JP2008090739A - Detailed transaction statement issue system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To enable a transaction user to easily confirm past transactions in a detailed statement of a commodity purchase transaction or the like and to provide guide information of effective advertisement, events, etc. to respective transaction users. <P>SOLUTION: A detailed transaction statement issue system is provided with: a member information DB 57 for storing the attribute information of each transaction user; a transaction information DB 59 for storing the transaction history of transactions, purchases, etc. of the transaction user; and a guide information DB 60 for storing various guide information of advertisement, events, etc. concerned with various commodities and services. Selected one or more guide information stored in the guide information DB 60 is printed out to a detailed transaction statement issued to the transaction user on the basis of the transaction information of the transaction user in a prescribed period which is stored in the transaction information DB 59, the past transaction information of the transaction user which is stored in the transaction information DB 59 and the attribute data of the transaction user which are stored in the member information DB 57. <P>COPYRIGHT: (C)2008,JPO&INPIT

Description

  The present invention relates to a transaction statement issuance system for transactions or purchases issued at predetermined intervals to each transaction user who has made a transaction such as a financial transaction or product purchase by a financial institution or a credit company, In particular, a transaction user can easily confirm the contents of his / her past transaction, etc., and a transaction in which guidance information such as an advertisement or event scheduled for the month after the statement issuance date is described for each transaction user The present invention relates to a specification issuance system.

  Financial institutions such as banks, securities companies, credit companies, etc., issue a statement describing the details of the transaction to the user for each period of one or more months, etc. In addition to confirming the contents, etc., the date of withdrawal from the bank account of the user is notified.

  Further, for example, a business company that operates a virtual store on the Internet issues a statement describing the contents of a transaction for the same purpose to a user every month or every other period.

Conventionally, in these transaction statements, advertisements or the like of a business company that issues the statement may be placed in an empty space of the statement. In addition, in use specifications such as cashless transactions performed using a credit card or IC card as a medium, a template having an entry window that covers the upper surface of the use specification and that is open only by the user entry section is provided. An example is known in which a user is prevented from making a mistake in the specification (for example, Patent Document 1).
JP-A-8-77425

  However, a user who has received a description of such use or transaction, for example, has received a lot of financial transactions, product purchase transactions, etc. listed in the specification from the date of receipt of the specification. In many cases, it cannot be easily recalled when the number of days has passed, and such a conventional usage statement has a problem from the viewpoint of convenience for confirming past usage transactions performed by the user.

  By the way, in many cases, human beings can easily remember what has been done in the past or will be done in the future by referring to the calendar of the execution date or the month to which the scheduled date belongs, and can be remembered. There are many.

  Moreover, even if advertising information of a business company is posted on the horizontal space or the back side of the description, provision of information such as advertising common to all users has not attracted the users' interest. For example, it provides information such as advertisements for female cosmetics and women's fashion to male business users.

  The present invention has been made in view of the above-described conventional problems, and uses a configuration of a description such as a use or transaction issued by a financial period, a credit company, etc. to each user every predetermined period. The purpose is to provide a statement of use or transaction that is effective for confirming transactions conducted in the past by a person.

  In addition, the present invention provides interest to each transaction user for guidance and advertisements described in the description of use or transaction issued by a financial period, credit company, etc. to each user every predetermined period. It is an object of the present invention to provide a transaction statement printed out with information including individually selected advertisements that are useful.

  For this reason, this application is a transaction statement printing and issuing system that reports transaction information such as transactions, purchases, etc. of finance, goods or services issued to transaction users at predetermined intervals. A member information database for storing attribute information, a transaction information database for storing transaction history of transactions or purchases of transaction users, and various guidance information for guiding advertisements and / or events related to various products or services. A guide information database to be stored; database management means for managing the database; and a printing device for printing out the specification. In the transaction specification, the transaction in the period stored in the transaction information database. Together with the transaction information of the user, the past transaction by the transaction user stored in the transaction information database. A transaction characterized by printing out one or a plurality of guide information stored in the guide information database selected based on the attribute data of information and the transaction user stored in the member information database A statement issuing system is provided.

  Here, a calendar including the predetermined period is printed and displayed on the transaction statement, and a serial number indicating the order of each transaction constituting the transaction information is displayed in the calendar. Since it is printed in correspondence with the corresponding date, the transaction user who has received this can easily remember the past transaction that he / she has performed.

  In addition, the future calendar from the month following the month to which the issue date of the statement belongs is printed and printed on the statement, and the future calendar includes 1 selected for the transaction user included in the month or A plurality of the guide information is printed. As a result, the transaction user can see the guidance information specifically selected for himself / herself.

  For this reason, the attribute information in the member information database includes the age, sex, address, hobby, and family structure of each transaction user. Further, the transaction history in the transaction information database includes each transaction user's past transaction store name, transaction date and time, transaction amount, payment method, and membership period. Each guide information in the guide information database is provided with at least a classification code, a period code, and a region code indicating the contents of a plurality of products or services.

  As a result, the database management means constituting the transaction statement issuance system allows the transaction user to obtain the guidance information including the selected advertisement that is of interest to the transaction user and is useful for the transaction user from the lot of guidance information. And is printed out in the advertisement guide information column in the transaction statement addressed to the transaction user. For this reason, in the guidance information database of this system, there are always various guidance information for guiding advertisements and events related to various products or services requested from many companies and organizations via communication lines. It is stored and updated.

  In addition, the specification on which the transaction information and the guidance information are printed is based on the age and gender constituting the attribute information of the transaction user from the specifications relating to a plurality of types of design configurations prepared in advance. One design configuration specification is selected. Thus, for example, a pink background statement is issued to female transaction users, and a blue background statement is issued to male transaction users.

  In addition, in the future calendar in this transaction statement, in addition to the date of withdrawal of the account for the transaction or purchase of goods or services, at least the date column corresponding to the date of birth of the transaction user Schedule information is printed. Thereby, the user who received this transaction statement can use this transaction statement as a personal calendar. For this reason, a margin in which a personal schedule can be written is provided in each day column of the future calendar.

  Further, the guide information that is printed on the transaction statement includes link information of a web page on which detailed information of the guide information is posted, so that the transaction user is particularly interested in the guide. This makes it easier to obtain advertising information. For this reason, the link information of the web page is a two-dimensional code such as a QR code.

  By the way, the predetermined period in which this transaction statement is printed and issued is one month, two months, three months, four months, six months, or one year.

  As described above, according to the specification of the use or transaction of the present invention, the structure of the description of the use or transaction etc. issued by the financial period, credit company, etc. to each user every predetermined period, It is possible to provide a description of usage or transaction having a configuration including calendar information useful for confirming transactions performed in the past by the user.

  In addition, guidance and advertisements described in the description of usage or transactions are created by selecting specific information that is useful to the user. And an advertisement can be provided, and the function of an effective advertising medium can be exhibited.

  Hereinafter, details of an embodiment of a transaction statement issuing system according to the present invention will be described with reference to the drawings.

  FIG. 1 shows an example of the overall configuration of a transaction statement issuing system according to an embodiment of the present invention. The transaction statement issuance system shown in FIG. 1 shows an example of a system configuration in a credit business company that issues a transaction statement for product purchase using a credit card, for example.

  This transaction statement issuance system is composed of a transaction statement issuance device 5 shown in FIG. 1, and the transaction statement issuance device 5 is connected to the transaction statement issuance device 5 via a LAN (Local Area Network) 10. .., 6n that sends information, and financial terminal devices 7a, 7b,..., 7m that send transaction information to the transaction statement issuing device 5 via the communication line 10 are communication lines. Connected through. Furthermore, the transaction statement issuing device 5 can be configured to be connected to member terminal devices 8a, 8b,..., 8k owned by members via the Internet network 20.

  The communication line 10 is the Internet or a dedicated digital communication line. When a transaction user purchases a product at a member store using a credit card, the content of the product purchase transaction including its related information is sent to the transaction statement issuing device 5 via the communication line 10. The transaction statement issuing device 5 prints and creates the transaction details (hereinafter referred to as “specification” as appropriate) describing the items of the product purchase transaction for each predetermined period.

  The transaction statement issuing device 5 in this transaction statement issuing system, as will be described in detail later, based on the attribute information and usage history information at the time of membership registration of each transaction user, an advertisement suitable for the transaction user, Guide information such as events is extracted. Here, the guide information for each transaction user is extracted based on the attribute information of the transaction user and the transaction history of the transaction user such as transactions or purchases, advertisements and / or events related to various products or services, etc. This is performed by selecting information suitable for the transaction user from among various types of guidance information for guiding the user.

  In addition, the transaction statement issuing device 5 prints and displays a calendar for a predetermined transaction period in a statement printed and issued to each transaction user, and the order of each transaction constituting the transaction information in the calendar. Is printed in correspondence with the corresponding date in the calendar on which the transaction was made, so that the transaction user who receives this can easily remember the past transaction that he / she has performed. It can be done.

  Also, in the specification, a future calendar from the month following the month to which the issue date of the specification belongs is printed out, and the future calendar includes one or more selected for the transaction user included in the month. The guide information is printed. As a result, the transaction user can see the guidance information specifically selected for himself / herself.

  In addition, the specification on which the transaction information and the guidance information are printed is one specification based on the age and gender that constitutes the attribute information of the transaction user from the specifications relating to a plurality of types of design configurations prepared in advance. A design configuration description is selected. Thus, for example, a pink background statement is issued to female transaction users, and a blue background statement is issued to male transaction users.

  In addition, in the future calendar in this specification, in addition to the account withdrawal date for the transaction or purchase of goods or services etc., at least the schedule information to that effect in the date column corresponding to the date of birth of the transaction user Is printed. Thereby, the user who received this specification can use this transaction specification as a personal calendar. For this reason, a margin in which a personal schedule can be written is provided in each day column of the future calendar.

  Further, by including the link information of the web page on which the detailed information of the guide information is included in the guide information printed out in the specification, the transaction user can obtain information on the guide advertisement information that is particularly interesting. Acquisition is easier. For this reason, the link information of the web page is a two-dimensional code such as a QR code.

  FIG. 2 is a diagram showing components of the transaction statement issuing device 5 of the transaction statement issuing system according to the embodiment of the present invention. In FIG. 2, a transaction statement issuing device 5 includes a control unit 51 that controls the entire system, a display device 52 for displaying transaction information and the like, a data input device 53 such as a keyboard and an OCR, and the like. Database management device (DB management unit) 515 that comprehensively manages the database (hereinafter referred to as “DB”), a store authentication DB 54 connected to the database via the input / output bus 120, and a financial institution authentication DB 55 A member authentication DB 56, a member information DB 57 for storing member attribute information, and a web page DB 58 for storing public web pages. Further, the system includes a specification DB 61 that stores specification formats related to a plurality of types of design configurations in advance, and a printing device 62 that prints out the specifications.

  Here, the control unit 51 shares processing of other components and controls other components, a RAM 512 that stores programs and data necessary for creating a description, and line control that controls line connection. A communication control unit 514 that communicates with other terminal devices by providing a protocol with the unit 513, the LAN 10, and the Internet network 20, and a web server 516 that controls access to a web page to be disclosed.

  The CPU 511 controls the overall processing of this apparatus and shares the processing of other main components, and in particular, performs processing (described later) necessary for creating a specification. The RAM 512 stores programs and data necessary for the specification creation and temporary data necessary for execution of the specification creation processing and the like. The line control unit 513 is used to connect the apparatus to the LAN 10 and the Internet network 20 and includes a digital terminal connection unit (DSU) and a router equipped with a firewall application for preventing intrusion. Can do.

  As a feature of this system, the transaction statement issuing device 5 includes a member information DB 57 for storing transaction user attribute information, a transaction information DB 59 for storing transaction history such as transaction or purchase of the transaction user, And a guide information DB 60 for storing various guide information for guiding advertisements and / or events related to various products or services.

  And the DB management part 515 is memorize | stored in the past transaction information and member information DB59 by the said transaction user memorize | stored in transaction information DB59 with the transaction information of the transaction user in the said period memorize | stored in transaction information DB59. Based on the attribute data of the transaction user in question, one or more items are extracted from the guide information stored in the guide information DB 60, and the details addressed to each transaction user are printed by the printer 62 that prints the description. It is printed out as a book.

  For this reason, the attribute information in the member information DB 57 includes the age, sex, address, hobby, and family structure of each transaction user. The transaction history in the transaction information DB 59 includes past transaction store names, transaction dates, transaction amounts, payment methods, and membership periods of each transaction user. Each of the various types of guide information in the guide information DB 60 is assigned a classification code, a period code, a region code, a sex code, etc. indicating the contents of a plurality of products or services. In the guidance information DB 60, various types of guidance information that guides advertisements and events related to various products or services requested from many companies and organizations, etc. through communication lines etc. are constantly stored and updated. -ing

  As a result, the DB management unit 515 stores the age, sex, address, hobbies and family structure of each transaction user and the classification of past purchased products in the transaction history for a lot of guidance information stored in the guidance information DB 60. Guidance information such as advertisements or events for each transaction user can be extracted and printed based on the matching of each code such as classification code, period code, region code, gender code, etc. It is.

  Further, the communication control unit 514 controls each server such as the web server 516 and executes control for selectively performing line connection with a plurality of other terminal devices. The communication control unit 514 includes, for example, an NTP (Network Time Protocol) server for time synchronization on the Internet, an NFS (Network File System) server for a distributed file system, and the like.

  The communication control unit 514 further holds an encrypted communication protocol for transferring encrypted data for maintaining the confidentiality of personal information, and can control an SSL (Secure Sockets Layer) server. The DB management unit 515 is connected to the store authentication DB 54, the financial institution authentication DB 55, the member authentication DB 56, the member information DB 57, the web page DB 58, the transaction information DB 59, the guidance information DB 60, and the specification via the input / output bus 120. Comprehensively manage various databases in DB61.

  The web server 516 operates as a main computer for executing basic communication processing on the Internet network 20. The web server 516 operates a homepage established on the Internet network 20, and information, advertisements, and event information for recruiting card issuers are posted on this homepage. An input screen for inputting the password, an input screen for communicating with the member, and the like are installed.

  The store authentication DB 54 stores authentication data necessary for store authentication. The financial institution authentication DB 55 stores authentication data necessary for authentication of the financial institution. The member authentication DB 56 stores authentication data necessary for member authentication. Note that advertisement information such as advertisements and events stored in the guidance information DB 60 is transmitted from the advertiser via the LAN 10 and the Internet network 20.

  Hereinafter, the process which produces this transaction statement is demonstrated.

  First, the CPU 511 extracts only the transaction information that falls within a predetermined period (that is, the current transaction period) from the transaction information stored in the transaction information DB 59, and stores the transaction information as the current transaction information. Store in another area of DB59.

  Next, the CPU 511 organizes the transaction information for this time so that the transaction details for each transaction item can be printed in the transaction statement print column 18 (described later) of the statement stored in the statement DB 61. Embed in. Other required items in the specification are also embedded so that they can be printed in the corresponding fields.

  Next, the CPU 511 searches the guidance information DB 60 based on the transaction information for this time and the member information, and extracts guidance, advertisement, and event information suitable for each transaction user and the validity period thereof. .

  Next, the CPU 511 creates a future calendar suitable for each transaction user based on the information indicating the age and gender of the member information (the period is after the issue month of the present description), and uses each transaction. The process of embedding in the schedule description column 32 (described later) of the description for each person is performed.

  Further, the CPU 511 searches the guidance information DB 60 based on the attribute information and usage history information (including the current transaction) at the time of the member registration of the transaction user, and guides suitable for each transaction user. , Extracting at least one of advertisement and event information and embedding it so that it can be printed in a date field included in the announcement period (or valid period) of the future calendar or an appropriate blank field excluding the date field. .

Next, the CPU 511 creates a calendar within the predetermined period in the calendar printing column 16 (described later) of the description for each transaction user, and sets the transaction number printed in the transaction statement printing column 18 as the transaction date. Is placed in the date column of the calendar corresponding to.
Finally, the CPU 511 prints and issues a description for each transaction user by the printing device 62.

  FIG. 3 is a flowchart showing an operation when creating a statement of the transaction statement issuing system according to the embodiment of the present invention. In FIG. 3, the operation of the CPU 511 at the time of creating the specification is mainly illustrated, but here, it is assumed that authentication is obtained in the communication processing with each terminal device and transaction information and the like have already been acquired.

  First, the transaction information for this report is extracted. Specifically, out of the transaction information stored in the transaction information DB 59, only the transaction information that falls within a predetermined period set in advance is extracted and stored in another area of the transaction information DB 59 as the current transaction information. (Step S1).

  Next, required items of the description are created. Specifically, the transaction information for the current report is organized, and the transaction details for each transaction item are embedded so that they can be printed in the transaction statement print column 18 (described later) of the statement. Also, other essential items to be described in the specification are embedded so that they can be printed in the corresponding column (step S2).

  Next, create a future calendar. Based on the information indicating the age and gender of the member information, a future calendar suitable for each transaction user is created (the period is the month after the issue date of this specification), and the description for each transaction user It is embedded in the schedule description column 32 (described later) (step S3). And guidance, advertisement, event information, etc. are extracted. That is, as described above, the attribute information in the member information DB 57 includes the age, sex, address, hobbies, and family structure of each transaction user, and the transaction history in the transaction information DB 59 is the past transaction store of each transaction user. Name, transaction date, transaction amount, payment method and membership period. Each of the various types of guide information in the guide information DB 60 is assigned a classification code, a period code, a region code, a sex code, etc. indicating the contents of a plurality of products or services. Also, in the guidance information DB 60, various types of guidance information that guides advertisements and events related to various products or services requested from many companies and organizations via communication lines etc. are constantly stored and updated. -ing

  As a result, the DB management unit 515 stores the age, sex, address, hobbies and family structure of each transaction user and the classification of past purchased products in the transaction history for a lot of guidance information stored in the guidance information DB 60. Guidance information such as advertisements or events for each transaction user is extracted using each code such as a classification code, a period code, a region code, and a gender code assigned to each.

  Then, a calendar for the current transaction period is created. More specifically, a calendar within the current transaction period (that is, the predetermined period) is created in the calendar print field 16 (described later) of the description for each transaction user, and printed on the transaction statement print field 18. The transaction number is embedded so that it can be printed in the date field of the calendar corresponding to the transaction date (step S5).

  FIG. 4 is a block diagram showing the configuration of the left table of the cover sheet of the statement output by the transaction statement issuing system according to the embodiment of the present invention. In FIG. 4, the left side table 1 of the cover sheet of the present specification includes a description name description 11 on which the name of the present specification is printed, and a transaction user print description column on which the address and name of the transaction user are printed. 12, a description text 13 of a description on which a description text about this specification is printed, a system usage restriction description column 14 on which restrictions such as a usage limit are printed, and a month of issue of this specification are printed. 15 of the specification issue month, a calendar print column 16 (calendar display column of claim) for printing a calendar for the month of issue of this specification, and the type and payment form of this specification are printed. A statement type / payment form description 17 and a transaction statement printing column 18 on which details of usage or transaction made in the account of the transaction user are printed.

  Also, an account information description column 21 in which the account information of the transaction user is printed, a specified payment date description column 22 in which the specified payment date of the transaction user is printed, and a billing amount related to the month of issue of this specification are printed. The bill amount description column 23, the balance description column 24 on which the balance (principal) of the account that can be used by the transaction user after the issue month of this specification, and the issuer who issued this specification And an issuer description column 25 to be printed.

  The issuance period of the present specification (that is, the transaction period of the transaction content described in the present specification) is generally arbitrary, but for example, 1 month, 2 months, 3 months, 4 months, 6 months, 1 year, etc. It can be. Here, in the description 11 of the specification name, the name of this specification (for example, “use price specification”) is printed.

  The transaction user printing description column 12 is a column in which the address, name, etc. of the transaction user is printed, and when the present specification is mailed, it becomes the address writing portion. In addition, a guidance sentence about the present specification (for example, guidance for main description items of the present specification) is printed on the guidance sentence 13 of the present specification. In the system usage restriction description column 14, restrictions on system usage (for example, usage limit etc.) are printed. This usage limit amount and the like can be printed separately for each of a plurality of cards issued by the issuer and the entire usage limit amount.

  In the description issue month description 15, the issue month of this specification is printed, and this issue month indicates the month of the calendar printed in the calendar print field 16 immediately after this field. Then, the calendar for the month of issue of this specification printed in the calendar print column 16 is associated with the corresponding day frame in the calendar, and the item number printed in the transaction statement print column 18 ( The serial number described in the claims is printed. However, if all item numbers of the transaction cannot be printed in the corresponding day frame in the calendar due to the large number of transactions issued on the same day, the corresponding day frame in the calendar is It can be extended to part of the frame of the adjacent day. The number of months in the calendar printed in the calendar printing field 16 is assumed to match the above-described statement issuing cycle.

  The description type / payment form description 17 is printed with the type and payment form of the present specification (for example, one-time payment, installment payment, revolving payment, etc.).

  In the transaction statement printing column 18, the transaction contents such as financial transactions or products or services are printed for each item number. The items indicating the transaction details include, for example, items such as date of use, card store name / content used, usage amount, fee, interest, number of payments, number of times of transaction, amount charged, amount carried forward, application, etc. Can be set.

  In the account information description column 21, account information (for example, membership number, financial institution name, account name, etc.) of the transaction user is printed. Further, in the designated payment date description column 22, the designated payment date of the transaction user (that is, the date on which payment should be made to the account of the transaction user) is printed. Then, in the billing amount description column 23, the billing amount (that is, the current billing amount) related to the issue month of this specification is printed.

  In the balance description column 24, the balance (principal) of the account that can be used by the transaction user after the issue month of this specification is printed. This balance can be printed separately for each of a plurality of cards issued by the issuer and for the entire balance. Further, in the issuer description column 25, information (company name, address, registration number, etc.) relating to the issuer who issued this specification is printed.

FIG. 5 is a configuration diagram showing a configuration of a right table of a cover sheet of a statement output by the transaction statement issuing system according to the embodiment of the present invention.
In the present embodiment, the entire structure of the specification cover sheet is described in the left half of the first page of the front page, with the description items of reference numerals 11 to 18 and 21 to 25 shown in FIG. In addition, a description item described below (a calendar for one month after the month of issue of the description, etc.) is posted. However, in general, the present invention is not limited to such a configuration.

  In FIG. 5, the right table 3 of the cover sheet of the present specification includes a description 31 of the calendar month (schedule) in which the month of the future calendar after the issue month is printed, and a schedule in which the future calendar after the issue month is printed. Description field 32, cut line 33 for separating the advertisement field from the right table of this specification, advertisement-1 (34) suitable for the transaction user printed with advertisement-1 suitable for the transaction user, and transaction usage And advertisement-2 (35) suitable for the transaction user on which the advertisement-2 suitable for the user is printed.

  In the description 31 of the calendar month (schedule), the month of the future calendar (printed immediately after this description) after the issue month of this specification is printed. In the schedule description column 32, a future calendar after the issue month of this specification is printed. In addition, it is determined that the transaction information conforms to the transaction user's attribute information (eg, age, gender, address, etc.) and past transactions in the frame below the date corresponding to the date of the future calendar event. The printed guidance or advertisement is printed (including printing). Similarly, the advertisement-1 (34) suitable for the transaction user and the advertisement-2 suitable for the transaction user are also adapted in view of the attribute information of the transaction user and past transactions. The determined guidance and advertisement are printed (including printing).

  In this embodiment, the right table 3 of the specification is the right table of the left table 1 of the specification. However, in the present invention, when there is a horizontal space in the left table 1 of the specification, this is described in the specification. It can be posted in the horizontal space in Table 1 on the left. Further, in this embodiment, the guides and advertisements printed in the empty space in the right table 3 of the specification are the advertisement-1 (34) and the advertisement-2 (35). It is possible to print an arbitrary number of guides and advertisements as many as the free space in Table 3 allows.

  FIG. 6 shows a first example of the left table of the cover sheet of the specification created by this system. The background color of the specification of this example is selected in pink (for women) based on the sex code of the transaction user.

  Hereinafter, with reference to FIG. 4, an example of the left cover table 1 of this specification shown in FIG. 6 will be described. As the description 11 (FIG. 4) of the specification name in the left table 1, “use price specification” is printed. In the transaction user print description column 12, the address of the transaction user “XX city YY town NM” and the name “Hanako Suzuki” are printed. In addition, in the statement 13 of the statement, the phrase “Thank you for always using our card. Please check the card usage and billing details. Printed.

  Next, as the system usage restriction description column 14, there are provided system usage restriction description columns left labeled as “RRR card usage limit” and “RRR member card usage limit”. “Details for August” is printed as description 15 of the statement issuance month. In addition, an August calendar is printed as the calendar print field 16.

  Next, as a description 17 of the type / payment form of the specification, the phrase “new usage details for one-time payment / installment payment / revolving payment” is printed in lower case.

  Next, as the transaction statement printing field 18, the transaction contents of item number 1 (ie, No. 1) include “Usage Date” “August 6” and “Card Use Store Name Usage Details”. "AAA BBB branch", "Amount of use (yen)" is "63,000 yen", "Fee / interest (yen)" is "0 yen", "Number of payments" is "1 time", "How many times" Transactions with no entry, "billing amount (yen)" is "63,000 yen", "carrying amount (yen)" is not entered, and "explanation (conversion rate etc.)" is not entered are printed.

The transaction content of item number 2 (ie, No. 2) includes “Usage Date” “August 28”, “Card Usage Store Name Usage Details” “Iroha Izakaya”, “Usage Fee ( "Yen)" is "8,400 yen", "Fees and interest (yen)" is "0 yen", "Number of payments" is "1 time", "Number of times" is blank, and "Invoice amount (yen)" “8,400 yen”, “Amount carried forward (yen)” is not entered, and “Summary (conversion rate etc.)” is not entered.
In addition, a subtotal column is provided, and “(circle A) 71,400 yen” is printed as “subtotal”.

  The account information description column 21 is provided with an account information description column on the left of “membership number, card name, financial institution, branch, deposit type, account number, account name”. In addition, as the designated payment date entry column 22, a designated payment date entry column labeled “Payment date” is provided. Further, the billing amount description column 23 is provided with a billing amount description column described as “this billing amount (circle A) + (circle B) + (circle C)”. In the balance entry column 24, “* Balance used (principal) shows the amount of money as of the date of issuance (creation date) of usage charges” and “RRR member card usage balance” The left balance column shown on the left is provided.

  As the issuer description column 25, under the issuer name “RRR CARD Co., Ltd.”, the address and other necessary information “〒 XXX-YYYY XXX City KKK-ku M address G number JJ TEL FF-EEEE-DDDD The information "Registration number PP Director General (V) VVVV" is printed.

FIG. 7 shows another example of the right table of the cover sheet of the specification created by this system.
Hereinafter, with reference to FIG. 5, one embodiment of the cover sheet right table 3 of this specification will be described. As the monthly calendar (schedule) description 31 (FIG. 5), capital letters “September” and the words “2006 MY SCHEDULE” are printed.

  Next, as a schedule description column 32, as a guide or advertisement, a shopping mall guide text opened on the web and a two-dimensional bar code (more specifically, a QR code) for referring to the web page are displayed together with a calendar for September. In the lower frame of the corresponding day, words indicating guidance or advertisement such as “birthday”, “withdrawal date”, and “from shopping mall clearance to 18th day” are printed. For example, the transaction user can know more detailed information about the guide advertisement by reading the two-dimensional barcode with a camera provided in a mobile phone owned by the transaction user.

  As other guides or advertisements, there are printed an advertisement-1 for festival items suitable for a transaction user and an advertisement-2 indicating a privilege that can be received at a convenience store.

  FIG. 8 shows another embodiment of the left table of the cover sheet of the specification created by this system. In the specification of this example, the blue (for men) specification format is selected based on the sex code of the transaction user.

  Hereinafter, with reference to FIG. 4, one embodiment of the left cover table 1 of this specification shown in FIG. 8 will be described. As the description 11 (FIG. 4) of the specification name in the left table 1, “use price specification” is printed. In addition, the address “XX city YY town NM” and the name “Taro Tanaka” are printed as the transaction user print description column 12. And as statement 13 of the statement, the phrase “Thank you for always using our card. Please check the card usage and billing details. Printed.

  As the system usage restriction description column 14, there are provided system usage restriction description columns left labeled “RRR card usage limit” and “RRR member card usage limit”. In addition, “Details for August” is printed as the statement issue month description 15. In the calendar printing field 16, calendars for August, September, and October are printed.

  As the description 17 of the description type / payment form, the phrase “new usage details for one-time payment / installment payment / revolving payment” is printed in lower case.

  Then, as the transaction statement printing column 18, the transaction contents of item number 1 (ie, No. 1) include “Usage Date” “August 6” and “Card Use Store Name Usage Details” “AAA”. BBB branch, “Amount of use (yen)” is “63,000 yen”, “Fees / interests (yen)” is “0 yen”, “Number of payments” is “1 time”, “No.” Transactions that are filled in, "billing amount (yen)" is "63,000 yen", "carrying amount (yen)" is not entered, and "explanation (e.g. conversion rate)" is not entered are printed.

  The transaction content of item number 2 (ie, No. 2) includes “Usage Date” “August 28”, “Card Usage Store Name Usage Details” “Iroha Izakaya”, “Usage Fee ( "Yen)" is "8,400 yen", "Fees and interest (yen)" is "0 yen", "Number of payments" is "1 time", "Number of times" is blank, and "Invoice amount (yen)" “8,400 yen”, “Amount carried forward (yen)” is not entered, and “Summary (conversion rate etc.)” is not entered.

  Further, the transaction content of item number 3 (ie, No. 3) includes “use date” as “September 15”, “card use store name use content” as “EEE FFF branch”, “use amount” "Yen" is "56,000 yen", "Fees and interest (yen)" is "0 yen", "Number of payments" is "1 time", "Number of times" is not entered, "Invoice amount (yen) ) ”Is printed,“ 56,000 yen ”,“ carrying amount (yen) ”is not entered, and“ summary (conversion rate etc.) ”is not entered.

  The transaction content of item number 4 (i.e., No. 4) includes “use date” as “September 28”, “card use store name use content” as “Ai Izakaya”, and “use amount (yen)”. "8,200 yen", "Fee / interest (yen)" is "0 yen", "Number of payments" is "1 time", "Number of times" is blank, and "Invoice amount (yen)" is Transactions with “8,200 yen”, “carrying amount (yen)” blank, and “summary (conversion rate etc.)” blank are printed.

  The transaction content of item number 5 (i.e., No. 5) includes “use date” as “October 20”, “card use store name use content” as “EEE FFF branch”, “use amount”. "Yen" is "56,000 yen", "Fees and interest (yen)" is "0 yen", "Number of payments" is "1 time", "Number of times" is not entered, "Invoice amount (yen) ) ”Is“ 56,000 yen ”,“ carry forward amount (yen) ”is not entered, and“ summary (conversion rate etc.) ”is printed.

Furthermore, the transaction content of item number 6 (ie, No. 6) includes “use date” “October 27”, “card use store name use content” “Iroha Izakaya”, “use amount ( "Yen)" is "8,600 yen", "Fees and interest (yen)" is "0 yen", "Number of payments" is "1 time", "Number of times" is blank, and "Invoice amount (yen)" “8,600 yen”, “carrying amount (yen)” is not entered, and “summary (conversion rate etc.)” is not entered.
In addition, a subtotal column is provided, and “(circle A) 200,200 yen” is printed as “subtotal”.

  As the account information description column 21, there is provided an account information description column on the left of "membership number, card name, financial institution, branch, deposit type, account number, account name". As the designated payment date entry column 22, a designated payment date entry column labeled "Payment date" is provided.

  In addition, as the billing amount description column 23, a billing amount description column described as “this billing amount (circle A) + (circle B) + (circle C)” is provided. In the balance entry column 24, “* Balance used (principal) shows the amount of money as of the date of issuance (creation date) of usage charges” and “RRR member card usage balance” The left balance column shown on the left is provided.

  Then, as the issuer description column 25, under the issuer name “RRR CARD Co., Ltd.”, necessary information other than the address “〒 XXX-YYYY XXX City KKK-ku M address G number JJ TEL FF-EEEE-DDDD "Registration number: PP Finance Bureau Director (No. VVVV)" is printed.

  As explained in detail above, in the system for printing and issuing this transaction statement, the member information DB 57 for storing the attribute information of the transaction user, the transaction information DB 59 for storing the transaction history of the transaction user such as transaction or purchase, and various Transaction information DB 60 for storing various types of guide information for guiding advertisements and / or events related to the goods or services of the customer, and the transaction for a predetermined period stored in the transaction information DB 59 in the transaction statement issued to the transaction user In the guide information DB 60 selected based on the past transaction information stored in the transaction information DB 59 and the attribute data of the transaction user stored in the member information DB 57 together with the transaction information of the user. One or a plurality of stored guide information is printed out.

  As a result, the transaction user can easily confirm the contents of the transaction that has been performed in the past, and can provide guidance information such as effective advertisements and events to each transaction user. is there.

  The present invention relates to a transaction statement issuance system for transactions issued or used at predetermined intervals, which is issued to each transaction user who has made a transaction such as financial transaction or product purchase by a financial institution or a credit company. A transaction statement issuance system that can easily check the contents of a transaction visually for the convenience of a transaction user and provides guidance information such as events scheduled in the month after the statement issuance date And has industrial applicability.

1 shows an example of the overall configuration of a transaction statement issuing system according to an embodiment of the present invention. The structural example of the transaction statement issue device of this transaction statement issue system is shown. The flowchart of the statement preparation in this transaction statement issue system is shown. The example of a structure of the cover sheet left table of the description output with the transaction statement issue system which concerns on embodiment of this invention is shown. The structural example of the cover sheet right table of the description output with the transaction statement issue system which concerns on embodiment of this invention is shown. The following is an example of the left table of the cover sheet of the specification created by this system. The following is an example of the right table of a cover sheet of a specification that is printed out by this system. The other example of the left table of the cover sheet of the description produced by this system is shown.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Specification cover sheet left table 3 Specification cover sheet right table 5 Transaction statement issuing device 6a-6n Store terminal device 7a-7m Financial terminal device 8a-8k Member terminal device 10 LAN (Local Area Network) (communication line) )
11 Description of description name 12 Transaction user print description column 13 Description guide text 14 System usage restriction description column 15 Description issue month description 16 Calendar print column 17 Description type / payment form description 18 Transaction description Print field 20 Internet network 21 Account information entry field 22 Designated payment date entry field 23 Claim amount entry field 24 Remaining money entry field 25 Issuer entry field 31 Calendar monthly (schedule) entry 32 Schedule entry field 33 Cut line 34 To the transaction user Applicable advertisement-1
35 Advertisements suitable for business users-2
54 Store Authentication DB (Database)
55 DB for financial institution authentication
56 Member authentication DB
57 Member Information DB
58 Web page DB
59 Transaction Information DB
60 Information DB
61 Description DB
515 DB management unit (database management device)

Claims (11)

A transaction statement printing and issuing system for reporting transaction information such as transactions, purchases, etc. of finance, products or services issued to a transaction user every predetermined period,
A member information database for storing transaction user attribute information;
A transaction information database for storing a transaction history of a transaction user such as a transaction or purchase;
A guide information database for storing various guide information for guiding advertisements and / or events related to various products or services;
Database management means for managing the database;
A printing device for printing out the specification,
In the transaction statement, together with the transaction information of the transaction user for the period stored in the transaction information database, the transaction information of the past by the transaction user stored in the transaction information database and the member information database A transaction statement issuing system for printing out one or a plurality of guide information stored in the guide information database selected based on the attribute data of the transaction user stored in the transaction data.   In the transaction statement, a calendar including the predetermined period is printed and displayed. In the calendar, a serial number indicating the order of each transaction constituting the transaction information is equivalent to the calendar in which the transaction is performed. 2. The transaction statement issuing system according to claim 1, wherein the transaction statement issuance system is printed in association with a day.   The specification prints out a future calendar from the month following the month to which the issue date of the specification belongs, and the future calendar includes one or more selected for the transaction user included in the month. 3. The transaction statement issuing system according to claim 1, wherein the guide information is printed.   4. The transaction statement issuing system according to claim 3, wherein the attribute information in the member information database includes the age, sex, address, hobby, and family structure of each transaction user.   4. The transaction statement issuance according to claim 3, wherein the transaction history in the transaction information database includes each transaction user's past transaction store name, transaction date and time, transaction amount, payment method, and membership period. system.   4. The transaction details according to claim 3, wherein each of the various types of guide information in the guide information database includes at least a classification code, a period code, and a region code indicating the contents of a plurality of products or services. Certificate issuing system.   The specification on which the transaction information and the guidance information are printed is based on the age and gender that constitute the attribute information of the transaction user from the specifications relating to a plurality of types of design configurations prepared in advance. 4. The transaction statement issuance system according to claim 3, wherein a statement of one design configuration is selected.   In the future calendar, schedule information to that effect is printed in at least the date column corresponding to the date of birth of the transaction user, in addition to the account withdrawal date for the transaction or purchase of goods or services, etc. The transaction statement issuance system according to claim 3.   4. The transaction statement issuing system according to claim 3, wherein the guide information printed out on the transaction statement includes link information of a web page on which detailed information of the guide information is posted.   The transaction statement issuing system according to claim 9, wherein the link information of the web page is a two-dimensional code such as a QR code.   The transaction statement issuing system according to claim 1, wherein the predetermined period is one month, two months, three months, four months, six months, or one year.

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