JP2007219652A - Gift management system, gift management device, and its method - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To manage gifts usable for credit card account settlement. <P>SOLUTION: A gift management system 5 comprises a gift management device 20 and a card information management device 30. The gift management device comprises a card information storage section 21 storing card identification codes; a gift information storage section 22 storing status information, valid date information, gift amount-of-money information and card ID for every gift ID; a receiving section 23 for receiving the gift ID and card ID from a terminal unit 10; a gift processing demand generating section 26 generating a gift processing demand according to the respective collated results of a card collating section 24 and a gift collating section 25; and a gift processing response acquiring section 27 acquiring a gift processing response to the gift processing demand from the card information management device. The card information management device comprises a user information storage section 31 storing gift utilization information and payment amount information for every card ID, and a gift processing response generating section 34 generating a gift processing response according to the gift utilization information. <P>COPYRIGHT: (C)2007,JPO&INPIT

Description

  The present invention relates to a gift management system for managing gifts that can be used for credit card settlement.

  In recent years, with the development of electronic payment, various point systems are provided by each payment means.

  For example, a point system that can increase customer motivation for offline use of electronic money has been studied (see, for example, Patent Document 1).

Some point systems can transfer their points to others. Such points that can be transferred to others are called “gifts”.
JP 2002-170064 A

  Since the gifts described above are electronically stored with value, compatibility with electronic money is easy. Therefore, by converting the gift into electronic money at a preset ratio, the gift can be used at the time of settlement with electronic money. That is, it is possible to settle up to the total amount of the amount of electronic money and the amount of gift.

  On the other hand, the credit card payment enables payment according to the creditworthiness of the user, and does not accumulate electronic value. Therefore, according to the study by the present inventors, it was not possible to use a gift at the time of credit card settlement.

  The present invention has been made in view of the above circumstances, and an object thereof is to provide a gift management system that manages gifts that can be used for credit card settlement.

  In order to solve the above-mentioned problems, the present invention provides a gift use request including a gift ID for identifying the gift and a card ID for identifying the credit card when using a gift capable of reducing the payment amount of the credit card. For managing the gift information held by the credit card user and card information for managing the payment amount information indicating the payment amount of the credit card user A gift management system comprising: a card information storage unit that stores a card identification code included in a card ID of a credit card that can use the gift; and a gift management system for each gift ID. Status information indicating whether the gift is valid or invalid, and valid date information indicating the valid date of the gift Gift amount information indicating the amount of the gift and a gift information storage means for storing the card ID in association with each other, a gift use request transmitted from the terminal device, and an acquisition date of the gift use request A receiving unit for receiving the acquired acquisition date information in association with each other, and a card verification for verifying whether or not the card ID included in the gift use request includes a card identification code stored in the card information storage unit A status verification unit that refers to the gift information storage unit based on a gift ID included in the gift use request and checks whether status information corresponding to the gift ID is valid; and the gift Based on the gift ID included in the use request, the gift information storage means is referred to, and the effective date information corresponding to the gift ID is the acquisition date. If the validity date collating means for collating whether it is the same day or a later date with the information and the collation result by each collating means is not negative, gift processing including gift amount information of the gift and the card ID Gift processing request generating means for generating a request based on the card identification code, and a gift for acquiring a gift processing response consisting of a permission response or a non-permission response to the gift processing request from the card information management device Card information, comprising: a processing response acquisition means; and a gift information changing means for changing status information and gift amount information stored in the gift information storage means when a permission response is acquired by the gift processing response acquisition means. The management device permits or disallows the use of the gift for each card ID of the credit card held by the user. Gift information corresponding to the card ID included in the gift processing request when a gift processing request is acquired from the gift management device A gift use information extraction unit that extracts information from the user information storage unit, and a permission response or a non-permission response depending on whether the gift use information extracted by the gift use information extraction unit is permitted or not. A gift processing response generating means for generating a gift processing response, and when a permission response is generated by the gift processing response generating means, the payment amount information is reduced based on the gift amount information included in the gift processing request. And a gift management system.

  In the present invention, a collection of devices is expressed as a “system”. However, the present invention is not limited to this, and may be expressed as a “device” for each device, or expressed as a “method” for each system or device. May be. That is, the present invention can be expressed in any category.

<Action>
Therefore, the present invention provides a gift management system including a gift management device and a card information management device by taking the above-described means, wherein the gift management device stores a card information code in which a card identification code is stored. Means, gift information storage means for storing status information / effective date information / gift amount information / card ID for each gift ID, receiving means for receiving the gift ID / card ID from the terminal device, card verification means / gift A card information management device comprising: a gift processing request generation unit that generates a gift processing request according to each verification result of the verification unit; and a gift processing response acquisition unit that acquires a gift processing response to the gift processing request from the card information management device. The user report storage means for storing gift use information / payment amount information for each card ID, and according to the gift use information Since a gift processing response generating means for generating a gift processing response, it is possible to provide a gift management system capable of managing the gift that can be utilized in credit card transactions.

  According to the present invention, gifts that can be used for credit card payment can be managed.

  Hereinafter, an embodiment of the present invention will be described with reference to the drawings.

<First Embodiment>
(1-1. Configuration)
FIG. 1 is a schematic diagram showing a configuration of a gift management system 5 according to an embodiment of the present invention.

  The gift management system 5 includes a terminal device 10, a gift management device 20, and a card information management device 30, and manages the distribution of gifts.

  Here, the “gift” is an electronic point having a convertibility that can be transferred to another person. Moreover, in this embodiment, it is the point which can be utilized in common with respect to several types of credit cards.

  The terminal device 10 includes an input unit 11, a transmission unit 12, a reception unit 13, and a display unit 14.

  The input unit 11 inputs a “gift ID” for identifying a gift and a “card ID” for identifying a credit card. In the present embodiment, the card ID consists of 16 digits. The input gift ID and card ID are sent to the transmission unit 12.

  The transmission unit 12 transmits a “gift use request” including the gift ID and the card ID input by the input unit 11 to the gift management apparatus 20 via the network.

  The receiving unit 13 receives a gift use response to the gift use request from the transmission unit 29 of the gift management apparatus 20. In addition, a gift use response is sent to the display unit 14.

  The display unit 14 is a display or the like that displays the contents of the gift use response received by the receiving unit 13. Specifically, when the use completion notification is included in the gift use response, the display unit 14 displays that the use of the gift has been completed. On the other hand, if the gift use response includes an unusable notice, a message indicating that the gift could not be used is displayed.

  The gift management device 20 includes a card information storage unit 21, a gift information storage unit 22, a reception unit 23, a card verification unit 24, a gift verification unit 25 (status verification unit 25 A / effective date verification unit 25 B), and a gift processing request generation unit 26. A gift processing response acquisition unit 27, a gift information change unit 28, and a transmission unit 29 are provided, and have a function of managing gift information of a gift held by a credit card user.

  The card information storage unit 21 is a memory that stores a “card identification code” included in a card ID of a credit card that can use a gift. In the present embodiment, the first digit of the card ID (16-digit number) represents the type of credit card, and this first digit is used as the card identification code. For example, as shown in FIG. 2, the card information storage unit 21 stores a “card identification information table T <b> 1” in which gift availability and receiving company information are set for each card identification code. Here, a credit card with a card identification code of 3, 4, 5, 8, or 9 can be used for gifts, and other numbers are not usable. Receiving company information indicates, for example, a credit card issuer (credit card issuing company).

  For each gift ID, the gift information storage unit 22 “status information” indicating whether the gift is “valid” or “invalid”, “effective date information” indicating the valid date of the gift, and the amount of the gift ( “Gift Amount Information” indicating “Value” and a card ID are stored in association with each other.

  Specifically, a “gift ID management table T2” as shown in FIG. 3 and a “gift registration management table T3” as shown in FIG. 4 are stored. The gift ID management table T2 is information in which an initial value is preset when a gift is issued, and status information, effective date information, and gift amount information are stored for each gift ID. The gift registration management table T3 is information registered by a gift registration process, which will be described later, and stores a gift registration date, registration status, card ID, and receiving company information for each gift ID. The registration status column is set to “unregistered” in the initial state, and is changed to “registered” when the gift registration process is executed. Further, when the gift is used after registration and the gift balance becomes zero, “paid” is recorded, and when the gift balance remains, “payment” is recorded. The receiving company information is specified from the card identification code.

  The receiving unit 23 receives the gift use request transmitted from the transmission unit 12 of the terminal device 10 and “acquisition date information” indicating the acquisition date of the gift use request. The received information is sent to the card verification unit 24.

  The card verification unit 24 verifies whether or not the card ID included in the gift use request includes the card identification code stored in the card information storage unit 21. As a result of the verification, if the card identification code is included, a gift use request and acquisition date information are sent to the gift verification unit 25. On the other hand, if the card identification code is not included, a “not available” notification indicating that the gift cannot be used is sent to the transmitting unit 29.

  The gift collation unit 25 collates the gift use request and acquisition date information with the information stored in the gift information storage unit 22, and includes a status collation unit 25A and an effective date collation unit 25B.

  The status collation unit 25A refers to the gift information storage unit 22 based on the gift ID included in the gift use request, and collates whether the status information corresponding to the gift ID is valid. If the status information is valid as a result of the collation, a “status confirmation” including the gift ID is sent to the gift processing request generation unit 26. On the other hand, if the status information is invalid, a “not available” notification is sent to the transmitter 29.

  The effective date verification unit 25B refers to the gift information storage unit 22 based on the gift ID included in the gift use request, and determines whether the effective date information corresponding to the gift ID is the same date as the acquisition date information or a later date. Are collated. As a result of the collation, when the effective date information is the same date as the acquired date information or a later date, “valid date confirmation” is sent to the gift processing request generation unit 26. On the other hand, if the effective date information is the day before the acquisition date information, an “unusable notification” is sent to the transmission unit 29.

  When the gift processing request generating unit 26 receives the status confirmation from the status collating unit 25A and the valid date confirmation of the valid date collating unit 25B, the gift processing request generating unit 26 refers to the gift information storage unit 22 and gift amount corresponding to the gift ID. A “gift processing request” including the information and the card ID is generated. That is, if none of the collation results by the collation units 24, 25A, and 25B is negative (if they match), a gift processing request is generated. The gift processing request is transmitted to the gift processing request acquisition unit 32 of the card information management device 30 via the network. Further, the fact that the gift processing request has been generated is sent to the transmission unit 29.

  Note that the format of electronic messages handled varies depending on the type of credit card. Therefore, when a plurality of card information management devices 30 are installed in accordance with the type of credit card, a message having a different format is created for each card information management device 30. For example, as shown in FIG. 5, for each credit card company (recipient company name B in FIG. 5) in which the card information management device 30 is installed, a communication destination address, a communication account, a password / number inquiry message format and usage A “format information table T4” including information on the inquiry message format, usage inquiry date, gift payment message format, and gift payment date is stored in the gift processing request generation unit 26, and a gift processing request is generated according to these formats. .

  The gift processing response acquisition unit 27 acquires a gift processing response indicating a permission response or a non-permission response from the card information management device 30 in response to the gift processing request generated by the gift processing request generation unit 26. Here, the gift processing response is received from the gift processing response generation unit 34 of the card information management apparatus 30 via the network. Further, when the permission response is acquired, the permission response is sent to the gift information changing unit 28, and when the non-permission response is acquired, an “unusable notification” is sent to the transmission unit 29.

  The gift information changing unit 28 changes the information stored in the gift information storage unit 22 in accordance with the permission response sent from the gift processing response acquisition unit 27. Specifically, the gift information changing unit 28 determines the gift ID stored in the gift information storage unit 22 when the payment amount information included in the permission response described later is equal to or more than the gift amount information (payment amount ≧ gift amount). The status information column of the management table T2 is changed from “valid” to “invalid”, and the gift amount information column is changed to “zero”. Further, the registration status column of the gift registration management table T3 is changed to “paid” information indicating that the gift has been used. On the other hand, when the payment amount information included in the permission response is smaller than the gift amount information (payment amount <gift amount), the gift amount information field of the gift ID management table T2 stored in the gift information storage unit 22 is displayed. Is changed to a value obtained by subtracting the payment amount information and stored as new gift amount information (new gift amount = gift amount−payment amount). Further, the registration status column of the gift registration management table T3 is changed to “paying” information indicating that a part of the gift has been used. In addition, the gift information changing unit 28 sends a “use completion notification” including the changed information to the transmitting unit 29.

  The transmission unit 29 sends a “gift” notification of the unusable notification sent from the card verification unit 24, the gift verification unit 25 (25A, 25B), and the gift processing response acquisition unit 27 and the usage completion notification sent from the gift information change unit 28. It transmits to the receiving part 13 of the terminal device 10 as a "use response." In addition, when a notification indicating that a gift processing request has been generated is sent from the gift processing request generation unit 26, a “registration completion notification” indicating that the use of the gift has been registered is transmitted to the terminal device 10 as necessary.

  The card information management device 30 manages payment amount information indicating the payment amount of the credit card user, and includes a user information storage unit 31, a gift processing request acquisition unit 32, a gift use information extraction unit 33, and a gift processing response generation. Unit 34 and a reduction processing unit 35.

  The user information storage unit 31 is a memory that stores usage details information of a credit card user. Specifically, a “use details information table T5” as shown in FIG. 6 is stored, and “payment amount information” is associated with each card ID. Further, a “gift use information table T6” as shown in FIG. 7 is stored, and “gift use information” indicating “permitted” or “not permitted” for gift use is stored for each card ID. . The gift usage information table T6 is created based on the user usage details information. Specifically, the gift use field is set to “not permitted” as an initial state, and when the user uses credit card payment within a preset period, the gift use field is changed from “not permitted” to “ Change to “Allow”. Further, after the set period elapses, the state is returned to the “non-permitted” state again, and the same processing is performed with the next set date as the new set period.

  The gift processing request acquisition unit 32 acquires a gift processing request generated by the gift processing request generation unit 25 of the gift information management apparatus 20. Here, the gift processing request is received using the communication means. However, in the present embodiment, a gift processing request may be received by a file stored in an electronic medium or the like without using a communication unit, and the batch data may be batch processed. These acquired gift processing requests are sent to the gift use information extraction unit 33.

  When receiving a gift processing request from the gift processing request acquisition unit 32, the gift usage information extraction unit 33 extracts the gift usage information corresponding to the card ID included in the gift processing request from the user information storage unit 31. . Further, the gift usage information extraction unit 33 sends the extracted gift usage information and card ID to the gift processing response generation unit 34. If the extracted gift usage information is “permitted”, the card ID and the gift amount information included in the gift processing request are sent to the reduction processing unit 35.

  The gift processing response generation unit 34 generates a “gift processing response” based on the gift usage information sent from the gift usage information extraction unit 33 and the card ID. Specifically, when the gift use information is “permitted”, the payment amount information is extracted from the user information storage unit 31 based on the card ID, and the “permission response” includes the payment amount information and the card ID. Is generated. If the gift use information is “not permitted”, a “deny response” including the card ID is generated. Then, these permission responses and non-permission responses are transmitted as gift processing responses to the gift processing response acquisition unit 27 of the gift management device 20. Here, the gift processing response is transmitted using the communication means, but a gift processing response file may be stored and delivered in an electronic medium or the like.

  When the card ID and the gift amount information are sent from the gift usage information extraction unit 33, the reduction processing unit 35 performs a reduction process on the payment amount information stored in the user information storage unit 31. Specifically, a process of subtracting gift amount information from payment amount information corresponding to the card ID is performed. If the payment amount information is less than the gift amount information (payment amount ≦ gift amount), the payment amount information column stored in the user information storage unit 31 is set to “zero”.

(1-2. Operation)
Next, operation | movement of the gift management system 5 comprised as mentioned above is demonstrated using FIG.

(1-2-1) Gift Registration Processing When a gift is used, the fact that the gift is used is registered and the gift is used on a preset payment date. The process of registering that the gift is used is referred to as “gift registration process”.

  First, a gift ID and a card ID are input by the credit card user via the input unit 11 of the terminal device 10 (step S1). Thereby, a gift use request including a gift ID and a card ID is transmitted from the terminal device 10 to the gift information management device 20.

  Next, a gift use request is received by the receiving unit 23 of the gift information management apparatus 20 (step S2). At this time, the date when the gift use request is received is obtained as acquisition date information in association with the gift use request. These gift use requests and acquisition date information are sent to the card verification unit 24.

  Subsequently, the card verification unit 24 checks whether or not the card ID included in the gift use request includes the card identification code stored in the card information storage unit 21 (step S3).

  Further, the gift collation unit 25 (25A / 25B) collates the gift use request and acquisition date information with the information stored in the gift information storage unit 22 (step S4).

  When any one of the collation results by the collation units 24, 25A, and 25B is negative, an unusable notification is transmitted to the terminal device 10 via the transmission unit 29 (step S4-No). Thereby, the fact that the gift could not be used is displayed on the display unit 14 of the terminal device 10 (step S5).

  On the other hand, if none of the collation results by the collation units 24, 25A, and 25B is negative, registration for gift use is executed (step S4-Yes). Specifically, the status information of the gift ID management table T2 is changed from “invalid” to “valid”, and the registration state of the gift registration management table T3 is changed from “unregistered” to “registered” (step S6). ). In this case, a registration completion notification indicating that the gift registration is completed is transmitted to the terminal device 10 via the transmission unit 29 (step S7). In response, the display unit 14 of the terminal device 10 displays that the gift registration is complete (step S8).

  The gift registration process is executed as described above.

(1-2-2) Gift Use Processing Next, processing when a gift that has been gift registered is used will be described.

  When the gift is registered, the gift information is checked on a preset payment date (step S9).

  If the gift cannot be used as a result of the collation, an unusable notification is sent to the terminal device 10 (step S10-No). Then, a message indicating that the gift cannot be used is displayed on the display unit 14 of the terminal device 10 (step S11).

  On the other hand, if the gift can be used, a gift processing request is generated by the gift processing request generation unit 26 (step S10—YES). Then, a gift processing request is transmitted to the card information management device 30 (step S12).

  Subsequently, a gift processing request is received by the gift processing request acquisition unit 32 of the card information management apparatus 30 (step S13). Then, the gift usage information corresponding to the card ID included in the gift processing request is extracted from the user information storage unit 31 by the gift usage information extraction unit 33 (step S14). A gift processing response is generated based on the gift use information and the payment amount information, and is transmitted to the gift information management apparatus 20 (step S15).

  Next, a gift processing response is acquired by the gift processing response acquisition unit 27 of the gift information management device 20 (step S16). When the gift processing response is a permission response, the gift information change unit 28 reduces the gift amount information stored in the gift information storage unit 28.

  Subsequently, a gift use response is transmitted to the terminal device 10 by the transmission unit 29 of the gift information management device 20 (step S17).

  Then, the gift processing response is received by the receiving unit 13 of the terminal device 10, and the fact that the use of the gift is completed is displayed on the display unit 14 (step S18).

  The gift is used as described above.

  In this embodiment, the fact that a gift is used is registered and the gift is used on a preset payment date. However, the gift is used every time a gift use request is transmitted. You may do it.

(1-3. Effect)
As described above, according to the gift management system 5 according to the present embodiment, the gift management device 20 includes the card information storage unit 21 in which the card identification code is stored, the status information, the effective date information, the gift amount information, According to each verification result of the gift information storage unit 22 in which the card ID is stored for each gift ID, the reception unit 23 that receives the gift ID / card ID from the terminal device 10, and the card verification unit 24 / gift verification unit 25 A gift processing request generation unit 26 that generates a gift processing request, and a gift processing response acquisition unit 27 that acquires a gift processing response to the gift processing request from the card information management device 30. The card information management device 30 includes gift usage information. A user information storage unit 31 in which payment amount information is stored for each card ID, and a gift processing response is generated according to gift use information Since a shift processing response generating unit 34, it is possible to provide a gift management system capable of managing the gift that can be utilized in credit card transactions.

  Further, by providing the card information management device 30 for each type of credit card, it is possible to provide a gift that can reduce the payment amount of a plurality of types of credit cards.

  Further, by converting the gift and the electronic money at a preset ratio, the gift can be used in the electronic payment using the electronic money. In this case, by adding an electronic money ID column for identifying electronic money to the gift ID management table T1, it is possible to provide a gift that can be used in common in electronic money payment and credit card payment. For example, a common gift system S whose concept is shown in FIG. 9 can be constructed. In this case, the distributor G who distributes the gift distributes a gift card or the like on which the gift ID is described to the user U and provides the gift. The user U inputs the gift ID using the terminal device 10. This makes it possible to use gifts for credit card payments and electronic money payments. The gift management apparatus 20 transmits a gift use processing request to the card information management apparatus 30 installed in the credit card issuer C or the electronic money provider A / B.

(1-4. Modifications)
In the present embodiment, when the payment amount information of the credit card user is reduced, it is executed by the reduction processing unit 35 provided in the card information management device 30, but may be executed by the gift management device 20. . Specifically, as shown in FIG. 10, the gift management device 20 includes a reduction processing unit 40, and the card information management device 30 includes a user information change unit 41. The reduction processing unit 40 reduces the gift amount information from the payment amount information included in the gift processing response, and generates new payment amount information. The user information changing unit 41 acquires new payment amount information generated by the reduction processing unit 40 and changes the payment amount information stored in the user information storage unit 31 to new payment amount information. With the configuration described above, it is possible to reduce the burden of the reduction process in the card information management device 30.

<Others>
Note that the present invention is not limited to the above-described embodiment as it is, and can be embodied by modifying the constituent elements without departing from the scope of the invention in the implementation stage. In addition, various inventions can be formed by appropriately combining a plurality of components disclosed in the embodiment. For example, some components may be deleted from all the components shown in the embodiment. Furthermore, you may combine a component suitably in different embodiment.

It is a schematic diagram which shows the structure of the gift management system 5 which concerns on one Embodiment of this invention. It is a figure which shows the concept of the "card identification information table T1" concerning the embodiment. It is a figure which shows the concept of "gift ID management table T2" concerning the embodiment. It is a figure which shows the concept of "gift registration management table T3" concerning the embodiment. It is a figure which shows the concept of "format information table T4" concerning the embodiment. It is a figure which shows the concept of "use details information table T5" concerning the embodiment. It is a figure which shows the concept of "gift utilization information table T6" concerning the embodiment. It is a figure for demonstrating operation | movement of the gift management system 5 which concerns on the embodiment. It is a figure for demonstrating the concept of the common gift system S which concerns on the embodiment. It is a figure which shows the modification of the gift management system 5 which concerns on the embodiment.

Explanation of symbols

5 ... Gift management system,
DESCRIPTION OF SYMBOLS 10 ... Terminal device, 11 ... Input part, 12 ... Transmission part, 13 ... Reception part, 14 ... Display part,
20 ... Gift management device, 21 ... Card information storage unit, 22 ... Gift information storage unit,
23... Reception unit, 24... Card verification unit, 25.
25A ... Status verification unit, 25B ... Effective date verification unit, 26 ... Gift processing request generation unit,
27 ... Gift processing response acquisition unit, 28 ... Gift information change unit, 29 ... Transmission unit,
30 ... Card information management device, 31 ... User information storage unit, 32 ... Gift processing request acquisition unit,
33 ... Gift use information extraction unit, 34 ... Gift processing response generation unit, 35 ... Reduction processing unit,
40 ... Reduction processing unit, 41 ... User information change unit,
T1 ... card identification information table, T2 ... gift ID management table,
T3 ... gift registration management table, T4 ... format information table,
T5 ... usage details information table, T6 ... gift usage information table.

Claims (5)

When using a gift capable of reducing the payment amount of a credit card, a gift use request including a gift ID for identifying the gift and a card ID for identifying the credit card is received from the terminal device, and the credit card A gift management system comprising: a gift management device for managing the information of the gift held by the user; and a card information management device for managing payment amount information indicating the payment amount of the credit card user. And
The gift management device includes:
Card information storage means for storing a card identification code included in a card ID of a credit card that can use the gift;
For each gift ID, status information indicating whether the gift is valid, invalid, valid date information indicating the valid date of the gift, gift price information indicating the amount of the gift, and the card ID are associated in advance. Gift information storage means stored in memory,
Receiving means for receiving a gift use request transmitted from the terminal device in association with acquisition date information indicating an acquisition date of the gift use request;
Card verification means for verifying whether or not the card ID included in the gift use request includes a card identification code stored in the card information storage means;
A status verification unit that refers to the gift information storage unit based on a gift ID included in the gift use request and verifies whether status information corresponding to the gift ID is valid;
Based on the gift ID included in the gift use request, the effective date for referring to the gift information storage means and verifying whether the effective date information corresponding to the gift ID is the same date as the acquisition date information or a later date Matching means;
Gift processing request generation means for generating a gift processing request including the gift amount information of the gift and the card ID based on the card identification code if none of the verification results by the verification means is negative, ,
In response to the gift processing request, gift processing response acquisition means for acquiring a gift processing response consisting of a permission response or a non-permission response from the card information management device;
A gift information changing means for changing status information and gift amount information stored in the gift information storage means when a permission response is obtained by the gift processing response obtaining means,
The card information management device
User information storage means for storing gift usage information and payment amount information indicating permission or non-permission of the gift for each card ID of a credit card held by the user,
A gift usage information extraction unit that extracts gift usage information corresponding to a card ID included in the gift processing request from the user information storage unit when a gift processing request is acquired from the gift management device;
A gift processing response generating means for generating a gift processing response consisting of a permission response or a non-permission response depending on whether the gift usage information extracted by the gift usage information extraction means is permitted or not;
A gift management system comprising: means for reducing the payment amount information based on the gift amount information included in the gift processing request when a permission response is generated by the gift processing response generation unit. The gift management system according to claim 1,
The gift management device includes:
The payment amount information is acquired from the card information management device together with the authorization response, and further includes a reduction processing means for generating new payment amount information obtained by reducing the gift amount information with respect to the payment amount information,
The card information management device, instead of the means for the reduction processing,
User information changing means for acquiring new payment amount information generated by the reduction processing means and changing the payment amount information stored in the user information storage means to the new payment amount information is provided. And gift management system. The gift management system according to claim 1 or 2,
The gift can reduce the payment amount of multiple types of credit cards,
The gift management system, wherein the card information management device is individually provided for each type of credit card. When using a gift capable of reducing the payment amount of a credit card, a gift use request including a gift ID for identifying the gift and a card ID for identifying the credit card is received from the terminal device, and the credit A response indicating whether or not the use of the gift is permitted is obtained from a card information management device for managing payment amount information indicating the payment amount of the card user, and the credit card user holds the gift A gift management device for managing information,
Card information storage means for storing a card identification code included in a card ID of a credit card that can use the gift;
For each gift ID, status information indicating whether the gift is valid, invalid, valid date information indicating the valid date of the gift, gift price information indicating the amount of the gift, and the card ID are associated in advance. Gift information storage means stored in memory,
Receiving means for receiving a gift use request transmitted from the terminal device in association with acquisition date information indicating an acquisition date of the gift use request;
Card verification means for verifying whether or not the card ID included in the gift use request includes a card identification code stored in the card information storage means;
A status verification unit that refers to the gift information storage unit based on a gift ID included in the gift use request and verifies whether status information corresponding to the gift ID is valid;
Based on the gift ID included in the gift use request, the effective date for referring to the gift information storage means and verifying whether the effective date information corresponding to the gift ID is the same date as the acquisition date information or a later date Matching means;
Gift processing request generation means for generating a gift processing request including the gift amount information of the gift and the card ID based on the card identification code if none of the verification results by the verification means is negative, ,
In response to the gift processing request, gift processing response acquisition means for acquiring a gift processing response consisting of a permission response or a non-permission response from the card information management device;
A gift management apparatus comprising: gift information changing means for changing status information and gift amount information stored in the gift information storage means when a permission response is acquired by the gift processing response acquisition means. When using a gift capable of reducing the payment amount of a credit card, a gift use request including a gift ID for identifying the gift and a card ID for identifying the credit card is received from the terminal device, and the credit A response indicating whether or not the use of the gift is permitted is obtained from a card information management device for managing payment amount information indicating the payment amount of the card user, and the credit card user holds the gift A gift management method for managing information by a gift management device,
A card information storing step for storing in advance a card identification code included in a card ID of a credit card that can use the gift in a memory of the gift management device;
For each gift ID, status information indicating whether the gift is valid, invalid, valid date information indicating the valid date of the gift, gift amount information indicating the amount of the gift, and the card ID are included in the gift management. A gift information storage step for pre-associating and storing in the memory of the device;
A reception step of associating and receiving a gift use request transmitted from the terminal device and acquisition date information indicating an acquisition date of the gift use request;
A card verification step for verifying whether the card ID included in the gift use request includes a card identification code stored in the memory;
A status matching step of referring to the memory based on a gift ID included in the gift use request and checking whether status information corresponding to the gift ID is valid;
An effective date verification step of referring to the memory based on the gift ID included in the gift use request and verifying whether the effective date information corresponding to the gift ID is the same date or a later date with the acquisition date information; ,
A gift processing request generating step for generating a gift processing request including the gift amount information of the gift and the card ID based on the card identification code if none of the verification results in the verification steps is negative; ,
In response to the gift processing request, a gift processing response acquisition step for acquiring a gift processing response consisting of a permission response or a non-permission response from the card information management device;
A gift management method comprising: a gift information changing step of changing status information and gift amount information stored in the memory when an authorization response is acquired in the gift processing response acquisition step.

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