JP2008146240A - Credit brand selection system, credit brand selection method, credit brand decision device, and credit settlement system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a technology for selecting a credit brand which is optimal to a user instead of the user by comparing accessory services from among a plurality of types of credit brands for making it possible to use a credit settlement service with a settlement means (portable terminal or IC card) carried by the user. <P>SOLUTION: This system 100 is configured of a decision device 300 equipped with an optimal brand decision part 351 for comparing the provision levels of accessory service content to be provided by each credit brand under a contract by an affiliated store for every affiliated store, and for deciding the credit brand providing the accessory service content whose provision level is a prescribed value or more as the optimal brand candidate, and for storing it in a final decision result table and an optimal brand information output part 353 for reading the information of the optimal brand candidate from a final decision result table, and for outputting it to a settlement means and a settlement means 200 equipped with a settlement processing part 260 for receiving the optimal brand candidate information from the decision device 300, and for reading a corresponding credit settlement application from the storage device to start the application, and for executing the processing of a credit settlement service with the settlement terminal of the affiliated store. <P>COPYRIGHT: (C)2008,JPO&INPIT

Description

  The present invention relates to a credit brand selection system, a credit brand selection method, a credit brand determination device, and a credit settlement means, and in particular, from among a plurality of types of credit brands that can be used on a user's mobile terminal, etc. The present invention relates to a technology capable of selecting or presenting an optimal credit brand for a user after comparing incidental services. The “credit brand” in the present invention includes all types of “service provider” and “service providing means (application program, device, IC card, etc.)”. The assumed range is not limited only to the type of “credit card” to be performed.

A technique related to selecting a credit brand to be used from a plurality of types of credit brands has been proposed. For example, in Patent Document 1, in consideration of the merits of card members and stores, credit card information related to a plurality of credit cards is stored in a storage unit for the purpose of effectively using a plurality of credit cards. A priority information receiving step for receiving priority information using a merit relating to the use of the plurality of credit cards as a key, with a card member entering the store as a trigger, and a plurality of based on the priority information A credit card processing method characterized by including a selection step of selecting a credit card to be used from among the credit cards.
JP 2003-76927 A

  By the way, various kinds and grades of credit cards, that is, credit brands, have been created by various credit card companies. In addition to this, for example, each department store, shopping street, shopping mall, etc. has alliance-type credit cards issued in cooperation with the above-mentioned various credit card companies, and there are indeed many types of credit cards (credit brands). To do. They usually have a variety of incidental services to provide various customer satisfactions in addition to the credit settlement function. For example, it is possible to give (return) points that can be used for subsequent settlements, cash back, give premiums, and the like. The credit cards that can be used vary from store to store, and users who seek these various supplementary services often have many types of credit cards. On the other hand, today, credit card payment functions and incidental service functions are stored in mobile terminals such as mobile phones in the form of software and hardware (hereinafter referred to as credit modules) that realize these functions. Credit services available in are starting to be offered. In this way, if all the credit modules of many kinds of credit cards are put in their own mobile terminals, it is not necessary to carry many credit cards themselves.

  However, each credit brand provides a very large number of incidental services, and each incidental service also has a different campaign period, so each user has a variety of incidental services that give their merits to each store. It is difficult to select the most appropriate credit brand for use. Such a problem is the same even in the case of a credit settlement service that can be used with a mobile terminal instead of a general credit card.

  Therefore, the present invention has been made in view of the above-mentioned problems, and compared ancillary services from a plurality of types of credit brands that can be used for a credit settlement service by a settlement means (mobile terminal or IC card) provided by the user. The main object of the present invention is to provide a technology capable of selecting a credit brand optimum for the user on behalf of the user.

  A credit brand selection system of the present invention that solves the above problems is a system that performs a credit brand selection process from various credit brands that provide a credit settlement service through a settlement means provided by a user, and performs a credit brand determination process. The determination device to be executed includes an arithmetic device, a storage device, and a communication device, and an available store table for storing information on member stores under contract for a credit brand and a credit settlement service, and an incidental service provided by the credit brand Access to the incidental service information table storing the incidental service content information indicating the contents, the credit brand information contracted by each member store is read from the available store table, and the credit brand read here Incidental service Content information is read from the supplementary service information table, and the provision level of the supplementary service content provided by each credit brand under contract of the member store is compared for each member store, and the provision level is equal to or higher than a predetermined value. A certain brand is determined as an optimal brand candidate, and information on the optimal brand candidate is stored in a final determination result table, and information on the optimal brand candidate for the member store is read from the final determination result table. An optimal brand information output unit that outputs the optimal brand candidate information to the payment means, wherein the payment means receives the optimal brand candidate information from the arithmetic device, the storage device, the communication device, and the determination device. Credit settlement application corresponding to the optimal brand indicated by the optimal brand candidate information Start reading from the storage device and executes the processing of credit settlement services between the payment terminal of the member store, and a settlement processing unit, characterized in that.

  Further, in the credit brand selection system, the payment means includes the application or arithmetic circuit corresponding to the optimal brand determination unit in the determination device prior to the credit payment process in the member store, and the optimal brand determination unit. This process may be executed by itself, and the optimum brand candidate information may be acquired by this process.

  Further, in the credit brand selection system, prior to the credit settlement process in the member store, the settlement unit includes the application or the arithmetic circuit corresponding to the optimum brand determination unit in the determination apparatus. On the other hand, it includes a processing request notification unit that transmits a request notification of optimal brand candidate information, and the determination device receives the request notification of optimal brand candidate information from the processing request notification unit of the payment means, and A request processing unit that instructs the determination unit to start processing may be provided.

  Further, in the credit brand selection system, the supplementary service content provided by each credit brand includes at least two types of service A and service B accompanying credit settlement processing, and the optimum brand determination of the determination device The department, for each member store, compares the service level of the incidental service provided by each credit brand contracted by the member store with respect to the service A. And a secondary determination that specifies a credit brand whose provision level is equal to or higher than a predetermined value for the service B from the credit brand specified in the primary determination, and is specified in the secondary determination. Identified credit brands as best brand candidates In it, it may be.

  Further, in the credit brand selection system, the determination device can access a priority brand table in which information on credit brands that each user preferentially uses for each member store is stored as priority brand information, and the optimum brand determination unit Stores the priority brand information in the affiliated store read from the priority brand table as the optimal brand candidate in the final determination result table when the optimal brand candidate whose provision level is a predetermined value or more cannot be specified. It is good also as.

  In the credit brand selection system, the payment processing unit of the payment means displays the optimal brand candidate information received from the determination device on the output interface, and the credit brand from the user accompanying the display of the optimal brand candidate information. The selection instruction may be received by the input interface, and the credit settlement application corresponding to the credit brand corresponding to the selection instruction may be executed.

  Further, the credit brand selection method of the present invention is a determination device that executes a credit brand determination process in a computer system that performs a credit brand selection process from various credit brands that provide a credit payment service through a payment means provided by a user. Includes an arithmetic device, a storage device, and a communication device, and an available store table that stores information of member stores that are under contract for a credit brand and a credit settlement service, and an incidental service content provided by the credit brand. It is possible to access an incidental service information table storing service content information, and the credit brand information contracted by each member store is read from the available store table, and the credit brand incidental service read here is read Information is read from the supplementary service information table, and the provision level of the supplementary service content provided by each credit brand under contract of the member store is compared for each member store, and the provision level is a predetermined value or more. A process for determining a candidate as an optimal brand candidate, storing information on the optimal brand candidate in a final determination result table, and reading out information on the optimal brand candidate for the member store from the final determination result table. A process for outputting candidate information to the settlement means, wherein the settlement means includes an arithmetic device, a storage device, and a communication device, receives the optimum brand candidate information from the determination device, and receives the optimum brand candidate. A credit payment application corresponding to the optimum brand indicated by the information is read from the storage device and started. Then, it is to perform the processing of credit settlement services between the settlement terminal of the member store.

  The credit brand determination apparatus of the present invention is a determination apparatus that executes a credit brand determination process provided in a system for performing a credit brand selection process from various credit brands that provide a credit payment service through a payment means provided by a user. An available store table that includes a computing device, a storage device, and a communication device and stores information on member stores under contract for a credit brand and a credit settlement service, and an incidental service content provided by the credit brand. And a supplementary service information table for storing the supplementary service content information to be displayed, and the credit brand information contracted by each member store is read from the usable store table, and the credit brand supplementary read here Service content information Read from the supplementary service information table, and for each member store, compare the provision level of the supplementary service content provided by each credit brand contracted by the member store, and the provision level is a predetermined value or more The optimum brand candidate is determined as an optimum brand candidate, and information on the optimum brand candidate is stored in the final decision result table, and information on the optimum brand candidate for the member store is read from the final decision result table, An optimal brand information output unit for outputting optimal brand candidate information to the settlement means.

    The credit settlement means of the present invention is a settlement means provided in a system for performing a credit brand selection process from various credit brands that provide a credit settlement service through a settlement means provided by a user, and includes an arithmetic device, a storage device, Receiving the optimal brand candidate information from the communication device and the determination device that executes the credit brand determination processing, and reading and starting the credit settlement application corresponding to the optimal brand indicated by the optimal brand candidate information from the storage device, A payment processing unit is provided for executing the processing of the credit payment service between the credit brand and the payment terminal of the member store under contract of the credit payment service.

  The “credit brand” in the present invention includes all types of “service provider” and “service providing means (application program, device, IC card, etc.)”. The assumed range is not limited only to the type of “credit card” to be performed.

  In addition, the problems disclosed by the present application and the solutions thereof will be clarified by the embodiments of the present invention and the drawings.

  According to the present invention, an optimal credit brand for a user is compared among a plurality of types of credit brands that can be used for a credit payment service by a payment means (mobile terminal or IC card) provided by the user. Can be selected on behalf of the user.

--- System configuration ---
Embodiments of the present invention will be described below in detail with reference to the drawings. FIG. 1 is a network configuration diagram including a credit brand selection system 100 of the present embodiment. Some are not connected to the network for convenience of explanation. The credit brand selection system 100 (hereinafter simply referred to as the system 100) in the present embodiment is optimal for use for each member store of the credit settlement service from among a plurality of types of credit brands that can be used on the user's mobile terminal 200. This is a system for selecting a credit brand on behalf of a user. The payment functions of each credit brand stored in the form of hardware or software (program) in the user's mobile terminal 200 have processing functions of incidental services for providing various customer satisfactions in addition to the functions of credit payment services. Have. Ancillary services include, for example, the provision (return) of cash conversion points, cash back, the provision of prizes, and lottery for that purpose.

  Specifically, the system 100 of the present embodiment includes a user portable terminal 200 and an ASP server 300 of a trader who operates and manages the credit brand selection system. The user terminal 400 is a computer used by the user of the portable terminal 200, and is a terminal for accessing the ASP server 300 via the network 102 and performing processing for acquiring supplementary service content information. Specifically, it is a personal computer. In addition, the mobile terminal 200 in the present embodiment corresponds to a settlement unit in the present invention. However, when the portable terminal 200 includes the function of the present invention provided in the ASP server 300, the determination apparatus according to the present invention is also provided.

  In this embodiment, the mobile terminal 200 uses a mobile phone. However, the mobile terminal 200 is not limited to this. For example, a mobile information terminal (PDA: Personal Digital Assistants) or a payment terminal (or IC card) of a member store is used. It is also possible to use an IC card having a communication function with a reader. As a functional configuration of the portable terminal 200, in order to realize the function of executing the credit brand selection method of the present invention, the program database 201 such as a rewritable memory is provided with a program 202, and the program 202 is read into the memory 203 to be operated. It is executed by the CPU 204 as the apparatus. The mobile terminal 200 has an input interface 205 including various buttons and a network communication function, an output interface 206 including a display screen and a network communication function, and the like. The communication functions of the input interface 205 and the output interface 206 of the portable terminal 200 are connected to an external device such as the ASP server 300 and various networks 102 such as a public line network, the Internet, and a wireless LAN, and execute data exchange. The I / O unit 207 executes data buffering and various mediation processes between various function units (to be described later) of the portable terminal 200 and the communication function.

  Further, as a program 208 different from the program 202 of the mobile terminal 200, for example, each of nine types of credit brands is a program for executing a credit card settlement process in the member store, which is a brand 1 settlement process execution program to a brand 9 settlement. Processing execution programs 251 to 259 are stored. Here, in the present embodiment, the brand indicating the type of credit card payment service is not limited to the type of credit company, but also the grade of the credit service issued by the same credit company, In this case, the contents of incidental services differ depending on the partner, etc., so that point is also distinguished. The brand 1 settlement process execution program to the brand 9 settlement process execution program 251 to 259 may be stored in the portable terminal 200 as software or may be stored as hardware.

  Such a mobile terminal 200 having a credit settlement function for various credit brands 1 to 9 is a dedicated credit provided at a cash register or the like when a user makes a purchase at the member store (hereinafter simply referred to as a store). By holding the reader 500 (a payment terminal of a member store) over the reader 500, the payment process by any one of the brand 1 payment process execution program to the brand 9 payment process execution program 251 to 259 is executed. The credit reader 500 is connected to a credit information inquiry service such as CAFIS (Credit And Finance Information Switching system).

  Further, as a functional configuration of the ASP server 300, a program database 301 such as a rewritable memory is provided with a program 302 in order to realize a function of executing the credit brand selection method of the present invention, and the program 302 is stored in the memory 303. Reading and execution are performed by the CPU 304 as an arithmetic unit. The ASP server 300 includes an input interface 305 including various buttons and a network communication function, an output interface 306 including a display screen and a network communication function, and the like. The communication functions of the input interface 305 and the output interface 306 of the ASP server 300 are connected to external devices such as the mobile terminal 200 and the user terminal 400 and various networks 102 such as a public line network, the Internet, and a wireless LAN, and execute data exchange. To do. The I / O unit 307 executes data buffering and various mediation processes between various function units (described later) of the ASP server 300 and the communication function. Such an ASP server 300 in this embodiment corresponds to a determination device in the present invention.

  Next, various functional units configured and held by the mobile terminal 200 as a settlement means constituting the system 100 and the ASP server 300 as a determination device based on the respective programs 202 and 302 will be described. Further, the system 100 includes an incidental service information table 325 which is data in a table format in database software or spreadsheet software, final determination result tables 326 and 225, a priority brand table 327, and an available store table 328. It is assumed that the secondary determination result table 329 can be used. These tables 225 and 325 to 329 are assumed to be appropriately arranged and provided in an appropriate storage device such as a hard disk drive provided in the computer device of the mobile terminal 200 or the ASP server 300. Alternatively, these tables 225 and 325 to 329 may exist on the network 102 separately from the mobile terminal 200 and the ASP server 300. In this case, the portable terminal 200 and the ASP server 300 include, for example, a DBMS (Database Management System), access the tables 225 and 325 to 329 via the network 102, and execute processing such as information registration and information search.

  The ASP server 300, which is a determination device in the system 100, includes an available store table 328 that stores information on member stores that are contracted with a credit brand and a credit settlement service, and an incidental service that indicates details of incidental services provided by the credit brand. It is possible to access an incidental service information table 325 that stores content information.

  The incidental service content information stored in the incidental service information table 325 is input by the user of the portable terminal 200 accessing the ASP server 300 via the network 102 using the user terminal 400 or the portable terminal 200. Also good. Alternatively, the supplementary service content information is automatically collected by the program 302 of the ASP server 300 by accessing the web server of each credit brand 1 to 9 whose network address such as URL is known in advance, and automatically collecting it from the web server. It may be stored in the service information table 325. This is preferable because the user can save time and effort to collect and input incidental service content information by himself and only select a desired incidental service. Here, when the user selects a desired supplementary service, for example, among various supplementary services such as point redemption, cashback, and giveaway that are associated with the credit settlement service functions of the brands 1 to 9 held in the mobile terminal 200, for example, A desired incidental service, such as an incidental service that he or she emphasizes, is selected.

  For example, the user terminal 400 may access the ASP server 300 via the network 102 and select from the list of supplementary service content information presented by the ASP server 300 (of course, the ASP server may be used). 300 transmits incidental service content information collected in advance from the web server or the like to the user terminal 400 or the like through the network 102 or the like as web display data).

  The user of the present embodiment selects two types of supplementary services, point return and cashback, and the supplementary service content information includes a point information table 325a and a cashback information table as the supplementary service information table 325. It is assumed that it is stored in 325b.

  In addition, the ASP server 300 reads out information on the credit brand contracted by each member store from the available store table 328, and the read-out service content information of the credit brand read here is included in the supplementary service information table 325. Read more and compare the provision level of the incidental service content provided by each credit brand under contract with the member store for each member store, and determine that the provision level is a predetermined value or more as the optimum brand candidate In addition, an optimum brand determination unit 351 that stores information on the optimum brand candidate in the final determination result table 326 is provided.

  As will be described later, in the present embodiment, the determination process executed by the optimum brand determination unit 351 includes a total of three determinations: primary determination, secondary determination, and final determination. In the primary determination, points are obtained for each credit brand 1 to 9 for each member store based on the supplementary service content information stored in the point information table 325a or the cashback information table 325b as the supplementary service information table 325. Individually determine the benefits related to returns or cash back. The result of this primary determination is stored in the point information table 325a or the cashback information table 325b, respectively. In the secondary determination, a merit for point reduction or a merit for cashback, which is a result of the primary determination, is comprehensively determined. The secondary determination result is stored in the secondary determination result table 329.

  Here, the final determination will be described in more detail. The ASP server 300 of the system 100 stores a priority brand table 327 for storing priority brand information (for example, receiving a user instruction in advance via the input interface 305) that defines a credit brand that each user preferentially uses for each member store. Prepare. Information stored in the priority brand table 327 may be input by the user himself / herself accessing the ASP server 300 from the user terminal 400 or the portable terminal 200 through the network 102.

  When the optimum brand determination unit 351 determines a credit brand that is determined to have the maximum merit for the user as a result of performing each determination of primary and secondary with respect to the incidental service content information according to a predetermined standard for a certain member store In addition, for the member store, based on the priority brand information read from the priority brand table 327, the priority use credit brand for the member store is stored in the final determination result table 326 as the optimum brand candidate. I will do it.

  By executing such processing, it is possible to efficiently select a credit brand that the user wants to use preferentially for a member store that does not have a credit brand that can provide the user with an exceptionally high merit for the incidental service. In the credit brand selection process, the user's desire to select a credit brand can be reflected, which is advantageous for further improving user satisfaction. The user's desire regarding card selection can be assumed, for example, when the user has a specific credit brand for which the user wants to accumulate reward points intensively.

  Further, the ASP server 300 reads out information on the optimal brand candidate for the member store from the final determination result table 326, and outputs the optimal brand candidate information to the mobile terminal 200 as the settlement means. An output unit 353 is provided.

  On the other hand, the mobile terminal 200 serving as a payment unit that receives the optimal brand candidate information from the optimal brand information output unit 353 of the ASP server 300 includes a payment processing unit 260. The payment processing unit 260 receives the optimal brand candidate information from the ASP server 300 and carries a credit payment application (the payment processing execution program for the brands 1 to 9) corresponding to the optimal brand indicated by the optimal brand candidate information. The data is read from the storage device (nonvolatile memory or the like) of the terminal 200 and activated, and the credit settlement service processing is executed with the credit reader 500 (settlement terminal) of the member store.

  With such a configuration, when payment is made at a member store as described above, when the mobile terminal 200 is held with the intention of payment over the credit reader 500, the selection of the credit brand to be executed is performed. The settlement processing unit 260 will automatically do this. As a result, users don't have to worry about choosing a credit brand, and the system 100 is automatically optimized as if it were a concierge that would automatically arrange tickets for guests at the hotel. From the selection of the right credit brand to the execution of the payment processing program. That is, the user can perform shopping using the credit settlement extremely conveniently and quickly.

  In addition, when the mobile terminal 200 includes an application or an arithmetic circuit corresponding to the optimal brand determination unit 351 in the ASP server 300 prior to the credit settlement processing in the member store, the processing of the optimal brand determination unit 351 is performed. It may be executed by itself and may acquire optimal brand candidate information by this processing.

  Alternatively, when the mobile terminal 200 does not include an application or an arithmetic circuit corresponding to the optimum brand determination unit 351 in the ASP server 300 prior to the credit settlement process in the member store, A processing request notification unit 261 that transmits a request notification of optimal brand candidate information may be provided.

  In this case, the ASP server 300 receives a request notification of optimal brand candidate information from the processing request notification unit 261 of the mobile terminal 200, and instructs the optimal brand determination unit 351 to start processing. 355.

  Further, the payment processing unit 260 of the mobile terminal 200 displays the optimal brand candidate information received from the ASP server 300 on the output interface 206 such as a display device, and the credit from the user accompanying the display of the optimal brand candidate information. A brand selection instruction is received by the input interface 205, and the credit settlement applications 251 to 259 corresponding to the credit brand corresponding to the selection instruction are executed. By presenting the optimal brand candidate information to the user in this way, the final determination result can be finally confirmed on the user side before the settlement process is executed.

  As described above, the final determination that is a table necessary for the processing of the payment processing unit 260 by causing the mobile terminal 200 to hold the payment processing unit 260 among the various functional units included in the ASP server 300 and the mobile terminal 200 of the system 100. If the result table 326 is transmitted from the ASP server 300 to the portable terminal 200 and all other functional units and various tables are held in the ASP server 300, the processing executed in the portable terminal 200 is minimized. Therefore, the operation becomes light, and the final determination result output process is also quickly performed. Since the final determination result output process is mainly performed at the settlement scene actually associated with shopping at the member store, a configuration in which such function sharing is performed between the determination apparatus and the settlement means is advantageous. In this way, when the mobile terminal 200 is replaced (such as a model change in the case of a mobile phone), the number of programs and data that need to be transferred in the mobile terminal 200 is minimized. This is also advantageous in terms of labor and speed.

  The function units 260 to 261 and 351 to 355 in the system 100 shown so far may be realized as hardware, or the program 202 stored in an appropriate storage device such as a memory or an HDD (Hard Disk Drive). , 302 may be realized. In the latter case, the CPUs 204 and 304 of the system 100 read the corresponding programs 202 and 302 from the storage device to the memories 204 and 304 in accordance with the execution of the programs 202 and 302, and execute them.

  In addition, the function units 260 to 261 and 351 to 355 and the tables 225 and 325 to 329 are also arranged in the mobile terminal 200 or the ASP server 300, respectively. However, various changes are possible. For example, all the functional units and tables may be held in the mobile terminal 200. In this case, the supplementary service content information and priority brand information input from the user terminal 400 are received and stored by the mobile terminal 200 via the input interface 205 instead of the ASP server 300.

  In addition, when the display screen that is the input interface 205 or the output interface 206 of the mobile terminal 200 is sufficiently large and easy to use, the incidental service content information and priority brand information are input from the mobile terminal 200 instead of the user terminal 400. You may make it perform.

--- Database structure ---
Next, the data structure of each table 225, 325 to 329 used by the system 100 of this embodiment will be described. FIG. 2 is a diagram illustrating a data structure example of the point information table 325a which is one of the incidental service information tables 325 in the present embodiment. As shown in FIG. 2, the incidental service information table 325 is an example of a table for storing service contents of an incidental service provided by a credit brand, and the point information table 325 a of the table includes, for example, a credit brand type as a key. , A point grant unit, a stage (service grade based on past usage amount, etc.) preferential rate, a set of records in which information such as a campaign point grant rate is associated. In addition, in this point information table 325a, “total”, that is, a settlement amount necessary for obtaining one point, and a primary determination result (rightmost column), which are processing results by the optimum brand determination unit 351, are also written. . In the present embodiment, the primary determination result is expressed as a four-point score based on numerical values of 1 to 4. The lower the score, the greater the merit for the user. The point information table 325a illustrated in FIG. 2 is a data example of a certain store A. In the present embodiment, there are nine stores from A to I (see FIG. 5 and the like), and data as shown in FIG. 2 is registered for all nine stores.

  FIG. 3 is a diagram showing an example of the data structure of a cashback information table 325b, which is another example of the incidental service information table 325 in the present embodiment. As shown in FIG. 3, the cashback information table 325b is a set of records in which information such as a return (a flag indicating whether or not there is a cashback) and primary determination results are associated with a credit brand type as a key. It is a body. In this embodiment, the primary determination result that is the processing result by the optimum brand determination unit 351 is given a numerical value “0” for a brand with cash back and a numerical value “1” for a brand without cash back. The cashback information table 325b illustrated in FIG. 3 is an example of data for a certain store A. In the present embodiment, there are nine stores from A to I (see FIG. 5 and the like), and data as shown in FIG. 3 is registered for all nine stores.

  FIG. 4 is a diagram showing an example of the data structure of the secondary determination result table 329 in the present embodiment. As shown in FIG. 4, the secondary determination result table 329 is a table that mainly stores a secondary determination result that is one of the processing results by the optimum brand determination unit 351. For example, with the credit brand type as a key, This is a set of records in which information such as the primary determination result of the point information table 325a, the primary determination result of the cashback information table 325b, and the secondary determination result is associated. In the present embodiment, the secondary determination result is a value obtained by adding the primary determination result of the point information table 325a and the primary determination result of the cashback information table 325b. The smaller the value of the secondary determination result, the greater the merit for the user. The secondary determination result table 329 illustrated in FIG. 4 is a data example for a certain store A. In the present embodiment, there are nine stores from A to I (see FIG. 5 and the like), and data as shown in FIG. 4 is registered for all nine stores.

  FIG. 5 is a diagram showing an example of the data structure of the final determination result table 326 in the present embodiment. As illustrated in FIG. 5, the final determination result table 326 is a table that stores information on credit brand candidates that are optimal for use for each member store, which is a final processing result by the optimal brand determination unit 351. Using the credit brand type as a key, for each member store (from store A to store I in the structural example of FIG. 5), flag “1” is set for the credit brand determined to be optimal, and flags are set for other credit card brands. It is a collection of records associated with “0”. As described above, the final determination result table 326 is transmitted to the mobile terminal 200 as needed by the optimum brand information output unit 353 of the ASP server 300 in the present embodiment.

  FIG. 6 is a diagram illustrating a data structure example of the priority brand table 327 in the present embodiment. As shown in FIG. 6, the priority brand table 327 is a table that stores priority brand information in which credit brands that are preferentially used for each member store by each user are stored. For example, credits that are preferentially used for each member store It is a collection of records that associate brands.

  FIG. 7 is a diagram showing an example of the data structure of the available store table 328 in the present embodiment. As shown in FIG. 7, the available store table 328 is a table in which credit brands that can be used for each member store are registered in advance. For example, credits that can be used for each member store using the credit brand type as a key. It is a set of records in which the flag “1” is associated with the brand and the flag “0” is associated with the other credit brands. The available store table 328 may be input by the user himself / herself, or may be automatically acquired by the system 100 (the ASP server 300 or the portable terminal 200) from a server of each credit company. In the present embodiment, information stored in the available store table 328 is input from the user terminal 400 by the user himself / herself.

--- Processing flow example 1 ---
Hereinafter, a processing flow example corresponding to the credit brand selection method in the present embodiment will be described with reference to the drawings. Various operations corresponding to the credit brand selection method described below are performed by programs 202 and 302 that are read and executed by the mobile terminal 200 and the ASP server 300 constituting the system 100 in appropriate memories 203 and 303, respectively. Realized. And these programs 202 and 302 are each comprised from the code | cord | chord for performing the various operation | movement demonstrated below.

  FIG. 8 is a flowchart showing an execution procedure example 1 of the credit brand selection method of the present embodiment. Here, first, processing from reception / storage of incidental service content information to registration of a secondary determination result will be described.

  First, the ASP server 300 of the system 100 obtains, for example, incidental service content information related to the incidental service of the type selected by the user from the incidental services through an input from the input interface 305, or sends it to a credit brand web server. The information is acquired by accessing and stored in the point information table 325a and the cashback information table 325b, which are the supplementary service information table 325 (s100). In the present embodiment, it is assumed that incidental service content information is input from the user terminal 400 by the user.

  Next, the ASP server 300 acquires priority brand information that defines the credit brand that each user preferentially uses for each member store through the input from the input interface 305, and stores it in the priority brand table 327 (s102). . In the present embodiment, the priority brand information is input by the user from the user terminal 400.

  Also, in step s102, the program 302 of the ASP server 300 obtains information on the credit brand that can be used for each member store through the input on the input interface 305, and stores it in the available store table 328. In the present embodiment, it is assumed that the user himself / herself inputs information stored in the available store table 328 from the user terminal 400. However, the incidental service content information and priority brand information acquired in steps s100 and s102 are prepared in advance in a storage medium (CD-ROM or the like) or a storage device (nonvolatile memory or hard disk drive), and the stored information is stored in the system. When the access is possible on the 100 side, the system 100 does not need to execute a process for acquiring a new device completely.

  Next, the optimum brand determination unit 351 of the ASP server 300 executes the primary determination process based on each supplementary service content information read from the point information table 325a and the cashback information table 325b, which are supplementary service information tables 325. The results of the primary determination (see FIGS. 2 and 3) are stored in the point information table 325a and the cashback information table 325b (s104). FIG. 2 and FIG. 3 are data examples for the store A, but the point information, the cashback information, the primary determination result, and the like are similarly stored for the stores B to I.

  Next, the optimal brand determination unit 351 of the ASP server 300 executes the secondary determination process based on the result of the primary determination in step s104, and determines the secondary determination result (see FIG. 4) as the secondary determination. The result is stored in the result table 329 (s106). Although FIG. 4 is an example of data about the store A, the secondary determination result is similarly calculated and stored for the stores B to I.

  This is the end of the processing of this flow example.

--- Processing flow example 2 ---
FIG. 9 is a flowchart showing an execution procedure example 2 of the credit brand selection method of the present embodiment. Here, the process from the registration of the secondary determination result in the flow example 1 to the output of the final determination result will be described.

  First, the optimal brand determination unit 351 of the ASP server 300 uses the priority brand table 327 and the use of the priority brand information and the credit brand information that can be used for each store received and stored in step s102 in the flow example 1. Read from the possible store table 328 (s200).

  Next, the optimal brand determination unit 351 determines, for each member store, the credit brand that is determined to have the maximum merit for the user as a credit brand candidate that is optimal for use, and stores the credit brand in the final determination result table 326 (s202). ). More specifically, first, after confirming the credit brand that can be used for each member store in the available store table 328, from the data content of the secondary determination result table 329 stored in step s106, If there is a credit brand that is determined to have the maximum merit for the user, the credit service is finally determined as the optimal credit brand for use.

  At this time, referring to the example of FIG. 4, for example, first, the primary determination result (score) of the point information is unconditionally rounded down if it is 3 or more (only credit brand 3 in the example of FIG. 4). Consider credit brand 4). Next, the value obtained by adding up the primary determination results (points) of the cashback information among the items that are considered in the primary determination results of the point information is the smallest (in the example of FIG. 4, the value is 2). The credit brand 4) is determined as the credit brand with the maximum merit for the user. Here, the sum of the primary determination result (score) of the point information and the primary determination result (score) of the cashback information are all greater than or equal to a predetermined value, or the primary determination results of the point information are all predetermined values ( In this embodiment, in the case of “3”) or more, it is determined that “there is no credit brand that maximizes the merit for the user”. In that case, based on the priority brand information read out in step s200, the priority use credit brand for the member store is finally determined as the optimal credit brand for use.

  Next, the optimum brand information output unit 353 of the ASP server 300 transmits the final determination result table 326 to the mobile terminal 200 (s204).

  On the other hand, the portable terminal 200 receives the final determination result table 326 transmitted from the ASP server 300 in step s204 (s206). Here, the payment processing unit 260 of the mobile terminal 200 reads the information of the credit brand determined to be optimal for use for each member store from the final determination result table 225 received in step s206, and outputs it via the output interface 206. (S208). As a specific situation, for example, when the user makes a purchase at the store A, the system 100 is caused to execute the above-described processing so that the system 100 selects a credit brand most suitable for use at the store A. Then, specifically, the settlement processing unit 260 outputs, as an output result, a program for executing a settlement process at a member store corresponding to the credit brand (in the example of FIG. 5, the settlement process of the credit brand 4 in the case of the store A). The execution program is selected when the settlement process is executed. Moreover, you may perform the process which displays the credit service brand 4 finally determined to be the optimal for the said use on the display screen 206 of the portable terminal 200 as needed.

  Note that the mobile terminal 200 may issue a request for transmission of the optimal brand candidate information at the member store to the ASP server 300 before receiving the information of the final determination result table from the ASP server 300 in step s206. In this case, for example, the mobile terminal 200 as a payment means stores its function configuration list information in the memory 203 or the like, and corresponds to the application or arithmetic circuit corresponding to the optimum brand determination unit 351 in the list information. The presence or absence of information to be determined is determined. This determination process is executed by the portable terminal 200 prior to step s200. When the mobile terminal 200 can determine that the mobile terminal 200 does not have the function corresponding to the optimal brand determination unit 351, the processing request notification 261 transmits a request notification of optimal brand candidate information to the ASP server 300. It is. The ASP server 300 receiving this request notification starts the step s200.

  Or, conversely, when the mobile terminal 200 includes an application or arithmetic circuit corresponding to the optimum brand determination unit 351, the process (s200 to s202) of the optimum brand determination unit 351 is executed by itself. The optimal brand candidate information may be acquired by the above.

  As described above, according to the present embodiment, the credit brand that is most suitable for the user is selected from the plurality of types of credit brands that can be used on the user's mobile terminal and the like. It is possible to select instead.

  As mentioned above, although embodiment of this invention was described concretely based on the embodiment, it is not limited to this and can be variously changed in the range which does not deviate from the summary.

It is a network block diagram including the credit brand selection system of this embodiment. It is a figure which shows the data structure example 1 of the incidental service information table (point information table) in this embodiment. It is a figure which shows the data structure example 2 of the incidental service information table (cashback information table) in this embodiment. It is a figure which shows the example of a data structure of the secondary determination result table in this embodiment. It is a figure which shows the example of a data structure of the final determination result table in this embodiment. It is a figure which shows the example of a data structure of the priority brand table in this embodiment. It is a figure which shows the data structural example of the available shop table in this embodiment. It is a figure which shows the process flow example 1 corresponding to the credit brand selection method of this embodiment. It is a figure which shows the process flow example 2 corresponding to the credit brand selection method of this embodiment.

Explanation of symbols

100 credit brand selection system 102 communication network 200 mobile terminal (payment means)
201 Program database 202 Program 203 Memory 204 CPU
205 Input Interface 206 Output Interface 207 I / O Unit 225 Final Determination Result Table 260 Settlement Processing Unit 261 Processing Request Notification Unit 300 ASP Server (Determination Device)
301 Program Database 302 Program 303 Memory 304 CPU
305 Input interface 306 Output interface 307 I / O unit 308 Program 325 Attached service information table 326 Final determination result table 327 Priority brand table 328 Available store table 329 Secondary determination result table 351 Optimal brand determination unit 353 Optimal brand information output unit 355 Request processing unit 400 User terminal

Claims (9)

A system for performing a credit brand selection process from various credit brands that provide a credit settlement service through a settlement means provided by a user,
A determination device that executes a credit brand determination process,
Comprising an arithmetic device, a storage device, and a communication device,
It is possible to access an available store table that stores information on member stores that are contracting with a credit brand and a credit settlement service, and an incidental service information table that stores incidental service content information indicating incidental service details provided by the credit brand. Yes,
The credit brand information contracted by each member store is read from the available store table, and the additional service content information of the credit brand read here is read from the supplementary service information table, for each member store. , Comparing the provision level of the incidental service content provided by each credit brand under contract by the member store, determining that the provision level is a predetermined value or more as an optimum brand candidate, and finalizing information on the optimum brand candidate An optimal brand determination unit stored in the determination result table;
The optimum brand candidate information for the member store is read from the final determination result table, and the optimum brand candidate information is output to the settlement means, and an optimum brand information output unit is provided.
The settlement means is
Arithmetic device, storage device, communication device,
The optimal brand candidate information is received from the determination device, a credit payment application corresponding to the optimal brand indicated by the optimal brand candidate information is read from the storage device and activated, and the credit payment is performed with the payment terminal of the member store. A payment processing unit for executing processing of the service;
A credit brand selection system. The settlement means is
Prior to the credit settlement process at the member store, when the self-equipped with an application or an arithmetic circuit corresponding to the optimal brand determination unit in the determination device, the process of the optimal brand determination unit is executed by itself, and this process allows the optimal brand candidate The credit brand selection system according to claim 1, wherein the system acquires information. The settlement means is
Prior to the credit settlement process at the member store, when the device itself does not have an application or arithmetic circuit corresponding to the optimum brand determination unit in the determination device, a request notification of optimal brand candidate information is transmitted to the determination device. A processing request notification unit,
The determination device includes:
Receiving a request notification of optimal brand candidate information from the processing request notification unit of the payment means, and providing a request processing unit that instructs the optimal brand determination unit to start processing;
The credit brand selection system according to claim 1, wherein: The incidental service content provided by each credit brand includes at least two types of service A and service B accompanying credit settlement processing,
The optimal brand determination unit of the determination device is
For each member store, when comparing the provision level of the incidental service content provided by each credit brand contracted by the member store, a credit brand whose provision level is a predetermined value or more is specified for the service A A credit card identified by the secondary judgment is executed by performing a primary judgment and a secondary judgment for identifying a credit brand whose provision level is a predetermined value or more for the service B from the credit brand identified by the primary judgment. Identify the brand as the best brand candidate,
The credit brand selection system according to claim 1. The determination device is
Each user can access a priority brand table in which information on credit brands used preferentially for each member store is stored as priority brand information.
The optimal brand determination unit
When the optimal brand candidate whose provision level is a predetermined value or more cannot be specified, the priority brand information in the corresponding member store read from the priority brand table is stored as the optimal brand candidate in the final determination result table.
The credit brand selection system according to claim 1. The payment processing unit of the payment means is
The optimal brand candidate information received from the determination device is displayed on the output interface, and a credit brand selection instruction from the user accompanying the display of the optimal brand candidate information is received at the input interface, and the credit corresponding to the selection instruction is displayed. It performs the execution processing of the credit payment application corresponding to the brand.
The credit brand selection system according to claim 1. In a computer system that performs a credit brand selection process from various credit brands that provide a credit settlement service through a settlement means provided by a user,
A determination device that executes a credit brand determination process,
Comprising an arithmetic device, a storage device, and a communication device,
It is possible to access an available store table that stores information on member stores that are contracting with a credit brand and a credit settlement service, and an incidental service information table that stores incidental service content information indicating incidental service details provided by the credit brand. Yes,
The credit brand information contracted by each member store is read from the available store table, and the additional service content information of the credit brand read here is read from the supplementary service information table, for each member store. , Comparing the provision level of the incidental service content provided by each credit brand under contract by the member store, determining that the provision level is a predetermined value or more as an optimum brand candidate, and finalizing information on the optimum brand candidate Processing to store in the judgment result table;
The information of the optimal brand candidate for the member store is read from the final determination result table, and the process of outputting the optimal brand candidate information to the settlement means is executed.
The settlement means is
Comprising an arithmetic device, a storage device, and a communication device,
The optimal brand candidate information is received from the determination device, a credit payment application corresponding to the optimal brand indicated by the optimal brand candidate information is read from the storage device and activated, and the credit payment is performed with the payment terminal of the member store. Execute service processing,
Credit brand selection method. A determination apparatus for executing a credit brand determination process provided in a system for performing a credit brand selection process from various credit brands that provide a credit payment service through a payment means provided by a user,
Comprising an arithmetic device, a storage device, and a communication device,
It is possible to access an available store table that stores information on member stores that are contracting with a credit brand and a credit settlement service, and an incidental service information table that stores incidental service content information indicating incidental service details provided by the credit brand. Yes,
The credit brand information contracted by each member store is read from the available store table, and the additional service content information of the credit brand read here is read from the supplementary service information table, for each member store. , Comparing the provision level of the incidental service content provided by each credit brand under contract by the member store, determining that the provision level is a predetermined value or more as an optimum brand candidate, and finalizing information on the optimum brand candidate An optimal brand determination unit stored in the determination result table;
The information of the optimal brand candidate for the member store is read from the final determination result table, and includes the optimal brand information output unit that outputs the optimal brand candidate information to the payment means.
Credit brand determination device. A payment means provided in a system for performing a credit brand selection process from various credit brands that provide a credit payment service through a payment means provided by a user,
Arithmetic device, storage device, communication device,
The optimal brand candidate information is received from the determination device that executes the credit brand determination processing, and the credit settlement application corresponding to the optimal brand indicated by the optimal brand candidate information is read from the storage device and activated, and the credit brand and credit A payment processing unit for executing processing of a credit payment service with a payment terminal of a member store under a payment service contract;
A credit settlement means characterized by the above.