterized by that.

[10] A card company contact method performed by a card company communication system that enables contact to a card company,
The card company communication system
Corresponding to the user identification number, a card company contact phone number storage means for storing a plurality of card numbers, the card company name of the card and the phone number of the card company is provided,
In response to an input from the operator, at least a plurality of card numbers stored in correspondence with the user identification number stored in the card company contact telephone number storage means and the card company name of the card are displayed,
When the operator selects the displayed item, the card company contact number is stored in the card company contact phone number storage means corresponding to the selected item. Method.

The present invention operates as follows.
The questionnaire program in the present invention causes a computer to transmit a questionnaire to the card user. For this purpose, the mobile terminal e-mail address is stored corresponding to the card information, the questionnaire is stored corresponding to the store identification information, and the card information transmitted from the card reading means and the card reading means are installed. Store information relating to the store being used and information relating to the usage status of the card, receiving the stored questionnaire text in accordance with the received store identification information, and storing the memory in accordance with the received card information The e-mail address for the mobile terminal is taken out, an e-mail is created from the received usage status information, the generated questionnaire text and the e-mail address taken out, and the created e-mail is sent to the e-mail address To do. This eliminates the fear of card theft for cardholders, makes it easier to plan payments and card usage, and reduces the risk of fraudulent use for card companies and also reduces non-life insurance premiums. Satisfaction can be improved, and cardholders can use the card with peace of mind and can actively promote card usage.

  In addition, by giving points to the card after the e-mail is sent, an incentive that the card holder can obtain more points works, and the use of this questionnaire program is promoted. .

  Further, the questionnaire text may be a questionnaire regarding products corresponding to the store or the information related to the usage status based on the store identification information or the information related to the usage status based on the card. As a result, a more appropriate questionnaire can be obtained.

  In addition, when the answer to the questionnaire in the transmitted mail is made, points can be further given to the card. For cardholders, there will be an incentive to earn more points, the use of this questionnaire program will be promoted, and the collection rate of the questionnaire will increase.

  The questionnaire system in the present invention transmits a questionnaire to the card user. Therefore, the first storage means stores the mobile terminal e-mail address corresponding to the card information, the second storage means stores the questionnaire text corresponding to the store identification information, and the receiving means from the card reading means The received card information, the store identification information regarding the store where the card reading means is installed, and the information regarding the use status by the card are received, and the questionnaire sentence generating means is added to the store identification information received by the receiving means. In response, the questionnaire text stored in the second storage means is taken out, and the mail address extracting means is for the portable terminal stored in the first storage means in accordance with the card information received by the receiving means. An e-mail address is extracted, and information on the usage status received by the receiving unit by the e-mail generating unit and the questionnaire text Create an email from the mail address retrieved by said mail address extraction means with the generated survey statements by means, mail sending means sends the mail created by the mail creation means addressed the email address. This eliminates the fear of card theft for cardholders, makes it easier to plan payments and card usage, and reduces the risk of fraudulent use for card companies and also reduces non-life insurance premiums. Satisfaction can be improved, and cardholders can use the card with peace of mind and can actively promote card usage.

  The questionnaire method in the present invention is performed by a questionnaire system that transmits a questionnaire to a card user. In the questionnaire system, the first storage means stores the mobile terminal e-mail address corresponding to the card information, and the second storage means stores the questionnaire text corresponding to the store identification information and transmits it from the card reading means. The received card information, the store identification information regarding the store where the card reading means is installed, and the information regarding the usage status by the card are received, and the second storage means is received according to the received store identification information. The stored questionnaire text is retrieved, the mobile terminal e-mail address stored in the first storage means is retrieved according to the received card information, and the received usage information and the generated questionnaire are retrieved. Create a mail from the sentence and the retrieved email address, and send the created email to the email address . This eliminates the fear of card theft for cardholders, makes it easier to plan payments and card usage, and reduces the risk of fraudulent use for card companies and also reduces non-life insurance premiums. Satisfaction can be improved, and cardholders can use the card with peace of mind and can actively promote card usage.

  The card company communication program in the present invention enables the computer to contact the card company. For this purpose, a plurality of card numbers, a card company name of the card, and a telephone number of the card company are stored in correspondence with the user identification number, and the card corresponds to the user identification number in response to an input from the operator. Display at least a plurality of stored card numbers and the card company name of the card, and when the operator selects the displayed card number, contact the card company telephone number corresponding to the selected card number. To do. As a result, it is possible to efficiently communicate with the card company such as canceling the use of the card.

  When the card number is updated, the stored card number is updated, or when the card company telephone number is updated, the stored telephone number is updated. Thereby, even when the card number is updated or the telephone number of the card company is updated, it is possible to accurately contact the card company.

  The card company communication system according to the present invention makes it possible to contact a card company. For this purpose, the card company contact telephone number storage means stores a plurality of card numbers, the card company name of the card, and the card company telephone number in correspondence with the user identification number, and the display means receives input from the operator. In response, at least a plurality of card numbers stored in correspondence with the user identification number stored in the card company contact telephone number storage means and the card company name of the card are displayed and displayed by the display means. When the operator selects the card, the contact means contacts the card company telephone number stored in the card company contact telephone number storage means corresponding to the selected one. As a result, it is possible to efficiently communicate with the card company such as canceling the use of the card.

  The card company contact method in the present invention is performed by a card company contact system that enables contact to the card company. In the card company contact system, the card company contact phone number storage means stores a plurality of card numbers, the card company name of the card, and the card company phone number corresponding to the user identification number, and inputs from the operator And displaying at least a plurality of card numbers stored in correspondence with the user identification number stored in the card company contact telephone number storage means and the card company name of the card. When the operator selects an item, the card company phone number stored in the card company contact phone number storage means corresponding to the selected item is contacted. As a result, it is possible to efficiently communicate with the card company such as canceling the use of the card.

  According to the questionnaire program, the questionnaire system, and the questionnaire method according to the present invention, the card owner can remove the anxiety of card theft, make it easier to make payment and card usage plans, and obtain points. Can reduce the risk of fraudulent use, reduce non-life insurance premiums, and improve customer satisfaction. For member stores, card members can use it with peace of mind, and actively promote card use. Market information can be obtained efficiently.

  In addition, according to the card company communication program, the card company communication system, and the card company communication method according to the present invention, it is possible to efficiently contact the card company, such as canceling the use of the card.

Hereinafter, various preferred embodiments of the present invention will be described with reference to the drawings.
A portable terminal is a terminal that is portable for humans and can communicate with other devices. Specifically, there are a mobile phone, a PHS, a PDA (Personal Digital Assistant) terminal having a communication function, etc., but here, a mobile phone will be described as an example.
The module generally refers to a component such as software or hardware that can be logically separated. Therefore, the module in the present embodiment indicates not only a module in a program but also a module in a hardware configuration. Therefore, the present embodiment also serves as an explanation of the system, program, and method. In addition, the modules correspond almost one-to-one with the functions. However, in mounting, one module may be composed of one program, or a plurality of modules may be composed of one program. A plurality of programs may be used. The plurality of modules may be executed by one computer, or one module may be executed by a plurality of computers in a distributed or parallel environment. Hereinafter, “connection” includes not only physical connection but also logical connection.
In addition, the system includes a configuration in which a plurality of computers, hardware, devices, and the like are connected via a network or the like, and includes a case where the system is realized by a single device.
Note that communication and network include not only devices connected by wires such as cables, but also devices connected wirelessly.

1 to 9 show a first embodiment of the present invention.
FIG. 1 is a conceptual module configuration diagram of the first embodiment. A card reading device 20 that reads the credit card 10 is connected to the public network 31 and communicates with the card authentication device 40. The card authentication device 40 is connected to the public line network 31 and the public line network 32, and receives the information of the credit card 10 received through the public line network 31 and the information related to shopping at the store. In accordance with the received information, the information and the questionnaire sent from the card reader 20 are sent to the mobile phone A51 owned by the person who should be the owner of the credit card 10 via the public line network 32. The mobile phone A51 to the mobile phone C53 receive the information and questionnaire sent from the public line network 32, and each owner of the mobile phone A51 to the mobile phone C53 collects and analyzes the answers to the questionnaire via the public line network 32. Transmit to module 80. The questionnaire collection / analysis module 80 is connected to the public line network 32, collects answers to the questionnaires of the mobile phones A51 to C53 received via the public line network 32, and analyzes the answers to the questionnaires.

  The computer on which the card authentication device 40 and the questionnaire collection / analysis module 80 are realized is a general computer, such as a personal computer, as shown in FIG. CPU 310 for executing the program, memory 320 for storing the program and data, auxiliary storage device 330 constituted by HDD, input device 340 for inputting data such as keyboard and mouse, CRT, liquid crystal display, etc. Output device 350, a printing device 360 for outputting results and the like on paper, a communication interface 380 for communicating with other computers, etc., and a bus 370 for connecting them to exchange data Has been. A plurality of these computers may be connected to each other via a communication interface 380 via a network. The communication interface 380 is connected to the public line network 31, the public line network 32, and the public line network 33, and communicates with the card reader 20 and the mobile phones A51 to C53.

  The program stored in the auxiliary storage device 330 is expanded in the memory 320, and the CPU 310 operates according to the program. The program causes the computer to send a questionnaire to the card user. In addition, the computer can be contacted with the card company (second embodiment, which will be described later).

  FIG. 2 shows a conceptual module configuration diagram of the embodiment of the present invention in the card authentication device 40. The receiving module 41 receives the information of the credit card 10 and the store information from the card reader 20 via the public line network 31. The receiving module 41 is connected to the e-mail address extracting module 42 and the questionnaire sentence generating module 43, passing the credit card 10 information to the e-mail address extracting module 42, and passing the store information and the like to the questionnaire sentence generating module 43. . Here, the store information or the like is information related to the store where the card reading device 20 is installed (for example, store identification information, store name, etc.) and information related to the usage status of the credit card 10, that is, products and services purchased there. Information (product or service (hereinafter also referred to as product), its charge, use date, etc.) is included.

  The mail address extraction module 42 extracts the mobile phone mail address (mail address field 425) stored in the first storage module 420 according to the card information passed from the reception module 41. The first storage module 420 has a database as shown in FIG. 4, and includes a card number column 421, an expiration date column 422, a password column 423, an owner column 424, an email address column 425, and a point column 426, respectively. Correspondingly stored. That is, the e-mail address extracting module 42 performs authentication by using the corresponding password in the first storage module 420 from the card number that is the card information passed from the receiving module 41, and indicates that the credit card 10 has been used. In order to notify the owner of the owner column 424 registered in the first storage module 420, the corresponding mail address column 425 is extracted. Then, the mail address retrieval module 42 passes the mail address field 425 to the mail creation module 44.

  The questionnaire sentence generation module 43 takes out the questionnaire sentence column 433 stored in the second storage module 430 in accordance with the store information passed from the receiving module 41. The second storage module 430 has a database as shown in FIG. 5, and stores a store number column 431, a category column 432, and a questionnaire sentence column 433, respectively. That is, the questionnaire sentence generation module 43 extracts the questionnaire sentence column 433 corresponding to the corresponding store number column 431 in the second storage module 430 from the store information passed from the receiving module 41. Then, the questionnaire sentence generation module 43 passes the questionnaire sentence column 433 and the store information to the mail creation module 44. The category column 432 describes the product name, and there may be a plurality of category columns 432 and a questionnaire sentence column 433 for one store number column 431. In this case, since the questionnaire text column 433 corresponding to the store number column 431 and the category column 432 can be stored, the questionnaire that matches the shopping more than storing the questionnaire text column 433 corresponding only to the store number column 431. Sentences can be stored in advance. That is, the questionnaire text that matches the product can be sent to the owner column 424 of the credit card 10.

  The mail creation module 44 creates a mail to be transmitted from the mail address field 425 passed from the mail address extraction module 42, the questionnaire text field 433 passed from the questionnaire text generation module 43, and the store information. The contents of the email include the fact that the credit card 10 has been used, the name of the store used, information about the purchased product or service, the questionnaire text column 433, and the like. The mail creation module 44 passes the mail created for the mail address field 425 to the transmission module 45. The mail creation module 44 adds points to the corresponding point column 426 in the first storage module 420 after the mail is transmitted.

The transmission module 45 transmits the mail delivered from the mail creation module 44 to the mail address field 425 via the public line network 32.
The mobile phone A 51 that can receive mail addressed to the mail address field 425 receives mail transmitted by the transmission module 45 via the public line network 32.

  The owner of the mobile phone A51 can receive the mail and confirm that the credit card 10 has been used. You can also answer the questionnaire in the email. When answering, the answer is transmitted to the questionnaire collection analysis module 80 via the public network 32.

  The questionnaire collection analysis module 80 receives the questionnaire responses sent from the mobile phone A51 to the mobile phone C53 via the public line network 32 and analyzes them. Further, when the questionnaire is received, points are added to the corresponding point column 426 in the first storage module 420. The analysis result of the questionnaire is stored in a database as shown in FIG. The database shown in FIG. 6 includes a card number column 4331, a gender column 4332, an age column 4333, a married / unmarried column 4334, a questionnaire response rate column 4335, a questionnaire 1 response column 4336, a questionnaire 2 response column 4337, and the like.

  When the cardholder 1 uses the credit card 10, an answer to the questionnaire sent by the card authentication device 40 is sent to the questionnaire collection / analysis module 80 using the mobile phone A51 to the mobile phone C53. The questionnaire collection / analysis module 80 receives the questionnaire responses and stores them in a database as shown in FIG. At that time, the card number column 4331 corresponds to that described in the questionnaire response. The basic items such as the gender column 4332 to the married / unmarried column 4334 may be set in advance with the contents investigated at the time of creating a credit card, or may be extracted from a questionnaire response and stored. The actual contents of the questionnaire responses are stored in the questionnaire 1 response column 4336, the questionnaire 2 response column 4337, and the like. In the questionnaire response rate column 4335, when a plurality of questionnaires are sent, the questionnaire response rate is calculated based on the number of times of sending and the number of questionnaire responses collected, and the result is stored.

Next, the function and operation (operation) will be described.
According to the first embodiment of the present invention, it is possible for cardholders to remove concerns about credit card theft, to make payment and credit card usage plans easier, and to obtain points, for credit card companies. Can reduce the risk of fraudulent use, reduce non-life insurance premiums, improve customer satisfaction, and allow merchants to use card members with peace of mind and promote active card use. And market information can be obtained efficiently.

  FIG. 9 is an overall conceptual module configuration diagram of the first embodiment. The whole is divided into five subsystems. The first is usage notification and questionnaire mobile mail delivery (point program grant), the second is member attribute analysis, the third is a member store support tool, and the fourth is optimization solution control for members. The fifth is the creation of promotional materials. Schematically, mobile e-mail (notification), questionnaire (attribute registration), inference of customer characteristics / purchasing factors, etc., optimization (product, information / expression) for customers, and effect measurement ( (Observation of utilization change).

In the first usage notification and questionnaire mobile mail delivery (point program grant), processing is performed in the following procedure.
(1) The cardholder 1 purchases a product or service at a store and pays with the credit card 10. Alternatively, cashing is performed using the credit card 10.

  (2) The store clerk reads the credit card 10 with the card reader 20. The card reading device 20 transmits the card information together with the store information and the like to the card authentication device 40 of the credit card company via the public line network 31. Therefore, authentication processing (authorization) is performed.

  (3) Using the application server and mail server in the credit card company, the usage status / questionnaire-based e-mail is distributed to the mobile phone A51 owned by the cardholder 1 in real time.

  (4) Points are given to the credit card 10 at the same time as the electronic mail delivery or on condition that the electronic mail has surely arrived at the other party.

  (5) The cardholder 1 who receives the e-mail uses the mobile phone A51 to reply to the previous questionnaire and returns the result by e-mail.

  (6) Points are given to the credit card 10 when the answer to the questionnaire is received or when the answer to the questionnaire satisfies a certain condition (for example, a certain number of answers to the questionnaire, etc.).

In the second member attribute analysis, processing is performed in the following procedure.
(7) The electronic mail (that is, the answer to the questionnaire) returned in the previous (5) is received, and the questionnaire collection / analysis module 80 collects / analyzes the questionnaire. Here, the questionnaire DB 85 that stores the results of the questionnaire is linked to the customer information DB 83 that is constructed from the customer information required when creating the credit card and the desire factor DB 84 that is generated from the questionnaire results. . The customer information DB 83 is linked to the purchase history DB 82 constructed from the information relating to the purchase transmitted in the past (2) in addition to the linkage to the questionnaire DB 85. The desire factor DB 84 is linked to the purchase history DB 82 in addition to the questionnaire DB 85. In addition to the customer information DB 83 and the desire factor DB 84, the purchase history DB 82 is also linked to the product characteristic DB 81. In these databases, attribute code matching is performed, the attributes of credit card members are analyzed, and market information is obtained.

In the third member store support tool, processing is performed in the following procedure.
(8) A member store information input site is provided. Here, it is a site used in a member store. Here, product images, product information, product sales points, columns, and the like can be input, and the member store DB 86 can be constructed.

In the fourth optimization solution control for members, processing is performed in the following procedure.
(9) Using the database constructed according to the previous (7) and (8), a material for each attribute classification or advertisement medium is created, and the material is automatically formatted to generate a layout image. As a result, the created product becomes a sales promotion product (sales promotion product).

In creating the fifth promotional item, processing is performed in the following procedure.
(10) The promotional material created in (9) above is distributed as a one-to-one catalog as electronic information 87 to the cardholder 1 as an e-mail, mail magazine or coupon.

  (11) Further, the promotional material created in (9) above provides information one-to-one on the member-only site as electronic information 87.

  (12) In addition, the promotional material created in (9) above is printed with a printer or the like, and is sent to the cardholder 1 as a one-to-one direct mail, a bulletin magazine, etc. on a paper medium such as a direct mail or a bulletin magazine. Provide by mail.

Hereinafter, processing performed mainly by the card authentication device 40 will be described in detail with reference to the flow of FIG.
In step S701, the card reading device 20 reads the credit card information of the credit card 10.
In step S702, the cardholder 1 inputs the personal identification number of the credit card 10. Steps S701 and S702 correspond to the procedure (1) in FIG.

In step S703, the card reading device 20 transmits the credit card information read in step S701, the password entered in step S702, store information, and the like to the card authentication device 40 via the public line network 31.
In step S704, the card authentication device 40 determines whether credit (approval) is possible based on the information transmitted in step S703. This corresponds to procedure (2) in FIG.

  In step S705, if it is determined in step S704 that credit is not possible (No), a message that "the credit card cannot be used" is transmitted to the card reading device 20. The store clerk sees the message and tells the cardholder 1 that the credit card 10 cannot be used, and the process ends (step S706).

  In step S707, if credit is possible in step S704 (Yes), the sales process is performed based on the price of the purchased product included in the store information transmitted in step S703.

  In step S708, the first storage module 420 is searched for an e-mail address corresponding to the target credit card 10. If there is no corresponding e-mail address (No), the process is terminated without performing the subsequent processes (step S709).

  In step S710, when the e-mail address registered in step S708 is searched (Yes), the questionnaire sentence generation module 43 sends a questionnaire to the cardholder 1 according to the second storage module 430 and the store information. Create a statement. Further, the questionnaire text may be a questionnaire regarding products according to the information regarding the store or the usage status based on the information regarding the store or the usage status of the credit card 10. As a result, a more appropriate questionnaire can be obtained.

  In step S711, the questionnaire text created in step S710 is sent as an e-mail to the mobile phone A51 owned by the cardholder 1 via the public line network 32. This corresponds to procedure (3) in FIG.

  In step S712, points are given to the credit card 10 when the e-mail is transmitted in step S711 or when the answer to the questionnaire satisfies a certain condition (for example, a certain number of answers are answered in the questionnaire). . This corresponds to procedure (4) in FIG. The questionnaire transmission process ends here (step S713). For the cardholder 1, an incentive that points can be obtained works, and the use of this system is promoted.

  Hereinafter, the process performed in the questionnaire collection analysis module 80 after the reply of the questionnaire by the cardholder 1 is returned will be described in detail using the flow of FIG.

  In step S801, the questionnaire collection analysis module 80 receives the questionnaire results transmitted from the mobile phone A51 to the mobile phone C53 via the public network 32. This corresponds to procedure (5) in FIG.

  In step S802, it is determined whether or not the questionnaire is properly answered. For example, it is checked whether all items have been answered, whether a certain number of responses have been answered in a questionnaire, or whether a specific item has been answered.

  If the questionnaire is not properly answered (No in step S802), a message indicating that the questionnaire has not been answered is transmitted to the mobile phone A51 owned by the cardholder 1. In this case, points are not given to the credit card 10.

  In step S805, if the questionnaire is appropriately answered (Yes in step S802), the questionnaire is processed. Records in the questionnaire DB 85.

  In step S806, points are given to the credit card 10. This corresponds to procedure (6) in FIG. For the cardholder 1, an incentive that points can be obtained will work, the answer to the questionnaire will be promoted, and the collection rate will also increase.

10 to 12 show a second embodiment of the present invention.
In this embodiment, it is possible to collectively contact a credit card company.
In addition, the same code | symbol is attached | subjected to the site | part of the same kind as 1st Embodiment, and the overlapping description is abbreviate | omitted.

  FIG. 10 is a conceptual module configuration diagram of the second embodiment. The mobile phone A51 owned by the cardholder 1 is connected to the collective notification server 60 via the public line network 33. The mobile phone A51 can also be connected to a credit company A management system 71, a credit company B management system 72, and a credit company C management system 73 via the public line network 33. The collective notification server 60 is also connected to a credit company A management system 71, a credit company B management system 72, and a credit company C management system 73 via the public network 33.

FIG. 11 is a module configuration diagram in the collective notification server 60.
The cardholder 1 who owns the mobile phone A51 makes a batch notification request to the batch notification server 60, for example, when the credit card is lost.
The batch notification receiving module 61 receives the batch notification request.

  The batch notification preprocessing module 62 performs preprocessing for performing batch notification. At that time, the collective notification storage module 620 is used. The data structure in the batch notification storage module 620 is shown in FIG. That is, the collective notification storage module 620 includes a user ID field 621, a registered number field 622, a card number 1 field 623, a card company name 1 field 624, a telephone number 1 field 625, a card number 2 field 626, and the like. The user ID column 621 is an identification number for identifying a person who uses this system. The card number 1 column 623, the card company name 1 column 624, and the telephone number 1 column 625 form a set, and the set is continuously stored for the number of sheets stored in the registered number column 622. This is because one person may own several credit cards. The user of this system registers a credit card number owned in advance. The system identifies the credit card company and the telephone number according to the registered credit card number, and registers the card company name 1 column 624 and the telephone number 1 column 625 on the system side. Yes.

  The batch notification pre-processing module 62 searches the user ID column 621 in the batch notification storage module 620 for the identification number received by the batch notification receiving module 61. When the corresponding identification number is retrieved, the card number, the card company name, and the telephone number are taken out as a set corresponding to the number stored in the corresponding registered number column 622.

  The collective notification processing module 63 displays at least a plurality of card numbers stored in correspondence with the identification number and the card company name of the card as WEB information so that the mobile phone A51 can be connected and browsed. .

  When the operator selects the WEB screen displayed on the mobile phone A51, the telephone number of the credit card company stored in the collective notification storage module 620 corresponding to the selected screen can be contacted.

Next, the function and operation (operation) will be described.
According to the second embodiment of the present invention, it is possible to efficiently communicate with a card company such as canceling use of a card.

  Here, there are three credit cards owned by the cardholder 1, and the credit card A belongs to the credit card company A, the credit card company B belongs to the credit card company C, respectively. Accordingly, 3 is registered in the registered number column 622 of FIG.

  Assume that cardholder 1 drops his wallet and loses all three credit cards in it. The cardholder 1 uses the mobile phone A51 to connect to the collective notification server 60. The batch notification receiving module 61 in the batch notification server 60 receives the user ID of the cardholder 1, and the batch notification preprocessing module 62 searches the batch notification storage module 620 using the user ID as a search key. As a result of the search, the mobile phone A51 is notified that three credit cards are registered. Then, a WEB screen for a mobile phone is generated using the credit card number, the credit card company name, and the telephone number for three sheets, and can be viewed on the mobile phone A51. At that time, only the credit card number and the credit card company name may be displayed, and the telephone number may be linked to the credit card number or the like.

  When the cardholder 1 selects either the credit card number or the credit card company name displayed on the screen of the mobile phone A51, the selected phone number, that is, the linked phone number is displayed. Make a phone call. As a result, even if the credit card is lost and the credit card number is forgotten, it is possible to efficiently contact the credit card company, such as canceling the use of the credit card.

  Further, when the credit card number is updated, the card number 1 column 623 stored in the collective notification storage module 620 can be updated. This means that from the credit company A management system 71 to the credit company C management system 73, the fact that the corresponding credit card number has been updated is transmitted to the collective notification server 60 via the public line network 33, and according to the transmission contents, The batch notification server 60 can rewrite the batch notification storage module 620. Thereby, even when the credit card number is updated, it is possible to accurately contact the credit card company.

  Furthermore, when the telephone number of the credit card company is updated, the telephone number 1 column 625 stored in the collective notification storage module 620 can be updated. This is because the credit company A management system 71 to the credit company C management system 73 transmits that the telephone number has been updated to the batch notification server 60 via the public line network 33, and the batch notification server according to the transmission contents. 60 can be done by rewriting the batch notification storage module 620. This makes it possible to accurately contact the credit card company even when the telephone number of the card company is updated.

  In particular, the credit card company may be discontinued from handling the card. In that case, the following may be used.

  When the cardholder 1 uses the mobile phone A51 to access the site of the collective notification server 60 and there is a notice of suspension of handling of the credit card on the site, the credit company A indicates that the notice of suspension of handling has been received. The data is transmitted to the management system 71, the credit company B management system 72, and the credit company C management system 73. The credit company A management system 71, the credit company B management system 72, and the credit company C management system 73 indicate whether or not the cardholder 1 may cancel the handling when the communication is made. The mobile phone A51 is contacted for confirmation via the mobile phone 33.

  Then, when the card owner 1 can be confirmed and the card holder 1 can be really canceled, the card is canceled. In this case, it is assumed that, among the credit company A management system 71, the credit company B management system 72, and the credit company C management system 73, the credit company A management system 71 first performs confirmation and cancellation processing. The result may be notified to another credit card company management system (credit company B management system 72, credit company C management system 73), and the other credit company management system may perform a cancellation process. As a result, only confirmation by one credit card company is required, and confirmation by another credit card company becomes unnecessary.

Furthermore, the first embodiment and the second embodiment can also be connected. That is, the following program can be used.
A questionnaire contact program that allows a computer to send a questionnaire to a card user and contact a card company,
In the computer,
A first storage function that stores a mobile terminal e-mail address corresponding to the card information;
A second storage function that stores a questionnaire in correspondence with the store identification information;
A receiving function for receiving the card information transmitted from the card reading means, the store identification information about the store where the card reading means is installed, and the information on the usage status of the card;
In response to the store identification information received by the reception function, a questionnaire sentence generation function for retrieving a questionnaire sentence stored in the second storage function;
A mail address retrieving function for retrieving a mobile terminal mail address stored in the first storage means according to the card information received by the receiving function;
An email creation function for creating an email from the information about the usage status received by the reception function, the questionnaire text generated by the questionnaire text generation function, and the email address extracted by the email address extraction function;
An email sending function for sending an email created by the email creating function to the email address;
A card company contact phone number storage function in which a plurality of card numbers, the card company name of the card and the phone number of the card company are stored corresponding to the user identification number,
Display that displays at least a plurality of card numbers stored in correspondence with the user identification number stored in the card company contact telephone number storage function and the card company name of the card in response to an input from the operator Function and
When an operator selects what is displayed by the display function, a contact function for contacting a card company telephone number stored by the card company contact telephone number storage function corresponding to the selected one is realized. Questionnaire communication program characterized by that.

  This questionnaire communication program is more effective when the original cardholder 1 notices that the credit card has been used illegally and informs the customer that the credit card has been discontinued.

Moreover, it is possible to adopt the following mechanism for canceling card handling.
In the collective notification storage module 620, in addition to the card number 1 column 623, the card company name 1 column 624, and the telephone number 1 column 625, the person himself / herself, such as date of birth, secret question, answer to the secret question, etc. Information for confirmation is stored in advance. A batch notification server 60 is created in advance so that the information in the batch notification storage module 620 can be displayed as a WEB screen for a mobile phone, and can be accessed by a URL (Uniform Resource Locator). However, in order to gain access, access restrictions that require identity verification such as a password are required for login.
In addition to the questionnaire text, the mail creation module 44 also describes the URL for handling cancellation.
When a credit card is used, an e-mail containing a usage statement, a questionnaire, and a URL for stopping handling is delivered to the e-mail address for the mobile phone of the card holder 1.

  If the use is fraudulent, the original cardholder 1 who is the mail recipient will receive a credit card use mail that he / she has never used, and his / her credit card was used illegally. Know that. Then, the cardholder 1 accesses the URL for handling cancellation described in the mail in order to cancel the handling of the credit card. A password is required to access the URL. Then, on the WEB screen, which credit card should be discontinued is specified using a user interface such as a check box. Then, an instruction to stop handling is given. Then, an instruction to stop handling is issued to the checked credit card company systems (credit company A management system 71, credit company B management system 72, and credit company C management system 73 specified by a check box or the like) all at once. The system of each credit card company confirms that the instruction is from the reliable collective notification server 60, and then performs processing to stop handling the credit card. Prior to the handling cancellation process, the card holder 1 is confirmed, or after the handling cancellation process is completed, the card owner 1 is notified.

In this case, it can be grasped as the following invention.
A credit card discontinuation program that allows a computer to contact a credit card company,
In the computer,
A card company contact phone number storage function that stores at least a plurality of card numbers, a card company name of the card and a phone number of the card company corresponding to the user identification number;
Display that displays at least a plurality of card numbers stored in correspondence with the user identification number stored in the card company contact telephone number storage function and the card company name of the card in response to an input from the operator Function and
When the operator selects what is displayed by the display function, a stop instruction function that instructs the card company system corresponding to the selected one to stop handling the credit card;
A credit card handling cancellation program that realizes a handling cancellation function that cancels the handling of a credit card instructed by the cancellation instruction function.

  In the above embodiment, the credit card has been described as an example, but a cashless card such as a prepaid card or a debit card may be targeted. In addition to the data stored on the magnetic tape, the card is not only stored on the IC chip, or merely stored on the card, but also has a small CPU incorporated therein to actively generate data. Also included.

  The questionnaire program and the card company contact program can be stored in a recording medium, and in that case, it can be grasped as the following invention.

A computer-readable recording medium recording a questionnaire program that causes a computer to send a questionnaire to a card user,
In the computer,
A first storage function that stores a mobile terminal e-mail address corresponding to the card information;
A second storage function that stores a questionnaire in correspondence with the store identification information;
A receiving function for receiving the card information transmitted from the card reading means, the store identification information about the store where the card reading means is installed, and the information on the usage status of the card;
In response to the store identification information received by the reception function, a questionnaire sentence generation function for retrieving a questionnaire sentence stored in the second storage function;
A mail address retrieving function for retrieving a mobile terminal mail address stored in the first storage means according to the card information received by the receiving function;
An email creation function for creating an email from the information about the usage status received by the reception function, the questionnaire text generated by the questionnaire text generation function, and the email address extracted by the email address extraction function;
A computer-readable recording medium on which a questionnaire program is recorded, which realizes a mail sending function for sending a mail created by the mail creating function to the mail address.

A computer-readable recording medium that records a card company contact program that enables a computer to contact a card company,
In the computer,
A card company contact phone number storage function in which a plurality of card numbers, the card company name of the card and the phone number of the card company are stored corresponding to the user identification number,
Display that displays at least a plurality of card numbers stored in correspondence with the user identification number stored in the card company contact telephone number storage function and the card company name of the card in response to an input from the operator Function and
When an operator selects what is displayed by the display function, a contact function for contacting a card company telephone number stored by the card company contact telephone number storage function corresponding to the selected one is realized. The computer-readable recording medium which recorded the card company contact program characterized by the above-mentioned.

  The “computer-readable recording medium on which a program is recorded” refers to a computer-readable recording medium on which a program is recorded, which is used for program installation, execution, program distribution, and the like.

  The recording medium is, for example, a digital versatile disc (DVD), which is a standard established by the DVD Forum, such as “DVD-R, DVD-RW, DVD-RAM,” and DVD + RW. Standards such as “DVD + R, DVD + RW, etc.”, compact discs (CDs), read-only memory (CD-ROM), CD recordable (CD-R), CD rewritable (CD-RW), etc. MO), flexible disk (FD), magnetic tape, hard disk, read only memory (ROM), electrically erasable and rewritable read only memory (EEPROM), flash memory, random access memory (RAM), etc. It is.

  The program or a part of the program can be recorded on the recording medium and stored or distributed. Also, by communication, for example, a local area network (LAN), a metropolitan area network (MAN), a wide area network (WAN), a wired network used for the Internet, an intranet, an extranet, etc., or wireless communication It can be transmitted using a transmission medium such as a network or a combination of these, and can also be carried on a carrier wave.

  Furthermore, the above program may be a part of another program, or may be recorded on a recording medium together with a separate program.

It is a notional module block diagram concerning the 1st embodiment of the present invention. It is a module block diagram in the card | curd authentication apparatus which concerns on the 1st Embodiment of this invention. It is a hardware block diagram by which the 1st Embodiment of this invention is implement | achieved. It is a figure which shows the table structure in a 1st memory | storage module. It is a figure which shows the table structure in a 2nd storage module. It is a figure which shows the table structure which a questionnaire collection analysis module uses. It is a figure which shows the processing flow from card use to questionnaire transmission. It is a figure which shows the processing flow from the answer reception of a questionnaire to point processing. 1 is an overall conceptual module configuration diagram according to a first exemplary embodiment of the present invention. FIG. It is a notional module block diagram concerning the 2nd Embodiment of this invention. It is a module block diagram in the collective notification server which concerns on the 2nd Embodiment of this invention. It is a figure which shows the table structure in a batch notification storage module.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 ... Card holder 10 ... Credit card 20 ... Card reader 31 ... Public line network 32 ... Public line network 33 ... Public line network 40 ... Card authentication apparatus 41 ... Reception module 42 ... Mail address extraction module 43 ... Questionnaire sentence generation module 44 ... Mail creation module 45 ... Transmission module 51 ... Mobile phone A
52 ... Mobile phone B
53 ... Mobile phone C
60 ... Batch notification server 61 ... Batch notification reception module 62 ... Batch notification pre-processing module 63 ... Batch notification processing module 71 ... Credit company A management system 72 ... Credit company B management system 73 ... Credit company C management system 80 ... Questionnaire collection analysis Module 81 ... Product characteristic DB
82 ... Purchasing history DB
83 ... Customer information DB
84 ... Desire factor DB
85 ... Questionnaire DB
86 ... Member DB
87 ... Electronic information 310 ... CPU
320 ... Memory 330 ... Auxiliary storage device 340 ... Input device 350 ... Output device 360 ... Printing device 370 ... Bus 380 ... Communication interface 420 ... First storage module 421 ... Card number field 422 ... Expiration date field 423 ... Password field 424 ... Owner field 425 ... Email address field 426 ... Point field 430 ... Second storage module 431 ... Store number field 432 ... Category field 433 ... Questionnaire text field 620 ... Batch notification storage module 621 ... User ID field 622 ... Registered number field 623 ... Card number 1 field 624 ... Card company name 1 field 625 ... Telephone number 1 field 626 ... Card number 2 field 4331 ... Card number field 4332 ... Gender field 4333 ... Age field 4334 ... Married / unmarried field 4335 ... Questionnaire response rate field 4336 ... Questionnaire 1 answer column 433 7… Questionnaire 2 response column

Claims (10)

A questionnaire program that causes a computer to send a questionnaire to a card user,
In the computer,
A first storage function that stores a mobile terminal e-mail address corresponding to the card information;
A second storage function that stores a questionnaire in correspondence with the store identification information;
A receiving function for receiving the card information transmitted from the card reading means, the store identification information about the store where the card reading means is installed, and the information on the usage status of the card;
In response to the store identification information received by the reception function, a questionnaire sentence generation function for retrieving a questionnaire sentence stored in the second storage function;
A mail address retrieving function for retrieving a mobile terminal mail address stored in the first storage means according to the card information received by the receiving function;
An email creation function for creating an email from the information about the usage status received by the reception function, the questionnaire text generated by the questionnaire text generation function, and the email address extracted by the email address extraction function;
A questionnaire program for realizing a mail sending function for sending a mail created by the mail creating function to the mail address.   The questionnaire program according to claim 1, wherein a point giving function for giving points to the card is realized after a mail is sent by the mail sending function.   The questionnaire program according to claim 1 or 2, wherein the questionnaire text is a questionnaire related to the store or a product corresponding to the information related to the usage status based on the information relating to the usage status of the store or the card.   4. The second point granting function for further granting points to the card when an answer to a questionnaire in an email sent by the email sending function is performed is provided. The listed questionnaire program. A questionnaire system for sending a questionnaire to a card user,
First storage means for storing a mobile terminal e-mail address corresponding to the card information;
Second storage means for storing a questionnaire sentence corresponding to the store identification information;
Receiving means for receiving the card information transmitted from the card reading means, the store identification information relating to the store where the card reading means is installed, and the information on the usage status of the card;
In response to the store identification information received by the receiving means, a questionnaire sentence generating means for retrieving a questionnaire sentence stored in the second storage means;
Mail address extracting means for extracting the mobile terminal mail address stored in the first storage means in accordance with the card information received by the receiving means;
A mail creating means for creating a mail from the information about the usage status received by the receiving means, the questionnaire text generated by the questionnaire text generating means, and the mail address extracted by the mail address extracting means;
A questionnaire system comprising: mail sending means for sending mail created by the mail creating means to the mail address. A questionnaire method performed by a questionnaire system for sending a questionnaire to a card user,
The questionnaire system
First storage means for storing a mobile terminal e-mail address corresponding to the card information;
A second storage means for storing a questionnaire corresponding to the store identification information;
Receiving the card information transmitted from the card reading means, the store identification information about the store where the card reading means is installed, and the information on the usage status by the card;
In response to the received store identification information, the questionnaire text stored in the second storage means is extracted,
In response to the received card information, the mobile terminal e-mail address stored in the first storage means is retrieved,
Create an email from the received usage status information and the generated questionnaire text and the email address retrieved,
The questionnaire method characterized in that the created mail is transmitted to the mail address. A card company contact program that allows a computer to contact a card company,
In the computer,
A card company contact phone number storage function in which a plurality of card numbers, the card company name of the card and the phone number of the card company are stored corresponding to the user identification number,
Display that displays at least a plurality of card numbers stored in correspondence with the user identification number stored in the card company contact telephone number storage function and the card company name of the card in response to an input from the operator Function and
When an operator selects what is displayed by the display function, a contact function for contacting a card company telephone number stored by the card company contact telephone number storage function corresponding to the selected one is realized. Card company contact program characterized by that. When the card number is updated, the card number stored in the card company contact phone number storage function is updated, or when the card company phone number is updated, the card company contact phone number storage function The program according to claim 7, further comprising an update function for updating a telephone number stored in the telephone number. A card company communication system that enables contact to a card company,
Corresponding to the user identification number, a card company contact telephone number storage means for storing a plurality of card numbers, the card company name of the card and the telephone number of the card company,
A display that displays at least a plurality of card numbers stored in correspondence with the user identification number stored in the card company contact telephone number storage means and the card company name of the card in response to an input from the operator Means,
When an operator selects what is displayed by the display means, a contact means for contacting a card company telephone number stored in the card company contact telephone number storage means corresponding to the selected one is provided. Card company contact system characterized by that. A card company contact method performed by a card company communication system that enables contact to a card company,
The card company communication system
Corresponding to the user identification number, a card company contact phone number storage means for storing a plurality of card numbers, the card company name of the card and the phone number of the card company is provided,
In response to an input from the operator, at least a plurality of card numbers stored in correspondence with the user identification number stored in the card company contact telephone number storage means and the card company name of the card are displayed,
When the operator selects the displayed item, the card company contact number is stored in the card company contact phone number storage means corresponding to the selected item. Method.

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