JP2008305112A - Membership web electronic money site management system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a membership Web electronic money site management system allowing reward distribution to an agency member indispensable for spread of the system by managing electronic money settlement and an SNS using a mobile terminal. <P>SOLUTION: This membership Web electronic money site management system comprises: a mobile terminal 1 of an individual member monthly purchasing electronic money of a prescribed money amount, and performing purchase/use in a store or a virtual store; a mobile terminal 2 of the agency member performing recruitment of the individual member and a store member, and agency activity for inviting to member registration into a membership Web site; a mobile terminal 3a of the store member and a settlement terminal 3b; and a membership Web site management computer 50. A settlement application of use electronic money and an ID of a used store are received from the mobile terminal 1, it is decided whether or not the settlement is possible by an electronic money balance of the member, a settlement propriety mail is immediately transmitted to the mobile terminal 3a of the used store together with a settlement ID number, the electronic money balance is updated when a response of the settlement ID number and reception approval is performed from the mobile terminal 3a, and it is registered in an electronic money use history file 44. <P>COPYRIGHT: (C)2009,JPO&INPIT

Description

  The present invention relates to a management system that provides a settlement service using SNS (Social Networking Service) and membership-based electronic money via a mobile phone website.

  General stores, restaurants, and service providers located in the region are trying to attract customers and promote sales through advertising expenses such as advertisements for town magazines, newspaper inserts, and discount coupon distribution. In fact, it is difficult to reliably collect users.

  No matter how good products and services can be provided, sales cannot be increased without first promoting store visits. In addition, the conventional advertising has a problem that the effect cannot be expected even if it is expensive.

  The number of mobile phones popularized in 2007 was 97 million, and Web site advertisements using mobile terminals have attracted attention. However, there was a problem that the probability of browsing was low if there was no motivation. As a solution to this, it is effective to promote browsing of a website through a network having a strong trust relationship, such as SNS (Social Networking Service).

  Moreover, in order to make SNS participants members and to attract customers and consume them with certainty, a payment system using electronic money distributed between members is desired.

  In addition, there is no business advantage if there are few electronic money user members and stores that can use the electronic money, so there must be a mechanism for rapidly expanding user members and available member stores. was there.

  Patent Document 1 is an electronic money settlement system using a non-contact IC card. However, for these electronic money, an infrastructure for arranging a card reader (reader) / writer (writer) in a use store must be maintained. It cannot be disseminated, so it is popular with public transport, convenience store chains, and member cards of major distribution companies.

  However, there is a problem that small retailers such as general retailers and restaurants cannot use the card reader / writer because the use corresponding to the investment of the card reader / writer is in danger.

JP 2006-260196 A (2nd, 3rd page, FIG. 1)

  The present invention has been made in view of the above-mentioned problems, manages SNS and electronic money settlement using a mobile terminal (Internet-connected mobile phone), and distributes rewards to agency members indispensable for the spread of the system. It is an object of the present invention to provide a membership system Web electronic money site management system that makes it possible.

In order to solve the above-mentioned problems, the membership-based Web electronic money site management system of the present invention provides a member who provides a settlement service using SNS (Social Networking Service) and membership-based electronic money via a mobile phone website. Web electronic money site management system,
A mobile device of an individual member who purchases a certain amount of electronic money every month and purchases or uses products from a store member's virtual store or stores and restaurants / services,
Mobile terminals of agency members that conduct agency activities to recruit individual members and store members, and solicit membership registration on the membership website,
A mobile terminal of a store member who provides store information in exchange for payment settlement with electronic money purchased by the individual member and agency member, and a payment terminal device provided in the store;
Each mobile terminal and payment terminal comprises a membership system website management computer connected via the Internet,
The membership system website management computer includes a web server having a homepage that can be displayed on a portable terminal, an individual / agent member registration unit for registering a member, a store member information registration unit for registering a store member, Accepting registration information for store members' products and services and advertisement / questionnaire registration, as well as store information registration / publication means to be disclosed on the homepage, accepting electronic money purchase application from members and prepaid by account transfer Prepaid electronic money registration means for renewing and registering the balance of electronic money, store information browsing point registration means for registering electronic money points to individual members and agency members who have browsed store information, and virtual store from members A mail order acceptance processing means for accepting merchandise / service requests and providing merchandise / services, and a store Payment processing with electronic money for services such as product purchases and eating and drinking at member's stores and payment processing means, and electronic money settlement for store members, agency members and individual members with payment of electronic money for sales And sales reward settlement means for performing cash settlement; SNS management means for managing the browsing history of the SNS; and mail simultaneous distribution means for simultaneously distributing advertisements from the store members as emails to individual members and agency members; A management server comprising at least questionnaire distribution analysis means for performing distribution and answer analysis of questionnaires from the store members;
A database server that records at least a member information file, a store information file, a product information file, an electronic money use history file, and a Web browsing history file registered and updated by each means is provided.

  In addition, the store payment processing means accepts the application for payment of the use store ID and the electronic money to be used from the member's portable terminal, determines whether the payment can be made with the member's electronic money balance, and immediately determines the store member's store member's electronic money balance. When payment is sent to the mobile terminal along with the payment ID number, the store member's mobile terminal updates the usage member's electronic money balance when there is a payment ID number, confirmation of the usage electronic money, and payment acceptance approval. A mobile terminal settlement means for registering in the electronic money usage history file is provided.

  The store payment processing means is provided in the store of the store member when there is a request for payment of electronic money for use of goods / services from an individual member or agency member who brought an ID card in which member ID information is recorded. ID card information is read from a payment terminal that has a built-in card reader and can be connected to the Internet, accepts applications for payment of used electronic money, determines whether payment is possible with the electronic money balance of the member, and immediately pays the payment terminal of the relevant store A payment terminal payment means is provided for transmitting the payment ID number together with the payment ID number to the machine, and updating the electronic money of the user member and registering it in the electronic money usage history file when there is a response of confirmation of use electronic money and acceptance of payment. It is characterized by that.

  Further, the sales compensation settlement means reads the electronic money usage history file for a predetermined deadline period, 1% for the individual member using the service, 3% for the agency member who is the introducer of the individual member, and the website administrator of the membership system. 3% of electronic money is calculated as a sales fee in the electronic money account, added to each member's electronic money balance, notified to the mobile terminal of each member, and at the same time, the remaining 93% of electronic money is stored in the bank account of the store member. Sales are converted into cash and processed for transfer.

  In addition, the electronic money registration means deposits a predetermined amount every month from a bank account of an individual member and an agency member by debiting the account, and adds and registers electronic money corresponding to the deposit amount to the member's electronic money account. Do

  According to the present invention, the advertisement of the store member's products and services is made by word of mouth on the Internet by the SNS operated by the membership system website.

  Furthermore, since the individual member and the agency member charge a certain amount of electronic money every month, the electronic money is surely consumed by continuously purchasing and using products and services of the store member.

  Furthermore, since sales commissions are distributed at a certain rate (3%) to the total amount of electronic money consumed by individual members who have been introduced to the agency members, electronic money income can be obtained continuously. With this motivation (incentive), it is possible to increase the number of individual members who use electronic money with certainty. As a result, the total amount of electronic money used every month increases exponentially, and the participation of store members is promoted, and the range of stores and products that can be used by individual members is expanded, further increasing convenience.

  Embodiments of the present invention will be described in detail below. FIG. 1 is a configuration diagram of a membership-based Web electronic money site management system according to the present invention.

A member-based Web electronic money site management system 100 shown in FIG. 1 purchases a certain amount of electronic money every month, and purchases and uses merchandise from a store member's virtual store or stores and restaurants / services. Mobile terminal 1 of
Mobile terminal 2 of an agency member who conducts agency activities for recruiting individual members and store members and soliciting membership registration on the membership system website;
The store information is disclosed on a member-based website, the mobile terminal 3a of the store member that provides products and services to the individual member and the agency member, and makes payment with electronic money, and the card reader provided in the store It consists of a payment terminal 3b and a membership Web electronic money site management computer 50 connected to those terminals via the Internet 5.

  The payment terminal 3b of the store member can be constituted by a card reader that reads the member's ID card and a personal computer that reads the input signal of the card reader and transmits it via the Internet, but is a dedicated terminal having an Internet connection function It may be a machine.

  The membership-based Web electronic money site management computer 50 includes a Web server 10 that transmits a home page 11 in response to access from a mobile phone and a personal computer, a management server 20 that includes each means for performing management work, The database server 40 is registered and updated by business.

  The management server 20 includes an individual / agent member registration unit 21, a store member information registration unit 22, a store information registration / publication unit 23, a prepaid electronic money registration unit 24, a store information browsing point registration unit 25, The mail order reception processing means 26, the store payment processing means 27, the sales reward settlement means 28, the SNS management means 29, the mail simultaneous distribution means 30, and the questionnaire distribution analysis means 31 are provided at least.

  The database server 40 includes a member information file 41, a store information file 42, a product information file 43 for recording products and services sold at each store member's store and virtual store, and a member purchases at the store or virtual store. Alternatively, at least an electronic money usage history file 44 that records the usage history of consumed electronic money and a Web browsing history file 45 that records the history of browsing the homepage of the system by individual members and agency members are provided.

  FIG. 3 shows the structure of the member information file 41. The member information file 41 includes a member ID 41a, individual member, agency member, store member member classification, membership date, ID number, and member classification information 41b for recording an introduction member ID number, name, address, telephone number, and mail. Member basic information 41c for recording personal information including address, member password, bank account number, electronic money account information 41d for recording electronic money balance, provisional payment electronic money amount, etc., and Web for recording website usage history Site usage history information 41e is provided.

FIG. 4 shows the structure of the store information file 42. The store information file 42 includes a store ID 42a, store basic information 42b for recording information about the store location, map, business category, and store,
Store event information 42c such as sales, electronic money account information 42d for recording an electronic money balance, and Web site browsing history information 42e for recording a member who viewed a homepage of a store viewed by a member.

  Next, the operation of each means provided in the management server 20 of this system will be described in detail.

  The individual / agent member registration means 21 responds to access from the mobile terminal 1 of the individual member who wishes to join and the mobile terminal 2 of the agent member, and assigns a unique member ID number to the member information file 41. It is a means to register.

  The store member information registering means 22 is a means for assigning a unique member ID number and registering it in the member information file 41 in response to access from the portable terminal 3a of the store member wishing to join.

  The store information registration / disclosure means 23 inputs store pictures, service menus, and product information provided by store members from the management terminal 13 and registers them in the store information file 42 and the product information file 43, and on the home page 11. It is a means for public disclosure.

  The prepaid electronic money registration means 24 is a means for renewing and registering the balance of electronic money in accordance with acceptance of electronic money purchase application from a member and advance payment by account transfer. A contract for automatic transfer to a bank account is entered into in advance, a member ID number and a deposit amount are input from the management terminal 13 based on an account transfer notification from the bank, and the electronic money balance of the member information file 41 is obtained from the data. Update.

  The store information browsing point registration means 25 is a means for giving points to the individual members and agency members who browse the store information on the home page 11, and points to the electronic money balance in the member information file 41 of the browsed individual members and agency members. The electronic money is added and recorded as a browsing history in the Web browsing history file 45, and is registered in the electronic money usage history file 44 as an advertising expense burden for the store member. This electronic money point is borne by the store member of the browsed home page 11 as an advertising expense.

  The mail order reception processing means 26 is a means for receiving a product / service request at a virtual store from a member and providing a product service, and to the home page 11 from the mobile terminal 1 of the individual member or the mobile terminal 2 of the agency member. In response to the access, the product / service information is displayed on the portable terminal, and when the product / service is selected, it is determined whether or not the electronic money balance in the member information file 41 can be purchased. The electronic money is deducted from the balance, and the product / service order / shipment mail is sent to the mobile terminal 3a of the store member, and the order acceptance mail is sent to the mobile terminal 1 of the individual member who ordered or the mobile terminal 2 of the agency member. Next, when the store member's mobile terminal 3a or the store member's payment terminal 3b receives the shipping notification of the goods / services, the temporary payment electronic money is received by the store member. It is registered in the electronic money usage history file 44 as well as added to the electronic money account.

  FIG. 2 shows the configuration of the store payment processing means 27. The store payment processing unit 27 includes a portable terminal settlement unit 27a and a settlement terminal settlement unit 27b.

  The mobile terminal settlement means 27a is a means for performing payment acceptance processing with electronic money for services such as merchandise purchase and eating and drinking at a store member store, and is used from the mobile terminal 1 of an individual member or the mobile terminal 2 of an agency member It accepts the store member ID number and the payment request for the electronic money used, reads the electronic money balance in the member information file 41, determines whether payment is possible, and subtracts it from the balance as temporary payment electronic money when payment is possible. The settlement ID number and the settlement e-mail indicating the settlement electronic money amount are transmitted to the mobile terminal 3a or the settlement terminal 3b of the store member, and the settlement ID number and the used electronic money are transmitted from the store terminal mobile terminal 3a or the settlement terminal 3b. The response of confirmation and payment approval is accepted, the electronic money balance in the member information file 41 of the user member is updated, and the electronic money usage history file 44 is registered. To.

  In this settlement, the user receives the amount of electronic money used for the purchased product or service at the store's payment register, and displays the ID number of the payee's store and the amount of electronic money used on the electronic money payment screen of his mobile terminal. Enter and send a payment request.

  The store member receives the settlement permission mail that is sent immediately in response to the access of the user member, confirms the settlement ID number and the amount of electronic money used, and sends an approval mail to settle the electronic money. Can receive.

  Further, the settlement terminal settlement means 27b is provided in the store of the store member when there is a request for settlement of electronic money for use of goods / services from an individual member or agency member who brought an ID card in which member ID information is recorded. ID card information is read from a payment terminal that has a built-in card reader and can be connected to the Internet, accepts applications for payment of used electronic money, determines whether payment is possible with the electronic money balance of the member, and immediately pays the payment terminal of the relevant store When the payment is accepted together with the payment ID number to the machine 3b, and when there is a confirmation of use electronic money and a payment acceptance approval, the use member's electronic money is updated and registered in the electronic money use history file.

  The sales remuneration settlement means 28 reads the electronic money usage history file for the predetermined deadline period, 1% for the individual member using the service, 3% for the agency member who is the introducer of the individual member, and the electronic money of the membership system website administrator. 3% of electronic money is calculated as a sales fee in the account, added to each member's electronic money balance, notified to the mobile terminal of each member, and at the same time, the remaining 93% of electronic money sales in the bank account of the store member This is a means for carrying out a transfer process in terms of cash.

  The SNS management means 29 is a means for opening a SNS (Social Networking Service) bulletin board, registering, and managing browsing history.

  The simultaneous mail delivery means 30 accepts advertisements from the store members, and sends notification mails to all members or member profiles or members' Web browsing history files 45 and electronic money usage history files 44 to members who satisfy specific conditions. It is means to do.

  The questionnaire distribution analysis means 31 distributes the questionnaire to the mobile terminal 1 of the individual member or the mobile terminal 2 of the agency member based on the purpose of investigating the request of the member of the system or the request from the store member, and the reply It is a means to accept and analyze.

It is a block diagram of the membership system Web electronic money site management system of this invention. It is a block diagram of a store payment processing means. It is a block diagram of a member information file. It is a block diagram of a store information file.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Personal member mobile terminal 2 Agent member mobile terminal 3a Store member mobile terminal 3b Payment terminal 5 Internet 10 Web server 11 Home page 12 LAN
DESCRIPTION OF SYMBOLS 13 Management terminal 20 Management server 21 Individual / agent member registration means 22 Store member information registration means 23 Store information registration / publication means 24 Prepaid electronic money registration means 25 Store information browsing point registration means 26 Mail order acceptance processing means 27 Store payment processing means 27a mobile terminal payment means 27b payment terminal payment means 28 sales reward payment means 29 SNS management means 30 simultaneous mail distribution means 31 questionnaire distribution analysis means 40 database server 41 member information file 41a member ID
41b Membership classification information 41c Member basic information 41d Electronic money account information 41e Website usage history information 42 Store information file 42a Store ID
42b Store Basic Information 42c Store Event Information 42d Electronic Money Account Information 42e Web Site Browsing History Information 43 Product Information File 44 Electronic Money Usage History File 45 Web Browsing History File 50 Membership Web Electronic Money Site Management Computer 100 Membership Web Electronic Money Site Management system

Claims (5)

A membership-based Web electronic money site management system that provides a settlement service using SNS (Social Networking Service) and membership-based electronic money via a mobile phone website,
A mobile device of an individual member who purchases a certain amount of electronic money every month and purchases or uses products from a store member's virtual store or stores and restaurants / services,
Mobile terminals of agency members that conduct agency activities to recruit individual members and store members, and solicit membership registration on the membership website,
A mobile terminal of a store member who provides store information in exchange for payment settlement with electronic money purchased by the individual member and agency member, and a payment terminal device provided in the store;
Each mobile terminal and payment terminal comprises a membership system website management computer connected via the Internet,
The membership system website management computer includes a web server having a homepage that can be displayed on a portable terminal, an individual / agent member registration unit for registering a member, a store member information registration unit for registering a store member, Accepting registration information for store members' products and services and advertisement / questionnaire registration, as well as store information registration / publication means to be disclosed on the homepage, accepting electronic money purchase application from members and prepaid by account transfer Prepaid electronic money registration means for renewing and registering the balance of electronic money, store information browsing point registration means for registering electronic money points to individual members and agency members who have browsed store information, and virtual store from members A mail order acceptance processing means for accepting merchandise / service requests and providing merchandise / services, and a store Store payment processing means for receiving payment with electronic money for services such as product purchases and eating and drinking at member stores, electronic money settlement for store members, agency members and individual members with payment of electronic money for sales and Sales reward settlement means for performing cash settlement, SNS management means for managing the browsing history of the SNS, mail simultaneous distribution means for simultaneously distributing advertisements from the store members as emails to individual members and agency members, A management server comprising at least questionnaire distribution analysis means for performing distribution and answer analysis of questionnaires from store members;
A membership system comprising a database server that records at least a member information file, a store information file, a product information file, an electronic money usage history file, and a Web browsing history file registered and updated by each means. Web electronic money site management system.   The store payment processing means accepts the ID of the store used and the application for electronic money to be used from the mobile terminal of the member, determines whether payment is possible with the electronic money balance of the member, and immediately stores the mobile terminal of the store member of the user store If the settlement ID number and the payment ID number, the confirmation of the use electronic money and the payment acceptance approval are received from the mobile terminal of the store member, the electronic money balance of the use member is updated and the electronic money is updated. 2. The membership system Web electronic money site management system according to claim 1, further comprising mobile terminal settlement means for registering in the usage history file.   The store payment processing means, when there is a request for settlement of electronic money for use of goods / services from an individual member or agency member who brought an ID card in which member ID information is recorded, the card provided in the store of the store member Read the ID card information from a payment terminal with a built-in reader and connect to the Internet, accept the payment application for the electronic money used, determine whether payment is possible with the balance of the electronic money of the member, and immediately enter the payment terminal of the user shop It is provided with a settlement terminal settlement means for transmitting settlement permission information together with the settlement ID number and, when there is a response of confirmation of use electronic money and approval of payment acceptance, to update the electronic money of the use member and register it in the electronic money use history file. The membership-based Web electronic money site management system according to claim 1.   The sales remuneration settlement means reads the electronic money usage history file for a predetermined deadline period, 1% for the individual member using the service, 3% for the agency member who is the introducer of the individual member, and the electronic money of the membership system website administrator. 3% of electronic money is calculated as a sales fee in the account, added to each member's electronic money balance, notified to the mobile terminal of each member, and at the same time, the remaining 93% of electronic money sales in the bank account of the store member The membership system Web electronic money site management system according to claim 1, wherein the transfer process is performed by converting into cash.   The electronic money registration means deposits a predetermined amount every month from a bank account of an individual member and an agency member by debiting the account, and registers electronic money corresponding to the deposited amount in the electronic money account of the member. 1. A membership-based Web electronic money site management system according to 1.

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