JP2010250499A - Credit card management device and computer program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To allow effective use of a card even in a state before including a credit function, and to promote to make the card a credit card. <P>SOLUTION: A recharging type prepaid card manages customer information, card specification information, and purchase history information or the like to perform management or the like of charge money, and stores the information in a prepaid card information DB 41. A benefit content setting transmission means 11 of this credit card management device 10 accesses the prepaid card information DB 41. refers to at least one of the customer information and the purchase history information, and can previously set benefit contents when adding the credit function to the recharging type prepaid card and using it as the credit card. Notification of the benefit contents to a customer becomes an incentive to make the carried recharging type prepaid card the credit card. <P>COPYRIGHT: (C)2011,JPO&INPIT

Description

  The present invention relates to a technique for providing a credit function to a card that is not provided with a credit function and then allowing the card to be used as a credit card.

  In issuing a credit card, highly confidential information such as customer personal information and bank account information is required. For this reason, the issued card is delivered to the customer by handing it at a card issuing store or by highly secure sending means such as registered mail. Such a credit card issuance method is conventionally used in general, but in the case of handing, the customer needs to visit the issuing store, and in the case of delivery means such as registered mail, the customer or family is at home. Need to be.

  As a technique for solving such inconvenience, Patent Document 1 discloses that a magnetic card in which card identification information is written is distributed to a customer in advance, and personal information such as the customer's address, name, and password is stored in the magnetic card. A system is disclosed in which when the card issuer receives the identification information together with the identification information, the magnetic card is processed so as to be used as a credit card or a cash card.

JP 2003-30454 A

  The technology of Patent Document 1 can be performed basically only by the system on the card issuer side by distributing a magnetic card that cannot be used as a credit card or the like to customers in advance. It is a configuration that can be made. Therefore, there is no need to physically exchange the card with the credit function, and the card is not in the hands of a third party even if it is temporarily in transit. There is an advantage that the inconvenience when the customer receives the card can be eliminated.

  However, in the case of the technology of Patent Document 1, a card that has only been distributed before being converted to a credit card or a cash card does not have any function, and the customer simply keeps the card. Can not. In addition, the distributed card itself is the one before the card issuer's management object, and the card issuer will convert it to a credit card until the customer wants to make a credit card or cash card. It is not possible to encourage them.

  The present invention has been made in view of the above, and it is possible to effectively use a card even before a credit function is provided, to eliminate waste of the card, and to promote credit card management of the card. It is an object to provide an apparatus and a computer program.

  In order to solve the above problems, the present invention provides at least a prepaid card information database storing customer information of a customer who holds a recharge type prepaid card, card specifying information, and purchase history information using the recharge type prepaid card. A privilege content setting transmission means for accessing and referring to at least one of the customer information and purchase history information, and setting and transmitting the privilege content for each customer by adding a credit function to the recharge type prepaid card. And additional desired information and a credit function for adding a credit function to the recharge-type prepaid card transmitted from a customer terminal of a predetermined customer with reference to the privilege content transmitted by the privilege content setting transmission means Identify the rechargeable prepaid card Function addition target information receiving means for receiving information, and determination element extracting means for accessing the prepaid card information database and extracting customer information and purchase history information corresponding to the card specifying information received by the function addition target information receiving means And a determination unit that determines whether or not a credit function can be added based on the customer information and purchase history information extracted by the determination element extraction unit, and a determination that the credit function can be added by the determination unit And a credit function addition processing means for registering customer information and card specific information relating to the recharge type prepaid card in a credit card information database and executing a credit function addition process for the recharge type prepaid card. Provide credit card management device .

  The privilege content setting transmission unit is a customer grade determination unit that determines a customer grade of each customer based on the purchase history information, and a privilege content that is given to the customer using the customer grade determined by the customer grade determination unit It is preferable that a privilege content determination unit for determining It is preferable that the privilege content setting transmission unit further includes a simulation unit that simulates future customer grades and privilege content with reference to the purchase history information.

  Further, the information store further includes a member store information database in which information about each member store to which the recharge type prepaid card belongs is stored, and the member store information database is a member when a credit is used with the recharge type prepaid card. A merchant fee to be paid from the store to the credit company is set for each member store, and the recharge-type prepaid card belonging to each member store has been recharged by the credit function addition processing means. It is preferable to have fee adjustment means for adjusting the member store fee based on the number of prepaid cards. The fee adjustment means weights the number of recharge-type prepaid cards that have been subjected to credit function addition processing by the credit function addition processing means based on the customer grade determined by the customer grade determination means, and It is preferable that the store fee is adjusted. In addition, it is preferable that the determination unit includes a credit frame setting unit that sets a credit frame when using the credit function based on the customer information and purchase history information.

  The present invention is also a computer program installed in a computer for executing a credit function addition process for a rechargeable prepaid card, and at least customer information of a customer who holds the rechargeable prepaid card, card specifying information, and Accessing a prepaid card information database storing purchase history information using the recharge type prepaid card, referring to at least one of the customer information and purchase history information, and adding a credit function to the recharge type prepaid card The privilege content setting transmission procedure for setting and transmitting the privilege content when using the credit for each customer and the recharge transmitted from the customer terminal of the predetermined customer with reference to the privilege content transmitted by the privilege content setting transmission procedure Type prepaid card with credit The function addition target information receiving procedure for receiving the card-specific information of the recharge type prepaid card for adding the credit request function and the additional desired information for requesting the addition of the function, accessing the prepaid card information database, and the function addition target Adding a credit function based on the decision element extraction procedure for extracting customer information and purchase history information corresponding to the card identification information received by the information reception procedure, and the customer information and purchase history information extracted by the decision element extraction procedure A determination procedure for determining whether or not it is possible, and when it is determined by the determination procedure that a credit function can be added, customer information and card specific information relating to the recharge-type prepaid card are registered in a credit card information database, and the recharge Credit card to type prepaid card Providing a computer program characterized by comprising a credit function addition process procedure to perform additional processing.

  The privilege content setting transmission procedure includes a customer grade determination procedure for determining a customer grade of each customer based on the purchase history information, and a privilege content to be given to the customer using the customer grade determined by the customer grade determination procedure It is preferable that a privilege content determination procedure for determining The privilege content setting transmission procedure preferably further includes a simulation procedure for simulating future customer grades and privilege content with reference to the purchase history information.

  When a credit is used using the recharge type prepaid card, the member store information database in which the member store fee paid from the member store to the credit company is set for each member store is accessed, and the recharge type belonging to each member store Preferably, the prepaid card further includes a fee adjustment procedure for adjusting the member store fee based on the number of recharge-type prepaid cards that have been subjected to the credit function addition processing by the credit function addition processing procedure. In the fee adjustment procedure, the number of recharge-type prepaid cards that have been subjected to credit function addition processing by the credit function addition processing procedure is weighted based on the customer grade determined by the customer grade determination procedure. It is preferable that the store fee is adjusted. Moreover, it is preferable that the said determination procedure has a credit frame setting procedure which sets the credit frame in the case of utilizing a credit function based on the said customer information and purchase history information.

  The present invention is configured to add a credit function to a recharge type prepaid card distributed to a customer in advance. Therefore, it can be used as a prepaid card before the credit function is granted, and even if the credit function is not granted, it can be used continuously as a prepaid card, so the card is wasted. There is no.

  The recharge-type prepaid card manages customer information, card identification information, purchase history information, and the like, and stores such information in a prepaid card information database in order to manage charge money and the like. Therefore, it is possible to access the prepaid card information database, refer to at least one of the customer information and the purchase history information, and set in advance the privilege content when the credit function is added to the recharge type prepaid card and used as a credit card. it can. If this privilege content is notified to the customer, the privilege content becomes an incentive to convert the recharge-type prepaid card possessed into a credit card, and the credit card can be promoted.

  In addition, when performing a procedure for granting a credit function, based on the card specific information, can the customer information of the customer, purchase history information for the period used as a prepaid card, etc. be read, and can the credit function be added? It is possible to easily and promptly determine whether or not to give credit. Furthermore, since customer information is managed from the period used as a prepaid card, it is possible to manage whether or not the customer is suitable for adding a credit function by referring to age, income, purchase history, and the like. Thereby, it is also possible to perform an operation in which guidance information regarding addition of a credit function is transmitted to a specific customer that satisfies a predetermined condition, and the addition of the credit function is urged.

FIG. 1 is a diagram for explaining a credit card issuance method using a credit card management apparatus according to an embodiment of the present invention. 2A to 2F are diagrams for explaining an example of a customer grade determination method and a privilege content grant method. FIGS. 3A and 3B are diagrams for explaining another example of a customer grade determination method and a privilege content grant method. FIG. 4 is a flowchart showing a credit card issuing process according to the embodiment. FIG. 5 is a flowchart showing a privilege content setting process by the privilege content setting transmission means. FIG. 6 is a diagram for explaining an example of a method for adjusting a member store fee. FIG. 7 is a flowchart showing a member store fee adjustment process by the fee adjustment means. FIG. 8 is a flowchart showing a process of extracting a specific customer based on age. FIG. 9 is a flowchart showing a process of extracting a specific customer based on the purchase history. FIGS. 10A and 10B are diagrams showing an example of criteria for determining a good customer.

  Hereinafter, embodiments of the present invention will be described in more detail with reference to the drawings. FIG. 1 is a diagram for explaining a method of issuing a credit card using a credit card management apparatus 10 according to an embodiment of the present invention. The credit card management apparatus 10 is connected to the customer terminal 30 and the prepaid management server 40 via communication means such as the Internet.

  First, a customer who is a user of the customer terminal 30 has a recharge type prepaid card. The recharge-type prepaid card is a prepaid card that can be repeatedly charged. The prepaid management server 40 includes a prepaid card information database (prepaid card information DB) 41. The prepaid card information DB 41 includes customer information, card identification information, purchasing information. History information, balance information, and the like are stored.

  Here, the recharge type prepaid card is often set to be usable only in a specific store, a specific group company, etc. (hereinafter referred to as “member store”). It is a mechanism that encourages customers to visit the store. In addition, further point-of-visit guidance is also made by combining points and management. Recharge-type prepaid cards are highly popular as gifts because they have such a high store guidance function and are not subject to user age restrictions or income restrictions, and have been rapidly spreading in recent years.

  In addition, customer information, card identification information, purchase history information, balance information, etc. of rechargeable prepaid cards are actually managed by a card issuer's server, such as card identification information such as card number, balance information, etc. Information, purchase history information, and the like are managed by a server on the member store side. However, whether these pieces of information are managed by a common management entity or by different management entities may be any in the sense of the present invention. Therefore, in FIG. 1, only one set of prepaid management server 40 is shown for convenience of explanation. That is, the prepaid management server 40 shown in FIG. 1 is only one set, but includes a case where the card issuer and the member store manage the management target information separately by different servers as different management entities.

A customer who possesses a rechargeable prepaid card uses the rechargeable prepaid card for shopping at a specific member store, and uses the rechargeable prepaid card by charging a predetermined amount when the balance has decreased. When a customer who is a user of a recharge-type prepaid card already used in this way desires to give a credit function to the card, the credit card management apparatus 10 gives the credit function through a predetermined procedure. Is.
The rechargeable prepaid card used in the present invention stores the credit card number assigned in conformity with the JIS standard in the storage unit (magnetic tape, IC chip, etc.) of the rechargeable prepaid card before distribution to the customer. It is preferable to leave (write). Thereby, the credit function addition processing means 14 described later can add the credit function only by registering the recharge type prepaid card in the credit card information DB 20. In addition, if a credit card number is assigned in advance as described above, when a credit function is added, a card reader or the like similar to a widely used credit card can be used.

  The credit card management apparatus 10 of the present embodiment is constituted by a computer, and includes a privilege content setting transmission means (privilege content setting transmission procedure) 11 as a computer program, a function addition target information reception means (function addition target information reception procedure) 12, Determination element extraction means (determination element extraction procedure) 13, determination means (determination procedure) 14, credit function addition processing means (credit function addition processing procedure) 15, fee adjustment means (fee adjustment procedure) 16, specific customer extraction guide means ( Specific customer extraction guide procedure) 17 and the like are set in the storage unit. Further, a credit card information database (credit card information DB) 20, a privilege content database (privilege content DB) 21, and a member store information database (member store information DB) 22 are formed in the storage unit. The computer program can be provided by being stored in a recording medium such as a flexible disk, a hard disk, a CD-ROM, an MO (magneto-optical disk), a DVD-ROM, or can be transmitted through a communication line. .

  The privilege content setting transmission means (privilege content setting transmission procedure) 11 is a privilege content in the case where shopping is performed using a credit card by adding a credit function to the recharge type prepaid card used by each customer. Is set for each customer (for each recharge-type prepaid card) and transmitted directly to the customer terminal 30 of each customer or transmitted to the customer terminal 30 via the prepaid management server 40. As for the recharge-type prepaid card, customer information, purchase history information about a period used as a prepaid card, and the like are stored in the prepaid card information DB 41 as described above. Therefore, the privilege content setting transmission unit 11 accesses the prepaid card information DB 41 and sets the privilege content with reference to at least one of the customer information and the purchase history information. In the case of customer information, for example, privilege contents can be set according to age and income, and in the case of purchase history information, for example, the privilege content can be set depending on whether the total usage amount is large.

  In the present embodiment, in order to determine the privilege content more appropriately and promote the credit card of the customer, the customer grade determination means (customer grade determination procedure) 111 and the privilege content determination means (privilege content determination procedure) 112 The contents are set. The set privilege content is stored in the privilege content DB 21 for each customer.

  For example, as shown in FIG. 2, it is assumed that a member restaurant that can use a certain recharge type prepaid card is a 24-hour family restaurant that is developed nationwide. At this member store, the monthly usage amount, the number of usages, and the usage unit price of the customers “A”, “B”, and “Tsubaki” from January to December 2008 are shown in FIGS. Suppose that it was as shown. These pieces of information are stored as purchase history information for each customer in the prepaid card information DB 41 of the prepaid management server 40. The customer grade determination means 111 reads this information, and as shown in FIG. 2D, the customer “Class A” is “one light user who comes once or twice a month” and the customer “B” is “1”. “Heavy users who come 2 or 3 times a week” and customer “丙” are recognized as “users with a large unit price coming 1 or 2 times a month with family members”, customer grade “C”, “B” “A”丙 is determined to be “B”.

  The privilege content determination means 112 refers to the table shown in FIG. 2E corresponding to the customer grades “A”, “B”, and “C”, and as shown in FIG. Grade A “C” bonus content is “5% discount from each usage amount”, Customer Grade “A” privilege content is “10% discount from each usage amount”, customer grade “B” Is determined as “7% discount from each usage amount”. In addition, in FIG. 2 (f), the estimated annual usage amount is estimated from the usage amount for the past one year shown in FIG. 2 (a) (for example, the annual usage amount in FIG. 2 (a) is rounded to the nearest hundred). And the customer is able to grasp the contents of benefits and their effects clearly by receiving these pieces of information.

  Since customer grades based on purchase history information also have product unit price differences, as shown in Fig. 3 (a), each member store is divided according to industry or business category and set based on the respective criteria. Similarly, as shown in FIG. 3B, it is preferable to set the privilege contents based on the industry-specific or business-specific criteria.

  The function addition target information receiving means (function addition target information receiving procedure) 12 is the additional desired information about adding a credit function to the recharge type prepaid card from the customer terminal 30 of the customer using the recharge type prepaid card. And card specific information of the recharge type prepaid card are received. In this case, when applying for credit after the customer terminal 30 accesses the prepaid management server 40 as in the mode of FIG. 4 to be described later, the additional desired information and the card specifying information are transmitted via the prepaid management server 40. Is transmitted to the credit card management apparatus 10. The card identification information is made up of a member number or PIN number consisting of, for example, a 16-digit number provided on the rechargeable prepaid card by stamping or the like, and the customer looks at his / her rechargeable prepaid card via the customer terminal 30 Enter this information and send it.

  The determination element extraction means (determination element extraction procedure) 13 extracts a determination element as to whether or not it is appropriate to add a credit function. In this embodiment, a credit function is added to a recharge type prepaid card that is already used as a prepaid card. As for the recharge type prepaid card, a predetermined value is stored in the prepaid card information DB 41 of the prepaid management server 40 as described above. Information is stored. Of the information stored in the prepaid card information DB 41, customer information and purchase history information can be used as determination elements.

  Since the customer information includes personal information such as the customer's address, name, age, gender, etc., it becomes a determination factor. For example, when it is determined that it is a minor from the age information, it will be determined that addition of a credit function is not permitted by the determination means 14 described later. In addition to this, customer information may include information such as occupation and income.

  When a customer purchases a product at a member store using a recharge type prepaid card, purchase history information such as the purchased product and usage amount is transmitted to the prepaid management server 40 through a cash register (POS register), and the card is stored in the prepaid card information DB 41. It is stored and stored in association with card specific information such as a number. Therefore, since the purchase history information can determine whether or not the usage amount is large, it becomes a determination element as to whether or not to add a credit function.

  The determination means (determination procedure) 14 determines whether or not a credit function can be added. In the determination, customer information and purchase history information extracted by the determination element extraction means 13 are used. In addition to these information, credit information obtained from the information management server 50 of the credit research organization is also used. The determination unit 14 preferably includes a credit frame setting unit (credit frame setting procedure) 141. The credit limit setting unit 141 is a computer program that sets a credit limit (usage limit, payment condition, etc.) when using the credit function based on the customer information, purchase history information, and credit information.

  The credit function addition processing means (credit function addition processing procedure) 15 adds the credit function to the target recharge type prepaid card when the determination means 14 determines that the credit function can be added. Specifically, card specific information and customer information of the customer are newly formed in the credit card information DB 20 and stored together with the credit frame. As a result, the target recharge type prepaid card is converted into a credit card. That is, when a customer purchases a product with credit using the target recharge-type prepaid card, card specific information such as a card number is transmitted to the credit card management apparatus 10 through a register (POS register) of the member store. The credit card management apparatus 10 accesses the credit card information DB 20 and confirms whether or not a recharge type prepaid card corresponding to the card specifying information is registered. If registered, it can be used as a normal credit card.

  Next, based on the flowchart shown in FIG.4 and FIG.5, the issuing method of the credit card using the credit card management apparatus 10 of this embodiment is demonstrated. When a customer who owns a rechargeable prepaid card wants to add a credit function, for example, the credit card management device 10 can be directly accessed from the customer terminal 30 in advance to perform a predetermined procedure. Has an opportunity to access the prepaid management server 40 from the customer terminal 30 in order to check the balance of the recharge type prepaid card currently used. Therefore, it is convenient for the customer if a credit function can be added as necessary at the time of balance inquiry or the like. FIG. 4 is a flowchart in such a case. Needless to say, the customer terminal 30 may be a portable information terminal such as a mobile phone.

  That is, when making a balance inquiry of a rechargeable prepaid card, the customer terminal 30 accesses the WEB page of the prepaid management server 40 (S101), and inputs a card number and a PIN number which are card specific information of the rechargeable prepaid card ( S102). Then, the prepaid management server 40 accesses the prepaid card information DB 41 using the card number and the PIN number (S103), and if these numbers match the stored card specifying information, the login is permitted (S104), and the customer's The privilege content is transmitted to the customer terminal 30 via the prepaid management server 40 (S105).

  The step of S105, that is, the step of transmitting the privilege content to the customer terminal is executed by the privilege content setting transmission means 11 of the credit card management apparatus 10 as described above. Specifically, the step shown in FIG. It is made through That is, first, the credit card management device 10 receives the card specifying information of the rechargeable prepaid card transmitted in S102 of FIG. 4 via the prepaid management server 40 (note that the card specifying information is received from the customer terminal 30). As mentioned above, it may be transmitted directly). When the credit card management device 10 receives the card specifying information, the privilege content setting transmission unit 11 is activated. Then, as shown in FIG. 5, the privilege content setting transmission means 11 accesses the prepaid card information DB 41 (S1051), and purchase history information using the customer's rechargeable prepaid card based on the card specifying information. (S1052). Next, the customer grade determination unit 111 determines the customer grade of each customer based on each purchase history information (S1053), and the privilege content determination unit 112 determines the privilege content corresponding to the customer grade.

  For example, as shown in FIG. 3A, the customer grade determination means 111 determines “grade II” when, for example, the family restaurant B is used more than 6 times and the total fee is less than 50,000 yen. To do. Then, as shown in FIG. 3 (b), for example, a customer who is determined as “Grade II” has a privilege content determination unit 112 of “10,000 yen or more when using a credit card at Family Restaurant B. The privilege content “discount of 1,000 yen by use” is set.

  When the privilege content is set, the privilege content setting transmission unit 11 transmits the set privilege content (S1055) and stores it in the privilege content DB 21 for each customer (S1056). The privilege content can be directly transmitted to the customer terminal 30 by the privilege content setting transmission means 11, but in the aspect shown in FIG. 4, the timing at which the customer accesses the prepaid management server 40 for balance inquiry is used. Therefore, the privilege content is once transmitted to the prepaid management server 40 and transmitted to the customer terminal 30 via the prepaid management server 40. The prepaid management server 40 transmits a balance confirmation screen of the rechargeable prepaid card to the customer terminal 30 and, at this time, transmits the privilege content transmitted from the credit card management apparatus 10 together (S106).

  For example, a button such as “credit application” is displayed on the balance confirmation screen transmitted in S106. If the customer clicks the button, it is handled as a credit application request (“YES” in S107), and the prepaid management server 40 accesses the credit card management device 10 and the customer's customer. The terminal 30 is instructed to transmit a credit application screen (S108). In determining whether or not to click the “credit application” button, the customer has received information regarding the benefit content when the credit application is performed. For example, as shown in FIGS. 3A and 3B, if the customer grade is “Grade III”, “Sunday general store A: point return rate 5%”, “Family restaurant B: 1 side” Benefits such as “Discount of ¥ 1,500 by using more than one yen” and “Home appliance mass retailer C: 15% annual interest rate” are received. Therefore, the customer can grasp in advance the privilege contents when the credit card is used. This can be expected to increase the number of customers who wish to add a credit function. If the “credit application” button is not clicked in S107 (in the case of “NO” in S107), the process ends.

  The credit card management apparatus 10 receives the above instruction from the prepaid management server 40 by the function addition target information receiving unit 12. In other words, the function addition target information receiving means 12 receives the customer's desired addition information regarding adding the credit function indirectly via the prepaid management server 40. When the credit card management apparatus 10 receives this additional request information, it transmits a credit application screen to the customer terminal 30 (S109). In the credit application screen, for example, input items for personal information such as customer name, age, occupation, income, etc., as well as input items for card specific information such as a rechargeable prepaid card number and PIN number are prepared. The customer enters necessary information in these items. When the customer inputs necessary information on the credit application screen, the customer transmits it to the credit card management device 10 (S110), and the information is received by the function addition target information receiving means 12 (S111).

  When the credit card management apparatus 10 receives the information by the function addition target information receiving means 12, the determination element extraction means 13 accesses the prepaid card information DB 41 of the prepaid management server 40, and based on the customer's name and card specific information, The customer's rechargeable prepaid card is specified, and personal information such as the customer's age and purchase history information stored in the prepaid card information DB 41 are obtained (S112). Further, the determination element extraction means 13 further accesses the information management server 50 held by the credit examination organization to obtain the credit information of the customer. Since customer information such as the customer's age can be obtained from the prepaid card information DB 41, information that overlaps the stored contents of the prepaid card information DB 41 among the input items on the credit application screen is preliminarily stored in the prepaid card information DB 41 on the input screen. May be registered (filled in) or may be excluded from input items. This facilitates credit application procedures by the customer. On the other hand, particularly important items can also be input on the credit application screen, and compared with the contents stored in the prepaid card information DB 41, the identity verification or the like can be performed more reliably.

  Next, the determination means 14 determines whether or not a credit function can be added based on the customer information including the personal information, the purchase history information, and the credit information (S113). If it is determined that the credit function can be added, the credit limit setting means 141 calculates the credit limit (usage limit, payment condition, etc.) when using the credit function (S114), and the credit function is added. The determination result and the credit frame for accepting are transmitted to the customer terminal 30 (S115). Next, the credit function addition processing means 15 newly creates a place for storing the card identifying information and customer information of the target recharge type prepaid card in the credit card information DB 20, and stores it in the place together with the credit frame. (S116). Since the target recharge type prepaid card stores the credit card number in advance as described above, a credit function can be added by performing the above processing. As a result, the recharge type prepaid card is converted into a credit card. If it is determined in S113 that the credit function cannot be added, a message to that effect is transmitted to the customer terminal 30 (S117), and the series of procedures ends.

  4 and 5, when the customer makes a balance inquiry of the recharge type prepaid card, the privilege content setting transmission means 11 operates, and the customer content is displayed together with the balance confirmation screen via the prepaid management server 40 at the customer terminal. 30. However, the card specific information of the rechargeable prepaid card is transmitted to the credit card management apparatus 10, and the privilege content setting transmission means 11 is periodically operated to transmit the privilege content to the customer terminal 30. It can also be configured. As a result, it is possible to respond quickly to changes in the purchase history information of the customer over time. For example, even if the privilege content set by the privilege content setting transmission unit 11 corresponds to the customer grade I on the predetermined date, the customer grade II corresponds to the customer grade II one month later. There is. In such a case, if the benefit content is periodically transmitted to the customer terminal 30 by the benefit content setting transmission means 11, the customer can transmit the credit function additional request information when judged to be advantageous to the customer. Can do.

  Further, the privilege content setting transmission means 11 not only notifies the customer of the current customer grade and privilege content, but also shows how much future shopping will be performed when the higher customer grade and privilege content are obtained. It is preferable that a simulation unit 113 that performs simulation with reference to purchase history information as shown in 2 (a) to (c) is also set. If the simulation result by the simulation means 113 is transmitted to the customer together with the information on the privilege contents given at the present stage, the customer can transmit the credit function addition desired information at a time when it is considered advantageous for the customer.

  Here, as described above, the credit function addition processing means 15 of the credit card management apparatus 10 stores in the credit card information DB 20 the card specifying information and customer information of the recharge type prepaid card to which the credit function is added. On the other hand, the information is also stored in the member store information database (member store information DB) 22. Specifically, the card specifying information and the customer information added with the credit function are stored separately for each member store. Therefore, the number of recharge-type prepaid cards to which a credit function is added and the customer grade can be acquired by referring to the member store information DB 22. When a rechargeable prepaid card is converted into a credit card and the card is used as a credit card, each member store pays the member store fee to the credit company. Therefore, the member store information DB 22 stores the member store in the credit company. The merchant fee to be paid is stored.

  The credit card management apparatus 10 of the present embodiment is provided with fee adjustment means (fee adjustment procedure) 16 as a computer program, together with this member store information DB 22. The fee adjustment means (fee adjustment procedure) 16 periodically searches the member store information DB 22 and adjusts the member store fee stored in the member store information DB 22. Basically, among the recharge type prepaid cards belonging to each member store, a credit function addition process is performed, and the member store fee is adjusted based on the number of recharge type prepaid cards converted into credit cards.

  Although the adjustment method by the fee adjustment means 16 is not limited, it is preferable to set so that the member store fee is reduced as the number of rechargeable prepaid cards converted into credit cards increases. Further, the number of recharge-type prepaid cards that have been subjected to credit function addition processing by the credit function addition processing means 15 is weighted based on the customer grade determined by the customer grade determination means 111 to adjust the member store fee. It is preferable. For example, if the customer of the rechargeable prepaid card to which the credit function is added is “customer grade I”, “1 point / person”, if “customer grade II”, “2 point / person”, “customer grade III” "Is adjusted by weighting such as" 3 points / person ". As shown in FIG. 6, when the total point is “99 points or less”, “no reduction”, and when “100 points or more and 249 points or less”, “1% reduction of existing fee”, “ Decide the rate of reduction, such as “2% reduction of existing fees” for “250 points or more and 499 points or less” and “3% reduction of existing fees” for “500 points or more and 749 points or less” . As a result, for example, in the family restaurant B, the number of customers who converted the recharge-type prepaid card into a credit card is “customer grade I: 40 people”, “customer grade II: 70 people”, and “customer grade III: 50 people”. The total point is (40 × 1) + (70 × 2) + (50 × 3) = 330 points. Therefore, the reduction rate in this case is “2% reduction of existing fee” from the table of FIG.

  The fee adjustment process by the fee adjustment means 16 is performed as follows. As shown in FIG. 7, for example, the fee adjustment means 16 periodically searches the member store information DB 22 (S201), and totals the number of recharge-type prepaid cards to which a credit function is added at each member store. Next, the reduction rate is calculated as described above using the customer grade corresponding to each recharge type prepaid card (S202). When the prepaid management server 40 has the function of the terminal device of the member store, the calculated reduction rate is transmitted to the prepaid management server 40. When the prepaid management server 40 does not have the function of the terminal device of the member store, each member store It transmits directly to an original terminal device (not shown) (S203). Then, the new reduction rate is written in the member store information DB 22 and updated (S204).

  As described above, according to the present embodiment, by making the recharge-type prepaid card into a credit card, a predetermined profit is also provided to the member stores. For this reason, it can be expected that the number of cards to which a credit function is added will also increase due to the active participation of member stores.

  In order to urge the addition of a credit function, a specific customer extraction guide means (specific customer extraction guide procedure) 17 may be provided. The specific customer extraction and guidance means 17 is a computer program that actively transmits a guidance as to whether or not to add a credit function to the customer terminal 30 from the credit card management apparatus 10 side. Although the extraction criteria for specific customers are arbitrary, for example, a new adult who can own a credit card or a good customer having a purchase history of a predetermined level or more can be extracted.

  FIG. 8 shows a mode in which the specific customer extraction guide unit 17 extracts and guides a customer who reaches an adult within a predetermined period, for example, within one month, as a specific customer. Specifically, the specific customer extraction guide unit 17 periodically accesses the prepaid card information DB 41 of the prepaid management server 40 (S301), and searches for and extracts a customer who reaches an adult within one month (S302). If the specific customer is extracted, the privilege content setting transmission means 11 sets the privilege content based on the extracted purchase history of the customer (S303). Next, a guidance to the effect that the application for adding the credit function is possible is transmitted to the extracted customer terminal 30 of the customer together with the privilege content (S304). This guidance is transmitted by e-mail, for example, and when a “credit application” button attached to the e-mail is clicked, the function addition target information receiving means 12 of the credit management server 10 sends the click information to the credit function addition desired information. (S305). Upon receiving the additional request information, the credit card management apparatus 10 transmits a credit application screen to the customer terminal 30 (S306). After that, the process after S110 of FIG. 4 is implemented and a credit function addition process is performed. According to this aspect, the customer can automatically know that the customer is in a position suitable for adding a credit function, and can also know the contents of the benefits, and the rechargeable prepaid card can be converted into a credit card. It can be further encouraged. If the customer does not click on the “credit application” button, it is determined that the addition of the credit function is not desired (“NO” in S305), and the process ends.

  FIG. 9 shows a process when the specific customer extraction guide unit 17 extracts a good customer. The specific customer extraction guide unit 17 periodically searches the prepaid card information DB 41 (S401), A customer is extracted (S402). Thereafter, the steps after S303 in FIG. 8 are executed.

  The definition of a good customer can be set arbitrarily. For example, as shown in FIG. 10A, when the recharge type prepaid card is for a predetermined family restaurant, it can be set based on the relationship between the number of purchases (use) and the total use amount. In the case of FIG. 10 (a), the total usage is 40,000 yen or more in the case of 2 purchases, the total usage is 20,000 yen or more in the case of 3 to 5 purchases, and the purchase is 6 or more. When the total usage is 5,000 yen or more, it is set to be determined as “excellent customer”. In addition, as shown in FIG. 10B, when the recharge type prepaid card is for a predetermined home appliance mass retailer, the total usage is 100,000 yen or more in the case of 3 to 5 purchases, the purchase count is 6 If the total usage is 30,000 yen or more, it is set to be determined as “excellent customer”. As described above, it is preferable that whether or not the customer is a good customer can be appropriately set according to the business type, business type, etc. of the member store issuing the recharge type prepaid card.

  The determination as to whether or not the customer is a good customer can be performed by the specific customer extraction guide unit 17 as described above. However, in the present embodiment, since the customer grade determination unit 111 is provided, the specific customer extraction guide unit 17 includes: Using the customer grade determined by the customer grade determining means 111, for example, in the case of FIG. 3, it is possible to set so that customers determined to be “customer grade II” or higher are extracted as good customers. It is.

DESCRIPTION OF SYMBOLS 10 Credit card management apparatus 11 Benefit content setting transmission means 111 Customer grade determination means 112 Benefit content determination means 113 Simulation means 12 Function addition object information reception means 13 Determination element extraction means 14 Determination means 141 Credit frame setting means 15 Credit function addition processing means 16 Fee adjustment means 17 Specific customer extraction guide means 20 Credit card information DB
21 privilege DB
22 member store information DB
30 Customer terminal 40 Prepaid management server 41 Prepaid card information DB

Claims (12)

At least access to a prepaid card information database storing customer information of a customer who holds a recharge type prepaid card, card specifying information and purchase history information using the recharge type prepaid card, and the customer information and purchase history information Privilege content setting transmission means for referring to at least one and setting and transmitting privilege content for each customer by adding a credit function to the recharge type prepaid card and using the credit;
The additional request information and the credit function for adding a credit function to the recharge-type prepaid card transmitted from the customer terminal of a predetermined customer who refers to the privilege content transmitted by the privilege content setting transmission means are added. A function addition target information receiving means for receiving card specific information of a rechargeable prepaid card;
A determination element extracting unit that accesses the prepaid card information database and extracts customer information and purchase history information corresponding to the card specifying information received by the function addition target information receiving unit;
Determination means for determining whether or not a credit function can be added based on the customer information and purchase history information extracted by the determination element extraction means;
When it is determined by the determination means that a credit function can be added, customer information and card specific information regarding the recharge type prepaid card are registered in a credit card information database, and the credit function is added to the recharge type prepaid card. A credit card management apparatus comprising: a credit function addition processing means to be executed. The privilege content setting transmission means, customer grade determination means for determining the customer grade of each customer based on the purchase history information,
The credit card management apparatus according to claim 1, further comprising a privilege content determination unit that determines a privilege content to be given to the customer using the customer grade determined by the customer grade determination unit.   3. The credit card management apparatus according to claim 2, wherein the privilege content setting transmission means further comprises a simulation means for simulating future customer grades and privilege contents with reference to the purchase history information. Further comprising a member store information database in which information about each member store to which the recharge type prepaid card belongs is stored;
In the member store information database, a member store fee to be paid from a member store to a credit company when using a credit using the recharge type prepaid card is set for each member store.
Of the recharge-type prepaid cards belonging to each member store, there is a fee adjustment means for adjusting the member store fee based on the number of recharge-type prepaid cards that have been subjected to credit function addition processing by the credit function addition processing means. The credit card management apparatus of any one of Claims 1-3.   The fee adjustment means weights the number of recharge-type prepaid cards that have been subjected to credit function addition processing by the credit function addition processing means based on the customer grade determined by the customer grade determination means, and The credit card management device according to claim 4, wherein the store fee is adjusted.   The credit card management apparatus according to claim 1, wherein the determination unit includes a credit frame setting unit that sets a credit frame when using a credit function based on the customer information and purchase history information. A computer program installed in a computer for executing processing for adding a credit function to a rechargeable prepaid card,
Accessing at least a prepaid card information database storing customer information of a customer who holds the recharge type prepaid card, card specifying information and purchase history information using the recharge type prepaid card, and the customer information and purchase history information; A privilege content setting transmission procedure for setting and transmitting the privilege content for each customer by adding a credit function to the recharge type prepaid card and using the credit,
Adding additional desired information and a credit function for requesting addition of a credit function to the recharge-type prepaid card transmitted from a customer terminal of a predetermined customer referring to the privilege content transmitted by the privilege content setting transmission procedure Function addition target information receiving procedure for receiving card specific information of a rechargeable prepaid card,
A determination element extraction procedure for accessing the prepaid card information database and extracting customer information and purchase history information corresponding to the card specifying information received by the function addition target information receiving procedure;
A determination procedure for determining whether or not a credit function can be added based on the customer information and purchase history information extracted by the determination element extraction procedure;
When it is determined that the credit function can be added by the determination procedure, the customer information and the card specifying information regarding the recharge type prepaid card are registered in the credit card information database, and the credit function is added to the recharge type prepaid card. A computer program comprising a credit function addition processing procedure to be executed. The privilege content setting transmission procedure includes a customer grade determination procedure for determining a customer grade of each customer based on the purchase history information,
The computer program according to claim 7, further comprising a privilege content determination procedure for determining the privilege content to be given to the customer using the customer grade determined by the customer grade determination procedure.   The computer program according to claim 8, wherein the privilege content setting transmission procedure further includes a simulation procedure for simulating a future customer grade and privilege content with reference to the purchase history information. Access to a member store information database in which a member store fee paid to a credit company from a member store when using the recharge type prepaid card is set for each member store,
A fee adjustment procedure for adjusting the member store fee based on the number of recharge-type prepaid cards that have undergone credit function addition processing by the credit function addition processing procedure among the recharge-type prepaid cards belonging to each member store. The computer program according to claim 7.   In the fee adjustment procedure, the number of recharge-type prepaid cards that have been subjected to credit function addition processing by the credit function addition processing procedure is weighted based on the customer grade determined by the customer grade determination procedure. The computer program according to claim 10, wherein the store fee is adjusted.   The computer program according to claim 7, wherein the determination procedure includes a credit frame setting procedure for setting a credit frame when using a credit function based on the customer information and purchase history information.

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