JP2010152752A - Information providing system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a user of a credit card with various information according to the current location of each user. <P>SOLUTION: When receiving information on credit inquiry from a storage terminal 20, an information management server 10a makes a response on credit to the store terminal 20, and transmits acceptance information including the identification information of each user and store to an information providing server 10b (procedure 1). When receiving the acceptance information on inquiry from the information management server 10a, the information providing server 10b extracts the store information of a predetermined store located near the store corresponding to the received identification information from the store DB 13 (procedure 2). The information providing server 10b generates electronic mail on the basis of the extracted store information, and transmits it to the mail address destination of the user corresponding to the received identification information (procedure 3). <P>COPYRIGHT: (C)2010,JPO&INPIT

Description

  The present invention relates to a system for providing information, and more particularly to processing for providing predetermined information to a user who uses a credit card at a predetermined timing.

<Conventional example 1>
There is known a service for notifying a user who uses a predetermined credit card of usage details by e-mail (for example, see Non-Patent Document 1).
On the Web page that posts the contents of the service, by sending an e-mail after the card usage information is registered with the card company, the usage details will be sent before the usage statement arrives (the day after the card usage date at the shortest). It is described that confirmation is possible (see Non-Patent Document 1). The configuration and processing procedure of the system that provides the service are also disclosed (see FIGS. 1, 12, 13, and so on in Patent Document 1).

<Conventional example 2>
There is known a service that gives an extra point to a user who uses a predetermined credit card in a predetermined store (store that is developed in the real world) (for example, see Non-Patent Document 2).
In the Web site that provides the service, store information can be searched from (a) area, (b) genre, (c) area and genre, and displayed as a list (see Non-Patent Document 3). .

<Conventional example 3>
There is a known campaign for doubling points normally given to a user who uses a predetermined credit card in a plurality of target services (services provided on the Internet) during a predetermined period (for example, non-patent literature) 4).
For example, a Web page on which information such as detailed rules of the campaign is posted describes that a privilege is given to the user under the conditions shown in Table 1 (see Non-Patent Document 5). The “service” in this campaign is a category of business carried out on the Internet, such as online shopping mall service, accommodation reservation service, air ticket reservation service, book sales service, mobile service, golf course reservation service.

<Conventional example 4>
A service is known in which a map is created based on a URL parameter transmitted by a standard HTTP request and returned as an image that can be displayed on a web page (see, for example, Non-Patent Document 6). A map API for using the service is also disclosed (same as above).
If the URL including the parameter is embedded in the src attribute of the <img> tag, the service returns a GIF format image in response to the HTTP request via the URL. In each request, for example, it is possible to specify a map range, an image size, a zoom level, a map type (including a mobile terminal), and an arrangement of an optional marker at a specific position on the map. It is also possible to label the markers using alphabetic characters and explain them with headings.

<Conventional Example 5>
A mechanism is known in which position information (latitude, longitude, altitude) and an address are mutually converted (for example, see Patent Document 2).
For example, if the data corresponding to the position information and the address is stored, the address can be read based on the position information when necessary, or the position information can be read based on the address. 0003] to [0006] / [0013], drawings [FIG. 2] / [FIG. 5], etc.).

<Conventional Example 6>
A mechanism is known in which a user who uses a predetermined credit card is notified of the usage contents at an early stage by e-mail (for example, see Patent Document 3).
For example, if there is processing (so-called authorization) for approving credit in response to an inquiry about credit approval or not, if an email is distributed by night batch processing based on the information related to the approval, compared to the service of Conventional Example 1 above The usage content can be confirmed at an earlier time (see FIG. 2, FIG. 14, FIG. 15, etc.). Further, if the frequency of batch processing is increased or processing is performed in real time, it becomes possible to notify the usage contents of the card at an earlier time (see the same specification [0040], [0050]).

JP 2007-213491 A JP 05-313583 A JP 2008-276499 A Rakuten Inc., “Rakuten Card”, [online], Internet <URL: https://card.rakuten.co.jp/doc/safety.html> Rakuten KC Co., Ltd., “Point member store service”, [online], Internet <URL: http://www.rakuten-kc.co.jp/p/kc-net/shop/> Rakuten, “Point member store service”, [online], Internet <URL: http://p-store.rakuten.co.jp/> Rakuten Inc., “Rakuten PointClub Pon! Kang! Strategy”, [online], Internet <URL: https://ponkan.point.rakuten.co.jp/> Rakuten Inc., “Rakuten PointClub Pon! Kan! Campaign Rules”, [online], Internet <URL: https://ponkan.point.rakuten.co.jp/doc/rule.html> Google, Inc., “Google Static Maps API”, [online], Internet <URL: http://code.google.com/apis/maps/documentation/staticmaps/>

While a store (a store developed in the real world) inquires of a credit card company about whether or not credit is available, a user who wants to use a card usually waits in the store.
Therefore, the card company that has received the inquiry about whether or not the credit is accepted from the store can supplement the fact that the specific user exists in the store in real time.

  The problem to be solved by the present invention is to provide various information according to the current position of each user to the credit card user.

  In order to solve the above problems, the present invention provides a communication network comprising an information management server that manages information relating to a credit card, and an information providing server that provides information relating to a store where the card can be used to a user holding the card. An information providing server of the information providing system connected via the user information storage means for storing user information including at least the identification information of the user and a mail address for the mobile terminal of the user; and the store A store information storage means for storing store information including at least the identification information, the store name, and the geographical information related to the store, and the information management server is installed in the store. Triggered by the receipt of credit approval inquiry information via a communication line, the identification information of the user who uses the card and the card Reception information including at least reception information including the identification information of the store where the store is used from the information management server, and the geographical location of the store corresponding to the received identification information stored in the store information storage unit Store information extracting means for extracting from the store information storage means store information of one or a plurality of stores located within a predetermined range having a position corresponding to the geographical information of the store as a base position using at least information; And e-mail transmitting means for generating an e-mail describing at least the name of the store related to the extracted store information and transmitting it to the e-mail address of the user corresponding to the received identification information stored in the user information storage means It is characterized by providing.

The geographical information stored in the store information storage unit is store location specifying information for specifying the location of the store, and the store information extracting unit uses the store location specifying information to determine a predetermined location from the base position. You may extract the shop information of the shop located in the distance range.
The e-mail transmission means calculates the distance between the location of the store related to each of the extracted store information and the base position using the store location specifying information, and describes the e-mail together with the name of each store May be.
The e-mail transmission means obtains link information to a web page on which at least a map image of a predetermined range including the location of a store related to the extracted at least one store information is provided, the name of the store or this and the distance. It may be described in the e-mail instead of the group or together with the name or the group.

It further has condition information storage means for storing condition information including at least a condition for granting benefits for the use of the credit card, and the store information extracting means further uses the privilege granting condition stored in the condition information storing means. 1 within the predetermined range with the position corresponding to the geographical information of the store where the card is used as a base point, and satisfying the privilege grant condition in relation to the store where the card is used Alternatively, store information of a plurality of stores may be extracted from the store information storage means.
The user information stored in the user information storage means further includes history information indicating a history of use of the credit card by the user, and the store information extraction means stores the received information stored in the user information storage means The history information of the user corresponding to the identification information is further used, and one or a plurality of stores satisfying the privilege granting condition in relation to the store where the card is used and any store where the card has been used. Store information may be extracted from the store information storage means.
The store information stored in the store information storage means further includes group identification information for identifying a group into which the stores are classified, and the privilege granting conditions stored in the condition information storage means include the card in the same group. It is a condition that a predetermined privilege is given according to the number of stores used, and the store information extraction unit may further use the group identification information when determining whether or not the privilege granting condition is satisfied. .
The store information stored in the store information storage means further includes genre identification information for identifying the genre into which the stores are classified, and the privilege granting condition stored in the condition information storage means is the previous store using the card. The store information extracting means further uses the genre identification information when determining whether or not the privilege granting condition is satisfied. May be.
The store information stored in the store information storage means further includes a point member store flag indicating whether or not it is a point member store corresponding to the grant of points, and the privilege granted for the use of the card is a card The store information extracting means stores the store information without using the condition information when the store corresponding to the received identification information is not a point member store. May be extracted.

  The user information stored in the user information storage means further includes an information provision acceptance flag indicating whether or not provision of predetermined information by electronic mail is accepted, and the store information extraction means includes the received identification information in the received identification information. When the corresponding user information provision approval flag is not set, the store information may not be extracted.

  In order to solve the above problem, the present invention communicates between an information management server that manages information related to a credit card and an information providing server that provides information about a store where the card can be used to a user who holds the card. An information providing method by an information providing server of an information providing system connected via a network, wherein the information providing server includes at least the identification information of the user and a mail address for the user's mobile terminal User information storage means for storing information, store information storage means for storing store information including at least the store identification information, the store name, and geographical information related to the store, Triggered by the fact that the information management server has received the inquiry information about the credit availability from the CAT terminal installed in the store via the communication line A reception information receiving step for receiving from the information management server reception information including at least the identification information of the user who uses the card and the identification information of the store where the card is used; Store information of one or a plurality of stores located within a predetermined range having a position corresponding to the geographical information of the store as a base position using at least the geographical information of the store corresponding to the received identification information. The store information extracting step that is extracted from the store information storage means, and an e-mail that describes at least the name of the store related to the extracted store information is generated, and the received identification information stored in the user information storage means A mail transmission step of transmitting to a corresponding user's mail address.

  A program for causing a computer to realize the functions of any of the information providing servers described above as a function is also the present invention.

In order to solve the above problem, the present invention provides an information management server that manages information related to a credit card and a search server that provides the information management server with information related to a store that can use the card via a communication network. The information management system is connected to a CAT terminal installed in the store via a communication line, and the card identification number and the user who holds the card A user information storage unit that stores user information including at least a mail address for the mobile terminal, and a reference information receiving unit that receives, from the CAT terminal, inquiry information about credit availability including at least the identification information of the card; Reception information transmitting means for transmitting reception information including at least identification information of a store where the card is used to the search server; Receiving mail data from a search server, generating an e-mail, and sending a mail to a user's mail address corresponding to the received identification number, the search server including the store identification information; Receiving information receiving means for receiving the receiving information from the information management server, store information storing means for storing store information including at least the name of the store and geographical information related to the store; At least one of the geographical information of the store corresponding to the received identification information stored in the information storage means, and located within a predetermined range having a position corresponding to the geographical information of the store as a base position Mail using at least the store information extracting means for extracting store information of a plurality of stores from the store information storage means and the names of the stores related to the extracted store information It generates over data, characterized by comprising a write data transmission means for transmitting to the information management server.
The information management server constituting the information providing system is also the present invention.

  In order to solve the above-mentioned problem, the present invention is an information management server for managing information related to a credit card and providing information regarding a store where the card can be used to a user who holds the card. User information storage means for storing user information that is connected to a CAT terminal installed in a network via a communication line and includes at least the identification number of the card and a mail address for the mobile terminal of the user holding the card And store information storage means for storing store information including at least the store identification information, the store name, and geographical information related to the store, the store identification information, and the card A reference information receiving means for receiving from the CAT terminal inquiry information including at least an identification number of the credit information and the store information storage means. Store information of one or a plurality of stores located within a predetermined range having a position corresponding to the geographical information of the store as a base position using at least the geographical information of the store corresponding to the received identification information. An e-mail is generated using at least the store information extracting means extracted from the store information storage means and the name of the store related to the extracted store information, and transmitted to the user's e-mail address corresponding to the received identification number. And a mail transmission means.

When the information providing server of the present invention receives the inquiry acceptance information from the information management server triggered by the information management server receiving the credit permission inquiry information from the store, the user's mobile terminal e-mail address, An e-mail describing information related to the location of the store is transmitted.
Therefore, if the information providing server is configured by connecting the information providing server of the present invention to the information management server, various information can be provided to the credit card user according to the current position of each user. .

<Definition>
The meanings of the terms used in the following description are as defined below.
・ Stores: Bases that sell products or provide services in the real world. Does not include virtual shops on the Internet.
・ Point: Data indicating monetary value.
-Benefits: Benefits returned to users. It is given to users by giving points, giving gifts, granting rights, etc.

-Geographic information: information on locations closely related to the store. In addition to information for identifying the location of the store (latitude / longitude or address), information for identifying the nearest station of the location (station name code or station name) and area classification (for example, around Shibuya Station, This is a concept including information indicating the vicinity of Shinjuku Station, Ikebukuro Station, and the like.
Group: A unit of a combination of stores that satisfies the conditions for granting a privilege.
・ Genre: Unit of store classification based on products sold or services provided.

<Contents>
[1. Outline of system of embodiment]
[1-1. System overview]
[1-2. Service Overview]
[1-3. Main features]
[2. Details of System of Embodiment]
[2-1. Information management server]
[2-2. Information server]
[2-3. Database]
(A) Card DB (b) User DB (c) Store DB (d) Service DB
[2-4. Store terminal]
[2-5. User terminal]
[3. Information provision procedure by system of embodiment]
[3-1. Inquiry about credit availability]
[3-2. Notification of inquiry reception]
[3-3. Extraction of store information]
[3-4. Provision of store information]
[4. Modified example of the embodiment]
[4-1. Regarding system configuration and processing sharing]
(A) System configuration (b) Information provision procedure (c) Inquiry information (d) Reception information (e) Others [4-2. Regarding the information and store extraction conditions stored in the DB]
(A) [Condition A] (b) [Condition B]
(C) Benefit granting conditions (d) Point member store flag [4-3. Others]
(A) Information provision mode (b) Information to be provided

<Embodiment>
[1. Outline of system of embodiment]
The outline of the system of this embodiment will be briefly described with reference to FIG.
The system of this embodiment is a system that provides an information providing service to at least one user who uses a credit card. In the following description, an example in which the service is provided to one user is used.

[1-1. System overview]
As shown in FIG. 1, the system according to the present embodiment as a whole includes an information management server 10 a that manages information related to credit cards, an information provision server 10 b that provides information provision services, a store terminal 20 installed in a store, and a user. It is comprised by the user terminal 30 to be used.
The information management server 10a has a card DB 11 that stores information related to credit cards. The information providing server 10b stores a user DB 12 that stores information related to a user who uses a credit card, a store DB 13 that stores information related to a store that can use the credit card, and information related to an information providing service. The service DB 14 is included.

The information management server 10a and the information providing server 10b are connected to each other via a communication line (in this embodiment, a dedicated line 40a), and cooperate with each other in providing an information providing service.
The store terminal 20 is a CAT (Credit Authorization Terminal) terminal used for credit permission inquiry and can be connected to the information management server 10a via a communication line (in this embodiment, a fixed telephone line network 40b).
The user terminal 30 is a mobile terminal having a wireless communication function, and can be connected to the information providing server 10b via a communication network (in this embodiment, the mobile phone network 40d and the Internet 40c).

[1-2. Service Overview]
The information providing service is a service that provides various information (for example, usage details of credit card, advertisement information, useful information, etc.) to a credit card user.
The information providing service is provided by the information providing server 10b to a user who uses the user terminal 30 via a communication network (in this embodiment, the Internet 40c and the mobile phone network 40d).

[1-3. Main features]
In the information providing service, the information providing server 10b provides information to the user through the following [Procedure 1] to [Procedure 3] in cooperation with the information management server 10a.
As in [Procedure 1] to [Procedure 3] below, by sending an e-mail to the user terminal 30 immediately after receiving the credit permission inquiry information from the store terminal 20, the user of the credit card is notified of each user. Various information can be provided according to the current position.
The following [Procedure 1] to [Procedure 3] correspond to the processes of the “information management server” and the “information providing server” in FIG. Details of the processing will be described later.

[Procedure 1] When the information management server 10a receives the inquiry information about the credit availability from the store terminal 20 (S310b in FIG. 3), the information management server 10a replies the credit availability to the store terminal 20 (S320b in FIG. 3). The reception information including each store identification information is transmitted to the information providing server 10b (S330b in FIG. 3).
[Procedure 2] Upon receiving the inquiry acceptance information from the information management server 10a (S330c1 in FIG. 3), the information providing server 10b obtains store information of a predetermined store located around the store corresponding to the received identification information. It extracts from store DB13 (S505-S535 of FIG. 5).
[Procedure 3] The information providing server 10b generates an e-mail based on the extracted store information (S340c1 in FIG. 3) and transmits it to the user's e-mail address corresponding to the received identification information (S350c in FIG. 3). .

[2. Details of System of Embodiment]
The hardware constituting the system of the present embodiment will be described in detail with reference to FIGS.
Here, parts necessary for providing the information providing service will be mainly described. In particular, the contents of information stored in each DB (card DB 11, user DB 12, store DB 13, and service DB 14) will be described in detail.

[2-1. Information management server]
In FIG. 1, an information management server 10a is a server that manages information related to a credit card. In the present embodiment, it is assumed that the operator is in charge of the business of acquiring the member store or the business operator acting on behalf of the information processing (in FIG. 1, these are called “acquirers”).
The information management server 10a performs processing related to the use of a credit card and the like. For example, the information management server 10a uses information stored in the card DB 11 as appropriate to receive credit approval processing (receive credit inquiry information from the store terminal 20 and return credit approval to the store terminal 20) ) And processing related to sales billing.

[2-2. Information server]
In FIG. 1, an information providing server 10b is a server that provides an information providing service. In the present embodiment, it is assumed that the operator who is in charge of the business of issuing the card to the customer or the operator who performs the information processing (in FIG. 1, these are referred to as “Issuer”).
The information providing server 10b performs processing such as e-mail generation / transmission. For example, the information providing server 10b can read out necessary information stored in the DBs 12 to 14, generate an e-mail, and transmit the e-mail to the user terminal 30.

[2-3. Database]
In FIG. 1, DBs 11 to 14 are databases that store information necessary for providing an information providing service.
Each of the DB 11 and the DBs 12 to 14 constitutes a database management system (DBMS) and provides various types of information according to requests. For example, the DBs 11 to 14 can read and provide information that satisfies a condition in response to a request from the information management server 10a or the information providing server 10b.
Here, an example is shown in which the DB 11 is constructed in an external storage device connected to the information management server 10a. However, if the stored information can be read out, the storage device built in the information management server 10a is used. May be built. Similarly, an example in which the DBs 12 to 14 are constructed in an external storage device connected to the information providing server 10b is shown, but if the stored information can be read, the storage device built in the information providing server 10b May be built.

[(A) Card DB]
In FIG. 1, a card DB 11 is a database capable of storing information related to a credit card. In this embodiment, it is assumed that a plurality of pieces of card information and member store information are stored.
The card information and the member store information are generated based on, for example, contracts between the user and the credit card company and between the store and the credit card company, and are changed as necessary.

FIG. 2A shows main items of card information. FIG. 2A shows card information corresponding to one card usage contract.
In FIG. 2A, the “card number” is an identification number unique to each credit card. The “expiration date” is the last day (last month) of the period during which the card can be used. “Usage limit” is a credit limit per month for a user holding the card. “Creditable amount” is the remaining credit limit for the user who holds the card, and the total value of the credit limit (credit reserve amount) secured as the amount used for the month is the above “credit limit”. It is equivalent to the amount deducted from. The “stolen / lost flag” is a flag indicating whether or not the use of the card is stopped due to a predetermined circumstance (for example, theft of the card, loss of the card, etc.). The flag is set when the card is stopped.

FIG. 2B shows main items of member store information. FIG. 2B shows card information corresponding to one membership contract.
In FIG. 2B, the “member store number” is a number unique to each member store. “Telephone number” is the phone number of the member store.

Note that the card information includes information on each user. The member store information includes information on each store.
In addition, the card DB 11 stores information related to credit approval processing, information related to sales billing processing, and the like.

[(B) User DB]
In FIG. 1, a user DB 12 is a database capable of storing at least one piece of user information. In this embodiment, it is assumed that a plurality of pieces of user information are stored.
The user information is generated based on, for example, a registration application for an information providing service by a user holding a credit card. For example, by periodically synchronizing with the card information (described above), the card information may be changed appropriately as the item of the card information is changed.

FIG. 2C shows main items of user information. FIG. 2C shows user information corresponding to one user.
In FIG. 2C, “user ID” is identification information unique to the user of the information providing service. The “card number” is the credit card number of the user, and the card information (described above) is associated with the user information. “Mail address” is a mail address for the user terminal 30 used by the user.
Similarly, in FIG. 2C, an “information provision consent flag” is a flag indicating whether or not the user has consented to the provision of advertisement information. “Usage history” is a transaction ID corresponding to a transaction that the user uses a credit card, and associates transaction information (described later) with the user information.

The “mail address” included in the user information includes not only the mail address of the mobile terminal but also a mail address that can be used on a personal computer or the like. When the latter is stored, it is assumed that each user is set to transfer an e-mail addressed to the e-mail address to the e-mail address of the user terminal 30 in real time. In short, it is only necessary that the user can receive e-mail in real time by the user terminal 30.
In addition, it is assumed that the user DB 12 stores point information (for example, the number of owned points).

[(C) Store DB]
In FIG. 1, the store DB 13 is a database capable of storing at least one store information. In this embodiment, it is assumed that a plurality of pieces of store information are stored.
Store information is produced | generated based on the registration application to the object store of the information provision service by a member store, for example. For example, by periodically synchronizing with the member store information (described above), the member store information may be changed as appropriate according to the change of the item of the member store information.

FIG. 2D shows main items of store information. FIG. 2D shows store information corresponding to one store.
In FIG. 2D, “Store ID” is identification information unique to the target store of the information providing service. The “member store number” is the member store number of the store, and associates the store information (described above) with the store information. “Name” is a character string for making it easy to identify the store. In addition to the official name of the store (trade name, name, etc.) or its abbreviation, a catch phrase indicating the characteristics of the store is added to these. It may be a character string.

Similarly, in FIG. 2D, “geographic information” is information on a position closely related to the store (see <Definition> above). In the present embodiment, latitude / longitude for specifying the location of the store is stored. An address for specifying the location of the store may be stored and converted into latitude / longitude as necessary (see <Conventional Example 5> above).
Similarly, in FIG. 2D, the “point member store flag” is a flag indicating whether or not the store is a point member store corresponding to the grant of points. “Group ID” is identification information of a group to which the store belongs. “Detailed page URL” is the URL of a Web page where detailed information related to the store is posted.

[(D) Service DB]
In FIG. 1, the service DB 14 is a database capable of storing information related to the information providing service. In the present embodiment, it is assumed that the condition information and a plurality of transaction information shown in Table 2 are stored. The privilege granting condition is a condition for granting points to the user according to the use of the credit card.
The condition information is generated based on, for example, a project implementation plan, and is sequentially added as necessary. The transaction information is generated every time the information providing server 10b receives the reception information (FIG. 4B described later) from the information management server 10a.

FIG. 2E shows main items of the condition information. FIG. 2E shows condition information corresponding to one privilege grant condition.
In FIG. 2E, “condition ID” is identification information unique to each condition. “Name” is a character string that makes it easy to determine the condition. “Content” is the content of the condition. The “application period” is a period during which the condition is applied. When there is no limitation on the period, for example, information indicating “indefinite” is stored. “Detailed page URL” is the URL of a Web page on which detailed information related to the condition is posted.

FIG. 2F shows main items of transaction information. FIG. 2F shows transaction information corresponding to one transaction using a credit card.
In FIG. 2F, “transaction ID” is identification information unique to each transaction. “Transaction date and time” is the date and time when the transaction was completed (the date and time when the credit related to the transaction was approved). “User ID” is a user ID of a user who is one party of the transaction, and associates the user information (described above) with the transaction information. “Store ID” is a store ID of a store which is one party of the transaction, and associates store information (described above) with the transaction information.

[2-4. Store terminal]
In FIG. 1, a store terminal 20 is a terminal installed in a store. In the present embodiment, an existing CAT terminal that can be connected to the information management server 10a via the fixed telephone line network 40b is used.
The store terminal 20 has a function of communicating with the information management server 10a and inquiring credit permission or not when, for example, a store clerk inputs an amount, passes a credit card, and selects a payment method. As a premise, the credit card is of a magnetic stripe type.

The credit card type may be, for example, an IC chip embedded. Moreover, it is not limited to the card type, and may be one using an IC chip embedded in a mobile phone (so-called mobile credit).
In these cases, the information management server 10a stores the identification number of the IC chip in the user DB 12 instead of the card number as an item of the card information (FIG. 2A). Further, the store terminal 20 transmits the identification information of the IC chip instead of the card number to the information management server 10a as an item of the inquiry information (FIG. 4A described later).
In addition, as long as it has the same function, it may be integrated with a register (register).

[2-5. User terminal]
In FIG. 1, a user terminal 30 is a terminal used by a user. In the present embodiment, an existing mobile terminal (for example, a mobile phone, a smartphone, a PDA, etc.) having a wireless communication function is used.
The user terminal 30 has a mailer or Web browser function, and can receive and display electronic mail. The information providing service is premised on receiving an e-mail in real time. Therefore, the mailer or web browser preferably has a function of automatically receiving an e-mail from a mail server (not shown).

[3. Information provision procedure by system of embodiment]
The information provision procedure by the system of this embodiment will be described in detail with reference to FIGS. 3 to 7 (particularly, the sequence chart of FIG. 3 and the flowchart of FIG. 5).
The sequence chart of FIG. 3 and the flowchart of FIG. 5 are labeled with numbers of other drawings to be referred to. Please refer to the other drawings as necessary.

[3-1. Inquiry about credit availability]
When a user offers to use a credit card when making a payment at a store, the store clerk of the store performs a predetermined operation such as passing the user's card through the store terminal 20.
As shown in FIG. 3, at this time, the store terminal 20 transmits inquiry information about whether or not credit is possible to the information management server 10a, and requests approval of credit (S310a).

FIG. 4A illustrates main items of the inquiry information.
In FIG. 4A, “(Caller ID)” is the telephone number of the store where the store terminal 20 that transmitted the inquiry information is installed, and is not included in the inquiry information, but receives the inquiry information. It is an item that can be specified by. The “card number” is a card number related to the inquiry. The “credit approval request amount” is a credit frame that is required to be secured in the inquiry.

Returning to FIG. 3, when the information management server 10 a receives the inquiry information about the credit availability from the store terminal 20 (S 310 b), the information management server 10 a replies to the store terminal 20 about the credit availability (S 320 b). At this time, the store terminal 20 receives an answer from the information management server 10a (S320a).
If the credit is approved, the settlement using the credit card between the user and the store is completed, and the transaction is completed.

[3-2. Notification of inquiry reception]
Next, the information management server 10a transmits inquiry reception information to the information providing server 10b, and notifies that the inquiry about whether or not the credit is accepted (S330b). At this time, the information providing server 10b receives the inquiry acceptance information (S330c1).
When the information management server 10a determines that the credit cannot be approved, the information management server 10b instructs the information providing server 10b to provide only information on the card usage details (that credit approval has not been obtained) by e-mail. You may order. For example, if the credit approval request amount (Fig. 4 (a)) exceeds the usage limit or creditable amount (both Fig. 2 (a)), the theft and loss flag (Fig. 2 (a)) is set. It may be determined that the credit cannot be approved.
In addition, when it is determined that the credit cannot be approved, the reception information may not be transmitted to the information providing server 10b. In this case, the subsequent procedure is not executed and no information is provided to the user.

FIG. 4B illustrates main items of the reception information.
In FIG. 4B, the “approval date / time” is the date / time when the credit is approved in response to the credit permission inquiry. “User identification information” is identification information of a user who uses a card. “Store identification information” is identification information of a store where a card is used.
In the present embodiment, the user identification information and the store identification information are a card number and a member store number, respectively, but may be a user ID and a store ID, respectively. In addition, when transmitting user ID and store ID as an item of reception information, user ID and store ID are stored in card information (FIG. 2 (a)) and member store information (FIG. 2 (b)), respectively. It is a prerequisite.

[3-3. Extraction of store information]
Proceeding to FIG. 5, subsequently, the information providing server 10 b executes the following [Process 1] to [Process 4] search processing to extract store information (S505 to S535).
The information providing server 10b generates transaction information (FIG. 2 (f)) based on the received reception information in parallel with the following [Process 1] to [Process 4] or after the completion of these processes. Assume that it is stored in the service DB 14.

[Process 1]
User information of a user (user using a card) corresponding to the user identification information (FIG. 4B) received as the reception information item is read (S505), and whether or not advertisement information can be provided to the user is determined. Determination is made (S510). Specifically, it is determined whether or not an information provision consent flag is set.
When the advertisement information can be provided (Yes in S510), the process proceeds to [Process 2] below. On the other hand, when the advertisement information cannot be provided (No in S510), the store information extraction process is not executed, and an e-mail is generated (S340c1 in FIG. 3).

[Process 2]
Store information of the store (store where the card is used) corresponding to the store identification information (FIG. 4B) received as the reception information item is read (S515), and whether or not the store is a point member store. Determination is made (S520). Specifically, it is determined whether or not a point member store flag is set.
When the store is a point member store (Yes in S520), the process proceeds to [Process 3A] below. On the other hand, when the store is not a point member store (No in S520), the process proceeds to [Process 3B] below.

[Process 3A]
Condition information corresponding to the privilege granting condition to be applied is read from the service DB 14 (S525a). Specifically, the condition information corresponding to the privilege granting condition applied to the approval date and time included in the received reception information is read.
Subsequently, the store information extraction condition is generated using the privilege granting condition to be applied and the geographical information of the store (S530a). Specifically, the extraction conditions are [Condition A] and [Condition B] (FIG. 6A), and a character string (for example, a SQL SELECT statement) corresponding to an acquisition command for data satisfying this composite condition is generated. Proceed to [Process 4] below.
[Condition A] Belonging to the same group as the store where the card was used.
[Condition B] Located within a predetermined distance range (for example, within a straight distance of 500 m) with the position of the store where the card is used as a base point.

[Process 3B]
Considering only the geographical information of the store, a store information extraction condition is generated (S530b). Specifically, the extraction condition is only [Condition B] (FIG. 6B), and a character string (for example, a SQL SELECT statement) corresponding to a data acquisition command satisfying this condition is generated. Proceed to
[Condition B] Located within a predetermined distance range (for example, within a straight distance of 500 m) with the position of the store where the card is used as a base point.

[Process 4]
The generated acquisition command is executed, and store information that satisfies the extraction condition is extracted from the store DB 13 (S535). Here, only store information in which the point member store flag is set is extracted.
Specifically, the “group ID” of each store stored in the store DB 13 is used to narrow down store information that satisfies the above [Condition A]. Further, the “geographic information (location)” of each store stored in the store DB 13 is used to narrow down the store information that satisfies the above [Condition B].

For example, in the above [Process 3A], the relational expression of the circle as the boundary is derived using the latitude (Y ₀ ) and longitude (X ₀ ) of the position as the base point, and each store narrowed down by the above [Condition A] It is determined whether or not the latitude (Y _i ) / longitude (X _i ) of the location of the information (1 to i (i is a natural number)) is included in the inner region of this circle.
[Condition A] and [Condition B] may be processed in reverse order. However, if processing efficiency is taken into consideration, it is preferable to perform the narrowing process of [Condition A] first. On the other hand, in the [Process 3B], only the [Condition B] has to be considered.

[3-4. Provision of store information]
Returning to FIG. 3, the information providing server 10 b determines the necessary items of the extracted store information (store name / URL in this embodiment) and other information (credit card usage details, privilege granting conditions, application timing, An e-mail is generated based on the URL or the like (S340c1), and is transmitted to the user's e-mail address corresponding to the received user identification information (FIG. 4B) as the received information item (S350c).
When receiving the electronic mail from the information providing server 10b (S350d), the user terminal 30 displays the received electronic mail according to the user's operation (S360d).

FIG. 7 illustrates an e-mail displayed on the user terminal 30.
The e-mail 700 includes a source mail address field 710, a subject field 720, and a text field 730. In the text column 730, credit card usage information 731 and advertisement information 732 of other stores are described.

The store advertisement information 732 includes, for example, the following items.
(A) Store information 733a-c related to the extracted store information (here, name, linear distance from the location of the store where the card was used (ie, the current location of the user using the card), URL of the detail page )
(B) URL 734 of a web page that displays a map around the store where the card was used
(C) Application period 735 of privilege granting conditions (in this embodiment, a point granting campaign implementation period)
(D) URL 736 of the web page where the detailed information of the campaign is posted

Among the above items, the distance between the location of the store where the card is used and the location of other stores can be calculated based on geographical information (latitude / longitude).
In addition, for example, map data in a predetermined still image format is displayed on a Web page that displays a map around the store where the card is used. In this case, if the URL (designated as the src attribute of the <img> tag) specifying the map data (still image) is embedded with parameters such as the position (latitude / longitude) of each other store, the other Can be marked on the map data (see service and map API in <Conventional Example 4> above).

The e-mail 700 (FIG. 7) is a sentence example in the case of providing store information together with the usage details of a credit card. When providing store information separately from credit card usage details, for example, credit card usage information 731 is not described in the text.
Further, the e-mail 700 (FIG. 7) is a sentence example in the case where the privilege granting conditions are not considered in the store information extraction process. When the conditions for granting a privilege are taken into account, for example, the following sentence example may be inserted into the advertisement information 732 to alert the user.
・ "If you use a credit card at the following stores, you will be more likely to get extra points than usual."

[4. Modified example of the embodiment]
[4-1. Regarding system configuration and processing sharing]
In the above-described embodiment, the information providing server 10b executes processing for generating an e-mail and sending it to the user's e-mail address (see S340C1 to S350c (FIG. 3)).
On the other hand, the information management server 10a may execute an e-mail generation / transmission process. In this case, even if the information management server 10a executes all of the processing for extracting store information from the store DB 13 (S505 to S535 (FIG. 5)) and the e-mail generation / transmission processing (S340C1 to S350c (FIG. 3)). Good. Alternatively, the information management server 10a and another server device may be connected to cause the other server device to execute some processes.

[(A) Modification of system configuration]
FIG. 8 shows a modification of the system configuration.
The system configuration shown in FIG. 8 is a configuration that assumes that the information management server 10a executes e-mail generation / transmission processing, and causes the search server 10c to execute only processing for extracting store information from the store DB 13. In this case, each of the information management server 10a and the search server 10c is a business operator who concurrently serves a business of acquiring a member store and a business of issuing a card or a business agent acting on behalf of the information processing (in FIG. ")").
Unless otherwise specified, hardware denoted by the same reference numerals as those in FIG. 1 has the same functions and executes similar processing.

The system shown in FIG. 8 includes an information management server 10a that manages information related to credit cards and provides an information providing service, a search server 10c that searches for store information, a store terminal 20, and a user terminal 30 as a whole.
The information management server 10a and the search server 10c are connected to each other via a private network (LAN, WAN, VPN, etc.). Further, the information management server 10a and the search server 10c share the card DB 11, the user DB 12, the store DB 13, and the service DB 14.
The store terminal 20 is a CAT terminal that can be connected to the information management server 10a via the Internet 40c. The user terminal 30 is a mobile terminal that can be connected to the information management server 10a via the Internet 40c and the mobile phone network 40d.
The store terminal 20 may be a CAT terminal that can be connected to the information management server 10a via the fixed telephone line network 40b as in the above-described embodiment.

[(B) Modification of information provision procedure]
FIG. 9 shows a modification of the information provision procedure.
As shown in FIG. 9, in the system shown in FIG. 8, the information management server 10 a executes e-mail generation / transmission processing, and the search server 10 c executes only processing for extracting store information from the store DB 13. Unless otherwise noted, the processes denoted by the same reference numerals as those in FIG. 3 are the same.
The information management server 10a provides information to the user through the following [Procedure 1a] to [Procedure 4a] in cooperation with the search server 10c.

[Procedure 1a] When the information management server 10a receives the credit permission inquiry information from the store terminal 20 (S310b in FIG. 9), the information management server 10a replies to the store terminal 20 as to whether credit is possible (S320b in FIG. 9). The reception information including the identification information is transmitted to the search server 10c (S330b in FIG. 9).
[Procedure 2a] When the search server 10c receives the reception information from the information management server 10a (S330c2 in FIG. 3), the store information of a predetermined store located around the store corresponding to the store identification information included in the reception information Are extracted from the store DB 13 (similar to S515 to S535 in FIG. 5).
[Procedure 3a] The search server 10c generates mail data (for example, data obtained by converting the extracted information items into a predetermined format) based on the extracted store information, and transmits it to the information management server 10a (S340c2 in FIG. 9). .
[Procedure 4a] When the information management server 10a receives mail data from the search server 10c (S340b in FIG. 9), the information management server 10a generates an e-mail based on the received mail data (S350b in FIG. 9) and is included in the inquiry information. To the user's e-mail address corresponding to the card number (S350b in FIG. 9).

[(C) Modification of inquiry information]
FIG. 4C shows a modification of the inquiry information.
In the modified system shown in FIG. 8, in consideration of the point where the store terminal 20 and the information management server 10a are connected via the Internet 40c, the “member store number” is added to the inquiry information and transmitted from the store terminal 20. The store is identified by the member store number in the inquiry information.
Other items are the same as the inquiry information shown in FIG.

[(D) Modified example of reception information]
FIG. 4D shows a modified example of the reception information.
In the modified system shown in FIG. 8, since the information management server 10a executes e-mail generation / transmission processing, it is not necessary to transmit the identification information of the user using the card to the search server 10c. Therefore, in this modified system, “user identification information” is excluded from the reception information.
Other items are the same as the reception information shown in FIG.

[(E) Others]
In the system shown in FIG. 8, when the information management server 10a determines that the credit cannot be approved as in the above-described embodiment, the information on the use of the card (the fact that the credit is not approved) Only information may be provided by email. At this time, it is preferable not to notify the search server 10c of acceptance of the inquiry.
In addition, the information management server 10a determines in advance whether or not the user who uses the card has approved the provision of the advertisement information, and even when the user does not consent to the provision of the advertisement information, Only information may be provided by e-mail.

[4-2. Regarding the information and store extraction conditions stored in the DB]
[Modification of (a) [Condition A]]
In the above-described embodiment, when the store where the card is used is a point member store, it is the same as the store where the card is used from the viewpoint of whether the relationship between stores satisfies the privilege granting condition (can be satisfied). It belongs to the “group” as a condition for extracting store information ([Condition A] in FIG. 6A). In the extraction process, the “group ID” included in the store information is used.
On the other hand, the above [Condition A] can be modified as [Condition A1] to [Condition A4] depending on the setting contents of the privilege granting conditions (see FIG. 6C).

For example, when the privilege grant conditions as shown in Table 3 are set, the above [Condition A1] may be set as the extraction condition. In this case, “genre ID” (identification information unique to the genre in which each store is classified) is stored in the store information, and “genre ID” is used for the store information extraction process.
Similarly, when the privilege grant conditions as shown in Table 4 are set, the above [Condition A2] may be set as the extraction condition. In this case, the “store ID” (FIG. 2D) included in the store information may be used for the store information extraction process.

Furthermore, the above [Condition A3] or [Condition A4] may be used as the extraction condition under the privilege granting conditions in Table 3 or Table 4. In this case, in the store information extraction process, “history information” (FIG. 2C) included in the user information, transaction information related to this (FIG. 2F), and store information (FIG. 2D). ) May be further used.
When the above [Condition A3] or [Condition A4] is used as the extraction condition, the information providing server 10b has the relationship shown in Table 3 or Table 4 in relation to the store where the card is used and any store where the card is used. Information on stores satisfying the privilege grant conditions is provided to the user. At this time, the user is provided with the choice of the remaining one store along with the fact that the condition for granting the privilege will be fulfilled if the card is used at one more store. Therefore, if the “condition A3” or “condition A4” is used as an extraction condition by further using “history information” (FIG. 2C) included in the user information, the advertising effect of the information provided is further enhanced. Can be expected.

If the user's card usage record is taken into account, the following sentence example is inserted into the advertisement information 732 of the e-mail 700 (FIG. 7), and if the card is used at one store, the condition for granting the privilege is fulfilled. You should call attention to the points to be done.
・ "If you use a credit card at the following stores, you will get extra points than usual."

[Modification of (b) [Condition B]]
In the above-described embodiment, from the viewpoint of whether or not the location of the store where the card is used is related, the store information is extracted to be located within a predetermined distance range with the location of the store where the card is used as a base point. This is a condition ([Condition B] in FIGS. 6A and 6B). In the extraction process, “geographic information (location)” included in the store information is used.
In contrast, [Condition B] may be modified as [Condition B1] / [Condition B2] (see FIG. 6D). For example, if the information (station name code or station name) of the nearest station of the store is stored as “geographic information” (FIG. 2D) of the store information, the above [Condition B1] may be used as the extraction condition. it can. Similarly, if the information of the area classification to which the store belongs is stored as “geographic information” (FIG. 2D) of the store information, the above [Condition B2] can be used as the extraction condition.

[(C) Modification of privilege granting conditions]
In the above-described embodiment, the privilege granting condition is set so that the privilege is granted when the card is used at least at three stores (see [Table 2] and the like).
On the other hand, you may set the conditions of privilege provision so that a privilege may be provided when a card is used in at least two stores. The same applies to the privilege granting conditions (see [Table 3] and [Table 4] described above) shown as modified examples.

[(D) Point member store flag]
In the above-described embodiment, the store information includes a “point member store flag” indicating whether or not the point member store is compatible with point grant (see FIG. 2D).
On the other hand, when all stores support the grant of points, the “point member store flag” may not be included. In this case, the information providing server 10b omits the process of determining whether the “point member store flag” is set (S520 (FIG. 5)), and the above [Process 3A] (S525a to S530a (FIG. 5)). Alternatively, [Process 3B] (S530b (FIG. 5)) may be selected arbitrarily or based on a predetermined condition. Moreover, you may fix to either of the above-mentioned [Process 3A] or [Process 3B].

[4-3. Others]
[(A) Modification of information provision mode]
In the above-described embodiment, information on other stores is described together with card usage details in the e-mail transmitted to the user's e-mail address (see the text field 730 of the e-mail 700 (FIG. 7)).
On the other hand, an e-mail describing only store information may be sent to the user's e-mail address regardless of whether or not the credit can be approved.

[(B) Modified example of information to be provided]
In the above-described embodiment, information on other stores (point member stores) located around the store where the card is used is extracted and provided to the user (see S535 (FIG. 5) and the like).
On the other hand, you may provide a user with information other than the information of other stores relevant to the store where the card was utilized. For example, it is as follows.
-Store information (station name code or station name) of one or more nearest stations as "geographic information" of store information, and depending on the time zone (for example, 22:00 to 24:00) when the card was used The time information of the last train (the last train) that departs from the nearest station is provided.
・ Provide information (eg, phone number, fee, etc.) of the taxi company nearest to the store where the card was used or affiliated, depending on the time of use (eg, 0:00 to 4 o'clock). To do.

It is a figure which shows the structural example of a system. It is a figure which shows the main items of (a) card information, (b) member store information, (c) user information, (d) store information, (e) condition information, and (f) transaction information stored in DB. It is a sequence chart which shows an information provision procedure. (A) Examples of main items of inquiry information, (b) Examples of main items of reception information, (c) Modifications of inquiry information, (d) Modifications of reception information. It is a flowchart which shows an information extraction procedure. (A) An example of an extraction condition that considers a privilege granting condition and a geographical condition, (b) An example of an extraction condition that considers only a geographical condition, (c) A modified example of a condition that considers a privilege granting condition, (d) It is a figure which shows the modification of the conditions which considered geographical conditions. It is a figure which shows the example of a sentence of the email displayed on a user terminal. It is a figure which shows the modification of a system configuration. It is a sequence chart which shows the modification of an information provision procedure.

Explanation of symbols

10a Information management server 10b Information providing server 10c Search server 11 Card DB
12 User DB
13 Store DB
14 Service DB
20 Store terminal 30 User terminal 40a Private line 40b Fixed telephone line network 40c Internet 40d Mobile telephone line network 700 E-mail

Claims (15)

Information of an information providing system in which an information management server that manages information related to a credit card and an information providing server that provides information about a store where the card can be used to a user holding the card are connected via a communication network A providing server,
User information storage means for storing user information including at least the identification information of the user and a mail address for the mobile terminal of the user;
Store information storage means for storing store information including at least store identification information, the store name, and geographical information related to the store;
Triggered when the information management server receives inquiry information about credit availability from a CAT terminal installed in the store via a communication line, the identification information of the user who uses the card and the identification of the store where the card is used Reception information receiving means for receiving reception information including at least information from the information management server;
At least using the geographical information of the store corresponding to the received identification information stored in the store information storage means, and located within a predetermined range with the position corresponding to the geographical information of the store as the base position Store information extracting means for extracting store information of one or more stores from the store information storage means;
An e-mail that generates at least the name of the store related to the extracted store information, and transmits the e-mail to the user's e-mail address corresponding to the received identification information stored in the user information storage unit; An information providing server comprising: In the information provision server of Claim 1,
The geographical information stored in the store information storage means is store location specifying information for specifying the location of the store,
The information providing server, wherein the store information extracting means extracts store information of a store located within a predetermined distance range from the base position using the store location specifying information. In the information provision server of Claim 2,
The e-mail transmission means calculates the distance between the location of the store related to each of the extracted store information and the base position using the store location specifying information, and describes the e-mail together with the name of each store An information providing server characterized by In the information provision server according to claim 2 or 3,
The e-mail transmission means obtains link information to a web page on which at least a map image of a predetermined range including the location of a store related to the extracted at least one store information is provided, the name of the store or this and the distance. The information providing server described in the e-mail instead of the group or together with the name or the group. In the information provision server of Claims 1-4,
Further comprising condition information storage means for storing condition information including at least a condition for granting a privilege for use of the credit card;
The store information extraction means further uses the privilege granting condition stored in the condition information storage means, and within a predetermined range with the position corresponding to the geographical information of the store where the card is used as the base position. The information providing server, wherein store information of one or a plurality of stores that are located and satisfy the privilege grant condition is extracted from the store information storage means in relation to a store where the card is used. In the information provision server of Claim 5,
The user information stored in the user information storage means further includes history information indicating a history of use of the credit card by the user,
The store information extracting means further uses the history information of the user corresponding to the received identification information stored in the user information storage means, and the store where the card is used and the card used record The information providing server, wherein store information of one or a plurality of stores satisfying the privilege granting condition in relation to the store is extracted from the store information storage means. In the information provision server according to claim 5 or 6,
The store information stored in the store information storage means further includes group identification information for identifying a group into which the store is divided,
The privilege granting condition stored in the condition information storage means is a condition of granting a predetermined privilege according to the number of stores using the card in the same group,
The information providing server, wherein the store information extracting unit further uses the group identification information when determining whether or not the privilege granting condition is satisfied. In the information provision server according to claim 5 or 6,
The store information stored in the store information storage means further includes genre identification information for identifying the genre in which the store is classified,
The privilege granting condition stored in the condition information storage means is a condition of granting a predetermined privilege according to the number of genres in which the previous store using the card is classified,
The information providing server, wherein the store information extracting means further uses the genre identification information when determining whether or not the privilege granting condition is satisfied. In the information provision server in any one of Claims 5-8,
The store information stored in the store information storage means further includes a point member store flag indicating whether or not it is a point member store corresponding to the grant of points,
The privilege to be granted for the use of the card is a privilege to give a predetermined number of points to a user who uses the card,
The store information extracting means, when the store corresponding to the received identification information is not a point member store, extracts store information without using the condition information. In the information provision server in any one of Claims 1-9,
The user information stored by the user information storage means further includes an information provision acceptance flag indicating whether or not provision of predetermined information by electronic mail is accepted,
The information providing server characterized in that the store information extracting means does not extract store information when an information providing consent flag of a user corresponding to the received identification information is not set. Information of an information providing system in which an information management server that manages information related to a credit card and an information providing server that provides information about a store where the card can be used to a user holding the card are connected via a communication network An information providing method by a providing server,
The information providing server includes:
User information storage means for storing user information including at least the identification information of the user and a mail address for the mobile terminal of the user;
Store information storage means for storing store information including at least store identification information, the store name, and geographical information related to the store;
Triggered when the information management server receives inquiry information about credit availability from a CAT terminal installed in the store via a communication line, the identification information of the user who uses the card and the identification of the store where the card is used Reception information reception step for receiving reception information including at least information from the information management server;
At least using the geographical information of the store corresponding to the received identification information stored in the store information storage means, and located within a predetermined range with the position corresponding to the geographical information of the store as the base position A store information extracting step of extracting store information of one or more stores from the store information storage means;
A mail transmission step of generating an e-mail describing at least the name of the store related to the extracted store information and transmitting the e-mail to the user's e-mail address corresponding to the received identification information stored in the user information storage means; An information providing method characterized by comprising:   The program for making a computer implement | achieve each means with which the information provision server in any one of Claims 1-10 is provided as a function. An information providing system in which an information management server that manages information related to a credit card and a search server that provides information related to stores that can use the card to the information management server are connected via a communication network,
The information management server
Connected to a CAT terminal installed in the store via a communication line,
User information storage means for storing user information including at least an identification number of the card and a mail address for a mobile terminal of a user holding the card;
Inquiry information receiving means for receiving, from the CAT terminal, inquiry information about whether or not to include credit including at least the identification information of the card;
Reception information transmission means for transmitting reception information including at least identification information of a store where the card is used to the search server;
Email transmission means for receiving email data from the search server to generate an email and sending it to a user email address corresponding to the received identification number;
The search server
Store information storage means for storing store information including at least the store identification information, the store name, and geographical information related to the store;
Reception information receiving means for receiving the reception information from the information management server;
At least using the geographical information of the store corresponding to the received identification information stored in the store information storage means, and located within a predetermined range with the position corresponding to the geographical information of the store as the base position Store information extracting means for extracting store information of one or more stores from the store information storage means;
An information providing system comprising: mail data transmitting means for generating mail data using at least the name of the store related to the extracted store information and transmitting the mail data to the information management server.   An information management server constituting the information providing system according to claim 13. An information management server that manages information related to a credit card and provides information about a store where the card can be used to a user who holds the card,
Connected to a CAT terminal installed in the store via a communication line,
User information storage means for storing user information including at least an identification number of the card and a mail address for a mobile terminal of a user who holds the card;
Store information storage means for storing store information including at least store identification information, the store name, and geographical information related to the store;
Inquiry information receiving means for receiving, from the CAT terminal, inquiry information about whether or not the credit includes at least the store identification information and the card identification number;
At least using the geographical information of the store corresponding to the received identification information stored in the store information storage means, and located within a predetermined range with the position corresponding to the geographical information of the store as the base position Store information extracting means for extracting store information of one or more stores from the store information storage means;
An information management server comprising: an e-mail using at least a name of a store related to the extracted store information, and a mail transmission unit that transmits the e-mail to a user's e-mail address corresponding to the received identification number. .

Images